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"; } return; } function formatCurrency(value) { return `$${value.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`; } calculateBtn.addEventListener('click', function() { const monthlyLoan = parseFloat(monthlyLoanPaymentEl.value); const termYears = parseInt(loanTermYearsEl.value); const monthlyInsuranceUnbundled = parseFloat(monthlyInsuranceUnbundledEl.value); const discountPercentage = parseFloat(insuranceDiscountPercentageEl.value); let isValid = true; if (isNaN(monthlyLoan) || monthlyLoan < 0) { alert("Please enter a valid monthly loan payment."); monthlyLoanPaymentEl.focus(); isValid = false; } if (isNaN(termYears) || termYears <= 0) { alert("Please select a valid loan term."); loanTermYearsEl.focus(); isValid = false; } if (isNaN(monthlyInsuranceUnbundled) || monthlyInsuranceUnbundled < 0) { alert("Please enter a valid unbundled monthly insurance premium."); monthlyInsuranceUnbundledEl.focus(); isValid = false; } if (isNaN(discountPercentage) || discountPercentage < 0 || discountPercentage > 100) { alert("Please enter a valid insurance discount percentage (0-100)."); insuranceDiscountPercentageEl.focus(); isValid = false; } if (!isValid) { resultsSectionEl.style.display = 'none'; return; } const termMonths = termYears * 12; // Unbundled Calculations const totalLoanUnbundled = monthlyLoan * termMonths; const totalInsuranceUnbundled = monthlyInsuranceUnbundled * termMonths; const overallTotalUnbundled = totalLoanUnbundled + totalInsuranceUnbundled; const totalMonthlyUnbundled = monthlyLoan + monthlyInsuranceUnbundled; resMonthlyLoanUnbundledEl.textContent = formatCurrency(monthlyLoan); resMonthlyInsuranceUnbundledEl.textContent = formatCurrency(monthlyInsuranceUnbundled); resTotalMonthlyUnbundledEl.textContent = formatCurrency(totalMonthlyUnbundled); resTotalLoanUnbundledEl.textContent = formatCurrency(totalLoanUnbundled); resTotalInsuranceUnbundledEl.textContent = formatCurrency(totalInsuranceUnbundled); resOverallTotalUnbundledEl.textContent = formatCurrency(overallTotalUnbundled); // Bundled Calculations const insuranceDiscountAmount = monthlyInsuranceUnbundled * (discountPercentage / 100); const monthlyInsuranceBundled = monthlyInsuranceUnbundled - insuranceDiscountAmount; const totalInsuranceBundled = monthlyInsuranceBundled * termMonths; const totalLoanBundled = totalLoanUnbundled; // Loan cost assumed unchanged const overallTotalBundled = totalLoanBundled + totalInsuranceBundled; const totalMonthlyBundled = monthlyLoan + monthlyInsuranceBundled; resMonthlyLoanBundledEl.textContent = formatCurrency(monthlyLoan); resMonthlyInsuranceBundledEl.textContent = formatCurrency(monthlyInsuranceBundled); resTotalMonthlyBundledEl.textContent = formatCurrency(totalMonthlyBundled); resTotalLoanBundledEl.textContent = formatCurrency(totalLoanBundled); resTotalInsuranceBundledEl.textContent = formatCurrency(totalInsuranceBundled); resOverallTotalBundledEl.textContent = formatCurrency(overallTotalBundled); // Savings Calculations const monthlySavings = totalMonthlyUnbundled - totalMonthlyBundled; const annualSavings = monthlySavings * 12; const totalSavingsTerm = overallTotalUnbundled - overallTotalBundled; resMonthlySavingsEl.textContent = formatCurrency(monthlySavings); resAnnualSavingsEl.textContent = formatCurrency(annualSavings); resTotalSavingsTermEl.textContent = formatCurrency(totalSavingsTerm); resultsSectionEl.style.display = 'block'; }); pdfDownloadBtn.addEventListener('click', function() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert("Error: PDF generation library (jsPDF) is not loaded. Please ensure you are connected to