{"id":13621,"date":"2026-05-12T15:49:50","date_gmt":"2026-05-12T19:49:50","guid":{"rendered":"https:\/\/www.duncanlawonline.com\/?page_id=13621"},"modified":"2026-05-12T17:50:44","modified_gmt":"2026-05-12T21:50:44","slug":"sandbox","status":"publish","type":"page","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/sandbox\/","title":{"rendered":"Tester Page (sandbox)"},"content":{"rendered":"<p><!-- \u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea PASTE INTO WORDPRESS STARTING HERE \u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea --><\/p>\n<style>\n.ch13calcwrap * { box-sizing: border-box; }\n.ch13calcwrap { position: relative; font-family: Arial, Helvetica, sans-serif; }\n.ch13calc { max-width: 680px; margin: 0 auto; background: #f7f8fa; padding: 24px; border-radius: 8px; }<\/p>\n<p>\/* Section titles \u201a\u00c4\u00ee avoid WordPress h3\/h4 styling *\/\n.ch13calcwrap .csect {\n  font-family: Arial,Helvetica,sans-serif !important;\n  font-size: 0.95em !important; font-weight: 700 !important;\n  color: #1f2937 !important; border-bottom: 2px solid #ddd;\n  padding-bottom: 5px; margin: 22px 0 10px;\n  background: none !important; text-transform: none !important;\n}\n.ch13calcwrap .csub {\n  font-family: Arial,Helvetica,sans-serif !important;\n  font-size: 0.87em !important; font-weight: 700 !important;\n  color: #2a6ebb !important; margin: 14px 0 4px;\n  background: none !important; text-transform: none !important;\n}<\/p>\n<p>\/* Labels + inputs *\/\n.ch13calcwrap .clabel {\n  display: block; font-family: Arial,Helvetica,sans-serif !important;\n  font-size: 0.86em !important; 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font-size: 11.5px !important;\n  color: #6b7280 !important; margin-top: 3px !important;\n  line-height: 1.35 !important; display: block;\n}\n.ch13calcwrap .chint-blue {\n  font-size: 11.5px; color: #1a4a8a; margin: 6px 0;\n  background: #eef4fc; border-radius: 4px; padding: 6px 10px; line-height: 1.45;\n}<\/p>\n<p>\/* Two-column row *\/\n.ch13calcwrap .crow { display: flex; gap: 12px; flex-wrap: wrap; }\n.ch13calcwrap .crow > div { flex: 1; min-width: 120px; }<\/p>\n<p>\/* Vehicle blocks (plan section) *\/\n.ch13calcwrap .vblock { border-left: 3px solid #2a6ebb; padding-left: 12px; margin-bottom: 14px; }\n.ch13calcwrap .vtitle {\n  display: flex; justify-content: space-between; align-items: center;\n  font-weight: bold; font-size: 0.87em; color: #2a6ebb; margin: 10px 0 4px;\n}\n.ch13calcwrap .vresult {\n  background: #eef4fb; border-radius: 4px; padding: 7px 10px;\n  font-size: 0.81em; margin-top: 8px; color: #333; line-height: 1.9;\n}\n.ch13calcwrap button.remove-btn {\n  background: none !important; border: 1px solid #c0392b !important;\n  color: #c0392b !important; border-radius: 4px !important;\n  padding: 2px 8px !important; font-size: 0.78em !important; cursor: pointer !important;\n}\n.ch13calcwrap button.remove-btn:hover { background: #fdecea !important; }\n.ch13calcwrap #addVehicleBtn {\n  background: none !important; border: 1px dashed #2a6ebb !important;\n  color: #2a6ebb !important; padding: 7px 14px !important;\n  border-radius: 5px !important; cursor: pointer !important;\n  font-size: 0.88em !important; margin-top: 6px !important;\n}\n.ch13calcwrap #addVehicleBtn:hover { background: #eef4fc !important; }<\/p>\n<p>\/* Unsecured result *\/\n.ch13calcwrap .unsec-res { font-size: 13px; color: #444; margin-top: 6px; }<\/p>\n<p>\/* Result box *\/\n.ch13calcwrap .resultbox {\n  background: white; padding: 20px; border-radius: 8px;\n  box-shadow: 0 2px 10px rgba(0,0,0,.1); margin-top: 22px;\n}\n.ch13calcwrap .res-label {\n  text-align: center; font-size: 12px; font-weight: bold;\n  color: #6b7280; 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color: #7a4f00;\n  font-size: 12.5px; line-height: 1.5;\n}\n.ch13calcwrap .action-row { display: flex; justify-content: flex-end; gap: 8px; margin-top: 16px; }\n.ch13calcwrap button.print-btn {\n  background: #2a6ebb !important; color: white !important;\n  padding: 9px 15px !important; border: none !important;\n  border-radius: 5px !important; cursor: pointer !important; font-size: 13px !important;\n}\n.ch13calcwrap button.print-btn:hover { background: #1a5aa0 !important; }\n.ch13calcwrap button.reset-btn {\n  background: #6b7280 !important; color: white !important;\n  padding: 9px 15px !important; border: none !important;\n  border-radius: 5px !important; cursor: pointer !important; font-size: 13px !important;\n}<\/p>\n<p>\/* Liquidation toggle *\/\n.ch13calcwrap .liq-bar { margin-top: 20px; border: 1.5px solid #2a6ebb; border-radius: 6px; overflow: hidden; }\n.ch13calcwrap button.liq-toggle {\n  width: 100% !important; background: #eef4fc !important; border: none !important;\n  padding: 12px 16px !important; 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}<\/p>\n<p>\/* Debtor assignment select *\/\n.ch13calcwrap .assigned-row { margin-top: 8px; }<\/p>\n<p>\/* Liquid asset rows *\/\n.ch13calcwrap .lrow { display: flex; gap: 8px; margin-bottom: 4px; flex-wrap: wrap; }\n.ch13calcwrap .lrow > div { flex: 1; min-width: 90px; }\n.ch13calcwrap .lrow-res {\n  font-size: 0.79em; color: #555; background: #e8f0fb;\n  border-radius: 3px; padding: 4px 8px; margin-bottom: 8px;\n}<\/p>\n<p>\/* Liquidation summary *\/\n.ch13calcwrap .lsum {\n  background: white; border: 1.5px solid #2a6ebb;\n  border-radius: 6px; padding: 14px 16px; margin-top: 14px;\n}\n.ch13calcwrap .lsum-row {\n  display: flex; justify-content: space-between;\n  font-size: 13px; padding: 5px 0; border-bottom: 1px solid #eee;\n}\n.ch13calcwrap .lsum-row:last-child { border-bottom: none; }\n.ch13calcwrap .lsum-d1 { color: #1a4a8a; }\n.ch13calcwrap .lsum-d2 { color: #6b2fa0; }\n.ch13calcwrap .comm-box { background: #f5f7fa; border-radius: 4px; padding: 8px 10px; margin: 4px 0; }\n.ch13calcwrap .comm-title { font-size: 12px; font-weight: bold; color: #1a4a8a; margin-bottom: 4px; }\n.ch13calcwrap .comm-row { display: flex; justify-content: space-between; font-size: 11.5px; color: #555; padding: 2px 0; }\n.ch13calcwrap .comm-total {\n  display: flex; justify-content: space-between; font-size: 12px; font-weight: 600;\n  border-top: 1px solid #ccc; padding-top: 4px; margin-top: 2px;\n}\n.ch13calcwrap .floor-row {\n  display: flex; justify-content: space-between; font-weight: bold;\n  font-size: 0.95em; color: #1a4a8a; margin-top: 10px; padding-top: 8px;\n  border-top: 2px solid #2a6ebb;\n}<\/p>\n<p>\/* Add liq vehicle button *\/\n.ch13calcwrap button.add-liq-v {\n  background: none !important; border: 1px dashed #5b8fc7 !important;\n  color: #5b8fc7 !important; padding: 6px 12px !important;\n  border-radius: 5px !important; cursor: pointer !important;\n  font-size: 0.84em !important; margin: 4px 0 10px !important;\n}\n.ch13calcwrap button.add-liq-v:hover { background: #eef4fc !important; }<\/p>\n<p>\/* Print header *\/\n.ch13calcwrap .print-header { display: none; }<\/p>\n<p>\/* Mobile sticky *\/\n.ch13calcwrap .sticky { display: none; }<\/p>\n<p>@media print {\n  body { font-size: 12px; margin: 0; }\n  .ch13calcwrap .sticky, .ch13calcwrap #addVehicleBtn,\n  .ch13calcwrap button.remove-btn, .ch13calcwrap .action-row,\n  .ch13calcwrap .chint, .ch13calcwrap .chint-blue,\n  .ch13calcwrap button.liq-toggle { display: none !important; }\n  .ch13calcwrap .liq-inner { display: block !important; }\n  .ch13calcwrap .print-header { display: block !important; }\n  .ch13calc { background: white !important; padding: 0 !important; max-width: 100% !important; }\n  .ch13calcwrap .resultbox { box-shadow: none !important; border: 1px solid #ccc; }\n  .ch13calcwrap .lsum { page-break-inside: avoid; }\n}<\/p>\n<p>@media (max-width: 768px) {\n  .ch13calc { padding: 16px 14px 90px; }\n  .ch13calcwrap .res-amount { font-size: 34px; }\n  .ch13calcwrap .crow { flex-direction: column; gap: 0; }\n  .ch13calcwrap .sticky {\n    display: flex; align-items: center; justify-content: space-between;\n    position: fixed; left: 0; right: 0; bottom: 0; z-index: 9999;\n    padding: 11px 16px; background: #1f2937; color: white;\n    box-shadow: 0 -2px 8px rgba(0,0,0,.2);\n  }\n  .ch13calcwrap .sticky-lbl { font-size: 12px; font-weight: bold; text-transform: uppercase; opacity: .85; }\n  .ch13calcwrap .sticky-amt { font-size: 22px; font-weight: bold; }\n}\n<\/style>\n<p><!