diff --git a/SynchronyFinancial/SynchronyFinancial WatchKit App/Base.lproj/Interface.storyboard b/SynchronyFinancial/SynchronyFinancial WatchKit App/Base.lproj/Interface.storyboard
index fdfa360..e2f6ea7 100644
--- a/SynchronyFinancial/SynchronyFinancial WatchKit App/Base.lproj/Interface.storyboard	
+++ b/SynchronyFinancial/SynchronyFinancial WatchKit App/Base.lproj/Interface.storyboard	
@@ -431,7 +431,7 @@
                                 <label width="1" alignment="center" text="Last Payment" textAlignment="center" id="s3f-G9-0Lf">
                                     <fontDescription key="font" type="boldSystem" pointSize="16"/>
                                 </label>
-                                <button width="1" alignment="center" verticalAlignment="bottom" title="Button" id="enb-nR-7wM">
+                                <button width="1" alignment="center" verticalAlignment="bottom" title="Details" id="enb-nR-7wM">
                                     <connections>
                                         <action selector="showDetails" destination="mId-Ii-HO4" id="4pt-Zo-nOe"/>
                                     </connections>
@@ -465,7 +465,7 @@
                                     <fontDescription key="font" type="boldSystem" pointSize="16"/>
                                 </label>
                                 <imageView width="1" height="93" alignment="center" verticalAlignment="center" contentMode="scaleAspectFit" id="JDC-go-3sn"/>
-                                <button width="1" alignment="left" verticalAlignment="bottom" title="Button" id="JxL-nb-z6E">
+                                <button width="1" alignment="left" verticalAlignment="bottom" title="Details" id="JxL-nb-z6E">
                                     <connections>
                                         <action selector="showDetails" destination="WY4-SK-U7W" id="Hie-sR-PE3"/>
                                     </connections>
@@ -496,12 +496,12 @@
                                             <color key="textColor" red="0.55326947770000001" green="0.94338613010000005" blue="0.18923908389999999" alpha="1" colorSpace="calibratedRGB"/>
                                             <fontDescription key="font" type="system" weight="heavy" pointSize="55"/>
                                         </label>
-                                        <label width="0.5" height="1" alignment="right" text="Accounts with Good or better Utilization" textAlignment="center" numberOfLines="5" id="W6T-4E-azA">
+                                        <label width="0.5" height="1" alignment="right" text="Accounts with 30% or lower Utilization" textAlignment="center" numberOfLines="5" id="W6T-4E-azA">
                                             <fontDescription key="font" type="system" pointSize="12"/>
                                         </label>
                                     </items>
                                 </group>
-                                <button width="1" alignment="left" verticalAlignment="bottom" title="Button" id="HTc-Qj-xOt">
+                                <button width="1" alignment="left" verticalAlignment="bottom" title="Details" id="HTc-Qj-xOt">
                                     <connections>
                                         <action selector="showDetails" destination="uKU-6b-2xO" id="OWF-LN-TCt"/>
                                     </connections>
diff --git a/SynchronyFinancial/SynchronyFinancial WatchKit Extension/FetchData.swift b/SynchronyFinancial/SynchronyFinancial WatchKit Extension/FetchData.swift
index dedc17d..013aedb 100644
--- a/SynchronyFinancial/SynchronyFinancial WatchKit Extension/FetchData.swift	
+++ b/SynchronyFinancial/SynchronyFinancial WatchKit Extension/FetchData.swift	
@@ -59,8 +59,10 @@ class FetchData {
                             let minPaymentDue = Double(minPayDueString),
                             let statementBalString = $0.dictionaryValue["statement_bal"]?.string,
                             let statementBalance = Double(statementBalString),
+                            let lastPmtString = $0.dictionaryValue["last_payment_amount"]?.string,
+                            let lastPayment = Double(lastPmtString),
                             let accountName = $0.dictionaryValue["cc_program_name"]?.string {
-                                let inAccount = Account(accountAlias, creditLimit, last4, paymentDueDate, currentBalance, availableCredit, minPaymentDue, statementBalance, accountName)
+                                let inAccount = Account(accountAlias, creditLimit, last4, paymentDueDate, currentBalance, availableCredit, minPaymentDue, statementBalance, accountName, lastPayment)
                                 accountList.append(inAccount)
                             }
                         }
diff --git a/SynchronyFinancial/SynchronyFinancial WatchKit Extension/LastPaymentInterfaceController.swift b/SynchronyFinancial/SynchronyFinancial WatchKit Extension/LastPaymentInterfaceController.swift
index 5ed7158..49427ad 100644
--- a/SynchronyFinancial/SynchronyFinancial WatchKit Extension/LastPaymentInterfaceController.swift	
+++ b/SynchronyFinancial/SynchronyFinancial WatchKit Extension/LastPaymentInterfaceController.swift	
@@ -15,17 +15,13 @@ class LastPaymentInterfaceController: WKInterfaceController {
 
