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11 Commits

Author SHA1 Message Date
8ed204eace Add custom URL 2025-03-21 10:45:47 -04:00
85669bb430 Add EPL breakdown 2025-03-21 10:45:34 -04:00
de3071891d Edit colour themes 2025-03-21 01:05:21 -04:00
38eba055ec Update appearance 2025-03-20 07:19:41 -04:00
f41473c1ac Edit footer 2025-01-12 14:39:25 -05:00
58b4eab0be Fix spacing between elements 2025-01-12 14:27:16 -05:00
5f6e99185c Update styling 2025-01-12 14:24:13 -05:00
d75b655bbb Add license 2025-01-12 13:10:21 -05:00
0a2b153e5a Edit title 2025-01-11 08:50:33 -05:00
26ce9b5c8a Fix short-rate calculation, add styling, add error messages, include disclaimer 2025-01-11 08:38:12 -05:00
3dadf20dbf Round to nearest hundredth decimal place 2025-01-09 01:23:34 -05:00
9 changed files with 1115 additions and 294 deletions

1
CNAME Normal file
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calculator.haothitran.com

9
LICENSE Normal file
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MIT License
Copyright (c) 2025 Hao Tran
Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the "Software"), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions:
The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software.
THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

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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,
62: 0.27,
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,
97: 0.37,
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,
123: 0.44,
124: 0.44,
125: 0.45,
126: 0.45,
127: 0.45,
128: 0.46,
129: 0.46,
130: 0.46,
131: 0.46,
132: 0.47,
133: 0.47,
134: 0.47,
135: 0.47,
136: 0.48,
137: 0.48,
138: 0.48,
139: 0.49,
140: 0.49,
141: 0.49,
142: 0.49,
143: 0.50,
144: 0.50,
145: 0.50,
146: 0.50,
147: 0.51,
148: 0.51,
149: 0.51,
150: 0.52,
151: 0.52,
152: 0.52,
153: 0.52,
154: 0.53,
155: 0.53,
156: 0.53,
157: 0.53,
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,
168: 0.57,
169: 0.57,
170: 0.57,
171: 0.57,
172: 0.58,
173: 0.58,
174: 0.58,
175: 0.58,
176: 0.59,
177: 0.59,
178: 0.59,
179: 0.60,
180: 0.60,
181: 0.60,
182: 0.60,
183: 0.61,
184: 0.61,
185: 0.61,
186: 0.61,
187: 0.61,
188: 0.62,
189: 0.62,
190: 0.62,
191: 0.62,
192: 0.63,
193: 0.63,
194: 0.63,
195: 0.63,
196: 0.63,
197: 0.64,
198: 0.64,
199: 0.64,
200: 0.64,
201: 0.65,
202: 0.65,
203: 0.65,
204: 0.65,
205: 0.65,
206: 0.66,
207: 0.66,
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,
266: 0.79,
267: 0.79,
268: 0.79,
269: 0.79,
270: 0.80,
271: 0.80,
272: 0.80,
273: 0.80,
274: 0.81,
275: 0.81,
276: 0.81,
277: 0.81,
278: 0.81,
279: 0.82,
280: 0.82,
281: 0.82,
282: 0.82,
283: 0.83,
284: 0.83,
285: 0.83,
286: 0.83,
287: 0.83,
288: 0.84,
289: 0.84,
290: 0.84,
291: 0.84,
292: 0.85,
293: 0.85,
294: 0.85,
295: 0.85,
296: 0.85,
297: 0.86,
298: 0.86,
299: 0.86,
300: 0.86,
301: 0.86,
302: 0.87,
303: 0.87,
304: 0.87,
305: 0.87,
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,
332: 0.93,
333: 0.94,
334: 0.94,
335: 0.94,
336: 0.94,
337: 0.94,
338: 0.95,
339: 0.95,
340: 0.95,
341: 0.95,
342: 0.95,
343: 0.96,
344: 0.96,
345: 0.96,
346: 0.96,
347: 0.97,
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 breakEPL = document.getElementById("breakEPL").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 = 'normal';
document.getElementById("unearnedFactor").className = 'normal';
// 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;
}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 = 'red';
// calculate breakdown
