Calculated Risk Score: ${score} out of 25

This simplified score reflects the combined assessment of the factors above. Refer to the disclaimer for important context.

`; switchTab(1); } function bldrDownloadPDF() { if (!analysisData) { showError("Please estimate the risk first to generate a PDF."); switchTab(0); return; } clearError(); if (typeof jspdf === 'undefined' || typeof jspdf.jsPDF === 'undefined') { showError("PDF library (jsPDF) not loaded."); return; } const { jsPDF } = jspdf; const doc = new jsPDF(); if (typeof doc.autoTable !== 'function') { showError("PDF Table library (jsPDF-AutoTable) not available."); return; } const primaryColor = '#0073e6'; const textColor = '#333333'; let currentY = 22; const lineSpacing = 7; const indent = 14; const valIndent = 80; doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("Business Loan Default Risk Estimation", indent, currentY); currentY += lineSpacing + 5; function addSection(title) { doc.setFontSize(14); doc.setTextColor(primaryColor); doc.text(title, indent, currentY); currentY += lineSpacing + 2; doc.setFontSize(11); doc.setTextColor(textColor); } function addItem(label, value) { doc.text(label, indent, currentY); doc.text(value ? value.toString() : "N/A", valIndent, currentY); currentY += lineSpacing; } addSection("User Inputs:"); addItem("Current Assets:", "$" + analysisData.currentAssets.toLocaleString()); addItem("Current Liabilities:", "$" + analysisData.currentLiabilities.toLocaleString()); addItem("Total Debt:", "$" + analysisData.totalDebt.toLocaleString()); addItem("Total Equity:", "$" + analysisData.totalEquity.toLocaleString()); addItem("EBIT (Annual):", "$" + analysisData.ebit.toLocaleString()); addItem("Annual Interest Payments:", "$" + analysisData.interestExpense.toLocaleString()); addItem("Years in Business:", analysisData.yearsInBusiness.toString()); addItem("Revenue Trend:", revenueTrendEl.options[revenueTrendEl.selectedIndex].text); currentY += 5; addSection("Calculated Ratios:"); addItem("Current Ratio:", formatRatio(analysisData.currentRatio)); addItem("Debt-to-Equity Ratio:", formatRatio(analysisData.debtToEquity)); addItem("Interest Coverage Ratio:", formatRatio(analysisData.interestCoverage)); currentY += 5; addSection("Risk Estimation Output:"); addItem("Calculated Risk Score:", `${analysisData.score} / 25`); doc.setFontSize(12); doc.setFont(undefined, 'bold'); // Set color for risk level text based on its class const riskClass = analysisData.riskCategory.class; if (riskClass === 'risk-lower') doc.setTextColor(39, 110, 66); // Dark Green else if (riskClass === 'risk-mod-lower' || riskClass === 'risk-mod-higher') doc.setTextColor(133, 100, 4); // Dark Yellow/Orange else if (riskClass === 'risk-higher') doc.setTextColor(114, 28, 36); // Dark Red else doc.setTextColor(textColor); // Default addItem("Estimated Risk Level:", analysisData.riskCategory.level); doc.setFont(undefined, 'normal'); doc.setTextColor(textColor); currentY += 10; doc.setFontSize(9); doc.setTextColor("#777777"); const disclaimerLines = doc.splitTextToSize("Disclaimer: This estimation is based on a simplified model for informational purposes only and is not financial advice or a definitive credit assessment. Actual risk involves many other factors. Consult financial professionals.", 180); doc.text(disclaimerLines, indent, currentY); const pdfFileName = `Business-Risk-Estimate-${new Date().toISOString().slice(0,10)}.pdf`; doc.save(pdfFileName); } });