mudrat_projector 0.9.0

data/test/models/date_diff_test.rb

@@ -0,0 +1,117 @@
+require 'test_helper'
+
+class DateDiffTest < Minitest::Test
+  def test_date_diff_via_keyword_args
+    via_keyword_args = date_diff(
+      unit: :year,
+      from: jan_1_2000,
+      to: jan_1_2000,
+    )
+    via_positional_params = date_diff(
+      :year,
+      jan_1_2000,
+      jan_1_2000,
+    )
+    assert_equal via_positional_params, via_keyword_args
+  end
+
+  def test_years_between_a_few_days
+    assert_equal (1.0   / 366.0), date_diff(:year, jan_1_2000, jan_1_2000)
+    assert_equal (31.0  / 366.0), date_diff(:year, jan_1_2000, jan_31_2000)
+    assert_equal (32.0  / 366.0), date_diff(:year, jan_1_2000, feb_1_2000)
+    assert_equal (2/366.0 + 2/365.0), date_diff(:year, dec_30_2000, jan_2_2001)
+  end
+
+  def test_quarters_between_a_few_days
+    q1_2000 = (31 + 29 + 31).to_f
+    q4_2000 = (31 + 30 + 31).to_f
+    q1_2001 = (31 + 28 + 31).to_f
+    assert_equal (1.0  / q1_2000), date_diff(:quarter, jan_1_2000, jan_1_2000)
+    assert_equal (31.0 / q1_2000), date_diff(:quarter, jan_1_2000, jan_31_2000)
+    assert_equal (32.0 / q1_2000), date_diff(:quarter, jan_1_2000, feb_1_2000)
+    assert_equal (2/q4_2000 + 2/q1_2001), date_diff(:quarter, dec_30_2000, jan_2_2001)
+  end
+
+  def test_months_between_a_few_days
+    assert_equal (1.0   / 31.0), date_diff(:month, jan_1_2000, jan_1_2000)
+    assert_equal (31.0  / 31.0), date_diff(:month, jan_1_2000, jan_31_2000)
+    assert_equal (1.0 + 1/29.0), date_diff(:month, jan_1_2000, feb_1_2000)
+    assert_equal (2.0/31.0 + 2.0/31.0), date_diff(:month, dec_30_2000, jan_2_2001)
+  end
+
+  def test_weeks_between_a_few_days
+    assert_equal (1.0   / 7.0), date_diff(:week, jan_1_2000, jan_1_2000)
+    assert_equal (31.0  / 7.0), date_diff(:week, jan_1_2000, jan_31_2000)
+    assert_equal (32.0  / 7.0), date_diff(:week, jan_1_2000, feb_1_2000)
+    assert_equal (2/7.0 + 2/7.0), date_diff(:week, dec_30_2000, jan_2_2001)
+  end
+
+  def test_days_between_a_few_days
+    assert_equal 1.0, date_diff(:day, jan_1_2000, jan_1_2000)
+    assert_equal 31.0, date_diff(:day, jan_1_2000, jan_31_2000)
+    assert_equal 32.0, date_diff(:day, jan_1_2000, feb_1_2000)
+    assert_equal 4.0, date_diff(:day, dec_30_2000, jan_2_2001)
+  end
+
+  def test_six_months
+    assert_equal ((1 + 29 + 31 + 30 + 31 + 2) / 366.0), date_diff(:year, jan_31_2000, jun_2_2000)
+    assert_equal (1.0/31.0 + 4.0 + 2.0/30.0), date_diff(:month, jan_31_2000, jun_2_2000)
+    assert_equal ((1 + 29 + 31 + 30 + 31 + 2) / 7.0), date_diff(:week, jan_31_2000, jun_2_2000)
+    assert_equal (1 + 29 + 31 + 30 + 31 + 2), date_diff(:day, jan_31_2000, jun_2_2000)
+  end
+
+  def test_a_single_year
+    assert_equal 1.0, date_diff(:year, jan_1_2000, dec_31_2000)
+    assert_equal 4.0, date_diff(:quarter, jan_1_2000, dec_31_2000)
+    assert_equal 12.0, date_diff(:month, jan_1_2000, dec_31_2000)
+  end
+
+  def test_full_years
+    dec_12_2004 = Date.new 2004, 12, 31
+    assert_equal 5.0, date_diff(:year, jan_1_2000, dec_12_2004)
+    assert_equal 20.0, date_diff(:quarter, jan_1_2000, dec_12_2004)
+    assert_equal 60.0, date_diff(:month, jan_1_2000, dec_12_2004)
+  end
+
+  def test_a_year_and_four_days_across_a_leap_year
+    assert_equal (2/366.0 + 1.0 + 2/365.0), date_diff(:year, dec_30_2000, Date.new(2002, 1, 2))
+    assert_equal (2/31.0 + 12.0 + 2/31.0), date_diff(:month, dec_30_2000, Date.new(2002, 1, 2))
+  end
+
+  def test_advancing_days
+    assert_equal Date.new(2000, 1, 2), advance(from: jan_1_2000, unit: :day, intervals: 1)
+    assert_equal Date.new(2000, 1, 3), advance(from: jan_1_2000, unit: :day, intervals: 2)
+    assert_equal Date.new(2000, 1, 3), advance(from: jan_1_2000, unit: :day, intervals: 1.5)
+  end
+
+  def test_advancing_weeks
+    assert_equal Date.new(2000, 1, 8),  advance(from: jan_1_2000, unit: :week, intervals: 1)
+    assert_equal Date.new(2000, 1, 15), advance(from: jan_1_2000, unit: :week, intervals: 2)
+  end
+
+  def test_advancing_months
+    assert_equal Date.new(2000, 2, 1), advance(from: jan_1_2000, unit: :month, intervals: 1)
+    assert_equal Date.new(2000, 3, 1), advance(from: jan_1_2000, unit: :month, intervals: 2)
+    assert_equal Date.new(2000, 4, 16), advance(from: apr_1_2000, unit: :month, intervals: 0.5)
+  end
+
+  def test_advancing_quarters
+    assert_equal Date.new(2000, 4, 1), advance(from: jan_1_2000, unit: :quarter, intervals: 1)
+    assert_equal Date.new(2000, 7, 1), advance(from: jan_1_2000, unit: :quarter, intervals: 2)
+  end
+
+  def test_advancing_years
+    assert_equal Date.new(2001, 1, 1), advance(from: jan_1_2000, unit: :year, intervals: 1)
+    assert_equal Date.new(2002, 1, 1), advance(from: jan_1_2000, unit: :year, intervals: 2)
+  end
+
+  private
+
+  def date_diff *args
+    DateDiff.date_diff *args
+  end
+
+  def advance *args
+    DateDiff.advance *args
+  end
+end

