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"; } }); function formatCurrencyNLP(value, showNegativeSign = true) { const num = Number(value); if (isNaN(num)) return "0.00"; let prefix = num < 0 && showNegativeSign ? "-$" : "$"; return prefix + Math.abs(num).toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); } function calculateNlpMonthlyPaymentHelper(principal, termMonths, annualRate) { if (principal <= 0 || termMonths <= 0) return 0; let safeAnnualRate = Math.max(0, annualRate); // Ensure rate is not negative const monthlyRate = safeAnnualRate / 12 / 100; 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 calculateNlpComparison() { const newPrice = parseFloat(newPriceInNLP.value); const newDP = parseFloat(newDpInNLP.value) || 0; const newTerm = parseInt(newTermInNLP.value); const newRate = parseFloat(newRateInNLP.value); const preOwnedPrice = parseFloat(preOwnedPriceInNLP.value); const preOwnedDP = parseFloat(preOwnedDpInNLP.value) || 0; const preOwnedTerm = parseInt(preOwnedTermInNLP.value); const preOwnedRate = parseFloat(preOwnedRateInNLP.value); // Validations if (isNaN(newPrice) || newPrice <= 0) { alert("Enter a valid New Luxury Car Price."); return; } if (isNaN(newDP) || newDP < 0 || newDP > newPrice) { alert("Enter a valid New Car Down Payment (0 to Car Price)."); return; } if (isNaN(newTerm) || newTerm <= 0) { alert("Select a valid New Car Loan Term."); return; } if (isNaN(newRate) || newRate < 0) { alert("Enter a valid New Car Interest Rate (0 or positive)."); return; } if (isNaN(preOwnedPrice) || preOwnedPrice <= 0) { alert("Enter a valid Pre-Owned Luxury Car Price."); return; } if (isNaN(preOwnedDP) || preOwnedDP < 0 || preOwnedDP > preOwnedPrice) { alert("Enter a valid Pre-Owned Car Down Payment (0 to Car Price)."); return; } if (isNaN(preOwnedTerm) || preOwnedTerm <= 0) { alert("Select a valid Pre-Owned Car Loan Term."); return; } if (isNaN(preOwnedRate) || preOwnedRate < 0) { alert("Enter a valid Pre-Owned Car Interest Rate (0 or positive)."); return; } // New Luxury Car Calculations const newPrincipal = newPrice - newDP; const newMonthly = calculateNlpMonthlyPaymentHelper(newPrincipal, newTerm, newRate); const newTotalLoanPayment = newPrincipal > 0 ? newMonthly * newTerm : 0; const newTotalInterest = newPrincipal > 0 ? newTotalLoanPayment - newPrincipal : 0; // Pre-Owned Luxury Car Calculations const preOwnedPrincipal = preOwnedPrice - preOwnedDP; const preOwnedMonthly = calculateNlpMonthlyPaymentHelper(preOwnedPrincipal, preOwnedTerm, preOwnedRate); const preOwnedTotalLoanPayment = preOwnedPrincipal > 0 ? preOwnedMonthly * preOwnedTerm : 0; const preOwnedTotalInterest = preOwnedPrincipal > 0 ? preOwnedTotalLoanPayment - preOwnedPrincipal : 0; // Differences (New - Pre-Owned) const diffPrincipal = newPrincipal - preOwnedPrincipal; const diffMonthly = newMonthly - preOwnedMonthly; const diffInterest = newTotalInterest - preOwnedTotalInterest; const diffCost = newTotalLoanPayment - preOwnedTotalLoanPayment; // Update UI newLoanPrincipalOutNLP.textContent = formatCurrencyNLP(newPrincipal); newMonthlyPaymentOutNLP.textContent = formatCurrencyNLP(newMonthly); newTotalInterestOutNLP.textContent = formatCurrencyNLP(newTotalInterest < 0 ? 0 : newTotalInterest); newTotalCostOutNLP.textContent = formatCurrencyNLP(newTotalLoanPayment); preOwnedLoanPrincipalOutNLP.textContent = formatCurrencyNLP(preOwnedPrincipal); preOwnedMonthlyPaymentOutNLP.textContent = formatCurrencyNLP(preOwnedMonthly); preOwnedTotalInterestOutNLP.textContent = formatCurrencyNLP(preOwnedTotalInterest < 0 ? 