service/src/test/java/io/mifos/individuallending/internal/service/IndividualLoanServiceTest.java - fineract-cn-portfolio - Git at Google

 /*
  * Copyright 2017 The Mifos Initiative.
  *
  * Licensed under the Apache License, Version 2.0 (the "License");
  * you may not use this file except in compliance with the License.
  * You may obtain a copy of the License at
  *
  *    http://www.apache.org/licenses/LICENSE-2.0
  *
  * Unless required by applicable law or agreed to in writing, software
  * distributed under the License is distributed on an "AS IS" BASIS,
  * WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
  * See the License for the specific language governing permissions and
  * limitations under the License.
  */
 package io.mifos.individuallending.internal.service;

 import io.mifos.individuallending.IndividualLendingPatternFactory;
 import io.mifos.individuallending.api.v1.domain.caseinstance.CaseParameters;
 import io.mifos.individuallending.api.v1.domain.caseinstance.ChargeName;
 import io.mifos.individuallending.api.v1.domain.caseinstance.PlannedPayment;
 import io.mifos.individuallending.api.v1.domain.caseinstance.PlannedPaymentPage;
 import io.mifos.individuallending.api.v1.domain.product.AccountDesignators;
 import io.mifos.individuallending.api.v1.domain.product.ChargeIdentifiers;
 import io.mifos.individuallending.api.v1.domain.workflow.Action;
 import io.mifos.portfolio.api.v1.domain.*;
 import io.mifos.portfolio.service.internal.service.ChargeDefinitionService;
 import io.mifos.portfolio.service.internal.service.ProductService;
 import org.junit.Assert;
 import org.junit.Test;
 import org.junit.runner.RunWith;
 import org.junit.runners.Parameterized;
 import org.mockito.Mockito;

 import java.math.BigDecimal;
 import java.time.LocalDate;
 import java.time.temporal.ChronoUnit;
 import java.util.*;
 import java.util.stream.Collectors;
 import java.util.stream.Stream;

 import static io.mifos.individuallending.api.v1.domain.product.ChargeIdentifiers.*;

 /**
  * @author Myrle Krantz
  */
 @RunWith(Parameterized.class)
 public class IndividualLoanServiceTest {
   private static class ActionDatePair {
     final Action action;
     final LocalDate localDate;

     ActionDatePair(final Action action, final LocalDate localDate) {
       this.action = action;
       this.localDate = localDate;
     }

     @Override
     public boolean equals(Object o) {
       if (this == o) return true;
       if (o == null || getClass() != o.getClass()) return false;
       ActionDatePair that = (ActionDatePair) o;
       return action == that.action &&
               Objects.equals(localDate, that.localDate);
     }

     @Override
     public int hashCode() {
       return Objects.hash(action, localDate);
     }

     @Override
     public String toString() {
       return "ActionDatePair{" +
               "action=" + action +
               ", localDate=" + localDate +
               '}';
     }
   }


   private static class TestCase {
     private final String description;
     private String productIdentifier = "blah";
     private int minorCurrencyUnitDigits = 2;
     private CaseParameters caseParameters;
     private LocalDate initialDisbursementDate;
     private List<ChargeDefinition> chargeDefinitions;
     private Set<String> expectedChargeIdentifiers = new HashSet<>(Arrays.asList(
         PROCESSING_FEE_ID,
         LOAN_FUNDS_ALLOCATION_ID,
         RETURN_DISBURSEMENT_ID,
         LOAN_ORIGINATION_FEE_ID,
         INTEREST_ID,
         DISBURSEMENT_FEE_ID,
         REPAYMENT_ID,
         TRACK_DISBURSAL_PAYMENT_ID,
         TRACK_RETURN_PRINCIPAL_ID,
         DISBURSE_PAYMENT_ID
         ));
     private Map<ActionDatePair, List<ChargeDefinition>> chargeDefinitionsForActions = new HashMap<>();
     //This is an abuse of the ChargeInstance since everywhere else it's intended to contain account identifiers and not
     //account designators.  Don't copy the code around charge instances in this test without thinking about what you're
     //doing carefully first.

     TestCase(final String description) {
       this.description = description;
     }

     TestCase minorCurrencyUnitDigits(final int newVal) {
       this.minorCurrencyUnitDigits = newVal;
       return this;
     }

     TestCase caseParameters(final CaseParameters newVal) {
       this.caseParameters = newVal;
       return this;
     }

     TestCase initialDisbursementDate(final LocalDate newVal) {
       this.initialDisbursementDate = newVal;
       return this;
     }

     TestCase chargeDefinitions(final List<ChargeDefinition> newVal) {
       this.chargeDefinitions = newVal;
       return this;
     }

     TestCase expectChargeInstancesForActionDatePair(final Action action,
                                                     final LocalDate forDate,
                                                     final List<ChargeDefinition> chargeDefinitions) {
       this.chargeDefinitionsForActions.put(new ActionDatePair(action, forDate), chargeDefinitions);
       return this;
     }

