protected double YearsTo(DateTime endDate, Loan loan)
        {
            var beginDate             = loan.GetToday().HasValue ? loan.GetToday().Value : loan.GetStart().Value;
            var beginDateMilliseconds = new DateTimeOffset(beginDate).ToUnixTimeMilliseconds();
            var endDateMilliseconds   = new DateTimeOffset(endDate).ToUnixTimeMilliseconds();

            return(((endDateMilliseconds - beginDateMilliseconds) / MillisPerDay) / DaysPerYear);
        }