Feature 385924: Add field to define Current Income versus Previous Income

OVERVIEW

• This is an enhancement to cPOS (Consumer site) allowing the borrower to initially add in a current or previous income record.  The old experience didn't allow a clear way to enter in previous income until the system detected that a prior income is needed. 
  • 

Description

Problem

• In the previous income entry experience, if the user has an additional income within the 2 year period, there is no way for the user to select a previous income. cPOS assumes the income the user is entering is still current. In order for the borrower to enter a previous income, the user would have to click 'Next' from the Income Summary Screen in order for the system to detect there is less than 2 years of income.

Solution

• With this enhancement, borrowers will be able to enter in their current or previous income as their initial income. Some users may think in chronological order starting with their previous income first.  The entered income information coming from cPOS will map to LoanCenter (oPOS) Income section. 
• cPOS will also check if the current income(s) provided fulfills for the 2 year rule. If the borrower attempts to add any prior income(s) that ended before the most recent 2 years, then we will disable the ability to allow for prior incomes to be added.   

User Stories:

1. I'm currently employed, in a 2-year period I have worked with 2 companies. 
   1. User starts with current, and next enters previous
   2. User starts with previous, and enters current next 
   3. User starts with current, clicks next from the Review Screen and is forced to enter a prior income) 
   4. User starts with previous, clicks next from the Review Screen and is forced to enter another income) 
   5. I got my first job out of college. I have only worked for 1 year. 
2. I'm currently employed with 2 current jobs, and 1 prior jobs all < 2 years. 
3. I'm currently not working, but was working previously. 
4. I'm currently on retirement and was previously working all within 2 years. 

Detailed Functionality

Income Sources

1. Update the instruction Text
   1. 
   2. On the Income Sources page, the instruction message that appears above the radio button (tiles) has been updated to: 'Please provide 2 years of your most recent income source(s).'
2.  Update the red alert message when less than 2 years of current income has been provided
   1. 
   2. If the borrower provided income(s) that is less than 2 years, and clicks 'Next" from the Income Summary Screen, the user is directed back to the Income Sources page displaying red alert message requiring the user to enter a prior income. {Existing Functionality}
   3. The red alert message is now updated with: 'We haven't collected 2 years of income from you so please provide previous income source(s). If you do not have any, then select "I don't have any income" below.'
   4. In addition, when this state occurs, we are disabling the "Pension/Retirement" (radio/tile). The only options the user can select to define previous income are:
      1. Employment (W-2)
      2. Military Pay
      3. Self Employed
      4. I don't have any income 
3.  '2-Years' of Qualifying Current Income (No Prior Income Needed)
   1. 
   2. If the user has provided enough current income that qualifies the 2 year rule, and if the user returns to the Income Sources screen, they will see a blue informational alert message: "Good news, you have provided 2 years of income. You do not need to provide any prior incomes. Please add any other additional income that is current."
   3. When the user wants to add any income at this point, the income must be current. Note: in oPOS (LoanCenter), this is the how it currently works. Also on the new URLA 2020 form (sec 1d), it only asks for 'last 2 years' and nothing more.
   4. If the user goes ahead and select: W-2, Military Pay, and/or Self Employed (after this state), the user will not be able to enter previous income (start date - end date) for those 3 income types.

 W-2 Income 

1. When the user enters their initial W-2 Income, added below the Job Title (field) is a new dropdown field with:
   1. Field label: Do you currently work here?
   2. Options are:
      1. Yes, I currently work here (default)
      2. No, I previously worked here
2. Selecting "Yes, I currently work here" will only show the Start Date (date fields).
   1. Start Date is a required field {existing functionality}
   2. 
   3. If the user has already provided enough current income that completes the 2 year rule, when the user wants to add another income, the 'No, I previously worked here' (dropdown option) will be disabled.
      1. Note: On the new URLA 2020 form, you only need to capture the last 2 years of the most recent income.
3.  Selecting: "No, I previously worked here" will show the 'Start Date' and 'End Date' fields.
   1. 
   2. Both 'Start Date' and 'End Date' are required fields {Existing Functionality}.
      1. If the borrower came from the Income Sources page with the red alert message stating a prior income is needed, and the user lands on this page, the option for 'Do you currently work here?' will default to 'No, I previously worked here'.

Military Income

1. When the user enters a Military Income, added below the Branch (select field) and Rank (field) is a new dropdown field with:
   1. Field label: Do you currently work here?
   2. Options are:
      1. Yes, I currently work here (default)
      2. No, I previously worked here
         1. Note: With some customers the 'Rank' (field) can is hidden.
2.  Selecting "Yes, I currently work here" will only show the Start Date (date fields) followed by 'Projected End of Service Date '(date fields). 
   1. Note: 'Projected End of Service Date' (is a new URLA 2020 field) and currently maps to the Personal section in cPOS (LoanCenter) {existing functionality}.
   2. 
   3. If the user has already provided enough current income that completes the 2 year rule, when the user wants to add another income, the 'No, I previously worked here' (dropdown option) will be disabled.
3. Selecting: "No, I previously worked here" will show the Start Date and End Date fields.
   1. 
   2. Both 'Start Date' and 'End Date' are required fields {Existing Functionality}.
   3. If the borrower came from the Income Sources page with the red alert message stating a prior income is needed, If the user lands on this page it will default to 'No, I previously worked here'.