0 : preOwnedTotalInterest); preOwnedTotalCostOutNLP.textContent = formatCurrencyNLP(preOwnedTotalLoanPayment); diffLoanPrincipalOutNLP.textContent = formatCurrencyNLP(diffPrincipal); diffMonthlyPaymentOutNLP.textContent = formatCurrencyNLP(diffMonthly); diffTotalInterestOutNLP.textContent = formatCurrencyNLP(diffInterest); diffTotalCostOutNLP.textContent = formatCurrencyNLP(diffCost); resultsSectionNLP.style.display = "block"; calculatedValuesNLP = { newLuxury: { price: newPrice, dp: newDP, term: newTerm, rate: newRate, principal: newPrincipal, monthly: newMonthly, interest: newTotalInterest, total: newTotalLoanPayment }, preOwnedLuxury: { price: preOwnedPrice, dp: preOwnedDP, term: preOwnedTerm, rate: preOwnedRate, principal: preOwnedPrincipal, monthly: preOwnedMonthly, interest: preOwnedTotalInterest, total: preOwnedTotalLoanPayment }, differences: { principal: diffPrincipal, monthly: diffMonthly, interest: diffInterest, total: diffCost } }; } function generateNlpPdf() { if (Object.keys(calculatedValuesNLP).length === 0 || !resultsSectionNLP || resultsSectionNLP.style.display === 'none') { alert('Please calculate the comparison first to generate a PDF summary.'); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF) is not loaded.'); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); if (typeof doc.autoTable !== 'function') { alert('PDF generation plugin (jsPDF-AutoTable) is not loaded.'); return; } const data = calculatedValuesNLP; try { doc.setFontSize(18); doc.setTextColor(0, 34, 68); // #002244 doc.text("New vs. Pre-Owned Luxury Car Financing Comparison", 14, 22); doc.setFontSize(10); doc.setTextColor(100); doc.text(`Report Generated: ${new Date().toLocaleDateString()}`, 14, 28); let startY = 38; const tableTheme = 'grid'; const headFillColor = [0, 51, 102]; // #003366 const headTextColor = [255, 255, 255]; // Inputs Summary doc.setFontSize(12); doc.setTextColor(0, 34, 68); doc.text("Input Summary", 14, startY); startY += 7; doc.autoTable({ head: [['Parameter', 'New Luxury Car', 'Pre-Owned Luxury Car']], body: [ ['Vehicle Price', `$${formatCurrencyNLP(data.newLuxury.price)}`, `$${formatCurrencyNLP(data.preOwnedLuxury.price)}`], ['Down Payment', `$${formatCurrencyNLP(data.newLuxury.dp)}`, `$${formatCurrencyNLP(data.preOwnedLuxury.dp)}`], ['Loan Term (months)', `${data.newLuxury.term}`, `${data.preOwnedLuxury.term}`], ['Annual Interest Rate', `${(data.newLuxury.rate || 0).toFixed(2)}%`, `${(data.preOwnedLuxury.rate || 0).toFixed(2)}%`] ], startY: startY, theme: tableTheme, headStyles: { fillColor: headFillColor, textColor: headTextColor }, styles: { fontSize: 9 } }); startY = doc.lastAutoTable.finalY + 10; // Results Table doc.setFontSize(12); doc.setTextColor(0, 34, 68); doc.text("Financing Comparison Results", 14, startY); startY += 7; const resultsBody = [ ['Loan Principal', `$${formatCurrencyNLP(data.newLuxury.principal)}`, `$${formatCurrencyNLP(data.preOwnedLuxury.principal)}`, `$${formatCurrencyNLP(data.differences.principal)}`], ['Monthly Payment (EMI)', `$${formatCurrencyNLP(data.newLuxury.monthly)}`, `$${formatCurrencyNLP(data.preOwnedLuxury.monthly)}`, `$${formatCurrencyNLP(data.differences.monthly)}`], ['Total Interest Paid', `$${formatCurrencyNLP(data.newLuxury.interest < 0 ? 0 : data.newLuxury.interest)}`, `$${formatCurrencyNLP(data.preOwnedLuxury.interest < 0 ? 0 : data.preOwnedLuxury.interest)}`, `$${formatCurrencyNLP(data.differences.interest)}`], ['Total Loan Cost (P+I)', `$${formatCurrencyNLP(data.newLuxury.total)}`, `$${formatCurrencyNLP(data.preOwnedLuxury.total)}`, `$${formatCurrencyNLP(data.differences.total)}`] ]; doc.autoTable({ head: [['Feature', 'New Luxury Car', 'Pre-Owned Luxury Car', 'Difference (New - Pre-Owned)']], body: resultsBody, startY: startY, theme: tableTheme, headStyles: { fillColor: headFillColor, textColor: headTextColor }, styles: { fontSize: 9 }, columnStyles: { 0: { cellWidth: 45, fontStyle: 'bold' }, 1: { halign: 'right' }, 2: { halign: 'right' }, 3: { halign: 'right' } } }); doc.save("Luxury_Car_Financing_Comparison.pdf"); } catch (error) { console.error("NLP PDF Error:", error); alert("An error occurred while generating the PDF: " + error.message); } }