-- Print header (screen: hidden) --><\/p>\n<div class=\"print-header\" id=\"printHeader\">\n<table style=\"width:100%;border-collapse:collapse;border-bottom:2px solid #2a6ebb;padding-bottom:8px;margin-bottom:12px;\">\n<tr>\n<td style=\"font-family:Arial,sans-serif;vertical-align:top;\">\n        <strong style=\"font-size:1.1em;\">Chapter 13 Plan Payment Estimate<\/strong><br \/>\n        <span style=\"font-size:.9em;color:#555;\">Duncan Law, LLP<\/span>\n      <\/td>\n<td style=\"text-align:right;font-family:Arial,sans-serif;font-size:.9em;vertical-align:top;\">\n        Client: <strong id=\"printClient\">&mdash;<\/strong><br \/>\n        <span id=\"printDate\" style=\"color:#666;\"><\/span>\n      <\/td>\n<\/tr>\n<\/table>\n<p style=\"font-size:11px;color:#888;margin:0 0 8px;font-family:Arial,sans-serif;\">\n    Rough estimate for consultation purposes only. Actual payments depend on disposable income,<br \/>\n    trustee practices, and Bankruptcy Code requirements.\n  <\/p>\n<\/div>\n<div class=\"ch13calcwrap\">\n<div class=\"ch13calc\">\n<p>  <strong style=\"font-size:1.15em;color:#1f2937;\">Chapter 13 Plan Payment Calculator<\/strong><\/p>\n<p style=\"font-size:.87em;color:#6b7280;margin:4px 0 0;\">Enter amounts below to estimate a potential monthly payment.<\/p>\n<p>  <!-- Client name (print only) --><\/p>\n<div style=\"display:none;\" id=\"clientNameRow\">\n    <label class=\"clabel\" for=\"clientName\">Client \/ Matter Name<\/label><br \/>\n    <input class=\"ci\" id=\"clientName\" type=\"text\" placeholder=\"e.g. Smith, John\">\n  <\/div>\n<p>  <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 REAL PROPERTY \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"csect\">Real Property<\/div>\n<p>  <label class=\"clabel\" for=\"mortgageThroughPlan\">Mortgage Paid Through Plan?<\/label><br \/>\n  <select class=\"ci\" id=\"mortgageThroughPlan\"><option value=\"yes\" selected>Yes &mdash; conduit through trustee<\/option><option value=\"no\">No &mdash; paying directly<\/option><\/select><\/p>\n<p>  <label class=\"clabel\" for=\"mortgage\">Monthly Mortgage Payment<\/label><br \/>\n  <input class=\"ci\" id=\"mortgage\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/p>\n<div class=\"crow\">\n<div>\n      <label class=\"clabel\" for=\"arrears\">Mortgage Arrears<\/label><br \/>\n      <input class=\"ci\" id=\"arrears\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\">\n    <\/div>\n<div>\n      <label class=\"clabel\" for=\"fcfee\">Foreclosure Attorney Fees<\/label><br \/>\n      <input class=\"ci\" id=\"fcfee\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\">\n    <\/div>\n<\/p><\/div>\n<p>  <label class=\"clabel\" for=\"taxes\">Delinquent Property Taxes<\/label><br \/>\n  <input class=\"ci\" id=\"taxes\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/p>\n<p>  <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 VEHICLES \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"csect\">Vehicles<\/div>\n<div class=\"chint-blue\">\n    <strong>910+ days before filing:<\/strong> cram-down to current value; deficiency moves to unsecured.<br \/>\n    <strong>Within 910 days:<\/strong> must pay full balance.\n  <\/div>\n<div id=\"vehicleSection\"><\/div>\n<p>  <button type=\"button\" id=\"addVehicleBtn\">+ Add Another Vehicle<\/button><\/p>\n<p>  <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 OTHER SECURED &amp; PRIORITY \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"csect\">Other Secured &amp; Priority Debts<\/div>\n<p>  <label class=\"clabel\" for=\"miscSecured\">Other Secured Debts (total)<\/label><br \/>\n  <input class=\"ci\" id=\"miscSecured\" type=\"text\" placeholder=\"$ jewelry, appliances, computers, other\" inputmode=\"decimal\"><\/p>\n<div class=\"crow\">\n<div>\n      <label class=\"clabel\" for=\"priorityTaxes\">IRS \/ State Taxes<\/label><br \/>\n      <input class=\"ci\" id=\"priorityTaxes\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\">\n    <\/div>\n<div>\n      <label class=\"clabel\" for=\"dsoArrears\">DSO Arrears<\/label><br \/>\n      <input class=\"ci\" id=\"dsoArrears\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><br \/>\n      <span class=\"chint\">Child support \/ alimony &mdash; 100% priority<\/span>\n    <\/div>\n<\/p><\/div>\n<p>  <label class=\"clabel\" for=\"attorneyFees\">Attorney Fees<\/label><br \/>\n  <input class=\"ci\" id=\"attorneyFees\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/p>\n<p>  <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 UNSECURED \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"csect\">Unsecured Debt (Schedule F)<\/div>\n<p>  <label class=\"clabel\" for=\"unsecured\">Total Unsecured Debt<\/label><br \/>\n  <input class=\"ci\" id=\"unsecured\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/p>\n<div class=\"chint\" id=\"effUnsecHint\" style=\"color:#1a4a8a;\"><\/div>\n<div class=\"crow\">\n<div>\n      <label class=\"clabel\" for=\"percent\">% Paid to Unsecured<\/label><br \/>\n      <input class=\"ci\" id=\"percent\" type=\"text\" inputmode=\"decimal\" placeholder=\"0\">\n    <\/div>\n<div>\n      <label class=\"clabel\" for=\"unsecuredDollar\">Dollar Amount Paid<\/label><br \/>\n      <input class=\"ci\" id=\"unsecuredDollar\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\">\n    <\/div>\n<\/p><\/div>\n<div class=\"unsec-res\">Calculated Repayment: <strong>$<span id=\"unsecuredPaid\">0.00<\/span><\/strong><\/div>\n<p>  <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 PLAN SETTINGS \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"csect\">Plan Settings<\/div>\n<p>  <label class=\"clabel\" for=\"months\">Plan Length (Months)<\/label><br \/>\n  <input class=\"ci\" id=\"months\" type=\"number\" min=\"1\" step=\"1\" placeholder=\"60\" style=\"max-width:180px;\"><br \/>\n  <span class=\"chint\">36&ndash;60 months typical. Above-median debtors require 60 months.<\/span><\/p>\n<p>  <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 RESULT BOX \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"resultbox\">\n<div class=\"res-label\">Estimated Monthly Chapter 13 Payment<\/div>\n<div class=\"badge-wrap\"><span class=\"res-badge\">Rough Estimate<\/span><\/div>\n<div class=\"res-amount\">$<span id=\"result\">0.00<\/span><\/div>\n<div style=\"margin-top:12px;\">\n<div class=\"bdown-row\"><span>Base Plan Payment<\/span><span>$<span id=\"basePayment\">0.00<\/span><\/span><\/div>\n<div class=\"bdown-row\"><span>Conduit Mortgage<\/span><span>$<span id=\"mortgagePayment\">0.00<\/span><\/span><\/div>\n<div class=\"bdown-row\" id=\"cramdownRow\" style=\"display:none;\"><span>Vehicle Cram-Down Payments<\/span><span>$<span id=\"vCramdownTotal\">0.00<\/span><\/span><\/div>\n<div class=\"bdown-row\" id=\"liqTestRow\"><span>&sect;&nbsp;1325(a)(4) Liquidation Test<\/span><span id=\"liqTestSummary\">&mdash;<\/span><\/div>\n<\/p><\/div>\n<div class=\"liq-warn\" id=\"liqWarn\" style=\"display:none;\">\n      <strong>Liquidation Test:<\/strong> Unsecured payout ($<span id=\"warnPaid\">0.00<\/span>) is below<br \/>\n      the &sect;&nbsp;1325(a)(4) minimum ($<span id=\"warnFloor\">0.00<\/span>). Plan adjusted upward.\n    <\/div>\n<div class=\"action-row\">\n      <button class=\"print-btn\" type=\"button\" id=\"printBtn\">Print Summary<\/button><br \/>\n      <button class=\"reset-btn\" type=\"button\" id=\"resetBtn\">Reset<\/button>\n    <\/div>\n<\/p><\/div>\n<p>  <!-- \u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\n       LIQUIDATION TEST \u201a\u00c4\u00ee COLLAPSIBLE\n       \u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea --><\/p>\n<div class=\"liq-bar\">\n    <button type=\"button\" class=\"liq-toggle\" id=\"liqToggleBtn\"><br \/>\n      <span id=\"liqIcon\">&#9654;<\/span><br \/>\n      Liquidation Test &mdash; &sect;&nbsp;1325(a)(4) Best Interests<br \/>\n      <span class=\"liq-hint-text\">Expand if debtor has significant assets<\/span><br \/>\n    <\/button><\/p>\n<div class=\"liq-inner\" id=\"liqInner\" style=\"display:none;\">\n<p style=\"font-size:12px;color:#555;margin:0 0 10px;font-family:Arial,sans-serif;\">\n        Each asset is assigned to <strong>Debtor 1<\/strong>, <strong>Debtor 2<\/strong>, or<br \/>\n        <strong>Joint<\/strong> (split 50\/50). The Chapter 7 trustee&rsquo;s commission and<br \/>\n        Sch.&nbsp;E taxes are deducted to arrive at the minimum the plan must pay to<br \/>\n        general unsecured (Sch.&nbsp;F) creditors.\n      <\/p>\n<p>      <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 HOME \u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"csub\">Real Property &mdash; Home<\/div>\n<div class=\"ablock\">\n<div class=\"crow\">\n<div>\n            <label class=\"clabel\" for=\"home_mv\">Market Value<\/label><br \/>\n            <input class=\"ci\" id=\"home_mv\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\">\n          <\/div>\n<div>\n            <label class=\"clabel\" for=\"home_liqtoggle\">Apply 10% Liq. Costs?