// Fig. 17.25: MC CreateSequentialFile.cpp
  // Create a sequential file.
  #include <iostream>
  using std::cerr;
  using std::cin;
  using std::cout;
  using std::endl;
  using std::ios;
 
  #include <fstream> // file stream         
  using std::ofstream; // output file stream
 
  #include <cstdlib>
  using std::exit; // exit function prototype
 
  int main()
  {
     // ofstream constructor opens file                
     ofstream outMCSequentialFile( "calculations.txt", ios::out );
 
     // exit program if unable to create file
     if ( !outMCSequentialFile ) // overloaded ! operator
     {
        cerr << "File could not be opened" << endl;
        exit( 1 );
     } // end if
 
     cout << "Please enter term in years." << endl;
     double term1;
	 double term2;
	 double term3;
 
     // read different terms from cin, then place in file
      cin >> term1 >> term2 >> term3; 
     {
        outMCSequentialFile << term1 << ' ' << term2 << ' ' << term3  << endl;
        cout << "? ";
     } // end while
	 cout << "Enter Interest Rate." << endl
        << "Enter end-of-file to end input.\n? ";
 
	double intRate1;
	double intRate2;
	double intRate3;
 
     // read interest rates from cin, then place in file
    cin >> intRate1>> intRate2 >> intRate3;
     {
        outMCSequentialFile << intRate1 << ' ' << intRate2 << ' ' << intRate3  << endl;
        cout << "? ";
     } // end while
 
 
     return 0; // ofstream destructor closes file
  } // end main

	/*  Week 4 Individual Assignment
	PRG 411
	Written By: Ken Volkman
	Date: 09/06/2008
	File Name: MC_PRG411_WK4
	Purpose: To calculate the amount a Mortgage Payement will be from
	user input values and to show the amortization schedule. Also it will let
	the user to select from a pre-determined menu of rates.
*/
	#include <iostream>    // Library defines facilities for basic I/O operations...
	#include <iomanip>		// Libaray for stream manipulators...
	#include <string>		// Library for accepting stings...
	#include <limits>		// Library for setting limits...
	#include <cmath>
	#include <fstream>
	#include <stdlib.h>
 
	using namespace std;	// Standard using definitions...
 
	class MortgageCal   
	{    
	    private:    
	        double intYear;     // interest rate per year...    
	        double intMonth;    // interest converted to months...    
	        double loanAmt;     // amount of the loan...    
	        double term;        // term in years...    
	        double numMonths;   // term converted to months...    
	        double paymentAmt;  // variable for monthly payment...    
	        double balance;     // running total...    
	        double principleAmt;// amount towards loan...    
			double loanBal;
 
	    public:  
 
	        // Constructor, initializes any unpassed value to zero...  
	        MortgageCal(  
	            double intYear = 0,   
	            double term = 0,  
	            double loanAmt = 0,  
	            double paymentAmt = 0,  
	            double numMonths = 0,  
	            double intMonth = 0,  
	            double balance = 0,  
	            double principleAmt = 0,  
				double loanBal = 0):  
	            intYear(intYear),  
	            term(term),  
	            loanAmt(loanAmt),  
	            paymentAmt(paymentAmt),  
	            numMonths(),  
	            intMonth(),  
	            balance(),  
	            principleAmt(),  
				loanBal(){ }
 
	        /// get and set for data elements... 
	        double getnumMonths() { return term * 12; }  
	        bool setnumMonths(double months) 
				{  
	            if (months > 0) { term = months/12; }  
	            else { return false; }  
	            return true;  
				} 
 
	        double getTermInYears() { return term; }  
	        bool setTermInYears(double years) 
				{   
	            if (years > 0) { term = years; }  
	            else { return false; }  
	            return true;  
				}  
	       double getPrinciple() { return principleAmt;}  
	        bool setPrinciple(double principle)
				{  
	            if (principle >= 0) { principleAmt = principle; }  
	            else { return false; }  
	            return true;  
				}  
	        double getLoanAmount(){ return loanAmt; }  
	        bool setLoanAmount(double loan)  
				{  
	            if (loan >= 0) { loanAmt = loan; }  
	            else { return false; }  
	            return true;  
				}  
 
