fmp17 Need help on how to put Penalty?

[Tondats]

Hello guys, good evening!

Currently I'm making a solution "Ageing of Accounts" to a certain Government agency. 

I'm still in the part of an account's computation to get the ending balance of every account. But I have a problem in putting some Penalties. (See the picture below)

These are situations that needs to be Penalties. Penalty will be posted if:
1. If the Bill of a certain account exceeded the Due Date provided.
2. If the person has not paid and it exceeded the Due Date.
3. If there is a remaining balance of a certain account and it has not been paid yet.

I have attached a sample, for you to test and help me with this solution that I'm currently solving.

If you already downloaded the sample, there's only one sample account there. The total ending balance of should be "16,996.10". But in my computation, it's only "16,901.20". 

The BILLING - February 2017 and BILLING - April 2017 should have penalties, since there is still remaining balance. The account should always penalty since if the Arrears is not yet paid.

Hope someone can help me.

Thank you!

Ageing Sample.fmp12

[Tondats]

I really need your help please...Anyone?