KJE.Default.InflationRate = 3;
KJE.Default.TaxRate = 40;
KJE.Default.TaxRateRetire = 15;
KJE.definitions.set("**INFLATION_DEFINITION**", "What you expect for the average long-term inflation rate.");
KJE.definitions.set("**ROR_DEFINITION**", "The actual rate of return is largely dependent on the type of investments you select. For example, for the last thirty years the average annual rate of return for the TSX is about 10%. Savings accounts at a bank or credit union may pay as little as 2% or less.  It is important to remember that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.");
KJE.Default.PAY_WEEKLY = 0;
KJE.Default.PAY_ACCEL_WEEK = 1;
KJE.Default.PAY_ACCEL_BI = 2;
KJE.Default.PAY_BIWEEKLY = 3;
KJE.Default.PAY_2XMONTHLY = 4;
KJE.Default.PAY_MONTHLY = 5;
KJE.Default.PAY_QUARTERLY = 6;
KJE.Default.PAY_SEMIANNUAL = 7;
KJE.Default.PAY_ANNUAL = 8;
KJE.Default.getPayDrop = function(c, b, g) {
    KJE.Default.PAY_PERIOD_IDs = KJE.parameters.get("ARRAY_PAY_PERIODS_IDS", [KJE.Default.PAY_WEEKLY, KJE.Default.PAY_ACCEL_WEEK, KJE.Default.PAY_ACCEL_BI, KJE.Default.PAY_BIWEEKLY, KJE.Default.PAY_2XMONTHLY, KJE.Default.PAY_MONTHLY]);
    KJE.Default.PAY_PERIODS = KJE.parameters.get("ARRAY_PAY_PERIODS", ["weekly", "accelerated weekly", "accelerated bi-weekly", "bi-weekly", "semi-monthly", "monthly", "quarterly", "semi-annual", "annual"]);
    KJE.Default.PAY_PERIODS_TITLE = KJE.parameters.get("ARRAY_PAY_PERIODS_TITLE", ["Weekly", "Accelerated weekly", "Accelerated bi-weekly", "Bi-weekly", "Semi-monthly", "Monthly", "Quarterly", "Semi-annual", "Annual"]);
    KJE.Default.PAY_FREQUENCY = [52, 12, 12, 26, 24, 12, 4, 2, 1];
    KJE.Default.PAY_FREQUENCY_ACCELERATED = [52, 52, 26, 26, 24, 12, 4, 2, 1];
    KJE.Default.PAY_ACCELERATED = [false, true, true, false, false, false, false, false, false];
    var a = KJE.Default.PAY_PERIOD_IDs;
    var f = a.length;
    var e = KJE.Default.PAY_PERIODS_TITLE;
    var d = new Array(f);
    for (i = 0; i < f; i++) {
        d[i] = e[a[i]]
    }
    return KJE.getDropBox(c, KJE.parameters.get(c, (!b ? KJE.Default.PAY_LOAN_IDs : b)), a, d, g)
};
KJE.CAMortgageLoanCalc = function() {
    this.bUSE_CAMORTGAGE = KJE.parameters.get("USE_CAMORTGAGE", true);
    this.MSG_PREPAY_TERM_BALANCE = KJE.parameters.get("MSG_PREPAY_TERM_BALANCE", "PREPAY_BALANCE_TERM_END");
    this.MSG_TERM_ERROR1 = KJE.parameters.get("MSG_TERM_ERROR1", "Term must be less than or equal to KJE1 years.");
    this.MSG_TERM_ERROR2 = KJE.parameters.get("MSG_TERM_ERROR2", "Term must be greater than or equal to 1 month.");
    this.MSG_POP_PRINCIPAL = KJE.parameters.get("MSG_POP_PRINCIPAL", "Total Principal for");
    this.MSG_POP_INTEREST = KJE.parameters.get("MSG_POP_INTEREST", "Total Interest for");
    this.MSG_PRINCIPAL = KJE.parameters.get("MSG_PRINCIPAL", "Principal");
    this.MSG_INTEREST = KJE.parameters.get("MSG_INTEREST", "Interest");
    this.MSG_PRINCIPAL_BALANCE = KJE.parameters.get("MSG_PRINCIPAL_BALANCE", "Principal Balance");
    this.MSG_POP_PRINCIPAL_NORMAL = KJE.parameters.get("MSG_POP_PRINCIPAL_NORMAL", "Principal Balance for Normal Payments Year");
    this.MSG_POP_PRINCIPAL_PREPAY = KJE.parameters.get("MSG_POP_PRINCIPAL_PREPAY", "Principal Balance for Prepayments Year");
    this.MSG_ERROR2 = KJE.parameters.get("MSG_ERROR2", "Prepayment amount must not be more than the loan amount.");
    this.MSG_ERROR3 = KJE.parameters.get("MSG_ERROR3", "Purchase price must be more than the entered loan amount.");
    this.bIO = KJE.parameters.get("INTEREST_ONLY", false);
    this.bEND_BALANCE = KJE.parameters.get("END_BALANCE", false);
    this.IO_TERM = 0;
    this.MSG_RETURN1 = KJE.parameters.get("MSG_RETURN1", "A KJE1 payment of MONTHLY_PI at INTEREST_RATE for TERM years will give you a mortgage amount of LOAN_AMOUNT.");
    this.MSG_RETURN2 = KJE.parameters.get("MSG_RETURN2", "A loan amount of LOAN_AMOUNT at INTEREST_RATE for TERM years will give you a KJE1 payment (PI) of MONTHLY_PI.");
    this.MSG_PREPAY_MESSAGE = KJE.parameters.get("MSG_PREPAY_MESSAGE", "Your planned prepayment(s) will shorten your mortgage by PREPAY_SHORTEN_TERM.");
    this.MSG_RETURN_AMOUNT = KJE.parameters.get("MSG_RETURN_AMOUNT", "A monthly payment of MONTHLY_PI at INTEREST_RATE for TERM years will give you a mortgage amount of LOAN_AMOUNT.");
    this.MSG_PREPAYMENTS = KJE.parameters.get("MSG_PREPAYMENTS", "Prepayments");
    this.MSG_NORMAL_PAYMENTS = KJE.parameters.get("MSG_NORMAL_PAYMENTS", "Normal");
    this.PREPAY_PAYOFF_MESSAGE = KJE.parameters.get("PREPAY_PAYOFF_MESSAGE", "<br>PREPAY_PAYOFF years with prepayments");
    this.PAYMENT_CALC = 1;
    this.LOAN_PAYMENT = 0;
    this.MORTGAGE_YRS_LEFT = 0;
    this.bMORTGAGE_INSURANCE = false;
    this.sSchedule = new KJE.Repeating()
};
KJE.CAMortgageLoanCalc.prototype.clear = function() {
    this.INTEREST_RATE = 0;
    this.TERM = 0;
    this.ENTERED_MONTHS = 0;
    this.LOAN_AMOUNT = 0;
    this.PREPAY_AMOUNT = 0;
    this.PREPAY_STARTS_WITH = 1;
    this.PREPAY_TYPE = KJE.Default.PREPAY_NONE;
    this.PAYMENT_TYPE = KJE.Default.PAY_MONTHLY;
