[lmi-commits] [lmi] master bb75971 033/156: Implement the second part of the narrative summary page

[Greg Chicares]

branch: master
commit bb759714c3cfc041e695fee1e110e42897a77eef
Author: Vadim Zeitlin <address@hidden>
Commit: Vadim Zeitlin <address@hidden>

    Implement the second part of the narrative summary page
    
    Replace "SalesLoadRefund" variable with "HasSalesLoadRefund" not
    formatted as percentage, which doesn't make sense for a boolean value.
---
 ledger_evaluator.cpp        |   6 +-
 ledger_pdf_generator_wx.cpp | 336 +++++++++++++++++++++++++++++++++++++++++++-
 2 files changed, 337 insertions(+), 5 deletions(-)

diff --git a/ledger_evaluator.cpp b/ledger_evaluator.cpp
index 76a2b44..acc6bb9 100644
--- a/ledger_evaluator.cpp
+++ b/ledger_evaluator.cpp
@@ -348,7 +348,6 @@ ledger_evaluator Ledger::make_evaluator() const
 
 // F3: scaled by 100, zero decimals, with '%' at end:
 // > Format as percentage with no decimal places (##0%)
-    format_map["SalesLoadRefund"                   ] = f3;
     format_map["SalesLoadRefundRate0"              ] = f3;
     format_map["SalesLoadRefundRate1"              ] = f3;
 
@@ -389,6 +388,7 @@ ledger_evaluator Ledger::make_evaluator() const
     format_map["HasADD"                            ] = f1;
     format_map["HasChildRider"                     ] = f1;
     format_map["HasHoneymoon"                      ] = f1;
+    format_map["HasSalesLoadRefund"                ] = f1;
     format_map["HasSpouseRider"                    ] = f1;
     format_map["HasSupplSpecAmt"                   ] = f1;
     format_map["HasTerm"                           ] = f1;
@@ -692,12 +692,12 @@ ledger_evaluator Ledger::make_evaluator() const
     strings["PrepMonth"] = &PrepMonth;
     strings["PrepDay"  ] = &PrepDay;
 
-    double SalesLoadRefund =
+    double HasSalesLoadRefund =
         !each_equal(ledger_invariant_->RefundableSalesLoad, 0.0);
     double SalesLoadRefundRate0 = ledger_invariant_->RefundableSalesLoad[0];
     double SalesLoadRefundRate1 = ledger_invariant_->RefundableSalesLoad[1];
 
-    scalars["SalesLoadRefund"     ] = &SalesLoadRefund     ;
+    scalars["HasSalesLoadRefund"  ] = &HasSalesLoadRefund  ;
     scalars["SalesLoadRefundRate0"] = &SalesLoadRefundRate0;
     scalars["SalesLoadRefundRate1"] = &SalesLoadRefundRate1;
 
diff --git a/ledger_pdf_generator_wx.cpp b/ledger_pdf_generator_wx.cpp
index 0ede1c1..cf63b78 100644
--- a/ledger_pdf_generator_wx.cpp
+++ b/ledger_pdf_generator_wx.cpp
@@ -1108,6 +1108,321 @@ persistency, profits and expenses.
     }
 };
 
