var DollarTimesWidget = function() {
  document.getElementById("dollartimes-retirement-widget").innerHTML = '  <div class="dollar-times-widget">     <div class="desktop">        <div class="retirement-calc widget-content">   <div class="widget-head">Retirement Calculator</div>   <div class="widget-blurb">How much per year do you need to<br>save for retirement?</div>   <div class="calc-content">    <div class="calc-box">     <table class="calc-table">      <tr>       <td>Current Age</td>       <td class="unit-cell"></td>       <td><input class="dt-form-control width-100" type="text" value="35" id="dollartimes-retirement-current-age"></td>      </tr>      <tr>       <td>Current Savings</td>       <td class="unit-cell">$</td>       <td><input class="dt-form-control width-100" type="text" value="10,000" id="dollartimes-retirement-savings"></td>      </tr>      <tr>       <td>Retirement Age</td>       <td class="unit-cell"></td>       <td><input class="dt-form-control width-100" type="text" value="65" id="dollartimes-retirement-age"></td>      </tr>      <tr>       <td>Retirement Income<div class="txt-80">(in today\'s dollars)</div></td>       <td class="unit-cell">$</td>       <td><input class="dt-form-control width-100" type="text" value="60,000" id="dollartimes-retirement-income"></td>      </tr>      <tr>       <td>Social Security /<br>Pensions</td>       <td class="unit-cell">$</td>       <td><input class="dt-form-control width-100" type="text" value="20,000" id="dollartimes-retirement-other"></td>      </tr>      <tr>       <td>Savings Run Out ...</td>       <td class="unit-cell"></td>       <td>        <select class="dt-form-control width-100" id="dollartimes-retirement-run-out">         <option value="85">Age 85</option>         <option value="90">Age 90</option>         <option value="95">Age 95</option>         <option selected value="100">Age 100</option>         <option value="105">Age 105</option>         <option value="-1">Never</option>        </select>       </div>      </tr>      <tr>       <td>Investment Return<div class="txt-80">(yearly, post tax)</div></td>       <td class="unit-cell">%</td>       <td><input class="dt-form-control width-100" type="text" value="7.00" id="dollartimes-retirement-rate"></td>      </tr>      <tr>       <td>Expected Inflation</td>       <td class="unit-cell">%</td>       <td><input class="dt-form-control width-100" type="text" value="3.00" id="dollartimes-retirement-inflation"></td>      </div>      <tr class="button-row">       <td colspan="3">        <button class="blue-button" id="dollartimes-retirement-go">Calculate</button>        <div class="appear-below">(results appear below)</td>       </td>      </tr>     </table>    </div>    <div class="calc-results-outer" >     <div class="calc-results" id="dollartimes-retirement-results"></div>    </div>   </div>   <div class="on-site-link">    <a href="https://www.dollartimes.com/retirement">Retirement Calculator</a>   </div>  </div>     </div>   </div>';
  var css = '.dollar-times-widget * {  font-family: Verdana, Helvetica;  box-sizing: border-box;  color: #333; }.dollar-times-widget a {  text-decoration: none;  color: #3333ff; }.dollar-times-widget a:hover {  text-decoration: underline;}.dollar-times-widget h1, .dollar-times-widget h2, .dollar-times-widget h3, .dollar-times-widget h4, .dollar-times-widget h5, .dollar-times-widget h6 {  margin: 0;  padding: 0; }.dollar-times-widget table {  border-spacing: 0px;  border-collapse: collapse; }.dollar-times-widget .dt-form-control-sm {  height: 26px;  padding: 2px 6px;  color: #555;  border: 1px solid #CCC;  border-radius: 4px;  box-shadow: 0px 1px 1px rgba(0, 0, 0, 0.075) inset;  transition: border-color 0.15s ease-in-out 0s, box-shadow 0.15s ease-in-out 0s; }  .dollar-times-widget .dt-form-control-sm:focus {    border-color: #66AFE9;    outline: 0px none;    box-shadow: 0px 1px 1px rgba(0, 0, 0, 0.075) inset, 0px 0px 8px rgba(102, 175, 233, 0.6); }  .dollar-times-widget .dt-form-control-sm:disabled {    background-color: #eee;    color: #ccc; }.dollar-times-widget .dt-form-control {  height: 34px;  padding: 6px 12px;  color: #555;  border: 1px solid #CCC;  border-radius: 4px;  box-shadow: 0px 1px 1px rgba(0, 0, 0, 0.075) inset;  transition: border-color 0.15s ease-in-out 0s, box-shadow 0.15s ease-in-out 0s; }  .dollar-times-widget .dt-form-control:focus {    border-color: #66AFE9;    outline: 0px none;    box-shadow: 0px 1px 1px rgba(0, 0, 0, 0.075) inset, 0px 0px 8px rgba(102, 175, 233, 0.6); }  .dollar-times-widget .dt-form-control:disabled {    background-color: #eee;    color: #ccc; }.dollar-times-widget button {  padding: 6px 12px;  margin-bottom: 0px;  font-size: 14px;  font-weight: 400;  line-height: 1.42857;  text-align: center;  vertical-align: middle;  cursor: pointer;  border: 1px solid transparent;  border-radius: 4px;  background-color: #ddd; }  .dollar-times-widget button:hover {    background-color: #ccc; }  .dollar-times-widget button:disabled {    background-color: #eee;    color: #ccc; }    .dollar-times-widget button:disabled:hover {      background-color: #eee; }.dollar-times-widget .btn-small {  padding: 2px 6px;  font-size: 13px; }.dollar-times-widget .btn-primary {  color: #FFF;  background-color: #337AB7; }  .dollar-times-widget .btn-primary:hover {    background-color: #286090; }.dollar-times-widget .btn-success {  color: #FFF;  background-color: #5cb85c; }  .dollar-times-widget .btn-success:hover {    background-color: #449d44; }.dollar-times-widget .btn-danger {  color: #FFF;  background-color: #d9534f; }  .dollar-times-widget .btn-danger:hover {    background-color: #c9302c; }.dollar-times-widget .blue-button {  background-color: #4d90fe;  color: white; }  .dollar-times-widget .blue-button:hover {    background-color: #4482e6; }.dollar-times-widget .clear-fix:after {  content: "";  display: table;  clear: both; }.calc-page .calc-box, .dollar-times-widget .calc-box, .expanded-calc-page-2 .calc-box {  padding: 10px 0 15px;  font-size: 14px; }.calc-page .calc-table, .dollar-times-widget .calc-table, .expanded-calc-page-2 .calc-table {  margin: 0 auto; }  .calc-page .calc-table input, .dollar-times-widget .calc-table input, .expanded-calc-page-2 .calc-table input {    font-size: 16px;    padding: 6px 6px; }  .calc-page .calc-table select, .dollar-times-widget .calc-table select, .expanded-calc-page-2 .calc-table select {    font-size: 16px; }  .calc-page .calc-table td, .dollar-times-widget .calc-table td, .expanded-calc-page-2 .calc-table td {    padding: 8px 5px;    vertical-align: middle; }  .calc-page .calc-table .right-cell, .dollar-times-widget .calc-table .right-cell, .expanded-calc-page-2 .calc-table .right-cell {    text-align: right; }  .calc-page .calc-table .unit-cell, .dollar-times-widget .calc-table .unit-cell, .expanded-calc-page-2 .calc-table .unit-cell {    padding-right: 0;    text-align: right; }  .calc-page .calc-table .cell-label, .dollar-times-widget .calc-table .cell-label, .expanded-calc-page-2 .calc-table .cell-label {    padding: 0 0 3px 0;    font-weight: bold; }.calc-page .button-row, .dollar-times-widget .button-row, .expanded-calc-page-2 .button-row {  padding: 10px 0 0 0; }  .calc-page .button-row button, .dollar-times-widget .button-row button, .expanded-calc-page-2 .button-row button {    width: 100%;    border-radius: 5px;    font-size: 16px; }  .calc-page .button-row .appear-below, .dollar-times-widget .button-row .appear-below, .expanded-calc-page-2 .button-row .appear-below {    margin-top: 5px;    font-size: 80%;    text-align: center; }.calc-page .txt-90, .dollar-times-widget .txt-90, .expanded-calc-page-2 .txt-90 {  font-size: 90%; }.calc-page .txt-80, .dollar-times-widget .txt-80, .expanded-calc-page-2 .txt-80 {  font-size: 80%; }.calc-page .txt-120b, .dollar-times-widget .txt-120b, .expanded-calc-page-2 .txt-120b {  font-size: 120%;  font-weight: bold; }.calc-page .calc-results, .calc-page .inline-calc-results, .dollar-times-widget .calc-results, .dollar-times-widget .inline-calc-results, .expanded-calc-page-2 .calc-results, .expanded-calc-page-2 .inline-calc-results {  font-size: 14px;  word-wrap: break-word;  display: none; }  .calc-page .calc-results .error, .calc-page .inline-calc-results .error, .dollar-times-widget .calc-results .error, .dollar-times-widget .inline-calc-results .error, .expanded-calc-page-2 .calc-results .error, .expanded-calc-page-2 .inline-calc-results .error {    color: red; }  .calc-page .calc-results p:first-child, .calc-page .inline-calc-results p:first-child, .dollar-times-widget .calc-results p:first-child, .dollar-times-widget .inline-calc-results