<?php
	
	/**
	 * Project:     phpLoanCalc v1.0
	 * Files:       loan-calculator.php
	 *              loan-calculator.tpl
	 *
	 * This library is free software; you can redistribute it and/or
	 * modify it under the terms of the GNU General Public License
	 * as published by the Free Software Foundation; either version 2.1
	 * of the License, or (at your option) any later version.
     *
	 * The footer text along with the link("Powered by PC-Calculators.com") 
	 * MUST NOT BE REMOVED, otherwise any use of the software will be constituted
	 * as a breach of copyright. Please, contact hide@address.com
	 * for commercial inquiries and licensing.
	 * 
	 * This library is distributed in the hope that it will be useful,
	 * but WITHOUT ANY WARRANTY; without even the implied warranty of
	 * MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the GNU
	 * General Public License for more details.
	 *
	 * You should have received a copy of the GNU General Public License
	 * along with this software; if not, write to the Free Software
	 * Foundation, Inc., 59 Temple Place, Suite 330, Boston, MA 02111-1307 USA
	 *
	 * For questions, commercial inquiries, licensing, help, comments, discussion,
	 * etc., please contact hide@address.com
	 *
	 * @link http://www.pc-calculators.com/
	 * @copyright 2004 ArsRef, LLC.
	 * @author Arseniy Olevskiy <hide@address.com>
	 * @package phpLoanCalc
	 * @version 1.0
	 */

	/* Loading template */
	extract(load_template("loan-calculator.tpl"));
	
	/* Defining Variables */
	$periods = array(
					52 => 'Weekly',
					26 => 'Bi-weekly',
					12 => 'Monthly',
					6 => 'Bi-monthly',
					4 => 'Quarterly',
					2 => 'Semi-annually',
					1 => 'Annually'
					);
	$loan_amount     = isset($_GET["loan_amount"])     ? $_GET["loan_amount"]     : 150000;
	$loan_length     = isset($_GET["loan_length"])     ? $_GET["loan_length"]     : 10;
	$annual_interest = isset($_GET["annual_interest"]) ? $_GET["annual_interest"] : 7;
	$pay_periodicity = isset($_GET["pay_periodicity"]) ? $_GET["pay_periodicity"] : 12;
	$periodicity     = $periods[$pay_periodicity];
	
	$pay_periods = '';
	foreach($periods as $value => $name)
	{
		$selected = ($pay_periodicity == $value) ? 'selected' : '';
		$pay_periods .= replace_vars($pay_period_option);
	}
	
	/* Checking Variables */
	if(!is_numeric($loan_amount) or $loan_amount <= 0) 
		{ $error = "<p><font color=red>Loan amount</font> has to be numeric and greater than zero.</p>"; }

	if(!is_numeric($loan_length) or $loan_length <= 0) 
		{ $error = "<p><font color=red>Loan length</font> has to be numeric and greater than zero.</p>"; }

	if(!is_numeric($annual_interest) or $annual_interest <= 0) 
		{ $error = "<p><font color=red>Annual interest</font> has to be numeric and greater than zero.</p>"; }

	/*
	*----------------------------------
	*    Calculating and displaying
	*----------------------------------
	*/
	
	/* Process Loan Parameters Form in any case */
	$loan_parameters_form = replace_vars($loan_parameters_form);

	/* If no error, then begin calculations */
	if(!isset($error) && isset($_GET['action']))
	{
		$c_balance         = $loan_amount;
		$total_periods     = $loan_length * $pay_periodicity;
		$interest_percent  = $annual_interest / 100;
		$period_interest   = $interest_percent / $pay_periodicity;
	    $c_period_payment  = $loan_amount * ($period_interest / (1 - pow((1 + $period_interest), -($total_periods))));
		$total_paid        = number_format($c_period_payment * $total_periods, 2, '.', ' ');
		$total_interest    = number_format($c_period_payment * $total_periods - $loan_amount, 2, '.', ' ');
		$total_principal   = number_format($loan_amount, 2, '.', ' ');

		$loan_amount     = number_format($loan_amount, 2, '.', ' ');
		$annual_interest = number_format($annual_interest, 2, '.', ' ');
	    $period_payment  = number_format($c_period_payment, 2, '.', ' ');
		
		$amortization_table_rows = '';
		for($period = 1; $period <= $total_periods; $period++)
		{
			$c_interest  = $c_balance * $period_interest;
			$c_principal = $c_period_payment - $c_interest;
			$c_balance  -= $c_principal;
			
			$interest  = number_format($c_interest, 2, '.', ' ');
			$principal = number_format($c_principal, 2, '.', ' ');
			$balance   = number_format($c_balance, 2, '.', ' ');
			
			$evenrow_row_modifier = ($period % 2) ? '' : 'class=evenrow';

			$amortization_table_rows .= replace_vars($amortization_table_row);
		}
	}
	else
	{
		$amortization_table = '';
		$loan_summary = '';
	}
	$body = replace_vars($body);
	
	/* If headers sent, then it means that the script is used as inclusion */
	if(!headers_sent())
	{
		$send_footer = true;
		echo strip($header);
	}
	
	echo strip(replace_vars($body));

	if(isset($send_footer))
	{
		echo strip($footer);
	}
	
	/*
	*----------------------------------
	*            Functions
	*----------------------------------
	*/
	
	function replace_vars($tpl)
	{
		return preg_replace_callback("/\{(.+?)\}/", "glb", $tpl);
	}
	
	function glb($m)
	{
		if(isset($GLOBALS[$m[1]]))
		{
			return $GLOBALS[$m[1]];
		}
	}
	
	function load_template($path)
	{
		/* Loads template from file */
		$h = fopen($path, "r");
		$file = fread($h, filesize($path));
		fclose($h);
		
		preg_match_all('/<!-- BEGIN (.+?) -->(.+?)<!-- END \1 -->/is', $file, $m);
		
		for($i=0; $i<count($m[1]); $i++)
		{
			$template[$m[1][$i]] = $m[2][$i];
		}
		
		return $template;
	}

	function strip($text)
	{
		/* Removes New Line characters and multiple spaces */
	    return preg_replace('/\s+/', ' ', $text);
	}
?>