ff_akz_vf_post_graph.m

%% Graph Cash-on-Hand Tomorrow, Value, Policy given (A,K,Z) States Today (Risky + Safe Asset)
% *back to <https://fanwangecon.github.io Fan>'s
% <https://fanwangecon.github.io/CodeDynaAsset/ Dynamic Assets Repository>
% Table of Content.*

%%
function ff_akz_vf_post_graph(varargin)
%% FF_AKZ_VF_POST_GRAPH genereate 4 sets of graphs
% Generates three graphs:
%
% # Cash-On-Hand Tomorrow given Cash-on-Hand Today
% # Value Function Graph
% # Policy Function Consumption and Asset Choices, Level and log
% # Consumption and Asset as Percentages
%
% Run this function directly with randomly generates matrixes for graphs
% and tables.
%
% @param param_map container parameter container
%
% @param support_map container support container
%
% @param armt_map container container with states, choices and shocks grids
% that are inputs for grid based solution algorithm
%
% @param result_map container contains policy function matrix, value
% function matrix, iteration results; als coh consumption and other
% matrixes
%
% @example
%
%    ff_akz_vf_post_graph(param_map, support_map, armt_map, func_map,
%    result_map);
%
% @include
%
% * <https://fanwangecon.github.io/CodeDynaAsset/m_akz/paramfunc/html/ffs_akz_set_default_param.html ffs_akz_set_default_param>
% * <https://fanwangecon.github.io/CodeDynaAsset/m_akz/paramfunc/html/ffs_akz_get_funcgrid.html ffs_akz_get_funcgrid>
%

%% Default

params_len = length(varargin);
bl_input_override = 0;
if (params_len == 6)
    bl_input_override = varargin{6};
end

if (bl_input_override)
    % if invoked from outside overrid fully
    [param_map, support_map, armt_map, func_map, result_map, ~] = varargin{:};
else
    clear all;
    close all;

    % internal invoke for testing
    it_param_set = 1;
    bl_input_override = true;

    % Get Parameters
    [param_map, support_map] = ffs_akz_set_default_param(it_param_set);
    [armt_map, func_map] = ffs_akz_get_funcgrid(param_map, support_map, bl_input_override); % 1 for override

    % Generate Default val and policy matrixes
    params_group = values(armt_map, {'ar_a_meshk', 'ar_k_mesha', 'ar_z', 'mt_coh_wkb'});
    [ar_a_meshk, ar_k_mesha, ar_z, mt_coh_wkb] = params_group{:};
    params_group = values(func_map, {'f_util_standin', 'f_cons', 'f_coh'});
    [f_util_standin, f_cons, f_coh] = params_group{:};

    % Set Defaults
    mt_val = f_util_standin(ar_z, ar_a_meshk, ar_k_mesha);
    mt_pol_aksum = mt_coh_wkb.*(cumsum(sort(ar_z))/sum(ar_z)*0.4 + 0.4);
    mt_pol_a = mt_pol_aksum.*(0.7 - cumsum(sort(ar_z))/sum(ar_z)*0.3);
    mt_pol_k = mt_pol_aksum - mt_pol_a;
    mt_cons = f_cons(mt_coh_wkb, mt_pol_a, mt_pol_k);
    mt_coh = f_coh(ar_z, ar_a_meshk, ar_k_mesha);

    % Set Results Map
    result_map = containers.Map('KeyType','char', 'ValueType','any');
    result_map('mt_val') = mt_val;
    result_map('cl_mt_pol_a') = {mt_pol_a, zeros(1)};
    result_map('cl_mt_pol_k') = {mt_pol_k, zeros(1)};
    result_map('cl_mt_cons') = {mt_cons, zeros(1)};
    result_map('cl_mt_coh') = {mt_coh, zeros(1)};

end

%% Parse Parameters

% Get Model Name
params_group = values(param_map, {'st_model'});
[st_model] = params_group{:};
% param_map
params_group = values(param_map, {'it_z_n', 'fl_w_max'});
[it_z_n, fl_w_max] = params_group{:};