p:first-child, .expanded-calc-page-2 .calc-results p:first-child, .expanded-calc-page-2 .inline-calc-results p:first-child {    margin-top: 0; }  .calc-page .calc-results p:last-child, .calc-page .inline-calc-results p:last-child, .dollar-times-widget .calc-results p:last-child, .dollar-times-widget .inline-calc-results p:last-child, .expanded-calc-page-2 .calc-results p:last-child, .expanded-calc-page-2 .inline-calc-results p:last-child {    margin-bottom: 0; }  .calc-page .calc-results .dt-results-table, .calc-page .inline-calc-results .dt-results-table, .dollar-times-widget .calc-results .dt-results-table, .dollar-times-widget .inline-calc-results .dt-results-table, .expanded-calc-page-2 .calc-results .dt-results-table, .expanded-calc-page-2 .inline-calc-results .dt-results-table {    display: table;    border-collapse: collapse; }  .calc-page .calc-results .dt-results-row, .calc-page .inline-calc-results .dt-results-row, .dollar-times-widget .calc-results .dt-results-row, .dollar-times-widget .inline-calc-results .dt-results-row, .expanded-calc-page-2 .calc-results .dt-results-row, .expanded-calc-page-2 .inline-calc-results .dt-results-row {    display: table-row; }  .calc-page .calc-results .dt-results-cell, .calc-page .inline-calc-results .dt-results-cell, .dollar-times-widget .calc-results .dt-results-cell, .dollar-times-widget .inline-calc-results .dt-results-cell, .expanded-calc-page-2 .calc-results .dt-results-cell, .expanded-calc-page-2 .inline-calc-results .dt-results-cell {    display: table-cell;    border: 1px solid #ccc;    background-color: #fff;    padding: 3px 8px;    text-align: center; }  .calc-page .calc-results .dt-results-head, .calc-page .inline-calc-results .dt-results-head, .dollar-times-widget .calc-results .dt-results-head, .dollar-times-widget .inline-calc-results .dt-results-head, .expanded-calc-page-2 .calc-results .dt-results-head, .expanded-calc-page-2 .inline-calc-results .dt-results-head {    font-weight: bold; }  .calc-page .calc-results .dt-right-cell, .calc-page .inline-calc-results .dt-right-cell, .dollar-times-widget .calc-results .dt-right-cell, .dollar-times-widget .inline-calc-results .dt-right-cell, .expanded-calc-page-2 .calc-results .dt-right-cell, .expanded-calc-page-2 .inline-calc-results .dt-right-cell {    text-align: right; }.calc-page .inline-calc-results, .dollar-times-widget .inline-calc-results, .expanded-calc-page-2 .inline-calc-results {  margin-top: 25px; }.calc-page .lineh-15, .dollar-times-widget .lineh-15, .expanded-calc-page-2 .lineh-15 {  line-height: 1.5em; }.calc-page .font-16, .dollar-times-widget .font-16, .expanded-calc-page-2 .font-16 {  font-size: 16px; }.calc-page .font-18, .dollar-times-widget .font-18, .expanded-calc-page-2 .font-18 {  font-size: 18px; }.calc-page .center-text, .dollar-times-widget .center-text, .expanded-calc-page-2 .center-text {  text-align: center; }.calc-page .right-text, .dollar-times-widget .right-text, .expanded-calc-page-2 .right-text {  text-align: right; }.calc-page .width-190, .dollar-times-widget .width-190, .expanded-calc-page-2 .width-190 {  width: 190px; }.calc-page .width-150, .dollar-times-widget .width-150, .expanded-calc-page-2 .width-150 {  width: 150px; }.calc-page .width-120, .dollar-times-widget .width-120, .expanded-calc-page-2 .width-120 {  width: 120px; }.calc-page .width-110, .dollar-times-widget .width-110, .expanded-calc-page-2 .width-110 {  width: 110px; }.calc-page .width-100, .dollar-times-widget .width-100, .expanded-calc-page-2 .width-100 {  width: 100px; }.calc-page .width-90, .dollar-times-widget .width-90, .expanded-calc-page-2 .width-90 {  width: 90px; }.calc-page .width-80, .dollar-times-widget .width-80, .expanded-calc-page-2 .width-80 {  width: 80px; }.calc-page .width-70, .dollar-times-widget .width-70, .expanded-calc-page-2 .width-70 {  width: 70px; }.calc-page .width-60, .dollar-times-widget .width-60, .expanded-calc-page-2 .width-60 {  width: 60px; }.calc-page .width-50, .dollar-times-widget .width-50, .expanded-calc-page-2 .width-50 {  width: 50px; }.calc-page .width-40, .dollar-times-widget .width-40, .expanded-calc-page-2 .width-40 {  width: 40px; }.calc-page .width-30, .dollar-times-widget .width-30, .expanded-calc-page-2 .width-30 {  width: 30px; }.calc-page .pad-2, .dollar-times-widget .pad-2, .expanded-calc-page-2 .pad-2 {  