def amortization_schedule_iof(
        amortizations,
        return_days,
        daily_iof_aliquot=0.000082
):
    """IOF tax over an amortization schedule.

    If :math:`A_1,A_2\\ldots,A_k` are the amortizations,
    :math:`n_1,n_2,\\ldots,n_k` the return days and :math:`I^*` the daily IOF
    aliquot, then the due IOF tax is

    .. math::

        \\sum_{i=1}^k A_i \\min(n_i I^*, 0.015).

    Parameters
    ----------
    amortizations: list, required
        Sequence of amortizations.
    return_days: list, required
        Sequence of assumed return days.
    daily_iof_aliquot: float, required
        The daily IOF aliquot, defined by law.

    Returns
    -------
        The due IOF tax on the amortizations in the given days.
    """

    # variables are renamed to make the math more explicit
    amts = amortizations
    r_days = return_days
    d = daily_iof_aliquot

    return sum(a * min(n * d, 0.015) for a, n in zip(amts, r_days))