+class narrative_summary_cont_page : public numbered_page
+{
+  public:
+    void render
+        (Ledger const& ledger
+        ,pdf_writer_wx& writer
+        ,wxDC& dc
+        ,html_interpolator const& interpolate_html
+        ) override
+    {
+        numbered_page::render(ledger, writer, dc, interpolate_html);
+
+        // Just a convenient helper performing a common operation.
+        auto const add_body_paragraph = [=](std::string const& s) -> text
+            {
+            return add_body_paragraph_html(interpolate_html(s));
+            };
+
+        text summary_html = tag::p[attr::align("center")]
+            (text::from("NARRATIVE SUMMARY (Continued)")
+            );
+
+        summary_html += tag::br;
+
+        if(interpolate_html.test_variable("HasSalesLoadRefund"))
+            {
+            summary_html += add_body_paragraph
+                (R"(
+Sales Load Refund: We will refund a portion of the sales load
+to you, as part of your {{CsvName}}
+Value, if you surrender your contract within the first two
+policy years. In policy year 1, we will refund
+{{SalesLoadRefundRate0}}
+of the first contract year sales load collected
+and in contract year 2, we will refund
+{{SalesLoadRefundRate1}}
+of the first contract year sales load collected.
+)"
+                );
+            }
+
+        if(interpolate_html.test_variable("NoLapse"))
+            {
+            summary_html += add_body_paragraph
+                (R"(
+{{NoLapseProvisionName}}:
+The contract will remain in force after the first premium
+has been paid, even if there is insufficient
+{{AvName}} Value
+to cover the monthly charges provided that the insured
+is not in a substandard rating class and the policy debt
+does not exceed {{AvName}} Value.
+)"
+                );
+            }
+
+        summary_html += add_body_paragraph("{{GuarMortalityFootnote}}");
+
+        summary_html += add_body_paragraph
+            (R"(
+This illustration assumes death of the insured at age {{EndtAge}}.
+)"
+            );
+
+        summary_html += add_body_paragraph
+            (R"(
+ The loan interest rate is fixed at {{InitAnnLoanDueRate}} per year.
+)"
+            );
+
+        summary_html += add_body_paragraph
+            (R"(
+The state of issue is {{StatePostalAbbrev}}.
+)"
+            );
+
+        summary_html += add_body_paragraph
+            (R"(
+This illustration assumes an initial Selected Face Amount of
+${{InitBaseSpecAmt}}. Selected Face
+Amount reductions assumed in this illustration (if any) are shown
+in the Tabular Detail.
+)"
+            );
+
+        if(interpolate_html.test_variable("IsInforce"))
+            {
+            summary_html += add_body_paragraph
+                (R"(
+This illustration assumes a beginning account value of
+${{InforceUnloanedAV}} as of the date of this illustration.
+)"
+                );
+
+            summary_html += add_body_paragraph
+                (R"(
+This illustration assumes a beginning cost basis of
+${{InforceTaxBasis}} as
+of the date of this illustration; the actual cost basis
+may be higher or lower. Consult the Home Office for cost
+basis information.
+)"
+                );
+            }
+
+        if(interpolate_html.test_variable("Composite"))
+            {
+            summary_html += add_body_paragraph
+                (R"(
+Please see the attached census, listing the face amounts,
+underwriting classes and issue ages for individual participants.
+)"
+                );
+            }
+
+        if(interpolate_html.test_variable("StateIsCarolina"))
+            {
+            summary_html += add_body_paragraph
+                (R"(
+In the states of North Carolina and South Carolina,
+Guaranteed Issue Underwriting is referred
+to as "Limited Underwriting" and Simplified
+Issue Underwriting is referred to as "Simplified Underwriting".
+)"
+                );
+            }
+
+        if(interpolate_html.test_variable("StateIsMaryland"))
+            {
+            summary_html += add_body_paragraph
+                (R"(
+In the state of Maryland, Guaranteed Issue Underwriting
+is referred to as "Nonstandard Limited Underwriting"
+and Simplified Issue Underwriting is referred to as
+"Nonstandard Simplified Underwriting".
+)"
+                );
+            }
+
+        if(interpolate_html.test_variable("GroupExperienceRating"))
+            {
+            summary_html += add_body_paragraph
+                (R"(
+We may assess a Market Value Adjustment upon a surrender
+of the certificate when the surrender proceeds are intended
+to be applied to an insurance policy issued by an insurer
+unaffiliated with
+{{InsCoShortName}}
+with an intent to qualify the exchange as a tax free exchange
+under IRC section 1035.
+)"
+                );
+
+            if(!interpolate_html.test_variable("UseExperienceRating"))
+                {
+                summary_html += add_body_paragraph
+                    ("This illustration does not reflect experience rating."
+                    );
+                }
+
+            summary_html += add_body_paragraph
+                (R"(
+The guaranteed values reflect the maximum charges permitted
+by the contract, which may include an Experience Rating
+Risk Charge.
+)"
+                );
+
+            summary_html += add_body_paragraph
+                (R"(
+No Experience Rating Risk Charge or a distribution
+of an Experience Rating Reserve Credit is reflected
+in the current, non-guaranteed values. Actual charges
+and credits will be based on the actual experience of the group.
+)"
+                );
+            }
+
+        if(interpolate_html.test_variable("Has1035ExchCharge"))
+            {
+            summary_html += add_body_paragraph
+                (R"(
+{{^SinglePremium}}
+    Upon surrender of this policy, where the surrender
+    proceeds are intended to be applied to an insurance policy
+    or certificate issued in conjunction with an intent
+    to qualify the exchange as a tax free exchange
+    under Section 1035 of the Internal Revenue Code,
+    we may assess an Exchange Charge. The Exchange Charge
+    is the greater of the Market Value Adjustment Charge
+    and the Percentage of Premium Charge. In the states
+    of Florida or Indiana, the Exchange charge
+    (referred to as Assignment Charge in Florida)
+    will be the Percentage of Premium Charge only.
+    The Exchange Charge will potentially reduce
+    the surrender proceeds, but will never increase
+    the surrender proceeds. Please refer to your policy
+    for details.
+{{/SinglePremium}}
+{{#SinglePremium}}
+        Upon surrender of this policy, where the surrender proceeds
+        are intended to be applied to an insurance policy
+        or certificate issued in conjunction with an intent
+        to qualify the exchange as a tax free exchange
+        under Section 1035 of the Internal Revenue Code (1035
+        Exchange), we may assess an Exchange Charge. The Exchange
+        Charge will potentially reduce the surrender proceeds,
+        but will never increase the surrender proceeds.
+        Please refer to your policy for details.
+{{/SinglePremium}}
+)"
+                );
+            }
+
+        if(interpolate_html.test_variable("HasSpouseRider"))
+            {
+            summary_html += add_body_paragraph
+                (R"(
+The ${{SpouseRiderAmount}} Spouse
+rider provides term life insurance on the spouse
+(issue age {{SpouseIssueAge}})
+for a limited duration, for an extra charge.
+Please refer to your contract for specific provisions
+and a detailed schedule of charges.
+)"
+                );
+            }
+
+        if(interpolate_html.test_variable("HasChildRider"))
+            {
+            summary_html += add_body_paragraph
+                (R"(
+The ${{ChildRiderAmount}} Child
+rider provides term life insurance on the insured's children
+for a limited duration, for an extra charge. Please refer
+to your contract for specific provisions
+and a detailed schedule of charges.
+)"
+                );
+            }
+
+        summary_html += add_body_paragraph("{{SurrenderFootnote}}");
+
+        summary_html += add_body_paragraph("{{FundRateFootnote}}");
+
+        summary_html += add_body_paragraph("{{Space2}}{{FundRateFootnote0}}");
+
+        summary_html += add_body_paragraph("{{Space2}}{{FundRateFootnote1}}");
+
+        summary_html += tag::p[attr::align("center")]
+            (tag::b
+                (text::from("IMPORTANT TAX DISCLOSURE")
+                )
+            );
+
+        summary_html += add_body_paragraph
+            (R"(
+As illustrated, this contract
+{{#IsMec}}
+  becomes
+{{/IsMec}}
+{{^IsMec}}
+  would not become
+{{/IsMec}}
+a Modified Endowment Contract (MEC)
+under the Internal Revenue Code
+{{#IsMec}}
+{{MecYearPlus1}}
+{{/IsMec}}
+To the extent of gain in the contract, loans, distributions
+and withdrawals from a MEC are subject to income tax
+and may also trigger a penalty tax.
+)"
+            );
+
+        if
+            (   !interpolate_html.test_variable("SinglePremium")
+            &&  !interpolate_html.test_variable("IsInforce")
+            )
+            {
+            summary_html += add_body_paragraph
+                (R"(
+The initial 7-pay premium limit is ${{InitSevenPayPrem}}.
+)"
+                );
+            }
+
+        summary_html += tag::p
+            (tag::font[attr::size("-1")]
+                (tag::b
+                    (interpolate_html
+                        (R"(
+The information contained in this illustration is not written
+or intended as tax or legal advice, and may not be relied upon
+for purposes of avoiding any federal tax penalties.
+Neither {{InsCoShortName}} nor any
+of its employees or representatives are authorized to give tax
+or legal advice. For more information pertaining
+to the tax consequences of purchasing or owning this policy,
+consult with your own independent tax or legal counsel.
+)"
+                        )
+                    )
+                )
+            );
+
+        writer.output_html
+            (writer.get_horz_margin()
+            ,writer.get_vert_margin()
+            ,writer.get_page_width()
+            ,summary_html
+            );
+    }
+};
+
 // Regular illustration.
 class pdf_illustration_regular : public pdf_illustration
 {
@@ -1119,11 +1434,12 @@ class pdf_illustration_regular : public pdf_illustration
     {
         auto const& invar = ledger.GetLedgerInvariant();
         auto const& policy_name = invar.PolicyLegalName;
+        auto const& state_abbrev = invar.GetStatePostalAbbrev();
 
