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"; return; } function formatCurrency(value) { const num = Number(value); if (isNaN(num)) return '$--'; return `$${num.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`; } function formatMonths(totalMonths) { if (isNaN(totalMonths) || totalMonths < 0) return "N/A"; return `${totalMonths} month${totalMonths !== 1 ? 's' : ''}`; } function calculateMonthlyPayment(principal, annualRatePercent, termMonths) { if (principal <= 0 || termMonths <= 0) return 0; const monthlyRate = annualRatePercent > 0 ? (annualRatePercent / 100) / 12 : 0; if (monthlyRate === 0) { return principal / termMonths; } const payment = principal * (monthlyRate * Math.pow(1 + monthlyRate, termMonths)) / (Math.pow(1 + monthlyRate, termMonths) - 1); return isNaN(payment) || !isFinite(payment) ? 0 : payment; } function updateUIForCurrentTab() { tabContents.forEach((content, index) => { content.classList.toggle('ldc-active', index === currentTabIndex); }); tabButtons.forEach((button, index) => { button.classList.toggle('ldc-active', index === currentTabIndex); }); prevTabBtn.classList.toggle('hidden', currentTabIndex === 0); const isFinalTab = currentTabIndex === TABS_CONFIG.length - 1; nextTabBtnOrCalc.classList.toggle('hidden', isFinalTab && impactResultsDisplayEl.style.display === 'block'); if (isFinalTab) { nextTabBtnOrCalc.textContent = 'Calculate Financial Impact'; nextTabBtnOrCalc.classList.add('ldc-calculate-impact-btn'); const tab1Valid = validateTab1Inputs(false); const tab2Valid = validateTab2Inputs(false); if(!tab1Valid || !tab2Valid || !originalLoanCalcs){ // Also ensure originalLoanCalcs is populated nextTabBtnOrCalc.disabled = true; nextTabBtnOrCalc.style.opacity = '0.6'; if (impactInstructionEl) impactInstructionEl.textContent = "Please complete previous tabs with valid information to enable calculation."; } else { nextTabBtnOrCalc.disabled = false; nextTabBtnOrCalc.style.opacity = '1'; if (impactInstructionEl && impactResultsDisplayEl.style.display === 'none') { // Only show instruction if results not yet shown impactInstructionEl.textContent = "Ensure details in Tab 1 & 2 are correct, then click 'Calculate Financial Impact'."; impactInstructionEl.style.display = 'block'; } } } else { nextTabBtnOrCalc.textContent = 'Next'; nextTabBtnOrCalc.classList.remove('ldc-calculate-impact-btn'); nextTabBtnOrCalc.disabled = false; nextTabBtnOrCalc.style.opacity = '1'; } } function validateTab1Inputs(showAlerts = true) { const balance = parseFloat(currentBalanceEl.value); const rate = parseFloat(currentRateEl.value); const months = parseInt(remainingMonthsEl.value); let isValid = true; if (isNaN(balance) || balance <= 0) { if(showAlerts) { alert("Current Loan: Please enter a valid outstanding balance."); currentBalanceEl.focus(); } isValid = false; } // Only proceed to next validation if previous was ok, and only focus if alerting if (isValid && (isNaN(rate) || rate < 0 || rate > 100)) { if(showAlerts) { alert("Current Loan: Please enter a valid interest rate (0-100)."); currentRateEl.focus(); } isValid = false; } if (isValid && (isNaN(months) || months <= 0)) { if(showAlerts) { alert("Current Loan: Please enter a valid number of remaining months."); remainingMonthsEl.focus(); } isValid = false; } return isValid; } function calculateAndDisplayCurrentLoanDetails(showAlertsOnExplicitAction = false) { // This function will try to calculate. It relies on validateTab1Inputs for actual validation. // showAlertsOnExplicitAction determines if validateTab1Inputs will show alerts. if (!validateTab1Inputs(showAlertsOnExplicitAction)) { currentLoanSummaryDisplayEl.style.display = 'none'; originalLoanCalcs = null; return false; // Indicate validation failed } // If validation passed (or wasn't forced to alert and was just checking) const balance = parseFloat(currentBalanceEl.value); const rate = parseFloat(currentRateEl.value); const months = parseInt(remainingMonthsEl.value); const monthlyPayment = calculateMonthlyPayment(balance, rate, months); const totalPayout = monthlyPayment > 0 && isFinite(monthlyPayment) ? monthlyPayment * months : (rate === 0 ? balance : Infinity); const interestRemaining = monthlyPayment > 0 && isFinite(monthlyPayment) ? totalPayout - balance : (rate === 0 ? 