    this.PURCHASE_PRICE = 0;
    this.DISCOUNT_POINTS_PERCENT = 0;
    this.ORIGINATION_FEES_PERCENT = 0;
    this.OTHER_FEES = 0;
    this.ADJUSTABLE_RATE_CAP = 0;
    this.ADJUSTABLE_RATE_INCR = 0;
    this.ADJUSTABLE_RATE = 0;
    this.ADJUSTABLE_RATE_FEQ = 12;
    this.MORTGAGE_INSURANCE_PREMIUM = 0;
    this.LOAN_TERM_END = KJE.Default.MortgageTermEnds;
    this.BY_YEAR = 1
};
KJE.CAMortgageLoanCalc.prototype.calculate = function(e) {
    var ao = KJE;
    var aC = this.INTEREST_RATE;
    var F = this.TERM;
    var C = this.ENTERED_MONTHS;
    var aD = this.LOAN_AMOUNT;
    var A = this.PREPAY_AMOUNT;
    var aI = this.PREPAY_STARTS_WITH;
    var h = this.PREPAY_TYPE;
    var N = this.PURCHASE_PRICE;
    var G = this.DISCOUNT_POINTS_PERCENT;
    var aa = this.ORIGINATION_FEES_PERCENT;
    var H = this.OTHER_FEES;
    var E = this.ADJUSTABLE_RATE_CAP;
    var x = this.ADJUSTABLE_RATE_INCR;
    var b = this.ADJUSTABLE_RATE;
    var av = this.ADJUSTABLE_RATE_FEQ;
    var T = this.BY_YEAR;
    var ar = this.PAYMENT_TYPE;
    var aJ = this.MORTGAGE_YRS_LEFT;
    var aU = KJE.Default.MortgageTermMax;
    var t = this.bEND_BALANCE;
    var D = this.LOAN_TERM_END;
    var g = 0;
    var S = 0;
    var ae = 0;
    var aK = 0;
    var f = "";
    var ac = 0;
    var B = 0;
    var ay = 0;
    var aM = 0;
    var d = 0;
    var af = 0;
    var aB = 0;
    var aQ = "";
    var ag = 0;
    var z = 0;
    if (this.bIO) {
        var J = F;
        this.TERM = F = KJE.Default.IO_TERMS[J] + KJE.Default.IO_AMORTS[J];
        this.IO_TERM = KJE.Default.IO_TERMS[J]
    }
    var O = this.PAYMENTS_PER_YEAR = KJE.Default.PAY_FREQUENCY[ar];
    if (F * O + C > aU * O) {
        throw (KJE.getKJEReplaced(this.MSG_TERM_ERROR1, ao.input(aU, 0)))
    }
    if (F * O + C <= 0) {
        throw (this.MSG_TERM_ERROR2)
    }
    if (aJ != 0) {
        this.PREPAY_STARTS_WITH = aI = 1 + (F - aJ) * O
    }
    var L = KJE.Default.PREPAY_FREQUENCY[h];
    var P = Math.floor(C == 0 ? 0 : (C / 12) * O);
    var aE = P;
    var aF = this.getPeriodRate(aC, O);
    var M = true;
    if (N == 0) {
        N = aD;
        M = false
    } else {
        if (N < aD) {
            throw (this.MSG_ERROR3)
        }
    }
    var o = (G / 100) * aD;
    var ap = (aa / 100) * aD;
    var aV = o + ap + H;
    var al = 1 - (aD / N);
    var j = N - aD;
    var ax = (aD / N);
    if (KJE.Default.getCMHCRate) {
        this.RATE_CMHC = KJE.Default.getCMHCRate(aD, j, N, false, F);
        this.TOTAL_ACTUAL_CMHC = aD * this.RATE_CMHC;
        this.RATE_CMHC = (this.bMORTGAGE_INSURANCE ? this.RATE_CMHC : 0);
        this.TOTAL_CMHC = aD * this.RATE_CMHC;
        aD = aD + this.TOTAL_CMHC
    }
    if (this.PAYMENT_CALC == 0) {
        if (this.bIO) {
            aD = Math.round(KJE.PV(aF, F * O + P, g))
        } else {
            aD = Math.round(g / aF)
        }
        this.sReturnMessage = KJE.getKJEReplaced(this.MSG_RETURN1, KJE.Default.PAY_PERIODS[ar])
    } else {
        if (KJE.Default.PAY_ACCELERATED[ar]) {
            if (this.bIO) {
                g = ao.round(aD * aF, 2)
            } else {
                g = ao.round(KJE.PMT(aF, F * O + P, aD), 2)
            }
            this.PAYMENTS_PER_YEAR = O = KJE.Default.PAY_FREQUENCY_ACCELERATED[ar];
            P = Math.floor(C == 0 ? 0 : (C / 12) * O);
            aF = this.getPeriodRate(aC, O);
            g = ao.round(((g * 13) / O), 2)
        } else {
            if (this.bIO) {
                g = ao.round(aD * aF, 2)
            } else {
                g = ao.round(KJE.PMT(aF, F * O + P, aD), 2)
            }
        }
        this.sReturnMessage = KJE.getKJEReplaced(this.MSG_RETURN2, KJE.Default.PAY_PERIODS[ar])
    }
    if (A > aD) {
        throw (KJE.replace("LOAN_AMOUNT", ao.dollars(aD), this.MSG_ERROR2))
    }
    var Q = ao.round(aD * aF, 2);
    var ai = g - Q;
    var aN = KJE.APR(F * O + P, g, aF, aD, aV) * O;
    var aL = ao.round(KJE.PMT(aF, F * O + P, aD + aV), 2);
    var c = aD + aV;
    var am = Math.round(F) + 1;
    if (F < 4) {
        am = Math.round(F * O + P) + 1
    } else {
        if (P > 0) {
            am += 1
        }
    }
    var ah = 0;
    var aq = this.DS_PRINCIPAL_BAL = KJE.FloatArray(am);
    var aj = this.DS_PREPAY_PRINCIPAL_BAL = KJE.FloatArray(am);
    var y = this.DS_PREPAY_INTEREST = KJE.FloatArray(am);
    var ak = this.DS_NORMAL_INTEREST = KJE.FloatArray(am);
    var l = this.cats = KJE.FloatArray(am);
    if (P != 0) {
        if (F > 4) {
            l[am - 1] = ao.number(F + 1)
        } else {
            l[am - 1] = ao.number(F * 12 + P)
        }
    }
    var k = true;
    var aP = aD;
    var az = 0;
    var an = 0;
    var aS = 0;
    var p = 0;
    var Z = 0;
    var aA = g;
    var aO = 0;
    var v = 0;
    var aw = aD;
    var ad = 0;
    var Y = 0;
    var m = 0;
    var aT = 0;
    var w = 0;
    var I = g;
    if (h == KJE.Default.PREPAY_NONE) {
        k = false
    }
    if (aI == 0) {
        aI = 1
    }
    var X = 0;
    l[X] = "0";
    aj[X] = (aD);
    aq[X] = (aD);