			double getYearlyRate() { return intYear; }          
	        bool setYearlyRate(double rate) 
				{ 
				intYear = rate;   
				return true;
				}
 
	        double getPaymentAmount() { return paymentAmt; }          
	        bool setPaymentAmount (double payment) 
				{ 
				return true;
				}
			double getLoanBalance() { return loanBal;}  
	        bool setLoanBalance(double loanB)
				{  
	            if (loanB >= 0) { loanBal = loanBal-principleAmt; }  
	            else { return false; }  
	            return true;  
				}
			double getInterestMonth() { return intMonth = (intYear/1200);}  
	        bool setInterestMonth(double interest)
				{    
	            return true;  
				}
 
	        //Declare other member functions to be defined later... 
           void Amortization();
		   void Schedule();
		   void caseSchedule();
		   void enterLoanAmts();		  
 
	};  // end class
 
	// function to get input from the user...   
	double getRangedInput(const string prompt, double min, double max, int tries = 5);  
	void pause(); //pause  
	int menu = 0;  
	// Controls the main logic needed to interface with the user...
	int main() 
	{  
		double loanAmount;		// Initialize original amount of loan...
	    double term;			// Initialize term of loan in years...
		double numMonths;
		double intMonth;
		double paymentAmt;
		char indicator;
 
	    MortgageCal morgCalc;	// Redefine class as subclass...			
	do
	{
		system("cls");
		cout << endl << "\"Welcome to our Mortgage Calculator!\"";
		cout << "\n\n-------- Main Menu ---------";
		cout << "\n  1. Would you like to enter rate and term   ";
		cout << "\n  2. Would you like to select loan from menu ";
		cout << "\n----------------------------\n";
		cout << "Press 1 or 2: ";
		cin >>menu;
 
		//Loop after selecting type of loan
		if (menu == 1)
		{
			morgCalc.enterLoanAmts();
		}
		else if (menu == 2)
		{
		morgCalc.caseSchedule();
 
		/*cout << "After Amortinzation:\n"
			 << endl
	         << "Your payments will be: $" << paymentAmt; //MortgageCal.getPaymentAmount();*/ 
 
		//morgCalc.Amortization();
		//morgCalc.Schedule();
		}
		cout<< "\nEnter another loan (y)es or (n)o):";
		cin>>indicator;
	} while(indicator=='y');
	return 0;
 
} // end main 
 
	/** 
	 *Function for getting input from the user. 
	 * If the user enters an invalid string, or if the user enters a value outside of the  
	 * given range then it will give the user an error message... 
	 */  
	double getRangedInput(const string prompt, double min, double max, int tries) 
	{  
	    int userTry = 0;  
	    double userInVal = 0;  
	    bool isValidInput;  
	    do {  
	        cout << prompt << ": ";  
	        cin >> userInVal;  
	        if (!cin.good()) 
				{
				cout <<endl;
	            cout << "INPUT ERROR: Please input a proper number!" << endl;  
	            cin.clear();  
	            cin.ignore(numeric_limits<streamsize>::max(), '\n');  
	            isValidInput = false;  
				} else 
				{  
	            isValidInput = (userInVal >= min && userInVal <= max);  
				}  
	        if (!isValidInput) 
				{  
	            cout << "Please enter a value between " << min << " and " << max << "!" << endl;  
				cout << endl;
				}  
		  } while (!isValidInput && ++userTry < tries); // end while... 
	    if (userTry == tries) 
			{  
	        cout << "User input invalid, can not process!" << endl;  
	        exit(1); //If the user can't input a valid value, exit the program...   
			}  
	    return userInVal;  
 
	}  // end of get for error input...
 
