loan_creator 0.8.2 → 0.11.0

checksums.yaml

@@ -1,7 +1,7 @@
 ---
 SHA256:
-  metadata.gz: f175586a927e2dd609903b79ed629c1ab5bc3aecde02b1cc5809629d33c5b852
-  data.tar.gz: fd695b7fba80c64efa7b5c0cefc9a1092ed6c74aa4ac070da3cb25771740e3bf
+  metadata.gz: 3f7d2dcd74aa8a01bb25577eaf1c6ea05daba9eef071d76119d7ad00773fe0f7
+  data.tar.gz: ed40fe1ff5610cbef9bc5c5c92f31095a0eaa6ad745a8f194861e65d5b8e316b
 SHA512:
-  metadata.gz: 6de1a02fc201dd985c0c255ee7b96989d477723607015647f9608228174f9bfdd4aa7f667ea9d74425a251b4912dae0430e1edd84623b7a8c1953e28ce1797f9
-  data.tar.gz: b3b3e8d4a1d007b1f8481238df1d021b5f597d2a46b887495f4099320dcd20711ccc2fb9e2ed2fa34775a99c33826c9de2d4a5b7ede12d7eb8e978d45df017f1
+  metadata.gz: 16256ac04047a1b505e37dddec9299d5409d1940dfe2d7271ebc0cc5207bfb5301f3375fbf3f793cb5a70dbacab3e5a7c3c6bd87d07c6449faeba2dd73368f71
+  data.tar.gz: 4fe77879f1dfa61adecaf5d30dcf2dd5d6c501c1d82b75232cd106ffa827c440d52326a37c25bc939f445010ab7c4d256527e92edef2124d3c6ed8369337c0eb

data/CHANGELOG.md

@@ -1,3 +1,13 @@
+v0.9.1
+-------------------------
+- add spec importer `scripts/convert_export_to_spec.rb {csv_url}`
+- fix period interests rate for realistic duration period overlapping leap & non leap years
+
+v0.9.0
+-------------------------
+- add possibility to pass the argument `term_dates` for `LoanCreator::Bullet`, `LoanCreator::InFine` and `LoanCreator::Linear`
+- `term_dates` option is based on `realistic_durations` and allow to compute terms custom date to custom date
+
 v0.8.2
 -------------------------
 

data/README.md

@@ -180,8 +180,14 @@ additional term with only interests for the time difference.
 For example, with a `start_at` in january 2020 and a `interests_start_date` in october 2019, the timetable will include a
 first term corresponding to 3 months of interests.
 
-`realistic_durations`: Optional. A boolean tha specifies whether or not to use the real number of days in each month when calculating the periodic interests rate. Note that leap years are taken into account. Default: `false`.
-The default behaviour is to use the `period` in relation to the number of months in a year (ie: 12)
+`realistic_durations`: Optional. A boolean that specifies whether or not to use the real number of days in each month when calculating the periodic interests rate (ie: for a period between January 1st 2021 and February 1st 2021 the period rate is annual_interests_rate * 31/355).
+Note that leap years are taken into account (ie: for a period between January 1st 2020 and February 1st 2020 the period rate is annual_interests_rate * 31/356). Also, an overlaping period
+take each parts into account (ie: for a period between December 1st 2020 and February 1st 2021, the period rate is (annual_interests_rate * (31/355) + annual_interests_rate * (31/356)))
+Default: `false`.
+The default behaviour is to use the `period` in relation to the number of months in a year (ie: for a monthly timetable annual_interests_rate * 1/12, for quarter annual_interests_rate * 3/12, etc.)
+
+
+`term_dates`: Optional. Implemented for `LoanCreator::Bullet`, `LoanCreator::InFine` and `LoanCreator::Linear`. Can be used if you want to implement custom due dates for terms. Terms will be computed from date to date. Must be an array with following dates. Must contain duration + 1 dates. The first element of the array is the first period start_date and last is the last period pay day.
 
