

<?php //include 'variables.php'; 
		
//Check first that child theme is used or Parent theme and then that file exist or not in child theme if exist this file in child theme then include that otherwise used parent theme file
if ( get_stylesheet_directory() != get_template_directory() && 
file_exists(get_stylesheet_directory().'/includes/variables.php') ) 
{			
	include get_stylesheet_directory() . '/includes/variables.php';
}
else {
				
	include get_template_directory() . '/includes/variables.php';
}

?>
<div class="widget" id="loancalculator">
<h3 class='loancalculator bar'>
		<?php echo get_option('wp_loancalculator_text'); ?>
</h3>

<div id="loancalculator_houses">
<?php if (get_option('wp_site') == "Real Estate") { ?>
<script type="text/javascript">
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".mc-legend":"display: inline-block; margin: 0 5px 0 0; line-height: 7pt; font-size: 7pt; width: 7pt; height: 7pt",".mc-scroll":"margin: 0; overflow-x: hidden; overflow-y: scroll;",".mc-message":"font-size: 8pt",".mc-button":"cursor: pointer; float: right; width: 100%; height: 30px; padding: 1px; border: 1px solid; -moz-border-radius: 4px; -webkit-border-radius: 4px; font-family: Arial, san-serif; font-size: 11pt; font-weight: bold;",".mc-footer":"margin: 2px 0 0 0; font-family: Arial, san-serif; font-size: 7.5pt; text-align: right",
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br:"clear: left"},".mc-tabs":{self:"position: absolute; margin: 10px 0 0 0; padding: 0; list-style-type: none; z-index: 100",".mc-tab":"cursor: pointer; float: left; margin: 0; padding: 0 10px 0 10px; line-height: 28px; border: 1px solid; -moz-border-radius: 5px; -webkit-border-radius: 5px; -moz-border-radius-bottomleft: 0; -moz-border-radius-bottomright: 0; -webkit-border-bottom-left-radius: 0; -webkit-border-bottom-right-radius: 0; font-family: Arial, san-serif; font-size: 11pt; font-weight: bold",
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".mc-logo":"float: none; text-align: center",".mc-graph":"margin: 0",".mc-legend":"margin: 0 4px 0 0; line-height: 5pt; font-size: 5pt; width: 5pt; height: 5pt",".mc-button":"float: none; clear: left; width: 100%; margin: 5px 0 0 0",".mc-footer":"text-align: left",".mc-fields":{self:"margin: 0",label:"margin: 0 0 0 2px; width: 65px; line-height: 18px; font-family: Arial, san-serif; font-size: 9pt",input:"margin: 0 0 4px 0; width: 66px; font-size: 8pt",select:"margin: 0 0 4px 0; width: 72px; font-size: 8pt",
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f.extend(MortgageCalculator.prototype,{F:function(){return false},Z:function(b,a,e){b=this.N(b,e);return isNaN(b)?a:b},N:function(b,a){b=parseFloat(b instanceof f?b.val():b);if(isNaN(b)||!a)return b;a=Math.pow(10,a);return Math.round(b*a)/a},$:function(b){b=this.N(b,2);var a=b<0?"-":"",e=parseInt(b=Math.abs(b),10)+"",c=(c=e.length)>3?c%3:0;return"$"+a+(c?e.substr(0,c)+",":"")+e.substr(c).replace(/(\d{3})(?=\d)/g,"$1,")+"."+Math.abs(b-e).toFixed(2).slice(2)},P:function(b){var a=[];f.each(b,function(e,
c){a.push(e+"="+c)});return a.join("&")},B:function(){var b=f.makeArray(arguments),a=b.shift(),e=b.shift();return function(){return e.apply(a,b.concat(f.makeArray(arguments)))}},E:function(b,a,e){var c="ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz0123456789-.",h=[];a=a||Math.max.apply({},b);e=e||4095;for(var d=0;d<b.length;d++)if(b[d]!=null){var n=Math.round(b[d]*e/a),j=Math.floor(n/c.length);n=n-c.length*j;h.push(c.charAt(j)+c.charAt(n))}else h.push("__");return h.join("")},C:function(b){var a=
this.colors.value;return f(b).map(function(e,c){return a[c.constructor==Array?c[0]:c].substr(1)}).get().join()},proper:function(b){return b.substr(0,1).toUpperCase()+b.substr(1).toLowerCase()},table:function(b){return f("<table/>").addClass("mc-table").attr({cellspacing:0,cellpadding:0}).appendTo(b)},column:function(b,a,e){f.each(b,function(){f(this).find("tr").find(":nth-child("+a+")")[e?"show":"hide"]()})},row:function(b,a,e){if(a)b.find("tr:nth-child("+a+")")[e?"show":"hide"]();else return f("<tr/>").appendTo(b)},
