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Fix short-rate calculation, add styling, add error messages, include disclaimer

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Hao Tran
2025-01-11 08:38:12 -05:00
parent 3dadf20dbf
commit 26ce9b5c8a
6 changed files with 879 additions and 292 deletions
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561
assets/calculator.js Normal file
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const shortRate = {
1: 0.05,
2: 0.06,
3: 0.07,
4: 0.07,
5: 0.08,
6: 0.08,
7: 0.09,
8: 0.09,
9: 0.10,
10: 0.10,
11: 0.11,
12: 0.11,
13: 0.12,
14: 0.12,
15: 0.13,
16: 0.13,
17: 0.14,
18: 0.14,
19: 0.15,
20: 0.15,
21: 0.16,
22: 0.16,
23: 0.17,
24: 0.17,
25: 0.17,
26: 0.18,
27: 0.18,
28: 0.18,
29: 0.18,
30: 0.19,
31: 0.19,
32: 0.19,
33: 0.20,
34: 0.20,
35: 0.20,
36: 0.20,
37: 0.21,
38: 0.21,
39: 0.21,
40: 0.21,
41: 0.22,
42: 0.22,
43: 0.22,
44: 0.77,
45: 0.77,
46: 0.77,
47: 0.77,
48: 0.24,
49: 0.24,
50: 0.24,
51: 0.24,
52: 0.25,
53: 0.25,
54: 0.25,
55: 0.26,
56: 0.26,
57: 0.26,
58: 0.26,
59: 0.27,
60: 0.27,
61: 0.27,
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63: 0.28,
64: 0.28,
65: 0.28,
66: 0.29,
67: 0.29,
68: 0.29,
69: 0.29,
70: 0.30,
71: 0.30,
72: 0.30,
73: 0.30,
74: 0.31,
75: 0.31,
76: 0.31,
77: 0.32,
78: 0.32,
79: 0.32,
80: 0.32,
81: 0.33,
82: 0.33,
83: 0.33,
84: 0.34,
85: 0.34,
86: 0.34,
87: 0.34,
88: 0.35,
89: 0.35,
90: 0.35,
91: 0.35,
92: 0.36,
93: 0.36,
94: 0.36,
95: 0.37,
96: 0.37,
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98: 0.37,
99: 0.38,
100: 0.38,
101: 0.38,
102: 0.38,
103: 0.39,
104: 0.39,
105: 0.39,
106: 0.40,
107: 0.40,
108: 0.40,
109: 0.40,
110: 0.41,
111: 0.41,
112: 0.41,
113: 0.41,
114: 0.42,
115: 0.42,
116: 0.42,
117: 0.43,
118: 0.43,
119: 0.43,
120: 0.43,
121: 0.44,
122: 0.44,
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124: 0.44,
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129: 0.46,
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158: 0.54,
159: 0.54,
160: 0.54,
161: 0.55,
162: 0.55,
163: 0.55,
164: 0.55,
165: 0.56,
166: 0.56,
167: 0.56,
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170: 0.57,
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181: 0.60,
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191: 0.62,
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194: 0.63,
195: 0.63,
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197: 0.64,
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199: 0.64,
200: 0.64,
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202: 0.65,
203: 0.65,
204: 0.65,
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208: 0.66,
209: 0.66,
210: 0.67,
211: 0.67,
212: 0.67,
213: 0.67,
214: 0.67,
215: 0.68,
216: 0.68,
217: 0.68,
218: 0.68,
219: 0.69,
220: 0.69,
221: 0.69,
222: 0.69,
223: 0.69,
224: 0.70,
225: 0.70,
226: 0.70,
227: 0.70,
228: 0.70,
229: 0.71,
230: 0.71,
231: 0.71,
232: 0.71,
233: 0.72,
234: 0.72,
235: 0.72,
236: 0.72,
237: 0.72,
238: 0.73,
239: 0.73,
240: 0.73,
241: 0.73,
242: 0.74,
243: 0.74,
244: 0.74,
245: 0.74,
246: 0.74,
247: 0.75,
248: 0.75,
249: 0.75,
250: 0.75,
251: 0.76,
252: 0.76,
253: 0.76,
254: 0.76,
255: 0.76,
256: 0.77,
257: 0.77,
258: 0.77,
259: 0.77,
260: 0.77,
261: 0.78,
262: 0.78,
263: 0.78,
264: 0.78,
265: 0.79,
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267: 0.79,
268: 0.79,
269: 0.79,
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271: 0.80,
272: 0.80,
273: 0.80,
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275: 0.81,
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289: 0.84,
290: 0.84,
291: 0.84,
292: 0.85,