     @Override
     public String toString() {
       return "TestCase{" +
               "description='" + description + '\'' +
               '}';
     }
   }

   @Parameterized.Parameters
   public static Collection testCases() {
     final Collection<TestCase> ret = new ArrayList<>();
     ret.add(simpleCase());
     ret.add(yearLoanTestCase());
     ret.add(chargeDefaultsCase());
     return ret;
   }

   private final TestCase testCase;
   private final IndividualLoanService testSubject;
   private final Product product;
   private final Map<String, List<ChargeDefinition>> chargeDefinitionsByChargeAction;
   private final Map<String, List<ChargeDefinition>> chargeDefinitionsByAccrueAction;


   private static TestCase simpleCase()
   {
     final LocalDate initialDisbursementDate = LocalDate.of(2017, 1, 5);
     //final Period firstRepaymentPeriod = new Period(initialDisbursementDate, 1);
     final CaseParameters caseParameters = Fixture.getTestCaseParameters();
     caseParameters.setTermRange(new TermRange(ChronoUnit.WEEKS, 3));
     caseParameters.setPaymentCycle(new PaymentCycle(ChronoUnit.WEEKS, 1, 0, null, null));

     final ChargeDefinition processingFeeCharge = getFixedSingleChargeDefinition(10.0, Action.OPEN, PROCESSING_FEE_ID, AccountDesignators.PROCESSING_FEE_INCOME);
     final ChargeDefinition loanOriginationFeeCharge = getFixedSingleChargeDefinition(100.0, Action.APPROVE, LOAN_ORIGINATION_FEE_ID, AccountDesignators.ORIGINATION_FEE_INCOME);
     final List<ChargeDefinition> defaultChargesWithFeesReplaced =
     chargesWithInterestRate(0.01).stream().map(x -> {
       switch (x.getIdentifier()) {
         case PROCESSING_FEE_ID:
           return processingFeeCharge;
         case LOAN_ORIGINATION_FEE_ID:
           return loanOriginationFeeCharge;
         default:
           return x;
       }
     }).collect(Collectors.toList());

     return new TestCase("simpleCase")
         .minorCurrencyUnitDigits(2)
         .caseParameters(caseParameters)
         .initialDisbursementDate(initialDisbursementDate)
         .chargeDefinitions(defaultChargesWithFeesReplaced)
         .expectChargeInstancesForActionDatePair(Action.OPEN, initialDisbursementDate, Collections.singletonList(processingFeeCharge))
         .expectChargeInstancesForActionDatePair(Action.APPROVE, initialDisbursementDate,
             Collections.singletonList(loanOriginationFeeCharge));
   }

   private static TestCase yearLoanTestCase()
   {
     final LocalDate initialDisbursementDate = LocalDate.of(2017, 1, 1);
     //final Period firstRepaymentPeriod = new Period(initialDisbursementDate, 1);
     final CaseParameters caseParameters = Fixture.getTestCaseParameters();
     caseParameters.setTermRange(new TermRange(ChronoUnit.YEARS, 1));
     caseParameters.setPaymentCycle(new PaymentCycle(ChronoUnit.MONTHS, 1, 0, null, null));
     caseParameters.setMaximumBalance(BigDecimal.valueOf(200000));

     final List<ChargeDefinition> charges = chargesWithInterestRate(0.10);

     return new TestCase("yearLoanTestCase")
         .minorCurrencyUnitDigits(3)
         .caseParameters(caseParameters)
         .initialDisbursementDate(initialDisbursementDate)
         .chargeDefinitions(charges);
   }

   private static TestCase chargeDefaultsCase()
   {
     final LocalDate initialDisbursementDate = LocalDate.of(2017, 2, 6);
     final CaseParameters caseParameters = Fixture.getTestCaseParameters();
     caseParameters.setTermRange(new TermRange(ChronoUnit.MONTHS, 6));
     caseParameters.setPaymentCycle(new PaymentCycle(ChronoUnit.WEEKS, 1, 1, 0, 0));
     caseParameters.setMaximumBalance(BigDecimal.valueOf(2000));

     final List<ChargeDefinition> charges = chargesWithInterestRate(0.05);

     return new TestCase("chargeDefaultsCase")
         .minorCurrencyUnitDigits(2)
         .caseParameters(caseParameters)
         .initialDisbursementDate(initialDisbursementDate)
         .chargeDefinitions(charges);
   }

   private static List<ChargeDefinition> chargesWithInterestRate(final double interestRate) {
     final List<ChargeDefinition> defaultLoanCharges = IndividualLendingPatternFactory.defaultIndividualLoanCharges();