cell:function(b,a){return f("<td/>").css(this.colors.css.table).html(a||"").appendTo(b)},head:function(b,a,e){b=f("<th/>").appendTo(b);e&&this.legend(b,e);return b.append(f("<span/>").text(a)).append("<sup/>")},legend:function(b,a){f("<span/>").addClass("mc-legend").css("background",this.colors.value[a.toLowerCase()]).html("&nbsp;").appendTo(b)},message:function(b,a,e){var c=this,h=c.values,d=h.input;h=h.value;a.find("sup").html(d.pmi>0?" &dagger;":"");if(d.pmi>0){d=h.down>=0.2?"PMI is not included with a down payment of 20% or greater":
"PMI is cancelled after "+c.N(h.pmiTerm/12,1).toFixed(1)+" years when 20% of the principal has been paid";b?b.append("&dagger; "+d+"<br/>"):a.attr("title",d)}e.find("sup").html(h.extra>0?" &Dagger;":"");if(h.extra>0){d="The loan is paid off in "+c.N(h.paymentTerm/12,1).toFixed(1)+" years with the extra monthly payments";b?b.append("&Dagger; "+d):e.attr("title",d)}},pane:function(b){var a=this,e=a.objects,c=e.pane;if(a.errors.length>0)b="error";else if(!a.processed)return;a[b]();c&&c.stop().hide();
c=e.panes[b];if(a.animate&&c!=undefined){b=a.quirks?a.widget?12:22:0;a=e.pane?e.pane.height()+b:0;e.pane=c.show().data("height",c.data("height")||c.height()+b).height(a+b).preAnim().animate({height:c.data("height")},{duration:750,easing:"mc",complete:c.postAnim})}else if(c!=undefined)e.pane=c.show()},error:function(){var b=this,a=b.objects.errors;if(a){a.empty();f.each(b.errors,function(){f("<li></li>").html(this.replace(/'(.+)'/,"<b>$1</b>")).appendTo(a)})}},payment:function(b){label=function(q,
x,y){return f(q).map(function(v,w){return w[1]+" ("+(x[v]*100/y).toFixed(0)+"%)"}).get().join("|")};var a=this,e=a.objects,c=e.payment,h=a.values,d=a.colors,n=a.fields;e=a.widget;var j=c.groups,m=c.headers;if(b){var k=c.index||0;e=c.index=(k+b+j.length)%j.length;d=j[e];var g=c[j[k]].table.stop(true,true);k=c[d].table.stop(true,true);c.title.text(a.proper(d)+(e==2?"":"ly"));if(a.animate){j=(g.width()+10)*b;g.animate({left:j},{duration:750,easing:"mc",complete:function(){g.hide().css("left",0)}});k.css({left:-j}).show().animate({left:0},
{duration:750,easing:"mc"})}else{g.hide();k.show()}}else{k=h.value;var s=h.payment;g=s.total;var o=n.taxes.enabled,A=n.insurance.enabled,C=n.pmi.enabled,t=o||A||C,u=A?C?"Ins/PMI":"Insurance":"PMI";if(!s.processed){f.each(j,function(q,x){f.each(m,function(y,v){c[x][v].html(a.$(s[x][v]))})});if(e){f.each(j,function(){var q=c[this],x=q.table;a.message(null,q.head.insurance.find("span:last").text(u).end(),q.head[t?"total":"payment"]);a.row(x,2,o);a.row(x,3,A||C);a.row(x,4,t)});c.tables.height(c.total.table.find("tr:visible").size()*
23+(a.browser.opera?2:0))}else{h=c.table;a.message(c.message.empty(),c.head.insurance.find("span:last").text(u).end(),c.total.head);a.column(h,3,o);a.column(h,4,A||C);a.column(h,5,t)}j=a.width-(e?24:44);n=90;h={cht:"p3",chf:"bg,s,"+d.pane.back.substr(1)};if(k.taxes+k.insurance+k.pmi>0){d=[["payment","Payment"]];b=[g.payment];if(k.taxes>0){d.push(["taxes","Taxes"]);b.push(g.taxes)}if(k.insurance>0||k.pmi>0){d.push(["insurance",u]);b.push(g.insurance)}c.legend.show();c.graph.width(j=e?j:a.N(j/2,0)).height(n).attr("src",
a.google+a.P(f.extend({},h,{chs:j+"x"+n,chco:a.C(d),chd:"e:"+a.E(b),chl:e?"":label(d,b,g.total)}))).show()}else{c.graph.hide();c.legend.hide()}if(!e){d=[["principal","Principal"],["interest","Interest"]];b=[g.principal,g.interest];if(k.extra>0){d.push(["extra","Extra"]);b.push(g.extra)}c.graph2.width(j).height(n).attr("src",a.google+a.P(f.extend({},h,{chs:j+"x"+n,chco:a.C(d),chd:"e:"+a.E(b),chl:label(d,b,g.payment)}))).show()}s.processed=true}}},amort:function(b){var a=this,e=a.objects,c=e.amort,