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299: 0.86,
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306: 0.88,
307: 0.88,
308: 0.88,
309: 0.88,
310: 0.88,
311: 0.89,
312: 0.89,
313: 0.89,
314: 0.89,
315: 0.90,
316: 0.90,
317: 0.90,
318: 0.90,
319: 0.90,
320: 0.91,
321: 0.91,
322: 0.91,
323: 0.91,
324: 0.92,
325: 0.92,
326: 0.92,
327: 0.92,
328: 0.92,
329: 0.93,
330: 0.93,
331: 0.93,
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335: 0.94,
336: 0.94,
337: 0.94,
338: 0.95,
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340: 0.95,
341: 0.95,
342: 0.95,
343: 0.96,
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345: 0.96,
346: 0.96,
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348: 0.97,
349: 0.97,
350: 0.97,
351: 0.97,
352: 0.98,
353: 0.98,
354: 0.98,
355: 0.98,
356: 0.99,
357: 0.99,
358: 0.99,
360: 0.99,
359: 0.99,
361: 1.00,
362: 1.00,
363: 1.00,
364: 1.00,
365: 1.00,
366: 1.00,
};
function calculator() {
// pull from input fields
var effectiveDate = document.getElementById("effectiveDate").value;
var expiryDate = document.getElementById("expiryDate").value;
var cancelDate = document.getElementById("cancelDate").value;
var totalPremium = document.getElementById("totalPremium").value;
var breakDO = document.getElementById("breakDO").value || 0;
var breakEO = document.getElementById("breakEO").value || 0;
var breakCyber = document.getElementById("breakCyber").value || 0;
var breakLEI = document.getElementById("breakLEI").value || 0;
var breakCGL = document.getElementById("breakCGL").value || 0;
var breakProperty = document.getElementById("breakProperty").value || 0;
var breakEB = document.getElementById("breakEB").value || 0;
// calculate dates in policy term
var policyDays = new Date(expiryDate).getTime() - new Date(effectiveDate).getTime();
var termDays = policyDays / (1000 * 60 * 60 * 24);
// calculate dates involved with cancellation
var cancelDays = new Date(cancelDate).getTime() - new Date(effectiveDate).getTime();
var forceDays = cancelDays / (1000 * 60 * 60 * 24);
var remainingDays = termDays - forceDays;
// calculate pro rata
if(document.getElementById('calcProRata').checked) {
var earnedFactor = Math.round(((forceDays / termDays) + Number.EPSILON)*1000)/1000;
var unearnedFactor = Math.round(((remainingDays / termDays) + Number.EPSILON)*1000)/1000;
document.getElementById("earnedFactor").className = 'blue';
document.getElementById("unearnedFactor").className = 'blue';
// calculate short rate
}else if(document.getElementById('calcShortRate').checked) {
const searchDate = forceDays;
const shortRateFactor = shortRate[searchDate];
var earnedFactor = shortRateFactor;
var unearnedFactor = Math.round(((1 - shortRateFactor) + Number.EPSILON)*1000)/1000;
document.getElementById("earnedFactor").className = 'blue';
document.getElementById("unearnedFactor").className = 'blue';
}else {
var earnedFactor = 'ERROR'
var unearnedFactor = 'ERROR'
document.getElementById("earnedFactor").className = 'red';
document.getElementById("unearnedFactor").className = 'red';
}
// calculate premiums
var earnedPremium = Math.round(((totalPremium * earnedFactor) + Number.EPSILON)*100)/100;
var unearnedPremium = Math.round(((totalPremium * unearnedFactor) + Number.EPSILON)*100)/100;
document.getElementById("earnedPremium").className = 'green';
document.getElementById("unearnedPremium").className = 'orange';
// calculate breakdown
var calcBreak = +breakDO + +breakEO + +breakCyber + +breakLEI + +breakCGL + +breakProperty + +breakEB;
// check if breakdown matches total premium
var calcMatch = calcBreak-totalPremium;