     defaultLoanCharges.forEach(x -> {
       if (x.getIdentifier().equals(ChargeIdentifiers.INTEREST_ID))
         x.setAmount(BigDecimal.valueOf(interestRate));
     });

     return defaultLoanCharges;
   }

   private static ChargeDefinition getFixedSingleChargeDefinition(
           final double amount,
           final Action action,
           final String chargeIdentifier,
           final String feeAccountDesignator) {
     final ChargeDefinition ret = new ChargeDefinition();
     ret.setAmount(BigDecimal.valueOf(amount));
     ret.setIdentifier(chargeIdentifier);
     ret.setAccrueAction(null);
     ret.setChargeAction(action.name());
     ret.setChargeMethod(ChargeDefinition.ChargeMethod.FIXED);
     ret.setProportionalTo(null);
     ret.setFromAccountDesignator(AccountDesignators.ENTRY);
     ret.setToAccountDesignator(feeAccountDesignator);
     ret.setForCycleSizeUnit(null);
     return ret;
   }

   public IndividualLoanServiceTest(final TestCase testCase)
   {
     this.testCase = testCase;

     final ProductService productServiceMock = Mockito.mock(ProductService.class);
     final ChargeDefinitionService chargeDefinitionServiceMock = Mockito.mock(ChargeDefinitionService.class);
     product = new Product();
     product.setMinorCurrencyUnitDigits(testCase.minorCurrencyUnitDigits);
     Mockito.doReturn(Optional.of(product)).when(productServiceMock).findByIdentifier(testCase.productIdentifier);
     chargeDefinitionsByChargeAction = testCase.chargeDefinitions.stream()
         .collect(Collectors.groupingBy(ChargeDefinition::getChargeAction,
             Collectors.mapping(x -> x, Collectors.toList())));
     chargeDefinitionsByAccrueAction = testCase.chargeDefinitions.stream()
         .filter(x -> x.getAccrueAction() != null)
         .collect(Collectors.groupingBy(ChargeDefinition::getAccrueAction,
             Collectors.mapping(x -> x, Collectors.toList())));
     Mockito.doReturn(chargeDefinitionsByChargeAction).when(chargeDefinitionServiceMock).getChargeDefinitionsMappedByChargeAction(testCase.productIdentifier);
     Mockito.doReturn(chargeDefinitionsByAccrueAction).when(chargeDefinitionServiceMock).getChargeDefinitionsMappedByAccrueAction(testCase.productIdentifier);

     testSubject = new IndividualLoanService(productServiceMock, chargeDefinitionServiceMock, new PeriodChargeCalculator());
   }

   @Test
   public void getPlannedPayments() throws Exception {
     final PlannedPaymentPage firstPage = testSubject.getPlannedPaymentsPage(testCase.productIdentifier,
             testCase.caseParameters,
             0,
             20,
             testCase.initialDisbursementDate);

     final List<PlannedPayment> allPlannedPayments =
             Stream.iterate(0, x -> x + 1).limit(firstPage.getTotalPages())
             .map(x -> testSubject.getPlannedPaymentsPage(testCase.productIdentifier,
                     testCase.caseParameters, x, 20, testCase.initialDisbursementDate))
             .flatMap(x -> x.getElements().stream())
             .collect(Collectors.toList());

     //Remaining principal should correspond with the other cost components.
     final Set<BigDecimal> customerRepayments = Stream.iterate(1, x -> x + 1).limit(allPlannedPayments.size() - 1).map(x ->
         {
           final BigDecimal costComponentSum = allPlannedPayments.get(x).getCostComponents().stream()
               .filter(this::includeCostComponentsInSumCheck)
               .map(CostComponent::getAmount)
               .reduce(BigDecimal::add)
               .orElse(BigDecimal.ZERO);
           final BigDecimal principalDifference = allPlannedPayments.get(x-1).getRemainingPrincipal().subtract(allPlannedPayments.get(x).getRemainingPrincipal());
           Assert.assertEquals(costComponentSum, principalDifference);
           Assert.assertNotEquals("Remaining principle should always be positive or zero.",
               allPlannedPayments.get(x).getRemainingPrincipal().signum(), -1);
           return costComponentSum;
         }
     ).collect(Collectors.toSet());

     //All entries should have the correct scale.
     allPlannedPayments.forEach(x -> {
       x.getCostComponents().forEach(y -> Assert.assertEquals(product.getMinorCurrencyUnitDigits(), y.getAmount().scale()));
       Assert.assertEquals(product.getMinorCurrencyUnitDigits(), x.getRemainingPrincipal().scale());
       final int uniqueChargeIdentifierCount = x.getCostComponents().stream()
           .map(CostComponent::getChargeIdentifier)
           .collect(Collectors.toSet())
           .size();
       Assert.assertEquals("There should be only one cost component per charge per planned payment.",
           x.getCostComponents().size(), uniqueChargeIdentifierCount);
     });

