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

public class calcMortgageAffordability extends Applet {
	private final int intFillH = GridBagConstraints.HORIZONTAL;
	private final int intFillN = GridBagConstraints.NONE;
	private final int intAnchorC = GridBagConstraints.CENTER;
	private final int intAnchorE = GridBagConstraints.EAST;
	private final int intAnchorW = GridBagConstraints.WEST;
	private final Font fB15 = new Font("Arial", Font.BOLD, 15);
	private final Font fB12 = new Font("Arial", Font.BOLD, 12);
	private final Font fP12 = new Font("Arial", Font.PLAIN, 12);
	private final Font fB10 = new Font("Arial", Font.BOLD, 10);

	private Choice			lstYears, lstMonth, lstYear;
	private TextField		txtRate, txtAmt;
	private TextField		txtSalary, txtAlimony, txtStudentLoan, txtCreditCards;
	private TextField		txtAuto, txtOther;
	private Label			lblAmt, lblResult1, lblResult2, lblError;
	private Button			cmdCalc, cmdClear, cmdAmort;
	private CheckboxGroup	cbgMortAff, cbgYesNo;
	private Checkbox		chkMort, chkAff, chkYes, chkNo;
	private Panel			crdQuestion, crdIncomeDebt;
	private CardLayout		cdlQuestion, cdlIncomeDebt;
	private fraConsole		fraAmort;

	private GridBagConstraints gbc(int gx, int gy, int gw, int gh, int gf, int ga) {
		GridBagConstraints gbcTemp = new GridBagConstraints();
		gbcTemp.weightx = 100;
		gbcTemp.weighty = 100;
		gbcTemp.gridx = gx;
		gbcTemp.gridy = gy;
		gbcTemp.gridwidth = gw;
		gbcTemp.gridheight = gh;
		gbcTemp.fill = gf;
		gbcTemp.anchor = ga;
		return gbcTemp;
	}

	private void Clear() {
		txtRate.setText("");
		txtAmt.setText("");
		txtSalary.setText("");
		txtAlimony.setText("");
		txtStudentLoan.setText("");
		txtCreditCards.setText("");
		txtAuto.setText("");
		txtOther.setText("");
		lblResult2.setText("               ");
		lblError.setText("");
		lblError.setBackground(Color.white);
		cmdAmort.setVisible(false);
	}

	private double GetIncomeDebts() {
		double dblRetVal = 0;

		if ( (txtSalary.getText() == null) || (txtSalary.getText().length() == 0) ) {
			setFocus(txtSalary);
			return 0;
		}

		if ( !verifyString(txtSalary.getText(), "Salary") ) {
			setFocus(txtSalary);
			return 0;
		}

		dblRetVal = new Double(txtSalary.getText()).doubleValue() / 12;

		//Assume 28% tax bracket
		dblRetVal *= .72;

		if ( (txtAlimony.getText() != null) && (txtAlimony.getText().length() > 0) ) {
			if ( !verifyString(txtAlimony.getText(), "Alimony") ) {
				setFocus(txtAlimony);
				return 0;
			}
			else
				dblRetVal -= new Double(txtAlimony.getText()).doubleValue();
		}

		if ( (txtStudentLoan.getText() != null) && (txtStudentLoan.getText().length() > 0) ) {
			if ( !verifyString(txtStudentLoan.getText(), "Student Loan") ) {
				setFocus(txtStudentLoan);
				return 0;
			}
			else
				dblRetVal -= new Double(txtStudentLoan.getText()).doubleValue();
		}

		if ( (txtCreditCards.getText() != null) && (txtCreditCards.getText().length() > 0) ) {
			if ( !verifyString(txtCreditCards.getText(), "Credit Card") ) {
				setFocus(txtCreditCards);
				return 0;
			}
			else
				dblRetVal -= new Double(txtCreditCards.getText()).doubleValue();
		}

		if ( (txtAuto.getText() != null) && (txtAuto.getText().length() > 0) ) {
			if ( !verifyString(txtAuto.getText(), "Automobile") ) {
				setFocus(txtAuto);
				return 0;
			}
			else
				dblRetVal -= new Double(txtAuto.getText()).doubleValue();
		}