var calcBreak = +breakDO + +breakEPL + +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 percentEPL = Math.round((((breakEPL / totalPremium) * 100) + Number.EPSILON)*100)/100;
var earnedEPL = Math.round(((breakEPL * earnedFactor) + Number.EPSILON)*100)/100;
var unearnedEPL = Math.round(((breakEPL * 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 = 'normal';
document.getElementById("earnedDO").className = 'green';
document.getElementById("unearnedDO").className = 'red';
document.getElementById("percentEPL").className = 'normal';
document.getElementById("earnedEPL").className = 'green';
document.getElementById("unearnedEPL").className = 'red';
document.getElementById("percentEO").className = 'normal';
document.getElementById("earnedEO").className = 'green';
document.getElementById("unearnedEO").className = 'red';
document.getElementById("percentCyber").className = 'normal';
document.getElementById("earnedCyber").className = 'green';
document.getElementById("unearnedCyber").className = 'red';
document.getElementById("percentLEI").className = 'normal';
document.getElementById("earnedLEI").className = 'green';
document.getElementById("unearnedLEI").className = 'red';
document.getElementById("percentCGL").className = 'normal';
document.getElementById("earnedCGL").className = 'green';
document.getElementById("unearnedCGL").className = 'red';
document.getElementById("percentProperty").className = 'normal';
document.getElementById("earnedProperty").className = 'green';
document.getElementById("unearnedProperty").className = 'red';
document.getElementById("percentEB").className = 'normal';
document.getElementById("earnedEB").className = 'green';
document.getElementById("unearnedEB").className = 'red';
}else {
var percentDO = '-'
var earnedDO = '-'
var unearnedDO = '-'
var percentEPL = '-'
var earnedEPL = '-'
var unearnedEPL = '-'
var percentEO = '-'
var earnedEO = '-'
var unearnedEO = '-'
var percentCyber = '-'
var earnedCyber = '-'
var unearnedCyber = '-'
var percentLEI = '-'
var earnedLEI = '-'
var unearnedLEI = '-'
var percentCGL = '-'
var earnedCGL = '-'
var unearnedCGL = '-'
var percentProperty = '-'
var earnedProperty = '-'
var unearnedProperty = '-'
var percentEB = '-'
var earnedEB = '-'
var unearnedEB = '-'
document.getElementById("percentDO").className = 'red';
document.getElementById("earnedDO").className = 'red';
document.getElementById("unearnedDO").className = 'red';
document.getElementById("percentEPL").className = 'red';
document.getElementById("earnedEPL").className = 'red';
document.getElementById("unearnedEPL").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("percentEPL").innerHTML = percentEPL;
document.getElementById("earnedEPL").innerHTML = earnedEPL;
document.getElementById("unearnedEPL").innerHTML = unearnedEPL;
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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/*------------------------------------------------------------------------------
-- // RESETS
------------------------------------------------------------------------------*/
html { box-sizing: border-box; }
*,
*:before,
*:after {
box-sizing: border-box;
}
html, body, div, span,
header, nav, main, article, section, aside, footer,
h1, h2, h3, h4, h5, h6,
p, strong, em, b, i, u, a, ul, ol, li,
blockquote, pre, code, img, audio, video,
table, caption, thead, tbody, tfoot, tr, th, td,
form, input {
margin: 0;
padding: 0;
background: transparent;
font-size: 100%;
font-weight: normal;
vertical-align: baseline;
}
