$init[0] = $init[1] = 0.0;
$init[0] = round2(abs($bal['charges']*$rate), $dec);
$init[1] = round2(Abs($bal['credits']*$rate), $dec);
$init[0] = $init[1] = 0.0;
$init[0] = round2(abs($bal['charges']*$rate), $dec);
$init[1] = round2(Abs($bal['credits']*$rate), $dec);