     //All customer payments should be within one percent of each other.
     final Optional<BigDecimal> maxPayment = customerRepayments.stream().max(BigDecimal::compareTo);
     final Optional<BigDecimal> minPayment = customerRepayments.stream().min(BigDecimal::compareTo);
     Assert.assertTrue(maxPayment.isPresent());
     Assert.assertTrue(minPayment.isPresent());
     final double percentDifference = percentDifference(maxPayment.get(), minPayment.get());
     Assert.assertTrue("Percent difference = " + percentDifference, percentDifference < 0.01);

     //Final balance should be zero.
     Assert.assertEquals(BigDecimal.ZERO.setScale(testCase.minorCurrencyUnitDigits, BigDecimal.ROUND_HALF_EVEN),
             allPlannedPayments.get(allPlannedPayments.size()-1).getRemainingPrincipal());

     //All charge identifiers should be associated with a name on the returned page.
     final Set<String> resultChargeIdentifiers = firstPage.getChargeNames().stream()
             .map(ChargeName::getIdentifier)
             .collect(Collectors.toSet());

     Assert.assertEquals(testCase.expectedChargeIdentifiers, resultChargeIdentifiers);
   }

   private boolean includeCostComponentsInSumCheck(CostComponent costComponent) {
     switch (costComponent.getChargeIdentifier()) {
       case ChargeIdentifiers.INTEREST_ID:
       case ChargeIdentifiers.DISBURSEMENT_FEE_ID:
       case ChargeIdentifiers.TRACK_DISBURSAL_PAYMENT_ID:
       case ChargeIdentifiers.LATE_FEE_ID:
       case ChargeIdentifiers.LOAN_ORIGINATION_FEE_ID:
       case ChargeIdentifiers.TRACK_RETURN_PRINCIPAL_ID:
       case ChargeIdentifiers.PROCESSING_FEE_ID:
         return true;
       default:
         return false;

     }
   }

   @Test
   public void getScheduledCharges() {
     final List<ScheduledAction> scheduledActions = ScheduledActionHelpers.getHypotheticalScheduledActions(testCase.initialDisbursementDate, testCase.caseParameters);
     final List<ScheduledCharge> scheduledCharges = testSubject.getScheduledCharges(testCase.productIdentifier,
         scheduledActions);

     final List<LocalDate> interestCalculationDates = scheduledCharges.stream()
         .filter(scheduledCharge -> scheduledCharge.getScheduledAction().action == Action.APPLY_INTEREST)
         .map(scheduledCharge -> scheduledCharge.getScheduledAction().when)
         .collect(Collectors.toList());

     final List<LocalDate> allTheDaysAfterTheInitialDisbursementDate
         = Stream.iterate(testCase.initialDisbursementDate.plusDays(1), interestDay -> interestDay.plusDays(1))
         .limit(interestCalculationDates.size())
         .collect(Collectors.toList());

     Assert.assertEquals(interestCalculationDates, allTheDaysAfterTheInitialDisbursementDate);

     final List<LocalDate> acceptPaymentDates = scheduledCharges.stream()
         .filter(scheduledCharge -> scheduledCharge.getScheduledAction().action == Action.ACCEPT_PAYMENT)
         .map(scheduledCharge -> scheduledCharge.getScheduledAction().when)
         .collect(Collectors.toList());
     final long expectedAcceptPayments = scheduledActions.stream()
         .filter(x -> x.action == Action.ACCEPT_PAYMENT).count();
     final List<ChargeDefinition> chargeDefinitionsMappedToAcceptPayment = chargeDefinitionsByChargeAction.get(Action.ACCEPT_PAYMENT.name());
     final int numberOfChangeDefinitionsMappedToAcceptPayment = chargeDefinitionsMappedToAcceptPayment == null ? 0 : chargeDefinitionsMappedToAcceptPayment.size();
     Assert.assertEquals("check for correct number of scheduled charges for accept payment",
         expectedAcceptPayments*numberOfChangeDefinitionsMappedToAcceptPayment,
         acceptPaymentDates.size());

     final Map<ActionDatePair, Set<ChargeDefinition>> searchableScheduledCharges = scheduledCharges.stream()
         .collect(
             Collectors.groupingBy(scheduledCharge ->
                 new ActionDatePair(scheduledCharge.getScheduledAction().action, scheduledCharge.getScheduledAction().when),
                 Collectors.mapping(ScheduledCharge::getChargeDefinition, Collectors.toSet())));

     testCase.chargeDefinitionsForActions.forEach((key, value) -> value.forEach(x -> Assert.assertTrue(searchableScheduledCharges.get(key).contains(x))));
   }

