Works outside but not inside!

#Amortization for multiple rows
createAmorts<-function(ams, numPer, term) {
  fctrs<-rep(1:term, each = numPer)
  
  oneRow<-function(am,  fac){      
    tdf<-data.frame(ams = c(am), yrs=fac)      
    agg<-aggregate(ams ~ yrs, data = tdf, sum)     
    agg$ams<-1-cumsum(agg$ams)     
    agg     
  }     
  data.frame(id = rep(1:nrow(ams), each = term),
             do.call(rbind, apply(ams, 1, oneRow, fctrs)))
}

retrieveSSdata<-function(inputPath) {
  iList<-list()
  theWb<-loadWorkbook(inputPath)
  
  # Set up the amorts using inputs and term and frequency
  theTerm<-readNamedRegion(theWb, "Term", useCachedValues = TRUE, header = FALSE)
  theFreq<-readNamedRegion(theWb, "freq", useCachedValues = TRUE, header = FALSE)
  allAmorts<-readNamedRegion(theWb, "allAmorts", useCachedValues = TRUE, header = FALSE)

  theAmorts<-createAmorts(allAmorts, 12/theFreq, theTerm*theFreq)

  iList[["amort"]]<-theAmorts
  iList[["PremAttach"]]<-readNamedRegion(theWb, "amPremAttach", useCachedValues = TRUE)
  #
  
  iList
}

Note that in the above code everything seems to work fine except for the ?createAmorts" code.