Please correct errors in Tab 2: Refinance Offer.

'; blrbec_domElements.pdfDownloadBtn.classList.add('blrbec-hidden'); return; } const monthlySavings = blrbec_loanData.currentMonthlyPayment - blrbec_loanData.newMonthlyPayment; let breakEvenMonths = Infinity; let interpretationMessage = ""; let messageClass = "blrbec-neutral"; if (monthlySavings > 0) { if (blrbec_loanData.refinancingCosts === 0) { breakEvenMonths = 0; // Immediate break-even interpretationMessage = `You start saving ${blrbec_formatCurrency(monthlySavings)} per month immediately as there are no refinancing costs!`; messageClass = "blrbec-positive"; } else { breakEvenMonths = blrbec_loanData.refinancingCosts / monthlySavings; interpretationMessage = `With monthly savings of ${blrbec_formatCurrency(monthlySavings)}, it will take approximately ${breakEvenMonths.toFixed(1)} months to recover the refinancing costs of ${blrbec_formatCurrency(blrbec_loanData.refinancingCosts)}. Consider refinancing if you plan to keep the new loan longer than this period.`; messageClass = "blrbec-positive"; } } else if (monthlySavings === 0) { if (blrbec_loanData.refinancingCosts > 0) { interpretationMessage = `The monthly payment remains the same, but you have refinancing costs of ${blrbec_formatCurrency(blrbec_loanData.refinancingCosts)}. Refinancing is not beneficial.`; messageClass = "blrbec-negative"; } else { interpretationMessage = "The monthly payment remains the same and there are no refinancing costs. Refinancing has no immediate financial impact on monthly payments or upfront costs."; messageClass = "blrbec-neutral"; } } else { // monthlySavings < 0 interpretationMessage = `The new monthly payment is ${blrbec_formatCurrency(Math.abs(monthlySavings))} higher. Refinancing is not beneficial from a monthly cost perspective.`; messageClass = "blrbec-negative"; } blrbec_domElements.resultsContainer.innerHTML = ` `; blrbec_domElements.pdfDownloadBtn.classList.remove('blrbec-hidden'); } function blrbec_hexToRgb(hex) { if (!hex || typeof hex !== 'string') return null; const shorthandRegex = /^#?([a-f\d])([a-f\d])([a-f\d])$/i; hex = hex.replace(shorthandRegex, function(m, r, g, b) { return r + r + g + g + b + b; }); const result = /^#?([a-f\d]{2})([a-f\d]{2})([a-f\d]{2})$/i.exec(hex); return result ? { r: parseInt(result[1], 16), g: parseInt(result[2], 16), b: parseInt(result[3], 16) } : null; } function blrbec_generatePdf() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { console.error("jsPDF library not loaded."); alert("PDF generation unavailable: jsPDF library not loaded."); return; } if (typeof window.jspdf.jsPDF.API === 'undefined' || typeof window.jspdf.jsPDF.API.autoTable === 'undefined') { console.error("jsPDF-AutoTable plugin not loaded."); alert("PDF generation unavailable: AutoTable plugin not loaded."); return; } if (!blrbec_validateTab1() || !blrbec_validateTab2()) { // Re-validate all data alert("Please ensure all inputs are correctly filled before generating PDF."); // Attempt to navigate to the first invalid tab if (!blrbec_validateTab1()) { const tab1Button = document.querySelector('.blrbec-tab-link[data-tab="blrbec-tab1"]'); if (tab1Button) tab1Button.click(); } else if (!blrbec_validateTab2()) { const tab2Button = document.querySelector('.blrbec-tab-link[data-tab="blrbec-tab2"]'); if (tab2Button) tab2Button.click(); } return; } const ActualJsPDF = window.jspdf.jsPDF; const doc = new ActualJsPDF(); const monthlySavings = blrbec_loanData.currentMonthlyPayment - blrbec_loanData.newMonthlyPayment; let breakEvenMonths = Infinity; let interpretationMessage = ""; if (monthlySavings > 0) { if (blrbec_loanData.refinancingCosts === 0) { breakEvenMonths = 0; interpretationMessage = `You start saving ${blrbec_formatCurrencySimple(monthlySavings)} per month immediately as there are no refinancing costs.`; } else { breakEvenMonths = blrbec_loanData.refinancingCosts / monthlySavings; interpretationMessage = `With monthly savings of ${blrbec_formatCurrencySimple(monthlySavings)}, it will take approx. ${breakEvenMonths.toFixed(1)} months to recover refinancing costs of ${blrbec_formatCurrencySimple(blrbec_loanData.refinancingCosts)}.`; } } else if (monthlySavings === 0) { if (blrbec_loanData.refinancingCosts > 0) { interpretationMessage = `Monthly payment is unchanged, but refinancing costs ${blrbec_formatCurrencySimple(blrbec_loanData.refinancingCosts)}. Refinancing not beneficial.