padding-left: 2px;  padding-right: 2px; }.phone .calc-page .calc-box, .phone .dollar-times-widget .calc-box {  width: 100%; }.desktop .calc-page .calc-box, .desktop .dollar-times-widget .calc-box {  width: 300px; }.phone .dt-desktop-only, .dollar-times-widget .dt-desktop-only {  display: none !important; }.phone .dt-results-table, .dollar-times-widget .dt-results-table {  width: 100%; }.phone .calc-results-outer, .dollar-times-widget .calc-results-outer {  display: block; }.phone .unit-calc .calc-results, .dollar-times-widget .unit-calc .calc-results {  text-align: center; }.calc-page .hms-calc td, .calc-page .timesheet-calc td, .dollar-times-widget .hms-calc td, .dollar-times-widget .timesheet-calc td {  text-align: center;  padding: 10px 4px 0 4px; }  .calc-page .hms-calc td .remove-row, .calc-page .timesheet-calc td .remove-row, .dollar-times-widget .hms-calc td .remove-row, .dollar-times-widget .timesheet-calc td .remove-row {    display: none;    padding: 2px 5px;    font-weight: bold;    background-color: transparent; }    .calc-page .hms-calc td .remove-row:hover, .calc-page .timesheet-calc td .remove-row:hover, .dollar-times-widget .hms-calc td .remove-row:hover, .dollar-times-widget .timesheet-calc td .remove-row:hover {      background-color: #ccc; }.calc-page .hms-calc #dollartimes-timesheet-function-row td, .calc-page .hms-calc #dollartimes-hms-function-row td, .calc-page .timesheet-calc #dollartimes-timesheet-function-row td, .calc-page .timesheet-calc #dollartimes-hms-function-row td, .dollar-times-widget .hms-calc #dollartimes-timesheet-function-row td, .dollar-times-widget .hms-calc #dollartimes-hms-function-row td, .dollar-times-widget .timesheet-calc #dollartimes-timesheet-function-row td, .dollar-times-widget .timesheet-calc #dollartimes-hms-function-row td {  padding: 20px 4px 0; }.calc-page .swap-link, .dollar-times-widget .swap-link {  cursor: pointer;  color: #0000ff; }.calc-page .tip-calc .calc-results .tip-table, .dollar-times-widget .tip-calc .calc-results .tip-table {  display: table;  margin: 0 auto; }.calc-page .tip-calc .calc-results .row, .dollar-times-widget .tip-calc .calc-results .row {  display: table-row; }.calc-page .tip-calc .calc-results .cell, .dollar-times-widget .tip-calc .calc-results .cell {  display: table-cell;  text-align: right;  padding: 0 5px 10px; }.calc-page .temperature-calc .calc-results, .dollar-times-widget .temperature-calc .calc-results {  display: block; }.desktop .timesheet-calc td input, .desktop .timesheet-calc td select {  font-size: 14px; }.dollar-times-widget {  overflow: hidden; }  .dollar-times-widget .widget-head {    font-size: 24px;    text-align: center; }  .dollar-times-widget .widget-content {    background-color: #DAE6F2;    border-radius: 5px;    padding: 10px 0; }  .dollar-times-widget .on-site-link {    padding: 10px 0;    font-size: 12px;    text-align: center; }  .dollar-times-widget .widget-blurb {    text-align: center;    padding: 5px 10px 0;    font-style: italic;    font-size: 12px; }  .dollar-times-widget .calc-results {    padding: 0 15px 10px; }  .dollar-times-widget .phone .widget-content {    width: 100%; }  .dollar-times-widget .desktop .widget-content {    width: 300px; }  .dollar-times-widget .font-18 {    font-size: 18px; }  .dollar-times-widget .font-20 {    font-size: 20px; }  .dollar-times-widget .font-22 {    font-size: 22px; }#dollartimes-percentage-widget .pct-head {  font-weight: bold;  padding: 0 0 10px 0; }#dollartimes-percentage-widget .pct-results {  padding: 10px 0 0; }#dollartimes-percentage-widget .pct-section {  padding-top: 10px; }  #dollartimes-percentage-widget .pct-section:nth-child(1) {    padding-bottom: 15px; }';
  var head = document.getElementsByTagName('head')[0];
  var style = document.createElement('style');
  style.type = 'text/css';
  style.appendChild(document.createTextNode(css));
  head.appendChild(style);
}();
	var DollarTimes = function() {
		var getNumDisplay = function(x) {
	if (Math.abs(x) < 1.0) {
		var e = parseInt(x.toString().split('e-')[1]);
		if (e) {
			x *= Math.pow(10,e-1);
			x = '0.' + (new Array(e)).join('0') + x.toString().substring(2);
		}
	} else {
		var e = parseInt(x.toString().split('+')[1]);
		if (e > 20) {
			e -= 20;
			x /= Math.pow(10,e);
			x += (new Array(e+1)).join('0');
		}
	}
	return x.toString();
};