% support_map
params_group = values(support_map, {'bl_graph_onebyones', 'bl_graph_val', 'bl_graph_pol_lvl', 'bl_graph_pol_pct', 'bl_graph_coh_t_coh'});
[bl_graph_onebyones, bl_graph_val, bl_graph_pol_lvl, bl_graph_pol_pct, bl_graph_coh_t_coh] = params_group{:};
params_group = values(support_map, {'bl_img_save', 'st_img_path', 'st_img_prefix', 'st_img_name_main', 'st_img_suffix'});
[bl_img_save, st_img_path, st_img_prefix, st_img_name_main, st_img_suffix] = params_group{:};
params_group = values(support_map, {'st_title_prefix'});
[st_title_prefix] = params_group{:};

% armt_map
params_group = values(armt_map, {'mt_coh_wkb', 'ar_a_meshk'});
[mt_coh_wkb, ar_a_meshk] = params_group{:};
if (ismember(st_model, ["ipwkbzr"]))
    params_group = values(armt_map, {'ar_z_r_borr_mesh_wage_w1r2', 'ar_z_wage_mesh_r_borr_w1r2'});
    [ar_z_r_borr_mesh_wage_w1r2, ar_z_wage_mesh_r_borr_w1r2] = params_group{:};
    params_group = values(param_map, {'it_z_wage_n', 'fl_z_r_borr_n'});
    [it_z_wage_n, fl_z_r_borr_n] = params_group{:};
elseif (ismember(st_model, ["ipwkbzr_fibs"]))
    params_group = values(armt_map, {'ar_z_r_infbr_mesh_wage_w1r2', 'ar_z_wage_mesh_r_infbr_w1r2'});
    [ar_z_r_borr_mesh_wage_w1r2, ar_z_wage_mesh_r_borr_w1r2] = params_group{:};
    params_group = values(param_map, {'it_z_wage_n', 'fl_z_r_infbr_n'});
    [it_z_wage_n, fl_z_r_borr_n] = params_group{:};
else
    params_group = values(armt_map, {'ar_z'});
    [ar_z] = params_group{:};
end

% func_map
params_group = values(func_map, {'f_coh'});
[f_coh] = params_group{:};

% result_map
params_group = values(result_map, {'mt_val', 'cl_mt_cons', 'cl_mt_coh', 'cl_mt_pol_a', 'cl_mt_pol_k'});
[mt_val, cl_mt_cons, cl_mt_coh, cl_mt_pol_a, cl_mt_pol_k] = params_group{:};
[mt_cons, mt_coh, mt_pol_a, mt_pol_k] = deal(cl_mt_cons{1}, cl_mt_coh{1}, cl_mt_pol_a{1}, cl_mt_pol_k{1});

%% Generate Limited Legends

if (ismember(st_model, ["ipwkbzr", "ipwkbzr_fibs"]))

    % 8 graph points, 2 levels of borrow rates, and 4 levels of rbr rates
    ar_it_z_r_borr = ([1 round((fl_z_r_borr_n)/2) (fl_z_r_borr_n)]);
    ar_it_z_wage = ([1 round((it_z_wage_n)/2) (it_z_wage_n)]);

    % combine by index
    mt_it_z_graph = ar_it_z_wage' + it_z_wage_n*(ar_it_z_r_borr-1);
    ar_it_z_graph = mt_it_z_graph(:)';

    % legends index final
    ar_it_legend2plot = fliplr(ar_it_z_graph);
    ar_it_legend2plot_lth = ar_it_z_graph;
    cl_st_legendCell = cellstr([num2str(ar_z_r_borr_mesh_wage_w1r2', 'zr=%3.2f;'), ...
                          num2str(ar_z_wage_mesh_r_borr_w1r2', 'zw=%3.2f')]);

else

    ar_it_z_graph = ([1 round((it_z_n)/4) round(2*((it_z_n)/4)) round(3*((it_z_n)/4)) (it_z_n)]);
    ar_it_legend2plot = fliplr(ar_it_z_graph);
    ar_it_legend2plot_lth = ar_it_z_graph;
    cl_st_legendCell = cellstr(num2str(ar_z', 'shock next=%3.2f'));