	void MortgageCal::Schedule()
	{
		int intPymtNum = 1; // counter for payments 
		int max = 0; // displays maximum lines on screen 
		double intRate; // calculated loan interest 
		double intPayment; // interest amount applied to loan 
		double principleAmt; // principle amount applied to loan 
		double loanBal; // running balance of loan
 
				cout << endl  
					<< "This is a breakdown of "  
					<< "how much of your payment is applied " << endl;  
				cout << "to interest and the "  
					<< "balance of your loan: " << endl;  
	            system ( "PAUSE" );  
				cout << endl << endl; // headings  
				cout << " Payment" << setw(15) << "Interest"  
					<< endl;  
				cout << " Number " << setw(15) << "  Paid  "  
					<< setw(14) << "balance " << endl;  
				cout << " _______" << setw(15) << "________"  
					<< setw(14) << "________" << endl;
 
		loanBal = loanAmt; // used for running total		
		cout.setf(ios::fixed);      // fixed not scientific format
		cout.setf(ios::showpoint);  // trailing 0's
		cout.precision(2);			// 2 places
 
		for(int i = 1, max = 1; intPymtNum <= numMonths; i++)
		{ 
			// controls the loop of monthly payments 
			intRate = intMonth; //intMonth;
			intPayment = loanBal * intRate; 
			principleAmt = paymentAmt - (loanBal * intRate); 
			loanBal = loanBal - principleAmt; 
		if (loanBal <= 0) 
			{ 	
			loanBal = 0; // to avoid negative numbers
			} 
			cout << endl 
				<< setw(5) << intPymtNum << setw(17) 
				<< intPayment << setw(15) << loanBal; 
				intPymtNum++; // adds 1 to payment number 
				max++; // adds 1 to line count
		if (max == 20) // loop pauses program every 19 lines
			{   
			cout << endl;
			system ( "PAUSE" ); 
			max = 1; // resets line count 
			cout << endl << endl; // prints headings again 
			cout << " Payment" << setw(15) << "Interest" 
			<< endl; 
			cout << " Number " << setw(15) << " Paid " 
			<< setw(14) << "balance " << endl; 
			cout << " _______" << setw(15) << "________" 
			<< setw(14) << "________" << endl;
			} // end if loop 
		} // end for loop
	} // end MortgageCal::Schedule
 
	void pause() 
		{	
	    cout << "Press enter to continue...";  
	    cin.ignore(numeric_limits<streamsize>::max(), '\n');
	    cin.ignore();  
		}  
 
	/*define member functions...
	Determines monthly interest in decimal format
	Set up monthly payment calculations...*/
 
	void MortgageCal::Amortization() 
		{  
	    numMonths = term * 12;      // Converts years to months...   
	    intMonth = intYear/1200;    // Converts annual rate to monthly rate...    
	    paymentAmt = (loanAmt*intMonth)/(1-pow(1+intMonth,-numMonths)); // Amortization formula...  
		}  
 
	void MortgageCal::caseSchedule()
	{
	//Local Variables
	int checklist = 0;		//Check for if loop to make sure proper entry
	int choice=0;			//Verify choice of loan and send to array
	int ary;				//Choice of array from if loop
 
	int iarray[3] = {0};
	float farray[3] = {0.0F};
	ifstream in("calculations");
	in >> iarray[0] >> iarray[1] >> iarray[2];
	in >> farray[0] >> farray[1] >> farray[2];
 
	do
	{
		//Setup menu for loan to choose which term and interest rate
		cout<<"\n------Loan Menu Items------";
		cout<< "\n1) 7 years at 5.25%  \n2) 15 years at 5.5%  \n3) 30 years at 5.75%\n-------------------------\nEnter (1-3)";
		cin >> choice;
		checklist = 0;		//Reset checklist to 0 on loop
 
		if(choice <= 0)		//Error if user chooses 0 on loop
		{
			cout<<"\n\n\n";			
			cout<<"\n\nError! Please enter only 1, 2, or 3 to select the term and rate\n";
			checklist = 1;
		}	   
		else if(choice == 1)		//Send to array
		{
			ary=0;
		}
		else if(choice == 2)		//Send to array
		{
			ary=1;
		}
		else if (choice ==3)		//Send to array
		{
			ary=2;
		}
		else if (choice > 3)		//Error if user chooses a number greater then 3
		{
			cout<<"\n\n\n";
			cout<<"\n\nError! Please enter only 1, 2, or 3 to select the term and rate\n";
			checklist = 1;
		}
		cout<<"Please enter the Loan Amount:$";
			cin >> loanAmt;
	}
	while (checklist == 1);
	numMonths = (iarray[ary] * 12);			//Set Term for Mortgage Calculation
	intMonth = (farray[ary]/1200);		//Set Interest for Mortgage Calculation
	paymentAmt = (loanAmt*intMonth)/(1-pow(1+intMonth,-numMonths)); // Amortization formula...  
 
