#! /usr/bin/perl

require "cgi-lib.pl";
require "cl-lib.pl";


sub calcdeposit {
#LTV, Financing
return (@_[1]/((@_[0] / 100)) - @_[1]);
}

sub IRF {
local($ir,$ty,$a);
$ir=@_[0];
$ty=@_[1];

$ir = $ir +
   (0.5 - (($ir * 10) % 5)/10)
   if ((($ir*10) % 5) != 0);
if ($ty = 30){$ty = 4.77; $a=0.3;}
if ($ty = 20){$ty = 6.06; $a=0.27;}
if ($ty = 15){$ty = 7.40; $a=0.25;}
return (1) if ($ty > 10);
$ty += $a + (($ir - 4) / 0.5)*0.004999999 if (($ir - 4) > 0);

return $ty;
}

sub HousingRatio {
return (@_[0]*0.28)*0.92;
}
sub DebtRatio {
return ((@_[0]-@_[1])*0.36)*0.92;
}


sub MaxMort {
local($gmi,$debt,$irate,$termy,$a,$b,$c);
$gmi=  @_[0];
$debt= @_[1];
$irate=@_[2];
$termy=@_[3];

$a= &HousingRatio($gmi)/ &IRF($irate,$termy) * 1000;
$b= &DebtRatio($gmi,$debt)/ &IRF($irate,$termy) * 1000;

#return ($a < $b)?($a / &IRF($irate,$termy) * 1000):($b / &IRF($irate,$termy) * 1000);
return ($a<$b)?(($a),($b)):(($b),($a));
#$c = ($a < $b)?($b - $a)/2+$a:($a - $b)/2+$b;
#return ($c / &IRF($irate,$termy) * 1000);
}

sub doreport {
 open(INPUTFORM,"prequal/pqoutpre.html") || die "Can't open your output form-pre. $!\n";
 while(<INPUTFORM>) {
  print $_;
 }
 close INPUTFORM;
# The next statement is Vernon's idea, that dood is the bomb!
printf( <<closeTable,$C{maxpp},$A{maxpp},$C{downp},$A{downp},$input{casha},$input{casha},$C{irate} * 100,$A{irate} * 100,$C{cc},$A{cc},$C{monthly},$A{monthly},$C{maxmort},$A{maxmort});
<table align="center" width="100%">
<tr><th class="HeaderTD" colspan="2" align="center">Conservative</th><th class="HeaderTD" colspan="2" align="center">Aggressive</th></tr>
<tr><td class="HeaderTDHL">Maximum Purchase Price</td><td>\$%9.2f</td><td class="HeaderTDHL">Maximum Purchase Price</td><td>\$%9.2f</td></tr>
<tr><td class="HeaderTDHL">Down Payment</td><td>\$%9.2f</td><td class="HeaderTDHL">Down Payment</td><td>\$%9.2f</td></tr>
<tr><td class="HeaderTDHL">Cash Available</td><td>\$%9.2f</td><td class="HeaderTDHL">Cash Available</td><td>\$%9.2f</td></tr>
<tr><td class="HeaderTDHL">Interest Rate</td><td>\$%9.2f</td><td class="HeaderTDHL">Interest Rate</td><td>\$%9.2f</td></tr>
<tr><td class="HeaderTDHL">Closing Costs</td><td>\$%9.2f</td><td class="HeaderTDHL">Closing Costs</td><td>\$%9.2f</td></tr>
<tr><td class="HeaderTDHL">Monthly Payment</td><td>\$%9.2f</td><td class="HeaderTDHL">Monthly Payment</td><td>\$%9.2f</td></tr>
<tr><td class="HeaderTDHL">Loan Amount</td><td>\$%9.2f</td><td class="HeaderTDHL">Loan Amount</td><td>\$%9.2f</td></tr>
closeTable
print "<tr><td colspan=2 align='center' width='50%'>&nbsp;";
print "You may not have enough available cash to qualify for a conservative loan." if ($input{casha} < $C{downp});
print "</td><td colspan=2 align='center' width='50%'>&nbsp;";
print "You may not have enough available cash to qualify for an aggressive loan." if ($input{casha} < $A{downp});
print "</td></tr>";
print "<tr><td colspan=4 align='center' valign='top' align='center' class='HeaderTD'>";
  print qq!<FORM METHOD=POST ACTION="pq.cgi">!;
  print qq!<INPUT TYPE="hidden" NAME="banana"  VALUE="spiders">!;
  print qq!<INPUT TYPE="hidden" NAME="c" VALUE="$input{c}">!;
  print qq!<INPUT TYPE="hidden" NAME="gmi"     VALUE="$input{gmi}">!;
  print qq!<INPUT TYPE="hidden" NAME="debt"    VALUE="$input{debt}">!;
  print qq!<INPUT TYPE="hidden" NAME="termy"   VALUE="$input{termy}">!;
  print qq!<INPUT TYPE="hidden" NAME="irate"   VALUE="$input{irate}">!;
  print qq!<INPUT TYPE="hidden" NAME="casha"   VALUE="$input{casha}">!;
  print qq!<INPUT TYPE="hidden" NAME="tax"     VALUE="0.0125">!;
  print qq!<INPUT TYPE="hidden" NAME="hins"    VALUE="0.0035">!;
  print qq!<INPUT TYPE="hidden" NAME="ccost"   VALUE="0.03">!;
  print "Try another down payment";
  print qq!<INPUT TYPE="radio" name="ltv" value="80"!;
  print "CHECKED" if ($input{ltv} == 80);
  print ">20% ";
  print qq!<INPUT TYPE="radio" name="ltv" value="90"!;
  print "CHECKED" if ($input{ltv} == 90);
  print ">10% ";
  print qq!<INPUT TYPE="radio" name="ltv" value="95"!;
  print "CHECKED" if ($input{ltv} == 95);
  print ">5%";
  print qq!&nbsp;<INPUT TYPE="submit" VALUE="Resubmit with new ratio">!;
  print "</td></tr><tr><td colspan='4'><i><b>Please Note:</b> <em>Monthly Payment is the sum of Principal, Interest, Taxes and Insurance</i></p></FORM></td></tr>";
print "</table>";