header, nav, main, article, section, aside, footer,
blockquote, pre, img, audio, video,
form {
display: block;
}
/* -----------------------------------------------------------------------------
-- // BASE
----------------------------------------------------------------------------- */
:root {
--width: 900px;
--font-family: Verdana, Arial, sans-serif;
--font-scale: 1em;
}
:root.light {
--bg-100:rgb(250, 250, 250);
--bg-200: rgb(220, 220, 220);
--text-100: rgb(20, 20, 20);
--text-200: rgb(100, 100, 100);
--ui-100: rgb(180, 180, 180);
--ui-200: rgb(80, 80, 80);
--highlight-accent: rgb(30, 80, 200);
--highlight-earned: rgb(40, 120, 20);
--highlight-unearned: rgb(180, 20, 40);
}
:root.dark {
--bg-100:rgb(15, 15, 15);
--bg-200: rgb(20, 20, 20);
--text-100: rgb(210, 210, 210);
--text-200: rgb(100, 100, 100);
--ui-100: rgb(32, 32, 32);
--ui-200: rgb(96, 96, 96);
--highlight-accent: rgb(50, 120, 230);
--highlight-earned: rgb(75, 185, 70);
--highlight-unearned: rgb(225, 70, 70);
}
:root.summer {
--bg-100:rgb(241, 222, 188);
--bg-200: rgb(240, 225, 204);
--text-100: #FD673A;
--text-200: rgb(216, 143, 47);
--ui-100: rgb(255, 186, 68);
--ui-200: rgb(241, 112, 166);
--highlight-accent: rgb(13, 150, 186);
--highlight-earned: rgb(0, 158, 84);
--highlight-unearned: rgb(248, 84, 75);
}
:root.slate {
--bg-100:rgb(20, 26, 38);
--bg-200: rgb(25, 31, 44);
--text-100: rgb(240, 240, 240);
--text-200: rgb(115, 115, 133);
--ui-100: rgb(35, 48, 75);
--ui-200: rgb(23, 102, 138);
--highlight-accent: rgb(216, 183, 39);
--highlight-earned: rgb(6, 211, 143);
--highlight-unearned: rgb(243, 66, 53);
}
:root.tokyo {
--bg-100: #16161f;
--bg-200: #1a1b26;
--text-100: #c0caf5;
--text-200: #737da0;
--ui-100: #353d50;
--ui-200: #b98331;
--highlight-accent: #2ac3de;
--highlight-earned: #95cc5a;
--highlight-unearned: #f8627d;
}
:root.solarized {
--bg-100:rgb(0, 43, 54);
--bg-200: rgb(5, 48, 59);
--text-100: rgb(147, 161, 161);
--text-200: rgb(131, 148, 150);
--ui-100: rgb(20, 83, 99);
--ui-200: rgb(42, 161, 152);
--highlight-accent: rgb(38, 139, 210);
--highlight-earned: rgb(133, 153, 0);
--highlight-unearned: rgb(220, 50, 47);
}
:root.forest {
--bg-100:#081c15;
--bg-200: #0b241b;
--text-100: #cad2c5;
--text-200: #2c5e3b;
--ui-100: #113a29;
--ui-200: #4a7a65;
--highlight-accent: #e9d947;
--highlight-earned: #4daf15;
--highlight-unearned: rgb(207, 95, 20);
}
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);
font-weight: normal;
line-height: 1.5;
color: var(--text-100);
}
/* -----------------------------------------------------------------------------
-- // BASIC ELEMENTS
----------------------------------------------------------------------------- */
.normal { color: var(--text-100); }
.blue { color: var(--highlight-accent); }
.green { color: var(--highlight-earned); }
.red { color: var(--highlight-unearned); }
h1 {
font-size: 2em;
font-weight: bold;
line-height: 1;
}
h2 {
margin-bottom: 1em;
font-size: 1.5em;
font-weight: bold;
line-height: 1;
}
p {
margin-bottom: 1em;
text-align: left;
}
p:last-child { margin-bottom: 0; }
a,
a:visited {
color: var(--text-100);
text-decoration: underline;
text-underline-offset: 2px;
text-decoration-thickness: 1px;
text-decoration-style: solid;
text-decoration-color: var(--highlight-accent);
}
a:hover {
color: var(--highlight-accent);
text-decoration: underline;
text-decoration-style: solid;
text-decoration-color: var(--highlight-accent);
}
ul {
margin-left: 1em;
padding-left: 1em;
}
li {
list-style-type: square;
}
blockquote {
margin: 1em 0;
padding: 12px 16px;
