- $bal['charges'] = isset($bal['charges']) ? $bal['charges'] : 0;
- $bal['credits'] = isset($bal['credits']) ? $bal['credits'] : 0;
- $bal['Allocated'] = isset($bal['Allocated']) ? $bal['Allocated'] : 0;
- $bal['OutStanding'] = isset($bal['OutStanding']) ? $bal['OutStanding'] : 0;