 open(INPUTFORM,"prequal/pqoutpost.html") || die "Can't open your output form-pre. $!\n";
 while(<INPUTFORM>) {
  print $_;
 }
 close INPUTFORM;
}

sub doform {
 open(INPUTFORM,"prequal/pqinpre.html") || die "Can't open your input form-pre. $!\n";
 while(<INPUTFORM>) {
  print $_;
 }
 close INPUTFORM;

#
# Insert Form here
#

print<<myForm;

<FORM METHOD=POST ACTION="pq.cgi">
<INPUT TYPE="hidden" NAME="c" VALUE="$input{c}">
<INPUT TYPE="hidden" NAME="banana"  VALUE="spiders">
<INPUT TYPE="hidden" NAME="tax"   VALUE="0.0125">
<INPUT TYPE="hidden" NAME="hins"  VALUE="0.0035">
<INPUT TYPE="hidden" NAME="ccost" VALUE="0.03">
<INPUT TYPE="hidden" NAME="ltv"   VALUE="80">
<table border=1 width="100%">
  <tr><td colspan=2><b>NOTE: Please check with Tucker Mortgage LLC; you may qualify for a special program.</b></td></tr>
  <tr><td class="HeaderTD">Gross Monthly Income</td>                          <td align="right">\$<INPUT TYPE="text"   NAME="gmi_"   SIZE="10">       </td></tr>
  <tr><td class="HeaderTD">Monthly Debt</td>                                  <td align="right">\$<INPUT TYPE="text"   NAME="debt_"  SIZE="10">       </td></tr>
  <tr><td class="HeaderTD">Term in Years</td>                                 <td align="right">  <INPUT TYPE="text"   NAME="termy"  SIZE="10">       </td></tr>
  <tr><td class="HeaderTD">Interest Rate</td>                                 <td align="right">  <INPUT TYPE="text"   NAME="irate%" SIZE="10">       </td></tr>
  <tr><td class="HeaderTD">Cash Available</td>                                <td align="right">  <INPUT TYPE="text"   NAME="casha_" SIZE="10">       </td></tr>
  <tr><td class="HeaderTD" align="center"></td>   <td class="HeaderTD" align="right"><p><INPUT TYPE="submit" VALUE="Submit"></p></td></tr>
</table>
myForm

 open(INPUTFORM,"prequal/pqinpost.html") || die "Can't open your input form-post. $!\n";
 while(<INPUTFORM>) {
  print $_;
 }
 close INPUTFORM;

 print qq!<HR><A HREF="! . &CL_http($input{c}) . qq!"><H3>Return to Home Page</H3></A>! if ($input{c});

}

MAIN:
{
#Read in all the variables set by the form.  Else, send out the input form.
 print &PrintHeader;
 if (&MethGet) {
  &ReadParse (*input);
  &doform;
  } else {
  if (! &ReadParse (*input)) {
   $in = "";
   $in = $in . "&banana=spiders";
   $in = $in . "&c=abcmortgage";
   $in = $in . "&gmi=2500";
   $in = $in . "&debt=500";
   $in = $in . "&termy=30";
   $in = $in . "&irate=8";
   $in = $in . "&casha=50000";
   $in = $in . "&tax=0.0125";
   $in = $in . "&hins=0.0035";
   $in = $in . "&ccost=0.03";
   $in = $in . "&ltv=80";
   @input = split(/&/,$in);
   foreach $i (1 .. $#input) {
    ($key, $val) = split(/=/,$input[$i],2);
    $input{$key} .= $val;
   }
  }
  $hr = &HousingRatio($input{gmi});
  $dr = &DebtRatio($input{gmi},$input{debt});

  #$C_maxpp,$C_downp,$C_irate,$C_hi,$C_pt,$C_cc,$C_monthly

  ($C{maxmort},$A{maxmort}) = &MaxMort($input{gmi},$input{debt},$input{irate},$input{termy});
  $C{downp} = &calcdeposit($input{ltv},$C{maxmort});
  $C{maxpp} = $C{maxmort} + $C{downp};
  $C{irate} = $input{irate};
  $C{hi} = $C{maxmort} * $input{hins};
  $C{pt} = $C{maxpp} * $input{tax};
  $C{cc} = $C{maxmort} * $input{ccost};
  $C{monthly} = ($hr < $dr)?($hr+($C{pt}+$C{hi})/12):($dr+($C{pt}+$C{hi})/12);
  $A{downp} = &calcdeposit($input{ltv},$A{maxmort});
  $A{maxpp} = $A{maxmort} + $A{downp};
  $A{irate} = $input{irate};
  $A{hi} = $A{maxmort} * $input{hins};
  $A{pt} = $A{maxpp} * $input{tax};
  $A{cc} = $A{maxmort} * $input{ccost};
  $A{monthly} = ($hr > $dr)?($hr+($A{pt}+$A{hi})/12):($dr+($A{pt}+$A{hi})/12);


  &doreport;

 }
}