end

% How many zs to Graph


%% Graphing COH today vs COH tomorrow
% This plots the cash-on-hand today vs cash-on-hand tomorrow. This is an
% important graph that is key for analyzing the asset distribution. We
% would like to see at each point of the current cash-on-hand, what are the
% cash-on-hand that are reachable tomorrow. Note, here we are not plottin
% gbased on probability density for each discretized state tomorrow, just
% which states are reacable, meaning which states given states have
% non-zero probability of been reached tomorrow.
%
% $$f(\Lambda(z',a',k') \mid \Lambda(a,k,z), z)$$
%
% Three possible cases:
%
% # next period cash-on-hand is always lower than current period
% cash-on-hand given policy function. This means it is not possible to
% exceed beyond this level of cash-on-hand in the stationary distribution.
% If we start mass lower than this level of cash-on-hand, it will never
% exceed this.
% # next period cash-on-hand is always higher than current period
% cash-on-hand. Stationary distribution will never go below this level.
% # next period cash-on-hand is identical to today cash on hand. This is an
% absorbing state.
%
% The dimensionality of the graph is as follows:
%
% # (a_n x k_n) by z_n state space and corresonding policy function
% # all (a_n x k_n) and z_n combinations, one array, policy array, than
% given that, the cash-on-hand next period. meshed (a_n x k_n) and z_n with
% each other, crossed with another z_n.
% # each color a different future z_n
%

if (bl_graph_coh_t_coh)

    % 1. Single Array A' Next Period and COH today
    ar_pol_a_full = mt_pol_a(:);
    ar_pol_k_full = mt_pol_k(:);
    ar_coh_full = mt_coh(:);

    % 2. COH Next Period
    % 2. COH Next Period
    if (ismember(st_model, ["ipwkbzr"]))
        mt_coh_next = f_coh(ar_z_r_borr_mesh_wage_w1r2, ar_z_wage_mesh_r_borr_w1r2, ...
                            ar_pol_a_full, ar_pol_k_full);
    elseif (ismember(st_model, ["ipwkbzr_fibs"]))
        mt_coh_next = f_coh(ar_z_wage_mesh_r_borr_w1r2, ...
                            ar_pol_a_full, ar_pol_k_full);
    else
        mt_coh_next = f_coh(ar_z, ar_pol_a_full, ar_pol_k_full);
    end

    % 3. Start Figure
    if(~bl_graph_onebyones)
        figure('PaperPosition', [0 0 21 4]);
        ar_sub_j = 1:1:3;
    else
        ar_sub_j = [3 2];
    end

    for sub_j = ar_sub_j

        % 4. Legends and values
        if (ismember(sub_j, [2]))
            bl_log_coh = 1;
        else
            bl_log_coh = 0;
        end

        if (sub_j==1)

            mt_outcome = mt_coh_next;
            ar_xvar = ar_coh_full;

            st_y_label = 'cash-on-hand t+1 = coh(a''(a,k,z), k''(a,k,z), z'')';
            st_x_label = 'cash-on-hand t = coh(a,k,z)';
            st_title = 'coh(a''(coh(a,k,z),z), z''): reachable coh'' given coh';
            st_legend_loc = 'southeast';

        end
        if (sub_j==2)

            mt_outcome = log(mt_coh_next - min(ar_a_meshk) + 1);
            ar_xvar = log(ar_coh_full - min(ar_a_meshk) + 1);

            st_y_label = 'log(coh''(a'',k'',z'') - min(a'') + 1)';
            st_x_label = 'log(coh(a,k,z) - min(a) + 1)';
            st_title = 'coh(a'',k'', z''): reachable coh'' given coh';
            st_legend_loc = 'southeast';

        end
        if (sub_j==3)

            mt_outcome = mt_coh_next - ar_coh_full;
            ar_xvar = ar_coh_full;

            st_y_label = 'coh(a''(a,k,z), k''(a,k,z), z'') - coh(a,k,z)';
            st_x_label = 'coh(a,k,z)';
            st_title = 'coh''(a'',k'',z''|a,z) - coh(a,k,z): reachable coh'' given coh';
            st_legend_loc = 'northeast';

        end

        % 5. Start Figure
        if (~bl_graph_onebyones)
            subplot(1,3,sub_j)
        else
            figure('PaperPosition', [0 0 7 4]);
        end
        hold on;

