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let finalPaymentAmountWithFee = plannedMonthlyPayment * totalTimeRequired;
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breakdownString +=`<li> Amount to balance transfer in <strong>Year ${counter}</strong> with fee included: <strong>£${finalPaymentAmountWithFee.toFixed(2)}</strong></li>`;
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let finalPaymentAmount = finalPaymentAmountWithFee *0.65;
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let finalPaymentAmount = finalPaymentAmountWithFee *0.965;
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breakdownString +=`<li> Amount to finish by one time payment in <strong>Year ${counter}</strong>: <strong>£${finalPaymentAmount.toFixed(2)}</strong></li>`;
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