```\nif (vc.value <= interestOwed) {\n // compute the amount of epochs this payment covers\n // vc.value is not WAD yet, so divWadDown cancels the extra WAD in interestPerEpoch\n uint256 epochsForward = vc.value.divWadDown(interestPerEpoch);\n // update the account's `epochsPaid` cursor\n account.epochsPaid += epochsForward;\n // since the entire payment is interest, the entire payment is used to compute the fee (principal payments are fee-free)\n feeBasis = vc.value;\n} else {\n```\n