        % 7. Color
        clr = jet(it_z_n);
        for m = 1:it_z_n
            % scatter
            mt_y = real(mt_outcome(:,m));
            ar_x = real(ar_xvar);
            fig_cur_z = scatter(ar_x, mt_y, 1, ...
                'MarkerEdgeColor', clr(m,:), 'MarkerFaceAlpha', 0.3, ...
                'MarkerFaceColor', clr(m,:), 'MarkerEdgeAlpha', 0.3);
            chart(m) = fig_cur_z;
        end

        % 8. Legends
%         legend2plot = fliplr([1 round(it_z_n/4) round((2*it_z_n)/4) round((3*it_z_n)/4)  it_z_n]);
%         legendCell = cellstr(num2str(ar_z', 'shock next=%3.2f'));
%         legend(chart(legend2plot), legendCell(legend2plot), 'Location', st_legend_loc);
        legend(chart(ar_it_legend2plot), cl_st_legendCell(ar_it_legend2plot), 'Location', st_legend_loc);

        % 9. Titling etc
        grid on;
        title([st_title_prefix st_title]);
        ylabel(st_y_label);
        xlabel({st_x_label ...
                'if coh''< coh or coh'' > coh for all z, Pstationary(coh) = 0', ...
                'if coh''==coh for all z, Pstationary(coh) = Degenerate'})
        if (bl_log_coh == 0)
            xline0 = xline(0);
            xline0.HandleVisibility = 'off';

            yline0 = yline(0);
            yline0.HandleVisibility = 'off';
        else
            xline0 = xline(log(0 - min(ar_a_meshk) + 1));
            xline0.HandleVisibility = 'off';

            yline0 = yline(log(0 - min(ar_a_meshk) + 1));
            yline0.HandleVisibility = 'off';
        end


        % 45 Degree Line
        if (sub_j~=3)
            hline = refline([1 0]);
            hline.Color = 'k';
            hline.LineStyle = ':';
            hline.HandleVisibility = 'off';
            hline.LineWidth = 2.5;
        end

        grid on;
        grid minor;
    end

    % save file
    if (bl_img_save)
        if ~exist(support_map('st_img_path'),'dir'); mkdir(support_map('st_img_path')); end
        st_file_name = [st_img_prefix st_img_name_main '_coh' st_img_suffix];
        saveas(gcf, strcat(st_img_path, st_file_name));
    end

end

%% Graphing Values
% when testing with random data using f_util_standin, shocks will not have
% impacts on z, we will see that lower shocks tend to have slightly lower
% coh values, but k,b,z effects on f_util_standin fully captured by coh.

if (bl_graph_val)

    if (~bl_graph_onebyones)
        figure('PaperPosition', [0 0 14 4]);
    end

    for sub_j=1:1:2

        if (~bl_graph_onebyones)
            subplot(1,2,sub_j)
        else
            figure('PaperPosition', [0 0 7 4]);
        end
        hold on;

        mt_outcome = mt_val;
        st_y_label = 'V(coh(a, k, z), z)';

        clr = jet(length(ar_it_z_graph));
        i_ctr = 0;
        for i = ar_it_z_graph
            i_ctr = i_ctr + 1;

            if (sub_j == 1)
                ar_x = mt_coh_wkb(:, i);
            else
                ar_x = log(mt_coh_wkb(:,i)' - min(ar_a_meshk) + 1);
            end

            ar_y = mt_outcome(:, i);
            scatter(ar_x, ar_y, 5, ...
                'MarkerEdgeColor', clr(i_ctr,:), ...
                'MarkerFaceColor', clr(i_ctr,:));
        end

        grid on;
        grid minor;
        title([st_title_prefix 'V(coh(k,b,z),z)'])
        ylabel(st_y_label)

        if (sub_j == 1)
            xlinemax = xline(fl_w_max);
            xlabel({'cash-on-hand'})
        else
            xlinemax = xline(log(fl_w_max - min(ar_a_meshk) + 1));
            xlabel({'log(COH - borrbound + 1)'})
        end

