Sales financial validations (#1079)

* Include shared validations in sales log model and run validate_numeric_min_max method

* Add non london hard max income validation

* Add london income validation

* Remove child vlidation because buyer cannot be a child

* Add income1_value_check column

* Add buyer_1_income_value_check question and page

* Update income1_under_soft_min?

* Add mortgage and value check column

* Add mortgage value check page

* Update mortgage_over_soft_max? in soft validateions

* Remove unused error message

app/models/form/sales/pages/buyer1_income_value_check.rb

@@ -0,0 +1,21 @@
+class Form::Sales::Pages::Buyer1IncomeValueCheck < ::Form::Page
+  def initialize(id, hsh, subsection)
+    super
+    @id = "buyer_1_income_value_check"
+    @header = ""
+    @description = ""
+    @subsection = subsection
+    @depends_on = [
+      {
+        "income1_under_soft_min?" => true,
+      },
+    ]
+    @informative_text = {}
+  end
+
+  def questions
+    @questions ||= [
+      Form::Sales::Questions::Buyer1IncomeValueCheck.new(nil, nil, self),
+    ]
+  end
+end

app/models/form/sales/pages/mortgage_value_check.rb

@@ -0,0 +1,21 @@
+class Form::Sales::Pages::MortgageValueCheck < ::Form::Page
+  def initialize(id, hsh, subsection)
+    super
+    @id = "mortgage_value_check"
+    @header = ""
+    @description = ""
+    @subsection = subsection
+    @depends_on = [
+      {
+        "mortgage_over_soft_max?" => true,
+      },
+    ]
+    @informative_text = {}
+  end
+
+  def questions
+    @questions ||= [
+      Form::Sales::Questions::MortgageValueCheck.new(nil, nil, self),
+    ]
+  end
+end

app/models/form/sales/questions/buyer1_income.rb

@@ -7,6 +7,7 @@ class Form::Sales::Questions::Buyer1Income < ::Form::Question
     @type = "numeric"
     @page = page
     @min = 0
+    @max = 999_999
     @step = 1
     @width = 5
     @prefix = "£"

app/models/form/sales/questions/buyer1_income_value_check.rb

@@ -0,0 +1,25 @@
+class Form::Sales::Questions::Buyer1IncomeValueCheck < ::Form::Question
+  def initialize(id, hsh, page)
+    super
+    @id = "income1_value_check"
+    @check_answer_label = "Income confirmation"
+    @header = "Are you sure this income is correct?"
+    @type = "interruption_screen"
+    @answer_options = {
+      "0" => { "value" => "Yes" },
+      "1" => { "value" => "No" },
+    }
+    @hidden_in_check_answers = {
+      "depends_on" => [
+        {
+          "income1_value_check" => 0,
+        },
+        {
+          "income1_value_check" => 1,
+        },
+      ],
+    }
+    @check_answers_card_number = 1
+    @page = page
+  end
+end

app/models/form/sales/questions/mortgage_value_check.rb

@@ -0,0 +1,25 @@
+class Form::Sales::Questions::MortgageValueCheck < ::Form::Question
+  def initialize(id, hsh, page)
+    super
+    @id = "mortgage_value_check"
+    @check_answer_label = "Mortgage confirmation"
+    @header = "Are you sure that the mortgage is more than 5 times the income used for the mortgage application?"
+    @type = "interruption_screen"
+    @answer_options = {
+      "0" => { "value" => "Yes" },
+      "1" => { "value" => "No" },
+    }
+    @hidden_in_check_answers = {
+      "depends_on" => [
+        {
+          "mortgage_value_check" => 0,
+        },
+        {
+          "mortgage_value_check" => 1,
+        },
+      ],
+    }
+    @check_answers_card_number = 1
+    @page = page
+  end
+end

app/models/form/sales/subsections/income_benefits_and_savings.rb

@@ -10,8 +10,10 @@ class Form::Sales::Subsections::IncomeBenefitsAndSavings < ::Form::Subsection
   def pages
     @pages ||= [
       Form::Sales::Pages::Buyer1Income.new(nil, nil, self),
+      Form::Sales::Pages::Buyer1IncomeValueCheck.new(nil, nil, self),
       Form::Sales::Pages::Buyer1Mortgage.new(nil, nil, self),
       Form::Sales::Pages::Buyer2Income.new(nil, nil, self),
+      Form::Sales::Pages::MortgageValueCheck.new(nil, nil, self),
       Form::Sales::Pages::Savings.new(nil, nil, self),
       Form::Sales::Pages::PreviousOwnership.new(nil, nil, self),
     ]