    y[X] = (0);
    ak[X] = (0);
    X += 1;
    if (e) {
        var U = this.sSchedule;
        U.clearRepeat();
        if (k) {
            U.addHeader("&nbsp;", {
                sCell: KJE._sHeadingUnderline,
                sContent: U.sReportCol("Regular Payment Schedule", 1),
                sFormat: "COLSPAN=3"
            }, {
                sCell: KJE._sHeadingUnderline,
                sContent: U.sReportCol("Prepayment Payment Schedule", 2),
                sFormat: "COLSPAN=3"
            })
        }
        if ((!T || F < 4) && k) {
            U.addHeader(U.sReportCol("Nbr", 3), U.sReportCol("Payment", 4), U.sReportCol("Interest", 6), U.sReportCol("Ending Principal Balance", 7), U.sReportCol("Payment", 4), U.sReportCol("Interest", 6), U.sReportCol("Ending Principal Balance", 7))
        } else {
            if ((!T || F < 4) && !k) {
                U.addHeader(U.sReportCol("Nbr", 3), U.sReportCol("Payment", 4), U.sReportCol("Principal", 5), U.sReportCol("Interest", 6), U.sReportCol("Ending Principal Balance", 7))
            } else {
                if (T && k) {
                    U.addHeader(U.sReportCol("Yr ", 8), U.sReportCol("Total Payments", 9), U.sReportCol("Interest Paid", 10), U.sReportCol("Ending Principal Balance", 7), U.sReportCol("Total Payments", 9), U.sReportCol("Interest Paid", 10), U.sReportCol("Ending Principal Balance", 7))
                } else {
                    U.addHeader(U.sReportCol("Year", 8), U.sReportCol("Total Payments", 9), U.sReportCol("Principal Paid", 11), U.sReportCol("Interest Paid", 10), U.sReportCol("Ending Principal Balance", 7))
                }
            }
        }
        if (k) {
            U.addRepeat("&nbsp;", "&nbsp;", "&nbsp;", ao.dollars(aw, 2), (h == KJE.Default.PREPAY_ONETIME && aI == 0 ? ao.dollars(A, 2) : ""), "&nbsp;", "&nbsp;", ao.dollars(aP, 2))
        } else {
            U.addRepeat("&nbsp;", "&nbsp;", "&nbsp;", "&nbsp;", ao.dollars(aw, 2))
        }
    }
    var aG = g;
    var au = g;
    var K = g;
    var aR = aC / 100;
    var W = aC / 100;
    if (b && x != 0) {
        if (this.sAdjSchedule == null) {
            this.sAdjSchedule = new KJE.Repeating()
        }
        var u = this.sAdjSchedule;
        u.clearRepeat();
        u.addHeader(u.sReportCol("Payment Number", 12), u.sReportCol("Interest Rate", 13), u.sReportCol("Monthly Payment", 14));
        u.addRepeat("1", ao.percent(W, 2), ao.dollars(g, 2))
    }
    for (var ab = 1; ab <= (F * O + P); ab++) {
        ah = ab - 1;
        if (((ah % av) == 0 && ab != 1 && b == 1 && ab != (F * O + P) && x != 0) || (this.bIO && this.IO_TERM * O == ab - 1)) {
            W += x / 100;
            if (W > E / 100 && E != 0) {
                W = E / 100
            }
            if (W < 0.02) {
                W = 0.02
            }
            if (W != aR || this.bIO) {
                aR = W;
                aF = (Math.pow(1 + (W / 2), (1 / (O / 2))) - 1);
                K = ao.round(KJE.PMT(aF, (F * O + P) + 1 - ab, aw), 2);
                au = ao.round(KJE.PMT(aF, (F * O + P) + 1 - ab, aP), 2);
                if (aG < K) {
                    aG = K
                }
                if (b && x != 0) {
                    u.addRepeat(ab, ao.percent(W, 2), ao.dollars(K, 2))
                }
            }
        }
        aA = au;
        I = K;
        aO = 0;
        if (k && (aI <= ab)) {
            if (h == KJE.Default.PREPAY_ONETIME && aI == ab) {
                aO = A
            } else {
                if (h == KJE.Default.PREPAY_YEARLY) {
                    if (((ab - aI) % O) == 0) {
                        aO = A
                    }
                } else {
                    if (h == KJE.Default.PREPAY_NONE) {} else {
                        aO = (O == L ? A : (A * KJE.Default.PREPAY_FREQUENCY[h]) / O)
                    }
                }
            }
            aO = ao.round(aO, 2)
        }
        ad = ao.round(aF * aw, 2);
        Y = I - ad;
        aw -= Y;
        if (aw < 0) {
            I += aw;
            aw = 0;
            Y = I - ad
        }
        if ((F * O + P) == ab) {
            if (t) {} else {
                if (aw > 0.005) {
                    I += aw;
                    aw = 0;
                    Y = I - ad
                } else {
                    aw = 0
                }
            }
        }
        az = ao.round(aF * aP, 2);
        an = aA + aO - az;
        aP -= an;
        if (aP < 0) {
            aO += aP;
            if (aO < 0) {
                aA += aO;
                aO = 0
            }
            aP = 0;
            an = aA + aO - az
        }
        if ((F * O + P) == ab) {
            if (t) {} else {
                if (aP > 0.005) {
                    aA += aP;
                    aP = 0;
                    an = aA + aO - az
                } else {
                    aP = 0
                }
            }
        }
        if (D * O == ab) {
            ag = aP;
            z = aw
        }
        if (aP == 0 && ay == 0) {