         // Define variables specific to this illustration.
         add_variable
             ("ModifiedSinglePremium"
-            ,starts_with(policy_name, "Single") && 
invar.GetStatePostalAbbrev() == "MA"
+            ,starts_with(policy_name, "Single") && state_abbrev == "MA"
             );
 
         add_variable
@@ -1146,6 +1462,11 @@ class pdf_illustration_regular : public pdf_illustration
             ,policy_name == "Group Flexible Premium Adjustable Life Insurance 
Policy"
             );
 
+        add_variable
+            ("MecYearPlus1"
+            ,invar.MecYear + 1
+            );
+
         // Variable representing the premium payment frequency with the
         // appropriate indefinite article preceding it, e.g. "an annual" or "a
         // monthly".
@@ -1170,8 +1491,18 @@ class pdf_illustration_regular : public pdf_illustration
             );
 
         add_variable
+            ("StateIsCarolina"
+            ,state_abbrev == "NC" || state_abbrev == "SC"
+            );
+
+        add_variable
+            ("StateIsMaryland"
+            ,state_abbrev == "MD"
+            );
+
+        add_variable
             ("StateIsTX"
-            ,invar.GetStatePostalAbbrev() == "TX"
+            ,state_abbrev == "TX"
             );
 
         add_variable
@@ -1187,6 +1518,7 @@ class pdf_illustration_regular : public pdf_illustration
         // Add all the pages.
         add<cover_page>();
         add<narrative_summary_page>();
+        add<narrative_summary_cont_page>();
     }
 };