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<br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />I <br />II <br />I <br /> <br />replacement. The fund is also referred to as a "sinking fund" and is inc:luded <br /> <br /> <br />in the annual costs by adding 10% to the annual loan amount for a period of <br /> <br /> <br />10 years. <br /> <br />-28- <br />