Self Employed Income 

1. When the user enters their initial Self Employed Income, added below the Job Title (field) is a new dropdown field with:
   1. Field label: Do you currently work here?
   2. Options are:
   3. Yes, I currently work here (default)
   4. No, I previously worked here
2. Selecting "Yes, I currently work here" will only show the Start Date (date fields).
   1. 
   2. If the user has already provided enough current income that completes the 2 year rule, when the user wants to add another income, the 'No, I previously worked here' (dropdown option) will be disabled.
3. Selecting: "No, I previously worked here" will show the 'Start Date' and 'End Date' fields.
   1. 
   2. Both 'Start Date' and 'End Date' are required fields {Existing Functionality}.
   3. If the borrower came from the Income Sources page with the red alert message stating a prior income is needed, If the user lands on this page it will default to 'No, I previously worked here'.

 Validations for End Dates

1. If the borrower enters an 'End Date' (date field):
   1. Must be after the 'Start Date' {Current Functionality}
   2. But if the 'End Date' entered is (2 years + 1 day) from today's date:
      1. Field validation error will show: 'End Date is more than 2 years from today.
   3. Note: in oPOS (LoanCenter) any prior income past 2 years from today's date will not store as an income record.
      1. Also on the new URLA 2020 form (reference 1d), it doesn't ask for prior income past 2 years.
      2. With cPOS we want to match the same logic that exist in oPOS.

Income Summary Screen

1. If a 'current' income was added, on the summary screen we are adding '- Current' after the start date.
   1. 
2. The following current income types can have '- Current' appear after the [StartDate]:
   
   1. Employment / W-2
   2. Self Employed
   3. Military Pay
   4. Pension / Retirement

Configuration & Prerequisite Information

There are no configurations needed for this setup.

Acceptance Criteria

Use Case # 1: Borrower has 3 'current' incomes for: W-2, Self Employed, Military (All within 2 years)

Note: Maverick is in the military, he's also working part-time, and also runs his side business.

1. Start a new loan in cPOS (Complete Personal and Property section)
2. Get to the Income Section Intro page, and continue directing you to the Income Sources page
3. Verify the income source page has the updated text above the tiles: "Please provide 2 years of your most recent income source(s)." 
4. Select Employment (W-2)  
   1. If your configuration includes TWN (eVOI/eVOE), you will land on the Auto vs Manual screen. In this case select 'Manually Enter Your Income' and click 'Next'
5. Complete the first page (Company info, address, tel) and click Next 
6. Verify the new dropdown "Do you currently work here?" shows below the Job Title (field). 
7. Verify the default is "Yes, I currently work here" 
8. Click on the 'Do you currently work here?' (Dropdown)
9. Verify the other dropdown option includes "No, I previously worked here" 
10. Keep the selection as "Yes, I currently work here" 
11. Enter a 'start date' that captures at least 2 years on the job and click "Next"
    1. (Exp: 20 months from today's date)
12. On the Wages page, enter an annual amount, and click "next"
13. Validate on the Income Summary Screen that the first entered income record for 'Employment (W-2)' displays: the entered 'Start Date' along with '- Current' 
    1. [CompanyName]
    2. [$amount] per year
    3. [StartDate] - Current
14. From the Income Summary Screen, click to 'Add another income source'
15. As you land on the Income Sources page, select 'Self Employed' and click "Next" 
16. Complete the first page (entering business name, address, tel, and select 'Partnership') and click 'Next' 
17. Repeat steps: 6-12 for 'Self Employed' income. After entering wages and clicking 'Next"
18. Validate on the Income Summary Screen that the 2nd entered income record for 'Self Employed' displays: 
    1. [BusinessName]
    2. Partnership
    3. [$amount] per year
    4. [StartDate] - Current
19. From the Income Summary Screen, click to 'Add another income source'
20. As you land on the Income Sources page, select 'Military Pay' and click "Next"
21. On the 'Tell us about your military position' (page)..
22. Verify the new dropdown "Do you currently work here?" shows below the Rank (field)
    1. Note: Some customers may have the "Rank" (field) hidden, and in this case it will appear below the Military Branch (dropdown).
23. Verify the 'Start Date' appears before 'Projected End of Service Date'
24. Complete the military (fields), date (fields) and Years in same profession (fields); click "Next"
25. Complete the wages for military, and click "Next"
26. Validate on the Income Summary Screen that the 3rd entered income record for 'Military Pay' displays: 
    1. [MilitaryBranch]
    2. [$amount] per year
    3. [StartDate] - Current
27. Click 'Next' and you should be directed back to the Income Sources page displaying a red alert message on the top:
28. Verify the following red alert message displays: "We haven't collected 2 years of income from you so please provide previous income source(s). If you do not have any, then select "I don't have any income" below." 
29. Select "I don't have any income" and click 'Next'
30. You should land on the Income Summary Screen again and click "Next"
31. You should land on Assets Section Intro screen, sign out of cPOS
32. Open the same loan in oPOS (LoanCenter)
33. Verify the 3 income sources (W-2, Self Employed & Military) map to the Income page with an Employment Status = Current  

