'; }// ==================== BUSINESS OUTPUT ==================== function businessOutput(d, region, mgmtMode) { var p = d.profit, cum = 0; for (var t = 1; t 0 ? d.profit / d.price * 100 : 0;// ---- 01 VALUATION ---- var val = valuation(d.profit, d.sector, d.region, risk, d.growth, mgmt); var mult = multiple(d.sector, d.region, risk, d.growth, d.profit, mgmt); $("vVal").textContent = fmt(val); $("vRange").textContent = "Range: " + fmt(val * 0.80) + " – " + fmt(val * 1.22); $("vMult").textContent = mult.toFixed(2) + "×"; $("vMultDetail").textContent = REGION_NAME[d.region] + " base " + REGION[d.region].toFixed(2) + " × " + IND_NAME[d.sector] + " " + IND[d.sector].toFixed(2) + " × growth " + growthF(d.growth).toFixed(2) + " × risk " + RISKM[risk].toFixed(2) + " × size " + sizeF(d.profit).toFixed(2) + " × mgmt " + mgmtF(mgmt).toFixed(2); $("vYield").textContent = yld.toFixed(1) + "%"; $("vPb").textContent = d.profit > 0 ? (d.price / d.profit).toFixed(1) + " yrs" : "—"; $("vMargin").textContent = d.price > 0 ? (d.profit / d.price * 100).toFixed(1) + "%" : "—";var gap = val - d.price; var gapPct = d.price > 0 ? (gap / d.price * 100) : 0; $("vGap").textContent = (gap >= 0 ? "+" : "") + fmtPct(gapPct / 100, 1); $("vGap").className = gap >= 0 ? "v green" : "v red";var rating = "PASS"; var ratingClass = "badge-red"; if (gapPct >= 15) { rating = "STRONG BUY"; ratingClass = "badge-green"; } else if (gapPct >= 5) { rating = "BUY"; ratingClass = "badge-green"; } else if (gapPct >= -5) { rating = "NEGOTIATE"; ratingClass = "badge-gold"; } else if (gapPct >= -15) { rating = "OVERPRICED"; ratingClass = "badge-red"; } $("vRating").innerHTML = '' + rating + '';// Valuation breakdown bars var vb = $("valBreakdown"); vb.innerHTML = ""; var baseVal = d.profit * REGION[d.region]; var afterIndustry = baseVal * IND[d.sector]; var afterGrowth = afterIndustry * growthF(d.growth); var afterRisk = afterGrowth * RISKM[risk]; var afterSize = afterRisk * sizeF(d.profit); var finalVal = afterSize * mgmtF(mgmt); var steps = [ { n: "Base (" + REGION_NAME[d.region] + ")", v: baseVal, c: "#3a6b86" }, { n: "+ Industry (" + IND_NAME[d.sector] + ")", v: afterIndustry, c: "#2f7d8c" }, { n: "+ Growth (" + d.growth + "%)", v: afterGrowth, c: "#7d5bd6" }, { n: "+ Risk (" + risk + ")", v: afterRisk, c: "#c98a1a" }, { n: "+ Size factor", v: afterSize, c: "#c08a2d" }, { n: "+ Management (" + (mgmt === "managed" ? "managed" : "owner") + ")", v: finalVal, c: "#1f7a5c" } ]; var vmx = Math.max.apply(null, steps.map(function(s){ return s.v; })); steps.forEach(function(s, i) { bar(vb, s.n, "AED " + fmt(s.v), s.v, vmx, s.c, i === steps.length - 1); });// ---- 02 DEAL FINDER ---- var dealData = generateDeals(d); var dt = $("dealRows"); dt.innerHTML = ""; dealData.forEach(function(deal) { var roi = deal.price > 0 ? (deal.profit / deal.price * 100).toFixed(1) : "0"; var statusClass = deal.status === "Active" ? "pos" : (deal.status === "Urgent" ? "neg" : ""); dt.innerHTML += '' + deal.platform + '' + deal.title + '' + fmt(deal.price) + '' + fmt(deal.profit) + '' + deal.industry + '' + deal.emirate + '' + roi + '%' + deal.status + 'View'; });// ---- 03 partnership COMPARISON ---- var biz = businessOutput(d, d.region, mgmt); var gold = totalCost * Math.pow(1.085, d.years); var oil = totalCost * Math.pow(1.10, d.years); // volatile var stock = totalCost * Math.pow(1.095, d.years); var dep = totalCost * Math.pow(1.048, d.years); var re = totalCost * Math.pow(1.072, d.years); var car = totalCost * Math.pow(0.90, d.years);var io = [ { n: "This Business", s: "profit + exit", v: biz.total, c: "#c08a2d", r: (risk === "low" ? 