diff --git a/app/controllers/clients.rb b/app/controllers/clients.rb
index a41bc6e7..eabb05a6 100644
--- a/app/controllers/clients.rb
+++ b/app/controllers/clients.rb
@@ -64,7 +64,9 @@ def update(id, client)
     @client = Client.get(id)
     raise NotFound unless @client
     disallow_updation_of_verified_clients
-    if @client.update_attributes(client)      
+    debugger
+    @client.update_attributes(client)      
+    if @client.errors.blank?
       if params[:tags]
         @client.tags = params[:tags].keys.map{|k| k.to_sym} 
       else
diff --git a/app/models/client.rb b/app/models/client.rb
index c97ae239..605d2caa 100644
--- a/app/models/client.rb
+++ b/app/models/client.rb
@@ -11,6 +11,7 @@ class Client
   before :valid?, :add_created_by_staff_member
   after  :save,   :check_client_deceased
   after  :save,   :levy_fees
+  after  :save,   :update_loan_cache
   
   property :id,              Serial
   property :reference,       String, :length => 100, :nullable => false, :index => true
@@ -127,6 +128,10 @@ class Client
   validates_with_method :date_joined, :method => :dates_make_sense
   validates_with_method :inactive_reason, :method => :cannot_have_inactive_reason_if_active
 
+  def update_loan_cache
+    loans.each{|l| l.update_loan_cache(true); l.save}
+  end
+
   def self.from_csv(row, headers)
     if center_attr = row[headers[:center]].strip
       if center   = Center.first(:name => center_attr)
diff --git a/app/models/data_access_observer.rb b/app/models/data_access_observer.rb
index 34fa9d7c..53e691f6 100644
--- a/app/models/data_access_observer.rb
+++ b/app/models/data_access_observer.rb
@@ -14,11 +14,12 @@ def self.get_object_state(obj, type)
   
   def self.log(obj)
     f = File.open("log/#{obj.class}.log","a")
+    debugger
     begin
       if obj
         attributes = obj.attributes
         if @ributes
-          diff = @ributes.diff(attributes)
+          diff = @ributes.diff(attributes).reject{|x| x.to_s.match(/^c_/)} # reject the caching properties, defined by c_xxxx
           diff = diff.map{|k| 
             {k => [@ributes[k],attributes[k]]} if k != :updated_at and not (@ributes[k].nil? and attributes[k].class==String and attributes[k].blank?)
           }
@@ -26,7 +27,6 @@ def self.log(obj)
         else
           diff = [attributes.select{|k, v| v and not v.blank? and not v==0}.to_hash]
         end
-
         if diff.length>0 and diff.find{|x| x.keys.include?(:discriminator)}
           index = diff.index(diff.find{|x| x.keys.include?(:discriminator)})
           diff[index][:discriminator] = diff[index][:discriminator].map{|x| x.to_s if x}
diff --git a/app/models/loan.rb b/app/models/loan.rb
index aec80e6c..a14dcfaa 100644
--- a/app/models/loan.rb
+++ b/app/models/loan.rb
@@ -12,6 +12,7 @@ class Loan
   after  :save,    :update_history_caller  # also seems to do updates
   after  :create, :levy_fees_new
   after  :save,    :levy_fees
+  before :save,    :update_loan_cache
   after  :create,  :update_cycle_number
   before :destroy, :verified_cannot_be_deleted
   #  after  :destroy, :update_history
@@ -170,6 +171,30 @@ class Loan
   validates_with_method  :clients,                      :method => :check_client_sincerity
   validates_with_method  :insurance_policy,             :method => :check_insurance_policy    
 
