import java.awt.*;
import java.util.Date;

public class calcAmortization extends Panel {
	public calcAmortization(double dblPrinBal, double dblIntRate, int intTerm, double dblMthPmt, String strMonth, int intYear) {
		long lngStart = (new Date()).getTime();
		Font f;
		Label l;
		double dblTotInt = 0;
		String strMonths = "JanFebMarAprMayJunJulAugSepOctNovDec";
		int intMonth = strMonths.indexOf(strMonth) / 3;
		String strNewLine = "";

		setLayout(new BorderLayout());
		
		f = new Font("Courier", Font.BOLD, 11);

		l = new Label("PMT#   PMT-DATE   -INTEREST-   --PRINCIPAL--   ---BALANCE---   CUME-INTEREST");
		l.setFont(f);
		add("North", l);

		f = new Font("Courier", Font.PLAIN, 12);
		TextArea taAmort = new TextArea(10, 65);
		taAmort.setFont(f);
		add("Center", taAmort);

		dblPrinBal = FixPosition(dblPrinBal);
		for (int i=0; i<intTerm; i++) {
			String temp = prePad("" + (i+1), 4) + "   ";
			temp += strMonths.substring(intMonth*3, intMonth*3+3);
			intMonth = (intMonth + 1) % 12;
			temp += " " + intYear;
			if ( intMonth == 0 )
				intYear++;
			double dblIntPmt = FixPosition(dblPrinBal * dblIntRate);
			double dblPrnPmt = FixPosition(dblMthPmt - dblIntPmt);
			dblPrinBal -= FixPosition(dblPrnPmt);
			if ( dblPrinBal < 0 ) {
				dblPrnPmt += FixPosition(dblPrinBal);
				dblPrinBal = 0;
			}
			dblTotInt += FixPosition(dblIntPmt);
			temp += prePad("$" + toCurrency(dblIntPmt), 13);
			temp += prePad("$" + toCurrency(dblPrnPmt), 16);
			temp += prePad("$" + toCurrency(dblPrinBal), 16);
			temp += prePad("$" + toCurrency(dblTotInt), 16);
			taAmort.appendText(temp + "\r\n");
		}
		System.out.println( "Amortization Time = " + ((new Date()).getTime()-lngStart) + " milliseconds" );
	}

	private String toCurrency(double dblValue) {
		String strRetVal = "";
		String string = "" + dblValue;
		if ( string.indexOf(".") < 0 )
			string += ".";
		string += "000";
		strRetVal = string.substring(string.indexOf("."), string.indexOf(".") + 3);
		string = string.substring(0, string.indexOf("."));
		if ( string.length() > 3 ) {
			strRetVal = string.substring(string.length()-3) + strRetVal;
			string = string.substring(0, string.length()-3);
			while ( string.length() > 3 ) {
				strRetVal = string.substring(string.length()-3) + "," + strRetVal;
				string = string.substring(0, string.length()-3);
			}
			strRetVal = string + "," + strRetVal;
		}
		else {
			strRetVal = string + strRetVal;
		}
		return strRetVal;
	}

	private String prePad(String string, int size) {
		String strSpaces = "             ";
		String strRetVal = strSpaces.substring(0, size - string.length()) + string;
		return strRetVal;
	}

	private double FixPosition(double amt) {
		return ((double)(Math.round(amt * 100))) /100;
	}

}