        xlinemax.Color = 'b';
        xlinemax.LineWidth = 1.5;

        cl_st_legendCell_here = cl_st_legendCell;
        cl_st_legendCell_here{length(cl_st_legendCell_here) + 1} = 'max-agg-save';
        legend(cl_st_legendCell_here([ar_it_legend2plot_lth length(cl_st_legendCell_here)]), 'Location','southeast');

        xline0 = xline(0);
        xline0.HandleVisibility = 'off';
        yline0 = yline(0);
        yline0.HandleVisibility = 'off';

    end

    % save file
    if (bl_img_save)
        if ~exist(support_map('st_img_path'),'dir'); mkdir(support_map('st_img_path')); end
        st_file_name = [st_img_prefix st_img_name_main '_val' st_img_suffix];
        saveas(gcf, strcat(st_img_path, st_file_name));
    end

end

%% Graphing Choice Levels

if (bl_graph_pol_lvl)

    if (~bl_graph_onebyones)
        figure('PaperPosition', [0 0 21 8]);
        ar_sub_j = 1:1:6;
    else
        ar_sub_j = [1 4 2 5 3 6];
    end

    for sub_j = ar_sub_j

        if (sub_j==1 || sub_j == 4)
            mt_outcome = mt_pol_a;
        end
        if (sub_j==2 || sub_j == 5)
            mt_outcome = mt_pol_k;
        end
        if (sub_j==3 || sub_j == 6)
            mt_outcome = mt_cons;

            % for borrowing models consumption could be at cmin, and next
            % period a' choice given default is a'=0, using the consumption
            % equation, this leads to not cmin but a negative consumption
            % level. so here adjust negative consumption to 0
            mt_outcome(mt_cons <0) = 0;
        end

        if (~bl_graph_onebyones)
            subplot(2,3,sub_j)
        else
            figure('PaperPosition', [0 0 7 4]);
        end
        hold on;

        clr = jet(length(ar_it_z_graph));
        i_ctr = 0;
        for i = ar_it_z_graph
            i_ctr = i_ctr + 1;
            ar_opti_curz = mt_outcome(:, i);

            if (sub_j==1 || sub_j == 2 || sub_j == 3)

                ar_a_curz_use = mt_coh_wkb(:,i)';
                ar_opti_curz_use = ar_opti_curz';
                fl_w_max_line = fl_w_max;

            elseif (sub_j == 4 || sub_j == 5 || sub_j == 6)

                ar_a_curz_use = log(mt_coh_wkb(:,i)' - min(ar_a_meshk) + 1);
                fl_w_max_line = log(fl_w_max  - min(ar_a_meshk) + 1);

                if (sub_j == 4)
                    % borrow save
                    ar_opti_curz_use = log(ar_opti_curz' - min(ar_a_meshk) + 1);
                end

                if (sub_j == 5 || sub_j == 6)
                    % risky capital choice and consumption, both are >= 0
                    ar_opti_curz_use = log(ar_opti_curz' + 1);
                end

            end

            ar_x = real(ar_a_curz_use);
            ar_y = real(ar_opti_curz_use);

            scatter(ar_x, ar_y, 5, ...
                'MarkerEdgeColor', clr(i_ctr,:), ...
                'MarkerFaceColor', clr(i_ctr,:));
        end

        if (sub_j==1)
            st_y_label = 'Safe Savings/Borrowing';
            st_x_label = 'Cash-on-Hand';
        end
        if (sub_j==2)
            st_y_label = 'Risky K investment';
            st_x_label = 'Cash-on-Hand';
        end
        if (sub_j==3)
            st_y_label = 'Consumption';
            st_x_label = 'Cash-on-Hand';
        end
        if (sub_j==4)
            st_y_label = 'log(SaveBorr - borrbound + 1)';
            st_x_label = 'log(COH - borrbound + 1)';
        end
        if (sub_j==5)
            st_y_label = 'log(Risky K + 1)';
            st_x_label = 'log(COH - borrbound + 1)';
        end
        if (sub_j==6)
            st_y_label = 'log(Consumption + 1)';
            st_x_label = 'log(COH - borrbound + 1)';
        end


        grid on;

        title([st_title_prefix st_y_label]);
        ylabel(st_y_label);
        xlabel(st_x_label);

        xlinemax = xline(fl_w_max_line);
        xlinemax.Color = 'b';
        xlinemax.LineWidth = 1.5;

