However, by choosing the shorter ${shortTermDetails.term}-month term, you would pay ${ltc_formatCurrency(shortTermDetails.totalInterest)} in total interest. This is ${ltc_formatCurrency(Math.abs(diffTotalInterest))} less interest compared to the ${longTermDetails.term}-month term (${ltc_formatCurrency(longTermDetails.totalInterest)}).

Overall, the total cost of the loan for the shorter term is ${ltc_formatCurrency(shortTermDetails.totalCost)}, while for the longer term it is ${ltc_formatCurrency(longTermDetails.totalCost)}.

Shorter loan terms generally mean higher monthly payments but less total interest paid and faster equity buildup in your vehicle.

`; if(ltc_el.summaryHighlights) ltc_el.summaryHighlights.innerHTML = summaryHTML; if(ltc_el.pdfDownloadBtn && ltc_el.pdfDownloadBtn.style) ltc_el.pdfDownloadBtn.style.display = 'block'; } function ltc_resetForm() { if(ltc_el.loanAmount) ltc_el.loanAmount.value = "25000"; if(ltc_el.annualInterestRate) ltc_el.annualInterestRate.value = "6.0"; if(ltc_el.shortTerm) ltc_el.shortTerm.value = "36"; if(ltc_el.longTerm) ltc_el.longTerm.value = "60"; document.querySelectorAll('#loanTermComparator .ltc-error-message').forEach(el => el.textContent = ''); if(ltc_el.resultsOutput) ltc_el.resultsOutput.innerHTML = ""; if(ltc_el.summaryHighlights) ltc_el.summaryHighlights.innerHTML = ""; if(ltc_el.pdfDownloadBtn && ltc_el.pdfDownloadBtn.style) ltc_el.pdfDownloadBtn.style.display = 'none'; if(ltc_el.resultsTabButton) ltc_el.resultsTabButton.disabled = true; ltc_currentTab = 0; ltc_openTab(null, 'ltc-inputTab'); } function ltc_downloadPDF() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF !== 'function' || typeof window.jspdf.jsPDF.API.autoTable !== 'function') { alert("PDF generation library not loaded. Check CDN links & internet connection."); return; } const jsPDFConstructor = window.jspdf.jsPDF; const resultsTableElement = document.getElementById('ltc-resultsTable'); const summaryHighlightsContent = ltc_el.summaryHighlights; if (!resultsTableElement || !summaryHighlightsContent || !summaryHighlightsContent.textContent.trim()) { alert("No results to download. Please calculate first."); return; } try { const pdf = new jsPDFConstructor('p', 'pt', 'a4'); const toolTitle = "Short-Term vs. Long-Term Loan Comparison"; const margins = { top: 40, bottom: 40, left: 30, right: 30 }; let yPos = margins.top; pdf.setFontSize(18); pdf.text(toolTitle, pdf.internal.pageSize.getWidth() / 2, yPos, { align: 'center' }); yPos += 25; pdf.setFontSize(10); pdf.text(`Loan Amount: ${ltc_formatCurrency(parseFloat(ltc_el.loanAmount.value))}, APR: ${ltc_el.annualInterestRate.value}% (assumed constant)`, margins.left, yPos); yPos += 20; pdf.setFontSize(11); pdf.text("Comparison Table:", margins.left, yPos); pdf.autoTable({ html: '#ltc-resultsTable', startY: yPos + 15, theme: 'grid', headStyles: { fillColor: [0, 123, 255], textColor: 255, fontSize: 9 }, styles: { fontSize: 8, cellPadding: 3 }, columnStyles: { 0: { fontStyle: 'bold' } }, didParseCell: function(data) { if (data.column.index === 3 && data.row.section === 'body') { // Difference column const cellValue = parseFloat(data.cell.raw.textContent.replace(/[^0-9.-]+/g,"")); if (!isNaN(cellValue)) { if (data.row.index === 2) { // Monthly Payment difference if (cellValue > 0) data.cell.styles.textColor = [114, 28, 36]; // Red for higher short-term payment else data.cell.styles.textColor = [21, 87, 36]; // Green if somehow lower } else if (data.row.index === 3 || data.row.index === 4) { // Interest or Total Cost difference if (cellValue < 0) data.cell.styles.textColor = [21, 87, 36]; // Green for savings else if (cellValue > 0) data.cell.styles.textColor = [114, 28, 36]; // Red for higher cost } data.cell.styles.fontStyle = 'bold'; } } }, tableWidth: 'auto', margin: { left: margins.left, right: margins.right } }); yPos = pdf.lastAutoTable.finalY + 25; if (summaryHighlightsContent) { if (yPos > pdf.internal.pageSize.getHeight() - margins.bottom - 60) { pdf.addPage(); yPos = margins.top; } pdf.setFontSize(11); pdf.text("Summary Highlights:", margins.left, yPos); yPos += 15; pdf.setFontSize(9); const summaryLines = pdf.splitTextToSize(summaryHighlightsContent.innerText.trim(), pdf.internal.pageSize.getWidth() - margins.left - margins.right - 5); pdf.text(summaryLines, margins.left + 5, yPos); } pdf.save('Loan_Term_Comparison.pdf'); } catch (e) { alert("An error occurred during PDF generation: " + e.message + ". Check console."); console.error("PDF Generation Error:", e); } }