#include <iostream>
#include <cmath>
using namespace std;

class Account{
public:
	double 	Balance;
	static float	InterestRate;
	Account(double initAmount):Balance(initAmount){}
	Account():Account(0.0){}
	void Deposit(double amount){
		Balance += amount;
	}
	void Withdraw(double amount){
		Balance -= amount;
	}
	void Update(){
		Balance *= (1.0+InterestRate);
	}	
	void Show(){
		cout<<"Balance:"<<Balance<<"\tInterest Rate:"<<(100*InterestRate)<<"%"<<endl;
	}
	static void PurgeInActiveAccounts(){
	}
};
float Account::InterestRate = 0.05F;

class Financial{
	Financial(){}
public:
	static double FV(double pv, double r, int n){
		return pv * pow(1+r,n);
	}
	static double Pmt(double p, double r, int n){
		return p * (r * pow(1+r,n))/(pow(1+r,n)-1);
	}	
};


int main(){
	double LoanAmount=1000000;
	double AnnualRate=0.046F;
	int	   DurationInYears=30;
	
	double MonthlyInstallment = Financial::Pmt(LoanAmount,AnnualRate/12,DurationInYears*12);
	printf("Monthly Installment is $%.2f\n", MonthlyInstallment);
	printf("Min Net Income is $%.2f\n", 3*MonthlyInstallment);
	printf("Total Payment is $%.2f\n", DurationInYears * 12 * MonthlyInstallment);
	return 0;		
}


int main_FV(){
	double Saving = 100;
	double AnnualRate = 0.05F;
	
	cout<<" Year      FV"<<endl;
	for(int year=0;year<=10;year++)
		printf(" %3d   $%.2f\n",year,Financial::FV(Saving,AnnualRate,year));
	return 0;
}


int main2(){
	Account acc1(2000);
	Account acc2;
	acc1.Withdraw(200);
	acc2.Deposit(100);
	Account::InterestRate = 0.07F;
	acc1.Update();
	acc2.Update();
	acc1.Show();
	acc2.Show();
	Account::PurgeInActiveAccounts();
	return 0;
}