%         legendCell = cellstr(num2str(ar_z', 'shock=%3.2f'));
%         legendCell{length(legendCell) + 1} = 'max-agg-save';
%         legend(legendCell([ar_it_z_graph length(legendCell)]), 'Location','northwest');

        cl_st_legendCell_here = cl_st_legendCell;
        cl_st_legendCell_here{length(cl_st_legendCell_here) + 1} = 'max-agg-save';
        legend(cl_st_legendCell_here([ar_it_legend2plot_lth length(cl_st_legendCell_here)]), 'Location','northwest');

        hline = refline([1 0]);
        hline.Color = 'k';
        hline.LineStyle = ':';
        hline.HandleVisibility = 'off';
        if (sub_j==4 || sub_j == 5 || sub_j == 6)
        else
            xline0 = xline(0);
            xline0.HandleVisibility = 'off';
            yline0 = yline(0);
            yline0.HandleVisibility = 'off';
        end
        grid on;
        grid minor;

    end

    % save file
    if (bl_img_save)
        if ~exist(support_map('st_img_path'),'dir'); mkdir(support_map('st_img_path')); end
        st_file_name = [st_img_prefix st_img_name_main '_pol_lvl' st_img_suffix];
        saveas(gcf, strcat(st_img_path, st_file_name));
    end

end

%% Graphing Choice Percentages

% for borrowing models consumption could be at cmin, and next period a'
% choice given default is a'=0, using the consumption equation, this leads
% to not cmin but a negative consumption level. so here adjust negative
% consumption to 0
mt_cons_use = mt_cons;
mt_cons_use(mt_cons <0) = 0;

mt_pol_a_use = mt_pol_a;
mt_pol_a_use(mt_cons <0) = 0;

mt_pol_k_use = mt_pol_k;
mt_pol_k_use(mt_cons <0) = 0;


if (bl_graph_pol_pct)

    if (~bl_graph_onebyones)
        figure('PaperPosition', [0 0 24 8]);
        ar_sub_j = 1:1:8;
    else
        ar_sub_j = [1 5 2 6 3 7 4 8];
    end

    for sub_j = ar_sub_j

        mt_outcome = zeros(size(mt_pol_a_use));
        mt_it_borr_idx = (mt_pol_a_use < 0);

        if (ismember(sub_j, [1,2,3,4]))
            bl_log_coh = 0;
            st_sv_suffix = '_xcoh';
            st_title_suffix = ' (x=coh)';
        else
            bl_log_coh = 1;
            st_sv_suffix = '_logxcoh';
            st_title_suffix = ' (x=log(coh))';
        end