		if ( (txtOther.getText() != null) && (txtOther.getText().length() > 0) ) {
			if ( !verifyString(txtOther.getText(), "Other Payments") ) {
				setFocus(txtOther);
				return 0;
			}
			else
				dblRetVal -= new Double(txtOther.getText()).doubleValue();
		}

		if ( dblRetVal < 0 )
			dblRetVal = 0;

		txtAmt.setText(toCurrency(dblRetVal));
		return dblRetVal;
	}

	private boolean Calculate() {
		int intTerm = Integer.parseInt(lstYears.getSelectedItem().substring(0, 2)) * 12;
		double dblRetVal = 0;
		double dblPower = 1;
		double dblInterest = 0;
		double dblAmount = 0;

		clearError();
		if ( (txtRate.getText() == null) || (txtRate.getText().length() == 0) ) {
			setFocus(txtRate);
			setError("Please enter an Interest Rate");
			return false;
		}

		if ( !verifyString(txtRate.getText(), "Interest Rate") ) {
			setFocus(txtRate);
			return false;
		}
		dblInterest = new Double(txtRate.getText()).doubleValue();
		if (dblInterest <= 0) {
			setFocus(txtRate);
			setError("Please enter an Interest Rate");
			return false;
		}

		if (dblInterest > 1) {
			dblInterest /= 100;
		}
		dblInterest /= 12;

		if ( (cbgMortAff.getSelectedCheckbox() == chkAff) && (cbgYesNo.getSelectedCheckbox() == chkYes) ) {
			dblAmount = GetIncomeDebts();
		}

		if ( dblAmount == 0 ) {
			if ( (txtAmt.getText() == null) || (txtAmt.getText().length() == 0) ) {
				setFocus(txtAmt);
				setError("Please enter an Amount");
				return false;
			}
			else {
				if ( !verifyString(txtAmt.getText(), "") ) {
					setFocus(txtAmt);
					return false;
				}
				else
					dblAmount = new Double(txtAmt.getText()).doubleValue();
			}
		}

		for (int intLoop = 0; intLoop < intTerm; intLoop++)
			dblPower = dblPower * (1 + dblInterest);

		if ( cbgMortAff.getSelectedCheckbox() == chkMort ) {
			//Mortage
			dblRetVal = (dblAmount * dblPower * dblInterest) / (dblPower - 1);
		}
		else {
			//Affordability
			dblRetVal = (dblAmount * (dblPower - 1)) / (dblPower * dblInterest);
		}

		lblResult2.setText("$" + toCurrency(dblRetVal));
		lblResult2.validate();

		if ( !lstMonth.getSelectedItem().startsWith("-") &&  !lstYear.getSelectedItem().startsWith("-") ) {
			fraAmort = new fraConsole("Amortization Table");
			fraAmort.setLayout(new BorderLayout());
			fraAmort.add("Center", new calcAmortization(dblAmount, dblInterest, intTerm, dblRetVal, lstMonth.getSelectedItem(), Integer.parseInt(lstYear.getSelectedItem())));
			fraAmort.setSize(600, 500);
			cmdAmort.setVisible(true);
			validate();
		}
		return true;
	}

	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 void setError(String strError) {
		if ( lblError.getBackground() == Color.lightGray ) {
			lblError.setText(strError);
			lblError.setBackground(Color.red);
		}
	}

	private void clearError() {
		lblError.setText("");
		lblError.setBackground(Color.lightGray);
	}

	private boolean verifyString(String string, String label) {
		String strMsg1 = "Error in " + label + " Amount: ";
		String strMsg2 = "";
		String strMsg3 = " Not Permitted";

		for ( int i=0; i<string.length(); i++ ) {
			switch (string.charAt(i)) {
				case '.':
				case '0':
				case '1':
				case '2':
				case '3':
				case '4':
				case '5':
				case '6':
				case '7':
				case '8':
				case '9':
					break;
				case '$':
					strMsg2 = "Dollar Signs ($)";
					break;
				case '%':
					strMsg2 = "Percent Signs (%)";
					break;
				case ',':
					strMsg2 = "Commas (,)";
					break;
				default:
					strMsg2 = "Non-Numeric Character   " + string.substring(i, i+1) + "  ";
					break;
			}
		}