0 : Infinity); calcCurrentMonthlyPaymentEl.textContent = monthlyPayment > 0 && isFinite(monthlyPayment) ? formatCurrency(monthlyPayment) : "N/A"; calcCurrentPrincipalEl.textContent = formatCurrency(balance); calcCurrentInterestRemainingEl.textContent = isFinite(interestRemaining) ? formatCurrency(interestRemaining) : "N/A"; calcCurrentTotalPayoutEl.textContent = isFinite(totalPayout) ? formatCurrency(totalPayout) : "N/A"; currentLoanSummaryDisplayEl.style.display = 'block'; originalLoanCalcs = { balance: balance, rate: rate, termMonths: months, monthlyPayment: monthlyPayment, // Store calculated for consistency interestRemaining: isFinite(interestRemaining) ? interestRemaining : 0, totalPayout: isFinite(totalPayout) ? totalPayout : balance }; return true; // Indicate success } [currentBalanceEl, currentRateEl, remainingMonthsEl].forEach(el => el.addEventListener('input', () => { calculateAndDisplayCurrentLoanDetails(false); // Validate SILENTLY on input change impactResultsDisplayEl.style.display = 'none'; pdfDownloadBtn.style.display = 'none'; if(impactInstructionEl) impactInstructionEl.style.display = 'block'; // Show instruction again updateUIForCurrentTab(); })); function validateTab2Inputs(showAlerts = true) { const deferMonths = parseInt(defermentPeriodMonthsEl.value); const fee = parseFloat(defermentFeeEl.value); // Allow 0 let isValid = true; if (isNaN(deferMonths) || deferMonths <= 0) { if(showAlerts) { alert("Deferment Terms: Please enter a valid deferment period in months."); defermentPeriodMonthsEl.focus(); } isValid = false; } if (isValid && (isNaN(fee) || fee < 0)) { // Check fee only if previous was valid if(showAlerts) { alert("Deferment Terms: Deferment fee cannot be negative (can be 0)."); defermentFeeEl.focus(); } isValid = false; } return isValid; } [defermentPeriodMonthsEl, defermentFeeEl, interestSubsidizedYesEl, document.getElementById('ldcInterestSubsidizedNo')].forEach(el => el.addEventListener('input', () => { updateUIForCurrentTab(); })); nextTabBtnOrCalc.addEventListener('click', function() { if (this.classList.contains('ldc-calculate-impact-btn')) { if (!calculateAndDisplayCurrentLoanDetails(true) || !validateTab2Inputs(true)) { if (!originalLoanCalcs) { alert("Please ensure all current loan details are correctly entered before calculating impact."); } return; } if (!originalLoanCalcs) { alert("Failed to calculate original loan details. Please check inputs on Tab 1."); return; } const deferMonths = parseInt(defermentPeriodMonthsEl.value); const isSubsidized = interestSubsidizedYesEl.checked; const fee = parseFloat(defermentFeeEl.value) || 0; let accruedInterestDuringDeferment = 0; let capitalizedInterest = 0; let balanceAfterDeferment = originalLoanCalcs.balance; const monthlyRate = originalLoanCalcs.rate > 0 ? (originalLoanCalcs.rate / 100) / 12 : 0; if (!isSubsidized && monthlyRate > 0 && originalLoanCalcs.balance > 0) { let tempBalance = originalLoanCalcs.balance; for (let i = 0; i < deferMonths; i++) { const interestThisDeferMonth = tempBalance * monthlyRate; accruedInterestDuringDeferment += interestThisDeferMonth; tempBalance += interestThisDeferMonth; } capitalizedInterest = accruedInterestDuringDeferment; balanceAfterDeferment += capitalizedInterest; } const newMonthlyPaymentPostDeferment = calculateMonthlyPayment(balanceAfterDeferment, originalLoanCalcs.rate, originalLoanCalcs.termMonths); const newTotalPayoutPostDeferment = newMonthlyPaymentPostDeferment > 0 && isFinite(newMonthlyPaymentPostDeferment) ? newMonthlyPaymentPostDeferment * originalLoanCalcs.termMonths : (originalLoanCalcs.rate === 0 ? balanceAfterDeferment : Infinity); const newTotalInterestPostDeferment = newMonthlyPaymentPostDeferment > 0 && isFinite(newMonthlyPaymentPostDeferment) ? newTotalPayoutPostDeferment - balanceAfterDeferment : (originalLoanCalcs.rate === 0 ? 