`; } else { interpretationMessage = "Monthly payment and costs are unchanged. No immediate financial impact."; } } else { interpretationMessage = `New monthly payment is ${blrbec_formatCurrencySimple(Math.abs(monthlySavings))} higher. Refinancing not beneficial.`; } const breakEvenDisplay = isFinite(breakEvenMonths) ? (breakEvenMonths === 0 ? "Immediate" : breakEvenMonths.toFixed(1) + " months") : (monthlySavings <= 0 && blrbec_loanData.refinancingCosts > 0 ? "Not Achievable" : (monthlySavings === 0 && blrbec_loanData.refinancingCosts === 0 ? "N/A" : "Not Beneficial")); doc.setFontSize(18); const primaryColorRGB = blrbec_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--blrbec-primary-color').trim()); const secondaryColorRGB = blrbec_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--blrbec-secondary-color').trim()); if (primaryColorRGB) doc.setTextColor(primaryColorRGB.r, primaryColorRGB.g, primaryColorRGB.b); else doc.setTextColor(0,90,156); doc.text("Business Loan Refinancing Break-Even Analysis", 105, 20, null, null, "center"); doc.setFontSize(12); doc.setTextColor(51, 51, 51); let startY = 35; const tableHeadFillColor = secondaryColorRGB ? [secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b] : [0,51,102]; // Section 1: Current Loan doc.setFontSize(14); if (secondaryColorRGB) doc.setTextColor(secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b); else doc.setTextColor(0,51,102); doc.text("Current Loan Information", 14, startY); startY += 7; doc.autoTable({ startY: startY, theme: 'grid', headStyles: { fillColor: tableHeadFillColor }, body: [ ["Outstanding Balance:", blrbec_formatCurrencySimple(blrbec_loanData.currentLoanBalance)], ["Annual Interest Rate:", `${blrbec_loanData.currentAnnualInterestRate.toFixed(2)}%`], ["Remaining Term:", `${blrbec_loanData.currentRemainingTermMonths} months`], ["Estimated Monthly Payment:", blrbec_formatCurrencySimple(blrbec_loanData.currentMonthlyPayment)], ], margin: { left: 14, right: 14 } }); startY = doc.autoTable.previous.finalY + 10; // Section 2: Refinance Offer doc.setFontSize(14); if (secondaryColorRGB) doc.setTextColor(secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b); else doc.setTextColor(0,51,102); doc.text("Refinance Offer & Costs", 14, startY); startY += 7; doc.autoTable({ startY: startY, theme: 'grid', headStyles: { fillColor: tableHeadFillColor }, body: [ ["New Annual Interest Rate:", `${blrbec_loanData.newAnnualInterestRate.toFixed(2)}%`], ["New Loan Term:", `${blrbec_loanData.newLoanTermMonths} months`], ["Total Refinancing Costs:", blrbec_formatCurrencySimple(blrbec_loanData.refinancingCosts)], ["Estimated New Monthly Payment:", blrbec_formatCurrencySimple(blrbec_loanData.newMonthlyPayment)], ], margin: { left: 14, right: 14 } }); startY = doc.autoTable.previous.finalY + 10; // Section 3: Break-Even Analysis doc.setFontSize(14); if (secondaryColorRGB) doc.setTextColor(secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b); else doc.setTextColor(0,51,102); doc.text("Break-Even Analysis", 14, startY); startY += 7; doc.autoTable({ startY: startY, theme: 'grid', headStyles: { fillColor: tableHeadFillColor }, body: [ ["Monthly Savings:", blrbec_formatCurrencySimple(monthlySavings)], ["Break-Even Point:", breakEvenDisplay], ], margin: { left: 14, right: 14 } }); startY = doc.autoTable.previous.finalY + 10; // Section 4: Interpretation doc.setFontSize(14); if (secondaryColorRGB) doc.setTextColor(secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b); else doc.setTextColor(0,51,102); doc.text("Interpretation", 14, startY); startY += 7; doc.setFontSize(11); doc.setTextColor(51,51,51); // Wrap text for interpretation message const splitInterpretation = doc.splitTextToSize(interpretationMessage, doc.internal.pageSize.width - 28); // 14 margin on each side doc.text(splitInterpretation, 14, startY); // startY += (splitInterpretation.length * (doc.getLineHeight() / doc.internal.scaleFactor)) + 5; // Approximate height doc.setFontSize(10); doc.setTextColor(150); doc.text(`Report generated on: ${new Date().toLocaleDateString()} ${new Date().toLocaleTimeString()}`, 14, doc.internal.pageSize.height - 10); doc.save("Loan_Refinancing_Break_Even_Analysis.pdf"); } window.blrbec_switchTab = blrbec_switchTab; window.blrbec_navigateToTab = blrbec_navigateToTab; window.blrbec_generatePdf = blrbec_generatePdf;