The session I ran at the VITTA 2003 Conference had the data files missing 
from the Conference CDROM.  As a result I have put a Zip file together of 
the working and documented Java Application that performs a simple loans and 
interest repayment calculation.  The file structure is compatible with 
Bortlands J-Builder and the application incorporates some of the features 
that are found on the "Programmers Toolkit" Java exercises.