border: 1px solid var(--ui-100);
background-color: var(--bg-200);
font-size: .875em;
}
/* -----------------------------------------------------------------------------
-- // FORM
----------------------------------------------------------------------------- */
input,
label {
cursor: pointer;
}
input {
padding-left: 4px;
border: 1px solid var(--ui-100);
background-color: var(--bg-200);
color: var(--highlight-accent);
}
input:focus {
outline: none;
border-color: var(--ui-200);
}
/* Remove up and down arrows */
input::-webkit-outer-spin-button,
input::-webkit-inner-spin-button {
-webkit-appearance: none;
margin: 0;
}
input[type="number"] {
-moz-appearance: textfield;
}
.calcMethod {
margin: 1em 0;
}
.calcMethod span {
margin-right: 1em;
}
input[type="radio"] {
height: 1em;
width: 1em;
margin: 0 4px 0 8px;
}
button {
margin-top: 4rem;
padding: .75em 4em;
border: 1px solid var(--ui-100);
background-color: var(--bg-200);
color: var(--text-100);
}
button:hover{
border: 1px solid var(--ui-200);
cursor: pointer;
}
/* -----------------------------------------------------------------------------
-- // TABLE
----------------------------------------------------------------------------- */
table {
margin: 1em 0;
width: 100%;
border-collapse: collapse;
border: 0;
}
th {
padding: 2px 0 2px 8px;
font-weight: bold;
text-align: left;
vertical-align: middle;
}
td {
padding: 2px 0 2px 8px;
vertical-align: middle;
}
.with-border {
padding: 2px 4px;
border: 1px solid var(--ui-100);
}
/* -----------------------------------------------------------------------------
-- // LAYOUT
----------------------------------------------------------------------------- */
header {
margin-top: 4rem;
}
main {
margin: 4rem 0;
}
.flex-container {
display: flex;
margin: 0;
padding: 0;
flex-direction: row;
gap: 4rem 2rem;
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;
text-align: center;
}
footer {
margin-top: 4rem;
margin-bottom: 4rem;
padding-top: 2rem;
border-top: 1px solid var(--ui-100);
font-size: .75em;
color: var(--text-200);
}
select {
padding: 0 1em 0 0;
margin: 0;
border: none;
background-color: transparent;
font-family: inherit;
font-size: inherit;
line-height: inherit;
cursor: inherit;
}
#theme-select {
float: right;
margin-right: 1em;
padding: 4px 8px;
border: 1px solid var(--ui-200);
border-radius: .25em;
background-color: var(--bg-200);
color: var(--text-200);
cursor: pointer;
}

15
assets/theme.js Normal file
View File

@ -0,0 +1,15 @@
const setTheme = (theme) => {
document.documentElement.className = theme;
localStorage.setItem('theme', theme);
}
document.getElementById('theme-select').addEventListener('change', function() {
setTheme(this.value);
});
const getTheme = () => {
const theme = localStorage.getItem('theme');
theme && setTheme(theme);
}
getTheme();

View File

@ -3,122 +3,185 @@
<head>
<meta charset="UTF-8">
<meta name=""viewport" content=""width=device-width, initial-scale="1.0">
<title>Calculator</title>
<link rel="stylesheet" href="style.css">
<title>Premium Calculator</title>
<meta name="description" content="Insurance premium calculator for pro-rata and short-rate calculations.">
<link rel="stylesheet" href="assets/style.css">
<link rel="icon" type="image/x-icon" href="assets/favicon.ico">
</head>
<body>
<header>
<h1>Calculator</h1>
<h1>Premium Calculator</h1>
</header>
<main>
<form action="/action_page.php">
<div class="flex-container">
<div class="flex-1">
<h2>Policy Details</h2>
<label for="effectiveDate">Effective date:</label>
