//-------------------------------------------------------------------------------------
//
//	Written by Kieara Mowery
//	April 4, 2010
//	Written from my cell phone. JAVA Program
//
//------------------------------------------------------------------------------------

#include <iostream>
#include <iomanip>
#include <cmath>
using namespace std;


int main ()
{

const int 
	MTHPYMT = 12; 	
int
	totalmth, 	
	mthhalf;   	

    float
	loanamt, 	
	intrate, 	
	pymtamt, 	
	balance, 	
	totalint; 	
      
	cout << endl;
	cout << endl;
	cout << "~~~~~~~~~~Welcome to the Loan Analysis Program!~~~~~~~~~~";
        cout << endl;
	cout << endl;
	cout << "enter Loan Amount --> ";
	cin >> loanamt;
	cout << endl;
	cout << endl;
	cout << "enter Interest Rate (as decimal) --> " ;
	cin >> intrate;
	cout << endl;
	cout << endl;
	cout << "enter number of payment --> ";
	cin >> totalmth;
	cout << endl;


	pymtamt = (pow(1 + (intrate / 12), totalmth) / (pow(1 + (intrate /12),totalmth)-1)) * loanamt * (intrate / 12);
	mthhalf = totalmth / 2;
	balance = pymtamt * ((1 - (pow(1 + (intrate / 12),(mthhalf - totalmth))))) / (intrate / 12);
	totalint = (pymtamt * totalmth) - loanamt;

	cout << fixed;
	cout << "\n\n ~~~~~~~~~~Loan Summary~~~~~~~~~~ " ;
	cout << setprecision(2);
	cout << "\n\n Annual Interest Rate: % " << setw(2) << intrate * 100;
	cout << "\n\n Number of Monthly Payments: " << setw(2) << loanamt;
	cout << "\n\n Loan Amount: $ " << setw(2) << loanamt;
	cout << " \n\n Monthly Payment: $ " << setw(2) << pymtamt;
	cout << "\n\n Balance Halfway Through: $  " << setw(2) <<  balance;
	cout << "\n\n Total Interest Paid: $ " << setw(2) <<  totalint;
	cout << endl;

	return 0;
}