#include <iostream>
using namespace std;

//These functions will compute the real annual cost to a homeowner.
//double interest_payment_amount(double loan_amount);
double total_interest(double loan_amount);
double tax_savings(total_interest);

//constants
double loan_interest_rate(0.06);
double loan_reduction_rate(0.03);
double income_tax_rate(0.35);


int main()
{
    double price_of_house, downpayment, total_interest, tax_savings, annual_after_tax_cost;
//constants
//    double loan_interest_rate=0.06;
//    double loan_reduction_rate(0.03);
//    double income_tax_rate(0.35);

    cout.setf(ios::fixed);
    cout.setf(ios::showpoint);
    cout.precision(2);

    while (price_of_house != 0)
    {
        cout << "Enter the home price (or zero to quit):" <<endl;
        cin >> price_of_house;
        cout << "Enter the down payment:" << endl;
        cin >> downpayment;
        double loan = price_of_house - downpayment;
        //tax_savings = interest_payment_amount * income_tax_rate;
        double interest = total_interest(loan);
        //double savings = tax_savings(interest_payment_amount);
        //annual_after_tax_cost = total_interest - savings;
        cout << "The after-tax cost is " << annual_after_tax_cost << " annually." << endl;
    }
    return 0;
}
//Function Definitions
    //double interest_payment_amount(double loan_amount)
    //{
    //    return (loan_amount * loan_interest_rate) + (loan_amount * loan_reduction_rate);
    //}
    double total_interest(double loan_amount)
    {
        return (loan_amount * loan_interest_rate + loan_amount * loan_reduction_rate);
    }
    double tax_savings(total_interest)
    {
        return (total_interest * income_tax_rate);
    }