		if ( strMsg2.length() > 0 ) {
			setError(strMsg1 + strMsg2 + strMsg3);
			return false;
		}
		return true;
	}

	private void setFocus(TextField txtField) {
		txtField.requestFocus();
		txtField.selectAll();
	}

	private Panel QuestionCard() {
		Panel pnlMain = new Panel();
		Panel pnlSub = null;
		GridBagLayout gblLocal = new GridBagLayout();
		GridBagConstraints gbcLocal = null;
		Label l = null;

		cdlQuestion = new CardLayout();
		pnlMain.setLayout(cdlQuestion);

		pnlSub = new Panel();
		pnlSub.setLayout(gblLocal);
		l = new Label("If you want to see an amortization table, then select:");
		l.setFont(fB12);
		gbcLocal = gbc(0, 0, 4, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		l = new Label("a Month:", Label.RIGHT);
		l.setFont(fP12);
		gbcLocal = gbc(0, 1, 1, 1, intFillN, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		lstMonth = new Choice();
		lstMonth.addItem("---------------");
		lstMonth.addItem("Jan");
		lstMonth.addItem("Feb");
		lstMonth.addItem("Mar");
		lstMonth.addItem("Apr");
		lstMonth.addItem("May");
		lstMonth.addItem("Jun");
		lstMonth.addItem("Jul");
		lstMonth.addItem("Aug");
		lstMonth.addItem("Sep");
		lstMonth.addItem("Oct");
		lstMonth.addItem("Nov");
		lstMonth.addItem("Dec");
		lstMonth.setFont(fP12);
		gbcLocal = gbc(1, 1, 1, 1, intFillN, intAnchorW);
		gblLocal.setConstraints(lstMonth, gbcLocal);
		pnlSub.add(lstMonth);
		l = new Label(" ");
		l.setFont(fP12);
		gbcLocal = gbc(2, 1, 1, 2, intFillN, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		l = new Label("and a Year:", Label.RIGHT);
		l.setFont(fP12);
		gbcLocal = gbc(0, 2, 1, 1, intFillN, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		lstYear = new Choice();
		lstYear.addItem("-------");
		String today = (new Date()).toString();
		today = today.substring(today.length()-4);
		int year = Integer.parseInt(today);
		for (int i=0; i<5; i++ ) {
			lstYear.addItem(""+(year+i));
		}
		lstYear.setFont(fP12);
		gbcLocal = gbc(1, 2, 1, 1, intFillN, intAnchorW);
		gblLocal.setConstraints(lstYear, gbcLocal);
		pnlSub.add(lstYear);
		l = new Label(" ");
		l.setFont(fP12);
		gbcLocal = gbc(2, 2, 1, 2, intFillN, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		pnlMain.add("Mort", pnlSub);

		pnlSub = new Panel();
		pnlSub.setLayout(gblLocal);
		l = new Label("Do you want the Calculator to estimate your monthly");
		l.setFont(fB12);
		gbcLocal = gbc(0, 0, 3, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		l = new Label("mortgage payments based on your Income and Debts?");
		l.setFont(fB12);
		gbcLocal = gbc(0, 1, 3, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		l = new Label("     ");
		l.setFont(fP12);
		gbcLocal = gbc(0, 2, 1, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		cbgYesNo = new CheckboxGroup();
		chkYes = new Checkbox("Yes");
		chkYes.setCheckboxGroup(cbgYesNo);
		chkYes.setFont(fP12);
		gbcLocal = gbc(1, 2, 1, 1, intFillN, intAnchorE);
		gblLocal.setConstraints(chkYes, gbcLocal);
		pnlSub.add(chkYes);
		chkNo = new Checkbox("No");
		chkNo.setCheckboxGroup(cbgYesNo);
		chkNo.setFont(fP12);
		gbcLocal = gbc(2, 2, 1, 1, intFillN, intAnchorW);
		gblLocal.setConstraints(chkNo, gbcLocal);
		pnlSub.add(chkNo);
		cbgYesNo.setSelectedCheckbox(chkNo);
		pnlMain.add("Aff", pnlSub);