+
+  def update_loan_cache(force = false)
+    t = Time.now
+    self.c_center_id = self.client.center.id if force
+    self.c_branch_id = self.client.center.branch.id if force
+    self.c_scheduled_maturity_date = scheduled_maturity_date
+    # avoid SQL calls
+    first_payment = payments.select{|p| [:prinicpal, :interest].include?(p.type)}.sort_by{|p| p.received_on}[0]
+    self.c_actual_first_payment_date = first_payment.received_on if first_payment
+    st = self.get_status
+    self.c_last_status = st
+    self.c_principal_received = payments.select{|p| p.type == :principal}.reduce(0){|s,p| s + p.amount}
+    self.c_interest_received = payments.select{|p| p.type == :principal}.reduce(0){|s,p| s + p.amount}
+    last_payment = payments.select{|p| [:prinicpal, :interest].include?(p.type)}.sort_by{|p| p.received_on}.reverse[0]
+    self.c_last_payment_received_on = last_payment.received_on if last_payment
+    self.c_maturity_date = c_last_payment_received_on if (STATUSES.index(st) > 5 and last_payment)
+    self.c_last_payment_id = last_payment.id if last_payment
+    puts Time.now - t
+    true
+  end
+
+
+  
+
   def self.display_name
     "Loan"
   end
@@ -476,6 +501,7 @@ def make_payments(payments, context = :default, defer_update = false)
       self.reload if payments.map{|p| p.received_on}.map{|d| installment_dates.include?(d)}.include?(false)
       update_history(true)  # update the history if we saved a payment
     end
+    update_loan_cache
     if payments.length > 0
       return [true, payments.find{|p| p.type==:principal}, payments.find{|p| p.type==:interest}, payments.find_all{|p| p.type==:fees}]
     else
@@ -490,6 +516,7 @@ def delete_payment(payment, user)
     payment.deleted_by = user
     if payment.destroy
       update_history
+      update_loan_cache
       clear_cache
       return [true, payment]
     end
diff --git a/app/views/branches/_fields.html.haml b/app/views/branches/_fields.html.haml
index f28031e7..4d170022 100644
--- a/app/views/branches/_fields.html.haml
+++ b/app/views/branches/_fields.html.haml
@@ -39,4 +39,6 @@
 %button{:type => "submit", :class => "add"}
   = submit_text
   
+%b or
+  
 = link_to 'cancel', cancel_url
diff --git a/app/views/loans/index.html.haml b/app/views/loans/index.html.haml
index 6a7c7b15..4a44d554 100644
--- a/app/views/loans/index.html.haml
+++ b/app/views/loans/index.html.haml
@@ -41,7 +41,7 @@
       %tr
         %td At center
         %td
-          = link_to @center.name, resource(@branch, @center)
+          = link_to @client.center.name, resource(@client.center)
           == (of branch #{link_to @branch.name, resource(@branch)})
           %br/
           %span.greytext
diff --git a/app/views/loans/misc.html.haml b/app/views/loans/misc.html.haml
index 1c8a3acd..a95da77e 100644
--- a/app/views/loans/misc.html.haml
+++ b/app/views/loans/misc.html.haml
@@ -1,70 +1,98 @@
-= form_for(:loan, :class => "_remote_", :action => url(:controller => :loans, :action => :update_utilization, :id => @loan.id), :method => "POST") do
-  %div.box
-    %h3 Loan Utilization
-    = select :loan_utilization_id, :collection => LoanUtilization.all.map{|lu| [lu.id, lu.name]}, :include_blank => true
-    = submit "Save"
-
-- if @loan.status == :outstanding    
+%div{:style => "float: left; width: 55%"}
   .box
-    %hr
-    %h3 Prepay this loan
-    %p
-      = link_to("Calculate prepayment amount",  url(:prepay_loan, @loan.id), :class => "_remote_")
+    %fieldset
+      %legend Loan Utilization
+      = form_for(:loan, :class => "_remote_", :action => url(:controller => :loans, :action => :update_utilization, :id => @loan.id), :method => "POST") do
+        %h3 Update Loan Utilization
+        = select :loan_utilization_id, :collection => LoanUtilization.all.map{|lu| [lu.id, lu.name]}, :include_blank => true
+        = submit "Save"
+  
+  
+  - if @loan.status == :outstanding    
+    .box
+      %fieldset
+        %legend Pay
+        = link_to("Prepay This Loan",  url(:prepay_loan, @loan.id), :class => "_remote_")
+  
+        - if [:admin, :mis_manager].include?(session.user.role)
+          .box
+            %fieldset
+              %legend Levy Penalty/Fee
+              = partial "applicable_fees/form", :layout => false, :object => @loan
+  
+  - if session.user.role==:admin
+    .box
+      %fieldset
+        %legend Write Off Loan
+        = form_for(@loan, :action => url(:action => :write_off, :id => @loan.id), :method => "POST", :class => "_disable_button_") do
+          %table.tall.shaded
+            %tr
+              %th
+                Write off Date : 
+              %td
+                = date_select_for @loan, :written_off_on
+            %tr
+              %th
+                Select Staff Member :
+              %td
+                - center = @client.center
+                - branch = center.branch
+                = select :written_off_by_staff_id, :id => "written_off_by_staff_id", :collection => [branch.manager, center.manager].uniq.map{|m| [m.id, m.name]}, :prompt => "select staff member"
+            %tr
+              %td{:colspan => "2"}
+                %span.greytext 
+                  Pick the staff member who is writing off the loan
+                = submit "Write off"
+  - elsif staff_member = session.user.staff_member
+    = form_for(@loan, :action => url(:action => :suggest_write_off, :id => @loan.id), :method => "POST", :class => "_disable_button_") do
+      %table
+        %tr
+          %td
+            %b Suggest to Write Off this Loan
+        %tr
+          %td
+            suggested write off Date :
+          %td
+            = date_select_for @loan, :suggested_written_off_on
+        %tr
+          %td
+            Suggested by staff member :
+          %td
+            = staff_member.name
+          %td
+        %tr
+          %td
+            = submit "Send suggestion"
 