<\/label><br \/>\n            <select class=\"ci\" id=\"home_liqtoggle\"><option value=\"yes\" selected>Yes (10%)<\/option><option value=\"no\">No<\/option><\/select>\n          <\/div>\n<\/p><\/div>\n<div class=\"crow\">\n<div>\n            <label class=\"clabel\" for=\"home_liens\">Total Mortgage Liens<\/label><br \/>\n            <input class=\"ci\" id=\"home_liens\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><br \/>\n            <span class=\"chint\" id=\"homeLiensHint\">Outstanding balance of all mortgages \/ HELOCs.<\/span>\n          <\/div>\n<div class=\"assigned-row\">\n            <label class=\"clabel\" for=\"home_assigned\">Assigned to:<\/label><br \/>\n            <select class=\"ci\" id=\"home_assigned\"><option value=\"d1\" selected>Debtor 1<\/option><option value=\"d2\">Debtor 2<\/option><option value=\"joint\">Joint (50\/50)<\/option><\/select>\n          <\/div>\n<\/p><\/div>\n<div id=\"home_d1wrap\">\n          <label class=\"clabel\" for=\"home_ex_d1\">Homestead Exemption &mdash; Debtor 1<\/label><br \/>\n          <input class=\"ci\" id=\"home_ex_d1\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><br \/>\n          <span class=\"chint\">NC: $35,000\/debtor (N.C.G.S. &sect;&nbsp;1C-1601(a)(1)).<\/span>\n        <\/div>\n<div id=\"home_d2wrap\" style=\"display:none;\">\n          <label class=\"clabel\" for=\"home_ex_d2\">Homestead Exemption &mdash; Debtor 2<\/label><br \/>\n          <input class=\"ci\" id=\"home_ex_d2\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><br \/>\n          <span class=\"chint\">NC: $35,000\/debtor.<\/span>\n        <\/div>\n<div class=\"ares\">\n          Liq. Costs: $<span id=\"home_outCosts\">0.00<\/span><br \/>\n          &nbsp;|&nbsp; Net: $<span id=\"home_outNet\">0.00<\/span><br \/>\n          &nbsp;|&nbsp; <span class=\"ares-label\">D1 Liq. Value: $<span id=\"home_outD1\">0.00<\/span><\/span><br \/>\n          &nbsp;|&nbsp; <span class=\"ares-label\">D2 Liq. Value: $<span id=\"home_outD2\">0.00<\/span><\/span>\n        <\/div>\n<\/p><\/div>\n<p>      <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 VEHICLES (linked from plan section) \u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"csub\">Vehicles <span style=\"font-weight:normal;font-size:.9em;\">(value &amp; balance linked from plan section above)<\/span><\/div>\n<p>      <span class=\"chint\" style=\"display:block;margin-bottom:6px;\">NC vehicle exemption: $3,500\/debtor. Add additional vehicles (e.g. paid-off) using the button below.<\/span><\/p>\n<p>      <!-- Plan vehicle 1 --><\/p>\n<div class=\"ablock\" id=\"pvLiq_1\" style=\"display:none;\">\n<div class=\"ablock-title\">Vehicle 1<\/div>\n<div class=\"crow\">\n<div>\n            <label class=\"clabel\">Market Value (linked)<\/label><\/p>\n<div style=\"background:#e8edf2;border:1px solid #c0ccda;border-radius:4px;padding:8px 10px;font-size:14px;color:#444;margin-top:3px;\">$<span id=\"pvLiq_mv_1\">0.00<\/span><\/div>\n<\/p><\/div>\n<div>\n            <label class=\"clabel\">Loan Balance \/ Lien (linked)<\/label><\/p>\n<div style=\"background:#e8edf2;border:1px solid #c0ccda;border-radius:4px;padding:8px 10px;font-size:14px;color:#444;margin-top:3px;\">$<span id=\"pvLiq_lien_1\">0.00<\/span><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"crow\">\n<div>\n            <label class=\"clabel\" for=\"pvLiq_liqtoggle_1\">Apply 10% Liq. Costs?<\/label><br \/>\n            <select class=\"ci\" id=\"pvLiq_liqtoggle_1\"><option value=\"no\" selected>No<\/option><option value=\"yes\">Yes (10%)<\/option><\/select>\n          <\/div>\n<div class=\"assigned-row\">\n            <label class=\"clabel\" for=\"pvLiq_assigned_1\">Assigned to:<\/label><br \/>\n            <select class=\"ci\" id=\"pvLiq_assigned_1\"><option value=\"d1\" selected>Debtor 1<\/option><option value=\"d2\">Debtor 2<\/option><option value=\"joint\">Joint (50\/50)<\/option><\/select>\n          <\/div>\n<\/p><\/div>\n<div id=\"pvLiq_1_d1wrap\">\n          <label class=\"clabel\" for=\"pvLiq_ex_d1_1\">Exemption &mdash; Debtor 1<\/label><br \/>\n          <input class=\"ci\" id=\"pvLiq_ex_d1_1\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"3500\">\n        <\/div>\n<div id=\"pvLiq_1_d2wrap\" style=\"display:none;\">\n          <label class=\"clabel\" for=\"pvLiq_ex_d2_1\">Exemption &mdash; Debtor 2<\/label><br \/>\n          <input class=\"ci\" id=\"pvLiq_ex_d2_1\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"3500\">\n        <\/div>\n<div class=\"ares\">\n          Liq. Costs: $<span id=\"pvLiq_outCosts_1\">0.00<\/span><br \/>\n          &nbsp;|&nbsp; Net: $<span id=\"pvLiq_outNet_1\">0.00<\/span><br \/>\n          &nbsp;|&nbsp; <span class=\"ares-label\">D1: $<span id=\"pvLiq_outD1_1\">0.00<\/span><\/span><br \/>\n          &nbsp;|&nbsp; <span class=\"ares-label\">D2: $<span id=\"pvLiq_outD2_1\">0.00<\/span><\/span>\n        <\/div>\n<\/p><\/div>\n<p>      <!-- Plan vehicle 2 --><\/p>\n<div class=\"ablock\" id=\"pvLiq_2\" style=\"display:none;\">\n<div class=\"ablock-title\">Vehicle 2<\/div>\n<div class=\"crow\">\n<div><label class=\"clabel\">Market Value (linked)<\/label><\/p>\n<div style=\"background:#e8edf2;border:1px solid #c0ccda;border-radius:4px;padding:8px 10px;font-size:14px;color:#444;margin-top:3px;\">$<span id=\"pvLiq_mv_2\">0.00<\/span><\/div>\n<\/div>\n<div><label class=\"clabel\">Loan Balance \/ Lien (linked)<\/label><\/p>\n<div style=\"background:#e8edf2;border:1px solid #c0ccda;border-radius:4px;padding:8px 10px;font-size:14px;color:#444;margin-top:3px;\">$<span id=\"pvLiq_lien_2\">0.00<\/span><\/div>\n<\/div><\/div>\n<div class=\"crow\">\n<div><label class=\"clabel\" for=\"pvLiq_liqtoggle_2\">Apply 10% Liq. Costs?<\/label><select class=\"ci\" id=\"pvLiq_liqtoggle_2\"><option value=\"no\" selected>No<\/option><option value=\"yes\">Yes (10%)<\/option><\/select><\/div>\n<div class=\"assigned-row\"><label class=\"clabel\" for=\"pvLiq_assigned_2\">Assigned to:<\/label><select class=\"ci\" id=\"pvLiq_assigned_2\"><option value=\"d1\" selected>Debtor 1<\/option><option value=\"d2\">Debtor 2<\/option><option value=\"joint\">Joint (50\/50)<\/option><\/select><\/div>\n<\/p><\/div>\n<div id=\"pvLiq_2_d1wrap\"><label class=\"clabel\" for=\"pvLiq_ex_d1_2\">Exemption &mdash; Debtor 1<\/label><input class=\"ci\" id=\"pvLiq_ex_d1_2\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"3500\"><\/div>\n<div id=\"pvLiq_2_d2wrap\" style=\"display:none;\"><label class=\"clabel\" for=\"pvLiq_ex_d2_2\">Exemption &mdash; Debtor 2<\/label><input class=\"ci\" id=\"pvLiq_ex_d2_2\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"3500\"><\/div>\n<div class=\"ares\">Liq. Costs: $<span id=\"pvLiq_outCosts_2\">0.00<\/span> &nbsp;|&nbsp; Net: $<span id=\"pvLiq_outNet_2\">0.00<\/span> &nbsp;|&nbsp; <span class=\"ares-label\">D1: $<span id=\"pvLiq_outD1_2\">0.00<\/span><\/span> &nbsp;|&nbsp; <span class=\"ares-label\">D2: $<span id=\"pvLiq_outD2_2\">0.00<\/span><\/span><\/div>\n<\/p><\/div>\n<p>      <!-- Plan vehicle 3 --><\/p>\n<div class=\"ablock\" id=\"pvLiq_3\" style=\"display:none;\">\n<div class=\"ablock-title\">Vehicle 3<\/div>\n<div class=\"crow\">\n<div><label class=\"clabel\">Market Value (linked)<\/label><\/p>\n<div style=\"background:#e8edf2;border:1px solid #c0ccda;border-radius:4px;padding:8px 10px;font-size:14px;color:#444;margin-top:3px;\">$<span id=\"pvLiq_mv_3\">0.00<\/span><\/div>\n<\/div>\n<div><label class=\"clabel\">Loan Balance \/ Lien (linked)<\/label><\/p>\n<div style=\"background:#e8edf2;border:1px solid #c0ccda;border-radius:4px;padding:8px 10px;font-size:14px;color:#444;margin-top:3px;\">$<span id=\"pvLiq_lien_3\">0.00<\/span><\/div>\n<\/div><\/div>\n<div class=\"crow\">\n<div><label class=\"clabel\" for=\"pvLiq_liqtoggle_3\">Apply 10% Liq. Costs?<\/label><select class=\"ci\" id=\"pvLiq_liqtoggle_3\"><option value=\"no\" selected>No<\/option><option value=\"yes\">Yes (10%)<\/option><\/select><\/div>\n<div class=\"assigned-row\"><label class=\"clabel\" for=\"pvLiq_assigned_3\">Assigned to:<\/label><select class=\"ci\" id=\"pvLiq_assigned_3\"><option value=\"d1\" selected>Debtor 1<\/option><option value=\"d2\">Debtor 2<\/option><option value=\"joint\">Joint (50\/50)<\/option><\/select><\/div>\n<\/p><\/div>\n<div id=\"pvLiq_3_d1wrap\"><label class=\"clabel\" for=\"pvLiq_ex_d1_3\">Exemption &mdash; Debtor 1<\/label><input class=\"ci\" id=\"pvLiq_ex_d1_3\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"3500\"><\/div>\n<div id=\"pvLiq_3_d2wrap\" style=\"display:none;\"><label class=\"clabel\" for=\"pvLiq_ex_d2_3\">Exemption &mdash; Debtor 2<\/label><input class=\"ci\" id=\"pvLiq_ex_d2_3\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"3500\"><\/div>\n<div class=\"ares\">Liq. Costs: $<span id=\"pvLiq_outCosts_3\">0.00<\/span> &nbsp;|&nbsp; Net: $<span id=\"pvLiq_outNet_3\">0.00<\/span> &nbsp;|&nbsp; <span class=\"ares-label\">D1: $<span id=\"pvLiq_outD1_3\">0.00<\/span><\/span> &nbsp;|&nbsp; <span class=\"ares-label\">D2: $<span id=\"pvLiq_outD2_3\">0.00<\/span><\/span><\/div>\n<\/p><\/div>\n<p>      <!