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Common Error: Off-by-1 Error

• year = 0;
  while (balance < targetBalance)
  {
     year++;
     double interest = balance * rate / 100;
     balance = balance + interest;
  }
  System.out.println("Reached target after "
     + year + " years.");
• Should year start at 0 or 1?
• Should the test be < or <=?
  

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