-- if [:admin, :mis_manager].include?(session.user.role)
-  %hr
-  .box
-    = partial "applicable_fees/form", :layout => false, :object => @loan
-  %hr
+%div{:style => "float: left; width: 40%"}
   .box
-    %h3 Applicable fees
-    - if @loan.applicable_fees.empty?
-      = form_for(@loan, :action => url(:controller => :loans, :action => :levy_fees, :id => @loan.id)) do
-        = submit 'Apply Fees'
-    = partial "applicable_fees/list", :layout => false, :applicable_fees => @loan.applicable_fees, :return_url => url_for_loan(@loan) + "#misc"
-- if session.user.role==:admin
-  %hr
+    %fieldset
+      %legend Applicable fees
+      - if @loan.applicable_fees.empty?
+        = form_for(@loan, :action => url(:controller => 'loans', :action => 'levy_fees', :id => @loan.id)) do
+          = submit 'Apply Fees'
+      = partial "applicable_fees/list", :layout => false, :applicable_fees => @loan.applicable_fees, :return_url => url_for_loan(@loan) + "#misc"
   .box
-    %h3 Write Off Loan
-    = form_for(@loan, :action => url(:action => :write_off, :id => @loan.id), :method => "POST", :class => "_disable_button_") do
-      %table
+    %fieldset
+      %legend Values
+      %table.tall
         %tr
+          %th
+            Branch
           %td
-            Write off Date : 
-          %td
-            = date_select_for @loan, :written_off_on
+            = @loan.c_branch_id
         %tr
+          %th
+            Center
           %td
-            Select Staff Member :
+            = @loan.c_center_id
+        %tr
+          %th
+            Scheduled Maturity Date
           %td
-            - center = @client.center
-            - branch = center.branch
-            = select :written_off_by_staff_id, :id => "written_off_by_staff_id", :collection => [branch.manager, center.manager].uniq.map{|m| [m.id, m.name]}, :prompt => "select staff member"
+            = @loan.c_scheduled_maturity_date
         %tr
-          %td{:colspan => "2"}
-            %span.greytext 
-              Pick the staff member who is writing off the loan
-      %tr
-        %td
-          = submit "Write off"
-- elsif staff_member = session.user.staff_member
-  = form_for(@loan, :action => url(:action => :suggest_write_off, :id => @loan.id), :method => "POST", :class => "_disable_button_") do
-    %table
-      %tr
-        %td
-          %b Suggest to Write Off this Loan
-      %tr
-        %td
-          suggested write off Date :
-        %td
-          = date_select_for @loan, :suggested_written_off_on
-      %tr
-        %td
-          Suggested by staff member :
-        %td
-          = staff_member.name
-        %td
-      %tr
-        %td
-          = submit "Send suggestion"
-  
\ No newline at end of file
+          %th
+            Branch
+          %td
+            = @loan.c_branch_id
diff --git a/app/views/payments/index.html.haml b/app/views/payments/index.html.haml
index 456fea80..4b8be672 100644
--- a/app/views/payments/index.html.haml
+++ b/app/views/payments/index.html.haml
@@ -1,6 +1,6 @@
 .shaded
   - if @loan and @loan.disbursal_date
-    .graph
+    .graph{:style => "position: relative; top: 60px"}
       = ofc2(550, 430, 'http://' + (request.env['HTTP_HOST'] or 'example.org') + url(:graph_data, :action => 'loan', :id => @loan.id, :scope_unit => 'months', :scope_size => 3) )
   
