//McDonaghNiall19LabEx1 - Niall McDonagh
//Calculates loan offers and charges

import java.io.*; //ignore 1
import java.util.Scanner;

public class McDonaghNiall19LabEx1
{
    public static void main(String[] args)throws FileNotFoundException //ignore 2
    {
         Scanner console = new Scanner(new FileReader("LabEx1.txt")); //ignore 3

        // Constants
        final int MONTHS = 12;
        final double MORTG_DEPOSIT = 0.2;
        final int MONTHLY_DED_2000 = 30;
        final int MONTHLY_DED_3000 = 50;
        final int MONTHLY_DED_20000 = 100;
        final double TRANS_FEE = 10.00;
        final double MORTGAGE_CAT = 0.045;
        final double CAR_CAT = 0.074;
        final double EDUC_CAT = 0.0599;
        final double PERSON_CAT = 0.0859;
        final double INSURANCE_MORTG=15.00;
        final double INSURANCE_OTHER=5.00;

        // Variables
        int years = 0;
        double loanAmt = 0, apr = 0, monthlyBasic = 0;
        int i;
        char type;
        int loanNum;
        double aprType=0;
        char customerType;
        int newCustomerCount = 0;
        int existingCustomerCount = 0;
        String customerCat="";
        char insurance;
        double loanTotal;
        int loanMonths = 0;
        double loanDeduct = 0;
        double interest = 0;
        double firstMonthPayment = 0;
        double monthlyPayment = 0;
        double mortgageDeposit = 0;
        double insuranceCover = 0;
        double loanRepay = 0;
        double monthlyBasicTotal = 0;
        double loanRepayTotal = 0;
        double interestAmtTotal = 0;
        double insCover = 0;
        double MortgDeposit = 0;
        double CustDeductTotal = 0;
        double LoanTotal = 0;
        double FirstMonthTotal = 0;
        double regularMonthsTotal = 0;
        //Scanner console = new Scanner(System.in);

        // Ask number of loans
        // Preliminary Input
        System.out.println();
        System.out.print("Enter number of loans: ");
        loanNum = console.nextInt(); // console.nextDouble(); console.next().charAt(0);

        //Header
        System.out.println();
        System.out.print(" Lab Exam 1   Loan    Loan    Loan    APR Monthly Interest    Ins X/E Cust    Loan    First   Regular \n");
        System.out.print(" Niall McD    Num     Type    Months  %   Monthly Basic   Amt Cover   Deduct  Total   Month   Months \n");
        System.out.print(" ===================================================================================================================== \n");

        for (i = 1; i <= loanNum; ++i)
                {
                    // Line Input
                    System.out.println("Type/AMT/Yrs/Status/ins: ");

                    //myInt = console.nextInt();
                    //myDouble = console.nextDouble();
                    type = console.next().charAt(0);
                    loanAmt = console.nextDouble();
                    years = console.nextInt();
                    customerType = console.next().charAt(0);
                    insurance = console.next().charAt(0);

                    if (type == 'P' || type == 'p') {
                         customerCat = "Personal";
                         aprType = PERSON_CAT * 100;
                    }
                    else if (type == 'C' || type == 'c') {
                         customerCat = "Car";
                         aprType = CAR_CAT * 100;
                    }

                    else if (type == 'M' || type == 'm') {
                         customerCat = "Mortgage";
                         aprType = MORTGAGE_CAT * 100;

                    }
                    else if (type == 'E' || type == 'e') {
                         customerCat = "Education";
                         aprType = EDUC_CAT * 100;
                    }

                    else {
                         customerCat = "Unknown";
                    }



                    //Loan deduction
                    if (customerType == 'W' || customerType == 'w')
                        ++newCustomerCount;
                    {
                        if(loanAmt >= 2000.00)
                        {
                            loanDeduct = MONTHLY_DED_2000;
                        }
                        else if(customerType == 'X' || customerType == 'x' || loanAmt >=3000.00)
                        {
                            loanDeduct = MONTHLY_DED_3000;
                            ++existingCustomerCount;;
                        }
                        else if(customerType == 'X' || customerType == 'x' || loanAmt >=20000.00)
                        {
                            loanDeduct = MONTHLY_DED_20000;
                            ++existingCustomerCount;;
                        }
                        else
                        {
                            loanDeduct = 0;
                        }

                    }

                    //Insurance Y/N
                    if (insurance == 'Y' || insurance == 'y')
                    {
                        if(customerCat == "Mortgage")
                        {
                            insuranceCover = INSURANCE_MORTG;
                        }
                        else if(insurance =='N' || insurance =='n')
                        {
                            insuranceCover = 0;
                        }
                        else
                        {
                            insuranceCover = INSURANCE_MORTG;
                        }

                    }

                    // Mortgage deposit

                    if (type == 'M' || type == 'm')
                    {
                        mortgageDeposit = MORTG_DEPOSIT * loanAmt;
                    }

                    // Existing customer count

                    if (customerType == 'X' || customerType == 'x')
                    {
                        ++existingCustomerCount;
                    }

                    // Calculations here

                    loanMonths = years * 12;
                    apr = aprType / 100;
                    loanTotal = interest + TRANS_FEE + insuranceCover + monthlyBasic;
                    firstMonthPayment = TRANS_FEE + monthlyBasic + insuranceCover;
                    monthlyPayment = monthlyBasic + insuranceCover;
                    loanRepay = monthlyPayment * loanMonths;
                    interest = loanRepay - loanAmt;
                    monthlyBasic = loanAmt * apr /(MONTHS * (1 - 1 /(Math.pow((1+apr/MONTHS),(MONTHS*years)))));

                    //Output - unformatted
                    System.out.println("        " + i + "   " + customerCat + " " + loanMonths + "  " + aprType + " " + monthlyBasic + "    " + loanRepay + "   " + interest + "    " + insuranceCover + "  " + mortgageDeposit + " " + loanDeduct + "  " + loanTotal + "   " + firstMonthPayment + "   " + monthlyPayment);

                    //Output - formatted
                    //System.out.printf("%5d %6s %9d %5.2f %10.2f %2.2f ", i, customerCat, loanMonths, apr, monthlyBasic , loanRepay, interest, insuranceCover, mortgageDeposit, loanDeduct, loanTotal, firstMonthPayment, MonthlyPayment  );

        } // for

        System.out.print("\n ============================================================================================================ \n");

    /*  //Totals
        System.out.println("        " + monthlyBasicTotal);
        System.out.println();
        System.out.println();
        System.out.println();
*/
        //Customer information
        System.out.println(newCustomerCount + " new customers today");
        System.out.println();
        System.out.println(existingCustomerCount + " existing customers today");
        System.out.println();
    } // main

}// class