0 : Infinity); const totalInterestPaidInModifiedScenario = capitalizedInterest + newTotalInterestPostDeferment; const additionalInterestPaid = totalInterestPaidInModifiedScenario - originalLoanCalcs.interestRemaining; const totalCostOfDeferment = additionalInterestPaid + fee; resInterestAccruedEl.textContent = formatCurrency(accruedInterestDuringDeferment); resCapitalizedInterestEl.textContent = formatCurrency(capitalizedInterest); resNewBalanceEl.textContent = formatCurrency(balanceAfterDeferment); resOrigMonthlyPaymentEl.textContent = formatCurrency(originalLoanCalcs.monthlyPayment); resNewMonthlyPaymentEl.textContent = newMonthlyPaymentPostDeferment > 0 && isFinite(newMonthlyPaymentPostDeferment) ? formatCurrency(newMonthlyPaymentPostDeferment) : "N/A"; const changeInMonthlyPayment = (newMonthlyPaymentPostDeferment > 0 && isFinite(newMonthlyPaymentPostDeferment) && originalLoanCalcs.monthlyPayment > 0 && isFinite(originalLoanCalcs.monthlyPayment)) ? newMonthlyPaymentPostDeferment - originalLoanCalcs.monthlyPayment : 0; resChangeMonthlyPaymentEl.textContent = `${changeInMonthlyPayment >= 0 ? '+' : ''}${formatCurrency(changeInMonthlyPayment)}`; resChangeMonthlyPaymentEl.className = `value ${changeInMonthlyPayment > 0.005 ? 'negative' : (changeInMonthlyPayment < -0.005 ? 'positive' : '')}`; resAdditionalInterestEl.textContent = formatCurrency(additionalInterestPaid); resDefermentFeeEl.textContent = formatCurrency(fee); resTotalDefermentCostEl.textContent = formatCurrency(totalCostOfDeferment); resTermExtensionEl.textContent = formatMonths(deferMonths); if(impactInstructionEl) impactInstructionEl.style.display = 'none'; impactResultsDisplayEl.style.display = 'block'; pdfDownloadBtn.style.display = 'block'; nextTabBtnOrCalc.classList.add('hidden'); modifiedLoanCalcs = { deferMonths, isSubsidized, fee, accruedInterestDuringDeferment, capitalizedInterest, balanceAfterDeferment, newMonthlyPaymentPostDeferment, additionalInterestPaid, totalCostOfDeferment }; } else { // "Next" button behavior let canProceed = true; if (currentTabIndex === 0) { canProceed = calculateAndDisplayCurrentLoanDetails(true); // Validate Tab 1 with alerts } else if (currentTabIndex === 1) { canProceed = validateTab2Inputs(true); // Validate Tab 2 with alerts } if (canProceed && currentTabIndex < TABS_CONFIG.length - 1) { currentTabIndex++; updateUIForCurrentTab(); } } }); prevTabBtn.addEventListener('click', function() { if (currentTabIndex > 0) { currentTabIndex--; updateUIForCurrentTab(); if (currentTabIndex < TABS_CONFIG.length -1 && impactInstructionEl && impactResultsDisplayEl.style.display === 'none') { impactInstructionEl.style.display = 'block'; } } }); pdfDownloadBtn.addEventListener('click', function() { if (!originalLoanCalcs || !modifiedLoanCalcs || impactResultsDisplayEl.style.display === 'none') { alert("Please calculate the deferment impact first."); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert("Error: Core PDF library (jsPDF) is not loaded."); console.error("jsPDF core not available."); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF("p", "mm", "a4"); try { let yPos = 15; const lineH = 7; const margin = 15; const pageWidth = doc.internal.pageSize.getWidth(); const contentWidth = pageWidth - (2 * margin); function addTitlePdf(text) { doc.setFontSize(16).setFont(undefined,'bold').text(text, pageWidth/2, yPos, {align:'center'}); yPos+=lineH*1.5; } function addSectionPdf(text) { doc.setFontSize(12).setFont(undefined,'bold').setTextColor(0,105,217).text(text, margin, yPos); yPos+=lineH*1.2; doc.setTextColor(0,0,0); } function addItemPdf(label, value, valueClass = '') { doc.setFontSize(10).setFont(undefined,'normal').text(label, margin + 2, yPos); doc.setFont(undefined,'bold'); if (valueClass === 'negative') doc.setTextColor(220, 53, 69); else if (valueClass === 'positive') doc.setTextColor(40, 167, 