var commafy = function(x) {
	x = getNumDisplay(x);
	var parts = x.split('.');
	parts[0] = parts[0].replace(/\B(?=(\d{3})+(?!\d))/g, ",");
	if ( parts.length > 1 ) {
		return parts[0] + "." + parts[1];
	}
	return parts[0];
};

var displayWholeNumber = function(n) {
	var n = commafy(n.toFixed(0));
	if ( n == "-0") {
		n = "0";
	}
	return n.toString();	
}

var displayDollars = function(n) {
	return "$" + displayWholeNumber(n);
};

var displayCents = function(n) {
	var n = commafy(n.toFixed(2));
	if ( n == "-0.00") {
		n = "0.00";
	}
	return "$" + n.toString();
};	

var calcPayment = function(loan, months, rate) {
	var mRate = rate / 1200;
	var payment;

	// interest only
	if ( months == -1 ) {
		return loan * mRate;
	}

	if ( rate == 0 ) {
		payment = loan / months;
	}
	else {
		var factor = Math.pow(1 + mRate, months );
		payment = loan * ( mRate / (1 - 1/factor) );
	}
	return payment;
};

var fixNumber = function(str) {
	str = str.replace(/,/g, "");
	str = str.replace(/^\$/, "");
	str = str.replace(/%$/, "");
	return str;
};

var getFloat = function(el, errMsg) {
	var str = document.getElementById(el).value
	str = fixNumber(str);
	val = parseFloat(str);
	if ( isNaN(val) ) {
		throw errMsg;
	}
	return val;
};

var condition = function(x, errMsg) {
	if ( !x ) {
		throw errMsg;
	}
};

var execCalc = function(c) {
	var input = c.gather();
	var html = "";
	if ( input.error ) {
		html = c.displayError(input.error);
	}
	else {
		var output = c.calc(input);
		html = c.displayOutput(output);
	}
	var div = document.getElementById(c.resultsDiv);
	div.innerHTML = html;
	div.style.display = "block";
};

