[lmi-commits] [lmi] master f03ff64 10/15: Merge first two notes pages of regular individual illustrations

[Greg Chicares]

branch: master
commit f03ff64d38f29e8599ae9d26e508dbabf7ee0feb
Author: Vadim Zeitlin <address@hidden>
Commit: Gregory W. Chicares <address@hidden>

    Merge first two notes pages of regular individual illustrations
    
    The separation of the first part of explanatory notes in 2 different
    pages was a work around for lack of pagination in the illustration
    generation code and doesn't need to be done any longer now that
    pagination is supported, so merge the contents of reg_d_indiv_notes2.mst
    template into reg_d_indiv_notes1.mst and remove the latter.
    
    However the file with this name still exists, as it is the new name of
    reg_d_indiv_notes3.mst, which was renamed to keep the numbers
    consecutive, and kept separate for compatibility with the XSL-FO-based
    illustrations where the contents of this template was explicitly kept on
    a separate page.
---
 ledger_pdf_generator_wx.cpp |   1 -
 reg_d_indiv_notes1.mst      |  30 +++++++
 reg_d_indiv_notes2.mst      | 152 +++++++++++++++++++++++++++++++++---
 reg_d_indiv_notes3.mst      | 186 --------------------------------------------
 4 files changed, 171 insertions(+), 198 deletions(-)

diff --git a/ledger_pdf_generator_wx.cpp b/ledger_pdf_generator_wx.cpp
index d72f03b..41ca460 100644
--- a/ledger_pdf_generator_wx.cpp
+++ b/ledger_pdf_generator_wx.cpp
@@ -2834,7 +2834,6 @@ class pdf_illustration_reg_d_individual : public 
pdf_illustration
         add<reg_d_individual_curr>();
         add<standard_page>("reg_d_indiv_notes1");
         add<standard_page>("reg_d_indiv_notes2");
-        add<standard_page>("reg_d_indiv_notes3");
         if(invar.SupplementalReport)
             {
             add<standard_supplemental_report>
diff --git a/reg_d_indiv_notes1.mst b/reg_d_indiv_notes1.mst
index 27ecdeb..ea87e87 100644
--- a/reg_d_indiv_notes1.mst
+++ b/reg_d_indiv_notes1.mst
@@ -135,4 +135,34 @@ money manager (if any).
 <b>Premium Outlay:</b> &nbsp; {{OutlayFootnote}}
 </p>
 
+<br></br>
+<br></br>
+
+<p>
+<font size="+1"><b><u>Separate Account</u></b></font>
+</p>
+
+<p>
+{{HypotheticalRatesFootnote}}
+</p>
+
+<br></br>
+<br></br>
+
+<p>
+<font size="+1"><b><u>Withdrawals and Policy Loans</u></b></font>
+</p>
+
+<p>
+If applicable, withdrawals and policy loans will appear on a
+supplemental report at the end of the illustration. Withdrawals
+and policy loans are assumed to be taken at the beginning of the
+applicable policy year. The illustration and supplemental report
+reflect a fixed policy loan interest rate of {{InitAnnLoanDueRate}}.
+</p>
+
+<p>
+{{LoanAndWithdrawalFootnote}}
+</p>
+
 </font>
diff --git a/reg_d_indiv_notes2.mst b/reg_d_indiv_notes2.mst
index 7f7c327..f8d1adb 100644
--- a/reg_d_indiv_notes2.mst
+++ b/reg_d_indiv_notes2.mst
@@ -27,30 +27,160 @@
 <font size="-1">
 
 <p>
-<font size="+1"><b><u>Separate Account</u></b></font>
+<font size="+1"><b><u>Important Tax Disclosures</u></b></font>
 </p>
 
 <p>
-{{HypotheticalRatesFootnote}}
+The definition of life insurance elected for this policy is
+{{#DefnLifeInsIsGPT}}
+    the guideline premium test. The guideline single premium
+    is ${{InitGSP}}
+    and the guideline level premium
+    is ${{InitGLP}}.
+{{/DefnLifeInsIsGPT}}
+{{^DefnLifeInsIsGPT}}
+    the cash value accumulation test.
+{{/DefnLifeInsIsGPT}}
 </p>
 
