[lmi-commits] [5495] Add a field for minimum VLR rate

[Greg Chicares]

Revision: 5495
          http://svn.sv.gnu.org/viewvc/?view=rev&root=lmi&revision=5495
Author:   chicares
Date:     2012-06-12 17:40:14 +0000 (Tue, 12 Jun 2012)
Log Message:
-----------
Add a field for minimum VLR rate

Modified Paths:
--------------
    lmi/trunk/ChangeLog
    lmi/trunk/dbdict.cpp
    lmi/trunk/dbdict.hpp
    lmi/trunk/dbnames.hpp
    lmi/trunk/dbnames.xpp

Modified: lmi/trunk/ChangeLog
===================================================================
--- lmi/trunk/ChangeLog 2012-06-12 17:38:51 UTC (rev 5494)
+++ lmi/trunk/ChangeLog 2012-06-12 17:40:14 UTC (rev 5495)
@@ -30265,3 +30265,22 @@
   fo_common.xsl
 Untangle a variable formerly used for tracking numbers.
 
+20120611T0853Z <address@hidden> [578]
+
+  numeric_io_traits.hpp
+Fix defect introduced 20120603T1917Z (VS). See:
+  http://lists.nongnu.org/archive/html/lmi/2012-06/msg00000.html
+
+20120612T1738Z <address@hidden> [578]
+
+  GNUmakefile
+Prefer terser 'md5sum' output.
+
+20120612T1740Z <address@hidden> [578]
+
+  dbdict.cpp
+  dbdict.hpp
+  dbnames.hpp
+  dbnames.xpp
+Add a field for minimum VLR rate.
+

Modified: lmi/trunk/dbdict.cpp
===================================================================
--- lmi/trunk/dbdict.cpp        2012-06-12 17:38:51 UTC (rev 5494)
+++ lmi/trunk/dbdict.cpp        2012-06-12 17:40:14 UTC (rev 5495)
@@ -319,6 +319,7 @@
     ascribe("AllowVlr"            , &DBDictionary::AllowVlr            );
     ascribe("FixedLoanRate"       , &DBDictionary::FixedLoanRate       );
     ascribe("MaxVlrRate"          , &DBDictionary::MaxVlrRate          );
+    ascribe("MinVlrRate"          , &DBDictionary::MinVlrRate          );
     ascribe("MaxLoanAcctValMult"  , &DBDictionary::MaxLoanAcctValMult  );
     ascribe("MaxLoanDed"          , &DBDictionary::MaxLoanDed          );
     ascribe("GuarPrefLoanSpread"  , &DBDictionary::GuarPrefLoanSpread  );
@@ -528,6 +529,25 @@
     // e.g., 11 or 12.
     Add(database_entity(DB_MaxMonthlyCoiRate   , 12.0));
 
+    // This must not be zero in TX, which specifically requires a
+    // "guaranteed" rate of not more than fifteen percent--see:
+    //   
http://texinfo.library.unt.edu/Texasregister/html/1998/sep-25/adopted/insurance.html
+    //   "staff added this subsection which requires that 'if' policy
+    //   loans are illustrated on a guaranteed basis, interest charged
+    //   must be calculated at the highest numeric rate permitted
+    //   under the terms of the contract."
+    int mvd[e_number_of_axes] = {1, 1, 1, 1, 1, e_max_dim_state, 1};
+    std::vector<int> max_vlr_dimensions(mvd, mvd + e_number_of_axes);
+    std::vector<double> max_vlr(e_max_dim_state);
+    max_vlr[mce_s_TX] = 0.15;
+    Add
+        (database_entity
+            (DB_MaxVlrRate
+            ,max_vlr_dimensions
+            ,max_vlr
+            )
+        );
+
     Add(database_entity(DB_GuarIntSpread       , dbl_inf));
 
     Add(database_entity(DB_CurrCoiTable0Limit  , dbl_inf));
@@ -702,7 +722,7 @@
     Add(database_entity(DB_SurrChgPremMult     , 0.0));
     Add(database_entity(DB_SurrChgAmort        , 0.0));
 