        if (sub_j==1 || sub_j == 5)
            mt_outcome(mt_it_borr_idx) = -mt_pol_a_use(mt_it_borr_idx)./min(ar_a_meshk);
            mt_outcome(~mt_it_borr_idx) = mt_pol_a_use(~mt_it_borr_idx)./mt_coh_wkb(~mt_it_borr_idx);
            st_y_label = 'aprime/borrbound if br; aprime/cashonhand if sv';
            st_legend_loc = 'southeast';
            st_title = 'Save/Borrow % of Borrow Limit or COH';
        end
        if (sub_j==2 || sub_j == 6)
            mt_outcome(mt_it_borr_idx) = mt_pol_k_use(mt_it_borr_idx)./(mt_coh_wkb(mt_it_borr_idx) - mt_pol_a_use(mt_it_borr_idx));
            mt_outcome(~mt_it_borr_idx) = mt_pol_k_use(~mt_it_borr_idx)./mt_coh_wkb(~mt_it_borr_idx);
            st_y_label = 'kprime/(coh-aprime) if br; k/cashonhand if sv';
            st_legend_loc = 'southeast';
            st_title = 'Risky Investment % of coh + borrow';
        end
        if (sub_j==3 || sub_j == 7)
            %             If borrowing, how much is what is borrowing going
            %             to K? If saving, how much is what is total
            %             savings in K?
            mt_outcome(mt_it_borr_idx) = mt_pol_a_use(mt_it_borr_idx)./mt_pol_k_use(mt_it_borr_idx);
            mt_outcome(~mt_it_borr_idx) = mt_pol_a_use(~mt_it_borr_idx)./mt_pol_k_use(~mt_it_borr_idx);
            st_y_label = 'aprime/kprime';
            st_legend_loc = 'northwest';
            st_title = 'safe borr/save divide risky k';
        end
        if (sub_j==4 || sub_j == 8)
            mt_outcome(mt_it_borr_idx) = mt_cons_use(mt_it_borr_idx)./(mt_coh_wkb(mt_it_borr_idx) - mt_pol_a_use(mt_it_borr_idx));
            mt_outcome(~mt_it_borr_idx) = mt_cons_use(~mt_it_borr_idx)./mt_coh_wkb(~mt_it_borr_idx);
            st_y_label = 'c/(coh-aprime) if br; c/cashonhand if sv';
            st_legend_loc = 'northeast';
            st_title = 'Consumption Choice % of coh + borrow';
        end

        if (~bl_graph_onebyones)
            subplot(2,4,sub_j)
        else
            figure('PaperPosition', [0 0 7 4]);
        end
        hold on;

        clr = jet(length(ar_it_z_graph));
        i_ctr = 0;
        for i = ar_it_z_graph
            i_ctr = i_ctr + 1;
            ar_opti_curz = mt_outcome(:, i);

            if (bl_log_coh == 0)
                ar_x = mt_coh_wkb(:,i);
            else
                ar_x = log(mt_coh_wkb(:,i)' - min(ar_a_meshk) + 1);
            end

            ar_y = ar_opti_curz;

            scatter(ar_x, ar_y, 5, ...
                    'MarkerEdgeColor', clr(i_ctr,:), ...
                    'MarkerFaceColor', clr(i_ctr,:));
        end
        grid on;

        title([st_title_prefix st_title st_title_suffix])
        ylabel(st_y_label)

%         legendCell = cellstr(num2str(ar_z', 'shock=%3.2f'));

        if (bl_log_coh == 0)
            xlinemax = xline(fl_w_max);
            xlabel({'cash-on-hand'})
        else
            xlinemax = xline(log(fl_w_max - min(ar_a_meshk) + 1));
            xlabel({'log(COH - borrbound + 1)'})
        end

        xlinemax.Color = 'b';
        xlinemax.LineWidth = 1.5;
%         legendCell{length(legendCell) + 1} = 'max-agg-save';
%         legend(legendCell([ar_it_z_graph length(legendCell)]), 'Location', st_legend_loc);

        cl_st_legendCell_here = cl_st_legendCell;
        cl_st_legendCell_here{length(cl_st_legendCell_here) + 1} = 'max-agg-save';
        legend(cl_st_legendCell_here([ar_it_legend2plot_lth length(cl_st_legendCell_here)]), 'Location','southeast');

        % xlim([min(ar_coh_curz)+1.5 15]);

        xline0 = xline(0);
        xline0.HandleVisibility = 'off';
        yline0 = yline(0);
        yline0.HandleVisibility = 'off';

        if (ismember(sub_j, [1,2,3,5,6,7]))
            yline0 = yline(1);
            yline0.HandleVisibility = 'off';
        end

        if (ismember(sub_j, [1,5]))
            yline0 = yline(-1);
            yline0.HandleVisibility = 'off';
        end
        grid on;
        grid minor;
    end

    % save file
    if (bl_img_save)
        if ~exist(support_map('st_img_path'),'dir'); mkdir(support_map('st_img_path')); end
        st_file_name = [st_img_prefix st_img_name_main '_pol_pct' st_sv_suffix st_img_suffix];
        saveas(gcf, strcat(st_img_path, st_file_name));
    end


end

end