<input type="date" id="effectiveDate" name="effectiveDate" onblur="calculator()" min="0" oninput="validity.valid||(value='')">
<br>
<label for="expiryDate">Expiry date:</label>
<input type="date" id="expiryDate" name="expiryDate" onblur="calculator()" min="0" oninput="validity.valid||(value='')">
<br>
Days in policy term: <span id="termDays">-</span>
<br><br>
<label for="cancelDate">Cancellation date</label>
<input type="date" id="cancelDate" name="cancelDate" onblur="calculator()" min="0" oninput="validity.valid||(value='')">
<br>
Days in force: <span id="forceDays">-</span>
<br>
Days remaining: <span id="remainingDays">-</span>
<br><br>
Factor method:
<input type="radio" name="calcMethod" id="calcProRata" value="Pro Rata" onclick="calculator();" /> Pro Rata
<input type="radio" name="calcMethod" id="calcShortRate" value="Short Rate" onclick="calculator();"/> Short Rate
<br><br>
Earned factor: <span id="earnedFactor">-</span>
<br>
Unearned factor: <span id="unearnedFactor">-</span>
<br><br>
<label for="totalPremium">Total premium:</label>
<input type="number" id="totalPremium" name="totalPremium" onblur="calculator()" min="0" oninput="validity.valid||(value='')">
<br>
Earned premium: <span id="earnedPremium">-</span>
<br>
Return premium: <span id="unearnedPremium">-</span>
</div>
<div class="flex-2">
<h2>Breakdown</h2>
<p><span id="checkMatch">Total breakdown: N/A</span></p>
<label for="breakDO">D&O:</label>
<input type="number" id="breakDO" name="breakDO" onblur="calculator()" min="0" oninput="validity.valid||(value='')">
<br>
Earned premium: <span id="earnedDO">-</span>
<br>
Return premium: <span id="unearnedDO">-</span>
<br><br>
<label for="breakEO">E&O:</label>
<input type="number" id="breakEO" name="breakEO" onblur="calculator()" min="0" oninput="validity.valid||(value='')">
<br>
Earned premium: <span id="earnedEO">-</span>
<br>
Return premium: <span id="unearnedEO">-</span>
<br><br>
<label for="breakCyber">Cyber:</label>
<input type="number" id="breakCyber" name="breakCyber" onblur="calculator()" min="0" oninput="validity.valid||(value='')">
<br>
Earned premium: <span id="earnedCyber">-</span>
<br>
Return premium: <span id="unearnedCyber">-</span>
<br><br>
<label for="breakLEI">Legal Expense:</label>
<input type="number" id="breakLEI" name="breakLEI" onblur="calculator()" min="0" oninput="validity.valid||(value='')">
<br>
Earned premium: <span id="earnedLEI">-</span>
<br>
Return premium: <span id="unearnedLEI">-</span>
<br><br>
<label for="breakCGL">CGL:</label>
<input type="number" id="breakCGL" name="breakCGL" onblur="calculator()" min="0" oninput="validity.valid||(value='')">
<br>
Earned premium: <span id="earnedCGL">-</span>
<br>
Return premium: <span id="unearnedCGL">-</span>
<br><br>
<label for="breakProperty">Property:</label>
<input type="number" id="breakProperty" name="breakProperty" onblur="calculator()" min="0" oninput="validity.valid||(value='')">
<br>
Earned premium: <span id="earnedProperty">-</span>
<br>
Return premium: <span id="unearnedProperty">-</span>
<br><br>
<label for="breakEB">Equipment Breakdown::</label>
<input type="number" id="breakEB" name="breakEB" onblur="calculator()" min="0" oninput="validity.valid||(value='')">
<br>
Earned premium: <span id="earnedEB">-</span>
<br>
Return premium: <span id="unearnedEB">-</span>
<br><br>
</div>
<div class="flex-container">
<div class="flex-1">
<h2>Policy Details</h2>
<table>
<tr>
<th><label for="effectiveDate">Effective date</label></th>
<td><input type="date" id="effectiveDate" name="effectiveDate" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