69); else doc.setTextColor(0,0,0); const labelWidth = doc.getStringUnitWidth(label) * (doc.getFontSize() / doc.internal.scaleFactor); // Corrected font size usage const valueXPos = margin + 2 + labelWidth + 15; // Adjusted spacing, ensure it's enough const availableWidthForValue = contentWidth - (valueXPos - margin) -2; // Max width for value const splitValue = doc.splitTextToSize(String(value), availableWidthForValue); doc.text(splitValue, valueXPos , yPos, {align: 'left'}); doc.setTextColor(0,0,0); yPos+= (splitValue.length * lineH * 0.9); // Adjust yPos based on lines if (yPos > 270 && splitValue.length >1) { doc.addPage(); yPos = 15; } // Simplified page break check } addTitlePdf("Loan Deferment Cost Estimate Report"); yPos += lineH*0.5; addSectionPdf("Current Loan Snapshot (Before Deferment):"); addItemPdf("Outstanding Balance:", formatCurrency(originalLoanCalcs.balance)); addItemPdf("Annual Interest Rate:", `${originalLoanCalcs.rate}%`); addItemPdf("Remaining Term:", formatMonths(originalLoanCalcs.termMonths)); addItemPdf("Est. Monthly Payment:", formatCurrency(originalLoanCalcs.monthlyPayment)); addItemPdf("Est. Total Interest Remaining:", formatCurrency(originalLoanCalcs.interestRemaining)); yPos += lineH*0.5; addSectionPdf("Deferment Details:"); addItemPdf("Deferment Period:", formatMonths(modifiedLoanCalcs.deferMonths)); addItemPdf("Interest Subsidized:", modifiedLoanCalcs.isSubsidized ? "Yes" : "No"); addItemPdf("Deferment Fee:", formatCurrency(modifiedLoanCalcs.fee)); yPos += lineH*0.5; addSectionPdf("Estimated Impact of Deferment:"); addItemPdf("Interest Accrued During Deferment:", formatCurrency(modifiedLoanCalcs.accruedInterestDuringDeferment)); addItemPdf("Capitalized Interest:", formatCurrency(modifiedLoanCalcs.capitalizedInterest)); addItemPdf("New Balance After Deferment:", formatCurrency(modifiedLoanCalcs.balanceAfterDeferment)); addItemPdf("New Est. Monthly Payment:", formatCurrency(modifiedLoanCalcs.newMonthlyPaymentPostDeferment)); const changeMonthly = modifiedLoanCalcs.newMonthlyPaymentPostDeferment - originalLoanCalcs.monthlyPayment; addItemPdf("Change in Monthly Payment:", `${changeMonthly >=0 ? '+' : ''}${formatCurrency(changeMonthly)}`, changeMonthly > 0.005 ? 'negative' : (changeMonthly < -0.005 ? 'positive' : '')); addItemPdf("Additional Interest Paid:", formatCurrency(modifiedLoanCalcs.additionalInterestPaid), 'negative'); doc.setFontSize(11).setFont(undefined,'bold'); const totalCostText = `Total Estimated Cost of Deferment: ${formatCurrency(modifiedLoanCalcs.totalCostOfDeferment)}`; const costColor = modifiedLoanCalcs.totalCostOfDeferment > 0 ? [220, 53, 69] : [40, 167, 69]; doc.setTextColor(costColor[0], costColor[1], costColor[2]); doc.text(totalCostText, margin, yPos); yPos+=lineH; doc.setTextColor(0,0,0); doc.setFontSize(10).setFont(undefined,'normal'); doc.text(`Loan payoff will be extended by approx. ${formatMonths(modifiedLoanCalcs.deferMonths)}.`, margin, yPos); yPos+=lineH*1.5; doc.setFontSize(8).setFont(undefined,'normal'); const disclaimerText = document.querySelector('#loanDefermentCostEstimatorTool .important-note-ldc').innerText.replace("Important: ", "").trim(); const disclaimerLines = doc.splitTextToSize(disclaimerText, contentWidth); if (yPos + (disclaimerLines.length * lineH * 0.7) + 6 > 280 && disclaimerLines.length > 0) { doc.addPage(); yPos = 15; } doc.setDrawColor(220,220,220); doc.setFillColor(241,243,245); doc.rect(margin, yPos -3 , contentWidth, (disclaimerLines.length * lineH * 0.6) + 6 , 'FD'); doc.setTextColor(80,80,80).text(disclaimerLines, margin+2, yPos+2); doc.save("Loan_Deferment_Cost_Estimate.pdf"); } catch (error) { console.error("Error during PDF generation:", error); alert("An unexpected error occurred while generating the PDF. Please check the console. Error: " + error.message); } }); // Initialize updateUIForCurrentTab(); if (currentBalanceEl.value && currentRateEl.value && remainingMonthsEl.value) { calculateAndDisplayCurrentLoanDetails(false); } });