     override func awake(withContext context: Any?) {
         super.awake(withContext: context)
-        // Configure interface objects here.
-    }
-
-    override func willActivate() {
-        // This method is called when watch view controller is about to be visible to user
-        super.willActivate()
-    }
+        guard let data = context as? [Any], data.count == 2, let last = data[0] as? Double, let rate = data[1] as? Int else {
+            NSLog("Error getting utilization data from wellness.")
+            return
+        }
 
-    override func didDeactivate() {
-        // This method is called when watch view controller is no longer visible
-        super.didDeactivate()
+        valueLabel.setText(String(format: "$%.2f", last))
+        descriptionLabel.setText("At this rate*, 0% utilization reached in \(rate) month(s).")
     }
 
     @IBAction func showDetails() {
diff --git a/SynchronyFinancial/SynchronyFinancial WatchKit Extension/UtilizationTrendInterfaceController.swift b/SynchronyFinancial/SynchronyFinancial WatchKit Extension/UtilizationTrendInterfaceController.swift
index 7cf3ba4..617a6a9 100644
--- a/SynchronyFinancial/SynchronyFinancial WatchKit Extension/UtilizationTrendInterfaceController.swift	
+++ b/SynchronyFinancial/SynchronyFinancial WatchKit Extension/UtilizationTrendInterfaceController.swift	
@@ -30,7 +30,7 @@ class UtilizationTrendInterfaceController: WKInterfaceController {
     override func didAppear() {
         // This method is called when watch view controller is about to be visible to user
         super.didAppear()
-        animate(withDuration: 1.5) {
+        animate(withDuration: 1.0) {
             self.trendImage.setAlpha(1.0)
             self.trendLabel.setAlpha(1.0)
         }
diff --git a/SynchronyFinancial/SynchronyFinancial WatchKit Extension/WellnessInterfaceController.swift b/SynchronyFinancial/SynchronyFinancial WatchKit Extension/WellnessInterfaceController.swift
index 77243bd..52313ad 100644
--- a/SynchronyFinancial/SynchronyFinancial WatchKit Extension/WellnessInterfaceController.swift	
+++ b/SynchronyFinancial/SynchronyFinancial WatchKit Extension/WellnessInterfaceController.swift	
@@ -14,6 +14,10 @@ class WellnessInterfaceController: WKInterfaceController {
     var wellnessScore: Int = 0
     var utilizationScore: Int = 0
     var previousUtil: Int = 0
+    var lastpayment = 0.0
+    var lastPmtMetric = 0
+    var avgUtilization = 0.0
+    var healthyCount = 0
 
     @IBOutlet weak var image: WKInterfaceImage!
 
@@ -35,15 +39,28 @@ class WellnessInterfaceController: WKInterfaceController {
         var totalBalance: Double = 0
         var totalCredit: Double = 0
         var previous: Double = 0
+        var average = 0.0
 
         accounts.forEach {
             totalCredit += $0.creditLimit
             totalBalance += $0.curBalance
+            let util = $0.curBalance / $0.creditLimit
+            if util <= 0.3 {
+                healthyCount += 1
+            }
+            average += util
             previous += Double(arc4random_uniform(UInt32($0.creditLimit)))
         }
 
+        avgUtilization = average / Double(accounts.count)
         utilizationScore = Int((totalBalance / totalCredit) * 100)
         previousUtil = Int((previous / totalCredit) * 100)
+
+        if accounts.count == 1 {
+            lastpayment = accounts[0].lastPayment
+            let rate = Float(accounts[0].curBalance / lastpayment).rounded(.up)
+            lastPmtMetric = Int(rate)
+        }
     }
 