18 : (risk === "med" ? 28 : 42)), liquid: "Low" }, { n: "Global Equities", s: "~10%", v: stock, c: "#1f7a5c", r: 16, liquid: "High" }, { n: "Dubai Real Estate", s: "~7.5%", v: re, c: "#2f7d8c", r: 12, liquid: "Medium" }, { n: "Gold", s: "~8.5%", v: gold, c: "#caa53c", r: 18, liquid: "High" }, { n: "Oil", s: "~10% (volatile)", v: oil, c: "#8a5f1a", r: 32, liquid: "High" }, { n: "Deposit/Sukuk", s: "~4.8%", v: dep, c: "#6c7a85", r: 1, liquid: "High" }, { n: "Luxury Car", s: "~−10%", v: car, c: "#b4452f", r: 5, liquid: "Low" } ]; var imx = Math.max.apply(null, io.map(function(o){ return o.v; }), 1); var iwin = io.reduce(function(a, b){ return b.v > a.v ? b : a; }); var ib = $("iBars"); ib.innerHTML = ""; io.forEach(function(o){ bar(ib, o.n, o.s, o.v, imx, o.c, o === iwin); });var rar = (yld + d.growth) / (risk === "low" ? 22 : (risk === "med" ? 32 : 48)); var stockRar = 10 / 16; var t = $("iTag"), x = $("iTxt"); if (d.growth = stockRar * 1.15) { t.className = "badge badge-green"; t.textContent = "✅ WORTH IT (Accepting Risk)"; x.innerHTML = "Risk-adjusted return (" + rar.toFixed(2) + ") beats equities (" + stockRar.toFixed(2) + ") and payback is ~" + (d.profit > 0 ? (d.price / d.profit).toFixed(1) : "—") + " yrs. Higher return comes with higher risk and lower liquidity."; } else if (rar >= stockRar * 0.9) { t.className = "badge badge-gold"; t.textContent = "⚖️ CONDITIONAL"; x.textContent = "Risk-adjusted return is close to the market. Worth it only if you buy below value or can lift growth/margin significantly."; } else { t.className = "badge badge-red"; t.textContent = "❌ NOT WORTH IT"; x.textContent = "Risk-adjusted return is below market. Either negotiate price down by " + Math.abs(gapPct).toFixed(0) + "% or find a better deal."; }// Scatter plot renderScatter(io);// Comparison table var ct = $("compareRows"); ct.innerHTML = ""; io.forEach(function(o) { var annRet = Math.pow(o.v / totalCost, 1/d.years) - 1; var riskAdj = annRet / (o.r / 10); var taxImpact = o.n === "This Business" ? "9% (0% up to 375K)" : (o.n === "Global Equities" ? "15% CGT" : (o.n === "Dubai Real Estate" ? "5% VAT + 4% transfer" : "0-5%")); var verdict = o === iwin ? "★ BEST" : (annRet > 0.08 ? "Good" : (annRet > 0.04 ? "Fair" : "Poor")); var vClass = o === iwin ? "best" : (annRet' + o.n + '' + fmt(o.v) + '' + fmtPct(annRet, 1) + '' + o.r + '%' + o.liquid + '' + riskAdj.toFixed(2) + '' + taxImpact + '' + verdict + ''; });// ---- 04 CAPITAL INCREASE ---- var capPct = +$("capPct").value || 0; var capAmt = +$("capAmt").value || 0; var inj = capAmt > 0 ? capAmt : d.price * capPct / 100; var hurdle = 0.10; var reqYield = yld / 100; var target15 = 0.15, target20 = 0.20;$("capKpis").innerHTML = '' + '' + '';var crt = $("capRows"); crt.innerHTML = ""; [10, 25, 50, 100, 200].forEach(function(pc) { var x = d.price * pc / 100; var newCap = d.price + x; var profitCurrent = x * reqYield; var profitMarket = x * hurdle; var profit15 = x * target15; var profit20 = x * target20; var breakeven = reqYield > 0 ? (x / (d.profit + profitCurrent) * 12).toFixed(1) : "—"; crt.innerHTML += '+' + pc + '%' + fmt(newCap) + '' + fmt(profitCurrent) + '' + fmt(profitMarket) + '' + fmt(profit15) + '' + fmt(profit20) + '' + breakeven + ' mo'; });$("capVerdict").className = "verdict" + (reqYield >= hurdle ? "" : " warn"); $("capVerdict").innerHTML = reqYield >= hurdle ? "✅ Capital injection makes sense. Your current commercial allocation where applicable(" + yld.toFixed(1) + "%) beats the market hurdle (10%). For this injection of " + fmt(inj) + ", you must generate at least " + fmt(inj * reqYield) + " in extra annual profit. If the new capital earns 15%, that's " + fmt(inj * 0.15) + "/yr. If it earns 20%, that's " + fmt(inj * 0.20) + "/yr — a 2× return on the injection itself." : "⚠️ Capital injection is risky. Your current commercial allocation where applicable(" + yld.toFixed(1) + "%) is below the market hurdle (10%). Every extra dirham must return at least 10% — otherwise that money is better in equities or real estate. Focus on improving current operations before expanding.";// Capital scenarios var cs = $("capScenarios"); cs.innerHTML = ""; var scenarios = [ { pct: 25, label: "Conservative (+25%)", desc: "Small expansion, same team" }, { pct: 50, label: "Moderate (+50%)", desc: "New location or product line" }, { pct: 100, label: "Aggressive (+100%)", desc: "Full expansion, new market" } ]; scenarios.forEach(function(sc) { var amt = d.price * sc.pct / 100; var need = amt * Math.max(reqYield, hurdle); var need15 = amt * 0.15; cs.innerHTML += ''; });// ---- 05 GLOBAL TAX ---- var uaeTaxable = Math.max(0, d.profit - 375000); var uaeTax = uaeTaxable * 0.09; var uaeNet = d.profit - uaeTax; var usaNet = d.profit * 0.79; var ukNet = d.profit * 0.75; var gerNet = d.profit * 0.70; var indNet = d.profit * 0.65; var worldNet = d.profit * 0.76;var TAX = [ ["UAE 🇦🇪 (9%)", uaeNet, "#1f7a5c"], ["USA 🇺🇸 (21%)", usaNet, "#3a6b86"], ["UK 🇬🇧 (25%)", ukNet, "#7d5bd6"], ["Germany 🇩🇪 (30%)", gerNet, "#c98a1a"], ["India 🇮🇳 (~35%)", indNet, "#b4452f"], ["World Avg (~24%)", worldNet, "#9aa6ad"] ]; var tmx = Math.max.apply(null, TAX.map(function(o){ return o[1]; }), 1); var wt = $("wtBars"); wt.innerHTML = ""; TAX.forEach(function(o, i) { bar(wt, o[0], "net profit", o[1], tmx, o[2], i === 0); });var advVsAvg = Math.round((uaeNet / worldNet - 1) * 100); var advVsUsa = Math.round((uaeNet / usaNet - 1) * 100); $("wtNote").innerHTML = "Net profit in UAE: " + fmt(uaeNet) + " — roughly " + advVsAvg + "% more than world average (~24%) and " + advVsUsa + "% more than USA (21%). This tax edge feeds directly into valuation. Over " + d.years + " years, tax savings alone add " + fmt((uaeNet - worldNet) * d.years) + " to your wealth. (VAT 5% separate; free zones can be 0%.)";$("taxUaeNet").textContent = fmt(uaeNet); $("taxWorldNet").textContent = fmt(worldNet); $("taxAdvantage").textContent = fmt(uaeNet - worldNet) + "/yr"; $("taxMultiplier").textContent = mult.toFixed(1); $("taxYears").textContent = d.years; $("taxTotal").textContent = fmt((uaeNet - worldNet) * d.years * mult);// ---- 06 REAL ESTATE vs BUSINESS ---- var rePrice = +$("rePrice").value || d.price; var reYield = +$("reYield").value || 7; var reGrowth = +$("reGrowth").value || 5; var reService = +$("reService").value || 15; var reVacancy = +$("reVacancy").value || 5; var reMortgage = +$("reMortgage").value || 0;var grossRent = rePrice * (reYield / 100); var netRent = grossRent * (1 - reService / 100) * (1 - reVacancy / 100); var reAppreciation = rePrice * Math.pow(1 + reGrowth / 100, d.years); var reTotal = netRent * d.years + reAppreciation; var reNetYield = rePrice > 0 ? (netRent / rePrice * 100) : 0;$("reBizOutput").textContent = fmt(biz.total); $("reBizYield").textContent = yld.toFixed(1) + "%"; $("reBizRisk").textContent = risk === "low" ? "Low-Medium" : (risk === "med" ? "Medium" : "High"); $("reBizTax").textContent = "9% (0% to 375K)"; $("reBizLiquid").textContent = "Low (6-12 mo)";$("rePropOutput").textContent = fmt(reTotal); $("rePropYield").textContent = reNetYield.toFixed(1) + "%"; $("rePropRisk").textContent = "Low-Medium"; $("rePropTax").textContent = "4% transfer + 5% VAT"; $("rePropLiquid").textContent = "Medium (2-6 mo)";var reGap = biz.total - reTotal; var reGapPct = reTotal > 0 ? (reGap / reTotal * 100) : 0; $("reVerdict").className = "verdict" + (reGap > 0 ? "" : " warn"); $("reVerdict").innerHTML = reGap > 0 ? "✅ Business wins by " + fmt(reGap) + " (" + reGapPct.toFixed(0) + "%) over " + d.years + " years. Real estate offers stability and tangible asset, but the business generates " + fmt(biz.cumProfit) + " in cumulative profit plus " + fmt(biz.exitValue) + " exit value. If you prefer passive, stable income with lower risk → real estate. If you want maximum wealth creation and can handle operational risk → business." : "⚠️ Real estate wins by " + fmt(Math.abs(reGap)) + " over " + d.years + " years. Your business deal may be overpriced or underperforming. Consider: (1) negotiating price down, (2) improving profit margins, or (3) diversifying into real estate.";// ---- 07 VEHICLE REALITY ---- var carPrice = +$("carPrice").value || 500000; var carDeprec = +$("carDeprec").value || 12; var carCost = +$("carCost").value || 25000; var carValue = carPrice * Math.pow(1 - carDeprec / 100, d.years); var carTotalCost = carCost * d.years; var carNet = carValue - carTotalCost; var carLoss = carPrice - carNet;var carBars = $("carBars"); carBars.innerHTML = ""; var carMax = Math.max(carPrice, Math.abs(carNet), biz.total, gold); bar(carBars, "Initial vehicle cost", "AED " + fmt(carPrice), carPrice, carMax, "#6c7a85", false); bar(carBars, "Vehicle value after " + d.years + " yrs", "depreciated", carValue, carMax, "#9aa6ad", false); bar(carBars, "Maintenance + insurance", "total cost", carTotalCost, carMax, "#b4452f", false); bar(carBars, "Net vehicle position", "value - costs", carNet, carMax, "#8a2e1d", false); bar(carBars, "Same money in business", "profit + exit", biz.total, carMax, "#c08a2d", true); bar(carBars, "Same money in gold", "~8%/yr", gold, carMax, "#caa53c", false);$("carVerdict").className = "verdict" + (carNet Vehicle depreciation reality: A " + fmt(carPrice) + " vehicle loses " + fmt(carLoss) + " over " + d.years + " years (" + fmtPct(carLoss / carPrice / d.years, 1) + " annually). The same " + fmt(carPrice) + " in this business would return " + fmt(biz.total) + " — a " + (biz.total / Math.abs(carNet)).toFixed(1) + "× difference. Vehicles are consumption, not partnership. If you need a vehicle for the business, lease or buy used to minimize capital drag.";// ---- 08 ROADMAP ---- $("roadGrowth").textContent = d.growth; var rm = $("roadmapGrid"); rm.innerHTML = ""; var targets = [2, 3, 4, 5, 6]; var currentMult = biz.total / totalCost; targets.forEach(function(tgt) { var isCurrent = currentMult >= tgt && currentMult 0 ? (Math.log(tgt) / Math.log(1 + d.growth / 100)).toFixed(1) : "∞"; var extraCap = d.price * (tgt - 1); var items = [ tgt === 2 ? "Hire 1-2 key staff" : (tgt === 3 ? "Open 2nd location" : (tgt === 4 ? "Franchise model" : (tgt === 5 ? "Regional expansion" : "IPO / Strategic sale"))), tgt === 2 ? "Systemize operations" : (tgt === 3 ? "New revenue line" : (tgt === 4 ? "M&A target" : (tgt === 5 ? "Digital platform" : "International markets"))), tgt === 2 ? "Manager in place" : (tgt === 3 ? "Capital: " + fmt(extraCap) : (tgt === 4 ? "Team: 15-20 people" : (tgt === 5 ? "Brand licensing" : "Exit at " + (tgt * mult).toFixed(1) + "×"))) ]; rm.innerHTML += ''; });// ---- 09 MANAGEMENT ---- var ooProfit = d.profit; var ooVal = valuation(ooProfit, d.sector, d.region, "high", d.growth, "owner"); var mgProfit = Math.max(0, d.profit - d.mgr); var mgVal = valuation(mgProfit, d.sector, d.region, "low", d.growth, "managed");$("oo_income").textContent = fmt(ooProfit); $("oo_exit").textContent = fmt(ooVal); $("oo_mult").textContent = multiple(d.sector, d.region, "high", d.growth, ooProfit, "owner").toFixed(2) + "×"; $("mg_income").textContent = fmt(mgProfit); $("mg_exit").textContent = fmt(mgVal); $("mg_mult").textContent = multiple(d.sector, d.region, "low", d.growth, mgProfit, "managed").toFixed(2) + "×";var exitGap = ooVal > 0 ? Math.round((mgVal - ooVal) / ooVal * 100) : 0; var incGap = fmt(ooProfit - mgProfit); $("mgmtVerdict").className = "verdict" + (mgVal >= ooVal ? "" : " warn"); $("mgmtVerdict").innerHTML = mgVal >= ooVal ? "✅ Managed wins. You pocket " + incGap + " less per year, but you go passive and the exit value is " + exitGap + "% higher. If your goal is freedom, lifestyle, and a richer exit → hire a manager. The business becomes a true asset, not a job." : "⚠️ Owner-run wins on cash. Without a manager you pocket " + incGap + " more per year, but you work 40-60 hrs/week. The business depends on you, so it sells for less. If you want maximum cash now and enjoy operations → run it yourself. Plan to systemize within 2 years.";// ---- 10 CONSULTATION ---- $("recPhone").textContent = d.price = 1000000 && d.price 5000000 ? "Recommended for you ✓" : "";// ---- 11 REPORT ---- $("repDate").textContent = new Date().toLocaleDateString("en-GB", { day: '2-digit', month: 'short', year: 'numeric' }); var recCons = d.price > 5000000 ? "an in-person meeting" : (d.price >= 1000000 ? "an online deep-dive" : "a phone consultation");var repHTML = "partnership Opportunity Summary

" + "Deal Parameters: " + IND_NAME[d.sector] + " in " + REGION_NAME[d.region] + " · Price " + fmt(d.price) + " · Profit " + fmt(d.profit) + "/yr · Growth " + d.growth + "% · " + d.years + "-year horizon

" + "Valuation: " + fmt(val) + " (" + mult.toFixed(2) + "× multiple) · Range " + fmt(val * 0.80) + " – " + fmt(val * 1.22) + "
" + "Deal Rating: " + rating + " · " + (gap >= 0 ? "Underpriced by " + fmtPct(gapPct / 100, 1) : "Overpriced by " + fmtPct(Math.abs(gapPct) / 100, 1)) + "
" + "Earnings Yield: " + yld.toFixed(1) + "% · Payback: " + (d.profit > 0 ? (d.price / d.profit).toFixed(1) : "—") + " yrs

" + "" + d.years + "-Year Output Comparison:
" + "• Business (" + REGION_NAME[d.region] + "): " + fmt(biz.total) + " (cumulative profit " + fmt(biz.cumProfit) + " + exit " + fmt(biz.exitValue) + ")
" + "• Global Equities: " + fmt(stock) + " · Gold: " + fmt(gold) + "
" + "• Dubai Real Estate: " + fmt(re) + " · Deposits: " + fmt(dep) + "

" + "Management Strategy:
" + "• Owner-run: Income " + fmt(ooProfit) + "/yr · Exit " + fmt(ooVal) + " · " + multiple(d.sector, d.region, "high", d.growth, ooProfit, "owner").toFixed(2) + "×
" + "• Managed: Income " + fmt(mgProfit) + "/yr · Exit " + fmt(mgVal) + " · " + multiple(d.sector, d.region, "low", d.growth, mgProfit, "managed").toFixed(2) + "×
