?php
	session_start();
	include('debtcalcfiles/functions.php');
	// Clear Values
	if ($_POST['action'] == "clear_values") {
		$_SESSION['compare_list'] = '';
	}
	
	// Set the session variables
	if ($_POST['action'] == "calculate_1") {
		$_SESSION['loan_num_years'] = $_POST['loan_num_years'];
		$_SESSION['loan_payment_amount'] = $_POST['loan_payment_amount'];
		$_SESSION['loan_amount'] = $_POST['loan_amount'];
		$_SESSION['loan_percent'] = $_POST['loan_percent'];
	}
	
	// If calculating a payment amount
	if ($_POST['action'] == "calculate_1") {
		if (!checkValidChars($_SESSION['loan_amount'],"0123456789.")) {
			$error_div .= getResultDiv('Please enter only numbers for your debt amount');
		} elseif (strlen($_SESSION['loan_amount']) < 1) {
			$error_div .= getResultDiv('Please enter a debt amount');
		}
		if (!checkValidChars($_SESSION['loan_percent'],"0123456789.")) {
			$error_div .= getResultDiv('Please enter only numbers for the interest rate');
		} elseif (strlen($_SESSION['loan_percent']) < 1) {
			$error_div .= getResultDiv('Please enter an interest rate');
		}
		if (strlen($_SESSION['loan_payment_amount']) < 1 && strlen($_SESSION['loan_num_years']) < 1) {
			$error_div .= getResultDiv('Please enter either the number of years or a payment amount');
		}
		if (!checkValidChars($_SESSION['loan_payment_amount'],"0123456789.")) {
			$error_div .= getResultDiv('Please enter only numbers for the payment amount');
		}
		if (!checkValidChars($_SESSION['loan_num_years'],"0123456789.")) {
			$error_div .= getResultDiv('Please enter only numbers for the number of years');
		}
	}
	$result_div .= $error_div;
	// If no errors, go ahead and perform calculations
	if ($error_div == '') {
		if ($_POST['action'] == "calculate_1" && $_POST['loan_num_years'] != '') {
			$rate = $_POST['loan_percent'] / 12;
			$months = $_POST['loan_num_years']*12;
			$p = $_POST['loan_amount'];
			$j = $_POST['loan_percent']/(12*100);
			$n = $_POST['loan_num_years'] * 12;
			$payment = $p * ($j / (1-pow((1+$j),-$n)));
			$_SESSION['compare_list'] = $_POST['loan_amount'] . '::' . $_POST['loan_percent'] . '::' . $_POST['loan_num_years'] . '::' . round($payment,2) . ';' . $_SESSION['compare_list'];
		
		// If calculating the number of years
		} elseif ($_POST['action'] == "calculate_1" && $_POST['loan_payment_amount'] != '') {
			$p = $_POST['loan_amount'];
			$m = $_POST['loan_payment_amount'];
			$r = $_POST['loan_percent']/100;
			if ((($p/$m)*($r/12)) > 1) {
				$num_payments = 'Infinite';
			} else {
				$num_payments = 1/12 * -(log(1-($p/$m)*($r/12)))/log(1+($r/12));
				$num_payments = round($num_payments,2);
			}
			$_SESSION['compare_list'] = $_POST['loan_amount'] . '::' . $_POST['loan_percent'] . '::' . $num_payments . '::' . $_POST['loan_payment_amount'] . ';' . $_SESSION['compare_list'];
		}
	}
	
	// Create the result table
	if ($_SESSION['compare_list'] != '') {
		$compare_array = explode(';',$_SESSION['compare_list']);
		$compare_i = 0;
		while ($compare_array[$compare_i] != '') {
			$row_array = explode('::',$compare_array[$compare_i]);
			$row_style = ternary($row_style,'odd','even');
			$compare_table .= '
				<tr class="' .$row_style . '" onClick="hl(this);" >
					<td><strong>$' . $row_array[0] . '</strong></td>
					<td> at </td>
					<td><strong>' . $row_array[1] . '%</strong></td>
					<td> for </td>
					<td><strong>' . $row_array[2] . ' years</strong></td>
					<td> = </td>
					<td><strong>$' . $row_array[3] . '</strong></td>
				</tr>';
			$compare_i++;
		}
		
