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Robert,
1. color status is usefule when displaying break down of loans on client, we might not continue to support that approach of bring back loans broken down by status going forward.
2. I dont see a need for colours in the reports for now
3. Your right, the 'close out' client api isnt implemented as of yet, you can create clients, delete them if not active, activate if not active, will add 'close' client in next/near releases, same for groups/centers etc - so what your doing to test the colours is fine for now.