		cout << "After Amortinzation:\n"
		<< endl
	    << "Your payments will be: $" << paymentAmt; //MortgageCal.getPaymentAmount(); 
 
		MortgageCal::Schedule();
	} // End MortgageCal::caseSchedule
 
	void MortgageCal::enterLoanAmts()
	{
	double loanAmount;
	double yearlyRate;
 
		MortgageCal morgCalc;
		char indicator = ('y', 'Y');	// set indicator to 'y' for continue...
		while ((indicator =='y') || (indicator == 'Y')) // to continue loop as long as input = y
		{	      
	    /*get and set all of the input from the user/ranges...
		 Set up screen output to display mortgage amount, interest 
		rate and term of loan...*/
	    loanAmount = getRangedInput("Please enter the loan amount", 0, numeric_limits<double>::max());  
	    cout << endl;
		term = getRangedInput("Please enter the loan term in years", 0, 10000);  
	    cout << endl;
		yearlyRate = getRangedInput("Please enter the yearly interest rate", 0, 100);  
	    cout << endl;
		morgCalc.setLoanAmount(loanAmount);  
	    morgCalc.setTermInYears(term);  
	    morgCalc.setYearlyRate(yearlyRate);  
 
	    //display the payment calculations...  
	    morgCalc.Amortization(); 
 
	    cout << "After Amortinzation:\n"
			 << endl
	         << "Your payments will be: $" << morgCalc.getPaymentAmount(); 
 
	   	morgCalc.Schedule();
		cout << endl;
	    pause(); // to get user input to enter new values...
		cout << endl;			// Enter newline...
		//Set up screen for input on whether to enter new numbers or exit...
		cout << "Do you want to enter another value (enter y to continue or n to end)? "; 
		cin >> indicator;		// Read indicator input...
		} //end while
		cout << endl;
		cout << "\"Thank you for using our mortgage calculator\"" << endl;
		cout << endl;
		//cout<< "\nEnter another loan (y)es or (n)o):";
		//cin>>indicator;
		pause();
} // End MortgageCal::enterLoanAmts()

#include <iostream>    
#include <iomanip>		
#include <string>		
#include <limits>		
#include <cmath>
#include <fstream>
#include <stdlib.h>	      
using namespace std;	
 
 
class MortgageCal   
{    
	private:    
	double intYear;    
	double intMonth;    
	double loanAmt;    
	double term;        
	double numMonths;   
	double paymentAmt;     
	double balance;    
	double principleAmt;
	double loanBal;
 
	public:  
		MortgageCal(  
		double intYear = 0,   
		double term = 0,  
		double loanAmt = 0,  
		double paymentAmt = 0,  
		double numMonths = 0,  
		double intMonth = 0,  
		double balance = 0,  
		double principleAmt = 0,  
		double loanBal = 0):
 
		intYear(intYear),  
		term(term),  
		loanAmt(loanAmt),  
		paymentAmt(paymentAmt),  
		numMonths(),  
		intMonth(),  
		balance(),  
		principleAmt(),  
		loanBal(){ }
 
		double getnumMonths() 
		{ 
			return term * 12; 
		}  
 
		bool setnumMonths(double months) 
		{  
			if (months > 0) 
			{ 
				term = months/12; 
			}
 
			else 
			{ 
				return false; 
			}
 
			return true;  
		} 
 
		double getTermInYears() { return term; }  
		bool setTermInYears(double years) 
		{   
			if (years > 0) 
			{ 
				term = years; 
			}  
 
			else 
			{ 
				return false; 
			}  
 
			return true;  
		}  
 
		double getPrinciple() 
		{ 
			return principleAmt;
		}  
 
		bool setPrinciple(double principle)
		{  
			if (principle >= 0) 
			{ 
				principleAmt = principle; 
			}
 
			else 
			{ 
				return false; 
			}  
 
			return true;  
 
