Error: Tool components missing.

"; return; } if (this.elements.downloadPdfButton) { this.elements.downloadPdfButton.addEventListener('click', this.downloadPdf.bind(this)); } }, _validateInput: function(element, isRequired = true, minVal = 0) { // Standard validation logic if (!element) return true; element.classList.remove('error'); const errorContainer = element.closest('.fre-form-group') || element.parentNode; const existingErrorMsg = errorContainer.querySelector('.fre-error-message'); if (existingErrorMsg) existingErrorMsg.remove(); const valueStr = element.value.trim(); if (isRequired && valueStr === '') { this._addErrorMessage(element, 'This field is required.'); return false; } if (valueStr === '' && !isRequired) return true; const value = parseFloat(valueStr); let errorMsgText = ''; if (isNaN(value)) errorMsgText = 'Please enter a valid number.'; else if (value < minVal) errorMsgText = `Value must be at least ${minVal}.`; if (errorMsgText !== '') { this._addErrorMessage(element, errorMsgText); return false; } return true; }, _addErrorMessage: function(element, message) { /* Standard _addErrorMessage */ element.classList.add('error'); const errorMsgEl = document.createElement('p'); errorMsgEl.className = 'fre-error-message'; errorMsgEl.textContent = message; let parent = element.closest('.fre-form-group') || element.parentNode; parent.appendChild(errorMsgEl); }, openTab: function(event, tabName) { /* Standard openTab */ if (!this.elements.tabContents || !this.elements.tabLinks) return; this.elements.tabContents.forEach(tc => tc.style.display = "none"); this.elements.tabLinks.forEach(tl => tl.classList.remove("active")); const selectedTabContent = document.getElementById(tabName); if (selectedTabContent) selectedTabContent.style.display = "block"; const buttonToActivate = event ? event.currentTarget : Array.from(this.elements.tabLinks).find(btn => btn.getAttribute('onclick').includes(tabName)); if (buttonToActivate) buttonToActivate.classList.add("active"); }, navigateToTab: function(tabName, buttonIdKey) { /* Standard navigateToTab */ this.openTab(null, tabName); const buttonElement = this.elements[buttonIdKey]; if (buttonElement) { this.elements.tabLinks.forEach(tl => tl.classList.remove("active")); buttonElement.classList.add("active"); } }, validateAndNavigate: function(currentTabId, nextTabId, nextTabButtonIdKey, requiredFieldIds) { let allValid = true; requiredFieldIds.forEach(id => { const field = this.elements[id]; if (field) { let min = (id === 'freMonthlyGrossIncome') ? 1 : 0; allValid = this._validateInput(field, true, min) && allValid; } else { console.warn(`Validation: Field ${id} not found in elements map.`); } }); // Also validate non-required debt/savings fields if they have values ['totalOtherMonthlyDebtPayments', 'liquidSavingsAmount'].forEach(id => { const field = this.elements[id]; if (field && field.value.trim() !== '') { allValid = this._validateInput(field, false, 0) && allValid; } }); const nextTabButton = this.elements[nextTabButtonIdKey]; if (allValid) { if (nextTabButton) nextTabButton.disabled = false; this.navigateToTab(nextTabId, nextTabButtonIdKey); } else { if (nextTabButton) nextTabButton.disabled = true; const currentTabButtonIdKey = currentTabId.replace('Tab', 'TabButton'); // e.g. FreFinancialsTab -> financialsTabButton this.navigateToTab(currentTabId, currentTabButtonIdKey); } }, estimateStress: function() { // Validate Tab 2 (Current Status) - though select fields are always "valid" with a selection // For robustness, we could check if a default "select" option is still chosen if we had one. Here, default is first option. // Re-validate Tab 1 let financialsValid = ['freMonthlyGrossIncome', 'freTotalMonthlyHousingPayment'].every(id => this._validateInput(this.elements[id])); ['totalOtherMonthlyDebtPayments', 'liquidSavingsAmount'].forEach(id => { const field = this.elements[id]; if (field && field.value.trim() !== '') { financialsValid = this._validateInput(field, false, 0) && financialsValid; } }); if (!financialsValid) { if (this.elements.stressAnalysisTabButton) this.elements.stressAnalysisTabButton.disabled = true; if (this.elements.analysisOutput) this.elements.analysisOutput.innerHTML = '

Please correct errors in Financial Situation.

