/* dela upp betalningen uträkning */	
	function KreditorWrapper()
	{
		this.calculatePeriodicCost = function (params)
		{
			var dailyRate = js_dailyrate(params.ratePercent);
			var monthPayment = js_calc_monthpayment(params.sum + params.initialFee, dailyRate, params.months);
			return Math.round(monthPayment + params.paymentFee);
		}

		function js_dailyrate(rate){
			return Math.pow(((rate/10000) + 1), (1 / 365.25));
		}
		
		function js_calc_monthpayment(sum, dailyrate, months){
			var dates = 0;
			var totdates = ((months -1) * 30);
			var denom = js_calc_denom(dailyrate, totdates);
			totdates = totdates + 60;
			return ((Math.pow(dailyrate, totdates) * sum) / denom);
		}
		
		function js_calc_denom(dailyrate, totdates){
			var sum = 1;
			var startdates = 0;
			while (totdates > startdates){
				startdates = startdates + 30;
				sum = (sum + Math.pow(dailyrate, startdates));
			}
			return sum;
		}
	}