record
  {record_length=148, delim=none, quote=none, binary, ebcdic, big_endian, charset='ISO-8859-1', round=round_inf, nofix_zero}
(
    I028A_KEY:subrec (
     ML_INST:decimal[3,0] {zoned,unsigned};
     ML_ACT_NUM:string[10];
     ML_CLOS_CD:decimal[1,0] {zoned,unsigned};
     ML_PRIN_BAL:decimal[11,2] {packed};
     ML_L_FLAG:decimal[1,0] {packed,unsigned};
     ML_W_FLAG:decimal[1,0] {packed,unsigned};
     ML_UNEA_DCNT_AMT:decimal[9,2] {packed};
     MLBNKRPT_FLG:string[1];
     ML_DELQ_BAG:decimal[3,0] {packed,unsigned};
     ML_DELQ_COUNS:string[3];
     ML_HOLD_DATE:decimal[7,0] {packed,unsigned};
     ML_EXT_POST_LATEST_DT:decimal[7,0] {packed,unsigned};
     ML_PCO_TAKEN:decimal[12,2] {packed};
     CALCULATED:decimal[3,0] {zoned,unsigned};
     FILLER_2:string[27];
     ML_INV_CODE:decimal[5,0] {packed,unsigned};
     PLSS_ENTITY:decimal[3,0] {zoned,unsigned};
     FBR_B_CHAP_1:decimal[2,0] {zoned,unsigned};
     FILLER_3:string[15];
     POC_POST_DUE_DATE:decimal[7,0] {packed,unsigned};
     FILLER_4:string[15];
     NEXT_DUE_DATE:decimal[7,0] {packed,unsigned};
     TOTAL_AMOUNT_DUE:decimal[11,2] {packed};
     DAYS_DELINQUENT_WITH_GRACE:decimal[5,0] {packed,unsigned};
     DAYS_DELINQUENT_WITHOUT_GRACE:decimal[5,0] {packed,unsigned};
     FILLER_5:string[4];
     TIME_STAMP_HOUR:decimal[2,0] {zoned,unsigned};
     TIME_STAMP_MINUTE:decimal[2,0] {zoned,unsigned};
     TIME_STAMP_SECOND:decimal[2,0] {zoned,unsigned};
     FILLER_6:string[2];
    );
)