</tr>
<tr>
<th><label for="expiryDate">Expiry date:</label></th>
<td><input type="date" id="expiryDate" name="expiryDate" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
</tr>
<tr>
<th><label for="cancelDate">Cancellation date:</label></th>
<td><input type="date" id="cancelDate" name="cancelDate" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
</tr>
<tr>
<th><label for="totalPremium">Total premium:</label></th>
<td><input type="number" id="totalPremium" name="totalPremium" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
</tr>
<tr>
<th>Days in policy term:</th>
<td><span id="termDays">-</span></td>
</tr>
<tr>
<th>Days in force:</th>
<td><span id="forceDays">-</span></td>
</tr>
<tr>
<th>Days remaining:</th>
<td><span id="remainingDays">-</span></td>
</tr>
</table>
</div>
</form>
<button onclick="calculator()">Calculate</button>
<div class="flex-2">
<h2>Factor Method</h2>
<div class="calcMethod">
<label for="calcProRata">
<input type="radio" name="calcMethod" id="calcProRata" value="Pro Rata" checked="checked" onclick="calculator();" >
<span>Pro Rata</span>
</label>
<label for="calcShortRate">
<input type="radio" name="calcMethod" id="calcShortRate" value="Short Rate" onclick="calculator();" >
<span>Short Rate</span>
</label>
</div>
<table>
<tr>
<td class="with-border"></td>
<th class="with-border">Earned</th>
<th class="with-border">Unearned</th>
</tr>
<tr>
<th class="with-border">Factor</th>
<td class="with-border"><span id="earnedFactor">-</span></td>
<td class="with-border"><span id="unearnedFactor">-</span></td>
</tr>
<tr>
<th class="with-border">Premium</th>
<td class="with-border"><span id="earnedPremium">-</span></td>
<td class="with-border"><span id="unearnedPremium">-</span></td>
</tr>
</table>
</div>
<div class="flex-3">
<h2>Premium Breakdown (Optional)</h2>
<blockquote><span id="checkMatch">Total breakdown: N/A</span></blockquote>
<table>
<tr>
<th>Coverage</th>
<th>Premium</th>
<th>Breakdown (%)</th>
<th>Earned Premium</th>
<th>Unearned Premium</th>
</tr>
<tr>
<td><label for="breakDO">D&O</label></td>
<td><input type="number" id="breakDO" name="breakDO" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
<td><span id="percentDO">-</span></td>
<td><span id="earnedDO">-</span></td>
<td><span id="unearnedDO">-</span></td>
</tr>
<tr>
<td><label for="breakEPL">EPL</label></td>
<td><input type="number" id="breakEPL" name="breakEPL" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
<td><span id="percentEPL">-</span></td>
<td><span id="earnedEPL">-</span></td>
<td><span id="unearnedEPL">-</span></td>
</tr>
<tr>
<td><label for="breakEO">E&O</label></td>
<td><input type="number" id="breakEO" name="breakEO" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
<td><span id="percentEO">-</span></td>
<td><span id="earnedEO">-</span></td>
<td><span id="unearnedEO">-</span></td>
</tr>
<tr>
<td><label for="breakCyber">Cyber</label></td>
<td><input type="number" id="breakCyber" name="breakCyber" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
<td><span id="percentCyber">-</span></td>
<td><span id="earnedCyber">-</span></td>
<td><span id="unearnedCyber">-</span></td>
</tr>
<tr>
<td><label for="breakLEI">Legal Expense</label></td>
<td><input type="number" id="breakLEI" name="breakLEI" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
<td><span id="percentLEI">-</span></td>
<td><span id="earnedLEI">-</span></td>
<td><span id="unearnedLEI">-</span></td>
</tr>
<tr>
<td><label for="breakCGL">CGL</label></td>