h=a.values;e=a.colors;var d=a.fields,n=a.widget,j=h.input,m=h.value,k=h.payment,g=k.total,s=h.amort,o=s.month,A=s.year,C=d.taxes.enabled,t=d.insurance.enabled,u=d.pmi.enabled,q=d.extra.enabled;q=q?"Prin/Xtra":"Principal";var x=t?u?"Ins/PMI":"Insurance":"PMI";if(b){b=a.popup;j=0;var y=Math.max(Math.ceil(d.count/2),3),v;c=f("<div/>");var w;if(!b||b.closed){t=f.browser.msie;s=MortgageCalculator.style;v=t?s.cssText:f(s.cssRules).map(function(){return this.cssText}).get().join("");b=a.popup=window.open("",
t?null:"mc-popup","width=700,height=400,menubar=yes,location=no,status=no,scrollbars=yes");b.document.write('<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"><html><head><style type="text/css">body{margin:0;padding: 15px}'+v+'</style></head><body class="mc-container" style="width: auto"></body></html>');b.document.close()}else b.focus();s=f(b.document).find("body").empty();w=a.table(c).css("table-layout","auto").width("auto").append('<col width="120"/><col width="140"/><col width="140"/><col width="140"/>');
v=[];f.each(d,function(i,l){if(l.enabled){var r=l.label.split("|")[0];l=h.input[i];var p=j%y;p=v[p]||(v[p]=a.row(w));a.head(p,r).css("text-align","left");a.cell(p,i=="term"?l+" years":i=="interest"?l.toFixed(2)+"%":a.$(l)+(i=="taxes"||i=="insurance"?" /yr":i=="pmi"||i=="extra"?" /mo":""));j++}});for(j=d.count;j<y*2;j++)a.head(v[j%y],"").attr("colSpan",2);w.find("th:odd").css("padding","0 0 0 20px");w=a.table(c).css("margin","15px 0 0 0");v=a.row(w);f.each(["Month",q,"Interest","Taxes",x,"Balance"],
function(i,l){a.head(v,l).width(i==0?50:"auto")});for(q=0;q<h.value.paymentTerm;q++){a.cell(v=a.row(w),q+1);f.each([o.principal[q]+o.extra[q],o.interest[q],o.taxes[q],o.insurance[q],o.balance[q]],function(){a.cell(v,a.$(this))})}a.head(v=a.row(w),"Total");a.head(v,a.$(g.principal+g.extra));a.head(v,a.$(g.interest));a.head(v,a.$(g.taxes));a.head(v,a.$(g.insurance));v.find("th").css("padding","10px 0 0 0");w.find("td:last-child").css({background:e.value.total,borderLeftWidth:2}).end().find("tr:nth-child(12n+2):not(:first) td").css({borderTopWidth:2});
a.column(w,4,C);a.column(w,5,t||u);s.append(c.html());n||window.setTimeout(function(){b.print()},100)}else if(!n)if(!s.processed){w=c.table;n=c.head;d=c.foot;f.each(w.find("tr"),function(i){var l=f(this);i<m.paymentTerm?l.show().children(":first").next().text(a.$(o.principal[i]+o.extra[i])).next().text(a.$(o.interest[i])).next().text(a.$(o.taxes[i])).next().text(a.$(o.insurance[i])).next().text(a.$(o.balance[i])):l.hide()});a.column([n,w,d],4,C);a.column([n,w,d],5,t||u);d.find("th:first").next().text(a.$(g.principal+
g.extra)).next().text(a.$(g.interest)).next().text(a.$(g.taxes)).next().text(a.$(g.insurance));n.principal.find("span:last").text(q);a.message(c.message.empty(),n.insurance.find("span:last").text(x).end(),n.total);b=a.width-44;n=130;o=k.year.total;g=["principal","interest"];m.extra>0&&g.unshift("extra");m.taxes>0&&g.push("taxes");if(m.pmi>0||m.insurance>0)g.push("insurance");e={cht:"bvs",chm:"D,"+e.value.balance.substr(1)+","+g.length+",0,2,0",chbh:"a,4",chs:b+"x"+n,chxt:"x,y",chxl:"0:|"+function(i,
l){for(;l++<=h.input.term;)i.push(l);return i.join("|")}([],0)+"|1:|$0|$"+k.month.total.toFixed(0),chf:"bg,s,"+e.pane.back.substr(1),chco:a.C(g),chd:"e"+g.length+":"+(m.extra>0?a.E(A.extra,o)+",":"")+a.E(A.principal,o)+","+a.E(A.interest,o)+(m.taxes>0?","+a.E(A.taxes,o):"")+(m.pmi>0||m.insurance>0?","+a.E(A.insurance,o):"")+","+a.E(A.balance)};c.graph.width(b).height(n).attr("src",a.google+a.P(e)).show();s.processed=true}},validate:function(){V=function(d,n,j,m,k){if(b.fields[d].enabled){d=e[d];var g=