            ay = ab
        }
        if (aw == 0 && af == 0) {
            af = ab
        }
        aS += az;
        p += an;
        Z += aA;
        v += aO;
        ac += aA + aO;
        B += az;
        m += ad;
        aT += Y;
        w += I;
        ae += I;
        S += ad;
        if (!T && e) {
            if (k) {
                U.addRepeat(ao.number(ab), ao.dollars(I, 2), ao.dollars(ad, 2), ao.dollars(aw, 2), ao.dollars(aO + aA, 2), ao.dollars(az, 2), ao.dollars(aP, 2))
            } else {
                U.addRepeat(ao.number(ab), ao.dollars(I, 2), ao.dollars(Y, 2), ao.dollars(ad, 2), ao.dollars(aw, 2))
            }
        }
        if ((ab % O) == 0 || (F < 4) || (ab == (F * O + P) && P > 0)) {
            l[X] = "" + X;
            aj[X] = aP;
            aq[X] = aw;
            y[X] = B;
            ak[X] = S;
            X += 1;
            if (T && e) {
                var aH = (F < 4 ? ab : (ab / O + (ab == F * O + P && P > 0 ? 1 : 0)));
                if (k) {
                    U.addRepeat(ao.number(aH), ao.dollars(w, 2), ao.dollars(m, 2), ao.dollars(aw, 2), ao.dollars(Z + v, 2), ao.dollars(aS, 2), ao.dollars(aP, 2))
                } else {
                    U.addRepeat(ao.number(aH), ao.dollars(w, 2), ao.dollars(aT, 2), ao.dollars(m, 2), ao.dollars(aw, 2))
                }
            }
            m = 0;
            aT = 0;
            w = 0;
            aS = 0;
            p = 0;
            Z = 0;
            v = 0
        }
    }
    if (b && x != 0) {
        f = u.getRepeat();
        u.clearRepeat()
    }
    if (af == 0) {
        af = (F * O + P)
    }
    var V = 1;
    if (k) {
        V = 2
    }
    var at = this.DS_INTEREST = KJE.FloatArray(V);
    var a = this.DS_PRINCIPAL = KJE.FloatArray(V);
    var R = this.totalpaid_cats = new Array(V);
    at[0] = S;
    a[0] = aD;
    a[0] = (t ? ae - S : aD);
    R[0] = this.MSG_NORMAL_PAYMENTS;
    if (k) {
        at[1] = B;
        a[1] = (t ? ac - B : aD);
        R[1] = this.MSG_PREPAYMENTS;
        aB = S - B
    }
    this.MONTHLY_PI = g;
    this.INTEREST_PAID = S;
    this.TOTAL_OF_PAYMENTS = ae;
    this.FIRST_MONTH_INTEREST = Q;
    this.FIRST_MONTH_PRINCIPAL = ai;
    this.PERCENT_DOWNPAYMENT = al;
    this.DOWNPAYMENT_AMOUNT = j;
    this.LOAN_TO_VALUE = ax;
    this.TOTAL_CLOSING_COSTS = aV;
    this.DISCOUNT_POINTS_AMT = o;
    this.ORIGINATION_FEES_AMT = ap;
    this.FIRST_YEAR_INTEREST = aK;
    this.ADJUSTABLE_PAYMENT_AMTS = f;
    this.ADJUSTABLE_RATE_HIGHEST = aG;
    this.PREPAY_TOTAL_OF_PAYMENTS = ac;
    this.PREPAY_INTEREST_PAID = B;
    this.PREPAY_SHORTEN_MONTHS = ay;
    this.PREPAY_SHORTEN_YEARS = aM;
    this.PREPAY_FIRST_YEAR_INTEREST = d;
    this.ACCEL_SHORTEN_MONTHS = af;
    this.PREPAY_INTEREST_SAVINGS = aB;
    this.PREPAY_MESSAGE = aQ;
    this.LOAN_APR = aN;
    this.LOAN_APR_PAYMENT = aL;
    this.LOAN_APR_AMOUNT = c;
    this.PAYOFF_SHORTEN_YEARS = ao.round(((af - ay) / O), 1);
    this.PREPAY_PAYOFF = ao.round((F + P / O), 1) - this.PAYOFF_SHORTEN_YEARS;
    this.LOAN_AMOUNT_CMHC = aD;
    this.PREPAY_BALANCE_TERM_END = ag;
    this.BALANCE_TERM_END = z
};
KJE.CAMortgageLoanCalc.prototype.formatReport = function(c) {
    var f = KJE;
    var a = this.iDecimal;
    var g = c;
    var e = this.PAYMENTS_PER_YEAR;
    g = KJE.replace("IO_TERM", f.number(this.IO_TERM, 0) + " " + KJE.MSG_YEARS_LBL, g);
    g = KJE.replace("IO_REMAINING_TERM", f.number(this.TERM - this.IO_TERM, 0) + " " + KJE.MSG_YEARS_LBL, g);
    g = KJE.replace("PAYOFF_SHORTEN_YEARS", f.number(this.PAYOFF_SHORTEN_YEARS, 1), g);
    g = KJE.replace("MONTHLY_PI_AMOUNT", f.dollars(this.MONTHLY_PI, 2), g);
    var d = KJE.Default.PAY_PERIODS[this.PAYMENT_TYPE];
    g = KJE.replace("MONTHLY_PI", f.dollars(this.MONTHLY_PI, 2) + " " + d, g);
    g = KJE.replace("PAYMENT_TYPE", (d ? d.toLowerCase() : ""), g);
    g = KJE.replace("RESULT_MESSAGE", this.sReturnMessage, g);
    g = KJE.replace("TOTAL_CLOSING_COSTS", f.dollars(this.TOTAL_CLOSING_COSTS, 2), g);
    g = KJE.replace("TERM_LBL", KJE.getTermLabel(Math.ceil(this.TERM * 12 + this.ENTERED_MONTHS), false), g);
    g = KJE.replace("PAYMENTS_LBL", KJE.getTermLabel(Math.ceil((this.ACCEL_SHORTEN_MONTHS / this.PAYMENTS_PER_YEAR) * 12), false), g);
    g = KJE.replace("PURCHASE_PRICE", f.dollars(this.PURCHASE_PRICE, 2), g);
    g = KJE.replace("ADJUSTABLE_RATE_FEQ", f.number(this.ADJUSTABLE_RATE_FEQ), g);
    g = KJE.replace("ADJUSTABLE_RATE_INCR", f.percent(this.ADJUSTABLE_RATE_INCR / 100, 2), g);
    g = KJE.replace("ADJUSTABLE_RATE_CAP", f.percent(this.ADJUSTABLE_RATE_CAP / 100, 3), g);
    g = KJE.replace("ADJUSTABLE_PAYMENT_AMTS", this.ADJUSTABLE_PAYMENT_AMTS, g);
    g = KJE.replace("ADJUSTABLE_RATE_HIGHEST", f.dollars(this.ADJUSTABLE_RATE_HIGHEST, 2), g);
    g = KJE.replace("ADJUSTABLE_RATE", f.yesno(this.ADJUSTABLE_RATE), g);
    var b = KJE.Default.PREPAY_PERIODS[this.PREPAY_TYPE];
    if (this.PREPAY_TYPE == KJE.Default.PREPAY_NONE) {
        g = KJE.replace("PREPAY_TYPE", b, g);
        g = KJE.replace("PREPAY_TOTAL_OF_PAYMENTS", "", g);
