var totalSecurity=0;var balloonTerm=0;var monthlyDebtServiced=0;var principlebalance=0;var endingPeriodBalance=0;var schedPrincipal=0;var interestAndPrincipal=0;var formattedOrigBalance;var S=15000;var T=15000;var V=4000;var P=7500;var R=7500;var ADVISORY_FEE=10000;function validateFields(){formattedOrigBalance=new NumberFormat(document.calculator.origBalance.value);if(parseFloat(formattedOrigBalance.toUnformatted())<=0){alert("Please enter a valid amount for Original Loan Balance");return false;}if(isNaN(parseFloat(document.calculator.interest.value))){alert("Please enter a valid Interest Rate");return false;}if(isNaN(parseFloat(document.calculator.amortTerm.value))){alert("Please enter a valid number for Amortization Term");return false;}var firstPmtDate=document.calculator.firstPmtDate.value;if(!isDate(firstPmtDate,"First Payment Date"))return false;var maturityDate=document.calculator.maturityDate.value;if(!isDate(maturityDate,"Maturity Date"))return false;var defeasanceDate=document.calculator.defeasanceDate.value;if(!isDate(defeasanceDate,"Defeasance Date"))return false;if(parseFloat(document.calculator.interest.value)<=0||parseFloat(document.calculator.interest.value)>=25){alert("Interest Rate needs to be between 0 and 25");return false;}return true;}function calculate(){roundAndFormatOriginalLoan();roundAndFormatInterest();if(!validateFields())return false;totalSecurities=0;var defeasanceDate=new Date(document.calculator.defeasanceDate.value);var firstPmtDate=new Date(document.calculator.firstPmtDate.value);var maturityDate=new Date(document.calculator.maturityDate.value);if(maturityDate<firstPmtDate){alert("Maturity Date needs to be greater than First Payment Date");return false;}if(defeasanceDate<new Date()){alert("Defeasance Date needs to be greater than today's date");return false;}if(defeasanceDate<firstPmtDate||defeasanceDate>maturityDate){alert("Defeasance Date needs to be between First Payment Date and Maturity Date");return false;}var firstPmtToMaturity=((maturityDate.getFullYear()-firstPmtDate.getFullYear())*12)+firstPmtDate.getMonth()-maturityDate.getMonth();if(firstPmtToMaturity>document.calculator.amortTerm.value){alert("Amortization Term must be greater than or equal to the number of months between First Payment Date and Maturity Date");return false;}var month=firstPmtDate.getMonth();var year=firstPmtDate.getFullYear();if(firstPmtDate.getMonth()==1){month=12;year--;}else{month--;};var Z=new Date(year,month,1);var H=((defeasanceDate.getFullYear()-year)*12)+(defeasanceDate.getMonth()-(month));balloonTerm=((maturityDate.getFullYear()-year)*12)-month+maturityDate.getMonth();var G=document.calculator.interest.value/12/100;formattedOrigBalance=new NumberFormat(document.calculator.origBalance.value);endingPeriodBalance=formattedOrigBalance.toUnformatted();var term=0;var interest=0;var D=0;var F=0;var Q=0;F=parseFloat(endingPeriodBalance)*Math.pow(1+G,document.calculator.amortTerm.value);D=(Math.pow(1+G,document.calculator.amortTerm.value)-1)/G;monthlyDebtServiced=Math.round((F/D)*100)/100;var A=new Array();populateTreasuryRates(A);var Y;var X=0;var C=0;var B=0;var treasuryRate=0;for(var x=1;x<=balloonTerm;x++){month++;Y=new Date(year,month,1);X=Math.round((Y-Z)/86400000);if(document.calculator.accType.value=="Act/360"){interest=Math.round(endingPeriodBalance*G*X/30*100)/100;}else{interest=Math.round(endingPeriodBalance*G*100)/100;};if(x<balloonTerm){schedPrincipal=Math.round((monthlyDebtServiced-interest)*100)/100;}else{schedPrincipal=endingPeriodBalance;};endingPeriodBalance-=schedPrincipal;interestAndPrincipal=interest+schedPrincipal;if(x==H){principleBalance=endingPeriodBalance;}if(x>H){C=x-H;B=C/12;}else{C=0;B=0;};D=A[Math.floor(B)];F=A[Math.ceil(B)];treasuryRate=0;if(B>0){if(C==1){treasuryRate=TREASURY_1MO/100;}else if(C<=3){treasuryRate=Math.round(((((C-1)/2)*(TREASURY_3MO-TREASURY_1MO)+TREASURY_1MO)/100)*1000000)/1000000;}else if(C<=6){treasuryRate=Math.round(((((C-3)/3)*(TREASURY_6MO-TREASURY_3MO)+TREASURY_3MO)/100)*1000000)/1000000;}else if(C<12){treasuryRate=Math.round(((((C-6)/6)*(TREASURY_1YR-TREASURY_6MO)+TREASURY_6MO)/100)*1000000)/1000000;}else if(B<=30)treasuryRate=Math.round((((B-Math.floor(B))*(F-D)+D)/100)*1000000)/1000000;else treasuryRate=Math.round(A[30]*1000000)/1000000;}else if(B==0){treasuryRate=Math.round(A[1])*1000000/1000000;}Q=0;if(x>H){Q=Math.round(Math.pow((1/(1+treasuryRate/2)),(C/6))*interestAndPrincipal*100)/100;}totalSecurities=Math.round((totalSecurities+Q)*100)/100;Z=new