'; this.navigateToTab('FreFinancialsTab', 'financialsTabButton'); return; } const grossIncome = parseFloat(this.elements.monthlyGrossIncome.value); const housingPayment = parseFloat(this.elements.totalMonthlyHousingPayment.value); const otherDebts = parseFloat(this.elements.totalOtherMonthlyDebtPayments.value) || 0; const savings = parseFloat(this.elements.liquidSavingsAmount.value) || 0; const paymentsBehindStatus = this.elements.paymentsBehind.value; const incomeLossStatus = this.elements.recentIncomeLoss.value; let score = 0; // Calculate Front-End DTI (Housing Cost Ratio) const frontEndDTI = grossIncome > 0 ? (housingPayment / grossIncome) * 100 : Infinity; let frontEndDTIText = ""; if (frontEndDTI <= 28) { frontEndDTIText = "Comfortable (<28%)"; } else if (frontEndDTI <= 36) { frontEndDTIText = "Manageable (28-36%)"; score += 2; } else if (frontEndDTI <= 43) { frontEndDTIText = "Stretched (37-43%)"; score += 5; } else { frontEndDTIText = "High Burden (>43%)"; score += 10; } // Calculate Back-End DTI (Total Debt Ratio) const totalMonthlyDebts = housingPayment + otherDebts; const backEndDTI = grossIncome > 0 ? (totalMonthlyDebts / grossIncome) * 100 : Infinity; let backEndDTIText = ""; if (backEndDTI <= 36) { backEndDTIText = "Healthy (<36%)"; } else if (backEndDTI <= 43) { backEndDTIText = "Manageable (36-43%)"; score += 3; } else if (backEndDTI <= 50) { backEndDTIText = "Concerning (44-50%)"; score += 7; } else { backEndDTIText = "High (>50%)"; score += 15; } // Calculate Savings Buffer const savingsBufferMonths = housingPayment > 0 ? savings / housingPayment : Infinity; let savingsBufferText = ""; if (savingsBufferMonths >= 6) { savingsBufferText = "Adequate (6+ months)"; } else if (savingsBufferMonths >= 3) { savingsBufferText = "Fair (3-5 months)"; score += 3; } else if (savingsBufferMonths >= 1) { savingsBufferText = "Low (1-2 months)"; score += 7; } else { savingsBufferText = "Very Low (<1 month)"; score += 15; } // Score for Payments Behind if (paymentsBehindStatus === 'yes_1') score += 5; else if (paymentsBehindStatus === 'yes_2') score += 10; else if (paymentsBehindStatus === 'yes_3_plus') score += 25; // Higher penalty // Score for Income Loss if (incomeLossStatus === 'yes_minor') score += 5; else if (incomeLossStatus === 'yes_significant') score += 15; let overallStressLevel = ""; let stressClass = ""; let considerations = []; if (score <= 10) { overallStressLevel = "Low Financial Stress Indicated"; stressClass = "fre-stress-low"; considerations.push("Your current financial indicators appear relatively stable based on the inputs."); if(backEndDTI > 36 && backEndDTI <=43) considerations.push("Monitor your overall debt (Back-End DTI) to maintain this stability."); if(savingsBufferMonths < 6 && savingsBufferMonths >=3) considerations.push("Consider gradually increasing your emergency savings for a stronger buffer."); } else if (score <= 25) { overallStressLevel = "Moderate Financial Stress Indicated"; stressClass = "fre-stress-moderate"; considerations.push("Your inputs suggest some areas of financial pressure. Reviewing your budget and debt management strategies may be beneficial."); if(backEndDTI > 43) considerations.push("Your Back-End DTI is elevated; explore ways to reduce non-housing debts if possible."); if(savingsBufferMonths < 3) considerations.push("Your savings buffer is low; prioritizing building an emergency fund is recommended."); if(paymentsBehindStatus !== 'no') considerations.push("Being behind on payments is a significant concern; contact your lender immediately to discuss options."); if(incomeLossStatus !== 'no') considerations.push("Recent income loss can strain finances; adjust your budget and explore income recovery options."); } else { // score > 25 overallStressLevel = "High Financial Stress Indicated"; stressClass = "fre-stress-high"; considerations.push("The information provided indicates significant financial stress, which could increase the risk of difficulty with mortgage payments. Prompt action is advisable."); if(paymentsBehindStatus !== 'no') considerations.push("Being behind on payments requires immediate attention. Contact your lender or a housing counselor without delay."); else considerations.push("Even if current on payments, your DTI ratios and/or savings buffer suggest a vulnerable financial position."); considerations.push("It is strongly recommended to seek advice from a non-profit credit counseling agency or a financial advisor."); considerations.push("Explore all options to reduce expenses, manage debts, and/or increase income."); } this.calculatedData = { grossIncome, housingPayment, otherDebts, savings, paymentsBehindStatus, incomeLossStatus, frontEndDTI, frontEndDTIText, backEndDTI, backEndDTIText, savingsBufferMonths, savingsBufferText, score, overallStressLevel, stressClass, considerations }; const fNum = (num, dec=1) => (typeof num !== 'number' || isNaN(num) || !isFinite(num)) ? 'N/A' : num.toLocaleString(undefined, {minimumFractionDigits:dec, maximumFractionDigits:dec}); let outputHTML = `