 ## Calculation
 

data/lib/loan_creator/bullet.rb

@@ -24,7 +24,7 @@ module LoanCreator
     def compute_last_term(timetable)
       @crd_end_of_period                  = bigd('0')
       @due_interests_beginning_of_period  = @due_interests_end_of_period
-      @period_interests                   = @due_interests_end_of_period + compute_capitalized_interests(@due_on, timetable)
+      @period_interests                   = @due_interests_end_of_period + compute_capitalized_interests(timetable)
       @due_interests_end_of_period        = 0
       @period_capital                     = @crd_beginning_of_period
       @total_paid_capital_end_of_period   += @period_capital
@@ -32,14 +32,22 @@ module LoanCreator
       @period_amount_to_pay               = @period_capital + @period_interests
     end
 
-    def compute_capitalized_interests(due_date, timetable)
-      computed_periodic_interests_rate = periodic_interests_rate(due_date, relative_to_date: timetable_term_dates[timetable.next_index - 1])
-      (amount + @due_interests_beginning_of_period).mult(computed_periodic_interests_rate, BIG_DECIMAL_DIGITS)
+    def compute_capitalized_interests(timetable)
+      if multi_part_interests_calculation && term_dates? && (timetable_term_dates[timetable.current_index] + 1.year) < @due_on
+        multi_part_interests(
+          timetable_term_dates[timetable.current_index],
+          @due_on,
+          annual_interests_rate,
+          amount_to_capitalize
+        )
+      else
+        compute_period_generated_interests(periodic_interests_rate(timetable_term_dates[timetable.current_index], @due_on))
+      end
     end
 
     def compute_term(timetable)
       @due_interests_beginning_of_period = @due_interests_end_of_period
-      @due_interests_end_of_period += compute_capitalized_interests(@due_on, timetable)
+      @due_interests_end_of_period += compute_capitalized_interests(timetable)
     end
   end
 end

data/lib/loan_creator/common.rb

@@ -1,6 +1,7 @@
 module LoanCreator
   class Common
     extend BorrowerTimetable
+    include TimeHelper
 
     PERIODS_IN_MONTHS = {
       month: 1,
@@ -17,14 +18,24 @@ module LoanCreator
       :duration_in_periods
     ].freeze
 
+    REQUIRED_ATTRIBUTES_TERM_DATES = [
+      :amount,
+      :annual_interests_rate,
+      :starts_on,
+      :duration_in_periods,
+      :term_dates
+    ].freeze
+
     OPTIONAL_ATTRIBUTES = {
       # attribute: default_value
       deferred_in_periods: 0,
       interests_start_date: nil,
       initial_values: {},
-      realistic_durations: false
+      realistic_durations: false,
+      multi_part_interests_calculation: true
     }.freeze
 
+
     attr_reader *REQUIRED_ATTRIBUTES
     attr_reader *OPTIONAL_ATTRIBUTES.keys
 
@@ -36,11 +47,12 @@ module LoanCreator
       validate_attributes
       set_initial_values
       validate_initial_values
+      prepare_custom_term_dates if term_dates?
     end
 
-    def periodic_interests_rate(date = nil, relative_to_date: nil)
+    def periodic_interests_rate(start_date, end_date)
       if realistic_durations?
-        compute_realistic_periodic_interests_rate_percentage_for(date, relative_to_date: relative_to_date).div(100, BIG_DECIMAL_DIGITS)
+        compute_realistic_periodic_interests_rate(start_date, end_date, annual_interests_rate)
       else
         @periodic_interests_rate ||=
           annual_interests_rate.div(12 / PERIODS_IN_MONTHS[period], BIG_DECIMAL_DIGITS).div(100, BIG_DECIMAL_DIGITS)
@@ -75,35 +87,49 @@ module LoanCreator
     private
 
     def require_attributes
-      REQUIRED_ATTRIBUTES.each { |k| raise ArgumentError.new(k) unless @options.fetch(k, nil) }
+      required_attributes.each { |k| raise ArgumentError.new(k) unless @options.fetch(k, nil) }
     end
 
     def reinterpret_attributes
-      @options[:period] = @options[:period].to_sym
+      @options[:period] = @options[:period].to_sym unless term_dates?
       @options[:amount] = bigd(@options[:amount])
       @options[:annual_interests_rate] = bigd(@options[:annual_interests_rate])
       @options[:starts_on] = Date.parse(@options[:starts_on]) if @options[:starts_on].is_a?(String)
       @options[:interests_start_date] = Date.parse(@options[:interests_start_date]) if @options[:interests_start_date].is_a?(String)
+
+      if term_dates?
+        @options[:term_dates].map!{ |term_date| Date.parse(term_date.to_s) }
+      end
     end
 