<td><input type="number" id="breakCGL" name="breakCGL" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
<td><span id="percentCGL">-</span></td>
<td><span id="earnedCGL">-</span></td>
<td><span id="unearnedCGL">-</span></td>
</tr>
<tr>
<td><label for="breakProperty">Property</label></td>
<td><input type="number" id="breakProperty" name="breakProperty" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
<td><span id="percentProperty">-</span></td>
<td><span id="earnedProperty">-</span></td>
<td><span id="unearnedProperty">-</span></td>
</tr>
<tr>
<td><label for="breakEB">Equipment Breakdown</label></td>
<td><input type="number" id="breakEB" name="breakEB" onblur="calculator()" min="0" oninput="validity.valid||(value='')"></td>
<td><span id="percentEB">-</span></td>
<td><span id="earnedEB">-</span></td>
<td><span id="unearnedEB">-</span></td>
</tr>
</table>
<div class="flex-4">
<button onClick="calculator()">Calculate</button>
</div>
</div>
</main>
<footer>
<p>Created by <a href="https://haothitran.com">Hao Tran</a>.</p>
<p>Note: Calculations are rounded to the nearest tenth decimal. As such, there may sometimes be issues of rounding error.</p>
<select name="theme-select" id="theme-select">
<option value="light">Light</option>
<option value="dark">Dark</option>
<option value="summer">Summer</option>
<option value="slate">Slate</option>
<option value="tokyo">Tokyo</option>
<option value="solarized">Solarized</option>
<option value="forest">Forest</option>
</select>
<ul>
<li>Made by <a href="https://haothitran.com">Hao Tran</a>. View the project repository on <a href="https://forge.haothitran.com/KlazHTT/premium-calculator">Gitea</a> or <a href="https://github.com/KlazHTT/premium-calculator">Github</a>.</li>
<li>This calculator is intended for informational use only and does not constitute advice. </li>
<li>Calculations are rounded to the nearest hundredth. As such, there may be rounding discrepancies.</li>
<li>Date format is determined by browser and/or operating system settings.</li>
</ul>
</footer>
<script src="assets/calculator.js"></script>
<script src="assets/theme.js"></script>
</body>
<script src="scripts/calculator.js"></script>
</html>

View File

@ -1,114 +0,0 @@
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;
// calculate short rate
}else if(document.getElementById('calcShortRate').checked) {
var earnedFactor = Math.round(((1 - ((remainingDays / termDays ) * 0.9)) + Number.EPSILON)*1000)/1000;
var unearnedFactor = Math.round((((remainingDays / termDays) * 0.9) + Number.EPSILON)*1000)/1000;
}
// calculate premiums
var earnedPremium = Math.round(((totalPremium * earnedFactor) + Number.EPSILON)*1000)/1000;
var unearnedPremium = Math.round(((totalPremium * unearnedFactor) + Number.EPSILON)*1000)/1000;
// calculate breakdown
var calcBreak = +breakDO + +breakEO + +breakCyber + +breakLEI + +breakCGL + +breakProperty + +breakEB;
// check if breakdown matches total premium
var calcMatch = calcBreak-totalPremium;
if(totalPremium<calcBreak) {
var checkMatch = "Total breakdown is too high by " + calcMatch + ".";
document.getElementById("checkMatch").className = 'red';
var calculateBreakdown = false;
}else if(totalPremium>calcBreak) {
var checkMatch = "Total breakdown is too low by " + calcMatch + ".";
document.getElementById("checkMatch").className = 'red';
var calculateBreakdown = false;
}else {
var checkMatch = "Total breakdown matches total premium! Success!";
document.getElementById("checkMatch").className = 'green';