		// Finish constructing table
		$compare_table = '
			<form action="debtcalc.php" method="post">
			<input type="hidden" name="action" value="clear_values" />
			<p><input type="submit" value="Clear Values" /></p>
			</form>
			<table class="compare-table">
				<tr>
					<th>Amount</th>
					<th></th>
					<th>%</th>
					<th></th>
					<th>Years</th>
					<th></th>
					<th>Payment</th>
				</tr>' . $compare_table . '
			</table>';
			
	// Show initial paragraph
	} else {
		$compare_table = '<p>Your different scenarios will display here each time you hit the "Calculate" button to the left.</p>';
	}


?>


<html>
<head>
<title>Prostko & Santill&aacute;n, LLC Attorneys at Law</title>
<LINK REL=stylesheet HREF="styles.css" TYPE="text/css">
<script type="text/javascript" src="udm-resources/horizontal-absolute-top-left.js"></script>
	<script type="text/javascript" src="udm-resources/udm-control.js"></script>
	<script type="text/javascript" src="udm-resources/udm-style.js"></script>
	
	<!---start new menu links here--->
<!-- menu script -->
<script type="text/javascript" src="udm-resources/udm-dom.js"></script>
<!-- keyboard navigation module -->
<script type="text/javascript" src="udm-resources/udm-mod-keyboard.js"></script>
<script type="text/javascript" src="debtcalcfiles/debtcalc.js"></script>
</head>

<body background="images/bg.jpg">
<table width="750" style="border: 1px solid black;" align="center" bgcolor="#505B4E">
 <tr>
  <td colspan="2">
  <img src="images/Pittsburgh.jpg" width="750" height="199" alt="Pittsburgh Law Firm" border="0">
  </td>
  </tr>
  <tr>
   <td align="right" colspan="2">
   
<!---Start Links-->
   
      <ul id="udm" class="udm" width="100%">
	<li><a href="index.htm">Home &nbsp;&nbsp;&brvbar;&nbsp;&nbsp;</a></li>
	
	<li><a href="history.htm">About Us &nbsp;&nbsp;&brvbar;&nbsp;&nbsp;</a>
	 <ul>
			<li><a href="Fees.htm">Fee Arrangements</a></li>
			<li><a href="directory.htm">Firm Directory</a></li>
			<li><a href="employment.htm">Employment</a></li>
			<li><a href="internships.htm">Internships</a></li>
			
	 </ul></li>
	
	<li><a href="bankruptcy.htm">Practice Areas &nbsp;&nbsp;&brvbar;&nbsp;&nbsp;</a>
	 <ul>
     	<li><a href="bankruptcy.htm">Bankruptcy</a>
		</li>
	 	<!---<li><a href="family_law.htm">Family Law</a>
	    <ul>
	 	<li><a href="top_ten.htm">Ten Things to Look For</a></li>
			<li><a href="family_law.htm#prenup">Prenuptual Agreements</a></li>
			<li><a href="family_law.htm#divorce">Divorce</a></li>
			<li><a href="family_law.htm#custody">Custody & Support</a></li>
			<li><a href="adoptions.htm">Adoptions</a></li>
	    </ul>
		</li>
	 	<li><a href="criminal_law.htm">Criminal Law</a>
	    <ul>
			<li><a href="criminal_law.htm#dui">DUI Defense</a></li>
			<li><a href="criminal_law.htm#license">License Restoration</a></li>
			<li><a href="criminaldefense.htm">Criminal Defense</a></li>
			