app/models/sales_log.rb

@@ -1,5 +1,7 @@
 class SalesLogValidator < ActiveModel::Validator
   include Validations::Sales::HouseholdValidations
+  include Validations::SharedValidations
+  include Validations::Sales::FinancialValidations
 
   def validate(record)
     validation_methods = public_methods.select { |method| method.starts_with?("validate_") }
@@ -9,6 +11,7 @@ end
 
 class SalesLog < Log
   include DerivedVariables::SalesLogVariables
+  include Validations::Sales::SoftValidations
 
   self.inheritance_column = :_type_disabled
 
@@ -60,4 +63,52 @@ class SalesLog < Log
   def unresolved
     false
   end
+
+  LONDON_BOROUGHS = %w[
+    E09000001
+    E09000033
+    E09000020
+    E09000013
+    E09000032
+    E09000022
+    E09000028
+    E09000030
+    E09000012
+    E09000019
+    E09000007
+    E09000005
+    E09000009
+    E09000018
+    E09000027
+    E09000021
+    E09000024
+    E09000029
+    E09000008
+    E09000006
+    E09000023
+    E09000011
+    E09000004
+    E09000016
+    E09000002
+    E09000026
+    E09000025
+    E09000031
+    E09000014
+    E09000010
+    E09000003
+    E09000015
+    E09000017
+  ].freeze
+
+  def london_property?
+    la && LONDON_BOROUGHS.include?(la)
+  end
+
+  def income1_used_for_mortgage?
+    inc1mort == 1
+  end
+
+  def income2_used_for_mortgage?
+    inc2mort == 1
+  end
 end

app/models/validations/sales/financial_validations.rb

@@ -0,0 +1,14 @@
+module Validations::Sales::FinancialValidations
+  # Validations methods need to be called 'validate_<page_name>' to run on model save
+  # or 'validate_' to run on submit as well
+
+  def validate_income1(record)
+    if record.ecstat1 && record.income1 && record.ownershipsch == 1
+      if record.london_property?
+        record.errors.add :income1, I18n.t("validations.financial.income1.over_hard_max", hard_max: 90_000) if record.income1 > 90_000
+      elsif record.income1 > 80_000
+        record.errors.add :income1, I18n.t("validations.financial.income1.over_hard_max", hard_max: 80_000)
+      end
+    end
+  end
+end

app/models/validations/sales/soft_validations.rb

@@ -0,0 +1,23 @@
+module Validations::Sales::SoftValidations
+  ALLOWED_INCOME_RANGES = {
+    1 => OpenStruct.new(soft_min: 5000),
+    2 => OpenStruct.new(soft_min: 1500),
+    3 => OpenStruct.new(soft_min: 1000),
+    5 => OpenStruct.new(soft_min: 2000),
+    0 => OpenStruct.new(soft_min: 2000),
+  }.freeze
+
+  def income1_under_soft_min?
+    return false unless ecstat1 && income1 && ALLOWED_INCOME_RANGES[ecstat1]
+
+    income1 < ALLOWED_INCOME_RANGES[ecstat1][:soft_min]
+  end
+
+  def mortgage_over_soft_max?
+    return false unless mortgage && inc1mort && inc2mort
+    return false if income1_used_for_mortgage? && income1.blank? || income2_used_for_mortgage? && income2.blank?
+
+    income_used_for_mortgage = (income1_used_for_mortgage? ? income1 : 0) + (income2_used_for_mortgage? ? income2 : 0)
+    mortgage > income_used_for_mortgage * 5
+  end
+end

config/locales/en.yml

@@ -201,6 +201,8 @@ en:
         under_hard_min: "Net income cannot be less than £%{hard_min} per week given the tenant’s working situation"
         freq_missing: "Select how often the household receives income"
         earnings_missing: "Enter how much income the household has in total"
+      income1:
+        over_hard_max: "Income must be lower than £%{hard_max}"
       negative_currency: "Enter an amount above 0"
       rent:
         less_than_shortfall: "Enter an amount that is more than the shortfall in basic rent"

