Feature: Reserve Calculation
    Calculates reserve amount for a loan

Scenario: Calculate Reserve with Standard Markup
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term |
    | 5/28/2015 | 6/27/2015      | 5/27/2017      | 6200.20     | 1.48     | 3.89          | NC        | 24   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           |  0.25              |
    When the reserve is calculated
    Then the reserve amount should be 118.73687752592344707611833965
    And the reserve message should be Standard Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Boat Reserve with Standard Markup
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term | AccountType |
    | 5/28/2015 | 6/27/2015      | 5/27/2017      | 6200.20     | 1.50     | 3.00          | NC        | 24   | DL09        |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           |  0.25              |
    When the reserve is calculated
    Then the reserve amount should be 310.01
    And the reserve message should be Standard Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Reserve with Standard Markup and Days to First Payment is less than 30
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term |
    | 2/27/2021 | 3/27/2021      | 2/27/2028      | 55799.16    | 4.59     | 6.34          | NC        | 84   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           |  0.25              |
    When the reserve is calculated
    Then the reserve amount should be 2917.8694562514364202612072482
    And the reserve message should be Standard Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Reserve with Standard Markup - first pay date is less than 30 days from loan date (this calculation might be wrong)
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term |
    | 4/23/2021 | 5/21/2021      | 4/21/2026      | 6474.80     | 3.24     | 5.24          | NC        | 60   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           |  0.25              |
    When the reserve is calculated
    Then the reserve amount should be 263.93215613213476391531161260
    And the reserve message should be Standard Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Reserve with Standard Markup - loan type id is missing, but will calculate the same as NC
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type Id | Term |
    | 5/28/2015 | 6/27/2015      | 5/27/2017      | 6200.20     | 1.48     | 3.89          |              | 24   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           |  0.25              |
    When the reserve is calculated
    Then the reserve amount should be 118.73687752592344707611833965
    And the reserve message should be Standard Reserve
     And FlatFeePaid should be "false"

Scenario: Calculate Reserve with Standard Markup - BB
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type Id | Term |
    | 5/28/2015 | 6/27/2015      | 5/27/2017      | 6200.20     | 1.48     | 3.89          | BB           | 24   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | BB         | Standard    | S                | 0                | 0                    | 0               | 1.00           | 0.25               |
    When the reserve is calculated
    Then the reserve amount should be 158.3158367012312627681577862
    And the reserve message should be Standard Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Reserve with Standard Markup - NR
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type Id | Term |
    | 5/28/2015 | 6/27/2015      | 5/27/2017      | 6200.20     | 3.89     | 3.89          | NR           | 24   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment           | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NR         | No reserve to be paid | N                | 0                | 0                    | 0               | 0.00           | 0.25               |
    When the reserve is calculated
    Then the reserve amount should be 0
    And the reserve message should be No Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Reserve with Standard Markup Flat Fee Applied
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term |
    | 2/18/2021 | 4/4/2021       | 3/1/2024       | 12000.95    | 2.89     | 3.49          | NC        | 36   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           |  0.25              |
    When the reserve is calculated
    Then the reserve amount should be 90.007125
    And the reserve message should be Flat Fee Reserve
    And FlatFeePaid should be "true"

Scenario: Calculate Reserve with No Markup Flat Fee Applied
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term |
    | 7/10/2019 | 8/24/2019      | 7/24/2024      | 20500       | 3.49     | 3.49          | NC        | 60   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           |  0.25              |
    When the reserve is calculated
    Then the reserve amount should be 153.75
    Then the reserve message should be Flat Fee Reserve
    And FlatFeePaid should be "true"