-<br></br>
-<br></br>
+<p>
+The initial 7-pay premium limit is ${{InitSevenPayPrem}}.
+As illustrated, this policy
+{{#IsMec}}
+    fails
+{{/IsMec}}
+{{^IsMec}}
+    passes
+{{/IsMec}}
+the seven-pay test defined in Section 7702A
+of the Internal Revenue Code and therefore
+{{#IsMec}}
+    becomes a Modified Endowment Contract (MEC)
+    in policy year {{MecYearPlus1}}.
+{{/IsMec}}
+{{^IsMec}}
+    is not a Modified Endowment Contract (MEC). Subsequent changes
+    to the policy, including but not limited to increases
+    and decreases in premiums or benefits, may cause the policy
+    to be retested and may result in the policy becoming a MEC.
+{{/IsMec}}
+</p>
 
 <p>
-<font size="+1"><b><u>Withdrawals and Policy Loans</u></b></font>
+If a policy is a MEC, withdrawals and policy loans are taxed to
+the extent of any gain in the policy, and an additional penalty
+tax may apply to the taxable portion of the distribution.
 </p>
 
 <p>
-If applicable, withdrawals and policy loans will appear on a
-supplemental report at the end of the illustration. Withdrawals
-and policy loans are assumed to be taken at the beginning of the
-applicable policy year. The illustration and supplemental report
-reflect a fixed policy loan interest rate of {{InitAnnLoanDueRate}}.
+<b>
+The information provided in this illustration is not written or
+intended as tax or legal advice and may not be relied on for
+purposes of avoiding any federal tax penalties.
+{{InsCoShortName}}, its employees
+and representatives are not authorized to give tax or legal advice.
+Individuals are encouraged to seek advice from their own tax or
+legal counsel.
+</b>
+</p>
+
+{{^IsInforce}}
+
+<br>
+<br>
+<br>
+
+<p align="center">
+<font size="+2"><b>Certification Statements</b></font>
 </p>
 
 <p>
-{{LoanAndWithdrawalFootnote}}
+<br>
+<br>
+POLICY OWNER / APPLICANT<br>
+
+I have received a copy of this illustration, and I understand
+that any non-guaranteed charges illustrated are subject
+to change and could be either higher or lower. Additionally,
+I have been informed by my agent that these values
+are not guaranteed.
 </p>
 