   private double percentDifference(final BigDecimal maxPayment, final BigDecimal minPayment) {
     final BigDecimal difference = maxPayment.subtract(minPayment);
     final BigDecimal percentDifference = difference.divide(maxPayment, 4, BigDecimal.ROUND_UP);
     return percentDifference.doubleValue();
   }
 }
	/*
	* Copyright 2017 The Mifos Initiative.
	*
	* Licensed under the Apache License, Version 2.0 (the "License");
	* you may not use this file except in compliance with the License.
	* You may obtain a copy of the License at
	*
	* http://www.apache.org/licenses/LICENSE-2.0
	*
	* Unless required by applicable law or agreed to in writing, software
	* distributed under the License is distributed on an "AS IS" BASIS,
	* WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
	* See the License for the specific language governing permissions and
	* limitations under the License.
	*/
	package io.mifos.individuallending.internal.service;

	import io.mifos.individuallending.IndividualLendingPatternFactory;
	import io.mifos.individuallending.api.v1.domain.caseinstance.CaseParameters;
	import io.mifos.individuallending.api.v1.domain.caseinstance.ChargeName;
	import io.mifos.individuallending.api.v1.domain.caseinstance.PlannedPayment;
	import io.mifos.individuallending.api.v1.domain.caseinstance.PlannedPaymentPage;
	import io.mifos.individuallending.api.v1.domain.product.AccountDesignators;
	import io.mifos.individuallending.api.v1.domain.product.ChargeIdentifiers;
	import io.mifos.individuallending.api.v1.domain.workflow.Action;
	import io.mifos.portfolio.api.v1.domain.*;
	import io.mifos.portfolio.service.internal.service.ChargeDefinitionService;
	import io.mifos.portfolio.service.internal.service.ProductService;
	import org.junit.Assert;
	import org.junit.Test;
	import org.junit.runner.RunWith;
	import org.junit.runners.Parameterized;
	import org.mockito.Mockito;

	import java.math.BigDecimal;
	import java.time.LocalDate;
	import java.time.temporal.ChronoUnit;
	import java.util.*;
	import java.util.stream.Collectors;
	import java.util.stream.Stream;

	import static io.mifos.individuallending.api.v1.domain.product.ChargeIdentifiers.*;

	/**
	* @author Myrle Krantz
	*/
	@RunWith(Parameterized.class)
	public class IndividualLoanServiceTest {
	private static class ActionDatePair {
	final Action action;
	final LocalDate localDate;

	ActionDatePair(final Action action, final LocalDate localDate) {
	this.action = action;
	this.localDate = localDate;
	}

	@Override
	public boolean equals(Object o) {
	if (this == o) return true;
	if (o == null \|\| getClass() != o.getClass()) return false;
	ActionDatePair that = (ActionDatePair) o;
	return action == that.action &&
	Objects.equals(localDate, that.localDate);
	}

	@Override
	public int hashCode() {
	return Objects.hash(action, localDate);
	}

	@Override
	public String toString() {
	return "ActionDatePair{" +
	"action=" + action +
	", localDate=" + localDate +
	'}';
	}
	}


	private static class TestCase {
	private final String description;
	private String productIdentifier = "blah";
	private int minorCurrencyUnitDigits = 2;
	private CaseParameters caseParameters;
	private LocalDate initialDisbursementDate;
	private List<ChargeDefinition> chargeDefinitions;
	private Set<String> expectedChargeIdentifiers = new HashSet<>(Arrays.asList(
	PROCESSING_FEE_ID,
	LOAN_FUNDS_ALLOCATION_ID,
	RETURN_DISBURSEMENT_ID,
	LOAN_ORIGINATION_FEE_ID,
	INTEREST_ID,
	DISBURSEMENT_FEE_ID,
	REPAYMENT_ID,
	TRACK_DISBURSAL_PAYMENT_ID,
	TRACK_RETURN_PRINCIPAL_ID,
	DISBURSE_PAYMENT_ID
	));
	private Map<ActionDatePair, List<ChargeDefinition>> chargeDefinitionsForActions = new HashMap<>();
	//This is an abuse of the ChargeInstance since everywhere else it's intended to contain account identifiers and not
	//account designators. Don't copy the code around charge instances in this test without thinking about what you're
	//doing carefully first.

	TestCase(final String description) {
	this.description = description;
	}

	TestCase minorCurrencyUnitDigits(final int newVal) {
	this.minorCurrencyUnitDigits = newVal;
	return this;
	}

	TestCase caseParameters(final CaseParameters newVal) {
	this.caseParameters = newVal;
	return this;
	}

	TestCase initialDisbursementDate(final LocalDate newVal) {
	this.initialDisbursementDate = newVal;
	return this;
	}

	TestCase chargeDefinitions(final List<ChargeDefinition> newVal) {
	this.chargeDefinitions = newVal;
	return this;
	}

	TestCase expectChargeInstancesForActionDatePair(final Action action,
	final LocalDate forDate,
	final List<ChargeDefinition> chargeDefinitions) {
	this.chargeDefinitionsForActions.put(new ActionDatePair(action, forDate), chargeDefinitions);
	return this;
	}