d.val(),s=d.data("label"),o;if(g.length>0){g=parseFloat(g);if(isNaN(g))o="The '"+s+"' field must be a number.";else if(g<j||g>m)o="The '"+s+"' field must be "+(g<j?"greater":"less")+" than or equal to "+(g<j?j:m).toFixed(n)+"."}else if(k)o="The '"+s+"' field is required.";d.css("background",b.colors.input[o?"error":"back"]).attr("title",o);o&&a.push(o)}};var b=this,a=b.errors,e=b.objects,c=b.bounds;a.length=0;V("principal",2,c.min.principal||0,c.max.principal||Number.MAX_VALUE,true);V("interest",
2,c.min.interest||0,c.max.interest||Number.MAX_VALUE,true);V("term",0,c.min.term||0,c.max.term||Number.MAX_VALUE,true);var h=b.Z(e.principal,Number.MAX_VALUE);V("down",2,c.min.down||0,c.max.down||h,false);V("taxes",2,c.min.taxes||0,c.max.taxes||h,false);V("insurance",2,c.min.insurance||0,c.max.insurance||h,false);V("pmi",2,c.min.pmi||0,c.max.pmi||h,false);V("extra",2,c.min.extra||0,c.max.extra||h,false);return a.length==0},calculate:function(){add=function(t,u,q){t[u]=(t[u]||0)+q};accum=function(t){return Math.pow(1+
d.interest,t-d.term)};paid=function(t){var u,q=d.extra,x;if(q==0){u=accum(t-1);t=d.payment*(1-u);u=d.payment*u}else{x=d.balance;t=b.N(d.interest*x,2);u=d.payment-t;if(x-u-q<0)if(x>u)q=x-u;else{u=x;q=0}d.balance=x-u-q}return{interest:t,principal:u,extra:q}};balance=function(t){if(d.extra==0)return d.payment*(1-accum(t))/d.interest;return d.balance};var b=this,a=b.objects,e=b.values,c=b.fields,h=e.input={},d=e.value={},n=e.payment={month:{},year:{}},j=n.total={principal:0,extra:0,interest:0},m=e.amort=
{},k=m.month={principal:[],extra:[],interest:[],taxes:[],insurance:[],balance:[]};m=m.year={principal:[],extra:[],interest:[],taxes:[],insurance:[],balance:[]};if(!b.validate())return b.pane("error");f.each(c,function(t){h[t]=b.Z(a[t],0)});d.principal=h.principal;d.interest=h.interest/1200;d.term=h.term*12;d.down=h.down/h.principal;d.taxes=b.N(h.taxes/12,2);d.insurance=b.N(h.insurance/12,2);d.pmi=d.down>=0.2?0:h.pmi;d.pmiTerm=d.term;d.extra=h.extra;d.balance=h.principal-h.down;d.payment=b.N(d.balance*
d.interest/(1-accum(0)),2);d.paymentTerm=0;for(c=1;c<=d.term;c++){var g=paid(c),s=balance(c),o=Math.floor((c-1)/12),A=d.taxes,C=d.insurance+(c>d.pmiTerm?0:d.pmi);if(s==0&&g.principal>0)g.principal+=b.N(d.principal-j.principal-g.principal-j.extra-g.extra,2);k.principal.push(g.principal);k.extra.push(g.extra);k.interest.push(g.interest);k.taxes.push(A);k.insurance.push(C);k.balance.push(s);add(m.principal,o,g.principal);add(m.extra,o,g.extra);add(m.interest,o,g.interest);add(m.taxes,o,A);add(m.insurance,
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c=f.easing;a={mode:"normal",animate:true,width:a,title:a,intro:"<p>With this calculator you can put in your values and estimate the amount of your loan and get an estimate on the amount of your monthly payments.</p><p>Click on the 'Calculate' button when you're ready.</p>",footer:a,logo:{path:a,url:a,target:a},colors:{main:{text:"#000",back:"#eef2fd",border:"#39c"},title:{text:"#39c",back:a},tab:{text:"#39c",back:"#fff",border:"#39c"},pane:{text:"#000",back:"#fff",border:"#39c"},input:{text:"#000",
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type:"input",label:"Interest Rate|Interest",desc:"The annual interest rate of the loan",suffix:"%"},term:{enabled:true,type:"select",label:"Term",desc:"The term of the loan (in years)",suffix:"yrs"},down:{enabled:true,type:"input",label:"Down Payment|Down",desc:"The down payment on the loan (in dollars)"},taxes:{enabled:true,type:"input",label:"Property Taxes|Taxes",desc:"The annual property taxes (in dollars)",suffix:"/yr"},insurance:{enabled:true,type:"input",label:"Insurance",desc:"The annual homeowner's insurance (in dollars)",
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</script>
<script type="text/javascript"> 
$(function() { $("#calculator_widget").MortgageCalculator({ mode: "widget", logo: { path: "", url: "", target: "_blank" } }); });</script>
<div id="calculator_widget">
</div>
<?php } ?>