if(totalPremium<calcBreak && totalPremium > 1) {
var checkMatch = "❌ Total breakdown does not match total premium. It is too high by " + calcMatch + ".";
document.getElementById("checkMatch").className = 'red';
var calculateBreakdown = false;
}else if(totalPremium>calcBreak && totalPremium > 1) {
var checkMatch = "❌ Total breakdown does not match total premium. It is too low by " + calcMatch + ".";
document.getElementById("checkMatch").className = 'red';
var calculateBreakdown = false;
}else if(totalPremium > 1) {
var checkMatch = "✅ Total breakdown matches total premium!";
document.getElementById("checkMatch").className = 'green';
var calculateBreakdown = true;
}else {
var checkMatch = "⚠️ More information is required to provide premium breakdown.";
document.getElementById("checkMatch").className = 'orange';
var calculateBreakdown = false;
}
// calculate breakdowns
if(calculateBreakdown == true) {
var percentDO = Math.round((((breakDO / totalPremium) * 100) + Number.EPSILON)*100)/100;
var earnedDO = Math.round(((breakDO * earnedFactor) + Number.EPSILON)*100)/100;
var unearnedDO = Math.round(((breakDO * unearnedFactor) + Number.EPSILON)*100)/100;
var percentEO = Math.round((((breakEO / totalPremium) * 100) + Number.EPSILON)*100)/100;
var earnedEO = Math.round(((breakEO * earnedFactor) + Number.EPSILON)*100)/100;
var unearnedEO = Math.round(((breakEO * unearnedFactor) + Number.EPSILON)*100)/100;
var percentCyber = Math.round((((breakCyber / totalPremium) * 100) + Number.EPSILON)*100)/100;
var earnedCyber = Math.round(((breakCyber * earnedFactor) + Number.EPSILON)*100)/100;
var unearnedCyber = Math.round(((breakCyber * unearnedFactor) + Number.EPSILON)*100)/100;
var percentLEI = Math.round((((breakLEI / totalPremium) * 100) + Number.EPSILON)*100)/100;
var earnedLEI = Math.round(((breakLEI * earnedFactor) + Number.EPSILON)*100)/100;
var unearnedLEI = Math.round(((breakLEI * unearnedFactor) + Number.EPSILON)*100)/100;
var percentCGL = Math.round((((breakCGL / totalPremium) * 100) + Number.EPSILON)*100)/100;
var earnedCGL = Math.round(((breakCGL * earnedFactor) + Number.EPSILON)*100)/100;
var unearnedCGL = Math.round(((breakCGL * unearnedFactor) + Number.EPSILON)*100)/100;
var percentProperty = Math.round((((breakProperty / totalPremium) * 100) + Number.EPSILON)*100)/100;
var earnedProperty = Math.round(((breakProperty * earnedFactor) + Number.EPSILON)*100)/100;
var unearnedProperty = Math.round(((breakProperty * unearnedFactor) + Number.EPSILON)*100)/100;
var percentEB = Math.round((((breakEB / totalPremium) * 100) + Number.EPSILON)*100)/100;
var earnedEB = Math.round(((breakEB * earnedFactor) + Number.EPSILON)*100)/100;
var unearnedEB = Math.round(((breakEB * unearnedFactor) + Number.EPSILON)*100)/100;
document.getElementById("percentDO").className = 'blue';
document.getElementById("earnedDO").className = 'green';
document.getElementById("unearnedDO").className = 'orange';
document.getElementById("percentEO").className = 'blue';
document.getElementById("earnedEO").className = 'green';
document.getElementById("unearnedEO").className = 'orange';
document.getElementById("percentCyber").className = 'blue';
document.getElementById("earnedCyber").className = 'green';
document.getElementById("unearnedCyber").className = 'orange';
document.getElementById("percentLEI").className = 'blue';
document.getElementById("earnedLEI").className = 'green';
document.getElementById("unearnedLEI").className = 'orange';
document.getElementById("percentCGL").className = 'blue';
document.getElementById("earnedCGL").className = 'green';
document.getElementById("unearnedCGL").className = 'orange';