	    </ul>
		</li>		
	 	<li><a href="will_estates.htm">Wills and Estates</a>
	    <ul>
			<li><a href="will_estates.htm#wills">Wills/Living Wills</a></li>
			<li><a href="will_estates.htm#poa">Powers of Attorney</a></li>
			<li><a href="will_estates.htm#fep">Financial & Estate Planning</a></li>
	    </ul>
		</li>--->			
	 	<li><a href="taxappeal.htm">Real Estate</a>
	 	<ul>
			<!---
			<li><a href="taxappeal.htm">Real Estate Closing</a></li>
			<li><a href="titleinsurance.htm">Title Insurance</a></li>
			--->
			<li><a href="taxappeal.htm">Tax Sale Appeals</a></li>
			<li><a href="foreclosuredefense.htm">Mortgage Foreclosure Defense</a></li>
			<li><a href="sherrifsales.htm">Set Aside Sheriff's Sales</a></li>
			<li><a href="municipallaw.htm">Municipal Law</a></li>
	  	</ul>
	    </li>
			 	<li><a href="tax_law.htm">Tax Law</a>
	 	<ul>
			<li><a href="tax_law.htm#irs">IRS Offers in Compromise</a></li>
			<li><a href="tax_law.htm#taxliabilty">Tax Liability Settlements</a></li>
			<li><a href="tax_law.htm#eliminate">Eliminate Taxes</a></li>
			<li><a href="tax_law.htm#proceed">Stay Tax Collection Proceedings & Garnishments</a></li>
			<li><a href="tax_law.htm#irsaudit">IRS Audit Defense</a></li>
			<li><a href="tax_law.htm#irslien">Release IRS Liens</a></li>
			
	  	</ul>
	    </li>
		<li><a href="will_estates.htm">Wills and Estates</a>
	    <ul>
			<li><a href="will_estates.htm#wills">Wills/Living Wills</a></li>
			<li><a href="will_estates.htm#poa">Powers of Attorney</a></li>
			<li><a href="will_estates.htm#fep">Financial & Estate Planning</a></li>
	    </ul>
		</li>
	 </ul>
	</li>
	
	<!---<li><a href="client_information.htm">Client Information &nbsp;&nbsp;&brvbar;&nbsp;&nbsp;</a></li>--->
<li><a href="before_bankruptcy.htm">Bankruptcy Information &nbsp;&nbsp;&brvbar;&nbsp;&nbsp;</a>
	 <ul>
			<li><a href="chapt_7.htm">Chapter 7</a></li>
			<li><a href="chapt_13.htm">Chapter 13</a></li>
			<li><a href="before_bankruptcy.htm">Before Bankruptcy</a>
			<li><a href="news.htm">News</a></li>
			<li><a href="articles.htm">Articles</a></li>
			<li><a href="debtcalc.php">Calculator</a></li>
			<li><a href="debt_test.htm">Debt Test</a></li>
			<li><a href="glossary.htm">Glossary</a></li>
			<li><a href="case_law.htm">Relevant Case Law</a></li>
			<li><a href="webinars.htm">Webinars</a></li>
	   </ul>
	  </li>
	
	<li><a href="business_partners.htm">Business Partners &nbsp;&nbsp;&brvbar;&nbsp;&nbsp;</a></li>
	<li><a href="contact_us.cfm">Contact Us</a></li>
   </ul></td>
   
   <!--End Links-->
  </tr>
  </tr>
  <tr>
  
  <!---Start Left Links-->
  
   <td background="images/grey.jpg" width="20%" height="300" alt="" border="0" rowspan="3" valign="top"><br><blockquote>
   <a class="three" href="chapt_7.htm">Chapter 7</a>
   <br><br>
   <a class="three" href="chapt_13.htm">Chapter 13</a>
      <br><br>
   <a class="three" href="before_bankruptcy.htm">Before Bankruptcy</a>
   <br><br>
   <a class="three" href="news.htm">News</a>
   <br><br>
   <a class="three" href="articles.htm">Articles</a>
   <br><br>
   <a class="three" href="debtcalc.php">Calculator</a>
      <br><br>
   <a class="three" href="debt_test.htm">Debt Test</a>
      <br><br>
   <a class="three" href="glossary.htm">Glossary</a>
      <br><br>
   <a class="three" href="case_law.htm">Relevant Case Law</a>
   </blockquote></td>
   
   <!--End Left Links-->
   
   <!--Start Conent-->
   <td align="left" width="80%" valign="top" bgcolor="#ffffff"><br><blockquote>
 <center><h1>Debt Payment Comparison Calculator</h1></center>
 <center><hr width="200" color="32688E"></center><br>
 
<?php echo $result_div; ?>
<p>Fill out the calculator form, then click "calculate" to start comparing different debt payment scenarios. Note that you can either select the number of years to pay the debt off, or you can select the desired monthly payment. When you are done generating values, click on the rows under the "Compare" heading to change their color. That way, you can group your options together for easy viewing.</p><br><br>
</td>
	
	<!--End Content-->
 </tr>
</table>
</body>