     def set_attributes
-      REQUIRED_ATTRIBUTES.each { |k| instance_variable_set(:"@#{k}", @options.fetch(k)) }
-      OPTIONAL_ATTRIBUTES.each { |k,v| instance_variable_set(:"@#{k}", @options.fetch(k, v)) }
+      required_attributes.each { |k| instance_variable_set(:"@#{k}", @options.fetch(k)) }
+      OPTIONAL_ATTRIBUTES.each { |k, v| instance_variable_set(:"@#{k}", @options.fetch(k, v)) }
     end
 
     def validate(key, &block)
       raise unless block.call(instance_variable_get(:"@#{key}"))
-    rescue
-      raise ArgumentError.new(key)
+    rescue => e
+      raise ArgumentError.new([key, e.message].join(': '))
     end
 
     def validate_attributes
-      validate(:period) { |v| PERIODS_IN_MONTHS.keys.include?(v) }
+      validate(:period) { |v| PERIODS_IN_MONTHS.keys.include?(v) } unless term_dates?
       validate(:amount) { |v| v.is_a?(BigDecimal) && v > 0 }
       validate(:annual_interests_rate) { |v| v.is_a?(BigDecimal) && v >= 0 }
       validate(:starts_on) { |v| v.is_a?(Date) }
       validate(:duration_in_periods) { |v| v.is_a?(Integer) && v > 0 }
       validate(:deferred_in_periods) { |v| v.is_a?(Integer) && v >= 0 && v < duration_in_periods }
+      validate_term_dates if term_dates?
+    end
+
+    def validate_term_dates
+      TermDatesValidator.call(
+        term_dates: @options[:term_dates],
+        duration_in_periods: @options[:duration_in_periods],
+        interests_start_date: @options[:interests_start_date],
+        loan_class: self.class.name
+      )
     end
 
     def validate_initial_values
@@ -210,23 +236,42 @@ module LoanCreator
     end
 
     def term_zero?
-      interests_start_date && interests_start_date < term_zero_date
+      (interests_start_date && interests_start_date < term_zero_date) && !term_dates?
     end
 
-    def compute_realistic_periodic_interests_rate_percentage_for(date, relative_to_date:)
-      realistic_days = 365
-      realistic_days += 1 if date.leap?
-      realistic_days_in_period = (date - relative_to_date).to_i
+    def realistic_durations?
+      term_dates? || @realistic_durations.present?
+    end
 
-      annual_interests_rate.div(bigd(realistic_days) / bigd(realistic_days_in_period), BIG_DECIMAL_DIGITS)
+    def required_attributes
+      if term_dates?
+        REQUIRED_ATTRIBUTES_TERM_DATES
+      else
+        REQUIRED_ATTRIBUTES
+      end
     end
 
-    def realistic_durations?
-      !!@realistic_durations
+    def term_dates?
+      @options[:term_dates].present?
+    end
+
+    def prepare_custom_term_dates
+      term_dates = @options[:term_dates].each_with_index.with_object({}) do |(term_date, index), obj|
+        obj[index + @starting_index - 1] = term_date
+      end
+
+      # if starting_index > 1 term_dates[0] is not set
+      term_dates[0] ||= starts_on
+      @_timetable_term_dates = term_dates
+      @realistic_durations = true
     end
 
     def compute_period_generated_interests(interests_rate)
-      (@crd_beginning_of_period + @due_interests_beginning_of_period).mult(interests_rate, BIG_DECIMAL_DIGITS)
+      amount_to_capitalize.mult(interests_rate, BIG_DECIMAL_DIGITS)
+    end
+
+    def amount_to_capitalize
+      @crd_beginning_of_period + @due_interests_beginning_of_period
     end
   end
 end

data/lib/loan_creator/linear.rb

@@ -23,12 +23,25 @@ module LoanCreator
       @last_period = last_period?(idx)
       @deferred_period = @index <= deferred_in_periods
       @due_on = timetable_term_dates[timetable.next_index]
-      computed_periodic_interests_rate = periodic_interests_rate(@due_on, relative_to_date: timetable_term_dates[timetable.next_index - 1])
 