the internet or try again later."); console.error("jsPDF is not available."); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF("p", "mm", "a4"); if (resultsSectionEl.style.display === 'none') { alert("Please calculate the estimate first before downloading the PDF."); return; } const termYears = parseInt(loanTermYearsEl.value); let yPos = 15; const lineH = 7; // line height const margin = 15; const pageWidth = doc.internal.pageSize.getWidth(); const contentWidth = pageWidth - (2 * margin); function addTitle(text) { doc.setFontSize(16); doc.setFont(undefined, 'bold'); doc.text(text, pageWidth / 2, yPos, { align: 'center' }); yPos += lineH * 1.5; } function addSubTitle(text) { doc.setFontSize(10); doc.setFont(undefined, 'normal'); doc.text(text, pageWidth / 2, yPos, { align: 'center' }); yPos += lineH * 1.5; } function addSectionTitle(text) { doc.setFontSize(12); doc.setFont(undefined, 'bold'); doc.text(text, margin, yPos); yPos += lineH * 1.2; } function addLineItem(label, value, isBoldValue = false, valueColor = [0,0,0]) { doc.setFontSize(10); doc.setFont(undefined, 'normal'); doc.text(label, margin + 5, yPos); doc.setFont(undefined, isBoldValue ? 'bold' : 'normal'); doc.setTextColor(valueColor[0], valueColor[1], valueColor[2]); doc.text(value, margin + 85, yPos); // Adjust x-pos for value alignment doc.setTextColor(0,0,0); // Reset color yPos += lineH * 0.9; } function addSeparator() { yPos += lineH * 0.3; doc.setDrawColor(200, 200, 200); doc.line(margin, yPos, pageWidth - margin, yPos); yPos += lineH * 0.7; } addTitle("Auto Loan & Insurance Bundling Savings Report"); addSubTitle("Estimated potential savings from bundling."); yPos += lineH; addSectionTitle("Your Inputs:"); addLineItem("Monthly Loan Payment:", resMonthlyLoanUnbundledEl.textContent); addLineItem("Loan Term:", `${termYears} Years`); addLineItem("Unbundled Monthly Insurance:", resMonthlyInsuranceUnbundledEl.textContent); addLineItem("Assumed Insurance Discount:", `${insuranceDiscountPercentageEl.value}%`); yPos += lineH * 0.5; addSectionTitle("Unbundled Costs (Estimated):"); addLineItem("Total Monthly Payment:", resTotalMonthlyUnbundledEl.textContent, true); addLineItem("Total Cost Over Term:", resOverallTotalUnbundledEl.textContent, true); yPos += lineH * 0.5; addSectionTitle("Bundled Costs (Estimated):"); addLineItem("Estimated Discounted Monthly Insurance:", resMonthlyInsuranceBundledEl.textContent); addLineItem("Estimated Total Monthly Payment:", resTotalMonthlyBundledEl.textContent, true); addLineItem("Estimated Total Cost Over Term:", resOverallTotalBundledEl.textContent, true); yPos += lineH * 0.5; addSectionTitle("Potential Savings Summary:"); const savingsColor = [40, 167, 69]; // Green addLineItem("Estimated Monthly Savings:", resMonthlySavingsEl.textContent, true, savingsColor); addLineItem("Estimated Annual Savings:", resAnnualSavingsEl.textContent, true, savingsColor); addLineItem("Estimated Total Savings (Over Term):", resTotalSavingsTermEl.textContent, true, savingsColor); yPos += lineH; doc.setFontSize(8); doc.setFont(undefined, 'normal'); const disclaimerText = document.querySelector('#bundlingSavingsEstimatorTool .important-note-bse').innerText.replace("Disclaimer: ", "").trim(); const disclaimerLines = doc.splitTextToSize(disclaimerText, contentWidth); const rectY = yPos -2; const rectHeight = (disclaimerLines.length * (doc.getFontSize("normal", 8) * doc.getLineHeightFactor())) + 6; doc.setDrawColor(220, 220, 220); doc.rect(margin, rectY -1 , contentWidth, rectHeight +1 , 'S'); doc.setTextColor(80,80,80); doc.text(disclaimerLines, margin + 2, yPos + 2); doc.save("bundling-savings-estimate.pdf"); }); });