Calculate the additional cash needed for the six months. When there is a cash shortfall $($the shortfall$/$surplus cash calculation is less than zero$),$ additional cash must be obtained from a loan to cover all of the monthly expenses. Therefore, additional cash needed is equal to any cash shortfall. It is zero if there is a cash surplus. The additional cash needed should be a positive number even though a shortfall will be a negative number in the model $($row $26)$