document.getElementById("percentProperty").className = 'blue';
document.getElementById("earnedProperty").className = 'green';
document.getElementById("unearnedProperty").className = 'orange';
document.getElementById("percentEB").className = 'blue';
document.getElementById("earnedEB").className = 'green';
document.getElementById("unearnedEB").className = 'orange';
}else {
var percentDO = 'ERROR'
var earnedDO = 'ERROR'
var unearnedDO = 'ERROR'
var percentEO = 'ERROR'
var earnedEO = 'ERROR'
var unearnedEO = 'ERROR'
var percentCyber = 'ERROR'
var earnedCyber = 'ERROR'
var unearnedCyber = 'ERROR'
var percentLEI = 'ERROR'
var earnedLEI = 'ERROR'
var unearnedLEI = 'ERROR'
var percentCGL = 'ERROR'
var earnedCGL = 'ERROR'
var unearnedCGL = 'ERROR'
var percentProperty = 'ERROR'
var earnedProperty = 'ERROR'
var unearnedProperty = 'ERROR'
var percentEB = 'ERROR'
var earnedEB = 'ERROR'
var unearnedEB = 'ERROR'
document.getElementById("percentDO").className = 'red';
document.getElementById("earnedDO").className = 'red';
document.getElementById("unearnedDO").className = 'red';
document.getElementById("percentEO").className = 'red';
document.getElementById("earnedEO").className = 'red';
document.getElementById("unearnedEO").className = 'red';
document.getElementById("percentCyber").className = 'red';
document.getElementById("earnedCyber").className = 'red';
document.getElementById("unearnedCyber").className = 'red';
document.getElementById("percentLEI").className = 'red';
document.getElementById("earnedLEI").className = 'red';
document.getElementById("unearnedLEI").className = 'red';
document.getElementById("percentCGL").className = 'red';
document.getElementById("earnedCGL").className = 'red';
document.getElementById("unearnedCGL").className = 'red';
document.getElementById("percentProperty").className = 'red';
document.getElementById("earnedProperty").className = 'red';
document.getElementById("unearnedProperty").className = 'red';
document.getElementById("percentEB").className = 'red';
document.getElementById("earnedEB").className = 'red';
document.getElementById("unearnedEB").className = 'red';
}
// display policy terms
document.getElementById("termDays").innerHTML = termDays;
document.getElementById("forceDays").innerHTML = forceDays;
document.getElementById("remainingDays").innerHTML = remainingDays;
document.getElementById("earnedFactor").innerHTML = earnedFactor;
document.getElementById("unearnedFactor").innerHTML = unearnedFactor;
document.getElementById("earnedPremium").innerHTML = earnedPremium;
document.getElementById("unearnedPremium").innerHTML = unearnedPremium;
// display breakdown
document.getElementById("checkMatch").innerHTML = checkMatch;
document.getElementById("percentDO").innerHTML = percentDO;
document.getElementById("earnedDO").innerHTML = earnedDO;
document.getElementById("unearnedDO").innerHTML = unearnedDO;
document.getElementById("percentEO").innerHTML = percentEO;
document.getElementById("earnedEO").innerHTML = earnedEO;
document.getElementById("unearnedEO").innerHTML = unearnedEO;
document.getElementById("percentCyber").innerHTML = percentCyber;
document.getElementById("earnedCyber").innerHTML = earnedCyber;
document.getElementById("unearnedCyber").innerHTML = unearnedCyber;
document.getElementById("percentLEI").innerHTML = percentLEI;
document.getElementById("earnedLEI").innerHTML = earnedLEI;
document.getElementById("unearnedLEI").innerHTML = unearnedLEI;
document.getElementById("percentCGL").innerHTML = percentCGL;
document.getElementById("earnedCGL").innerHTML = earnedCGL;