data/test/models/projection_test.rb

@@ -0,0 +1,62 @@
+require 'test_helper'
+
+class ProjectionTest < Minitest::Test
+  def setup
+    @chart = ChartOfAccounts.new.tap do |c|
+      c.add_account :checking, type: :asset
+      c.add_account :job, type: :revenue
+    end
+    @projection = Projection.new range: (jan_1_2000..dec_31_2000), chart: @chart
+  end
+
+  def test_adding_transaction
+    @projection << valid_transaction
+    assert_equal 1, @projection.transaction_sequence.size
+  end
+
+  def test_adding_transactions_out_of_order
+    @projection << (first  = valid_transaction(date: jan_3_2000))
+    @projection << (second = valid_transaction(date: jan_2_2000))
+    @projection << (third  = valid_transaction(date: jan_2_2000))
+    @projection << (fourth = valid_transaction(date: jan_1_2000))
+
+    assert_equal [fourth, second, third, first].map(&:date),
+      @projection.transaction_sequence.map(&:date)
+  end
+
+  def test_project_freezes_projection_and_plays_transactions_through_chart
+    add_valid_transactions
+    assert_equal 0, @chart.net_worth
+
+    @projection.project!
+    assert @projection.frozen?
+
+    assert_equal 3032, @chart.net_worth
+  end
+
+  def test_project_will_yield_to_block
+    add_valid_transactions
+
+    dates = []
+    @projection.project! { |t| dates << t.date }
+
+    assert_equal [jan_1_2000, feb_2_2000, mar_3_2000, apr_4_2000], dates
+  end
+
+  private
+
+  def add_valid_transactions
+    @projection << valid_transaction(date: jan_1_2000)
+    @projection << valid_transaction(date: feb_2_2000, amount: 32)
+    @projection << valid_transaction(date: mar_3_2000)
+    @projection << valid_transaction(date: apr_4_2000)
+  end
+
+  def valid_transaction date: jan_1_2000, amount: 1000
+    Transaction.new(
+      date: date,
+      debit:  { amount: amount, account_id: :checking },
+      credit: { amount: amount, account_id: :job      },
+    )
+  end
+end

