Complexity is easy to create. You just keep adding to what was there before. Before you know it, you have a complex system. Checking that a complex system is correct is very time-consuming. When it's wrong, it may take an age to find out where it's wrong. And you don't have an age, do you?
Packola deliberately keeps things simple. Simple formulae act on clearly visible source data. When two years of account use the same method they share that method, one's not an old copy of the other. Packola helps you find the annoying adjustments that just had to be made. And all the data's live all of the time, you don't even have to click save.