// Bank of Fenrir: Loan Systems Version I.3 - 9:16PM Friday, September 3rd, 2004.

-----------------:2-6 Term Base - Fix Loan:				~(:1


[(Fg*Pl[M])+Fg] * Tb
__________________              = •Fnc(Fg,Pl[M],Tb) = •MAX amount for the Term Base Option.
1.06^Tb

[(Fg*Pl[m])+Fg] * Tb
__________________              = •Fnc(Fg,Pl[m],Tb) = •MIN amount for the Term Base Option.
1.06^Tb

•Fg = Player Gil per term farm. Based on DB of job-level table.
•Pl[M] = Percent (%) value for the Level of MAX per term loan. Based on Percent (%) - Level MAX Table DB.
•Pl[m] = Percent (%) value for the Level of MIN per term loan. Based on Percent (%) - Level MIN Table DB.
•Tb = Term Base option, set by player. Options: 2 term, 4 term, 6 term period.
•1 Term = 7 earth days. One week.


EXAMPLE1:
RNG68 =>
•(look up on DB job-level table) = G|80,000 = Fg
•(look up on Percent (%) - Level MAX Table) = Pl[M] = +55% = +0.55
•(look up on Percent (%) - Level MIN Table) = Pl[m] = -40% = -0.40

[(80,000*0.55+80,000] * 6      (Tb set to max option, 6)
_______________________              = MAX amount for the Term Base Option.	= G|524,491
1.06^6

[(80,000*-0.40+80,000] * 2      (Tb set to min option, 2)
_______________________              = MIN amount for the Term Base Option.	= G|85,439
1.06^2

Variables: 
•[chose amount of G| to loan] - may not be lower then Tb2 MIN, or higher then Tb6 MAX.
•[chose amount of Terms] - may be 2-6 for this type of loan.



-----------------: 3-9 Term Base - Flex Loan:				~(:2

MAX = Fnc(Fg,Pl[M],Tb) * Pa
MIN = Fnc(Fg,Pl[M],Tb) * Pa
•Pa = Percent (%) add for Flex Loan. = 1.5 = 150% increase


{n:0->Tb} Gn = G{n-1} * 1.06 = Loan for current term by that client.

EXAMPLE2:
RNG 68 =>
(Refer for MIN and MAX values to Example 1.)

MAX * Pa 								= G|786,736

MIN * Pa 								=  G|128,158


If G|700,000 loan taken for 9 terms. 
G0 = [700,000 - Deposit] * 1.06  		 Deposit: G|0
G1 = [742,000 - Deposit] * 1.06   		Deposit: G|0
G2 = [786,520 - 250,000] * 1.06 		Deposit: G|250,000
G3 = [568,711 - 0] * 1.06 			Deposit: G|0
G4 = [602,833 - 320,000] * 1.06 		Deposit: G|320,000
G5 = [299803 - 100,000] * 1.06		 Deposit: G|100,000
G6 = [211,792 - 50,000] * 1.06	             Deposit: G|50,000
G7 = [171,499 - 0] * 1.06 			Deposit: 0
G8 = [181,789 - 0] * 1.06 			Deposit: 0
G9 = [192,697 - 192,697] * 1.06 		Deposit: 192,697
________________________________________________________________________________________________________
					Total Deposit: G|912,697
					Fix Loan Estimate: 700,000*1.06^9 = G|118,182,636
					Saved: G|269,938
________________________________________________________________________________________________________


--------------------------: Notes: 

~(:1 - "rent of gil" concept.
- basic, simple.
- not much risk.
- low interaction with BoF systems.
- fixed rate.

~(:2 - Save Gil. Amount saved depends on the deposits made. If you gain Gil at a rate, instead of saving it up to pay of the 'Fix Loan' and let it sit in
the inventory, use the "Flex Loan" option to save  your Gil and obtain a higher loan.
- Higher # of Terms possible.
- Higher loan maximum.
- Requires termly interaction with BoF systems.
- Rate my change by +/- .25% (.0025) to +/- .01% (.0001) each term. This may be caused by trust-system-brake or reasons for economical adjustments to the BoF system.

~(:ADD to consider:
- Credit Point System, will allow members to take obtain higher loans.
- CMS (Craft Master Certification I/II/III), will allow members to obtain higher loans. Must be proven. CMS testing appointments must be made by user. 
- Systems to be developed: deposits, budgets, withdraws, email notifications, trusts, linkshell supports.