diff --git a/cs621/proj3/AmortizedLoan.java b/cs621/proj3/AmortizedLoan.java
new file mode 100644
index 0000000..8d6d364
--- /dev/null
+++ b/cs621/proj3/AmortizedLoan.java
@@ -0,0 +1,7 @@
+
+public class AmortizedLoan extends Loan
+{
+    public void calcMonthlyPayment()
+    {
+    }
+}
diff --git a/cs621/proj3/Loan.java b/cs621/proj3/Loan.java
new file mode 100644
index 0000000..1368b85
--- /dev/null
+++ b/cs621/proj3/Loan.java
@@ -0,0 +1,28 @@
+
+public abstract class Loan
+{
+    protected String m_name;
+    protected double m_interestRate;
+    protected int m_length;
+    protected double m_principal;
+    protected double m_monthlyPayment;
+
+    public Loan(String name, double rate, int years, double amount)
+    {
+        m_name = name;
+        m_interestRate = rate;
+        m_length = years;
+        m_principal = amount;
+    }
+
+    public String process()
+    {
+        calcMonthlyPayment();
+        return makeSummary();
+    }
+
+    public String makeSummary()
+    {
+        return "Summary!";
+    }
+}
diff --git a/cs621/proj3/Makefile b/cs621/proj3/Makefile
new file mode 100644
index 0000000..642ed0f
--- /dev/null
+++ b/cs621/proj3/Makefile
@@ -0,0 +1,12 @@
+
+all:
+	javac *.java
+
+.PHONY: javadoc
+javadoc:
+	-mkdir doc
+	javadoc -d doc *.java
+
+clean:
+	-rm -f *.class
+	-rm -rf doc
diff --git a/cs621/proj3/SimpleLoan.java b/cs621/proj3/SimpleLoan.java
new file mode 100644
index 0000000..61894d3
--- /dev/null
+++ b/cs621/proj3/SimpleLoan.java
@@ -0,0 +1,7 @@
+
+public class SimpleLoan extends Loan
+{
+    public void calcMonthlyPayment()
+    {
+    }
+}