var shortfall = (sto.exp * 0.8) - sto.pay - sto.ss
var livingValue = shortfall * yrs
var totalassetsValue = sto.ins + sto.assets
var totalValue = onetimevalue + livingValue - totalassetsValue
var totalAdvice = ''
if ( totalValue > 0 )
{
totalAdvice = "To ensure your family's continued well-being, you should have an <b>additional " + intToDollarStr( totalValue ) + "</b> in life insurance coverage."
}
else
{
totalAdvice = "<b>No, </b>you have more than enough coverage for your family's needs."
}
var oneTimeAdvice = "One-time expenses add up to " + intToDollarStr( onetimevalue )
var shortfallAdvice = ''
if ( shortfall > 0 )
{
shortfallAdvice = "Your family will experience an income shortfall of " + intToDollarStr( shortfall ) + " annually for " + yrs + " years after your death."
}
else if ( shortfall < 0 )
{
shortfallAdvice = "However, your family will earn " + intToDollarStr( Math.abs( shortfall ) ) + " more than they need annually for " + yrs + " years after your death."
}
else if ( shortfall == 0 )
{
shortfallAdvice = "Your family will earn exactly what they need to live on for " + yrs + " years after your death."
}
var assetsAdvice = ''
if ( totalassetsValue > 0 )
{
assetsAdvice = "It is assumed that insurance and other existing assets totaling " + intToDollarStr( totalassetsValue ) + " will be used to mitigate your family's loss."
}
else
{
assetsAdvice = "There are no other assets to help mitigate your family's loss."