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"; } }); function viewPotentialImpactCSIMP() { if (!primaryBorrowerCreditTierInCSIMP || !coSignerCreditTierInCSIMP || !estimatedAprAloneOutCSIMP || !estimatedAprWithCoSignerOutCSIMP || !resultsSectionCSIMP) { alert("Error: Estimator components not found. Please refresh."); return; } const primaryTierKey = primaryBorrowerCreditTierInCSIMP.value; const coSignerTierKey = coSignerCreditTierInCSIMP.value; const primaryData = illustrativePersonalLoanAprDataCSIMP[primaryTierKey]; const coSignerData = illustrativePersonalLoanAprDataCSIMP[coSignerTierKey]; if (!primaryData || !coSignerData) { alert("Invalid selection. Please choose from the dropdowns."); return; } const aprAlone = primaryData.range; let aprWithCoSigner = aprAlone; // Default to no change let qualitativeNoteForPdf = "This is an illustrative estimate. Actual impact varies."; // Simplified illustrative impact logic let effectiveScore = primaryData.score; if (coSignerData.score > primaryData.score) { // Improve by one tier, up to a maximum of the co-signer's actual tier's score effectiveScore = Math.min(primaryData.score + 1, coSignerData.score); qualitativeNoteForPdf = "With a co-signer having a stronger illustrative credit tier, the potential APR range may improve. This also might positively influence loan approval likelihood. These are illustrative estimates only."; } else if (coSignerData.score === primaryData.score) { qualitativeNoteForPdf = "A co-signer in a similar illustrative credit tier may not significantly change the APR range but could strengthen an application through other factors like income or stability (not assessed by this tool). This is an illustrative estimate."; } else { // Co-signer score is lower qualitativeNoteForPdf = "A co-signer with a lower illustrative credit tier is unlikely to improve the APR range and may not significantly aid approval based on credit score alone. These are illustrative estimates."; } const effectiveTierKey = findTierKeyByScoreCSIMP(effectiveScore); if (effectiveTierKey) { aprWithCoSigner = illustrativePersonalLoanAprDataCSIMP[effectiveTierKey].range; } else { // Fallback, should ideally not be reached with valid scores aprWithCoSigner = aprAlone; } estimatedAprAloneOutCSIMP.textContent = aprAlone; estimatedAprWithCoSignerOutCSIMP.textContent = aprWithCoSigner; // potentialImpactNotesOutCSIMP.textContent = qualitativeNote; // Not displaying this in UI // potentialImpactNotesOutCSIMP.style.display = "block"; calculatedValuesCSIMP = { inputs: { primaryBorrowerTier: primaryTierKey, coSignerTier: coSignerTierKey }, outputs: { aprAlone: aprAlone, aprWithCoSigner: aprWithCoSigner, qualitativeNoteForPdf: qualitativeNoteForPdf // For PDF only } }; resultsSectionCSIMP.style.display = "block"; } function generatePdfCSIMP() { if (Object.keys(calculatedValuesCSIMP).length === 0 || !resultsSectionCSIMP || resultsSectionCSIMP.style.display === 'none') { alert('Please view the potential impact first to generate a PDF summary.'); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF) is not loaded.'); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); if (typeof doc.autoTable !== 'function') { alert('PDF generation plugin (jsPDF-AutoTable) is not loaded.'); return; } const data = calculatedValuesCSIMP; try { doc.setFontSize(16); // Slightly smaller main title for this tool doc.setTextColor(54, 69, 79); // #36454F Charcoal Grey doc.text("Illustrative Co-Signer Potential Impact Summary", 14, 22); doc.setFontSize(10); doc.setTextColor(100); doc.text(`Report Generated: ${new Date().toLocaleDateString()}`, 14, 28); let startY = 38; const tableTheme = 'grid'; const headFillColor = [96, 125, 139]; // #607D8B Muted Blue-Gray const headTextColor = [255, 255, 255]; doc.setFontSize(12); doc.setTextColor(74, 85, 104); // #4a5568 doc.text("Selected Credit Tiers (Illustrative)", 14, startY); startY += 7; doc.autoTable({ head: [['Applicant Type', 'Selected Illustrative Credit Tier']], body: [ ['Primary Borrower', data.inputs.primaryBorrowerTier], ['Co-Signer', data.inputs.coSignerTier] ], startY: startY, theme: tableTheme, headStyles: { fillColor: headFillColor, textColor: headTextColor }, styles: { fontSize: 10 } }); startY = doc.lastAutoTable.finalY + 12; doc.setFontSize(12); doc.setTextColor(74, 85, 104); doc.text("Illustrative APR Range Comparison", 14, startY); startY += 7; doc.autoTable({ head: [['Scenario', 'Illustrative APR Range']], body: [ ['Applying Alone (Primary Borrower)', data.outputs.aprAlone], ['With Co-Signer (Illustrative)', data.outputs.aprWithCoSigner] ], startY: startY, theme: tableTheme, headStyles: { fillColor: headFillColor, textColor: headTextColor }, styles: { fontSize: 10 }, columnStyles: { 1: { fontStyle: 'bold' } } }); startY = doc.lastAutoTable.finalY + 10; doc.setFontSize(9); doc.setTextColor(100); // Gray color for the note const noteText = data.outputs.qualitativeNoteForPdf + " IMPORTANT: The APR ranges and potential impact shown are purely illustrative, based on generic tiers and a simplified model. Actual loan terms, approval, and the effect of a co-signer depend on detailed credit assessments by lenders, their specific policies, market conditions, and other individual financial factors. This is not a loan offer or guarantee. Consult lenders for actual terms."; const splitNote = doc.splitTextToSize(noteText, doc.internal.pageSize.getWidth() - 28); // Page width minus margins doc.text(splitNote, 14, startY); doc.save("Illustrative_CoSigner_Impact_Summary.pdf"); } catch (error) { console.error("CSIMP PDF Error:", error); alert("An error occurred while generating the PDF: " + error.message); } }