Scenario: Calculate Boat Reserve with No Markup Standard Reserve Applied @ 1% Reserve
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term | AccountType |
    | 7/10/2019 | 8/24/2019      | 7/24/2024      | 20500       | 3.49     | 3.49          | NC        | 60   | DL12        |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           |  0.25              |
    When the reserve is calculated
    Then the reserve amount should be 205
    Then the reserve message should be Standard Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Boat Reserve with Non Standard Markup
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term | AccountType |
    | 1/2/2021  | 2/16/2021      | 1/26/2026      | 28423.05    | 1.83     | 11.73         | NC        | 60   | DL10        |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           |  0.25              |
    When the reserve is calculated
    Then the reserve amount should be 1705.383
    Then the reserve message should be Standard Reserve - Exceeds Max Markup
    And FlatFeePaid should be "false"

Scenario: Calculate Reserve with Non Standard Markup
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term |
    | 1/2/2021  | 2/16/2021      | 1/26/2026      | 28423.05    | 1.83     | 11.73         | NC        | 60   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           |  0.25              |
    When the reserve is calculated
    Then the reserve amount should be 6104.6234279062733014747185835
    Then the reserve message should be Standard Reserve - Exceeds Max Markup
    And FlatFeePaid should be "false"

Scenario: Calculate Buydown Reserve
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term |
    | 4/19/2018 | 5/19/2018      | 4/19/2024      | 27042.25    | 4.6      | 1.9           | NC        | 72   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           | 0.25               |
    When the reserve is calculated
    Then the reserve amount should be -2362.679817869475221821891298
    Then the reserve message should be Buy Down Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Boat Buydown Reserve
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term | AccountType |
    | 4/19/2018 | 5/19/2018      | 4/19/2024      | 27042.25    | 4.6      | 1.9           | NC        | 72   | DL11        |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           | 0.25               |
    When the reserve is calculated
    Then the reserve amount should be -2362.679817869475221821891298
    Then the reserve message should be Buy Down Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Buydown Reserve - 0.5 difference
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term |
    | 5/15/2019 | 7/1/2019       | 6/1/2022       | 6261        | 5.27     | 4.77          | NC        | 36   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           | 0.25               |
    When the reserve is calculated
    Then the reserve amount should be -52.284980016715778985051587237
    Then the reserve message should be Buy Down Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Boat Buydown Reserve - 0.05 difference (reserve should be 0)
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term | AccountType |
    | 8/4/2017  | 9/3/2017       | 8/3/2022       | 15721.42    | 9.95     | 9.9           | NC        | 60   | DL09        |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           | 0.25               |
    When the reserve is calculated
    Then the reserve amount should be 0
    Then the reserve message should be No Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Buydown Reserve - 0.05 difference (reserve should be 0)
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term |
    | 8/4/2017  | 9/3/2017       | 8/3/2022       | 15721.42    | 9.95     | 9.9           | NC        | 60   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           | 0.25               |
    When the reserve is calculated
    Then the reserve amount should be 0
    Then the reserve message should be No Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Buydown Reserve - 0.25 difference (reserve should be 0)
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | Loan Amount | Buy Rate | Contract Rate | Loan Type | Term |
    | 8/4/2017  | 9/3/2017       | 8/3/2022       | 15721.42    | 8.25     | 8             | NC        | 60   |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           | 0.25               |
    When the reserve is calculated
    Then the reserve amount should be 0
    Then the reserve message should be No Reserve
    And FlatFeePaid should be "false"

Scenario: Calculate Reserve when there are weird payment dates
    Given a loan that looks like
    | Loan Date | First Pmt Date | Final Pmt Date | PostedDate | Loan Amount | Buy Rate | Contract Rate | Loan Type |
    | 6/14/2021 | 7/24/2021      | 6/30/2021      | 6/18/2021  | 20500       | 3.49     | 3.49          | NC        |
    And a loan type table that looks like
    | LoanTypeId | LoanComment | ChargebackMethod | NoChargebackDays | NoChargebackPayments | ReserveDiscount | FlatFeePercent | NoReserveThreshold |
    | NC         | 75% Reserve | N                | 90               | 3                    | 25.00           | 1.00           |  0.25              |
    When the reserve is calculated
    Then the reserve amount should be 0
    Then the reserve message should be Exception while calculating reserve
    And FlatFeePaid should be "false"