	@Override
	public String toString() {
	return "TestCase{" +
	"description='" + description + '\'' +
	'}';
	}
	}

	@Parameterized.Parameters
	public static Collection testCases() {
	final Collection<TestCase> ret = new ArrayList<>();
	ret.add(simpleCase());
	ret.add(yearLoanTestCase());
	ret.add(chargeDefaultsCase());
	return ret;
	}

	private final TestCase testCase;
	private final IndividualLoanService testSubject;
	private final Product product;
	private final Map<String, List<ChargeDefinition>> chargeDefinitionsByChargeAction;
	private final Map<String, List<ChargeDefinition>> chargeDefinitionsByAccrueAction;


	private static TestCase simpleCase()
	{
	final LocalDate initialDisbursementDate = LocalDate.of(2017, 1, 5);
	//final Period firstRepaymentPeriod = new Period(initialDisbursementDate, 1);
	final CaseParameters caseParameters = Fixture.getTestCaseParameters();
	caseParameters.setTermRange(new TermRange(ChronoUnit.WEEKS, 3));
	caseParameters.setPaymentCycle(new PaymentCycle(ChronoUnit.WEEKS, 1, 0, null, null));

	final ChargeDefinition processingFeeCharge = getFixedSingleChargeDefinition(10.0, Action.OPEN, PROCESSING_FEE_ID, AccountDesignators.PROCESSING_FEE_INCOME);
	final ChargeDefinition loanOriginationFeeCharge = getFixedSingleChargeDefinition(100.0, Action.APPROVE, LOAN_ORIGINATION_FEE_ID, AccountDesignators.ORIGINATION_FEE_INCOME);
	final List<ChargeDefinition> defaultChargesWithFeesReplaced =
	chargesWithInterestRate(0.01).stream().map(x -> {
	switch (x.getIdentifier()) {
	case PROCESSING_FEE_ID:
	return processingFeeCharge;
	case LOAN_ORIGINATION_FEE_ID:
	return loanOriginationFeeCharge;
	default:
	return x;
	}
	}).collect(Collectors.toList());

	return new TestCase("simpleCase")
	.minorCurrencyUnitDigits(2)
	.caseParameters(caseParameters)
	.initialDisbursementDate(initialDisbursementDate)
	.chargeDefinitions(defaultChargesWithFeesReplaced)
	.expectChargeInstancesForActionDatePair(Action.OPEN, initialDisbursementDate, Collections.singletonList(processingFeeCharge))
	.expectChargeInstancesForActionDatePair(Action.APPROVE, initialDisbursementDate,
	Collections.singletonList(loanOriginationFeeCharge));
	}

	private static TestCase yearLoanTestCase()
	{
	final LocalDate initialDisbursementDate = LocalDate.of(2017, 1, 1);
	//final Period firstRepaymentPeriod = new Period(initialDisbursementDate, 1);
	final CaseParameters caseParameters = Fixture.getTestCaseParameters();
	caseParameters.setTermRange(new TermRange(ChronoUnit.YEARS, 1));
	caseParameters.setPaymentCycle(new PaymentCycle(ChronoUnit.MONTHS, 1, 0, null, null));
	caseParameters.setMaximumBalance(BigDecimal.valueOf(200000));

	final List<ChargeDefinition> charges = chargesWithInterestRate(0.10);

	return new TestCase("yearLoanTestCase")
	.minorCurrencyUnitDigits(3)
	.caseParameters(caseParameters)
	.initialDisbursementDate(initialDisbursementDate)
	.chargeDefinitions(charges);
	}

	private static TestCase chargeDefaultsCase()
	{
	final LocalDate initialDisbursementDate = LocalDate.of(2017, 2, 6);
	final CaseParameters caseParameters = Fixture.getTestCaseParameters();
	caseParameters.setTermRange(new TermRange(ChronoUnit.MONTHS, 6));
	caseParameters.setPaymentCycle(new PaymentCycle(ChronoUnit.WEEKS, 1, 1, 0, 0));
	caseParameters.setMaximumBalance(BigDecimal.valueOf(2000));

	final List<ChargeDefinition> charges = chargesWithInterestRate(0.05);

	return new TestCase("chargeDefaultsCase")
	.minorCurrencyUnitDigits(2)
	.caseParameters(caseParameters)
	.initialDisbursementDate(initialDisbursementDate)
	.chargeDefinitions(charges);
	}

	private static List<ChargeDefinition> chargesWithInterestRate(final double interestRate) {
	final List<ChargeDefinition> defaultLoanCharges = IndividualLendingPatternFactory.defaultIndividualLoanCharges();

	defaultLoanCharges.forEach(x -> {
	if (x.getIdentifier().equals(ChargeIdentifiers.INTEREST_ID))
	x.setAmount(BigDecimal.valueOf(interestRate));
	});

