add_filter( 'gform_validation', function ( $validation_result ) {

		$forms_array[46] = array(
			'amount_field_id'  => 8,
			'name_field_id'    => 19,
			'ledger_form_id'   => 47,
			'ledger_name_id'   => 1,
			'ledger_amount_id' => 4,
		);

		// get form
		$form = $validation_result['form'];

		// if form isnt in array do nothing
		if ( ! in_array( $form['id'], array_keys( $forms_array ) ) ) {
			return $validation_result;
		}

		$amount_field_id = $forms_array[ $form['id'] ]['amount_field_id'];

		// get amount field
		foreach ( $form['fields'] as $field ) {
			if ( $field->id == $amount_field_id ) {

				// get amount
				$amount = str_replace( array( '$', ',' ), '', $field->gppa_hydrated_value );

				// check against balance
				// get ledger first
				$ledger_form_id      = $forms_array[ $form['id'] ]['ledger_form_id'];
				$ledger_name_field   = $forms_array[ $form['id'] ]['ledger_name_id'];
				$ledger_amount_field = $forms_array[ $form['id'] ]['ledger_amount_id'];
				$name_field_id       = $forms_array[ $form['id'] ]['name_field_id'];
				$name_field          = null;

				for ( $j = 0; $j < count( $form['fields'] ); $j++ ) {
					if ( $form['fields'][ $j ]->id == $name_field_id ) {
						$name_field = $form['fields'][ $j ]->gppa_hydrated_value;
						break;
					}
				}

				$search_criteria                    = array();
				$search_criteria['status']          = 'active';
				$search_criteria['field_filters']   = array();
				$paging_offset                      = 0;
				$total_count                        = 0;
				$paging                             = array(
					'offset'    => $paging_offset,
					'page_size' => 25,
				);
				$search_criteria['field_filters'][] = array(
					'key'   => $ledger_name_field,
					'value' => $name_field,
				);

				$ledger_entries = GFAPI::get_entries( $ledger_form_id, $search_criteria, null, $paging, $total_count );

				// if more entries then returned then make more calls until get them all
				while ( $total_count > count( $ledger_entries ) ) {
					$paging_offset += 25;
					$paging         = array(
						'offset'    => $paging_offset,
						'page_size' => 25,
					);

					$new_entries = GFAPI::get_entries( $ledger_form_id, $search_criteria, null, $paging, $total_count );

					foreach ( $new_entries as $new_entry ) {
						$ledger_entries[] = $new_entry;
					}
				}

				$ledger_amount = 0;
				foreach ( $ledger_entries as $entry ) {
					$ledger_amount += $entry[ $ledger_amount_field ];
				}

				$paging_offset                       = 0;
				$paging                              = array(
					'offset'    => $paging_offset,
					'page_size' => 25,
				);
				$search_criteria['field_filters'][0] = array(
					'key'   => $name_field_id,
					'value' => $name_field,
				);
				$search_criteria['field_filters'][]  = array(
					'key'   => 'workflow_final_status',
					'value' => 'pending',
				);

				// subtract pending amount
				$pending_disbursals = 0;
				$child_entries      = GFAPI::get_entries( $form['id'], $search_criteria, null, $paging, $total_count );

				// if more entries then returned then make more calls until get them all
				while ( $total_count > count( $child_entries ) ) {
					$paging_offset += 25;
					$paging         = array(
						'offset'    => $paging_offset,
						'page_size' => 25,
					);

					$new_entries = GFAPI::get_entries( $form['id'], $search_criteria, null, $paging, $total_count );

					foreach ( $new_entries as $new_entry ) {
						$child_entries[] = $new_entry;
					}
				}

				foreach ( $child_entries as $child_entry ) {
					$pending_disbursals += $child_entry[ $field['id'] ];
				}

				$balance = $ledger_amount - $pending_disbursals;

				if ( $amount > $balance ) {
					$field->failed_validation      = true;
					$money_balance                 = number_format( $balance, 2 );
					$amount_over                   = $amount - $balance;
					$amount_over                   = number_format( $amount_over, 2 );
					$field->validation_message     = "With this request, your total requested amount exceeds your available balance of $$money_balance by $$amount_over.";
					$validation_result['is_valid'] = false;
				}
				$validation_result['form'] = $form;

				return $validation_result;
			}
		}
		$validation_result['form'] = $form;

		return $validation_result;
	}
);