-- Extra liq vehicles (not in plan section \u201a\u00c4\u00ee e.g. paid-off) --><\/p>\n<div id=\"liqExtraVehicles\"><\/div>\n<p>      <button type=\"button\" class=\"add-liq-v\" id=\"addLiqVBtn\">+ Add Vehicle (Liquidation Only)<\/button><\/p>\n<p>      <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 OTHER NON-LIQUID ASSETS \u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"csub\">Other Non-Liquid Assets<\/div>\n<p>      <span class=\"chint\" style=\"display:block;margin-bottom:6px;\">Business interests, investment accounts, tools, non-exempt personal property, etc.<\/span><\/p>\n<p>      <!-- Other 1 --><\/p>\n<div class=\"ablock\">\n        <input class=\"ci\" id=\"oth1_name\" type=\"text\" placeholder=\"Asset description (e.g. Business Interest)\" style=\"margin-bottom:8px;\"><\/p>\n<div class=\"crow\">\n<div><label class=\"clabel\" for=\"oth1_mv\">Market Value<\/label><input class=\"ci\" id=\"oth1_mv\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div><label class=\"clabel\" for=\"oth1_liqtoggle\">10% Liq. Costs?<\/label><select class=\"ci\" id=\"oth1_liqtoggle\"><option value=\"yes\" selected>Yes<\/option><option value=\"no\">No<\/option><\/select><\/div>\n<div><label class=\"clabel\" for=\"oth1_liens\">Liens<\/label><input class=\"ci\" id=\"oth1_liens\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<\/p><\/div>\n<div class=\"assigned-row\">\n          <label class=\"clabel\" for=\"oth1_assigned\">Assigned to:<\/label><br \/>\n          <select class=\"ci\" id=\"oth1_assigned\" style=\"max-width:220px;\"><option value=\"d1\" selected>Debtor 1<\/option><option value=\"d2\">Debtor 2<\/option><option value=\"joint\">Joint (50\/50)<\/option><\/select>\n        <\/div>\n<div id=\"oth1_d1wrap\"><label class=\"clabel\" for=\"oth1_ex_d1\">Exemption &mdash; Debtor 1<\/label><input class=\"ci\" id=\"oth1_ex_d1\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div id=\"oth1_d2wrap\" style=\"display:none;\"><label class=\"clabel\" for=\"oth1_ex_d2\">Exemption &mdash; Debtor 2<\/label><input class=\"ci\" id=\"oth1_ex_d2\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div class=\"ares\">Liq. Costs: $<span id=\"oth1_outCosts\">0.00<\/span> &nbsp;|&nbsp; Net: $<span id=\"oth1_outNet\">0.00<\/span> &nbsp;|&nbsp; <span class=\"ares-label\">D1: $<span id=\"oth1_outD1\">0.00<\/span><\/span> &nbsp;|&nbsp; <span class=\"ares-label\">D2: $<span id=\"oth1_outD2\">0.00<\/span><\/span><\/div>\n<\/p><\/div>\n<p>      <!-- Other 2 --><\/p>\n<div class=\"ablock\">\n        <input class=\"ci\" id=\"oth2_name\" type=\"text\" placeholder=\"Asset description\" style=\"margin-bottom:8px;\"><\/p>\n<div class=\"crow\">\n<div><label class=\"clabel\" for=\"oth2_mv\">Market Value<\/label><input class=\"ci\" id=\"oth2_mv\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div><label class=\"clabel\" for=\"oth2_liqtoggle\">10% Liq. Costs?<\/label><select class=\"ci\" id=\"oth2_liqtoggle\"><option value=\"yes\" selected>Yes<\/option><option value=\"no\">No<\/option><\/select><\/div>\n<div><label class=\"clabel\" for=\"oth2_liens\">Liens<\/label><input class=\"ci\" id=\"oth2_liens\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<\/p><\/div>\n<div class=\"assigned-row\">\n          <label class=\"clabel\" for=\"oth2_assigned\">Assigned to:<\/label><br \/>\n          <select class=\"ci\" id=\"oth2_assigned\" style=\"max-width:220px;\"><option value=\"d1\" selected>Debtor 1<\/option><option value=\"d2\">Debtor 2<\/option><option value=\"joint\">Joint (50\/50)<\/option><\/select>\n        <\/div>\n<div id=\"oth2_d1wrap\"><label class=\"clabel\" for=\"oth2_ex_d1\">Exemption &mdash; Debtor 1<\/label><input class=\"ci\" id=\"oth2_ex_d1\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div id=\"oth2_d2wrap\" style=\"display:none;\"><label class=\"clabel\" for=\"oth2_ex_d2\">Exemption &mdash; Debtor 2<\/label><input class=\"ci\" id=\"oth2_ex_d2\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div class=\"ares\">Liq. Costs: $<span id=\"oth2_outCosts\">0.00<\/span> &nbsp;|&nbsp; Net: $<span id=\"oth2_outNet\">0.00<\/span> &nbsp;|&nbsp; <span class=\"ares-label\">D1: $<span id=\"oth2_outD1\">0.00<\/span><\/span> &nbsp;|&nbsp; <span class=\"ares-label\">D2: $<span id=\"oth2_outD2\">0.00<\/span><\/span><\/div>\n<\/p><\/div>\n<p>      <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 LIQUID ASSETS \u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"csub\">Liquid Assets<\/div>\n<p>      <span class=\"chint\" style=\"display:block;margin-bottom:8px;\">Cash, bank accounts, tax refunds &mdash; <strong>not<\/strong> reduced by liquidation costs per the trustee&rsquo;s worksheet.<\/span><\/p>\n<div style=\"display:flex;gap:6px;font-size:11px;font-weight:bold;color:#555;margin-bottom:3px;flex-wrap:wrap;\">\n<div style=\"flex:2;min-width:100px;\">Description<\/div>\n<div style=\"flex:1;min-width:80px;\">Amount<\/div>\n<div style=\"flex:1;min-width:80px;\">Assigned to<\/div>\n<div style=\"flex:1;min-width:70px;\">D1 Exemption<\/div>\n<div style=\"flex:1;min-width:70px;\">D2 Exemption<\/div>\n<\/p><\/div>\n<p>      <!-- Liquid rows 1-4 --><\/p>\n<div class=\"lrow\">\n<div style=\"flex:2;min-width:100px;\"><input class=\"ci\" id=\"lq1_desc\" type=\"text\" placeholder=\"e.g. Bank Account\"><\/div>\n<div style=\"flex:1;min-width:80px;\"><input class=\"ci\" id=\"lq1_val\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div style=\"flex:1;min-width:80px;\"><select class=\"ci\" id=\"lq1_assigned\"><option value=\"d1\" selected>Debtor 1<\/option><option value=\"d2\">Debtor 2<\/option><option value=\"joint\">Joint<\/option><\/select><\/div>\n<div style=\"flex:1;min-width:70px;\"><input class=\"ci\" id=\"lq1_ex_d1\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div style=\"flex:1;min-width:70px;\"><input class=\"ci\" id=\"lq1_ex_d2\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<\/p><\/div>\n<div class=\"lrow-res\">D1 Liq. Value: $<span id=\"lq1_outD1\">0.00<\/span> &nbsp;|&nbsp; D2 Liq. Value: $<span id=\"lq1_outD2\">0.00<\/span><\/div>\n<div class=\"lrow\">\n<div style=\"flex:2;min-width:100px;\"><input class=\"ci\" id=\"lq2_desc\" type=\"text\" placeholder=\"e.g. Tax Refund\"><\/div>\n<div style=\"flex:1;min-width:80px;\"><input class=\"ci\" id=\"lq2_val\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div style=\"flex:1;min-width:80px;\"><select class=\"ci\" id=\"lq2_assigned\"><option value=\"d1\" selected>Debtor 1<\/option><option value=\"d2\">Debtor 2<\/option><option value=\"joint\">Joint<\/option><\/select><\/div>\n<div style=\"flex:1;min-width:70px;\"><input class=\"ci\" id=\"lq2_ex_d1\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div style=\"flex:1;min-width:70px;\"><input class=\"ci\" id=\"lq2_ex_d2\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<\/p><\/div>\n<div class=\"lrow-res\">D1 Liq. Value: $<span id=\"lq2_outD1\">0.00<\/span> &nbsp;|&nbsp; D2 Liq. Value: $<span id=\"lq2_outD2\">0.00<\/span><\/div>\n<div class=\"lrow\">\n<div style=\"flex:2;min-width:100px;\"><input class=\"ci\" id=\"lq3_desc\" type=\"text\" placeholder=\"e.g. Cash on Hand\"><\/div>\n<div style=\"flex:1;min-width:80px;\"><input class=\"ci\" id=\"lq3_val\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div style=\"flex:1;min-width:80px;\"><select class=\"ci\" id=\"lq3_assigned\"><option value=\"d1\" selected>Debtor 1<\/option><option value=\"d2\">Debtor 2<\/option><option value=\"joint\">Joint<\/option><\/select><\/div>\n<div style=\"flex:1;min-width:70px;\"><input class=\"ci\" id=\"lq3_ex_d1\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div style=\"flex:1;min-width:70px;\"><input class=\"ci\" id=\"lq3_ex_d2\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<\/p><\/div>\n<div class=\"lrow-res\">D1 Liq. Value: $<span id=\"lq3_outD1\">0.00<\/span> &nbsp;|&nbsp; D2 Liq. Value: $<span id=\"lq3_outD2\">0.00<\/span><\/div>\n<div class=\"lrow\">\n<div style=\"flex:2;min-width:100px;\"><input class=\"ci\" id=\"lq4_desc\" type=\"text\" placeholder=\"Other liquid asset\"><\/div>\n<div style=\"flex:1;min-width:80px;\"><input class=\"ci\" id=\"lq4_val\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div style=\"flex:1;min-width:80px;\"><select class=\"ci\" id=\"lq4_assigned\"><option value=\"d1\" selected>Debtor 1<\/option><option value=\"d2\">Debtor 2<\/option><option value=\"joint\">Joint<\/option><\/select><\/div>\n<div style=\"flex:1;min-width:70px;\"><input class=\"ci\" id=\"lq4_ex_d1\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<div style=\"flex:1;min-width:70px;\"><input class=\"ci\" id=\"lq4_ex_d2\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\"><\/div>\n<\/p><\/div>\n<div class=\"lrow-res\">D1 Liq. Value: $<span id=\"lq4_outD1\">0.00<\/span> &nbsp;|&nbsp; D2 Liq. Value: $<span id=\"lq4_outD2\">0.00<\/span><\/div>\n<p>      <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 NC WILDCARD \u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"crow\" style=\"margin-top:12px;\">\n<div>\n          <label class=\"clabel\" for=\"wildcard_d1\">NC Wildcard Exemption &mdash; Debtor 1<\/label><br \/>\n          <input class=\"ci\" id=\"wildcard_d1\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" style=\"max-width:180px;\"><br \/>\n          <span class=\"chint\" id=\"wildHint_d1\">NC: up to $10,000 ($5,000 base + unused homestead).