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cannot initialize annuity with 0 payments #57

@genedan

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@genedan

It may not be a common case for people to intentionally create an annuity with 0 payments, but this happened when trying iterate through annuities of various terms when calculating bond amortization. When this happens, you should still be able to initialize it, but the # payments, pv, and sv should all be 0.

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