Please note: Extending your loan term typically lowers monthly payments but may result in paying more interest over the life of the loan. Conversely, shortening the term increases monthly payments but can save on total interest. Evaluate this change based on your financial goals and capacity.

`; this.elements.analysisOutput.innerHTML = outputHTML; this.elements.pdfDownloadContainer.style.display = 'block'; this.elements.analysisTabButton.disabled = false; this.navigateToNextTab(); }, downloadPdf: function() { try { // 1. Check if the main jsPDF library constructor is loaded on the window object if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF core) is not loaded. Please check your internet connection or contact support.'); console.error('window.jspdf or window.jspdf.jsPDF is not defined.'); return; } // 2. Instantiate jsPDF const { jsPDF: JSPDF_CONSTRUCTOR } = window.jspdf; // Rename to avoid conflict if jsPDF var is used elsewhere by mistake const doc = new JSPDF_CONSTRUCTOR(); // 3. Check if autoTable plugin is available on the instance if (typeof doc.autoTable !== 'function') { alert('PDF generation plugin (jsPDF-Autotable) is not correctly loaded or attached. Tables in PDF might be missing or malformed.'); console.error('doc.autoTable is not a function. Check jsPDF-Autotable CDN and version compatibility.'); return; } if (!this.calculatedData || Object.keys(this.calculatedData).length === 0) { alert('Error: Calculation data is missing or incomplete. Cannot generate PDF. Please try recalculating.'); console.error('PDF generation error: this.calculatedData is empty or undefined.'); return; } const data = this.calculatedData; if (typeof data.currentPrincipal === 'undefined' || typeof data.currentEMI === 'undefined') { alert('Error: Essential calculation data (like principal or EMI) is missing. PDF cannot be generated correctly.'); console.error('PDF Generation Error: Critical data missing from this.calculatedData', data); return; } const primaryColor = '#2a4365'; const accentColor = '#3182ce'; const textColor = '#3d4852'; const tableHeaderColor = accentColor; const lightBgColor = '#ebf8ff'; doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("Loan Restructuring Feasibility Report", 14, 22); doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Report Generated: ${new Date().toLocaleDateString('en-US', { year: 'numeric', month: 'long', day: 'numeric' })}`, 14, 30); let currentY = 40; const fNum = (num) => { if (typeof num !== 'number' || isNaN(num)) return 'N/A'; return num.toLocaleString(undefined, {minimumFractionDigits:2, maximumFractionDigits:2}); }; const fTerm = (months) => { if (typeof months !== 'number' || isNaN(months) || months < 0) return 'N/A'; return `${Math.floor(months/12)} yrs, ${months % 12} mths`; }; const addSection = (title, sectionData) => { doc.setFontSize(13); doc.setTextColor(primaryColor); doc.setFont(undefined, 'bold'); doc.text(title, 14, currentY); currentY += 7; doc.autoTable({ body: sectionData, startY: currentY, theme: 'grid', styles: {fontSize: 9, cellPadding: 2.5, textColor: textColor, font: 'helvetica'}, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 75, fillColor: lightBgColor }, 1: { halign: 'right', cellWidth: 'auto'} } }); currentY = doc.lastAutoTable.finalY + 8; }; addSection("Current Loan Status", [ ["Outstanding Principal:", `$${fNum(data.currentPrincipal)}`], ["Annual Interest Rate:", `${typeof data.currentAnnualRate === 'number' ? data.currentAnnualRate.toFixed(2) : 'N/A'}%`], ["Remaining Term:", fTerm(data.currentTotalMonths)], ["Est. Monthly Payment (EMI):", `$${fNum(data.currentEMI)}`], ["Total Interest Payable (Remaining):", `$${fNum(data.currentTotalInterest)}`] ]); addSection("Restructured Loan Projection", [ ["New Annual Interest Rate:", `${typeof data.newAnnualRate === 'number' ? data.newAnnualRate.toFixed(2) : 'N/A'}%`], ["New Total Term:", `${fTerm(data.newTotalMonths)} (Extended by ${fTerm(data.totalExtensionMonths)})`], ["Est. New Monthly Payment (EMI):", `$${fNum(data.newEMI)}`], ["Total Interest Payable (New Loan):", `$${fNum(data.newTotalInterest)}`] ]); let impactBody = [ ["Change in Monthly EMI:", `${data.monthlyEMIDifference < 0 ? 'Reduced by' : (data.monthlyEMIDifference > 0 ? 'Increased by' : 'No Change')} $${fNum(Math.abs(data.monthlyEMIDifference))}`], ["Additional Interest Due:", `${data.additionalInterestPaid > 0 ? 'Increased by' : (data.additionalInterestPaid < 0 ? 'Reduced by' : 'No Change')} $${fNum(Math.abs(data.additionalInterestPaid))}`], ["Restructuring Fee:", `$${fNum(data.restructuringFee)}`], ]; let totalCostText = ''; if (typeof data.totalCostOfRestructuring !== 'number' || isNaN(data.totalCostOfRestructuring)) { totalCostText = 'N/A'; } else if (data.totalCostOfRestructuring < 0) { totalCostText = `Net Saving of $${fNum(Math.abs(data.totalCostOfRestructuring))}`; } else if (data.totalCostOfRestructuring > 0) { totalCostText = `Net Cost of $${fNum(data.totalCostOfRestructuring)}`; } else { totalCostText = `No Net Cost/Saving $${fNum(0)}`; } impactBody.push(["Total Est. Cost/(Saving):", totalCostText]); addSection("Impact of Restructuring", impactBody); doc.setFontSize(9); doc.setTextColor('#4a5568'); const finalNote = "Please note: Extending your loan term typically lowers monthly payments but may result in paying more interest over the life of the loan. This calculator provides estimates based on your inputs and standard financial formulas. It does not constitute financial advice. Evaluate changes based on your specific financial goals and capacity."; const splitFinalNote = doc.splitTextToSize(finalNote, 180); // Adjust Y position for finalNote to prevent it from being too low or overlapping. let finalNoteY = currentY; if (finalNoteY > doc.internal.pageSize.height - 30) { // If currentY is already near the bottom finalNoteY = doc.internal.pageSize.height - 25; // Position it fixed from bottom if (doc.lastAutoTable.finalY > finalNoteY - (splitFinalNote.length * 5) ) { // Check if it overlaps previous table doc.addPage(); // Add new page if it will overlap finalNoteY = 20; // Reset Y to top of new page } } doc.text(splitFinalNote, 14, finalNoteY); doc.save("Loan_Restructuring_Analysis.pdf"); } catch (error) { console.error("PDF Generation Error:", error); alert("An error occurred while generating the PDF: " + error.message + "\nPlease check the console for more details (usually by pressing F12 in your browser)."); } } }; document.addEventListener('DOMContentLoaded', function() { lrfApp.init(); });