	return defaultLoanCharges;
	}

	private static ChargeDefinition getFixedSingleChargeDefinition(
	final double amount,
	final Action action,
	final String chargeIdentifier,
	final String feeAccountDesignator) {
	final ChargeDefinition ret = new ChargeDefinition();
	ret.setAmount(BigDecimal.valueOf(amount));
	ret.setIdentifier(chargeIdentifier);
	ret.setAccrueAction(null);
	ret.setChargeAction(action.name());
	ret.setChargeMethod(ChargeDefinition.ChargeMethod.FIXED);
	ret.setProportionalTo(null);
	ret.setFromAccountDesignator(AccountDesignators.ENTRY);
	ret.setToAccountDesignator(feeAccountDesignator);
	ret.setForCycleSizeUnit(null);
	return ret;
	}

	public IndividualLoanServiceTest(final TestCase testCase)
	{
	this.testCase = testCase;

	final ProductService productServiceMock = Mockito.mock(ProductService.class);
	final ChargeDefinitionService chargeDefinitionServiceMock = Mockito.mock(ChargeDefinitionService.class);
	product = new Product();
	product.setMinorCurrencyUnitDigits(testCase.minorCurrencyUnitDigits);
	Mockito.doReturn(Optional.of(product)).when(productServiceMock).findByIdentifier(testCase.productIdentifier);
	chargeDefinitionsByChargeAction = testCase.chargeDefinitions.stream()
	.collect(Collectors.groupingBy(ChargeDefinition::getChargeAction,
	Collectors.mapping(x -> x, Collectors.toList())));
	chargeDefinitionsByAccrueAction = testCase.chargeDefinitions.stream()
	.filter(x -> x.getAccrueAction() != null)
	.collect(Collectors.groupingBy(ChargeDefinition::getAccrueAction,
	Collectors.mapping(x -> x, Collectors.toList())));
	Mockito.doReturn(chargeDefinitionsByChargeAction).when(chargeDefinitionServiceMock).getChargeDefinitionsMappedByChargeAction(testCase.productIdentifier);
	Mockito.doReturn(chargeDefinitionsByAccrueAction).when(chargeDefinitionServiceMock).getChargeDefinitionsMappedByAccrueAction(testCase.productIdentifier);

	testSubject = new IndividualLoanService(productServiceMock, chargeDefinitionServiceMock, new PeriodChargeCalculator());
	}

	@Test
	public void getPlannedPayments() throws Exception {
	final PlannedPaymentPage firstPage = testSubject.getPlannedPaymentsPage(testCase.productIdentifier,
	testCase.caseParameters,
	0,
	20,
	testCase.initialDisbursementDate);

	final List<PlannedPayment> allPlannedPayments =
	Stream.iterate(0, x -> x + 1).limit(firstPage.getTotalPages())
	.map(x -> testSubject.getPlannedPaymentsPage(testCase.productIdentifier,
	testCase.caseParameters, x, 20, testCase.initialDisbursementDate))
	.flatMap(x -> x.getElements().stream())
	.collect(Collectors.toList());

	//Remaining principal should correspond with the other cost components.
	final Set<BigDecimal> customerRepayments = Stream.iterate(1, x -> x + 1).limit(allPlannedPayments.size() - 1).map(x ->
	{
	final BigDecimal costComponentSum = allPlannedPayments.get(x).getCostComponents().stream()
	.filter(this::includeCostComponentsInSumCheck)
	.map(CostComponent::getAmount)
	.reduce(BigDecimal::add)
	.orElse(BigDecimal.ZERO);
	final BigDecimal principalDifference = allPlannedPayments.get(x-1).getRemainingPrincipal().subtract(allPlannedPayments.get(x).getRemainingPrincipal());
	Assert.assertEquals(costComponentSum, principalDifference);
	Assert.assertNotEquals("Remaining principle should always be positive or zero.",
	allPlannedPayments.get(x).getRemainingPrincipal().signum(), -1);
	return costComponentSum;
	}
	).collect(Collectors.toSet());

	//All entries should have the correct scale.
	allPlannedPayments.forEach(x -> {
	x.getCostComponents().forEach(y -> Assert.assertEquals(product.getMinorCurrencyUnitDigits(), y.getAmount().scale()));
	Assert.assertEquals(product.getMinorCurrencyUnitDigits(), x.getRemainingPrincipal().scale());
	final int uniqueChargeIdentifierCount = x.getCostComponents().stream()
	.map(CostComponent::getChargeIdentifier)
	.collect(Collectors.toSet())
	.size();
	Assert.assertEquals("There should be only one cost component per charge per planned payment.",
	x.getCostComponents().size(), uniqueChargeIdentifierCount);
	});

