package org.gridgain.examples.montecarlo.gigaspaces;

import java.io.*;

public class Credit implements Serializable {
    /** Serial version ID. */
    private static final long serialVersionUID = -5250956364792894123L;

    /** Remaining crediting amount. */
    private final double remAmnt;

    /** Remaining crediting remTerm. */
    private final int remTerm;

    /** Annual percentage rate (APR). */
    private final double apr;

    /** Expected annual probability of default (EaDF). */
    private final double edf;

    /**
     * Creates new credit instance with given information.
     *
     * @param remAmnt Remained crediting amount.
     * @param remTerm Remained crediting remTerm.
     * @param apr Annual percentage rate (APR).
     * @param edf Expected annual probability of default (EaDF).
     */
    public Credit(double remAmnt, int remTerm, double apr, double edf) {
        this.remAmnt = remAmnt;
        this.remTerm = remTerm;
        this.apr = apr;
        this.edf = edf;
    }

    /**
     * Gets remained crediting amount.
     *
     * @return Remained amount of credit.
     */
    double getRemainingAmount() {
        return remAmnt;
    }

    /**
     * Gets remained crediting remTerm.
     *
     * @return Remained crediting remTerm in days.
     */
    int getRemainingTerm() {
        return remTerm;
    }

    /**
     * Gets annual percentage rate.
     *
     * @return Annual percentage rate in relative percents (percentage / 100).
     */
    double getAnnualRate() {
        return apr;
    }

    /**
     * Gets either credit probability of default for the given period of time
     * if remaining term is less than crediting time or probability of default
     * for whole remained crediting time.
     *
     * @param term Default term.
     * @return Credit probability of default in relative percents
     *     (percentage / 100).
     */
    double getDefaultProbability(int term) {
        return 1 - Math.exp(Math.log(1 - edf) * Math.min(remTerm, term) / 365.0);
    }

    /**
     * {@inheritDoc}
     */
    @Override
    public String toString() {
        final StringBuilder buf = new StringBuilder();

        buf.append(getClass().getName());
        buf.append(" [remAmnt=").append(remAmnt);
        buf.append(", remTerm=").append(remTerm);
        buf.append(", apr=").append(apr);
        buf.append(", edf=").append(edf);
        buf.append(']');

        return buf.toString();
    }
}