/*!
 * copyright (c) Able to Pay LLC 2015-2016
 * version 4.1
 * June 7, 2016
 */

function lnCAPEfactor( y ) {
    // estimated factor by which lnCAPEnow affects stock-returns held y years
    return lnCAPEmult*Math.pow( lnCAPEbase, y); 
    // revised 6-7-2016
    }

function allocator( s, tb, cb, n, c, e, a ) {
    // cb added & function moved from allocator-a2p-js in v2.0
    this.stocks   = s;
    this.tbonds   = tb;
    this.cbonds   = cb;
    this.notes    = n;
    this.cash     = c;
    this.expected = e;
    this.adjusted = a;
    }

function getReturns( allocation, year ) { 
    // revised in v4.1
    var a           = allocation;
    var s           = histReturns[0];
    var partial     = (a.tbonds * histReturns[1]) + 
                      (a.cbonds * histReturns[2]) + 
                      (a.notes  * histReturns[3]) + 
                      (a.cash   * histReturns[4]);
    a.expected      = (a.stocks * s) + partial;
    if ( year > 0 && a.stocks > 0 ) {
        s = sRetCAPE * 
            Math.exp( lnCAPEnow * lnCAPEfactor( year ) + lnCAPEconstant );
        };
    a.adjusted      = (a.stocks * s) + partial;
    return a;
    }

function pctFormat( inVal, decimals ) {
    var outVal = "--";
    if ( inVal > 0 ) outVal = inVal.toFixed(decimals)  + " %";
    return outVal;
    }