<\/span>\n        <\/div>\n<div>\n          <label class=\"clabel\" for=\"wildcard_d2\">NC Wildcard Exemption &mdash; Debtor 2<\/label><br \/>\n          <input class=\"ci\" id=\"wildcard_d2\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" style=\"max-width:180px;\"><br \/>\n          <span class=\"chint\" id=\"wildHint_d2\">NC: up to $10,000 ($5,000 base + unused homestead).<\/span>\n        <\/div>\n<\/p><\/div>\n<p>      <!-- \u201a\u00ee\u00c4\u201a\u00ee\u00c4 LIQUIDATION SUMMARY \u201a\u00ee\u00c4\u201a\u00ee\u00c4 --><\/p>\n<div class=\"lsum\">\n<div class=\"lsum-row lsum-d1\"><span>Debtor 1 Total Liquidation Value<\/span><strong>$<span id=\"d1Total\">0.00<\/span><\/strong><\/div>\n<div class=\"lsum-row lsum-d2\" id=\"d2TotalRow\" style=\"display:none;\"><span>Debtor 2 Total Liquidation Value<\/span><strong>$<span id=\"d2Total\">0.00<\/span><\/strong><\/div>\n<div class=\"lsum-row\"><span>Combined Total Liquidation Value<\/span><strong>$<span id=\"totalLiqVal\">0.00<\/span><\/strong><\/div>\n<div class=\"lsum-row\" id=\"wildcardRow\" style=\"display:none;\"><span>Less NC Wildcard Exemptions (D1 + D2)<\/span><span style=\"color:#2a7a3b;\">($<span id=\"wildcardApplied\">0.00<\/span>)<\/span><\/div>\n<div class=\"lsum-row\" id=\"effLiqRow\" style=\"display:none;\"><span>Effective Liquidation Value<\/span><strong>$<span id=\"effLiqVal\">0.00<\/span><\/strong><\/div>\n<div class=\"comm-box\">\n<div class=\"comm-title\">Chapter 7 Trustee Commission (11 U.S.C. &sect;&nbsp;326(a))<\/div>\n<div class=\"comm-row\"><span>First $5,000 @ 25%<\/span><span>$<span id=\"commT1\">0.00<\/span><\/span><\/div>\n<div class=\"comm-row\"><span>$5,001&ndash;$50,000 @ 10%<\/span><span>$<span id=\"commT2\">0.00<\/span><\/span><\/div>\n<div class=\"comm-row\"><span>$50,001&ndash;$1,000,000 @ 5%<\/span><span>$<span id=\"commT3\">0.00<\/span><\/span><\/div>\n<div class=\"comm-row\"><span>$1,000,001+ @ 3%<\/span><span>$<span id=\"commT4\">0.00<\/span><\/span><\/div>\n<div class=\"comm-total\"><span>Total Commission<\/span><span>($<span id=\"commTot\">0.00<\/span>)<\/span><\/div>\n<\/p><\/div>\n<div class=\"lsum-row\"><span>Net After Commission<\/span><strong>$<span id=\"liqAfterComm\">0.00<\/span><\/strong><\/div>\n<div class=\"lsum-row\"><span>Less Sch.&nbsp;E Tax Debt (from Priority Taxes above)<\/span><span>($<span id=\"liqScheE\">0.00<\/span>)<\/span><\/div>\n<div class=\"floor-row\"><span>Minimum Required for Sch.&nbsp;F Unsecured Creditors<\/span><span>$<span id=\"liquidationFloor\">0.00<\/span><\/span><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><!-- liq-inner -->\n  <\/div>\n<p><!-- liq-bar --><\/p>\n<\/div>\n<p><!-- .ch13calc --><\/p>\n<div class=\"sticky\">\n<div class=\"sticky-lbl\">Est. Monthly Payment<\/div>\n<div class=\"sticky-amt\">$<span id=\"stickyResult\">0.00<\/span><\/div>\n<\/div>\n<\/div>\n<p><!-- .ch13calcwrap --><\/p>\n<p><script>\n\/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Constants \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\nconst TF_MULT      = 1.10;   \/\/ 10% trustee fee\nconst CONDUIT_MULT = 1.085;  \/\/ 8.5% conduit surcharge\nconst TILL_DEFAULT = 9.5;\nconst NC_VEH_EX    = 3500;\nconst NC_HS_STD    = 35000;\nconst NC_WILD_BASE = 5000;<\/p>\n<p>let unsecuredMode   = \"percent\";\nlet vehicleCount    = 1;\nlet savedVData      = [];\nlet liqVehicleCount = 0;   \/\/ extra liq-only vehicles\nlet savedLiqVData   = [];\nlet liqOpen         = false;<\/p>\n<p>\/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Utilities \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\nfunction pc(v) {\n  const c = String(v||\"\").replace(\/[^0-9.]\/g,\"\");\n  const p = c.split(\".\");\n  return Number(p.length>1 ? p+\".\"+p.slice(1).join(\"\") : p) || 0;\n}\nfunction fmt(n) { return n.toLocaleString(\"en-US\",{minimumFractionDigits:2,maximumFractionDigits:2}); }\nfunction fmtW(n) { return n.toLocaleString(\"en-US\",{maximumFractionDigits:0}); }\nfunction fmtI(el) { const v=pc(el.value); el.value = v>0 ? fmtW(v) : \"\"; }\nfunction val(id) { const e=document.getElementById(id); return e?pc(e.value):0; }\nfunction sel(id) { const e=document.getElementById(id); return e?e.value:\"d1\"; }\nfunction setText(id,t) { const e=document.getElementById(id); if(e) e.innerText=t; }\nfunction clamp(n,lo,hi) { return Math.min(Math.max(n,lo),hi); }<\/p>\n<p>function pmt(rate,nper,pv) {\n  if(nper<=0||pv<=0) return 0;\n  if(rate===0) return pv\/nper;\n  const f=Math.pow(1+rate,nper);\n  return (pv*rate*f)\/(f-1);\n}\n\n\/* Calculate per-debtor liquidation for one asset *\/\nfunction liqAsset(mv, applyLiq, liens, assignment, d1Ex, d2Ex) {\n  const costs  = applyLiq ? mv*0.10 : 0;\n  const net    = Math.max(0, mv - costs - liens);\n  const d1sh   = assignment===\"d2\" ? 0 : assignment===\"joint\" ? net*0.5 : net;\n  const d2sh   = assignment===\"d1\" ? 0 : assignment===\"joint\" ? net*0.5 : net;\n  return { costs, net, d1: Math.max(0,d1sh-d1Ex), d2: Math.max(0,d2sh-d2Ex) };\n}\n\nfunction ch7Comm(total) {\n  let r=total;\n  const c1=Math.min(r,5000)*0.25;    r-=Math.min(r,5000);\n  const c2=Math.min(r,45000)*0.10;   r-=Math.min(r,45000);\n  const c3=Math.min(r,950000)*0.05;  r-=Math.min(r,950000);\n  const c4=r*0.03;\n  return {total:c1+c2+c3+c4, tiers:[c1,c2,c3,c4]};\n}\n\n\/* Toggle D1\/D2 exemption fields based on assignment *\/\nfunction toggleEx(prefix) {\n  const a   = sel(prefix+\"_assigned\");\n  const d1w = document.getElementById(prefix+\"_d1wrap\");\n  const d2w = document.getElementById(prefix+\"_d2wrap\");\n  if(d1w) d1w.style.display = a===\"d2\"   ? \"none\" : \"block\";\n  if(d2w) d2w.style.display = a===\"d1\"   ? \"none\" : \"block\";\n  calculate();\n}\n\n\/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Plan section vehicle blocks \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\nfunction saveVData() {\n  savedVData=[];\n  for(let n=1;n<=vehicleCount;n++) savedVData.push({\n    balance: document.getElementById(\"vBal_\"+n)?.value||\"\",\n    value:   document.getElementById(\"vVal_\"+n)?.value||\"\",\n    is910:   document.getElementById(\"v910_\"+n)?.value||\"no\",\n    till:    document.getElementById(\"vTill_\"+n)?.value||\"\",\n  });\n}\n\nfunction renderPlanVehicles(count) {\n  var sec=document.getElementById(\"vehicleSection\");\n  if(!sec){\n    sec=document.createElement(\"div\"); sec.id=\"vehicleSection\";\n    var ab=document.getElementById(\"addVehicleBtn\");\n    if(ab) ab.parentNode.insertBefore(sec,ab); else return;\n  }\n  sec.innerHTML=\"\";\n  for(let n=1;n<=count;n++) {\n    const d=savedVData||{};\n    const div=document.createElement(\"div\");\n    div.className=\"vblock\";\n    const rmBtn=count>1?`<button type=\"button\" class=\"remove-btn\" onclick=\"removeVehicle(${n})\">Remove<\/button>`:\"\";\n    div.innerHTML=`<\/p>\n<div class=\"vtitle\">Vehicle ${n} ${rmBtn}<\/div>\n<div class=\"crow\">\n<div><label class=\"clabel\" for=\"vBal_${n}\">Loan Balance<\/label>\n        <input class=\"ci\" id=\"vBal_${n}\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"${d.balance||\"\"}\"><\/div>\n<div><label class=\"clabel\" for=\"vVal_${n}\">Current Market Value<\/label>\n        <input class=\"ci\" id=\"vVal_${n}\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"${d.value||\"\"}\"><\/div>\n<\/p><\/div>\n<div class=\"crow\">\n<div><label class=\"clabel\" for=\"v910_${n}\">Within 910 days of filing?<\/label>\n        <select class=\"ci\" id=\"v910_${n}\"><option value=\"yes\"${d.is910===\"yes\"?\" selected\":\"\"}>Yes &mdash; pay full balance<\/option><option value=\"no\"${d.is910!==\"yes\"?\" selected\":\"\"}>No &mdash; cram-down applies<\/option><\/select><\/div>\n<div><label class=\"clabel\" for=\"vTill_${n}\">Till Rate (%)<\/label>\n        <input class=\"ci\" id=\"vTill_${n}\" type=\"text\" inputmode=\"decimal\" placeholder=\"${TILL_DEFAULT}\" value=\"${d.till||\"\"}\"><\/div>\n<\/p><\/div>\n<div class=\"vresult\" id=\"vRes_${n}\">\n        Secured: <strong>$<span id=\"vSec_${n}\">0.00<\/span><\/strong>\n        &nbsp;|&nbsp; Deficiency &rarr; Unsecured: <strong>$<span id=\"vDef_${n}\">0.00<\/span><\/strong>\n        &nbsp;|&nbsp; Monthly (w\/ fee): <strong>$<span id=\"vMon_${n}\">0.00<\/span><\/strong>\n      <\/div>\n<p>`;\n    sec.appendChild(div);\n    wireV(n);\n  }\n  \/* Show\/hide plan vehicle liq blocks *\/\n  for(let n=1;n<=3;n++) {\n    const b=document.getElementById(\"pvLiq_\"+n);\n    if(b) b.style.display = n<=count ? \"block\" : \"none\";\n  }\n  const ab=document.getElementById(\"addVehicleBtn\");\n  if(ab) ab.style.display = count>=3?