var calculateBreakdown = true;
}
// calculate breakdowns
if(calculateBreakdown == true) {
var earnedDO = Math.round(((breakDO * earnedFactor) + Number.EPSILON)*1000)/1000;
var unearnedDO = Math.round(((breakDO * unearnedFactor) + Number.EPSILON)*1000)/1000;
var earnedEO = Math.round(((breakEO * earnedFactor) + Number.EPSILON)*1000)/1000;
var unearnedEO = Math.round(((breakEO * unearnedFactor) + Number.EPSILON)*1000)/1000;
var earnedCyber = Math.round(((breakCyber * earnedFactor) + Number.EPSILON)*1000)/1000;
var unearnedCyber = Math.round(((breakCyber * unearnedFactor) + Number.EPSILON)*1000)/1000;
var earnedLEI = Math.round(((breakLEI * earnedFactor) + Number.EPSILON)*1000)/1000;
var unearnedLEI = Math.round(((breakLEI * unearnedFactor) + Number.EPSILON)*1000)/1000;
var earnedCGL = Math.round(((breakCGL * earnedFactor) + Number.EPSILON)*1000)/1000;
var unearnedCGL = Math.round(((breakCGL * unearnedFactor) + Number.EPSILON)*1000)/1000;
var earnedProperty = Math.round(((breakProperty * earnedFactor) + Number.EPSILON)*1000)/1000;
var unearnedProperty = Math.round(((breakProperty * unearnedFactor) + Number.EPSILON)*1000)/1000;
var earnedEB = Math.round(((breakEB * earnedFactor) + Number.EPSILON)*1000)/1000;
var unearnedEB = Math.round(((breakEB * unearnedFactor) + Number.EPSILON)*1000)/1000;
}else {
var earnedDO = 'ERROR'
var unearnedDO = 'ERROR'
var earnedEO = 'ERROR'
var unearnedEO = 'ERROR'
var earnedCyber = 'ERROR'
var unearnedCyber = 'ERROR'
var earnedLEI = 'ERROR'
var unearnedLEI = 'ERROR'
var earnedCGL = 'ERROR'
var unearnedCGL = 'ERROR'
var earnedProperty = 'ERROR'
var unearnedProperty = 'ERROR'
var earnedEB = 'ERROR'
var unearnedEB = 'ERROR'
}
// 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("earnedDO").innerHTML = earnedDO;
document.getElementById("unearnedDO").innerHTML = unearnedDO;
document.getElementById("earnedEO").innerHTML = earnedEO;
document.getElementById("unearnedEO").innerHTML = unearnedEO;
document.getElementById("earnedCyber").innerHTML = earnedCyber;
document.getElementById("unearnedCyber").innerHTML = unearnedCyber;
document.getElementById("earnedLEI").innerHTML = earnedLEI;
document.getElementById("unearnedLEI").innerHTML = unearnedLEI;
document.getElementById("earnedCGL").innerHTML = earnedCGL;
document.getElementById("unearnedCGL").innerHTML = unearnedCGL;
document.getElementById("earnedProperty").innerHTML = earnedProperty;
document.getElementById("unearnedProperty").innerHTML = unearnedProperty;
document.getElementById("earnedEB").innerHTML = earnedEB;
document.getElementById("unearnedEB").innerHTML = unearnedEB;
}
doSomething

View File

@ -1,76 +0,0 @@
:root {
--width: 900px;
--font-family: Verdana, sans-serif;
--font-scale: 1em;
--bg-100: #100F0F;
--bg-200: #1C1B1A;
--ui-100: #292726;
--ui-200: #343331;
--ui-300: #403E3C;
--text-100: #CECDC3;
--cyan-400: #3AA99F;
--green-400: #879A39;
--red-400: #D14D41;
}
@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);
}
.green { color: var(--green-400); }
.red { color: var(--red-400); }
button {
margin-top: 2rem;
padding: 10px;
width: 100%;
border: 1px solid var(--ui-300);
background-color: var(--green-400);
color: var(--text-100);
}
input {
border: 1px solid var(--ui-300);
background-color: var(--ui-100);
color: var(--text-100);
}
input:focus {
outline: none;
border-color: var(--cyan-400);
}
header {
margin-top: 4rem;
}
main {
margin: 4rem 0;
}
.flex-container {
display: flex;
flex-direction: row;
column-gap: 1rem;
}
.flex-1 {
order: 1;
width: 400px;
}
.flex-2 {
order: 2;
}