        g = KJE.replace("PREPAY_STARTS_WITH", "", g);
        g = KJE.replace("PREPAY_MESSAGE", "", g);
        g = KJE.replace("PREPAY_INTEREST_SAVINGS", "", g);
        g = KJE.replace("PREPAY_INTEREST_PAID", "", g);
        g = KJE.replace("PREPAY_FIRST_YEAR_INTEREST", "", g);
        g = KJE.replace("PREPAY_AMOUNT", "", g);
        g = KJE.replace("PREPAY_PAYOFF_MESSAGE", "", g);
        g = KJE.replace("PREPAY_PAYOFF", "", g);
        g = KJE.replace("PREPAY_TERM_BALANCE", "", g);
        g = KJE.replace("PREPAY_BALANCE_TERM_END", "", g)
    } else {
        g = KJE.replace("PREPAY_PAYOFF_MESSAGE", this.PREPAY_PAYOFF_MESSAGE, g);
        g = KJE.replace("PREPAY_PAYOFF", f.number(this.PREPAY_PAYOFF, 1), g);
        g = KJE.replace("PREPAY_TYPE", b, g);
        g = KJE.replace("PREPAY_TOTAL_OF_PAYMENTS", f.dollars(this.PREPAY_TOTAL_OF_PAYMENTS, 2), g);
        g = KJE.replace("PREPAY_STARTS_WITH", f.number(this.PREPAY_STARTS_WITH), g);
        g = KJE.replace("PREPAY_MESSAGE", this.PREPAY_MESSAGE, g);
        g = KJE.replace("PREPAY_INTEREST_SAVINGS", f.dollars(this.PREPAY_INTEREST_SAVINGS, 2), g);
        g = KJE.replace("PREPAY_INTEREST_PAID", f.dollars(this.PREPAY_INTEREST_PAID, 2), g);
        g = KJE.replace("PREPAY_FIRST_YEAR_INTEREST", f.dollars(this.PREPAY_FIRST_YEAR_INTEREST, 2), g);
        g = KJE.replace("PREPAY_AMOUNT", f.dollars(this.PREPAY_AMOUNT, 2), g);
        g = KJE.replace("PREPAY_TERM_BALANCE", this.MSG_PREPAY_TERM_BALANCE, g);
        g = KJE.replace("PREPAY_BALANCE_TERM_END", f.dollars(this.PREPAY_BALANCE_TERM_END, 2), g)
    }
    g = KJE.replace("LOAN_TERM_END", f.number(this.LOAN_TERM_END, 0), g);
    g = KJE.replace("BALANCE_TERM_END", f.dollars(this.BALANCE_TERM_END, 2), g);
    g = KJE.replace("PERCENT_DOWNPAYMENT", f.percent(this.PERCENT_DOWNPAYMENT, 2), g);
    g = KJE.replace("DOWNPAYMENT_AMOUNT", f.dollars(this.DOWNPAYMENT_AMOUNT, 2), g);
    g = KJE.replace("TOTAL_CMHC", f.dollars(this.TOTAL_CMHC, 2), g);
    g = KJE.replace("OTHER_FEES", f.dollars(this.OTHER_FEES, 2), g);
    g = KJE.replace("ORIGINATION_FEES_PERCENT", f.percent(this.ORIGINATION_FEES_PERCENT / 100, 2), g);
    g = KJE.replace("ORIGINATION_FEES_AMT", f.dollars(this.ORIGINATION_FEES_AMT, 2), g);
    g = KJE.replace("LOAN_TO_VALUE", f.percent(this.LOAN_TO_VALUE, 2), g);
    g = KJE.replace("LOAN_APR_PAYMENT", f.dollars(this.LOAN_APR_PAYMENT, 2), g);
    g = KJE.replace("LOAN_APR_AMOUNT", f.dollars(this.LOAN_APR_AMOUNT, 2), g);
    g = KJE.replace("LOAN_APR", f.percent(this.LOAN_APR, 3), g);
    g = KJE.replace("LOAN_AMOUNT_CMHC", f.dollars(this.LOAN_AMOUNT_CMHC, 2), g);
    g = KJE.replace("LOAN_AMOUNT", f.dollars(this.LOAN_AMOUNT, 2), g);
    g = KJE.replace("INTEREST_RATE", f.percent(this.INTEREST_RATE / 100, 3), g);
    g = KJE.replace("INTEREST_PAID", f.dollars(this.INTEREST_PAID, 2), g);
    g = KJE.replace("FIRST_YEAR_INTEREST", f.dollars(this.FIRST_YEAR_INTEREST, 2), g);
    g = KJE.replace("FIRST_MONTH_PRINCIPAL", f.dollars(this.FIRST_MONTH_PRINCIPAL, 2), g);
    g = KJE.replace("FIRST_MONTH_INTEREST", f.dollars(this.FIRST_MONTH_INTEREST, 2), g);
    g = KJE.replace("DISCOUNT_POINTS_PERCENT", f.percent(this.DISCOUNT_POINTS_PERCENT / 100, 2), g);
    g = KJE.replace("DISCOUNT_POINTS_AMT", f.dollars(this.DISCOUNT_POINTS_AMT, 2), g);
    g = KJE.replace("TOTAL_OF_PAYMENTS", f.dollars(this.TOTAL_OF_PAYMENTS, 2), g);
    g = KJE.replace("MORTGAGE_YRS_LEFT", f.number((this.TERM + this.ENTERED_MONTHS / e) - (this.PREPAY_STARTS_WITH / e)), g);
    g = KJE.replace("TERM", f.number(this.TERM), g);
    g = g.replace("**REPEATING GROUP**", this.sSchedule.getRepeat());
    this.sSchedule.clearRepeat();
    return g
};
KJE.CAMortgageLoanCalc.prototype.getAmountPaidCategories = function() {
    return this.totalpaid_cats
};
KJE.Default.PREPAY_NONE = 0;
KJE.Default.PREPAY_WEEKLY = 1;
KJE.Default.PREPAY_BIWEEKLY = 2;
KJE.Default.PREPAY_2XMONTHLY = 3;
KJE.Default.PREPAY_MONTHLY = 4;
KJE.Default.PREPAY_YEARLY = 5;
KJE.Default.PREPAY_ONETIME = 6;
KJE.Default.PREPAY_FREQUENCY = [0, 52, 26, 24, 12, 1, 0];
KJE.Default.getPrepayDrop = function(c, b, g) {
    KJE.Default.PREPAY_PERIOD_IDs = KJE.parameters.get("ARRAY_PREPAY_PERIOD_ID", [KJE.Default.PREPAY_NONE, KJE.Default.PREPAY_WEEKLY, KJE.Default.PREPAY_BIWEEKLY, KJE.Default.PREPAY_2XMONTHLY, KJE.Default.PREPAY_MONTHLY, KJE.Default.PREPAY_YEARLY, KJE.Default.PREPAY_ONETIME]);
    KJE.Default.PREPAY_PERIODS = KJE.parameters.get("ARRAY_PREPAY_PERIODS", ["None", "Weekly", "Bi-weekly", "Semi-monthly", "Monthly", "Yearly", "One-time"]);
    var a = KJE.Default.PREPAY_PERIOD_IDs;
    var f = a.length;
    var e = KJE.Default.PREPAY_PERIODS;
    var d = new Array(f);
    for (i = 0; i < f; i++) {
        d[i] = e[a[i]]
    }
    return KJE.getDropBox(c, KJE.parameters.get(c, (!b ? KJE.Default.PAY_LOAN_IDs : b)), a, d, g)
};
KJE.CAMortgageLoanCalc.prototype.getPeriodRate = function(a, b) {
    if (this.bUSE_CAMORTGAGE) {
        return (Math.pow(1 + (a / 200), (1 / (b / 2))) - 1)
    }
    return (a / b) / 100
};