data/test/models/projector_test.rb

@@ -0,0 +1,168 @@
+require 'test_helper'
+
+class ProjectorTest < Minitest::Test
+  def setup
+    @projector = Projector.new from: jan_1_2000
+    @projector.add_account :checking, type: :asset
+    @projector.add_account :nustartup_inc, type: :revenue
+  end
+
+  def test_next_projector_includes_deferred_transactions_from_projector
+    @projector.add_transaction(
+      date: jan_1_2000,
+      debit:  { amount: 1000, account_id: :checking },
+      credit: { amount: 1000, account_id: :nustartup_inc },
+      schedule: every_month(until: jun_30_2001),
+    )
+    next_projector = @projector.project to: dec_31_2000, build_next: true
+    assert_equal jan_1_2001, next_projector.from
+    next_projector.project to: dec_31_2001
+
+    assert_equal 18000, next_projector.net_worth
+  end
+
+  def test_project_yields_to_block
+    @projector.add_transaction(
+      date: jan_1_2000,
+      debit:  { amount: 1000, account_id: :checking },
+      credit: { amount: 1000, account_id: :nustartup_inc },
+      schedule: every_month(until: apr_30_2000),
+    )
+
+    expected_dates = [jan_1_2000, feb_1_2000, mar_1_2000, apr_1_2000]
+    actual_dates = []
+
+    @projector.project to: dec_31_2000 do |transaction|
+      actual_dates.push transaction.date
+    end
+
+    assert_equal expected_dates, actual_dates
+  end
+end
+
+class ProjectorAccountsTest < Minitest::Test
+  def setup
+    @projector = Projector.new from: jan_1_2000
+  end
+
+  def test_add_account_refuses_to_overwrite_account
+    @projector.add_account :checking, type: :asset
+    assert_raises Projector::AccountExists do
+      @projector.add_account :checking, type: :asset
+    end
+  end
+
+  def test_add_account_refuses_to_add_account_without_valid_type
+    assert_raises Projector::InvalidAccount do
+      @projector.add_account :checking, type: nil
+    end
+    assert_raises Projector::InvalidAccount do
+      @projector.add_account :checking, type: :foozle
+    end
+  end
+
+  def test_supplying_an_opening_balance
+    assert_equal 0, @projector.net_worth
+
+    @projector.add_account(
+      :checking,
+      open_date:       jan_1_2000,
+      opening_balance: 500,
+      type:            :asset,
+    )
+    refute_equal 0, @projector.balance
+
+    assert_raises Projector::InvalidAccount do
+      @projector.add_account(
+        :savings,
+        open_date:       jan_2_2000,
+        opening_balance: 500,
+        type:            :asset,
+      )
+    end
+
+    @projector.add_account(
+      :estate,
+      open_date:       jan_1_2000,
+      opening_balance: 500,
+      type:            :equity,
+    )
+    assert_equal 0, @projector.balance
+    assert_equal 500, @projector.net_worth
+  end
+
+  def test_accounts_must_be_balanced_to_run_projection
+    @projector.add_account(
+      :checking,
+      open_date:       jan_1_2000,
+      opening_balance: 500,
+      type:            :asset,
+    )
+    refute_equal 0, @projector.balance
+
+    assert_raises Projector::BalanceError do
+      @projector.project to: dec_31_2000
+    end
+  end
+
+  def test_add_accounts_passes_account_hashes_to_add_account
+    assert_equal [], @projector.accounts
+    @projector.accounts = { checking: { type: :asset } }
+    assert_equal [:checking], @projector.accounts
+  end
+end
+
+class ProjectorTransactionTest < Minitest::Test
+  def setup
+    @projector = Projector.new from: jan_1_2000
+    @projector.add_account :checking, type: :asset
+    @projector.add_account :nustartup_inc, type: :revenue
+  end
+
+  def test_single_transaction
+    add_simple_transaction
+
+    @projector.project to: dec_31_2000
+
+    assert_equal 1000, @projector.net_worth
+    assert_equal 1000, @projector.account_balance(:checking)
+    assert_equal 1000, @projector.account_balance(:nustartup_inc)
+  end
+
+  def test_scheduled_transaction
+    add_scheduled_transaction
+
+    @projector.project to: dec_31_2000
+
+    assert_equal 12000, @projector.net_worth
+    assert_equal 12000, @projector.account_balance(:checking)
+    assert_equal 12000, @projector.account_balance(:nustartup_inc)
+  end
+
+  def test_future_transaction
+    add_simple_transaction jan_1_2010
+
+    @projector.project to: dec_31_2000
+
+    assert_equal 0, @projector.net_worth
+  end
+
+  private
+
+  def add_scheduled_transaction date = jan_1_2000
+    @projector.add_transaction(
+      date: date,
+      credit: { amount: 1000, account_id: :nustartup_inc },
+      debit:  { amount: 1000, account_id: :checking      },
+      schedule: every_month,
+    )
+  end
+
+  def add_simple_transaction date = jan_1_2000
+    @projector.add_transaction(
+      date: date,
+      credit: { amount: 1000, account_id: :nustartup_inc },
+      debit:  { amount: 1000, account_id: :checking      },
+    )
+  end
+end