		return pnlMain;
	}

	private Panel IncomeDebtCard() {
		Panel pnlMain = new Panel();
		Panel pnlSub = null;
		GridBagLayout gblLocal = new GridBagLayout();
		GridBagConstraints gbcLocal = null;
		Label l = null;

		cdlIncomeDebt = new CardLayout();
		pnlMain.setLayout(cdlIncomeDebt);

		pnlSub = new Panel();
		pnlSub.setLayout(gblLocal);
		for (int y=0; y<6; y++) {
			for (int x=0; x<2; x++) {
				l = new Label("     ", Label.RIGHT);
				l.setFont(fP12);
				gbcLocal = gbc(x, y, 1, 1, intFillH, intAnchorE);
				gblLocal.setConstraints(l, gbcLocal);
				pnlSub.add(l);
			}
		}
		pnlMain.add("No", pnlSub);

		pnlSub = new Panel();
		pnlSub.setLayout(gblLocal);
		l = new Label("Annual Salary: $", Label.RIGHT);
		l.setFont(fP12);
		gbcLocal = gbc(0, 0, 1, 1, intFillH, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		l = new Label("Monthly Alimony Payments: $", Label.RIGHT);
		l.setFont(fP12);
		gbcLocal = gbc(0, 1, 1, 1, intFillH, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		l = new Label("Monthly Student Loan Payments: $", Label.RIGHT);
		l.setFont(fP12);
		gbcLocal = gbc(0, 2, 1, 1, intFillH, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		l = new Label("Monthly Credit Card Payments: $", Label.RIGHT);
		l.setFont(fP12);
		gbcLocal = gbc(0, 3, 1, 1, intFillH, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		l = new Label("Monthly Car Payments: $", Label.RIGHT);
		l.setFont(fP12);
		gbcLocal = gbc(0, 4, 1, 1, intFillH, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		l = new Label("Other Monthly Payments: $", Label.RIGHT);
		l.setFont(fP12);
		gbcLocal = gbc(0, 5, 1, 1, intFillH, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		pnlSub.add(l);
		txtSalary = new TextField(10);
		txtSalary.setFont(fP12);
		txtSalary.setBackground(Color.white);
		gbcLocal = gbc(1, 0, 1, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(txtSalary, gbcLocal);
		pnlSub.add(txtSalary);
		txtAlimony = new TextField(10);
		txtAlimony.setFont(fP12);
		txtAlimony.setBackground(Color.white);
		gbcLocal = gbc(1, 1, 1, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(txtAlimony, gbcLocal);
		pnlSub.add(txtAlimony);
		txtStudentLoan = new TextField(10);
		txtStudentLoan.setFont(fP12);
		txtStudentLoan.setBackground(Color.white);
		gbcLocal = gbc(1, 2, 1, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(txtStudentLoan, gbcLocal);
		pnlSub.add(txtStudentLoan);
		txtCreditCards = new TextField(10);
		txtCreditCards.setFont(fP12);
		txtCreditCards.setBackground(Color.white);
		gbcLocal = gbc(1, 3, 1, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(txtCreditCards, gbcLocal);
		pnlSub.add(txtCreditCards);
		txtAuto = new TextField(10);
		txtAuto.setFont(fP12);
		txtAuto.setBackground(Color.white);
		gbcLocal = gbc(1, 4, 1, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(txtAuto, gbcLocal);
		pnlSub.add(txtAuto);
		txtOther = new TextField(10);
		txtOther.setFont(fP12);
		txtOther.setBackground(Color.white);
		gbcLocal = gbc(1, 5, 1, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(txtOther, gbcLocal);
		pnlSub.add(txtOther);
		pnlMain.add("Yes", pnlSub);

		return pnlMain;
	}

	private Panel CommandPanel() {
		Panel pnlMain = new Panel();
		GridBagLayout gblLocal = new GridBagLayout();
		GridBagConstraints gbcLocal = null;

		pnlMain.setLayout(gblLocal);