KJE.CalcName = "Mortgage Calculator (Canadian)";
KJE.CalcType = "CAMortgageLoan";
KJE.CalculatorTitleTemplate = "Mortgage Loan Calculator";
KJE.parameters.set("PAYMENT_TYPE", KJE.Default.PAY_MONTHLY);
KJE.parseInputs = function(b) {
    if (KJE.Default.getPayDrop) {
        b = KJE.replace("**PAYMENT_TYPE**", KJE.Default.getPayDrop("PAYMENT_TYPE", KJE.Default.PAY_MONTHLY), b)
    }
    if (KJE.Default.getPrepayDrop) {
        b = KJE.replace("**PREPAY_TYPE**", KJE.Default.getPrepayDrop("PREPAY_TYPE", KJE.Default.PREPAY_NONE), b)
    }
    var a = KJE.parameters.get("INTEREST_ONLY", false);
    if (a) {
        b = KJE.replace("**TERM**", KJE.getDropBox("TERM", KJE.parameters.get("TERM", 0), KJE.Default.IO_ID, KJE.Default.IO_ITEMS), b)
    } else {
        b = KJE.replace("**TERM**", KJE.getMortgageTermDrop("TERM", KJE.Default.MortgageTerm), b);
        b = KJE.replace("**LOAN_TERM_END**", KJE.getMortgageTermDrop("LOAN_TERM_END", KJE.Default.MortgageTermEnds), b)
    }
    return b
};
KJE.initialize = function() {
    KJE.CalcControl = new KJE.CAMortgageLoanCalc();
    KJE.GuiControl = new KJE.CAMortgageLoan(KJE.CalcControl)
};
KJE.CAMortgageLoan = function(k) {
    var e = KJE;
    var h = KJE.inputs.items;
    this.MSG_GRAPHTOTAL_SUBTITLE1 = KJE.parameters.get("MSG_GRAPHTOTAL_SUBTITLE1", "Total Interest KJE1");
    this.MSG_GRAPHTOTAL_SUBTITLE2 = KJE.parameters.get("MSG_GRAPHTOTAL_SUBTITLE2", "Prepayment Interest Savings KJE1");
    this.MSG_GRAPHPAYMENTS_SUBTITLE1 = KJE.parameters.get("MSG_GRAPHPAYMENTS_SUBTITLE1", "Principal Balances by Year");
    this.MSG_GRAPHPAYMENTS_SUBTITLE2 = KJE.parameters.get("MSG_GRAPHPAYMENTS_SUBTITLE2", "Prepayment Term KJE1");
    KJE.MortgageAmtSlider("LOAN_AMOUNT", "Mortgage amount");
    if (k.bIO) {
        KJE.DropBox("TERM", "Mortgage amortization")
    } else {
        KJE.MortgageTermDropBoxSlider("TERM", "Mortgage amortization");
        KJE.MortgageTermDropBoxSlider("LOAN_TERM_END", "Mortgage term")
    }
    KJE.MortgageRateSlider("INTEREST_RATE", "Interest rate");
    KJE.DropBox("PREPAY_TYPE", "Prepayment type");
    KJE.Label("MONTHLY_PAYMENT", "Mortgage payment", null, null, "KJEBold");
    KJE.NumberSlider("PREPAY_STARTS_WITH", "Start with payment", 0, KJE.Default.MortgageTermMax * 12);
    KJE.Slider("PREPAY_AMOUNT", "Prepayment amount", 0, 10000000, 0, e.FMT_DOLLARS, 0, KJE.s_label[0], KJE.useScale(0));
    KJE.Radioboxes("BY_YEAR", "Report amortization", true, "Annually", "By period"); 
    KJE.DropBox("PAYMENT_TYPE", "Payment type");
    var a = KJE.parameters.get("MSG_DROPPER_TITLE", "Loan information: ");
    var c = KJE.parameters.get("MSG_DROPPER_CLOSETITLE", "KJE1 loan for KJE2 years at KJE3");
    var m = KJE.parameters.get("MSG_PREPAY_IMMEDIATE", "starting immediately");
    var f = KJE.parameters.get("MSG_DROPPER_PREPAYMENTS", "Prepayments:");
    var b = KJE.parameters.get("MSG_DROPPER_PREPAYMENTSCLOSE", "KJE1");
    var d = function() {
        return a + KJE.subText(KJE.getKJEReplaced(c, e.dollars(k.LOAN_AMOUNT), e.number(k.TERM), e.percent(k.INTEREST_RATE / 100, 3)), "KJECenter")
    };
    KJE.addDropper(new KJE.Dropper("INPUTS", true, a, d), KJE.colorList[0]);
    var n = function() {
        if (k.PREPAY_TYPE == KJE.Default.PREPAY_NONE) {
            return f + KJE.subText(KJE.Default.PREPAY_PERIODS[KJE.Default.PREPAY_NONE], "KJECenter")
        } else {
            var l = h.PREPAY_STARTS_WITH.getFormatted();
            return f + KJE.subText(h.PREPAY_AMOUNT.getFormatted() + " " + h.PREPAY_TYPE.getFormatted().toLowerCase() + " " + (h.PREPAY_STARTS_WITH.getValue() < 1 ? m : h.PREPAY_STARTS_WITH.getName().toLowerCase() + " " + h.PREPAY_STARTS_WITH.getFormatted()), "KJECenter")
        }
    };
    KJE.addDropper(new KJE.Dropper("PREPAY", false, f, n), KJE.colorList[0]);
    var g = KJE.gNewGraph(KJE.gSTACKED, "GRAPH1", true, false, "#ffcccc", KJE.parameters.get("MSG_GRAPH_TITLE1", "Total Payments KJE1<div class=KJESubTitle>KJE2</div>"));
    g._legend._iOrientation = (KJE.gLegend.TOP_RIGHT);
    g._titleYAxis.setText(KJE.sCurrency);
    g._showItemLabel = false;
    var j = KJE.gNewGraph(KJE.gCOLUMN, "GRAPH2", true, true, "#ffcccc", KJE.parameters.get("MSG_GRAPH_TITLE2", "Mortgage Term KJE1<div class=KJESubTitle>KJE2</div>"));
    j._legend._iOrientation = KJE.parameters.get("GRAPH2_LEGEND", KJE.gLegend.GRID_TOP_RIGHT);
    j._iArea = KJE.gGraphLine.AREA_ALL
};
KJE.CAMortgageLoan.prototype.setValues = function(b) {
    var a = KJE.inputs.items;
    b.LOAN_AMOUNT = a.LOAN_AMOUNT.getValue();
    b.TERM = a.TERM.getValue();
    b.PAYMENT_TYPE = a.PAYMENT_TYPE.getValue();
    b.INTEREST_RATE = a.INTEREST_RATE.getValue();
    b.PREPAY_TYPE = a.PREPAY_TYPE.getValue();
    b.PREPAY_AMOUNT = a.PREPAY_AMOUNT.getValue();
    b.PREPAY_STARTS_WITH = a.PREPAY_STARTS_WITH.getValue();
    b.BY_YEAR = a.BY_YEAR.getValue();
    if (b.PREPAY_TYPE == KJE.Default.PREPAY_NONE) {
        a.PREPAY_AMOUNT.disable();
        a.PREPAY_STARTS_WITH.disable()
    } else {
        a.PREPAY_AMOUNT.enable();
        a.PREPAY_STARTS_WITH.enable()
