#include <iostream>
#include <cmath>
#include <string>

using namespace std;

double calculate_monthly_payment(double R, double N, double L)
{
	return L * ((R * pow((1.0 + R), N)) / (pow((1 + R), N) - 1.0));
}

int main()
{
	string sirname;
	string lastname;
	double num_of_payments;
	double num_of_years;
	double loan_amount;
	double monthly_rate;
	double annual_rate;
	double monthly_payment;
	double amount_paid;
	double interest_amount;
	double equationTop;
	double exp;


	cout << "What is your name? (format: Mr. Smith): ";
	cin >> sirname >> lastname;

	cout << sirname << lastname << ", what is the amount of your loan? (format: 2450) ";
	cin >> loan_amount;
	cout << "What is the annual interest rate of your loan? (format: 3.0) ";
	cin >> annual_rate;
	cout << "How many years do you have to pay this loan? (format: 5) ";
	cin >> num_of_years;

	monthly_rate = (annual_rate / 100) / 12;
	cout << "The monthly is" << monthly_rate << endl;

	num_of_payments = num_of_years * 12;
	cout << "The number of payments is " << num_of_payments << endl;

	exp = pow((1 + monthly_rate), num_of_payments);

	double L, R, N;

	L = loan_amount;
	R = monthly_rate;
	N = num_of_payments;

	monthly_payment = L * ((R * pow((1.0 + R), N)) / (pow((1 + R), N) - 1.0));

	cout << "The monthly payment" << monthly_payment;

	cout << endl << endl << endl << endl;
	cout << "Name: " << lastname << ", " << sirname << endl;
	cout << "Loan Amount: " << "$" << loan_amount << endl;

	return 0;
}