       # Reminder: CRD beginning of period = CRD end of period **of previous period**
       @crd_beginning_of_period = @crd_end_of_period
       @due_interests_beginning_of_period = @due_interests_end_of_period
-      @period_theoric_interests = period_theoric_interests(computed_periodic_interests_rate)
+
+      @period_theoric_interests = (
+        # if period is more than a year
+        if multi_part_interests_calculation && term_dates? && (timetable_term_dates[timetable.current_index] + 1.year) < @due_on
+          multi_part_interests(
+            timetable_term_dates[timetable.current_index],
+            @due_on,
+            annual_interests_rate,
+            amount_to_capitalize
+          )
+        else
+          period_theoric_interests(periodic_interests_rate(timetable_term_dates[timetable.current_index], @due_on))
+        end
+      )
+
       @delta_interests = @period_theoric_interests - @period_theoric_interests.round(2)
       @accrued_delta_interests += @delta_interests
       @amount_to_add = bigd(

data/lib/loan_creator/standard.rb

@@ -24,7 +24,7 @@ module LoanCreator
       @last_period = last_period?(idx)
       @deferred_period = @index <= deferred_in_periods
       @due_on = timetable_term_dates[timetable.next_index]
-      computed_periodic_interests_rate = periodic_interests_rate(@due_on, relative_to_date: timetable_term_dates[timetable.next_index - 1])
+      computed_periodic_interests_rate = periodic_interests_rate(timetable_term_dates[timetable.current_index], @due_on)
 
       @crd_beginning_of_period = @crd_end_of_period
       @period_theoric_interests = period_theoric_interests(@index, computed_periodic_interests_rate)

data/lib/loan_creator/term_dates_validator.rb

@@ -0,0 +1,75 @@
+module LoanCreator
+  module TermDatesValidator
+    def self.call(term_dates:, duration_in_periods:, interests_start_date:, loan_class:)
+      is_array(term_dates)
+      matches_duration(term_dates, duration_in_periods)
+      interests_start_date_present(interests_start_date)
+      coherent_dates_for_non_bullet(term_dates)
+      coherent_dates_for_bullet(term_dates) if bullet?(loan_class)
+    end
+
+    private
+
+    def self.is_array(term_dates)
+      unless term_dates.is_a?(Array)
+        raise TypeError, 'the :term_dates option must be an Array'
+      end
+    end
+
+    def self.matches_duration(term_dates, duration_in_periods)
+      unless term_dates.size == duration_in_periods + 1
+        error_message = "the size of :term_dates (#{term_dates.size}) do not match the :duration_in_periods (#{duration_in_periods})."
+        advice = "You must pass the previous term date (or start_on if starting_index == 1) as the first term date"
+        raise ArgumentError, "#{error_message} #{advice}"
+      end
+    end
+
+    def self.interests_start_date_present(interests_start_date)
+      if interests_start_date.present?
+        raise ArgumentError, ":interests_start_date is no compatible with :term_dates"
+      end
+    end
+
+    def self.coherent_dates_for_non_bullet(term_dates)
+      term_dates.each_with_index do |term_date, index|
+        next if index.zero?
+
+        previous_term_date = term_dates[index - 1]
+
+        unless term_date > previous_term_date
+          previous_term_date_description =
+            ":term_dates[#{index - 1}] (#{term_dates[index - 1].strftime('%Y-%m-%d')})"
+
+          error_message = "#{previous_term_date_description} must be before :term_dates[#{index}] (#{term_date.strftime('%Y-%m-%d')})"
+
+          raise ArgumentError, error_message
+        end
+      end
+    end
+
+    def self.coherent_dates_for_bullet(term_dates)
+      term_dates.each_with_index do |term_date, index|
+        next if index.zero?
+
+        days_in_year = 365
+        days_in_year += 1 if term_date.leap?
+
+        previous_term_date = term_dates[index - 1]
+        days_between = (term_date - previous_term_date).to_i.abs
+
+        if days_between > days_in_year
+          previous_term_date_description =
+            ":term_dates[#{index - 1}] (#{term_dates[index - 1].strftime('%Y-%m-%d')})"
+
+          error_description = "There are #{days_between} days between #{previous_term_date_description} and :term_dates[#{index}]"
+
+          raise ArgumentError, "term dates can't be more than 1 year apart. #{error_description}"
+        end
+      end
+    end
+
+    def self.bullet?(loan_class)
+      loan_class == "LoanCreator::Bullet"
+    end
+  end
+end