data/test/models/schedule_test.rb

@@ -0,0 +1,68 @@
+require 'test_helper'
+
+class ScheduledTransactionTest < Minitest::Test
+  def test_slice_does_not_return_leftover_if_ending_within_slice_date
+    @schedule = Schedule.new every_month until: dec_31_2000
+    _, leftover = @schedule.slice(jan_1_2000..dec_31_2000)
+    assert_nil leftover
+  end
+
+  def test_slice_returns_leftover_if_schedule_has_no_end
+    @schedule = Schedule.new every_month
+    _, leftover = @schedule.slice(jan_1_2000..dec_31_2000)
+    
+    expected_schedule = { scalar: 1, unit: :month }
+    assert_equal expected_schedule, leftover
+  end
+
+  def test_slice_returns_leftover_if_ending_after_slice_date
+    @schedule = Schedule.new every_month until: jun_30_2001
+    _, leftover = @schedule.slice(jan_1_2000..dec_31_2000)
+    
+    expected_schedule = { scalar: 1, unit: :month, count: 6 }
+    assert_equal expected_schedule, leftover
+  end
+
+  def test_slice_yields_advancing_dates
+    @schedule = Schedule.new every_month until: apr_15_2000
+
+    expected_dates = [jan_1_2000, feb_1_2000, mar_1_2000, apr_1_2000]
+    actual_dates, _ = @schedule.slice(jan_1_2000..apr_15_2000)
+    actual_dates.map! &:first
+
+    assert_equal expected_dates, actual_dates
+  end
+
+  def test_slice_prorates_final_period
+    @schedule = Schedule.new every_month until: apr_15_2000
+
+    expected_prorates = [1, 1, 1, 0.5]
+    actual_prorates, _ = @schedule.slice(jan_1_2000..dec_31_2000)
+    actual_prorates.map! &:last
+
+    assert_equal expected_prorates, actual_prorates
+  end
+
+  def test_handles_start_after_projection
+    @schedule = Schedule.new every_month(from: apr_1_2000, until: jun_15_2000)
+
+    expected_prorates = [1, 1, 0.5]
+    actual_prorates, _ = @schedule.slice(apr_1_2000..jun_15_2000)
+    actual_prorates.map! &:last
+
+    assert_equal expected_prorates, actual_prorates
+  end
+
+  def test_handles_start_during_range_and_end_after_range
+    @schedule = Schedule.new every_month(from: jun_16_2000, until: apr_15_2001)
+
+    expected_prorates = [1, 1, 1, 1, 1, 0.5 ]
+    expected_leftover = { scalar: 1, unit: :month, count: 4.5 }
+
+    actual_prorates, actual_leftover = @schedule.slice(jun_16_2000..nov_30_2000)
+    actual_prorates.map! &:last
+
+    assert_equal expected_prorates, actual_prorates
+    assert_equal expected_leftover, actual_leftover
+  end
+end

