def calculation(client)
  loan_amount = client.goods_cost - client.downpayment

  insurance_amount = 0
  client.insurance.sort.each do |item|
    insurance_amount =
    case item
    when :life
      if client.age < 30
        loan_amount * (1.1 / 100.0) * client.term
       elsif client.age < 60
        loan_amount * (1.4 / 100.0) * client.term
      else
        loan_amount * (1.8 / 100.0) * client.term
      end
    when :job
      case client.employment
      when :own_business
        loan_amount / (1 - client.term / 100.0 ) - loan_amount
      when :clerk
        loan_amount * 0.014
      else
        0.00
      end
    else
      0.0
    end

    loan_amount += insurance_amount
  end

  rate = 15 / 1200.0
  monthly_payment = rate * (rate + 1)**client.term / ((rate + 1)**client.term - 1) * loan_amount

  puts "Сумма займа: #{loan_amount.round(2)}"
  puts "Первоначальный взнос #{client.downpayment}"
  puts "Ежемесячный платеж: #{monthly_payment.round(2)}"
  puts "Срок кредита: #{client.term} месяцев"
  puts "Сумма выплат: #{(monthly_payment * client.term).round(2) }"
  puts "Страхование: #{client.insurance}, #{insurance_amount.round(2)}"
end


require 'ostruct'
person = OpenStruct.new(goods_cost: 30_000, downpayment: 3000, term: 12, age: 44, employment: :own_business,  insurance: [:life, :job])
calculation(person)