\"none\":\"inline-block\";\n}<\/p>\n<p>function wireV(n) {\n  [\"vBal_\",\"vVal_\"].forEach(p=>{\n    const e=document.getElementById(p+n); if(!e) return;\n    e.addEventListener(\"input\",calculate);\n    e.addEventListener(\"blur\",function(){fmtI(this);calculate();});\n  });\n  const t=document.getElementById(\"vTill_\"+n); if(t) t.addEventListener(\"input\",calculate);\n  const s=document.getElementById(\"v910_\"+n);  if(s) s.addEventListener(\"change\",calculate);\n}<\/p>\n<p>function addVehicle() { if(vehicleCount>=3) return; saveVData(); vehicleCount++; renderPlanVehicles(vehicleCount); calculate(); }\nfunction removeVehicle(n) { if(vehicleCount<=1) return; saveVData(); savedVData.splice(n-1,1); vehicleCount--; renderPlanVehicles(vehicleCount); calculate(); }\n\n\/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Extra liquidation-only vehicles \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\nfunction saveLiqVData() {\n  savedLiqVData=[];\n  for(let n=1;n<=liqVehicleCount;n++) savedLiqVData.push({\n    desc:  document.getElementById(\"lv_desc_\"+n)?.value||\"\",\n    mv:    document.getElementById(\"lv_mv_\"+n)?.value||\"\",\n    liq:   document.getElementById(\"lv_liqtoggle_\"+n)?.value||\"no\",\n    liens: document.getElementById(\"lv_liens_\"+n)?.value||\"\",\n    asgn:  document.getElementById(\"lv_assigned_\"+n)?.value||\"d1\",\n    exD1:  document.getElementById(\"lv_ex_d1_\"+n)?.value||\"\",\n    exD2:  document.getElementById(\"lv_ex_d2_\"+n)?.value||\"\",\n  });\n}\n\nfunction renderLiqVehicles(count) {\n  var sec=document.getElementById(\"liqExtraVehicles\");\n  if(!sec){\n    sec=document.createElement(\"div\"); sec.id=\"liqExtraVehicles\";\n    var ab=document.getElementById(\"addLiqVBtn\");\n    if(ab) ab.parentNode.insertBefore(sec,ab); else return;\n  }\n  sec.innerHTML=\"\";\n  for(let n=1;n<=count;n++) {\n    const d=savedLiqVData||{};\n    const div=document.createElement(\"div\");\n    div.className=\"ablock\";\n    div.id=\"lvBlock_\"+n;\n    div.innerHTML=`\n      \n\n<div style=\"display:flex;justify-content:space-between;align-items:center;margin-bottom:6px;\">\n        <span class=\"ablock-title\">Additional Vehicle ${n}<\/span>\n        <button type=\"button\" class=\"remove-btn\" onclick=\"removeLiqVehicle(${n})\">Remove<\/button>\n      <\/div>\n<p>      <label class=\"clabel\" for=\"lv_desc_${n}\">Description (optional)<\/label>\n      <input class=\"ci\" id=\"lv_desc_${n}\" type=\"text\" placeholder=\"e.g. 2018 Honda Civic (paid off)\" value=\"${d.desc||\"\"}\" style=\"margin-bottom:6px;\"><\/p>\n<div class=\"crow\">\n<div><label class=\"clabel\" for=\"lv_mv_${n}\">Market Value<\/label><input class=\"ci\" id=\"lv_mv_${n}\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"${d.mv||\"\"}\"><\/div>\n<div><label class=\"clabel\" for=\"lv_liqtoggle_${n}\">10% Liq. Costs?<\/label><select class=\"ci\" id=\"lv_liqtoggle_${n}\"><option value=\"no\"${(d.liq||\"no\")===\"no\"?\" selected\":\"\"}>No<\/option><option value=\"yes\"${d.liq===\"yes\"?\" selected\":\"\"}>Yes<\/option><\/select><\/div>\n<div><label class=\"clabel\" for=\"lv_liens_${n}\">Liens<\/label><input class=\"ci\" id=\"lv_liens_${n}\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"${d.liens||\"\"}\"><\/div>\n<\/p><\/div>\n<div class=\"assigned-row\">\n        <label class=\"clabel\" for=\"lv_assigned_${n}\">Assigned to:<\/label>\n        <select class=\"ci\" id=\"lv_assigned_${n}\" style=\"max-width:220px;\"><option value=\"d1\"${(d.asgn||\"d1\")===\"d1\"?\" selected\":\"\"}>Debtor 1<\/option><option value=\"d2\"${d.asgn===\"d2\"?\" selected\":\"\"}>Debtor 2<\/option><option value=\"joint\"${d.asgn===\"joint\"?\" selected\":\"\"}>Joint (50\/50)<\/option><\/select>\n      <\/div>\n<div id=\"lv_${n}_d1wrap\">\n        <label class=\"clabel\" for=\"lv_ex_d1_${n}\">Exemption &mdash; Debtor 1<\/label>\n        <input class=\"ci\" id=\"lv_ex_d1_${n}\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"${d.exD1||\"3500\"}\">\n      <\/div>\n<div id=\"lv_${n}_d2wrap\" style=\"${d.asgn===\"d1\"?\"display:none;\":\"\"}\">\n        <label class=\"clabel\" for=\"lv_ex_d2_${n}\">Exemption &mdash; Debtor 2<\/label>\n        <input class=\"ci\" id=\"lv_ex_d2_${n}\" type=\"text\" placeholder=\"$\" inputmode=\"decimal\" value=\"${d.exD2||\"3500\"}\">\n      <\/div>\n<div class=\"ares\">\n        Liq. Costs: $<span id=\"lv_outCosts_${n}\">0.00<\/span>\n        &nbsp;|&nbsp; Net: $<span id=\"lv_outNet_${n}\">0.00<\/span>\n        &nbsp;|&nbsp; <span class=\"ares-label\">D1: $<span id=\"lv_outD1_${n}\">0.00<\/span><\/span>\n        &nbsp;|&nbsp; <span class=\"ares-label\">D2: $<span id=\"lv_outD2_${n}\">0.00<\/span><\/span>\n      <\/div>\n<p>`;\n    sec.appendChild(div);\n    wireLiqV(n);\n  }\n  const btn=document.getElementById(\"addLiqVBtn\");\n  if(btn) btn.style.display = count>=5?\"none\":\"inline-block\";\n}<\/p>\n<p>function wireLiqV(n) {\n  [\"lv_mv_\",\"lv_liens_\"].forEach(p=>{\n    const e=document.getElementById(p+n); if(!e) return;\n    e.addEventListener(\"input\",calculate);\n    e.addEventListener(\"blur\",function(){fmtI(this);calculate();});\n  });\n  const lt=document.getElementById(\"lv_liqtoggle_\"+n);\n  if(lt) lt.addEventListener(\"change\",calculate);\n  const asn=document.getElementById(\"lv_assigned_\"+n);\n  if(asn) asn.addEventListener(\"change\",function(){ toggleEx(\"lv_\"+n); });\n  [\"lv_ex_d1_\",\"lv_ex_d2_\"].forEach(p=>{\n    const e=document.getElementById(p+n); if(!e) return;\n    e.addEventListener(\"input\",calculate);\n    e.addEventListener(\"blur\",function(){fmtI(this);calculate();});\n  });\n}<\/p>\n<p>function addLiqVehicle() {\n  if(liqVehicleCount>=5) return;\n  saveLiqVData(); liqVehicleCount++;\n  renderLiqVehicles(liqVehicleCount); calculate();\n}\nfunction removeLiqVehicle(n) {\n  if(liqVehicleCount<=0) return;\n  saveLiqVData(); savedLiqVData.splice(n-1,1); liqVehicleCount--;\n  renderLiqVehicles(liqVehicleCount); calculate();\n}\n\n\/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Liquidation toggle \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\nfunction toggleLiq() {\n  liqOpen=!liqOpen;\n  const inner=document.getElementById(\"liqInner\");\n  const icon=document.getElementById(\"liqIcon\");\n  if(inner) inner.style.display=liqOpen?\"block\":\"none\";\n  if(icon)  icon.innerHTML=liqOpen?\"&#9660;\":\"&#9654;\";\n}\n\n\/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Main calculate \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\nfunction calculate() {\n  const months=Math.max(0,Number(document.getElementById(\"months\").value)||0);\n\n  \/* Real property *\/\n  const mortgage    = val(\"mortgage\");\n  const throughPlan = sel(\"mortgageThroughPlan\")===\"yes\";\n  const conduitMort = throughPlan ? mortgage*CONDUIT_MULT : 0;\n  const realBase    = val(\"arrears\")+val(\"fcfee\")+val(\"taxes\");\n\n  \/* Home liens hint *\/\n  const hlh=document.getElementById(\"homeLiensHint\");\n  if(hlh) hlh.textContent = (mortgage>0&&val(\"home_liens\")===0)\n    ? \"Tip: monthly mortgage entered is $\"+fmt(mortgage)+\". Enter outstanding loan balance here.\"\n    : \"Outstanding balance of all mortgages \/ HELOCs.\";<\/p>\n<p>  \/* Plan section vehicles *\/\n  let vPlanBase=0, vCramPMT=0, vDeficiency=0;\n  for(let n=1;n<=vehicleCount;n++) {\n    const bal  = pc(document.getElementById(\"vBal_\"+n)?.value||\"\");\n    const mv   = pc(document.getElementById(\"vVal_\"+n)?.value||\"\");\n    const is910= document.getElementById(\"v910_\"+n)?.value===\"yes\";\n    const till = pc(document.getElementById(\"vTill_\"+n)?.value||\"\")||TILL_DEFAULT;\n    const mr   = till\/12\/100;\n    let sec,def,mon;\n    if(is910){ sec=bal;def=0;mon=0;vPlanBase+=sec; }\n    else {\n      sec=Math.min(mv,bal); def=Math.max(0,bal-mv);\n      mon=(months>=1&&sec>0)?pmt(mr,months,sec)*TF_MULT:0;\n      vCramPMT+=mon; vDeficiency+=def;\n    }\n    setText(\"vSec_\"+n,fmt(sec)); setText(\"vDef_\"+n,fmt(def)); setText(\"vMon_\"+n,fmt(mon));\n    \/* Update linked liq display values *\/\n    setText(\"pvLiq_mv_\"+n,   fmt(mv));\n    setText(\"pvLiq_lien_\"+n, fmt(bal));\n  }\n  const cr=document.getElementById(\"cramdownRow\");\n  if(cr) cr.style.display=vCramPMT>0?