db/migrate/20221212161657_add_details_known1_to_sales_log.rb

@@ -1,5 +1,7 @@
 class AddDetailsKnown1ToSalesLog < ActiveRecord::Migration[7.0]
+  def change
     change_table :sales_logs, bulk: true do |t|
       t.column :details_known_1, :integer
     end
+  end
 end

db/migrate/20221213085819_add_mortgage_and_value_checks.rb

@@ -0,0 +1,10 @@
+class AddMortgageAndValueChecks < ActiveRecord::Migration[7.0]
+  def change
+    change_table :sales_logs, bulk: true do |t|
+      t.column :income1_value_check, :integer
+      t.column :mortgage, :integer
+      t.column :inc2mort, :integer
+      t.column :mortgage_value_check, :integer
+    end
+  end
+end

db/schema.rb

@@ -10,7 +10,7 @@
 #
 # It's strongly recommended that you check this file into your version control system.
 
-ActiveRecord::Schema[7.0].define(version: 2022_12_12_161657) do
+ActiveRecord::Schema[7.0].define(version: 2022_12_13_085819) do
   # These are extensions that must be enabled in order to support this database
   enable_extension "plpgsql"
 
@@ -404,6 +404,10 @@ ActiveRecord::Schema[7.0].define(version: 2022_12_12_161657) do
     t.integer "prevown"
     t.string "sex3"
     t.integer "details_known_1"
+    t.integer "income1_value_check"
+    t.integer "mortgage"
+    t.integer "inc2mort"
+    t.integer "mortgage_value_check"
     t.index ["created_by_id"], name: "index_sales_logs_on_created_by_id"
     t.index ["managing_organisation_id"], name: "index_sales_logs_on_managing_organisation_id"
     t.index ["owning_organisation_id"], name: "index_sales_logs_on_owning_organisation_id"

spec/factories/sales_log.rb

@@ -56,11 +56,13 @@ FactoryBot.define do
       inc1mort { 1 }
       income2nk { 0 }
       income2 { 10_000 }
+      inc2mort { 1 }
       la_known { "1" }
       la { "E09000003" }
       savingsnk { 1 }
       prevown { 1 }
       sex3 { "X" }
+      mortgage { 20_000 }
     end
   end
 end

spec/models/form/sales/pages/buyer1_income_value_check_spec.rb

@@ -0,0 +1,33 @@
+require "rails_helper"
+
+RSpec.describe Form::Sales::Pages::Buyer1IncomeValueCheck, type: :model do
+  subject(:page) { described_class.new(page_id, page_definition, subsection) }
+
+  let(:page_id) { nil }
+  let(:page_definition) { nil }
+  let(:subsection) { instance_double(Form::Subsection) }
+
+  it "has correct subsection" do
+    expect(page.subsection).to eq(subsection)
+  end
+
+  it "has correct questions" do
+    expect(page.questions.map(&:id)).to eq(%w[income1_value_check])
+  end
+
+  it "has the correct id" do
+    expect(page.id).to eq("buyer_1_income_value_check")
+  end
+
+  it "has the correct header" do
+    expect(page.header).to eq("")
+  end
+
+  it "has correct depends_on" do
+    expect(page.depends_on).to eq([
+      {
+        "income1_under_soft_min?" => true,
+      },
+    ])
+  end
+end

spec/models/form/sales/pages/mortgage_value_check_spec.rb

@@ -0,0 +1,33 @@
+require "rails_helper"
+
+RSpec.describe Form::Sales::Pages::MortgageValueCheck, type: :model do
+  subject(:page) { described_class.new(page_id, page_definition, subsection) }
+
+  let(:page_id) { nil }
+  let(:page_definition) { nil }
+  let(:subsection) { instance_double(Form::Subsection) }
+
+  it "has correct subsection" do
+    expect(page.subsection).to eq(subsection)
+  end
+
+  it "has correct questions" do
+    expect(page.questions.map(&:id)).to eq(%w[mortgage_value_check])
+  end
+
+  it "has the correct id" do
+    expect(page.id).to eq("mortgage_value_check")
+  end
+
+  it "has the correct header" do
+    expect(page.header).to eq("")
+  end
+
+  it "has correct depends_on" do
+    expect(page.depends_on).to eq([
+      {
+        "mortgage_over_soft_max?" => true,
+      },
+    ])
+  end
+end