   = error_messages_for @payment
@@ -144,7 +144,7 @@
   
   
 .shaded
-  %div.tab_container
+  %div.tab_container.clearfix
     %ul.tabs
       %li#repayment_schedule Repayment Schedule
       %li#repayments_made Repayments made
diff --git a/public/javascripts/application.js b/public/javascripts/application.js
index 7b3800e6..b47b756c 100644
--- a/public/javascripts/application.js
+++ b/public/javascripts/application.js
@@ -657,7 +657,7 @@ function fillBankAccounts(){
 							$("#bank_account_selector").html(data);
 						    }
 						});
-				     });	
+				     });
     }
 }
 
@@ -756,7 +756,6 @@ $(document).ready(function(){
 		      fillFundingLines();
 		      fillCashAccounts();
 		      fillBankAccounts();
-		      $('form').highlight();
 		      //Handling targets form
 		      $("select#target_attached_to").change(function(){
 								$.ajax({
diff --git a/public/stylesheets/style.css b/public/stylesheets/style.css
index 39e79cf9..49708186 100644
--- a/public/stylesheets/style.css
+++ b/public/stylesheets/style.css
@@ -178,8 +178,8 @@ table.form{
 }
 
 .shaded {
-  -moz-box-shadow: 2px 2px 7px #999;
-  box-shadow: 2px 2px 7px #999;
+  -moz-box-shadow: 2px 2px 7px #ccc;
+  box-shadow: 2px 2px 7px #ccc;
   padding: 5px; 
   margin-bottom: 10px;
 }
@@ -302,7 +302,7 @@ margin: 0px;
 }
 input[type="text"], input[type="password"], textarea {
   font-size: 100%;
-  font-family: sans;
+  font-family: Arial,Helvetica, FreeSans,LiberationSans,Myriad Pro,Arial,Verdana,sans-serif;
   background: #fbfbfb;
   border: 1px solid #E5E5E5;
 }
@@ -943,6 +943,7 @@ table.tall th {
   background-color: #FBF8F1;
   padding: 10px 10px 10px 40px;
   text-align: right;
+  font-size: 0.9em;
 }
 .floating_form{
     position: absolute;
@@ -1475,6 +1476,12 @@ table.clearform tr td.legend{
 .breadcrumb li:nth-child(4) a:after { border-left-color: hsla(85,93%,65%,1); }
 .breadcrumb li:nth-child(5) a       { background:        hsla(85,93%,75%,1); }
 .breadcrumb li:nth-child(5) a:after { border-left-color: hsla(85,93%,75%,1); }
+.breadcrumb li:nth-child(6) a       { background:        hsla(85,93%,85%,1); }
+.breadcrumb li:nth-child(6) a:after { border-left-color: hsla(85,93%,85%,1); }
+.breadcrumb li:nth-child(7) a       { background:        hsla(85,93%,90%,1); }
+.breadcrumb li:nth-child(7) a:after { border-left-color: hsla(85,93%,90%,1); }
+.breadcrumb li:nth-child(8) a       { background:        hsla(85,93%,95%,1); }
+.breadcrumb li:nth-child(8) a:after { border-left-color: hsla(85,93%,95%,1); }
 /* .breadcrumb li:last-child a { */
 /*         background: transparent !important; */
 /*         color: black; */
@@ -1485,27 +1492,170 @@ table.clearform tr td.legend{
 .breadcrumb li a:hover { background: hsla(85,93%,25%,1); }
 .breadcrumb li a:hover:after { border-left-color: hsla(85,93%,25%,1) !important; }
 
