docs: public static float evaluate(float mortgageAllowance, float cashDown)
      {
          float mortgageBalance = mortgageAllowance - cashDown;
          if(isInsufficient(mortgageAllowance, cashDown))
          {
              mortgageBalance = mortgageBalance * ( 1 + MIN_CASH_DOWN_FEE_RATIO );
          }
          
          return mortgageBalance;
      }