-    int ptd[e_number_of_axes] = {1, 1, 1, 1, 1, 53, 1};
+    int ptd[e_number_of_axes] = {1, 1, 1, 1, 1, e_max_dim_state, 1};
     std::vector<int> premium_tax_dimensions(ptd, ptd + e_number_of_axes);
     Add
         (database_entity
@@ -845,7 +865,7 @@
     Add(database_entity(DB_AllowSepAcctNetRate , true));
     Add(database_entity(DB_MaxGenAcctRate      , 0.06));
     Add(database_entity(DB_MaxSepAcctRate      , 0.12));
-    Add(database_entity(DB_MaxVlrRate          , 0.18));
+    Add(database_entity(DB_MinVlrRate          , 0.04));
     Add(database_entity(DB_SurrChgAcctValMult  , 0.0));
     Add(database_entity(DB_IntSpreadMode       , mce_spread_daily));
     Add(database_entity(DB_StateApproved       , true));

Modified: lmi/trunk/dbdict.hpp
===================================================================
--- lmi/trunk/dbdict.hpp        2012-06-12 17:38:51 UTC (rev 5494)
+++ lmi/trunk/dbdict.hpp        2012-06-12 17:40:14 UTC (rev 5495)
@@ -296,6 +296,7 @@
     database_entity AllowVlr            ;
     database_entity FixedLoanRate       ;
     database_entity MaxVlrRate          ;
+    database_entity MinVlrRate          ;
     database_entity MaxLoanAcctValMult  ;
     database_entity MaxLoanDed          ;
     database_entity GuarPrefLoanSpread  ;

Modified: lmi/trunk/dbnames.hpp
===================================================================
--- lmi/trunk/dbnames.hpp       2012-06-12 17:38:51 UTC (rev 5494)
+++ lmi/trunk/dbnames.hpp       2012-06-12 17:40:14 UTC (rev 5495)
@@ -379,6 +379,7 @@
         ,DB_AllowVlr
         ,DB_FixedLoanRate
         ,DB_MaxVlrRate
+        ,DB_MinVlrRate
 
         ,DB_MaxLoanAcctValMult
         ,DB_MaxLoanDed

Modified: lmi/trunk/dbnames.xpp
===================================================================
--- lmi/trunk/dbnames.xpp       2012-06-12 17:38:51 UTC (rev 5494)
+++ lmi/trunk/dbnames.xpp       2012-06-12 17:40:14 UTC (rev 5495)
@@ -237,7 +237,8 @@
 {DB_AllowFixedLoan,DB_Topic_Loans,"AllowFixedLoan","Fixed-rate loans 
permitted: 0=no, 1=yes",}, \
 {DB_AllowVlr,DB_Topic_Loans,"AllowVlr","Variable-rate loans permitted: 0=no, 
1=yes",}, \
 {DB_FixedLoanRate,DB_Topic_Loans,"FixedLoanRate","Fixed loan rate, e.g. .06 = 
6%",}, \
-{DB_MaxVlrRate,DB_Topic_Loans,"MaxVlrRate","Maximum variable loan rate [not 
yet implemented]",}, \
+{DB_MaxVlrRate,DB_Topic_Loans,"MaxVlrRate","Guaranteed maximum variable loan 
rate (if zero, no maximum: guaranteed = current)",}, \
+{DB_MinVlrRate,DB_Topic_Loans,"MinVlrRate","Minimum variable loan rate",}, \
 {DB_MaxLoanAcctValMult,DB_Topic_Loans,"MaxLoanAcctValMult","Maximum loan as 
proportion of account value, e.g. 1=100%",}, \
 {DB_MaxLoanDed,DB_Topic_Loans,"MaxLoanDed","Monthiversary deductions reflected 
in maximum loan: 0=12 times most recent, 1=to next anniversary, 2=to next modal 
premium due date, 3=18 times most recent",}, \
 {DB_GuarPrefLoanSpread,DB_Topic_Loans,"GuarPrefLoanSpread","Guaranteed 
interest spread for preferred loans [preferred loans not yet supported]",}, \