document.getElementById("unearnedCGL").innerHTML = unearnedCGL;
document.getElementById("percentProperty").innerHTML = percentProperty;
document.getElementById("earnedProperty").innerHTML = earnedProperty;
document.getElementById("unearnedProperty").innerHTML = unearnedProperty;
document.getElementById("percentEB").innerHTML = percentEB;
document.getElementById("earnedEB").innerHTML = earnedEB;
document.getElementById("unearnedEB").innerHTML = unearnedEB;
}

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html, body, div, span, applet, object, iframe,
:root {
--width: 900px;
--font-family: Verdana, sans-serif;
--font-scale: 1em;
--bg-100: #100F0F;
--bg-200: #1C1B1A;
--ui-100: #282726;
--ui-200: #343331;
--ui-300: #403E3C;
--text-100: #CECDC3;
--text-200: #878580;
--text-300: #575653;
--blue-400: #4385BE;
--cyan-400: #3AA99F;
--green-400: #879A39;
--orange-400: #DA702C;
--purple-400: #8B7EC8;
--red-400: #D14D41;
--yellow-400: #D0A215;
}
@media (prefers-color-scheme: dark) {
:root {
}
}
body {
margin: 0 auto;
padding: 0 16px;
max-width: var(--width);
background-color: var(--bg-100);
font-family: var(--font-family);
font-size: var(--font-scale);
color: var(--text-100);
}
.blue { color: var(--blue-400); }
.cyan { color: var(--cyan-400); }
.green { color: var(--green-400); }
.orange { color: var(--orange-400); }
.purple { color: var(--purple-400); }
.red { color: var(--red-400); }
h1, h2, h3 {
margin: 0;
padding: 0;
}
h2 {
margin: 1rem 0;
}
a,
a:visited {
color: var(--text-100);
text-decoration: underline;
text-underline-offset: 3px;
text-decoration-thickness: 1px;
text-decoration-style: solid;
text-decoration-color: var(--cyan-400);
}
a:hover {
color: var(--cyan-400);
text-decoration: underline;
text-decoration-style: solid;
text-decoration-color: var(--cyan-400);
}
ul {
margin: 0;
padding: 0 0 0 1rem;
}
li {
list-style-type: square;
}
form {
margin: 0;
padding: 0;
}
button {
margin-top: 2rem;
padding: 10px;
width: 100%;
border: 1px solid var(--ui-100);
background-color: var(--bg-200);
color: var(--text-100);
}
button:hover{
border: 1px solid var(--ui-300);
}
input {
border: 1px solid var(--ui-100);
background-color: var(--bg-200);
color: var(--text-100);
}
input:hover {
border-color: var(--ui-300);
}
input:focus {
outline: none;
border-color: var(--cyan-400);
}
input::-webkit-outer-spin-button,
input::-webkit-inner-spin-button {
-webkit-appearance: none;
margin: 0;
}
input[type="number"] {
-moz-appearance: textfield;
}
blockquote {
margin: 1rem 0;
padding: 16px;
border-top: 1px dotted var(--yellow-400);
border-right: 1px dotted var(--yellow-400);
border-bottom: 1px dotted var(--yellow-400);
border-left: 8px solid var(--yellow-400);
background-color: var(--bg-200);
}
table {
width: 100%;
border-collapse: collapse;
border: 1px solid var(--ui-100);
background-color: var(--bg-200);
}
tr {
border: 1px solid var(--ui-100);
}
th {
padding: 4px 16px;
border-right: 1px solid var(--ui-100);
background-color: var(--ui-200);
}
td {
padding: 4px 16px;
border-right: 1px solid var(--ui-100);
}
tr td:nth-child(3) {
text-align: center;
}
tr td:nth-child(4),
tr td:nth-child(5) {
text-align: right;
}
header {
margin-top: 4rem;
}
main {
margin: 4rem 0;
}
.flex-container {
display: flex;
margin: 0;
padding: 0;
flex-direction: row;
gap: 2rem 1rem;
flex-wrap: wrap;
align-items: flex-start;
justify-content: center;
}
.flex-1 {
order: 1;
flex-grow: 1;
}
.flex-2{
order: 2;
flex-grow: 1
}
.flex-3 {
order: 3;
flex-grow: 2;
}
.flex-4 {
order: 4;
flex-grow: 2;
}
footer {
margin-bottom: 4rem;
padding-top: 2rem;
border-top: 1px dotted var(--ui-100);
font-size: .875em;
color: var(--text-200);
}