Financial Indicators

Front-End DTI (Housing Costs to Income): ${fNum(frontEndDTI)}% (${frontEndDTIText})

Back-End DTI (Total Debts to Income): ${fNum(backEndDTI)}% (${backEndDTIText})

Savings Buffer (covers housing payments for): ${savingsBufferMonths === Infinity ? 'N/A (no housing payment)' : fNum(savingsBufferMonths) + ' months'} (${savingsBufferText})

${paymentsBehindStatus !== 'no' ? `

Payment Status: Currently ${paymentsBehindStatus.replace('yes_','').replace('_plus','+')} month(s) behind

` : ''} ${incomeLossStatus !== 'no' ? `

Recent Income Loss: ${incomeLossStatus.replace('yes_','')}

` : ''} `; this.elements.analysisOutput.innerHTML = outputHTML; if(this.elements.pdfDownloadContainer) this.elements.pdfDownloadContainer.style.display = 'block'; this.navigateToTab('FreStressAnalysisTab', 'stressAnalysisTabButton'); }, downloadPdf: function() { try { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF core) is not loaded.'); return; } const { jsPDF: JSPDF_CONSTRUCTOR } = window.jspdf; const doc = new JSPDF_CONSTRUCTOR(); if (typeof doc.autoTable !== 'function' && this.calculatedData.considerations && this.calculatedData.considerations.length > 0) { // Only check autotable if we might use it // For this PDF, autoTable might be overkill, simple text may suffice. // If we use it for considerations: // alert('PDF generation plugin (jsPDF-Autotable) is not loaded.'); return; } if (!this.calculatedData || Object.keys(this.calculatedData).length === 0) { alert('Error: Calculation data missing for PDF.'); return; } const data = this.calculatedData; if (typeof data.frontEndDTI === 'undefined') { alert('Error: Essential calculation data missing for PDF.'); return; } const primaryColor = '#5c4b99'; const textColor = '#414042'; const fNum = (num, dec=1) => (typeof num !== 'number' || isNaN(num) || !isFinite(num)) ? 'N/A' : num.toLocaleString(undefined, {minimumFractionDigits:dec, maximumFractionDigits:dec}); doc.setFontSize(16); doc.setTextColor(primaryColor); doc.text("Financial Stress Indication Summary", 14, 22); doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Report Generated: ${new Date().toLocaleDateString('en-US', {year:'numeric', month:'long', day:'numeric'})}`, 14, 30); let currentY = 45; const addLine = (label, value, color = textColor) => { doc.setFont(undefined, 'bold'); doc.setTextColor(textColor); doc.text(label, 14, currentY); doc.setFont(undefined, 'normal'); doc.setTextColor(color); doc.text(value, 85, currentY); currentY += 7; }; const addSubHeader = (text) => { doc.setFontSize(12); doc.setFont(undefined, 'bold'); doc.setTextColor(primaryColor); doc.text(text, 14, currentY); currentY += 8; doc.setFontSize(10); doc.setFont(undefined, 'normal'); doc.setTextColor(textColor); }; addSubHeader("Input Financial Snapshot:"); addLine("Gross Monthly