data/test/models/scheduled_transaction_test.rb

@@ -0,0 +1,47 @@
+require 'test_helper'
+
+class ScheduledTransactionTest < Minitest::Test
+  def setup
+    @chart = ChartOfAccounts.new
+    @chart.add_account :checking, type: :asset
+    @chart.add_account :job,      type: :revenue
+  end
+
+  def test_prorating
+    in_range, _ = scheduled_transaction.slice apr_15_2000
+    assert_equal [1000, 1000, 1000, 500], in_range.map { |t| t.credits.first.scalar }
+
+    in_range, _ = scheduled_transaction_with_percentage.slice apr_15_2000
+    assert_equal [0.25, 0.25, 0.25, 0.125], in_range.map { |t| t.credits.first.scalar }
+  end
+
+  def test_leftover
+    _, leftover = scheduled_transaction(apr_15_2000).slice apr_15_2000
+    assert_nil leftover
+
+    _, leftover = scheduled_transaction(apr_16_2000).slice apr_15_2000
+    refute_nil leftover
+
+    assert_equal apr_16_2000, leftover.date
+  end
+
+  private
+
+  def scheduled_transaction end_date = nil
+    ScheduledTransaction.new(
+      date: jan_1_2000,
+      debit:  { account_id: :checking, amount: 1000 },
+      credit: { account_id: :job,      amount: 1000 },
+      schedule: every_month(until: end_date),
+    )
+  end
+
+  def scheduled_transaction_with_percentage
+    ScheduledTransaction.new(
+      date: jan_1_2000,
+      debit:  { account_id: :checking, percent: 0.25, of: :job },
+      credit: { account_id: :job,      percent: 0.25, of: :job },
+      schedule: every_month,
+    )
+  end
+end