spec/models/form/sales/questions/buyer1_income_spec.rb

@@ -54,4 +54,8 @@ RSpec.describe Form::Sales::Questions::Buyer1Income, type: :model do
   it "has the correct check_answers_card_number" do
     expect(question.check_answers_card_number).to eq(1)
   end
+
+  it "has correct max" do
+    expect(question.max).to eq(999_999)
+  end
 end

spec/models/form/sales/questions/buyer1_income_value_check_spec.rb

@@ -0,0 +1,61 @@
+require "rails_helper"
+
+RSpec.describe Form::Sales::Questions::Buyer1IncomeValueCheck, type: :model do
+  subject(:question) { described_class.new(question_id, question_definition, page) }
+
+  let(:question_id) { nil }
+  let(:question_definition) { nil }
+  let(:page) { instance_double(Form::Page) }
+
+  it "has correct page" do
+    expect(question.page).to eq(page)
+  end
+
+  it "has the correct id" do
+    expect(question.id).to eq("income1_value_check")
+  end
+
+  it "has the correct header" do
+    expect(question.header).to eq("Are you sure this income is correct?")
+  end
+
+  it "has the correct check_answer_label" do
+    expect(question.check_answer_label).to eq("Income confirmation")
+  end
+
+  it "has the correct type" do
+    expect(question.type).to eq("interruption_screen")
+  end
+
+  it "is not marked as derived" do
+    expect(question.derived?).to be false
+  end
+
+  it "has the correct hint" do
+    expect(question.hint_text).to be_nil
+  end
+
+  it "has a correct check_answers_card_number" do
+    expect(question.check_answers_card_number).to eq(1)
+  end
+
+  it "has the correct answer_options" do
+    expect(question.answer_options).to eq({
+      "0" => { "value" => "Yes" },
+      "1" => { "value" => "No" },
+    })
+  end
+
+  it "has the correct hidden_in_check_answers" do
+    expect(question.hidden_in_check_answers).to eq({
+      "depends_on" => [
+        {
+          "income1_value_check" => 0,
+        },
+        {
+          "income1_value_check" => 1,
+        },
+      ],
+    })
+  end
+end

spec/models/form/sales/questions/mortgage_value_check_spec.rb

@@ -0,0 +1,61 @@
+require "rails_helper"
+
+RSpec.describe Form::Sales::Questions::MortgageValueCheck, type: :model do
+  subject(:question) { described_class.new(question_id, question_definition, page) }
+
+  let(:question_id) { nil }
+  let(:question_definition) { nil }
+  let(:page) { instance_double(Form::Page) }
+
+  it "has correct page" do
+    expect(question.page).to eq(page)
+  end
+
+  it "has the correct id" do
+    expect(question.id).to eq("mortgage_value_check")
+  end
+
+  it "has the correct header" do
+    expect(question.header).to eq("Are you sure that the mortgage is more than 5 times the income used for the mortgage application?")
+  end
+
+  it "has the correct check_answer_label" do
+    expect(question.check_answer_label).to eq("Mortgage confirmation")
+  end
+
+  it "has the correct type" do
+    expect(question.type).to eq("interruption_screen")
+  end
+
+  it "is not marked as derived" do
+    expect(question.derived?).to be false
+  end
+
+  it "has the correct hint" do
+    expect(question.hint_text).to be_nil
+  end
+
+  it "has a correct check_answers_card_number" do
+    expect(question.check_answers_card_number).to eq(1)
+  end
+
+  it "has the correct answer_options" do
+    expect(question.answer_options).to eq({
+      "0" => { "value" => "Yes" },
+      "1" => { "value" => "No" },
+    })
+  end
+
+  it "has the correct hidden_in_check_answers" do
+    expect(question.hidden_in_check_answers).to eq({
+      "depends_on" => [
+        {
+          "mortgage_value_check" => 0,
+        },
+        {
+          "mortgage_value_check" => 1,
+        },
+      ],
+    })
+  end
+end