    }
    if (a.LOAN_TERM_END) {
        b.LOAN_TERM_END = a.LOAN_TERM_END.getValue()
    }
};
KJE.CAMortgageLoan.prototype.refresh = function(e) {
    var b = KJE.inputs.items;
    var d = KJE;
    var a = KJE.gGraphs[0];
    var c = KJE.gGraphs[1];
    KJE.setTitleTemplate(d.dollars(e.SHOW_PITI ? e.MONTHLY_PITI : e.MONTHLY_PI, 2));
    a.removeAll();
    a.setGraphCategories(e.getAmountPaidCategories());
    if (e.PREPAY_TYPE == KJE.Default.PREPAY_NONE) {
        a.setTitleTemplate(d.dollars(e.TOTAL_OF_PAYMENTS), KJE.getKJEReplaced(this.MSG_GRAPHTOTAL_SUBTITLE1, d.dollars(e.INTEREST_PAID)));
        a._axisX.setVisible(false)
    } else {
        a.setTitleTemplate(d.dollars(e.TOTAL_OF_PAYMENTS), KJE.getKJEReplaced(this.MSG_GRAPHTOTAL_SUBTITLE2, d.dollars(e.PREPAY_INTEREST_SAVINGS)));
        a._axisX.setVisible(true)
    }
    a.add(new KJE.gGraphDataSeries(e.DS_INTEREST, e.MSG_INTEREST, "#FF4444", "", e.MSG_POP_INTEREST));
    a.add(new KJE.gGraphDataSeries(e.DS_PRINCIPAL, e.MSG_PRINCIPAL, "#8B0000", "", e.MSG_POP_PRINCIPAL));
    a.paint();
    c.removeAll();
    c._titleXAxis.setText(e.MSG_YEAR_NUMBER);
    c.setGraphCategories(e.cats);
    if (e.PREPAY_TYPE == KJE.Default.PREPAY_NONE) {
        c.add(new KJE.gGraphDataSeries(e.DS_PRINCIPAL_BAL, e.MSG_NORMAL_PAYMENTS, c.getColor(1), "", e.MSG_POP_PRINCIPAL_NORMAL + " "));
        c.setTitleTemplate(KJE.getTermLabel(Math.ceil((e.ACCEL_SHORTEN_MONTHS / e.PAYMENTS_PER_YEAR) * 12), false), this.MSG_GRAPHPAYMENTS_SUBTITLE1);
        c._legend.setVisible(false)
    } else {
        c.add(new KJE.gGraphDataSeries(e.DS_PRINCIPAL_BAL, e.MSG_NORMAL_PAYMENTS, c.getColor(1), "", e.MSG_POP_PRINCIPAL_NORMAL + " "));
        c.add(new KJE.gGraphDataSeries(e.DS_PREPAY_PRINCIPAL_BAL, e.MSG_PREPAYMENTS, c.getColor(2), "", e.MSG_POP_PRINCIPAL_PREPAY + " "));
        c.setTitleTemplate(KJE.getTermLabel(Math.ceil((e.ACCEL_SHORTEN_MONTHS / e.PAYMENTS_PER_YEAR) * 12), false), KJE.getKJEReplaced(this.MSG_GRAPHPAYMENTS_SUBTITLE2, KJE.getTermLabel(Math.ceil((e.PREPAY_SHORTEN_MONTHS / e.PAYMENTS_PER_YEAR) * 12), false)));
        c._legend.setVisible(true)
    }
    c.paint();
    b.MONTHLY_PAYMENT.setText(d.dollars(e.MONTHLY_PI, 2));
    if (e.SHOW_PITI) {
        b.MONTHLY_PITI.setText(d.dollars(e.MONTHLY_PITI, 2))
    }
};
KJE.Default.MortgageAmt = 200000;
KJE.Default.HomePrice = 220000;
KJE.Default.MortgageMin = 0;
KJE.Default.MortgageMax = 100000000;
KJE.Default.MortgageTerm = 25;
KJE.Default.MortgageTermMin = 1;
KJE.Default.MortgageTermMax = 35;
KJE.Default.MortgageTermIncrement = 5;
KJE.Default.MortgageShowAll = true;
KJE.Default.MortgageShowAllMax = 25;
KJE.Default.MortgageTermEnds = 5;
KJE.Default.MortgageRateMin = 1;
KJE.Default.MortgageRateMax = 25;
KJE.Default.RateFix15 = 4;
KJE.Default.RateFix30 = 4.5;
KJE.Default.RateAdj = 4;
KJE.parameters.set("LOAN_TERM_END", KJE.Default.MortgageTermEnds);
KJE.InputScreenText = ' <div id=KJE-D-INPUTS><div id=KJE-P-INPUTS>Mortgage information:</div></div> <div id=KJE-E-INPUTS > <div id="KJE-C-LOAN_AMOUNT"><input id="KJE-LOAN_AMOUNT" /></div> <div id="KJE-C-TERM">**TERM**</div> <div id=\'KJE-C-LOAN_TERM_END\'>**LOAN_TERM_END**</div> <div id="KJE-C-PAYMENT_TYPE">**PAYMENT_TYPE**</div> <div id="KJE-C-INTEREST_RATE"><input id="KJE-INTEREST_RATE" /></div> <div id="KJE-C-MONTHLY_PAYMENT"><div id="KJE-MONTHLY_PAYMENT"></div></div> <div id="KJE-C-BY_YEAR"><fieldset id=\'KJE-FS-BY_YEAR\'><input id="KJE-BY_YEAR1" type=radio name=BY_YEAR /><input id="KJE-BY_YEAR2" type=radio name=BY_YEAR /></fieldset></div> <div style="height:10px"></div> </div> <div id=KJE-D-PREPAY><div id=KJE-P-PREPAY>Prepayment information</div></div> <div id=KJE-E-PREPAY > <div id="KJE-C-PREPAY_TYPE">**PREPAY_TYPE**</div> <div id="KJE-C-PREPAY_AMOUNT"><input id="KJE-PREPAY_AMOUNT" /></div> <div id="KJE-C-PREPAY_STARTS_WITH"><input id="KJE-PREPAY_STARTS_WITH" /></div> <div style="height:10px"></div> </div> **GRAPH1** **GRAPH2** ';
KJE.DefinitionText = " <div id='KJE-D-LOAN_AMOUNT' ><dt>Mortgage amount</dt><dd>Original or expected balance for your mortgage.</dd></div> <div id='KJE-D-INTEREST_RATE' ><dt>Interest rate</dt><dd>Annual interest rate for this mortgage.</dd></div> <div id='KJE-D-TERM' ><dt>Amortization period</dt><dd>The number of years over which you will repay this loan. The most common mortgage amortization periods are 20 years and 25 years.</dd></div> <div id='KJE-D-MONTHLY_PAYMENT' ><dt>Mortgage payment</dt><dd>Your principal and interest payment (PI) per period.