data/test/models/tax_calculator_test.rb

@@ -0,0 +1,145 @@
+require 'test_helper'
+
+class TaxCalculatorTest < Minitest::Test
+  def setup
+    @projector = Projector.new from: jan_1_2012
+    @projector.add_account :checking, type: :asset
+    @projector.add_account :job,      type: :revenue, tags: %i(salary)
+
+    @projector.add_transaction(
+      date: jan_1_2012,
+      credit: { amount: 6000, account_id: :job },
+      debit:  { amount: 6000, account_id: :checking },
+      schedule: every_month,
+    )
+    @projector.add_transaction(
+      date: jun_30_2013,
+      credit: { amount: 3000, account_id: :job },
+      debit:  { amount: 3000, account_id: :checking },
+    )
+  end
+
+  def test_basic_1040
+    @tax_calculator = TaxCalculator.new projector: @projector, household: single
+    calculation = @tax_calculator.calculate!
+
+    assert_equal 2012,    calculation.year
+    assert_equal 72000,   calculation.gross
+    assert_equal 72000,   calculation.total_income
+    assert_equal 0,       calculation.adjustments
+    assert_equal 72000,   calculation.agi
+    assert_equal 5950,    calculation.deduction
+    assert_equal 3800,    calculation.exemption
+    assert_equal 4068,    calculation.withholding_tax
+    assert_equal 62250,   calculation.taxable_income
+    assert_equal 11592.5, calculation.income_tax
+    assert_equal 15660.5, calculation.taxes
+    assert_equal 15660.5, calculation.taxes_owed
+    assert_equal 56339.5, calculation.net
+    assert_equal 21.75,   calculation.effective_rate
+  end
+
+  def test_basic_1040_with_withholding
+    @projector.add_transaction(
+      date: jan_1_2012,
+      credit: { amount: 1000, account_id: :checking },
+      debit:  { amount: 1000, account_id: TaxCalculator::EXPENSE_ACCOUNT_ID },
+      schedule: every_month,
+    )
+
+    @tax_calculator = TaxCalculator.new projector: @projector, household: single
+    calculation = @tax_calculator.calculate!
+    assert_equal 3660.5, calculation.taxes_owed
+  end
+
+  def test_basic_1040_married
+    @tax_calculator = TaxCalculator.new projector: @projector, household: married
+    calculation = @tax_calculator.calculate!
+
+    assert_equal 11900, calculation.deduction
+    assert_equal 3800 * 4, calculation.exemption
+  end
+
+  def test_charity_contribution
+    @projector.add_account :public_radio, type: :expense, tags: %i(501c)
+    @projector.add_transaction(
+      date: jun_30_2012,
+      debit:  { amount: 15000, account_id: :public_radio },
+      credit: { amount: 15000, account_id: :checking },
+    )
+    @tax_calculator = TaxCalculator.new projector: @projector, household: single
+    calculation = @tax_calculator.calculate!
+
+    assert_equal 15000, calculation.deduction
+  end
+
+  def test_basic_1040_2013
+    @projector = @projector.project to: dec_31_2012, build_next: true
+    @tax_calculator = TaxCalculator.new projector: @projector, household: single
+    calculation = @tax_calculator.calculate!
+
+    assert_equal 75000,  calculation.total_income
+    assert_equal 5737.5, calculation.withholding_tax
+  end
+
+  def test_hsa_deduction
+    @projector.add_account :hsa, type: :asset, tags: %i(hsa individual)
+    @tax_calculator = TaxCalculator.new projector: @projector, household: single
+    @projector.add_transaction(
+      date: jun_30_2012,
+      debit:  { amount: 4000, account_id: :hsa },
+      credit: { amount: 4000, account_id: :checking },
+    )
+    calculation = @tax_calculator.calculate!
+
+    assert_equal 72000, calculation.gross
+    assert_equal 72000, calculation.total_income
+    assert_equal 3100,  calculation.adjustments
+    assert_equal 68900, calculation.agi
+  end
+
+  def test_pretax_hsa_deduction
+    @projector.add_account :hsa, type: :asset, tags: %i(hsa family)
+    @projector.add_transaction(
+      date: jun_30_2012,
+      debit:  { amount: 7000, account_id: :hsa },
+      credit: { amount: 7000, account_id: :job },
+    )
+    @tax_calculator = TaxCalculator.new projector: @projector, household: single
+    calculation = @tax_calculator.calculate!
+
+    assert_equal 79000, calculation.gross
+    assert_equal 72000, calculation.total_income
+    assert_equal 0,     calculation.adjustments
+    assert_equal 72000, calculation.agi
+  end
+
+  def test_mortgage_interest_and_property_taxes_paid
+    @projector.add_account :interest, type: :expense, tags: %i(mortgage_interest)
+    @projector.add_account :property_taxes, type: :expense, tags: %i(property tax)
+    @projector.add_transaction(
+      date: jun_30_2012,
+      debit:  { amount: 7500, account_id: :interest },
+      credit: { amount: 7500, account_id: :job },
+    )
+    @projector.add_transaction(
+      date: jun_30_2012,
+      debit:  { amount: 5000, account_id: :property_taxes },
+      credit: { amount: 5000, account_id: :job },
+    )
+    @tax_calculator = TaxCalculator.new projector: @projector, household: single
+    calculation = @tax_calculator.calculate!
+
+    assert_equal 12500, calculation.deduction
+  end
+
+  private
+
+  def single
+    { filing_status: :single, exemptions: 1 }
+  end
+
+  def married
+    { filing_status: :married_filing_jointly, exemptions: 4 }
+  end
+end

data/test/models/transaction_entry_test.rb

@@ -0,0 +1,37 @@
+require 'test_helper'
+
+class TransactionEntryTest < Minitest::Test
+  def test_must_supply_type_of_debit_or_credit
+    assert_raises ArgumentError do
+      TransactionEntry.new credit_or_debit: :foo, amount: 1, account_id: :checking
+    end
+  end
+
+  def test_must_supply_a_nonzero_amount
+    assert_raises ArgumentError do
+      TransactionEntry.new credit_or_debit: :credit, amount: 0, account_id: :checking
+    end
+  end
+
+  def test_must_supply_an_account
+    assert_raises KeyError do
+      TransactionEntry.new credit_or_debit: :credit, amount: 1
+    end
+  end
+
+  def test_calculate_amount_sets_amount_and_delta
+    chart = ChartOfAccounts.new
+    chart.add_account :checking, type: :asset, opening_balance: 1000
+    chart.add_account :job, type: :revenue, opening_balance: 1000
+    
+    t1 = TransactionEntry.new credit_or_debit: :credit, amount: 1, account_id: :checking
+    t1.calculate chart
+    assert_equal 1, t1.amount
+    assert_equal -1, t1.delta
+
+    t2 = TransactionEntry.new credit_or_debit: :debit, percent: 0.5, of: :checking, account_id: :checking
+    t2.calculate chart
+    assert_equal 500, t2.amount
+    assert_equal 500, t2.delta
+  end
+end