function [as] = amortizing_schedule(r)
% amortizing_schedual - 
%   
% Written by:
% -- 
% John L. Weatherwax                2006-12-31
% 
% email: wax@alum.mit.edu
% 
% Please send comments and especially bug reports to the
% above email address.
% 
%-----

as       = ones(size(r));
inds     = find( r < 0.1 );
as(inds) = 10 * r(inds);