let private calculateDebtReductionResults
        (getTransactions: string -> string -> string[] -> Transaction[])
        (config:Config) =
        let months =
            getTransactions config.AccessToken (config.BudgetId.ToString()) config.FilterAccounts
            |> Seq.groupBy(fun x ->  (x.Date.Year.ToString() + x.Date.Month.ToString()))
            |> Seq.map(fun (_,values) ->
                {
                    Year = (values |> Seq.head).Date.Year;
                    Month = (values |> Seq.head).Date.Month;
                    MonthReduction =
                        values
                        |> Seq.map(fun x -> ((decimal)x.Amount/(decimal)1000))
                        |> Seq.sum;
                })
            |> Seq.toArray
        let consideredDebtReduction =
            months.[(Seq.length(months) - config.MonthsToAvg)..]
            |> Seq.map(fun x -> x.MonthReduction)
            |> Seq.sum
        let debtReductionRate = consideredDebtReduction / (decimal)config.MonthsToAvg
        let remainingDebt =
            months
            |> Seq.map(fun x -> x.MonthReduction)
            |> Seq.sum
            |> Math.Abs
        {
            RemainingDebt = remainingDebt;
            MonthlyPaydownAvg = debtReductionRate;
            MonthsRemaining = remainingDebt / debtReductionRate;
        }

    let GetDebtReductionResults = calculateDebtReductionResults getAllTransactions