		}  
 
 
		double getLoanAmount()
		{ 
			return loanAmt; 
		}  
 
		bool setLoanAmount(double loan)  
		{  
				if (loan >= 0) 
				{ 
					loanAmt = loan; 
				}
 
				else 
				{ 
					return false; 
				}
 
				return true;  
		}  
 
		double getYearlyRate()
		{ 
			return intYear; 
		}
 
		bool setYearlyRate(double rate) 
		{ 
			intYear = rate;   
			return true;
		}
 
		double getPaymentAmount() 
		{ 
			return paymentAmt; 
		}
 
		bool setPaymentAmount (double payment) 
		{ 
			return true;
		}
 
		double getLoanBalance() 
		{ 
			return loanBal;
		}  
 
		bool setLoanBalance(double loanB)
		{  
			if (loanB >= 0) 
			{ 
				loanBal = loanBal-principleAmt; 
			}
 
			else 
			{ 
				return false; 
			}  
 
			return true;  
		}
 
		double getInterestMonth() 
		{ 
			return intMonth = (intYear/1200);
		}
 
		bool setInterestMonth(double interest)
		{    
			return true;  
		}
 
		void Amortization();
		void Schedule();
		void caseSchedule();
		void enterLoanAmts();		  
 
};
 
double getRangedInput(const string prompt, double min, double max, int tries = 5);  
void pause();
int menu = 0;  
 
double getRangedInput(const string prompt, double min, double max, int tries) 
{  
	int userTry = 0;  
	double userInVal = 0;  
	bool isValidInput;  
	do 
	{  
		cout << prompt << ": ";  
		cin >> userInVal;  
		if (!cin.good()) 
		{
			cout <<endl;
			cout << "INPUT ERROR: Please input a proper number!" << endl;  
			cin.clear();  
			cin.ignore(numeric_limits<streamsize>::max(), '\n');  
			isValidInput = false;  
		}
 
		else 
		{  
			isValidInput = (userInVal >= min && userInVal <= max);  
		}  
 
		if (!isValidInput) 
		{  
			cout << "Please enter a value between " << min << " and " << max << "!" << endl;  
			cout << endl;
		}
 
	} while (!isValidInput && ++userTry < tries);
 
	if (userTry == tries) 
	{  
		cout << "User input invalid, can not process!" << endl;  
		exit(1);
	}  
 
	return userInVal;  
 
}
 
void MortgageCal::Schedule()
{
	int intPymtNum = 1; 
	int max = 0; 
	double intRate; 
	double intPayment;  
	double principleAmt; 
	double loanBal; 
 
	cout << endl  << "This is a breakdown of how much of your payment is applied to interest and the balance of your loan: " << endl;  
	system ( "PAUSE" );  
 
	cout << endl << endl;
	cout << " Payment" << setw(15) << "Interest" << endl;  
	cout << " Number " << setw(15) << "  Paid  " << setw(14) << "balance " << endl;  
	cout << " _______" << setw(15) << "________"  << setw(14) << "________" << endl;
 
	loanBal = loanAmt; l		
	cout.setf(ios::fixed);      
	cout.setf(ios::showpoint);  
	cout.precision(2);			
 
	for(int i = 1, max = 1; intPymtNum <= numMonths; i++)
	{
		intRate = intMonth;
		intPayment = loanBal * intRate; 
		principleAmt = paymentAmt - (loanBal * intRate); 
		loanBal = loanBal - principleAmt; 
 
		if (loanBal <= 0) 
		{ 	
			loanBal = 0;
		} 
 
		cout << endl << setw(5) << intPymtNum << setw(17) << intPayment << setw(15) << loanBal; 
		intPymtNum++; 
		max++; 
 
		if (max == 20)
		{   
			cout << endl;
			system ( "PAUSE" ); 
			max = 1;
			cout << endl << endl;
			cout << " Payment" << setw(15) << "Interest" << endl; 
			cout << " Number " << setw(15) << " Paid " << setw(14) << "balance " << endl; 
			cout << " _______" << setw(15) << "________" << setw(14) << "________" << endl;
		}
	}
}
 
void pause() 
{	
	cout << "Press enter to continue...";  
	cin.ignore(numeric_limits<streamsize>::max(), '\n');
	cin.ignore();  
}  
 
