APPLY_LATE
*action = APPLY_LATE;
if (apply_late == APPLY_LATE) {
case APPLY_LATE:
(action != APPLY_LATE)) {
if (action == APPLY_LATE) {
if (action == APPLY_LATE) {
apply = (est->sc_in_emi == 1) ? APPLY_LATE : APPLY_NONE;