     private func calculateWellness() {
@@ -54,11 +71,11 @@ class WellnessInterfaceController: WKInterfaceController {
     @IBAction func moreButtonTapped() {
         if accounts.count > 1 {
             let pages = ["UtilizationScore", "UtilizationTrend", "AvgUtilization", "HealthyAccts"]
-            let contexts: [Any] = [utilizationScore, [utilizationScore, previousUtil], 35.5, 7]
+            let contexts: [Any] = [utilizationScore, [utilizationScore, previousUtil], avgUtilization, healthyCount]
             presentController(withNames: pages, contexts: contexts)
         } else {
             let pages = ["UtilizationScore", "UtilizationTrend", "LastPayment"]
-            let contexts: [Any] = [utilizationScore, [utilizationScore, previousUtil], [10.00, 125.00]]
+            let contexts: [Any] = [utilizationScore, [utilizationScore, previousUtil], [lastpayment, lastPmtMetric]]
             presentController(withNames: pages, contexts: contexts)
         }
     }
diff --git a/SynchronyFinancial/SynchronyFinancial/Account.swift b/SynchronyFinancial/SynchronyFinancial/Account.swift
index f44c8a6..2ca8d1a 100644
--- a/SynchronyFinancial/SynchronyFinancial/Account.swift
+++ b/SynchronyFinancial/SynchronyFinancial/Account.swift
@@ -13,26 +13,23 @@ class Account: NSObject {
     var last4: String
     //var transactions: [Transaction]
     var paymentDueDate: Date
-    //var cycleEndDate: Date
     var curBalance: Double
     var availCredit: Double
-    //var balance: Double
     var minPayDue: Double
     var statementBal: Double
     var accountName: String
+    var lastPayment: Double
 
-    init(_ accountAlias: String, _ creditLimit: Double, _ last4: String, _ paymentDueDate: Date, _ curBalance: Double, _ availCredit: Double, _ minPayDue: Double, _ statementBal: Double, _ accountName: String) {
+    init(_ accountAlias: String, _ creditLimit: Double, _ last4: String, _ paymentDueDate: Date, _ curBalance: Double, _ availCredit: Double, _ minPayDue: Double, _ statementBal: Double, _ accountName: String, _ last: Double) {
         self.accountAlias = accountAlias
         self.creditLimit = creditLimit
         self.last4 = last4
-        //self.transactions = transactions
-        //self.balance = transactions.map { $0.amount }.reduce(0.0, +)
         self.paymentDueDate = paymentDueDate
-        //self.cycleEndDate = cycleEndDate
         self.curBalance = curBalance
         self.minPayDue = minPayDue
         self.availCredit = availCredit
         self.statementBal = statementBal
         self.accountName = accountName
+        self.lastPayment = last
     }
 }
diff --git a/SynchronyFinancial/SynchronyFinancial/Defaults.swift b/SynchronyFinancial/SynchronyFinancial/Defaults.swift
index eb0d464..d9eace3 100644
--- a/SynchronyFinancial/SynchronyFinancial/Defaults.swift
+++ b/SynchronyFinancial/SynchronyFinancial/Defaults.swift
@@ -26,7 +26,7 @@ final class Defaults {
     static let UTIL = "Credit utilization is the ratio of credit used compared to total credit. Ideally, this value should be 30% or below."
     static let UTIL_TRENDS = "Lowering your utilization over time can help reduce the amount of interest accrued on your accounts."
     static let AVG_UTIL = "Average Utilization shows the mean credit utilization across all of your CareCredit accounts"
-    static let LAST_PAYMENT = "Making monthly payments at this rate (excluding interests), you can eliminate your balance in the noted time period."
+    static let LAST_PAYMENT = "Making monthly payments at this rate (excluding interest), you can eliminate your balance in the noted time period."
     static let HEALTHY_ACCTS = "Healthy accounts shows how many of your CareCredit accounts stand with a utilization at 30% or below."
 
     static let careCreditDateFormatter: DateFormatter = {
@@ -47,13 +47,13 @@ final class Defaults {
                                 "mobile_longitude": 0.0],
                    "password": "Test12test",
                    "scope": "default",
-                   "username": "hhgregg2088"]
+                   "username": "carecredit"]
     }()
 
     // this header is used for multi-account and fetch banks resources
     static var headerForMulti: [String: Any] = {
         return ["header": defaultHeader,
-                "username": "hhgregg2088"]
+                "username": "carecredit"]
     }()
 
     static var headerForTransaction: [String: Any] = {
@@ -72,7 +72,7 @@ final class Defaults {
                 "header": defaultHeader,
                 "scope_indicator": "B",
                 "start_date": start_date,
-                "username": "hhgregg2088"]
+                "username": "carecredit"]
     }()
 
     static var headerForCancelPmt: [String: Any] = {
@@ -90,7 +90,7 @@ final class Defaults {
                 "scope_indicator": "B",
                 "payment_confirmation_number": pmt_confirmation,
                 "payment_id": payment_id,
-                "username": "hhgregg2088"]
+                "username": "carecredit"]
     }()
 
     static var headerForPmt: [String: Any] = {
@@ -106,6 +106,6 @@ final class Defaults {
                 "payment_amount": 123.45,
                 "payment_amount_type": "CBL",
                 "scheduled_payment_post_date": "20190306",
-                "username": "hhgregg2088"]
+                "username": "carecredit"]
     }()
 }