Income:", `$${fNum(data.grossIncome,0)}`); addLine("Total Monthly Housing Payment:", `$${fNum(data.housingPayment,0)}`); addLine("Other Monthly Debts:", `$${fNum(data.otherDebts,0)}`); addLine("Liquid Savings:", `$${fNum(data.savings,0)}`); currentY +=3; addSubHeader("Calculated Indicators:"); addLine("Front-End DTI:", `${fNum(data.frontEndDTI)}% (${data.frontEndDTIText})`); addLine("Back-End DTI:", `${fNum(data.backEndDTI)}% (${data.backEndDTIText})`); addLine("Savings Buffer:", `${data.savingsBufferMonths === Infinity ? 'N/A' : fNum(data.savingsBufferMonths) + ' months'} (${data.savingsBufferText})`); if (data.paymentsBehindStatus !== 'no') addLine("Payment Status:", data.paymentsBehindStatus.replace('yes_','').replace('_plus','+') + " month(s) behind", '#c0392b'); if (data.incomeLossStatus !== 'no') addLine("Recent Income Loss:", data.incomeLossStatus.replace('yes_',''), '#dd6b20'); currentY += 5; doc.setFontSize(12); doc.setFont(undefined, 'bold'); let stressColor = textColor; if (data.stressClass === "fre-stress-low") stressColor = '#2e856e'; else if (data.stressClass === "fre-stress-moderate") stressColor = '#d68910'; else if (data.stressClass === "fre-stress-high") stressColor = '#c0392b'; doc.setTextColor(stressColor); doc.text(`Overall Indication: ${data.overallStressLevel}`, 14, currentY); currentY += 10; doc.setTextColor(textColor); addSubHeader("General Considerations:"); doc.setFontSize(9); data.considerations.forEach(item => { const splitItem = doc.splitTextToSize(`• ${item}`, doc.internal.pageSize.width - 28 - 14); if (currentY + splitItem.length * 5 > doc.internal.pageSize.height - 30) { doc.addPage(); currentY = 20; } doc.text(splitItem, 14, currentY); currentY += splitItem.length * 5; }); currentY += 5; doc.setFontSize(8); doc.setTextColor('#6d6875'); const finalNote = "IMPORTANT: This tool provides an estimation of financial stress indicators based on your inputs. It is not financial advice and does not predict foreclosure, which is a complex legal process. Actual risk depends on many individual factors and local regulations. If you have concerns about your mortgage or financial situation, please contact your lender, a HUD-approved housing counselor (in the US), or a qualified financial advisor promptly for personalized assistance."; const splitFinalNote = doc.splitTextToSize(finalNote, doc.internal.pageSize.width - 28); if (currentY + splitFinalNote.length * 4 > doc.internal.pageSize.height - 15) { doc.addPage(); currentY = 20; } doc.text(splitFinalNote, 14, currentY); doc.save("Financial_Stress_Indicator_Summary.pdf"); } catch (error) { console.error("PDF Generation Error:", error); alert("An error occurred while generating the PDF: " + error.message + "\nPlease check the console (F12)."); } } }; document.addEventListener('DOMContentLoaded', function() { freApp.init(); });