The fully functional (and customizable) Loan Calculator is a Decoy application for a Covert personal 'data vault'. The data vault creates SQLite database(s) using AES-128 encryption that can store passwords, PINs, contact information, notes and files of virtually any type. To switch between the Decoy and Covert applications the Decoy uses a patented method of monitoring error entries. If the errors are entered in the correct order, they form a password that opens the Covert app. If not, the secured data can be locked out or even destroyed! (Please make backups!) [Each database has it's own unique password and cannot be restored - so do not forget the master password for each database!]