-.container a.applied { font-weight: bold; color: blue;}
-.container a.approved { font-weight: bold; color: orange;}
-.container a.outstanding { font-weight: bold; color: darkgreen;}
-.container a.repaid { font-weight: bold; color: brown;}
-.container a.arrears { font-weight: bold; color: red;}
-.container a.written-off { font-weight: bold; color: black;}
-.container a.preclosed { font-weight: bold; color: grey;}
+.applied { font-weight: bold; color: blue;}
+.approved { font-weight: bold; color: grey;}
+.outstanding { font-weight: bold; color: darkgreen;}
+.repaid { font-weight: bold; color: brown;}
+.arrears { font-weight: bold; color: red;}
+.written-off { font-weight: bold; color: black;}
+.preclosed { font-weight: bold; color: orange;}
 
-ul.inline {
-  display: inline;
+table.tall {
+  margin: 14px;
+  border: solid 1px #c9c9c9;
+  font-size: 1.3em;
+}
+
+table.tall tr {
+  border-bottom: solid 1px #cdd3fe;
+  vertical-align: middle;
+}
+
+table.tall th {
+  padding: 8px;
+  background-color: #dadeff;
+  vertical-align: middle;
+}
+
+table.tall .greytext {
+  font-weight: normal;
+  font-size: 0.9em;
+}
+
+table.tall input[type="text"], input[type="password"], textarea {
+  font-family: Arial,Helvetica, FreeSans,LiberationSans,Myriad Pro,Arial,Verdana,sans-serif;
+  background: #fbfbfb;
+  border: 1px solid #E5E5E5;
+  padding: 3px;
+}
+table.tall input.disabled[type="submit"] {
+    color: #ccc;
+}
+table.tall select {
+  background: #fbfbfb;
+  border: 1px solid #E5E5E5;
+  font-size: 1.1em;
 }
 
-ul.inline li {
-  display: inline;
-  list-style: circle;
+
+.box fieldset {
+  background: #fcfcfc;
+  -moz-border-radius: 10px;
+  border-radius: 10px;
+  border: solid 1px #c9c9c9;
 }
 
+.box legend {
+  margin: 0px;
+  padding: 2px 10px;
+  background: #B7CA79;
+  color: white;
+}
 