		cmdCalc = new Button("Calculate");
		cmdCalc.setFont(fB12);
		gbcLocal = gbc(0, 0, 1, 1, intFillN, intAnchorC);
		gblLocal.setConstraints(cmdCalc, gbcLocal);
		pnlMain.add(cmdCalc);

		cmdClear = new Button("Clear");
		cmdClear.setFont(fB12);
		gbcLocal = gbc(1, 0, 1, 1, intFillN, intAnchorC);
		gblLocal.setConstraints(cmdClear, gbcLocal);
		pnlMain.add(cmdClear);

		cmdAmort = new Button("View Table");
		cmdAmort.setFont(fB12);
		gbcLocal = gbc(2, 0, 1, 1, intFillN, intAnchorC);
		gblLocal.setConstraints(cmdAmort, gbcLocal);
		pnlMain.add(cmdAmort);
		cmdAmort.setVisible(false);

		return pnlMain;
	}

	public String getAppletInfo() {
		return "Name: Mortgage/Affordability Calculator\r\n" +
		       "Author: Joe Sweeney\r\n" +
		       "Created with Microsoft Visual J++ Version 1.1";
	}

	public boolean action(Event  evt, Object  what) {
		if ( evt.target instanceof Checkbox ) {
			if ( evt.target == chkMort ) {
				txtAmt.setEnabled(true);
				lblAmt.setEnabled(true);
				lblAmt.setText("Principal: $");
				lblResult1.setText("Your monthly mortgage would be:");
				cdlQuestion.show(crdQuestion, "Mort");
				cdlIncomeDebt.show(crdIncomeDebt, "No");
				cbgYesNo.setSelectedCheckbox(chkNo);
				return true;
			}
			else if ( evt.target == chkAff ) {
				lblAmt.setText("Monthly Payment: $");
				lblResult1.setText("The amount you could borrow is:");
				cdlQuestion.show(crdQuestion, "Aff");
				return true;
			}
			else if ( evt.target == chkYes ) {
				txtAmt.setEnabled(false);
				lblAmt.setEnabled(false);
				cdlIncomeDebt.show(crdIncomeDebt, "Yes");
				return true;
			}
			else if ( evt.target == chkNo ) {
				txtAmt.setEnabled(true);
				lblAmt.setEnabled(true);
				cdlIncomeDebt.show(crdIncomeDebt, "No");
				return true;
			}
		}
		else if ( evt.target instanceof Button ) {
			if ( evt.target == cmdCalc ) {
				Calculate();
				validate();
				return true;
			}
			else if ( evt.target == cmdClear ) {
				Clear();
				return true;
			}
			else if ( evt.target == cmdAmort ) {
				fraAmort.show();
			}
		}
		else if ( evt.target instanceof Choice ) {
			return true;
		}
		return true;
	}

	public void init() {
		Panel p;
		Label l;

		GridBagLayout gblLocal = null;
		GridBagConstraints gbcLocal = null;

		gblLocal = new GridBagLayout();
		setLayout(gblLocal);
		setBackground(Color.lightGray);

		int[] aY = {0, 2, 13, 15, 18};

		for (int x=0; x<25; x++) {
			for (int y=0; y<aY.length; y++) {
				l = new Label(" ");
				l.setFont(fP12);
				gbcLocal = gbc(x, aY[y], 1, 1, intFillH, intAnchorW);
				gblLocal.setConstraints(l, gbcLocal);
				add(l);
			}
		}

		l = new Label("Mortgage and Affordability Calculator", Label.CENTER);
		l.setFont(fB15);
		l.setBackground(Color.white);
		gbcLocal = gbc(2, 1, 21, 1, intFillH, intAnchorC);
		gblLocal.setConstraints(l, gbcLocal);
		add(l);

		l = new Label("What would you like to Calculate?");
		l.setFont(fB12);
		gbcLocal = gbc(2, 3, 10, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(l, gbcLocal);
		add(l);

		cbgMortAff = new CheckboxGroup();
		chkMort = new Checkbox("Monthly Mortgage Payments");
		chkMort.setCheckboxGroup(cbgMortAff);
		chkMort.setFont(fP12);
		gbcLocal = gbc(4, 4, 8, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(chkMort, gbcLocal);
		add(chkMort);