var allowInt = function(id) {
	var txt = document.getElementById(id).value;
	txt = txt.replace(/[^0-9]/g, "");
	document.getElementById(id).value = txt;
};

var allowFloat = function(id, allowNeg) {
	var txt = document.getElementById(id).value;
	var isNeg = false;
	if ( allowNeg ) {
		if ( txt.startsWith("-") ) {
			isNeg = true;
		}
	}
	txt = txt.replace(/[^0-9,.]/g, "");
	tabs = txt.split('.');
	if ( tabs.length > 2 ) {
		txt = tabs[0] + "." + tabs[1];
	}
	if ( isNeg ) {
		txt = "-" + txt;
	}
	document.getElementById(id).value = txt;
};	



var getVal = function(id)  {
	var txt = document.getElementById(id).value;
	if ( txt == "" || txt == "-")  {
		return 0;
	}
	else {
		txt = txt.replace(/,/g, "");
		return parseFloat(txt);
	}
};







		var Retirement = function() {

	this.resultsDiv = "dollartimes-retirement-results";

	this.gather = function() {
		var o = {};
		try {
			o.currentAge = Math.round( getFloat("dollartimes-retirement-current-age", "Please enter a valid number for your current age") );
			condition( o.currentAge >= 0, "Please enter a current age of at least 0");
		
			o.savings = getFloat("dollartimes-retirement-savings", "Please enter a valid number for your current savings");
			condition( o.savings >= 0, "Please enter current savings of at least 0");
	
			o.retirementAge = Math.round( getFloat("dollartimes-retirement-age", "Please enter a valid number for your desired retirement age") );
			condition( o.retirementAge > o.currentAge, "Please enter a retirement age that is greater than your current age");

			o.income = getFloat("dollartimes-retirement-income", "Please enter a valid number for your desired retirement income");
			condition( o.income > 0, "Please enter a desired retirement income greater than 0");
			
			o.other = getFloat("dollartimes-retirement-other", "Please enter a valid number for your social security and pensions");
			condition( o.other >= 0, "Your social security and pensions can't be negative");

			condition( o.income > o.other, "<p>Your social security and pensions income are greater than your total desired income.</p><p>Congrats!</p>");

			o.runOut = document.getElementById("dollartimes-retirement-run-out").value;

			o.inflation = getFloat("dollartimes-retirement-inflation", "Please enter a valid number for the rate of inflation");
			condition( o.inflation >= -10 && o.inflation <= 100, "Please enter a rate of education inflation between -10% and 100%");

			o.rate = getFloat("dollartimes-retirement-rate", "Please enter a valid number for the rate of investment return");
			condition( o.rate >= -10 && o.rate <= 100, "Please enter a rate of investment return between -10% and 100%");
		}
		catch (e) {
			return { "error": e };
		}
		return o;
	};


	this.calc = function(o) {

		var results = {};
		results.message = "";

		var netRate = 1 + ( o.rate - o.inflation ) / 100;
		var yearsLeft = o.retirementAge - o.currentAge;

		var lumpSum;
		var retirementYears;
		if ( o.runOut == -1 ) {
			if ( netRate <= 1 ) {
				results.message = "It is not possible for your savings to last forever if your investment return is not greater than inflation.";
				return results;
			}
			lumpSum = ( o.income - o.other ) / ( netRate - 1 );
			retirementYears = -1;
		}
		else {
			retirementYears = o.runOut - o.retirementAge;
			if ( netRate == 1 ) {
				lumpSum = ( o.income - o.other ) * retirementYears;
			}
			else {
				lumpSum = ( o.income - o.other ) * ( (1 - Math.pow(netRate, retirementYears) ) / ( 1 - netRate ) ) / Math.pow(netRate, retirementYears);
			}
		}

		var totalNeeded = lumpSum - o.savings * Math.pow(netRate, yearsLeft);
		var savingsPerYear = 0;
		var extraSavings = 0;

		if ( totalNeeded > 0 ) {
			savingsPerYear = totalNeeded / ( ( 1-Math.pow(netRate, yearsLeft) ) / ( 1 - netRate ) );
		}
		else {
			extraSavings = o.savings - lumpSum / Math.pow(netRate, yearsLeft);
		}