+<br>
+<br>
+<br>
+<br>
+
+<table cellspacing="0" cellpadding="0" valign="top">
+    <tr>
+        <td>
+            <u>{{Space64}}{{Space32}}</u>
+        </td>
+        <td>
+            {{Space32}}
+        </td>
+        <td>
+            <u>{{Space32}}</u>
+        </td>
+    </tr>
+    <tr>
+        <td>
+            POLICY OWNER OR APPLICANT SIGNATURE
+        </td>
+        <td>
+            {{Space32}}
+        </td>
+        <td>
+            DATE
+        </td>
+    </tr>
+</table>
+
+<br>
+<br>
+<br>
+<br>
+<br>
+
+<p>
+AGENT / AUTHORIZED REPRESENTATIVE<br>
+
+I certify that this illustration has been presented
+to the applicant, and that I have explained that any
+non-guaranteed charges illustrated are subject to change. I have
+made no statements that are inconsistent with the illustration.
+</p>
+
+<br>
+<br>
+<br>
+<br>
+
+<table cellspacing="0" cellpadding="0" valign="top">
+    <tr>
+        <td>
+            <u>{{Space64}}{{Space32}}</u>
+        </td>
+        <td>
+            {{Space32}}
+        </td>
+        <td>
+            <u>{{Space32}}</u>
+        </td>
+    </tr>
+    <tr>
+        <td>
+            AGENT OR AUTHORIZED REPRESENTATIVE
+        </td>
+        <td>
+            {{Space32}}
+        </td>
+        <td>
+            DATE
+        </td>
+    </tr>
+</table>
+
+{{/IsInforce}}
+
 </font>
diff --git a/reg_d_indiv_notes3.mst b/reg_d_indiv_notes3.mst
deleted file mode 100644
index f8d1adb..0000000
--- a/reg_d_indiv_notes3.mst
+++ /dev/null
@@ -1,186 +0,0 @@
-{{!
-    Copyright (C) 2017, 2018 Gregory W. Chicares.
-
-    This program is free software; you can redistribute it and/or modify
-    it under the terms of the GNU General Public License version 2 as
-    published by the Free Software Foundation.
-
-    This program is distributed in the hope that it will be useful,
-    but WITHOUT ANY WARRANTY; without even the implied warranty of
-    MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the
-    GNU General Public License for more details.
-
-    You should have received a copy of the GNU General Public License
-    along with this program; if not, write to the Free Software Foundation,
-    Inc., 51 Franklin St, Fifth Floor, Boston, MA 02110-1301, USA
-
-    http://savannah.nongnu.org/projects/lmi
-    email: <address@hidden>
-    snail: Chicares, 186 Belle Woods Drive, Glastonbury CT 06033, USA
-}}
-
-{{! No header on this page, but still use the logo. }}
-<scaled_image inv_factor="0.36" src="company_logo.png"></scaled_image>
-
-<p align="center"><font size="+1"><b>Explanatory Notes</b></font></p>
-
-<font size="-1">
-
-<p>
-<font size="+1"><b><u>Important Tax Disclosures</u></b></font>
-</p>
-
-<p>
-The definition of life insurance elected for this policy is
-{{#DefnLifeInsIsGPT}}
-    the guideline premium test. The guideline single premium
-    is ${{InitGSP}}
-    and the guideline level premium
-    is ${{InitGLP}}.
-{{/DefnLifeInsIsGPT}}
-{{^DefnLifeInsIsGPT}}
-    the cash value accumulation test.
-{{/DefnLifeInsIsGPT}}
-</p>
-
-<p>
-The initial 7-pay premium limit is ${{InitSevenPayPrem}}.
-As illustrated, this policy
-{{#IsMec}}
-    fails
-{{/IsMec}}
-{{^IsMec}}
-    passes
-{{/IsMec}}
-the seven-pay test defined in Section 7702A
-of the Internal Revenue Code and therefore
-{{#IsMec}}
-    becomes a Modified Endowment Contract (MEC)
-    in policy year {{MecYearPlus1}}.
-{{/IsMec}}
-{{^IsMec}}
-    is not a Modified Endowment Contract (MEC). Subsequent changes
-    to the policy, including but not limited to increases
-    and decreases in premiums or benefits, may cause the policy
-    to be retested and may result in the policy becoming a MEC.
-{{/IsMec}}
-</p>
-
-<p>
-If a policy is a MEC, withdrawals and policy loans are taxed to
-the extent of any gain in the policy, and an additional penalty
-tax may apply to the taxable portion of the distribution.
-</p>
-
-<p>
-<b>
-The information provided in this illustration is not written or
-intended as tax or legal advice and may not be relied on for
-purposes of avoiding any federal tax penalties.
-{{InsCoShortName}}, its employees
-and representatives are not authorized to give tax or legal advice.
-Individuals are encouraged to seek advice from their own tax or
-legal counsel.
-</b>
-</p>
-
-{{^IsInforce}}
-
-<br>
-<br>
-<br>
-
-<p align="center">
-<font size="+2"><b>Certification Statements</b></font>
-</p>
-
-<p>
-<br>
-<br>
-POLICY OWNER / APPLICANT<br>
-
-I have received a copy of this illustration, and I understand
-that any non-guaranteed charges illustrated are subject
-to change and could be either higher or lower. Additionally,
-I have been informed by my agent that these values
-are not guaranteed.
-</p>
-
-<br>
-<br>
-<br>
-<br>
-
-<table cellspacing="0" cellpadding="0" valign="top">
-    <tr>
-        <td>
-            <u>{{Space64}}{{Space32}}</u>
-        </td>
-        <td>
-            {{Space32}}
-        </td>
-        <td>
-            <u>{{Space32}}</u>
-        </td>
-    </tr>
-    <tr>
-        <td>
-            POLICY OWNER OR APPLICANT SIGNATURE
-        </td>
-        <td>
-            {{Space32}}
-        </td>
-        <td>
-            DATE
-        </td>
-    </tr>
-</table>
-
-<br>
-<br>
-<br>
-<br>
-<br>
-
-<p>
-AGENT / AUTHORIZED REPRESENTATIVE<br>
-
-I certify that this illustration has been presented
-to the applicant, and that I have explained that any
-non-guaranteed charges illustrated are subject to change. I have
-made no statements that are inconsistent with the illustration.
-</p>
-
-<br>
-<br>
-<br>
-<br>
-
-<table cellspacing="0" cellpadding="0" valign="top">
-    <tr>
-        <td>
-            <u>{{Space64}}{{Space32}}</u>
-        </td>
-        <td>
-            {{Space32}}
-        </td>
-        <td>
-            <u>{{Space32}}</u>
-        </td>
-    </tr>
-    <tr>
-        <td>
-            AGENT OR AUTHORIZED REPRESENTATIVE
-        </td>
-        <td>
-            {{Space32}}
-        </td>
-        <td>
-            DATE
-        </td>
-    </tr>
-</table>
-
-{{/IsInforce}}
-
-</font>