</dd></div> <div id='KJE-D-PAYMENT_TYPE' ><dt>Payment type</dt><dd>The payment type determines the frequency of payments. Monthly will have 12 payments per year, weekly 52, bi-weekly 26 and bi-monthly 24. <p>Accelerated weekly and accelerated bi-weekly payment options are calculated by taking a monthly payment schedule and assuming only four weeks in a month. We calculate an accelerated weekly payment, for example, by taking your normal monthly payment and dividing it by four. Since you pay 52 weekly payments, by the end of a year you have paid the equivalent of one extra monthly payment. This additional amount accelerates your loan payoff by going directly against your loan's principal. The effect can save you thousands in interest and take years off of your mortgage. <p>The accelerated bi-weekly payment is calculated by dividing your monthly payment by two. You then make 26 bi-weekly payments. Just like the accelerated weekly payments you are in effect paying an additional monthly payment per year. </dd></div> <div id='KJE-D-1' ><dt>Total payments</dt><dd>Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.</dd></div> <div id='KJE-D-2' ><dt>Total interest</dt><dd>Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.</dd></div> <div id='KJE-D-PREPAY_TYPE' ><dt>Prepayment type</dt><dd>The frequency of prepayment. The options are none, weekly, bi-weekly, semi-monthly, monthly, yearly and one-time payment.</dd></div> <div id=\"KJE-D-PREPAY_AMOUNT\" ><dt>Prepayment amount</dt><dd>Amount that will be prepaid on your mortgage. This amount will be applied to the mortgage principal balance, based on the prepayment type.</div> <div id=\"KJE-D-PREPAY_STARTS_WITH\" ><dt>Start with payment</dt><dd>This is the payment number that your prepayments will begin with. For a one-time payment, this is the payment number that the single prepayment will be included in. All prepayments of principal are assumed to be received by your lender in time to be included in the following month's interest calculation. If you choose to prepay with a one-time payment for payment number zero, the prepayment is assumed to happen before the first payment of the loan.</div> <div id=\"KJE-D-3\" ><dt>Savings</dt><dd>Total amount of interest you will save by prepaying your mortgage.</div> <div id=\"KJE-D-BY_YEAR\" ><dt>Report amortization</dt><dd>Choose how the report will display your payment schedule. Annually will summarize payments and balances by year. Monthly will show every payment for the entire term.</div> ";
KJE.ReportText = ' <!--HEADING "Mortgage Loan Calculator Results" HEADING--> <p> <h2 class=\'KJEReportHeader KJEFontHeading\'>Your payment is MONTHLY_PI for PAYMENTS_LBL.</h2> Your mortgage has an rate of INTEREST_RATE, these results assume that the interest rate does not change during the amortization period. **GRAPH**<p> <div class=KJEReportTableDiv><table class=KJEReportTable><caption class=\'KJEHeaderRow KJEHeading\'>Mortgage Summary</caption> <tfoot class=\'KJEReportTFooter\'> <tr class=KJEFooterRow><th class="KJELabel KJECellBorder" scope=\'row\'>Total interest paid</th><td class="KJECell">INTEREST_PAID</td></tr> </tfoot> <tbody class=\'KJEReportTBody\'> <tr class=KJEOddRow><th class="KJELabel KJECellBorder KJECell60" scope=\'row\'>Loan amount</th><td class="KJECell KJECell40">LOAN_AMOUNT</td></tr> <tr class=KJEEvenRow><th class="KJELabel KJECellBorder" scope=\'row\'>Amortization</th><td class="KJECell">TERM_LBL</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Balance at end of LOAN_TERM_END year term </th><td class="KJECell"> BALANCE_TERM_END</td></tr> <tr class=KJEEvenRow><th class="KJELabel KJECellBorder" scope=\'row\'>Loan will be paid off after</th><td class="KJECell">PAYMENTS_LBL with scheduled paymentsPREPAY_PAYOFF_MESSAGE</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Interest rate</th><td class="KJECell">INTEREST_RATE</td></tr> <tr class=KJEEvenRow><th class="KJELabel KJECellBorder" scope=\'row\'>Payment</th><td class="KJECell">MONTHLY_PI</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Total of payments</th><td class="KJECell">TOTAL_OF_PAYMENTS</td></tr> </tbody> </table> </div> <h2 class=\'KJEReportHeader KJEFontHeading\'>Prepayment Results</h2>Principal prepayments on your mortgage can save you a great deal of interest. They can also shorten the time it takes to pay off your mortgage, assuming the interest rate does not change during the amortization period. PREPAY_MESSAGE <p> <div class=KJEReportTableDiv><table class=KJEReportTable><caption class=\'KJEHeaderRow KJEHeading\'>Prepayment Summary</caption> <tbody class=\'KJEReportTBody\'> <tr class=KJEOddRow><th class="KJELabel KJECellBorder KJECell60" scope=\'row\'>Amount</th><td class="KJECell KJECell40">PREPAY_AMOUNT PREPAY_TYPE</td></tr> <tr class=KJEEvenRow><th class="KJELabel KJECellBorder" scope=\'row\'>Start with payment</th><td class="KJECell">PREPAY_STARTS_WITH&nbsp;</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Balance at end of LOAN_TERM_END year term </th><td class="KJECell"> PREPAY_BALANCE_TERM_END</td></tr> <tr class=KJEEvenRow><th class="KJELabel KJECellBorder" scope=\'row\'>Total payments</th><td class="KJECell">PREPAY_TOTAL_OF_PAYMENTS&nbsp;</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Total interest</th><td class="KJECell">PREPAY_INTEREST_PAID&nbsp;</td></tr> <tr class=KJEEvenRow><th class="KJELabel KJECellBorder" scope=\'row\'>Interest savings</th><td class="KJECell">PREPAY_INTEREST_SAVINGS&nbsp;</td></tr> </tbody> </table> </div> <h2 class=\'KJEScheduleHeader KJEFontHeading\'>Payment Schedule</h2> **REPEATING GROUP** ';