void MortgageCal::Amortization() 
{  
	numMonths = term * 12;      
	intMonth = intYear/1200;    
	paymentAmt = (loanAmt*intMonth)/(1-pow(1+intMonth,-numMonths)); 
}  
 
void MortgageCal::caseSchedule()
{
	int checklist = 0;		
	int choice=0;			
	int ary;				
 
	int iarray[3] = {0};
	float farray[3] = {0.0F};
	ifstream in("calculations.txt");
	in >> iarray[0] >> iarray[1] >> iarray[2];
	in >> farray[0] >> farray[1] >> farray[2];
 
	do
	{
		cout<<"\n------Loan Menu Items------";
		cout<< "\n1) 7 years at 5.25%  \n2) 15 years at 5.5%  \n3) 30 years at 5.75%\n-------------------------\nEnter (1-3)";
		cin >> choice;
		checklist = 0;		
 
		if(choice <= 0)		
		{
			cout<<"\n\n\n";			
			cout<<"\n\nError! Please enter only 1, 2, or 3 to select the term and rate\n";
			checklist = 1;
		}
 
		else if(choice == 1)
		{
			ary=0;
		}
 
		else if(choice == 2)		
		{
			ary=1;
		}
 
		else if (choice ==3)		
		{
			ary=2;
		}
 
		else if (choice > 3)
		{
			cout<<"\n\n\n";
			cout<<"\n\nError! Please enter only 1, 2, or 3 to select the term and rate\n";
			checklist = 1;
		}
 
		cout<<"Please enter the Loan Amount:$";
			cin >> loanAmt;
	} while (checklist == 1);
 
	numMonths = (iarray[ary] * 12);			
	intMonth = (farray[ary]/1200);		
	paymentAmt = (loanAmt*intMonth)/(1-pow(1+intMonth,-numMonths)); 
 
	cout << "After Amortinzation:\n" << endl << "Your payments will be: $" << paymentAmt; 
 
	MortgageCal::Schedule();
}
 
void MortgageCal::enterLoanAmts()
{
	double loanAmount;
	double yearlyRate;
 
	MortgageCal morgCalc;
	char indicator = ('y', 'Y')
	while ((indicator =='y') || (indicator == 'Y')) 
	{	      
		loanAmount = getRangedInput("Please enter the loan amount", 0, numeric_limits<double>::max());
		term = getRangedInput("\nPlease enter the loan term in years", 0, 10000);  
		yearlyRate = getRangedInput("\nPlease enter the yearly interest rate", 0, 100);
		cout << endl;
		morgCalc.setLoanAmount(loanAmount);  
		morgCalc.setTermInYears(term);  
		morgCalc.setYearlyRate(yearlyRate);  
 
		morgCalc.Amortization(); 
 
		cout << "After Amortinzation:\n" << endl;
		cout <<  "Your payments will be: $" << morgCalc.getPaymentAmount(); 
 
   		morgCalc.Schedule();
		cout << endl;
		pause(); 
		cout << endl;			
 
		cout << "Do you want to enter another value (enter y to continue or n to end)? "; 
		cin >> indicator;		
 
	}
 
	cout << endl;
	cout << "\"Thank you for using our mortgage calculator\"" << endl;
	cout << endl;
 
	pause();
}
 
int main() 
{  
	double loanAmount;		
	double term;			
	double numMonths;
	double intMonth;
	double paymentAmt;
	char indicator;
 
	MortgageCal morgCalc;	
 
	do
	{
		system("cls");
		cout << endl << "\"Welcome to our Mortgage Calculator!\"";
		cout << "\n\n-------- Main Menu ---------";
		cout << "\n  1. Would you like to enter rate and term   ";
		cout << "\n  2. Would you like to select loan from menu ";
		cout << "\n----------------------------\n";
		cout << "Press 1 or 2: ";
		cin >>menu;
 
		if (menu == 1)
		{
			morgCalc.enterLoanAmts();
		}
		else if (menu == 2)
		{
			morgCalc.caseSchedule();
		}
 
		cout<< "\nEnter another loan (y)es or (n)o):";
		cin>>indicator;
 
	} while(indicator == 'y');
 
	return 0;
 
}