<?php if (get_option('wp_site') == "Car Sales") { ?>
	<div id="loancalculator_cars">
		<form action="POST">
			<label>
			<?php echo get_option('wp_loanamount_text'); ?>
			<?php echo $currencysymbol ?></label>
			<input type="text" id="LoanAmount" size="10" name="LoanAmount" value="30000" />
			
			<label>
			<?php echo get_option('wp_downpayment_text'); ?>
			<?php echo $currencysymbol ?></label>
			<input type="text" id="DownPayment" size="10" name="DownPayment" value="0" />

			<label>
			<?php echo get_option('wp_annualratepercentage_text'); ?>
			</label>
			<input id="InterestRate" type="text" size="3" name="InterestRate" value="7.0" />

			<label>
			<?php echo get_option('wp_termyears_text'); ?>
			</label>
			<input id="NumberOfYears" type="text" size="3" name="NumberOfYears" value="4" />

			<button class="btn btn-small btn-block btn-lightgray" id="morgcal" name="morgcal" ><?php echo (get_option('wp_calculate_text')) ?></button><br />

			<label>
			<?php echo get_option('wp_payments_text'); ?>
			</label>
			<input id="NumberOfPayments" type="text" name="NumberOfPayments" />

			<label>
			<?php echo get_option('wp_monthlypayment_text'); ?>
			<?php echo $currencysymbol ?></label>
			<input id="MonthlyPayment" type="text" name="MonthlyPayment" />
		</form>
	</div>
<?php } ?>

</div>
</div>