	//All customer payments should be within one percent of each other.
	final Optional<BigDecimal> maxPayment = customerRepayments.stream().max(BigDecimal::compareTo);
	final Optional<BigDecimal> minPayment = customerRepayments.stream().min(BigDecimal::compareTo);
	Assert.assertTrue(maxPayment.isPresent());
	Assert.assertTrue(minPayment.isPresent());
	final double percentDifference = percentDifference(maxPayment.get(), minPayment.get());
	Assert.assertTrue("Percent difference = " + percentDifference, percentDifference < 0.01);

	//Final balance should be zero.
	Assert.assertEquals(BigDecimal.ZERO.setScale(testCase.minorCurrencyUnitDigits, BigDecimal.ROUND_HALF_EVEN),
	allPlannedPayments.get(allPlannedPayments.size()-1).getRemainingPrincipal());

	//All charge identifiers should be associated with a name on the returned page.
	final Set<String> resultChargeIdentifiers = firstPage.getChargeNames().stream()
	.map(ChargeName::getIdentifier)
	.collect(Collectors.toSet());

	Assert.assertEquals(testCase.expectedChargeIdentifiers, resultChargeIdentifiers);
	}

	private boolean includeCostComponentsInSumCheck(CostComponent costComponent) {
	switch (costComponent.getChargeIdentifier()) {
	case ChargeIdentifiers.INTEREST_ID:
	case ChargeIdentifiers.DISBURSEMENT_FEE_ID:
	case ChargeIdentifiers.TRACK_DISBURSAL_PAYMENT_ID:
	case ChargeIdentifiers.LATE_FEE_ID:
	case ChargeIdentifiers.LOAN_ORIGINATION_FEE_ID:
	case ChargeIdentifiers.TRACK_RETURN_PRINCIPAL_ID:
	case ChargeIdentifiers.PROCESSING_FEE_ID:
	return true;
	default:
	return false;

	}
	}

	@Test
	public void getScheduledCharges() {
	final List<ScheduledAction> scheduledActions = ScheduledActionHelpers.getHypotheticalScheduledActions(testCase.initialDisbursementDate, testCase.caseParameters);
	final List<ScheduledCharge> scheduledCharges = testSubject.getScheduledCharges(testCase.productIdentifier,
	scheduledActions);

	final List<LocalDate> interestCalculationDates = scheduledCharges.stream()
	.filter(scheduledCharge -> scheduledCharge.getScheduledAction().action == Action.APPLY_INTEREST)
	.map(scheduledCharge -> scheduledCharge.getScheduledAction().when)
	.collect(Collectors.toList());

	final List<LocalDate> allTheDaysAfterTheInitialDisbursementDate
	= Stream.iterate(testCase.initialDisbursementDate.plusDays(1), interestDay -> interestDay.plusDays(1))
	.limit(interestCalculationDates.size())
	.collect(Collectors.toList());

	Assert.assertEquals(interestCalculationDates, allTheDaysAfterTheInitialDisbursementDate);

	final List<LocalDate> acceptPaymentDates = scheduledCharges.stream()
	.filter(scheduledCharge -> scheduledCharge.getScheduledAction().action == Action.ACCEPT_PAYMENT)
	.map(scheduledCharge -> scheduledCharge.getScheduledAction().when)
	.collect(Collectors.toList());
	final long expectedAcceptPayments = scheduledActions.stream()
	.filter(x -> x.action == Action.ACCEPT_PAYMENT).count();
	final List<ChargeDefinition> chargeDefinitionsMappedToAcceptPayment = chargeDefinitionsByChargeAction.get(Action.ACCEPT_PAYMENT.name());
	final int numberOfChangeDefinitionsMappedToAcceptPayment = chargeDefinitionsMappedToAcceptPayment == null ? 0 : chargeDefinitionsMappedToAcceptPayment.size();
	Assert.assertEquals("check for correct number of scheduled charges for accept payment",
	expectedAcceptPayments*numberOfChangeDefinitionsMappedToAcceptPayment,
	acceptPaymentDates.size());

	final Map<ActionDatePair, Set<ChargeDefinition>> searchableScheduledCharges = scheduledCharges.stream()
	.collect(
	Collectors.groupingBy(scheduledCharge ->
	new ActionDatePair(scheduledCharge.getScheduledAction().action, scheduledCharge.getScheduledAction().when),
	Collectors.mapping(ScheduledCharge::getChargeDefinition, Collectors.toSet())));

	testCase.chargeDefinitionsForActions.forEach((key, value) -> value.forEach(x -> Assert.assertTrue(searchableScheduledCharges.get(key).contains(x))));
	}

	private double percentDifference(final BigDecimal maxPayment, final BigDecimal minPayment) {
	final BigDecimal difference = maxPayment.subtract(minPayment);
	final BigDecimal percentDifference = difference.divide(maxPayment, 4, BigDecimal.ROUND_UP);
	return percentDifference.doubleValue();
	}
	}