**Loans** - loans.show - [x] change date format and round off digits to 2 decimal places (database-side) - loans.create - [x] payment schedule table headers - [x] automatic display of interest per annum upon change on loan type - [ ] `updated_by`, `created_by`. [Extend Eloquent Model with created_by, updated_by, deleted_by ](https://laravel.io/forum/12-26-2014-extend-eloquent-model-with-created-by-updated-by-deleted-by)