		var lastAge = o.runOut;
		if ( lastAge == -1 ) {
			lastAge = 100;
			if ( lastAge < o.retirementAge ) {
				lastAge += 10;
			}
		}
		var growth = [];
		var savings = o.savings;
		for ( var age = o.currentAge; age < lastAge; age++ ) {
			var deposits = 0;
			var withdrawals = 0;
			if ( age < o.retirementAge ) {
				deposits = savingsPerYear;
			}
			else {
				withdrawals = o.income - o.other;
			}
			var interest = ( savings * netRate ) - savings;
			growth.push( { "age": age, "savings": savings, "deposits": deposits, "interest": interest, "withdrawals": withdrawals } );
			savings = savings + deposits + interest - withdrawals;
		}

		results.yearsLeft = yearsLeft;
		results.runOut = o.runOut;
		results.lumpSum = lumpSum;
		results.savingsPerYear = savingsPerYear;
		results.extraSavings = extraSavings;
		results.retirementAge = o.retirementAge;
		results.retirementYears = retirementYears;
		results.growth = growth;
		return results;
	};

	this.displayError = function(e) {
		return '<div class="error">' + e + '</div>';
	};

	this.getGrowthTable = function(growth) {
		var html = [];
		html.push("<div class='dt-results-table'>");
		html.push("<div class='dt-results-row'>");
		html.push("<div class='dt-results-cell dt-results-head'>Age</div>");
		html.push("<div class='dt-results-cell dt-results-head'>Savings</div>");
		html.push("<div class='dt-results-cell dt-results-head dt-desktop-only'>Deposits</div>");
		html.push("<div class='dt-results-cell dt-results-head dt-desktop-only'>Interest</div>");
		html.push("<div class='dt-results-cell dt-results-head dt-desktop-only'>Withdrawals</div>");
		html.push("</div>");	
		for ( var i=0; i<growth.length; i++ ) {
			html.push("<div class='dt-results-row'>");
			html.push("<div class='dt-results-cell'>" + growth[i].age + "</div>");			
			html.push("<div class='dt-results-cell'>" + displayDollars(growth[i].savings) + "</div>");
			html.push("<div class='dt-results-cell dt-desktop-only'>" + displayDollars(growth[i].deposits) + "</div>");
			html.push("<div class='dt-results-cell dt-desktop-only'>" + displayDollars(growth[i].interest) + "</div>");
			html.push("<div class='dt-results-cell dt-desktop-only'>" + displayDollars(growth[i].withdrawals) + "</div>");
			html.push("</div>");
		}
		html.push("</div>");
		return html.join("");
	};

	this.displayOutput = function(results) {
		var html = [];
		var d = new Date();
		if ( results.message != "" ) {
			html.push( results.message );
		}
		else {
			html.push("<p><b>Note:</b> Results are in " + d.getFullYear() + " dollars.");
			html.push("<p>Based on the projections you entered:</p>");
			html.push("<ul>");
			html.push("<li>You want to retire in " + results.yearsLeft + " years.</li>" );
			if ( results.runOut == -1 ) {
				html.push( "<li>Afterwards, you will need to live off your savings forever.</li>" );
			}
			else {
				html.push( "<li>Afterwards, you will need to live off your savings for " + results.retirementYears + " years.</li>" );
			}
			html.push("</ul>")

			html.push( "<p>In today's dollars, you will need to have saved <span class='txt-120b'>" + displayDollars(results.lumpSum) + "</span> by age " + results.retirementAge + ".</p>" );

			if ( results.savingsPerYear <= 0 ) {
				html.push( "<p>Fortunately, your current savings are enough.  In fact, you have <span class='txt-120b'>" + displayDollars(results.extraSavings) + "</span> extra. Congrats!" );
			}
			else {
				html.push( "<p>You will need to save an additional <span class='txt-120b'>" + displayDollars(results.savingsPerYear) + "</span> per year." );
			}
			html.push("<p>In today's dollars, here is how your savings will change over time:</p>");
			html.push( this.getGrowthTable(results.growth) );

		}
		return html.join("");
	};
};
		document.getElementById("dollartimes-retirement-go").onclick = function() {
			execCalc(new Retirement());
		};
	}();