-.depth-1 {
-  margin-left: 2em;
+.grey_button {
+    -moz-box-shadow:inset 0px 1px 0px 0px #ffffff;
+    -webkit-box-shadow:inset 0px 1px 0px 0px #ffffff;
+    box-shadow:inset 0px 1px 0px 0px #ffffff;
+    background:-webkit-gradient( linear, left top, left bottom, color-stop(0.05, #ededed), color-stop(1, #dfdfdf) );
+    background:-moz-linear-gradient( center top, #ededed 5%, #dfdfdf 100% );
+    filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#ededed', endColorstr='#dfdfdf');
+    background-color:#ededed;
+    -moz-border-radius:6px;
+    -webkit-border-radius:6px;
+    border-radius:6px;
+    border:1px solid #dcdcdc;
+    display:inline-block;
+    color: #466124;
+    font-family:arial;
+    font-size:15px;
+    font-weight:bold;
+    padding:6px 24px;
+    text-decoration:none;
+    text-shadow:1px 1px 0px #ffffff;
+    line-height: 1.6em;
+}.grey_button:hover {
+    background:-webkit-gradient( linear, left top, left bottom, color-stop(0.05, #dfdfdf), color-stop(1, #ededed) );
+    background:-moz-linear-gradient( center top, #dfdfdf 5%, #ededed 100% );
+    filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#dfdfdf', endColorstr='#ededed');
+    background-color:#dfdfdf;
+}.grey_button:active {
+    position:relative;
+    top:1px;
+}
+
+.container input[type="submit"] {
+    -moz-box-shadow:inset 0px 1px 0px 0px #c1ed9c;
+    -webkit-box-shadow:inset 0px 1px 0px 0px #c1ed9c;
+    box-shadow:inset 0px 1px 0px 0px #c1ed9c;
+    background:-webkit-gradient( linear, left top, left bottom, color-stop(0.05, #9dce2c), color-stop(1, #8cb82b) );
+    background:-moz-linear-gradient( center top, #9dce2c 5%, #8cb82b 100% );
+    filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#9dce2c', endColorstr='#8cb82b');
+    background-color:#9dce2c;
+    -moz-border-radius:6px;
+    -webkit-border-radius:6px;
+    border-radius:6px;
+    border:1px solid #83c41a;
+    display:inline-block;
+    color:#ffffff;
+    font-family:arial;
+    font-size:15px;
+    font-weight:bold;
+    padding:6px 24px;
+    text-decoration:none;
+    text-shadow:1px 1px 0px #689324;
+}
+.container input[type="submit"]  {
+    background:-webkit-gradient( linear, left top, left bottom, color-stop(0.05, #8cb82b), color-stop(1, #9dce2c) );
+    background:-moz-linear-gradient( center top, #8cb82b 5%, #9dce2c 100% );
+    filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#8cb82b', endColorstr='#9dce2c');
+    background-color:#8cb82b;
+}
+.container input[type="submit"]  {
+    position:relative;
+    top:1px;
+}
+
+a.cancelButton a.cancelButton:visited{
+  color: white;
 }
-.depth-2 {
-  margin-left: 4em;
-}
\ No newline at end of file
+
+.cancelButton {
+    -moz-box-shadow:inset 0px 1px 0px 0px #f7c5c0;
+    -webkit-box-shadow:inset 0px 1px 0px 0px #f7c5c0;
+    box-shadow:inset 0px 1px 0px 0px #f7c5c0;
+    background:-webkit-gradient( linear, left top, left bottom, color-stop(0.05, #fc8d83), color-stop(1, #e4685d) );
+    background:-moz-linear-gradient( center top, #fc8d83 5%, #e4685d 100% );
+    filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#fc8d83', endColorstr='#e4685d');
+    background-color:#fc8d83;
+    -moz-border-radius:6px;
+    -webkit-border-radius:6px;
+    border-radius:6px;
+    border:1px solid #d83526;
+    display:inline-block;
+    color:#ffffff;
+    font-family:arial;
+    font-size:15px;
+    font-weight:bold;
+    padding:6px 24px;
+    text-decoration:none;
+    text-shadow:1px 1px 0px #b23e35;
+}.cancelButton:hover {
+    background:-webkit-gradient( linear, left top, left bottom, color-stop(0.05, #e4685d), color-stop(1, #fc8d83) );
+    background:-moz-linear-gradient( center top, #e4685d 5%, #fc8d83 100% );
+    filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#e4685d', endColorstr='#fc8d83');
+    background-color:#e4685d;
+}.cancelButton:active {
+    position:relative;
+    top:1px;
+}
+
+.clearfix:after {
+    visibility: hidden;
+    display: block;
+    font-size: 0;
+    content: " ";
+    clear: both;
+    height: 0;
+    }
+* html .clearfix             { zoom: 1; } /* IE6 */
+*:first-child+html .clearfix { zoom: 1; } /* IE7 */