**Build an API that external partners can use to determine whether an order they receive is valid or not.**

### Input

For the purpose of this exercise, imagine all incoming data to be in JSON. Here's an example order object:

```js
let order = {
  profile: {
    age: 58,
    income_bracket: 'FROM_25K_TO_49K',
    liquid_net_worth: 'FROM_100K_TO_249K',
    investment_time_horizon: 'SIX_TO_TEN_YEARS',
    investment_risk: 'BALANCE_OF_RISK_AND_RETURN',
    investment_experience : [
      {
        name: 4,
        num_years: 15
      }
    ],
    is_employed: true,
    blockscore: 'green'
  },
  maturities: [
    {
      cusip_9: '777FJSJSK',
      interest_rate: 3.9,
      principal_amount: 1000,
      sp_rating_long: 'AAA',
      moody_rating_long: 'Baa2',
      fitch_rating_long: 'BBB' ,
      amount_available: 50000,
      series: 'A',
      maturity_year: 2028,
      quantity: 2
    },
    {
      cusip_9: '777FJSJSJ',
      interest_rate: 3.5,
      principal_amount: 5000,
      sp_rating_long: 'BBB',
      moody_rating_long: 'Aa1',
      fitch_rating_long: 'AAA',
      amount_available: 4000,
      maturity_year: 2035,
      series: 'B',
      quantity: 3
    },
    {
      cusip_9: '777FJSJSA',
      interest_rate: 2.7,
      principal_amount: 5000,
      sp_rating_long: 'AA+',
      moody_rating_long: 'Aa3',
      fitch_rating_long: 'BB+',
      amount_available: 7000,
      maturity_year: 2040,
      series: 'C',
      quantity: 1
    }
  ],
  total_amount: 22000,
};
```

### Output

API responses may look something like the following:

```json
{
"status": 1,
"flagged_checks": [],
"declined_checks": []
}

```

```json
{
"status": 2,
"flagged_checks": [
    {
      "key": "liquid_net_worth",
      "name": "Liquid net worth / income"
    }
  ],
"declined_checks": []
}

```

```json
{
"status": 3,
"flagged_checks": [
    {
      "key": "liquid_net_worth",
      "name": "Liquid net worth / income"
    },
    {
      "key": "investment_risk",
      "name": "Investment risk"
    }
  ],
"declined_checks": [
    {
      "key": "liquid_net_worth",
      "name": "Liquid net worth / income"
    }
  ]
}

```
Status output map:

```js
const statusMap = {
  STATUS_PASS: 1,
  STATUS_FLAG: 2,
  STATUS_DECLINE: 3
}
```

### Algorithm

See the rules this algorithm consists of below (7 total checks).

Take account of how many issues the order is flagged on, and on which issues the order is flagged on.
If more than  2/3 are flagged, we automatically decline the order.
If at least one check is decline, we decline the order.


#### 1. Liquid net worth / income

##### Data values:

We take the highest value of the bracket for liquid net worth and income, that are all integers.

```js
const liquidNetWorthMap = {
  LESS_THAN_50K: 50,
  FROM_50K_TO_99K: 99,
  FROM_100K_TO_249K: 249,
  FROM_250K_TO_499K: 499,
  FROM_500K_TO_999K: 999,
  FROM_1M_TO_3M: 3000,
  GREATER_THAN_3M: 9999
};

const incomeBracketMap = {
  LESS_THAN_25K: 25,
  FROM_25K_TO_49K: 49,
  FROM_50K_TO_99K: 99,
  FROM_100K_TO_249K: 249,
  FROM_250K_TO_499K: 499,
  FROM_500K_TO_999K: 999,
  FROM_1M_TO_3M: 3000,
  GREATER_THAN_3M: 9999
};
```

##### Pass

```
total_amount / liquid_net_worth <= 0.15 OR total_amount / income_bracket <= 0.10
```

##### Flag

```
total_amount / liquid_net_worth > 0.15 AND total_amount / income_bracket > 0.10
```

#### 2. Risk tolerance

##### Data Values:

Risk Tolerance of User:

```
I want my money to be safe: 1
I want a balance of risk & return: 2
I only care about high returns: 3
```

```js
const investmentRiskMap = {
  SAFE: 1,
  BALANCE_OF_RISK_AND_RETURN: 2,
  HIGHEST_RETURN: 3
};
```

S&P
```
AAA, AA+, AA, AA-, A+, A: 1
A-, BBB+, BBB, BBB-, BB+, BB, BB-, B+, B, B-: 2
Other: 3
```

Moody's
```
Aaa, Aa1, Aa2, Aa3, A1, A2: 1
A3, Baa1, Baa2, Baa3, Ba1, Ba2, Ba3, B1, B2, B3: 2
Other: 3
```

Fitch
```
AAA, AA+, AA, AA-, A+, A: 1
A-, BBB+, BBB, BBB-, BB+, BB, BB-, B+, B, B-: 2
Other: 3
```

Risk value of an order: highest maturity risk value from any agency (S&P, Moody's or Fitch)

###### Pass

```
profile investment_risk >= the risk of Order
```

###### Flag

```
profile investment risk < risk of Order
```

#### 3. Investment experience

##### Data Values:

```
Primary asset classes:
  Futures
  Options
  Commodities
  Bonds
  Stocks
  Mutual Funds
  Unit Investment Trusts
Secondary asset classes:
  Everything else, including Other
```

```js
const AssetClassMap = {
  BONDS: 1,
  STOCKS: 2,
  MUTUAL_FUNDS: 3,
  COMMODITIES: 4,
  EXCHANGE_TRADED_FUNDS: 5,
  FIXED_ANNUITIES: 6,
  FUTURES: 7,
  INSURANCE: 8,
  OPTIONS: 9,
  PRECIOUS_METALS: 10,
  REAL_ESTATE: 11,
  RETIREMENT_ACCOUNT_401K_OR_IRA: 12,
  UNIT_INVESTMENT_TRUSTS: 13,
  VARIABLE_ANNUITIES: 14,
  OTHER: 99
};

const AssetClassYearsOfExperience = {
  name: AssetClassMap['BONDS'],
  num_years: 10
};

```

Using the above, we need to calculate an experience level for each investor profile

```
< 3 years experience in any primary asset class : 1
=> 3 years experience AND < 10 years experience in any primary asset class : 2
=> 10 years experience in any primary asset class : 3
```

##### Pass
```
profile experience level >= the risk level of the order
```

##### Flag
```
profile experience level < the risk level of the order
```

#### 4. Age

##### Pass

```
max years to maturity of the order + age <= 70 years
```

##### Flag

```
max years to maturity of the order + age > 70 years
```
years to maturity = maturity_year - current year

#### 5. Time horizon

```js
const timeHorizonMap = {
  UNDER_THREE_YEARS: 4,
  THREE_TO_FIVE_YEARS: 6,
  SIX_TO_TEN_YEARS: 11,
  ELEVEN_TO_TWENTY_YEARS: 21,
  MORE_THAN_TWENTY_YEARS: 31,
  DONT_KNOW: 31
};
```

##### Pass
```
max years to maturity <= time horizon
```

##### Flag
```
max years to maturity > time horizon
```

##### Decline
```
max years to maturity > time horizon * 2
```

#### 6. Employment status

##### Pass
```
true
```

##### Flag
```
false
```

#### 7. Blockscore Result

##### Pass
```
green
```

##### Decline
```
red
```