data/lib/loan_creator/time_helper.rb

@@ -0,0 +1,62 @@
+module LoanCreator
+  module TimeHelper
+    extend ActiveSupport::Concern
+
+    included do
+      def leap_days_count(start_date, end_date)
+        start_year = start_date.year
+        # mostly no op but allows to skip one iteration if end date is january 1st
+        end_year = (end_date - 1.day).year
+
+        (start_year..end_year).sum do |year|
+          next 0 unless Date.gregorian_leap?(year)
+
+          current_start_date =
+            if start_year == year
+              start_date
+            else
+              Date.new(year, 1, 1)
+            end
+
+          current_end_date =
+            if end_year == year
+              end_date
+            else
+              Date.new(year + 1, 1, 1)
+            end
+
+          current_end_date - current_start_date
+        end
+      end
+
+      def compute_realistic_periodic_interests_rate(start_date, end_date, annual_interests_rate)
+        total_days = end_date - start_date
+        leap_days = bigd(leap_days_count(start_date, end_date))
+        non_leap_days = bigd(total_days - leap_days)
+
+        annual_interests_rate.mult(
+          leap_days.div(366, BIG_DECIMAL_DIGITS) +
+          non_leap_days.div(365, BIG_DECIMAL_DIGITS),
+          BIG_DECIMAL_DIGITS
+        ).div(100, BIG_DECIMAL_DIGITS)
+      end
+
+      # for terms spanning more than a year,
+      # we capitalize each years until the last one which behaves normally
+      def multi_part_interests(start_date, end_date, annual_interests_rate, amount_to_capitalize)
+        duration_in_days = end_date - start_date
+        leap_days = bigd(leap_days_count(start_date, end_date))
+        non_leap_days = bigd(duration_in_days - leap_days)
+
+        ratio = non_leap_days.div(365, BIG_DECIMAL_DIGITS) + leap_days.div(366, BIG_DECIMAL_DIGITS)
+        full_years, year_part = ratio.divmod(1)
+        rate = annual_interests_rate.div(100, BIG_DECIMAL_DIGITS)
+
+        total = amount_to_capitalize.mult((1 + rate)**full_years, BIG_DECIMAL_DIGITS)
+                                    .mult(1 + rate * year_part, BIG_DECIMAL_DIGITS)
+
+        total - amount_to_capitalize
+      end
+    end
+  end
+end

data/lib/loan_creator/timetable.rb

@@ -40,5 +40,9 @@ module LoanCreator
     def next_index
       @current_index.nil? ? @starting_index : @current_index + 1
     end
+
+    def current_index
+      @current_index.nil? ? @starting_index - 1 : @current_index
+    end
   end
 end

data/lib/loan_creator/uncapitalized_bullet.rb

@@ -33,7 +33,7 @@ module LoanCreator
     end
 
     def compute_interests(due_date, timetable)
-      computed_periodic_interests_rate = periodic_interests_rate(due_date, relative_to_date: timetable_term_dates[timetable.next_index - 1])
+      computed_periodic_interests_rate = periodic_interests_rate(timetable_term_dates[timetable.current_index], due_date)
       amount.mult(bigd(computed_periodic_interests_rate), BIG_DECIMAL_DIGITS)
     end
 

data/lib/loan_creator/version.rb

@@ -1,3 +1,3 @@
 module LoanCreator
-  VERSION = '0.8.2'.freeze
+  VERSION = '0.11.0'.freeze
 end

data/lib/loan_creator.rb

@@ -7,14 +7,16 @@ require 'loan_creator/version'
 module LoanCreator
   BIG_DECIMAL_DIGITS = 14
 
-  autoload :ExcelFormulas,       'loan_creator/excel_formulas'
-  autoload :BorrowerTimetable,   'loan_creator/borrower_timetable'
-  autoload :Common,              'loan_creator/common'
-  autoload :Standard,            'loan_creator/standard'
-  autoload :Linear,              'loan_creator/linear'
-  autoload :InFine,              'loan_creator/in_fine'
-  autoload :Bullet,              'loan_creator/bullet'
-  autoload :Timetable,           'loan_creator/timetable'
-  autoload :Term,                'loan_creator/term'
-  autoload :UncapitalizedBullet, 'loan_creator/uncapitalized_bullet'
+  autoload :ExcelFormulas,            'loan_creator/excel_formulas'
+  autoload :TimeHelper,               'loan_creator/time_helper'
+  autoload :BorrowerTimetable,        'loan_creator/borrower_timetable'
+  autoload :Common,                   'loan_creator/common'
+  autoload :Standard,                 'loan_creator/standard'
+  autoload :Linear,                   'loan_creator/linear'
+  autoload :InFine,                   'loan_creator/in_fine'
+  autoload :Bullet,                   'loan_creator/bullet'
+  autoload :Timetable,                'loan_creator/timetable'
+  autoload :Term,                     'loan_creator/term'
+  autoload :UncapitalizedBullet,      'loan_creator/uncapitalized_bullet'
+  autoload :TermDatesValidator,        'loan_creator/term_dates_validator'
 end

