PAID AMT is, by definition delayed because people have to do research and request payment before the money arrives. So, it's normal to have NULL in PAID AMT for a while.
Any thoughts? Apparently, I wasn't authoring the conditional statements correctly.
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Try to replace NULL with 0 while subtracting.
Try to use formula COALESCE(PAID AMT, 0).
COALESCE shows the first value which is not NULL. So when PAID AMT is NULL then the value is 0.
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