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The whole procedure

1. Get the aircraft’s current basic empty weight and moment from its weight-and-balance record, and its limits and station arms from the POH/AFM.

2. Weigh or reliably estimate every person and bag. Convert fuel to pounds.

3. Fill in weight × arm = moment for every row; total weight and total moment; CG = total moment ÷ total weight.

4. Check the total weight and the CG against the envelope — at takeoff and after fuel burn at landing — and every station limit.

5. If anything is out of limits, change the loading and calculate again.