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Guy #1 is correct and I wouldn’t say guy #2 is confidently incorrect, as he only sent one message.
Some Pythagori in this thread as well :)
I’m genuinely confused, what is incorrect here? Tax deduction is not done?
Guy #1 calculates the payment per month. Guy #2 tries to “correct” him by calculating the payment per year. Guy #1 suggests that Guy #2 divide his answer by 12.