\"flex\":\"none\";<\/p>\n<p>  \/* Other secured + priority *\/\n  const miscSec      = val(\"miscSecured\");\n  const priorityTax  = val(\"priorityTaxes\");\n  const totalPriority= priorityTax+val(\"dsoArrears\")+val(\"attorneyFees\");<\/p>\n<p>  \/* Unsecured pool *\/\n  const userUnsec  = val(\"unsecured\");\n  const unsecTotal = userUnsec+vDeficiency;\n  const eh=document.getElementById(\"effUnsecHint\");\n  if(eh) eh.textContent = vDeficiency>0\n    ? \"Vehicle deficiency of $\"+fmt(vDeficiency)+\" added. Effective total: $\"+fmt(unsecTotal)+\".\"\n    : \"\";<\/p>\n<p>  let pct=clamp(pc(document.getElementById(\"percent\").value),0,100);\n  let rawPaid;\n  if(unsecuredMode===\"dollar\"){\n    rawPaid=val(\"unsecuredDollar\");\n    pct=unsecTotal>0?clamp((rawPaid\/unsecTotal)*100,0,100):0;\n    document.getElementById(\"percent\").value=rawPaid>0?pct.toFixed(2):\"\";\n  } else {\n    rawPaid=unsecTotal*(pct\/100);\n    document.getElementById(\"unsecuredDollar\").value=rawPaid>0?fmt(rawPaid):\"\";\n  }\n  setText(\"unsecuredPaid\",fmt(rawPaid));<\/p>\n<p>  \/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Liquidation test \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\n  let d1Total=0, d2Total=0;<\/p>\n<p>  \/* Home *\/\n  const homeMV   = val(\"home_mv\");\n  const homeApply= sel(\"home_liqtoggle\")===\"yes\";\n  const homeLiens= val(\"home_liens\");\n  const homeAsgn = sel(\"home_assigned\");\n  const homeD1Ex = val(\"home_ex_d1\");\n  const homeD2Ex = val(\"home_ex_d2\");\n  const homeCalc = liqAsset(homeMV,homeApply,homeLiens,homeAsgn,homeD1Ex,homeD2Ex);\n  setText(\"home_outCosts\",fmt(homeCalc.costs));\n  setText(\"home_outNet\",  fmt(homeCalc.net));\n  setText(\"home_outD1\",   fmt(homeCalc.d1));\n  setText(\"home_outD2\",   fmt(homeCalc.d2));\n  d1Total+=homeCalc.d1; d2Total+=homeCalc.d2;<\/p>\n<p>  \/* Plan-linked vehicle liq blocks *\/\n  for(let n=1;n<=3;n++) {\n    const blk=document.getElementById(\"pvLiq_\"+n);\n    if(!blk||blk.style.display===\"none\") continue;\n    const mv   = pc(document.getElementById(\"vVal_\"+n)?.value||\"\");\n    const lien = pc(document.getElementById(\"vBal_\"+n)?.value||\"\");\n    const aply = sel(\"pvLiq_liqtoggle_\"+n)===\"yes\";\n    const asgn = sel(\"pvLiq_assigned_\"+n);\n    const d1ex = val(\"pvLiq_ex_d1_\"+n);\n    const d2ex = val(\"pvLiq_ex_d2_\"+n);\n    const c    = liqAsset(mv,aply,lien,asgn,d1ex,d2ex);\n    setText(\"pvLiq_outCosts_\"+n,fmt(c.costs));\n    setText(\"pvLiq_outNet_\"+n,  fmt(c.net));\n    setText(\"pvLiq_outD1_\"+n,   fmt(c.d1));\n    setText(\"pvLiq_outD2_\"+n,   fmt(c.d2));\n    d1Total+=c.d1; d2Total+=c.d2;\n  }\n\n  \/* Extra liq-only vehicles *\/\n  for(let n=1;n<=liqVehicleCount;n++) {\n    const mv   = val(\"lv_mv_\"+n);\n    const aply = sel(\"lv_liqtoggle_\"+n)===\"yes\";\n    const lien = val(\"lv_liens_\"+n);\n    const asgn = sel(\"lv_assigned_\"+n);\n    const d1ex = val(\"lv_ex_d1_\"+n);\n    const d2ex = val(\"lv_ex_d2_\"+n);\n    const c    = liqAsset(mv,aply,lien,asgn,d1ex,d2ex);\n    setText(\"lv_outCosts_\"+n,fmt(c.costs));\n    setText(\"lv_outNet_\"+n,  fmt(c.net));\n    setText(\"lv_outD1_\"+n,   fmt(c.d1));\n    setText(\"lv_outD2_\"+n,   fmt(c.d2));\n    d1Total+=c.d1; d2Total+=c.d2;\n  }\n\n  \/* Other non-liquid assets *\/\n  [\"oth1\",\"oth2\"].forEach(pfx=>{\n    const mv  =val(pfx+\"_mv\");\n    const aply=sel(pfx+\"_liqtoggle\")===\"yes\";\n    const lien=val(pfx+\"_liens\");\n    const asgn=sel(pfx+\"_assigned\");\n    const d1ex=val(pfx+\"_ex_d1\");\n    const d2ex=val(pfx+\"_ex_d2\");\n    const c=liqAsset(mv,aply,lien,asgn,d1ex,d2ex);\n    setText(pfx+\"_outCosts\",fmt(c.costs));\n    setText(pfx+\"_outNet\",  fmt(c.net));\n    setText(pfx+\"_outD1\",   fmt(c.d1));\n    setText(pfx+\"_outD2\",   fmt(c.d2));\n    d1Total+=c.d1; d2Total+=c.d2;\n  });<\/p>\n<p>  \/* Liquid assets *\/\n  for(let n=1;n<=4;n++) {\n    const amount=val(\"lq\"+n+\"_val\");\n    const asgn =sel(\"lq\"+n+\"_assigned\");\n    const d1ex =val(\"lq\"+n+\"_ex_d1\");\n    const d2ex =val(\"lq\"+n+\"_ex_d2\");\n    const c=liqAsset(amount,false,0,asgn,d1ex,d2ex);\n    setText(\"lq\"+n+\"_outD1\",fmt(c.d1));\n    setText(\"lq\"+n+\"_outD2\",fmt(c.d2));\n    d1Total+=c.d1; d2Total+=c.d2;\n  }\n\n  \/* Wildcard \u201a\u00c4\u00ee per debtor *\/\n  const hs_d1   = val(\"home_ex_d1\");\n  const hs_d2   = val(\"home_ex_d2\");\n  const maxW_d1 = NC_WILD_BASE + Math.min(5000, Math.max(0, NC_HS_STD - hs_d1));\n  const maxW_d2 = NC_WILD_BASE + Math.min(5000, Math.max(0, NC_HS_STD - hs_d2));\n  const wh1=document.getElementById(\"wildHint_d1\");\n  const wh2=document.getElementById(\"wildHint_d2\");\n  if(wh1) wh1.textContent=\"NC: $5,000 base + $\"+fmtW(Math.min(5000,Math.max(0,NC_HS_STD-hs_d1)))+\" unused homestead = up to $\"+fmtW(maxW_d1)+\" available.\";\n  if(wh2) wh2.textContent=\"NC: $5,000 base + $\"+fmtW(Math.min(5000,Math.max(0,NC_HS_STD-hs_d2)))+\" unused homestead = up to $\"+fmtW(maxW_d2)+\" available.\";\n  const wc_d1=Math.min(val(\"wildcard_d1\"),maxW_d1);\n  const wc_d2=Math.min(val(\"wildcard_d2\"),maxW_d2);\n  const totalWild=wc_d1+wc_d2;\n  const adjD1=Math.max(0,d1Total-wc_d1);\n  const adjD2=Math.max(0,d2Total-wc_d2);\n  const totalLiq=adjD1+adjD2;\n\n  \/* Summary display *\/\n  setText(\"d1Total\",fmt(d1Total));\n  setText(\"d2Total\",fmt(d2Total));\n  const d2row=document.getElementById(\"d2TotalRow\");\n  if(d2row) d2row.style.display=d2Total>0?\"flex\":\"none\";\n  setText(\"totalLiqVal\",fmt(d1Total+d2Total));<\/p>\n<p>  const wr=document.getElementById(\"wildcardRow\"), er=document.getElementById(\"effLiqRow\");\n  if(totalWild>0) {\n    if(wr) wr.style.display=\"flex\"; setText(\"wildcardApplied\",fmt(totalWild));\n    if(er) er.style.display=\"flex\"; setText(\"effLiqVal\",fmt(totalLiq));\n  } else {\n    if(wr) wr.style.display=\"none\";\n    if(er) er.style.display=\"none\";\n  }<\/p>\n<p>  const comm=ch7Comm(totalLiq);\n  setText(\"commT1\",fmt(comm.tiers)); setText(\"commT2\",fmt(comm.tiers));\n  setText(\"commT3\",fmt(comm.tiers)); setText(\"commT4\",fmt(comm.tiers));\n  setText(\"commTot\",fmt(comm.total));\n  const afterComm=Math.max(0,totalLiq-comm.total);\n  const floor=Math.max(0,afterComm-priorityTax);\n  setText(\"liqAfterComm\",fmt(afterComm));\n  setText(\"liqScheE\",fmt(priorityTax));\n  setText(\"liquidationFloor\",fmt(floor));<\/p>\n<p>  \/* Apply floor to unsecured *\/\n  const finalUnsec=Math.max(rawPaid,floor);\n  const hasFloor=floor>0, floorMet=rawPaid>=floor;\n  const warnEl=document.getElementById(\"liqWarn\");\n  const testRow=document.getElementById(\"liqTestRow\");\n  const testSum=document.getElementById(\"liqTestSummary\");\n  if(!floorMet&&hasFloor) {\n    if(warnEl) warnEl.style.display=\"block\";\n    if(testRow) testRow.className=\"bdown-row tfail\";\n    if(testSum) testSum.innerText=\"Floor $\"+fmt(floor)+\" applied\";\n    setText(\"warnPaid\",fmt(rawPaid)); setText(\"warnFloor\",fmt(floor));\n  } else if(hasFloor) {\n    if(warnEl) warnEl.style.display=\"none\";\n    if(testRow) testRow.className=\"bdown-row tpass\";\n    if(testSum) testSum.innerText=\"Met \u201a\u00c4\u00ee $\"+fmt(finalUnsec)+\" paid\";\n  } else {\n    if(warnEl) warnEl.style.display=\"none\";\n    if(testRow) testRow.className=\"bdown-row\";\n    if(testSum) testSum.innerText=\"\u201a\u00c4\u00ee\";\n  }<\/p>\n<p>  \/* Final payment *\/\n  const planBase=(realBase+vPlanBase+miscSec+totalPriority+finalUnsec)*TF_MULT;\n  const baseMonthly=months>=1?planBase\/months:0;\n  const finalPmt=baseMonthly+conduitMort+vCramPMT;\n  setText(\"result\",fmt(finalPmt));\n  setText(\"basePayment\",fmt(baseMonthly));\n  setText(\"mortgagePayment\",fmt(conduitMort));\n  setText(\"vCramdownTotal\",fmt(vCramPMT));\n  setText(\"stickyResult\",fmt(finalPmt));\n}<\/p>\n<p>\/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Print \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\nfunction printResults() {\n  const name=(document.getElementById(\"clientName\")?.value||\"\").trim();\n  setText(\"printClient\",name||\"\u201a\u00c4\u00ee\");\n  document.getElementById(\"printDate\").innerText=new Date().toLocaleDateString(\"en-US\",{year:\"numeric\",month:\"long\",day:\"numeric\"});\n  const cr=document.getElementById(\"clientNameRow\");\n  if(cr) cr.style.display=\"block\";\n  window.print();\n  if(cr) cr.style.display=\"none\";\n}<\/p>\n<p>\/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Reset \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\nfunction resetCalculator() {\n  document.querySelectorAll(\".ch13calc input.ci\").forEach(el=>{\n    if(el.id.match(\/pvLiq_ex_d_\\d|lv_ex_d\/)) el.value=\"3500\";\n    else el.value=\"\";\n  });\n  document.getElementById(\"mortgageThroughPlan\").value=\"yes\";\n  document.getElementById(\"home_liqtoggle\").value=\"yes\";\n  document.getElementById(\"home_assigned\").value=\"d1\";\n  