import java.text.*;

public class Balance


//
// ************************************************
//
//      Philip J. Porvaznik
//
//      Java programming I
//
//      Finds balance remaining for car loan
//      using standard Amort formula
//
//      problem #5 page 172
//
// ************************************************
//

{

  public static void main (String[] args)

  {

    // create decimal format

    DecimalFormat DF = new DecimalFormat("$0.00");

    // KBalance is balance remaining for payment k
    // PAmount is monthly payment amount
    // Interest is interest rate
    // NTotal is total number of payments

    double KBalance;
    double PAmount = 165.25;
    double Interest = .09;
    double NTotal = 36.0;

    // display intro message

    System.out.println("This program calculates balance remaining using Amort forumula");

    // display values for the balance calculations

    System.out.println("Monthly Payment = " + DF.format(PAmount));
    System.out.println("Interest Rate   = " + Interest);
    System.out.println("Total Payments  = " + NTotal);

    // calculate Balance remaining after first payment

    KBalance = PAmount * ((1 - Math.pow((1 + Interest),(1 - NTotal))) / Interest);

    // display Balance after first payment

    System.out.println("Balance remaining after first payment = " + DF.format(KBalance));

    // calculate Balance remaining after second payment

    KBalance = PAmount * ((1 - Math.pow((1 + Interest),(2 - NTotal))) / Interest);

    // display Balance after second payment

    System.out.println("Balance remaining after second payment = " + DF.format(KBalance));

    // calculate Balance remaining after third payment

    KBalance = PAmount * ((1 - Math.pow((1 + Interest),(3 - NTotal))) / Interest);

    // display Balance after third payment

    System.out.println("Balance remaining after third payment = " + DF.format(KBalance));

    // display end message

    System.out.println("End of program");

  }

}