spec/models/form/sales/subsections/income_benefits_and_savings_spec.rb

@@ -15,8 +15,10 @@ RSpec.describe Form::Sales::Subsections::IncomeBenefitsAndSavings, type: :model
     expect(subsection.pages.map(&:id)).to eq(
       %w[
         buyer_1_income
+        buyer_1_income_value_check
         buyer_1_mortgage
         buyer_2_income
+        mortgage_value_check
         savings
         previous_ownership
       ],

spec/models/form_handler_spec.rb

@@ -52,14 +52,14 @@ RSpec.describe FormHandler do
     it "is able to load a current sales form" do
       form = form_handler.get_form("current_sales")
       expect(form).to be_a(Form)
-      expect(form.pages.count).to eq(51)
+      expect(form.pages.count).to eq(53)
       expect(form.name).to eq("2022_2023_sales")
     end
 
     it "is able to load a previous sales form" do
       form = form_handler.get_form("previous_sales")
       expect(form).to be_a(Form)
-      expect(form.pages.count).to eq(51)
+      expect(form.pages.count).to eq(53)
       expect(form.name).to eq("2021_2022_sales")
     end
   end

spec/models/validations/sales/financial_validations_spec.rb

@@ -0,0 +1,56 @@
+require "rails_helper"
+
+RSpec.describe Validations::Sales::FinancialValidations do
+  subject(:financial_validator) { validator_class.new }
+
+  let(:validator_class) { Class.new { include Validations::Sales::FinancialValidations } }
+
+  describe "income validations" do
+    let(:record) { FactoryBot.create(:sales_log, ownershipsch: 1) }
+
+    context "with shared ownership" do
+      context "and non london borough" do
+        (0..8).each do |ecstat|
+          it "adds an error when buyer 1 income is over hard max for ecstat #{ecstat}" do
+            record.income1 = 85_000
+            record.ecstat1 = ecstat
+            financial_validator.validate_income1(record)
+            expect(record.errors["income1"])
+                .to include(match I18n.t("validations.financial.income1.over_hard_max", hard_max: 80_000))
+          end
+        end
+
+        it "validates that the income is within the expected range for the tenant’s employment status" do
+          record.income1 = 75_000
+          record.ecstat1 = 1
+          financial_validator.validate_income1(record)
+          expect(record.errors["income1"]).to be_empty
+        end
+      end
+
+      context "and a london borough" do
+        before do
+          record.update!(la: "E09000030")
+          record.reload
+        end
+
+        (0..8).each do |ecstat|
+          it "adds an error when buyer 1 income is over hard max for ecstat #{ecstat}" do
+            record.income1 = 95_000
+            record.ecstat1 = ecstat
+            financial_validator.validate_income1(record)
+            expect(record.errors["income1"])
+                .to include(match I18n.t("validations.financial.income1.over_hard_max", hard_max: 90_000))
+          end
+        end
+
+        it "validates that the income is within the expected range for the tenant’s employment status" do
+          record.income1 = 85_000
+          record.ecstat1 = 1
+          financial_validator.validate_income1(record)
+          expect(record.errors["income1"]).to be_empty
+        end
+      end
+    end
+  end
+end