document.getElementById(\"home_d1wrap\").style.display=\"block\";\n  document.getElementById(\"home_d2wrap\").style.display=\"none\";\n  [\"oth1\",\"oth2\"].forEach(p=>{\n    const s=document.getElementById(p+\"_liqtoggle\"); if(s) s.value=\"yes\";\n    const a=document.getElementById(p+\"_assigned\"); if(a) a.value=\"d1\";\n    const d1=document.getElementById(p+\"_d1wrap\"); if(d1) d1.style.display=\"block\";\n    const d2=document.getElementById(p+\"_d2wrap\"); if(d2) d2.style.display=\"none\";\n  });\n  for(let n=1;n<=3;n++) {\n    const pt=document.getElementById(\"pvLiq_liqtoggle_\"+n); if(pt) pt.value=\"no\";\n    const pa=document.getElementById(\"pvLiq_assigned_\"+n); if(pa) pa.value=\"d1\";\n    const pd1=document.getElementById(\"pvLiq_\"+n+\"_d1wrap\"); if(pd1) pd1.style.display=\"block\";\n    const pd2=document.getElementById(\"pvLiq_\"+n+\"_d2wrap\"); if(pd2) pd2.style.display=\"none\";\n  }\n  savedVData=[]; vehicleCount=1; renderPlanVehicles(1);\n  savedLiqVData=[]; liqVehicleCount=0; renderLiqVehicles(0);\n  unsecuredMode=\"percent\";\n\n  const spans=[\"result\",\"basePayment\",\"mortgagePayment\",\"vCramdownTotal\",\"stickyResult\",\n    \"unsecuredPaid\",\"home_outCosts\",\"home_outNet\",\"home_outD1\",\"home_outD2\",\n    \"d1Total\",\"d2Total\",\"totalLiqVal\",\"wildcardApplied\",\"effLiqVal\",\n    \"commT1\",\"commT2\",\"commT3\",\"commT4\",\"commTot\",\"liqAfterComm\",\"liqScheE\",\"liquidationFloor\"];\n  spans.forEach(id=>setText(id,\"0.00\"));\n  for(let n=1;n<=3;n++) [\"pvLiq_outCosts_\",\"pvLiq_outNet_\",\"pvLiq_outD1_\",\"pvLiq_outD2_\",\n    \"oth1_outCosts\",\"oth1_outNet\",\"oth1_outD1\",\"oth1_outD2\",\n    \"oth2_outCosts\",\"oth2_outNet\",\"oth2_outD1\",\"oth2_outD2\"].forEach(id=>{\n    if(id.includes(\"_\")) { const e=document.getElementById(id); if(e) e.innerText=\"0.00\"; }\n    else setText(id+n,\"0.00\");\n  });\n  for(let n=1;n<=4;n++) { setText(\"lq\"+n+\"_outD1\",\"0.00\"); setText(\"lq\"+n+\"_outD2\",\"0.00\"); }\n\n  document.getElementById(\"liqWarn\").style.display=\"none\";\n  document.getElementById(\"liqTestSummary\").innerText=\"\u201a\u00c4\u00ee\";\n  document.getElementById(\"liqTestRow\").className=\"bdown-row\";\n  document.getElementById(\"cramdownRow\").style.display=\"none\";\n  document.getElementById(\"effUnsecHint\").textContent=\"\";\n  const wr=document.getElementById(\"wildcardRow\"); if(wr) wr.style.display=\"none\";\n  const er=document.getElementById(\"effLiqRow\"); if(er) er.style.display=\"none\";\n  const d2r=document.getElementById(\"d2TotalRow\"); if(d2r) d2r.style.display=\"none\";\n  calculate();\n}\n\n\/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Init \u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\n\/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Document-level click delegation \u201a\u00c4\u00ee runs immediately, no init needed \u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\ndocument.addEventListener(\"click\",function(e){\n  var el=e.target;\n  while(el &#038;&#038; el.nodeType===1 &#038;&#038; el!==document.body){\n    switch(el.id){\n      case \"liqToggleBtn\": toggleLiq(); return;\n      case \"addVehicleBtn\": addVehicle(); return;\n      case \"addLiqVBtn\": addLiqVehicle(); return;\n      case \"printBtn\": printResults(); return;\n      case \"resetBtn\": resetCalculator(); return;\n    }\n    el=el.parentNode;\n  }\n});\n\n\/* \u201a\u00ee\u00c4\u201a\u00ee\u00c4 Init (robust: works whether DOMContentLoaded has fired or not) \u201a\u00ee\u00c4\u201a\u00ee\u00c4 *\/\nfunction ch13Init() {\n  \/* Guard against double-run *\/\n  if (ch13Init._done) return;\n  ch13Init._done = true;\n\n  renderPlanVehicles(1);\n  renderLiqVehicles(0);\n\n  \/* Button clicks *\/\n  var btn = document.getElementById(\"addVehicleBtn\"); if(btn) btn.addEventListener(\"click\",addVehicle);\n  var alv = document.getElementById(\"addLiqVBtn\");   if(alv) alv.addEventListener(\"click\",addLiqVehicle);\n  var ltb = document.getElementById(\"liqToggleBtn\"); if(ltb) ltb.addEventListener(\"click\",toggleLiq);\n  var prb = document.getElementById(\"printBtn\");     if(prb) prb.addEventListener(\"click\",printResults);\n  var rsb = document.getElementById(\"resetBtn\");     if(rsb) rsb.addEventListener(\"click\",resetCalculator);\n\n  \/* Debtor assignment selects *\/\n  [[\"home_assigned\",\"home\"],[\"pvLiq_assigned_1\",\"pvLiq_1\"],\n   [\"pvLiq_assigned_2\",\"pvLiq_2\"],[\"pvLiq_assigned_3\",\"pvLiq_3\"],\n   [\"oth1_assigned\",\"oth1\"],[\"oth2_assigned\",\"oth2\"]\n  ].forEach(function(pair){\n    var el=document.getElementById(pair);\n    if(el) el.addEventListener(\"change\",(function(p){ return function(){ toggleEx(p); }; })(pair));\n  });\n\n  \/* Liquid asset assignment selects *\/\n  [\"lq1_assigned\",\"lq2_assigned\",\"lq3_assigned\",\"lq4_assigned\"].forEach(function(id){\n    var el=document.getElementById(id); if(el) el.addEventListener(\"change\",calculate);\n  });\n\n  \/* Currency inputs *\/\n  [\"mortgage\",\"arrears\",\"fcfee\",\"taxes\",\"miscSecured\",\n   \"priorityTaxes\",\"dsoArrears\",\"attorneyFees\",\"unsecured\",\n   \"home_mv\",\"home_liens\",\"home_ex_d1\",\"home_ex_d2\",\n   \"oth1_mv\",\"oth1_liens\",\"oth1_ex_d1\",\"oth1_ex_d2\",\n   \"oth2_mv\",\"oth2_liens\",\"oth2_ex_d1\",\"oth2_ex_d2\",\n   \"lq1_val\",\"lq1_ex_d1\",\"lq1_ex_d2\",\"lq2_val\",\"lq2_ex_d1\",\"lq2_ex_d2\",\n   \"lq3_val\",\"lq3_ex_d1\",\"lq3_ex_d2\",\"lq4_val\",\"lq4_ex_d1\",\"lq4_ex_d2\",\n   \"wildcard_d1\",\"wildcard_d2\"\n  ].forEach(function(id){\n    var e=document.getElementById(id); if(!e) return;\n    e.addEventListener(\"input\",calculate);\n    e.addEventListener(\"blur\",function(){fmtI(this);calculate();});\n  });\n\n  \/* Plan vehicle liq fields *\/\n  for(var n=1;n<=3;n++) {\n    (function(n){\n      [\"pvLiq_ex_d1_\",\"pvLiq_ex_d2_\"].forEach(function(p){\n        var e=document.getElementById(p+n); if(!e) return;\n        e.addEventListener(\"input\",calculate);\n        e.addEventListener(\"blur\",function(){fmtI(this);calculate();});\n      });\n      [\"pvLiq_liqtoggle_\",\"pvLiq_assigned_\"].forEach(function(p){\n        var e=document.getElementById(p+n); if(e) e.addEventListener(\"change\",calculate);\n      });\n    })(n);\n  }\n\n  \/* Other selects *\/\n  var pct=document.getElementById(\"percent\");\n  if(pct) pct.addEventListener(\"input\",function(){unsecuredMode=\"percent\";calculate();});\n  var usd=document.getElementById(\"unsecuredDollar\");\n  if(usd){ usd.addEventListener(\"input\",function(){unsecuredMode=\"dollar\";calculate();}); usd.addEventListener(\"blur\",function(){fmtI(this);calculate();}); }\n  [\"months\",\"mortgageThroughPlan\",\"home_liqtoggle\",\n   \"oth1_liqtoggle\",\"oth2_liqtoggle\"].forEach(function(id){\n    var e=document.getElementById(id); if(e) e.addEventListener(\"change\",calculate);\n  });\n  var mo=document.getElementById(\"months\"); if(mo) mo.addEventListener(\"input\",calculate);\n\n  calculate();\n}\n\n\/* Run immediately \u201a\u00c4\u00ee script is embedded after the HTML so elements exist.\n   Also register DOMContentLoaded and load as safety nets for WP caching\/defer. *\/\nch13Init();\nif(document.readyState===\"loading\"){\n  document.addEventListener(\"DOMContentLoaded\",ch13Init);\n}\nwindow.addEventListener(\"load\",ch13Init);\n<\/script><\/p>\n<p><!-- \u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea END OF WORDPRESS PASTE BLOCK \u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea\u201a\u00ef\u00ea --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chapter 13 Plan Payment Estimate Duncan Law, LLP Client: &mdash; Rough estimate for consultation purposes only. Actual payments depend on disposable income, trustee practices, and Bankruptcy Code requirements. Chapter 13 Plan Payment Calculator Enter amounts below to estimate a potential monthly payment. Client \/ Matter Name Real Property Mortgage Paid Through Plan? Yes &mdash; conduit &#8230; <a title=\"Tester Page (sandbox)\" class=\"read-more\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/sandbox\/\" aria-label=\"Read more about Tester Page (sandbox)\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","footnotes":""},"class_list":["post-13621","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Tester Page (sandbox) - Duncan Law<\/title>\n<meta name=\"description\" content=\"Chapter 13 Plan Payment Estimate Duncan Law, LLP Client: &mdash; Rough estimate for consultation purposes only. Actual payments depend on disposable\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tester Page (sandbox)\" \/>\n<meta property=\"og:description\" content=\"Chapter 13 Plan Payment Estimate Duncan Law, LLP Client: &mdash; Rough estimate for consultation purposes only. 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