data/scripts/convert_export_to_spec.rb

@@ -0,0 +1,51 @@
+#!/usr/bin/env ruby
+require 'csv'
+require 'open-uri'
+require 'pry'
+require 'securerandom'
+
+csv_url = ARGV[0]
+
+spec_order = %i[
+  index
+  due_on
+  crd_beginning_of_period
+  crd_end_of_period
+  period_theoric_interests
+  delta_interests
+  accrued_delta_interests
+  amount_to_add
+  period_interests
+  period_capital
+  total_paid_capital_end_of_period
+  total_paid_interests_end_of_period
+  period_amount_to_pay
+  due_interests_beginning_of_period
+  due_interests_end_of_period
+]
+
+column_getter = {
+  index: proc { |r| r['t'].to_i },
+  due_on: proc { |r| r['date'] },
+  crd_beginning_of_period: proc { |r| r['crd_start'].gsub(',', '.').to_f },
+  crd_end_of_period: proc { |r| r['crd_end'].gsub(',', '.').to_f },
+  period_theoric_interests: proc { |r| r['period_theoric_interests'].gsub(',', '.').to_f },
+  delta_interests: proc { |r| r['delta_interests'].gsub(',', '.').to_f },
+  accrued_delta_interests: proc { |r| r['cumulated_delta_interests'].gsub(',', '.').to_f },
+  amount_to_add: proc { |r| r['amount_to_add'].gsub(',', '.').to_f },
+  period_interests: proc { |r| r['period_interests'].gsub(',', '.').to_f },
+  period_capital: proc { |r| r['period_capital'].gsub(',', '.').to_f },
+  total_paid_capital_end_of_period: proc { |r| r['total_capital_paid'].gsub(',', '.').to_f },
+  total_paid_interests_end_of_period: proc { |r| r['total_interests_paid'].gsub(',', '.').to_f },
+  period_amount_to_pay: proc { |r| r['period_total'].gsub(',', '.').to_f },
+  due_interests_beginning_of_period: proc { |r| r['due_interests_beginning_of_period'].gsub(',', '.').to_f },
+  due_interests_end_of_period: proc { |r| r['due_interests_end_of_period'].gsub(',', '.').to_f }
+}
+
+data = CSV.parse(URI.open(csv_url), headers: true).map(&:to_hash)
+
+CSV.open("./spec/fixtures/new/#{SecureRandom.alphanumeric}.csv", 'w') do |csv|
+  data.each do |row|
+    csv << spec_order.map { |column| column_getter[column].call(row) }
+  end
+end

metadata

@@ -1,7 +1,7 @@
 --- !ruby/object:Gem::Specification
 name: loan_creator
 version: !ruby/object:Gem::Version
-  version: 0.8.2
+  version: 0.11.0
 platform: ruby
 authors:
 - thibaulth
@@ -12,7 +12,7 @@ authors:
 autorequire:
 bindir: exe
 cert_chain: []
-date: 2021-05-05 00:00:00.000000000 Z
+date: 2021-11-03 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: bundler
@@ -177,10 +177,13 @@ files:
 - lib/loan_creator/linear.rb
 - lib/loan_creator/standard.rb
 - lib/loan_creator/term.rb
+- lib/loan_creator/term_dates_validator.rb
+- lib/loan_creator/time_helper.rb
 - lib/loan_creator/timetable.rb
 - lib/loan_creator/uncapitalized_bullet.rb
 - lib/loan_creator/version.rb
 - loan_creator.gemspec
+- scripts/convert_export_to_spec.rb
 homepage: https://github.com/CapSens/loan-creator
 licenses:
 - MIT