code: public Money forDownpayment(Money downPayment)
      {
          return downPayment.greaterThan(salePrice.times( Ratio.percent( 25 ) )) ?
              Money.zero() :
              financedAmount( downPayment ).times( Ratio.of( 25, 1000 ) );
      }
docs: <p>forDownpayment.</p>
  
  @param downPayment a {@link com.greenpepper.samples.application.mortgage.Money} object.
  @return a {@link com.greenpepper.samples.application.mortgage.Money} object.