" + "• Exit value difference: " + Math.abs(exitGap) + "% " + (mgVal >= ooVal ? "higher with manager" : "higher owner-run") + "

" + "Tax Advantage (UAE): Net profit " + fmt(uaeNet) + " vs world average " + fmt(worldNet) + " · " + advVsAvg + "% more after-tax wealth

" + "Capital Increase: At current yield, every 100% capital increase needs " + fmt(d.price * reqYield) + " extra profit/yr to maintain returns

" + "Recommended Next Step: " + recCons + "

" + "";$("repBody").innerHTML = repHTML; window.__rep = repHTML.replace(/]+>/g, ' ').replace(/\s+/g, ' ').trim(); }// ==================== SCATTER PLOT ==================== function renderScatter(data) { var container = $("scatterPlot"); var legend = $("scatterLegend"); // Clear existing points (keep axes) var points = container.querySelectorAll('.scatter-point'); points.forEach(function(p){ p.remove(); });var maxRet = Math.max.apply(null, data.map(function(o){ var ret = Math.pow(o.v / (o.n === "This Business" ? 2120000 : 2120000), 1/5) - 1; return ret * 100; })); var maxRisk = Math.max.apply(null, data.map(function(o){ return o.r; }));data.forEach(function(o) { var ret = Math.pow(o.v / 2120000, 1/5) - 1; var x = (ret * 100 / maxRet) * 80 + 10; // 10-90% width var y = 90 - (o.r / maxRisk) * 80; // 10-90% height var point = document.createElement('div'); point.className = 'scatter-point'; point.style.left = x + '%'; point.style.top = y + '%'; point.style.background = o.c; point.setAttribute('data-label', o.n + ': ' + (ret * 100).toFixed(1) + '% ret, ' + o.r + '% risk'); container.appendChild(point); });legend.innerHTML = data.map(function(o){ return ''; }).join(''); }// ==================== DEAL GENERATOR ==================== function generateDeals(d) { var platforms = ["Dubizzle", "Bayut", "Property Finder", "Businessbay", "Gulf Business", "LinkedIn"]; var industries = ["Services", "F&B", "Retail", "E-commerce", "Healthcare", "Trading", "SaaS"]; var emirates = ["Dubai", "Abu Dhabi", "Sharjah", "Ajman"]; var statuses = ["Active", "Urgent", "Under Offer", "New"]; var deals = []; for (var i = 0; i " + map[cons] + " consultation booked!
We'll contact you on WhatsApp within 24 hours. (Lead → CRM)"; });$("cSave").addEventListener("click", function() { $("cMsg").style.color = "var(--blue)"; $("cMsg").textContent = "Analysis saved to your account. Access anytime."; });$("cShare").addEventListener("click", function() { if (navigator.share) { navigator.share({ title: "UAE partnership Analysis", text: window.__rep || "", url: window.location.href }); } else { $("cMsg").style.color = "var(--blue)"; $("cMsg").textContent = "Report link copied to clipboard."; } });$("repCopy").addEventListener("click", function() { if (navigator.clipboard) navigator.clipboard.writeText(window.__rep || ""); $("repCopy").textContent = "Copied ✓"; setTimeout(function(){ $("repCopy").textContent = "Copy Report Text"; }, 2000); });$("repEmail").addEventListener("click", function() { var subject = "UAE partnership Analysis - Globex Horizon"; var body = window.__rep || ""; window.location.href = "mailto:?subject=" + encodeURIComponent(subject) + "&body=" + encodeURIComponent(body); });// Smooth scroll for nav links document.querySelectorAll('a[href^="#"]').forEach(function(a) { a.addEventListener('click', function(e) { e.preventDefault(); var target = document.querySelector(this.getAttribute('href')); if (target) target.scrollIntoView({ behavior: 'smooth', block: 'start' }); }); });// Initial calculation calc(); })();