		chkAff = new Checkbox("How Much I Can Afford to Borrow");
		chkAff.setCheckboxGroup(cbgMortAff);
		chkAff.setFont(fP12);
		gbcLocal = gbc(4, 5, 8, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(chkAff, gbcLocal);
		add(chkAff);

		cbgMortAff.setSelectedCheckbox(chkMort);

		crdQuestion = QuestionCard();
		gbcLocal = gbc(13, 3, 10, 3, intFillH, intAnchorW);
		gblLocal.setConstraints(crdQuestion, gbcLocal);
		cdlQuestion.show(crdQuestion, "Mort");
		add(crdQuestion);

		l = new Label("Please Enter the Following:");
		l.setFont(fB12);
		gbcLocal = gbc(2, 6, 21, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(l, gbcLocal);
		add(l);

		l = new Label("Number of Years:  ", Label.RIGHT);
		l.setFont(fP12);
		gbcLocal = gbc(4, 7, 5, 1, intFillH, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		add(l);

		lstYears = new Choice();
		lstYears.setFont(fP12);
		lstYears.addItem("10 Years");
		lstYears.addItem("15 Years");
		lstYears.addItem("20 Years");
		lstYears.addItem("25 Years");
		lstYears.addItem("30 Years");
		gbcLocal = gbc(9, 7, 4, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(lstYears, gbcLocal);
		add(lstYears);

		l = new Label("Interest Rate: %", Label.RIGHT);
		l.setFont(fP12);
		gbcLocal = gbc(4, 8, 5, 1, intFillH, intAnchorE);
		gblLocal.setConstraints(l, gbcLocal);
		add(l);

		txtRate = new TextField(10);
		txtRate.setFont(fP12);
		txtRate.setBackground(Color.white);
		gbcLocal = gbc(9, 8, 4, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(txtRate, gbcLocal);
		add(txtRate);

		lblAmt = new Label("Principal: $", Label.RIGHT);
		gbcLocal = gbc(4, 9, 5, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(lblAmt, gbcLocal);
		lblAmt.setFont(fP12);
		add(lblAmt);

		txtAmt = new TextField(10);
		txtAmt.setFont(fP12);
		txtAmt.setBackground(Color.white);
		gbcLocal = gbc(9, 9, 4, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(txtAmt, gbcLocal);
		add(txtAmt);

		crdIncomeDebt = IncomeDebtCard();
		gbcLocal = gbc(13, 7, 10, 6, intFillH, intAnchorW);
		gblLocal.setConstraints(crdIncomeDebt, gbcLocal);
		cdlIncomeDebt.show(crdIncomeDebt, "No");
		add(crdIncomeDebt);

		l = new Label(" ");
		gbcLocal = gbc(4, 10, 9, 2, intFillH, intAnchorW);
		gblLocal.setConstraints(l, gbcLocal);
		l.setFont(fP12);
		add(l);

		p = CommandPanel();
		gbcLocal = gbc(2, 12, 6, 1, intFillH, intAnchorC);
		gblLocal.setConstraints(p, gbcLocal);
		add(p);

		lblResult1 = new Label("Your monthly mortgage would be:");
		lblResult1.setFont(fB12);
		gbcLocal = gbc(2, 14, 10, 1, intFillH, intAnchorE);
		gblLocal.setConstraints(lblResult1, gbcLocal);
		add(lblResult1);

		lblResult2 = new Label("               ");
		lblResult2.setFont(fB12);
		lblResult2.setBackground(Color.white);
		gbcLocal = gbc(13, 14, 10, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(lblResult2, gbcLocal);
		add(lblResult2);

		lblError = new Label(" ");
		lblError.setFont(fB12);
		gbcLocal = gbc(2, 16, 21, 1, intFillH, intAnchorW);
		gblLocal.setConstraints(lblError, gbcLocal);
		add(lblError);

		l = new Label("NOTE: These calculations do not include PITI or Closing Costs", Label.CENTER);
		l.setFont(fB10);
		l.setBackground(Color.white);
		gbcLocal = gbc(2, 17, 21, 1, intFillH, intAnchorC);
		gblLocal.setConstraints(l, gbcLocal);
		add(l);
  }
}