Date(year,month,1);if(month==12){month=0;year++;}}outputResults();return true;}function outputResults(){document.getElementById('monthly').innerHTML=formatNumber(Math.floor(monthlyDebtServiced));document.calculator.monthlyResult.value=formatNumber(Math.floor(monthlyDebtServiced));document.getElementById('balloon').innerHTML=formatNumber(Math.round(interestAndPrincipal));document.calculator.balloonResult.value=formatNumber(Math.round(interestAndPrincipal));document.getElementById('defbalance').innerHTML=formatNumber(Math.round(principleBalance));document.calculator.defbalanceResult.value=formatNumber(Math.round(principleBalance));document.getElementById('securities').innerHTML=formatNumber(Math.round(totalSecurities));document.calculator.securitiesResult.value=formatNumber(Math.round(totalSecurities));document.getElementById('premium').innerHTML=formatNumber(Math.round(totalSecurities-principleBalance));document.calculator.premiumResult.value=formatNumber(Math.round(totalSecurities-principleBalance));document.getElementById('svcproc').innerHTML=formatNumber(S);document.calculator.svcprocResult.value=formatNumber(S);document.getElementById('svclegal').innerHTML=formatNumber(T);document.calculator.svclegalResult.value=formatNumber(T);document.getElementById('accountant').innerHTML=formatNumber(V);document.calculator.accountantResult.value=formatNumber(V);document.getElementById('custodian').innerHTML=formatNumber(P);document.calculator.custodianResult.value=formatNumber(P);document.getElementById('succborr').innerHTML=formatNumber(R);document.calculator.succborrResult.value=formatNumber(R);var ratingAgencies=0;if(parseFloat(formattedOrigBalance.toUnformatted())>20000000){ratingAgencies=15000;document.getElementById("ratingagencies").innerHTML=formatNumber(ratingAgencies);document.calculator.ratingagenciesResult.value=formatNumber(ratingAgencies);}else{document.getElementById("ratingagencies").innerHTML="N/A"+"&nbsp;&nbsp;&nbsp;&nbsp;";document.calculator.ratingagenciesResult.value="N/A"+"&nbsp;&nbsp;&nbsp;&nbsp;"};var thirdPartyTotals=S+T+V+P+R+ratingAgencies;document.getElementById("thirdPartyTotals").innerHTML=formatNumber(thirdPartyTotals);document.calculator.thirdPartyTotalsResult.value=formatNumber(thirdPartyTotals);var advisoryFee=ADVISORY_FEE;document.getElementById("advisoryFee").innerHTML=formatNumber(advisoryFee);document.calculator.advisoryFeeResult.value=formatNumber(advisoryFee);var totalDefeasance=Math.round(totalSecurities)+thirdPartyTotals+advisoryFee;document.getElementById("totalDefeasance").innerHTML=formatNumber(totalDefeasance);document.calculator.totalDefeasanceResult.value=formatNumber(totalDefeasance);showDiv();}function formatNumber(number){var formattedNumber=new NumberFormat(number);formattedNumber.setCurrency(true);formattedNumber.setCommas(true);formattedNumber.setPlaces(0);formattedNumber.setCurrencyPrefix("$");return formattedNumber.toFormatted()+"&nbsp;&nbsp;&nbsp;&nbsp;";}function populateTreasuryRates(A){A[0]=TREASURY_1YR;A[1]=TREASURY_1YR;A[2]=TREASURY_2YR;A[3]=TREASURY_3YR;A[5]=TREASURY_5YR;A[10]=TREASURY_10YR;A[30]=TREASURY_30YR;A[4]=(A[3]+A[5])/2;var W=(A[10]-A[5])/5;for(var x=6;x<10;x++)A[x]=W+A[x-1];W=(A[30]-A[10])/20;for(var x=11;x<30;x++)A[x]=W+A[x-1];}function roundAndFormatOriginalLoan(){var formattedNumber=new NumberFormat(document.calculator.origBalance.value);formattedNumber.setCurrency(true);formattedNumber.setCommas(true);formattedNumber.setPlaces(0);document.calculator.origBalance.value=formattedNumber.toFormatted();return true;}function roundAndFormatInterest(){var formattedNumber=new NumberFormat(document.calculator.interest.value);formattedNumber.setCurrency(false);formattedNumber.setCommas(true);formattedNumber.setPlaces(3);document.calculator.interest.value=formattedNumber.toFormatted();return true;}function resetAll(){document.calculator.reset();document.getElementById('monthly').innerHTML="";document.getElementById('balloon').innerHTML="";document.getElementById('defbalance').innerHTML="";document.getElementById('securities').innerHTML="";document.getElementById('svcproc').innerHTML="";document.getElementById('svclegal').innerHTML="";document.getElementById('accountant').innerHTML="";document.getElementById('custodian').innerHTML="";document.getElementById('succborr').innerHTML="";document.getElementById("ratingagencies").innerHTML="";document.getElementById("thirdPartyTotals").innerHTML="";document.getElementById("advisoryFee").innerHTML="";document.getElementById("totalDefeasance").innerHTML="";}