- unless u.flash.blank?
  = u.flash
  ~ "\n------"
  ~ "\n"

- if u.surplus > 0  
  - if u.spending_goal_today == 0
    = "You have spent your budget for today."
  - elsif u.spending_goal_today > 0
    = "You can spend #{money(u.spending_goal_today)} today."
  - elsif u.spending_goal_today < 0
    = "You have spent your budget for today, plus an additional #{money(u.spending_goal_today * -1)}."
  
  - if u.days_left > 1
    ~ "\n"
    = "If you #{u.spent_today <= 0 ? "don't spend anything" : "only spend #{money(u.spent_today)}"} today, you will have"
    = "  #{money(u.surplus / u.days_left)} to spend each day."
    = "  #{money((u.surplus / u.days_left) * 7)} to spend each week."
    = "  #{money(u.surplus)} to spend over the next #{days(u.days_left)}."

- elsif u.total_left > 0
  = "You should not spend any money #{"for the next #{days(u.days_left)} " if u.days_left > 0}if you want to continue to save #{money(u.total_left)}."
  - if u.days_left > 1
    ~ "\n"
    = "If you wish to spend into your savings this month, you can afford to spend"
    = "  #{money(u.total_left / u.days_left)} each day."
    = "  #{money((u.total_left / u.days_left) * 7)} each week."
    = "  #{money(u.total_left)} over the next #{days(u.days_left)}."

- elsif u.total_left == 0  
  = "You should not spend any money #{"for the next #{days(u.days_left)} " if u.days_left > 0}if you want to avoid going into debt."
- else
  = "You need to earn #{money(u.total_left / u.days_left_including_today * -1)} today."
  - if u.days_left > 0
    ~ "\n"
    = "Continue to do so for the next #{days(u.days_left)} to avoid going into debt."
  ~ "\n"
  If you do not, Sum will temporarily decrease your spending money for next month to account for the debt.

- if u.surplus_for_period > 0
  ~ "\n"
  = "You have saved #{money(u.surplus_for_period)} more than expected for a #{u.days_passed_including_today} day period."

- elsif u.surplus_for_period < 0
  ~ "\n"
  = "You have spent #{money(u.surplus_for_period * -1)} more than expected for a #{u.days_passed_including_today} day period."

- else
  ~ "\n"
  = "You have spent exactly as expected for a #{u.days_passed_including_today} day period."

~ "\n------"
~ "\n"

= "Fiscal month: #{u.beginning_of_month.strftime("%m/%d/%y")} to #{u.reset_at.strftime("%m/%d/%y")} (#{u.days_in_month} days)"

- if u.recent_transactions
  ~ "\n"
  = "Last #{u.recent_transactions.length == 1 ? "transaction" : "#{u.recent_transactions.length} transactions"}:"
  - u.recent_transactions.compact.each do |amount|
    = "  #{money(amount * -1)}"
    
~ "\n------"
~ "\n"

Reply to this email with the word "stop" to stop receiving emails, or "start" to begin receiving them again.
~ "\n"
Every time you spend money or use the ATM, don't forget to email the dollar amount to sum@sumapp.com.
~ "\n"
Use the form at http://sumapp.com to update the values used to calculate this budget.