// loan1.cpp. use function stubs for pieces of the program
#include <iostream>
using  namespace std;
double payment(double A, double r, int m); 	
void decide_loan(double m, double i);

int main() 
{   				
   double amount, rate, annual_income,
   monthly_payment;
   int months;

   //get inputs from loan applicant
   cout << "Amount of loan: $";
   cin >> amount;
   cout <<"annual interest rate (%): ";
   cin >> rate;
   cout << "Loan lifetime in months: ";
   cin >> months;
   cout << "Annual income : $";
   cin >> annual_income;

   //calculate monthly payment
    monthly_payment = payment(amount, 0.01*rate, months);

   //approve/deny loan, then display decision
   decide_loan(monthly_payment, annual_income);

   return 0;
}
double payment(double A, double r, int m)
{
   return 0;
}
void decide_loan(double m, double i)
{
}