spec/models/validations/sales/soft_validations_spec.rb

@@ -0,0 +1,204 @@
+require "rails_helper"
+
+RSpec.describe Validations::Sales::SoftValidations do
+  let(:record) { FactoryBot.create(:sales_log) }
+
+  describe "income1 min validations" do
+    context "when validating soft min" do
+      it "returns false if no income1 is given" do
+        record.income1 = nil
+        expect(record)
+          .not_to be_income1_under_soft_min
+      end
+
+      it "returns false if no ecstat1 is given" do
+        record.ecstat1 = nil
+        expect(record)
+          .not_to be_income1_under_soft_min
+      end
+
+      [
+        {
+          income1: 4500,
+          ecstat1: 1,
+        },
+        {
+          income1: 1400,
+          ecstat1: 2,
+        },
+        {
+          income1: 999,
+          ecstat1: 3,
+        },
+        {
+          income1: 1899,
+          ecstat1: 5,
+        },
+        {
+          income1: 1888,
+          ecstat1: 0,
+        },
+      ].each do |test_case|
+        it "returns true if income1 is below soft min for ecstat1 #{test_case[:ecstat1]}" do
+          record.income1 = test_case[:income1]
+          record.ecstat1 = test_case[:ecstat1]
+          expect(record)
+            .to be_income1_under_soft_min
+        end
+      end
+
+      [
+        {
+          income1: 5001,
+          ecstat1: 1,
+        },
+        {
+          income1: 1600,
+          ecstat1: 2,
+        },
+        {
+          income1: 1004,
+          ecstat1: 3,
+        },
+        {
+          income1: 2899,
+          ecstat1: 4,
+        },
+        {
+          income1: 2899,
+          ecstat1: 5,
+        },
+        {
+          income1: 5,
+          ecstat1: 6,
+        },
+        {
+          income1: 10_888,
+          ecstat1: 0,
+        },
+      ].each do |test_case|
+        it "returns false if income1 is over soft min for ecstat1 #{test_case[:ecstat1]}" do
+          record.income1 = test_case[:income1]
+          record.ecstat1 = test_case[:ecstat1]
+          expect(record)
+            .not_to be_income1_under_soft_min
+        end
+      end
+    end
+  end
+
+  describe "mortgage amount validations" do
+    context "when validating soft max" do
+      it "returns false if no mortgage is given" do
+        record.mortgage = nil
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns false if no inc1mort is given" do
+        record.inc1mort = nil
+        record.mortgage = 20_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns false if no inc2mort is given" do
+        record.inc1mort = 2
+        record.inc2mort = nil
+        record.mortgage = 20_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns false if no income1 is given and inc1mort is yes" do
+        record.inc1mort = 1
+        record.inc2mort = 2
+        record.income1 = nil
+        record.mortgage = 20_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns false if no income2 is given and inc2mort is yes" do
+        record.inc1mort = 2
+        record.inc2mort = 1
+        record.income2 = nil
+        record.mortgage = 20_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns true if only income1 is used for morgage and it is less than 1/5 of the morgage" do
+        record.inc1mort = 1
+        record.income1 = 10_000
+        record.mortgage = 51_000
+        record.inc2mort = 2
+        expect(record)
+          .to be_mortgage_over_soft_max
+      end
+
+      it "returns false if only income1 is used for morgage and it is more than 1/5 of the morgage" do
+        record.inc1mort = 1
+        record.income1 = 10_000
+        record.mortgage = 44_000
+        record.inc2mort = 2
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns true if only income2 is used for morgage and it is less than 1/5 of the morgage" do
+        record.inc1mort = 2
+        record.inc2mort = 1
+        record.income2 = 10_000
+        record.mortgage = 51_000
+        expect(record)
+          .to be_mortgage_over_soft_max
+      end
+
+      it "returns false if only income2 is used for morgage and it is more than 1/5 of the morgage" do
+        record.inc1mort = 2
+        record.inc2mort = 1
+        record.income2 = 10_000
+        record.mortgage = 44_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns true if income1 and income2 are used for morgage and their sum is less than 1/5 of the morgage" do
+        record.inc1mort = 1
+        record.inc2mort = 1
+        record.income1 = 10_000
+        record.income2 = 10_000
+        record.mortgage = 101_000
+        expect(record)
+          .to be_mortgage_over_soft_max
+      end
+
+      it "returns false if income1 and income2 are used for morgage and their sum is more than 1/5 of the morgage" do
+        record.inc1mort = 1
+        record.inc2mort = 1
+        record.income1 = 8_000
+        record.income2 = 17_000
+        record.mortgage = 124_000
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+
+      it "returns true if neither of the incomes are used for morgage and the morgage is more than 0" do
+        record.inc1mort = 2
+        record.inc2mort = 2
+        record.mortgage = 124_000
+        expect(record)
+          .to be_mortgage_over_soft_max
+      end
+
+      it "returns true if neither of the incomes are used for morgage and the morgage is 0" do
+        record.inc1mort = 2
+        record.inc2mort = 2
+        record.mortgage = 0
+        expect(record)
+          .not_to be_mortgage_over_soft_max
+      end
+    end
+  end
+end