#include<iostream>
using namespace std;

void Greeting ();
void Option (char* answer);
void Question (float* balance, float* total, float* i, float* amount, float* goal);
void Borrow (float* loan, float* totalx, float balancex, float ix, float amountx, float goalx);
void info (float, float, float, float, float);

int main()
{
    float balance, total, i, amount, goal, loan, totalx, balancex, ix, amountx, goalx;
	char answer;

    Greeting();
	Option (&answer);
    Question(&balance, &total, &i, &amount, &goal);
	Borrow (&loan, &totalx, &balancex, &ix, &amountx, &goalx);
    info(balance, total, i, amount, goal);

system("pause");
return 0;
}

void Greeting()
{
    cout<< "Welcome to the Bank of Kwantlen!"<< endl << endl;
    return;
}

void Option (char* answer)
{
	cout <<"Do you want to invest (i) with us or borrow (b) from us? ";
    cin >> answer;
    cout << endl;
	return;
}

void Question (float* balance, float* total, float* i, float* amount, float* goal)
{
    float rate;

	int num;
	num = 5;

	cout << "Enter the amount to invest annually:    ";
	cin >> *amount;
	cout << "Enter the yearly percentage rate of return:    ";
	cin >> rate;
	cout << "Enter the investment goal:  ";
	cin >> *goal;
	cout << endl;

	cout << "Year		Balance			Balance\n";
	cout << "		(Jan. 1)		(Dec. 31)\n";

    *total = 0;
    *i=1;
    *balance = 0;

    while (*total < *goal)
    {
    *balance = *total + *amount;
    *total = *balance *(1+(rate/100));

	cout << *i << "		"	<<	*balance << "			" << *total << endl;
    *i = *i+1;
    }
    return;
    }
void Borrow (float* loan, float* totalx, float balancex, float ix, float amountx, float goalx)
	{
	cout <<"Enter the amount of the loan:	";
	cin >> loan;
	cout <<"Enter the annual interest rate:		";
	cin >> ratex;
	cout <<"Enter the annual payment amount:	";
	cin >> amountx;

	cout << endl;

	cout << "Year		Balance			Balance\n";
	cout << "		(Jan. 1)		(Dec. 31)\n";

    *totalx = 0;
    *ix=1;
    *balancex = 0;

    while (*totalx < *goalx)
    {
    *loanx = *totalx + *amountx;
    *totalx = *balancex *(1+(ratex/100));

	cout << *ix << "		"	<<	*balancex << "			" << *totalx << endl;
    *ix = *ix+1;
    }
    return;
    }

void info (float balance, float total, float i, float amount, float goal)
    {
	float investment;
	float accumulated;
	float final;
	cout << endl;
	i = i-1;
	cout << "Number of years needed to achieve investment goal: " << i << endl;
	investment = i * amount;
	cout << "Total Investment " << investment << endl;
	accumulated = total - investment;
	cout << "Total accumulated return on investment " << accumulated << endl;
	final = total - goal;
	cout << "Final balance exceeds goal by " << final << endl;
    }