Steps to Reproduce

open the attached xlsx file
PMT-with-empty-4th-param.xlsx

Current Result

the PMT formula with an empty (but optional) 4th evaluates into an error

Expected Result

formula should evaluate using the default value '0' for the 4th arg
e.g. as in LibreOffice Calc (also works in MS Excel)

Debug Information

the default values for omitted formula arguments only consider the last one or the last 2 missing args (but not the case when only the 4th parameter is empty)

org.zkoss.poi.ss.formula.functions.FinanceFunction#evaluate(org.zkoss.poi.ss.formula.eval.ValueEval[], int, int)

Workaround

omit the last 2 optional arguments or provide a the default value for the 4th arg manually