Use Case # 2: Current Income for Pension Retirement (less than 2 years), validate previous income prompt and enter Previous Income for Self Employed and W-2

Note: Joe recently reached retirement and is collecting his pension, as he fills in the income section he needs to enter previous income records that are W-2 and Self Employed.

1. Start a new loan in cPOS (Complete Personal, Property and continue)
2. Get to the Income Section Intro and continue
3. As you land on Income Sources page, select 'Pension Retirement'
4. If you’re configured to have eVOI/eVOE (turned on) you will see Auto vs Manual entry page.
   1. Select 'Manually Enter Your Income' (tile) and click "Next'
5. Enter any 'Monthly Pension/Retirement' ($amount).
6. Enter a Retirement Date that's 3 months from today's date, and click Next
7. As you land on the Income Summary screen, you should see your 1st record as Pension Retirement (income), and click "Next"
8. You should be redirected back to the Income Sources page
9. Verify the following red alert message displays: "We haven't collected 2 years of income from you so please provide previous income source(s). If you do not have any, then select "I don't have any income" below." 
10. Verify the following income sources tiles are disabled:
    1. Social Security
    2. Pension Retirement
    3. Other Income
11. Select 'Self Employed' income tile and click 'Next'
12. Complete the first page (entering business name, address, tel, and select 'sole proprietorship') and click 'Next' 
13. Verify the new drop down "Do you currently work here?" shows below the 'Job Title' (field)
14. Verify the dropdown is defaulting to "No, I previously worked here" 
15. Click on the dropdown
16. Verify the other option is "Yes, I currently work here" 
17. Keep the selection as "No, I previously worked here" 
18. Verify the "End Date" field is displaying after the 'Start Date' 
19. Enter a Start Date that is 23 months from today's date.
20. Enter an End Date that is 3 months from today's date. (So far the total of months is within 2 years)
21. Complete the remaining fields and the wages for W-2 income and click 'Next'
22. Verify on the Income Summary Screen the 1st record is the "Pension/Retirement" and has:
    1. The Start Date (3 months from today's date) - Current
23. Verify the 2nd record is the Self Employed Income and it displays
    1. The 'Start Date' (23 months from today's date) and 'End Date' (3 months from today's date)
24. On the Review Screen, click 'Next' 
25. Verify you are back on the "Income Sources" page where you are still prompted with the same red alert message that displays: "We haven't collected 2 years of income from you so please provide previous income source(s). If you do not have any, then select "I don't have any income" below."
26. Verify the following income sources (radio/tiles) are still disabled:
    1. Social Security
    2. Pension Retirement
    3. Other Income
27.  Select W-2 (tile) 
28. Complete the first page (entering company name, address, tel, etc) and click 'Next'
29. Verify the new dropdown "Do you currently work here?" shows below the Job Title (field)
30. Verify the dropdown is defaulting to "No, I previously worked here" 
31. Click on the dropdown
32. Verify the other option is "Yes, I currently work here" 
33. Keep the selection as "No, I previously worked here" 
34. Verify the "End Date" field is displaying after the 'Start Date' 
35. Enter a 'Start Date' that is (20 years from today's date).
36. Enter an 'End Date' that is (25 months from today's date). 
    1. Verify the field validation error will show: 'End Date is more than 2 years from today.
       1. Note: we want to avoid adding unnecessary income records in the POS
37. Change the 'End Date' to (23 months from today's date), and click "Next"
38. Complete the remaining fields and the wages for W-2 income and click 'Next'
39. When you land on the Income Summary Screen:
    1. The first record is the Retirement Income
    2. The 2nd record is the Self-Employed
    3. The 3rd record is the W-2 Income
40. Verify the W-2 Income's
    1. Start Date is (20 years from today's date)
    2. And the End date is (23 months from today's date).
41. Click "Next" 
42. Verify it advances you to the Assets Section Intro (page)
43. Sign out of cPOS
44. Login to oPOS (LoanCenter) and load the same loan.
45. Verify the Pension/Retirement income source is mapped to the first entry in LC with the applicable date (3 months from today's date)
46. Verify the Pension $ amount is added in the Other Income section 
47. Verify the Previous is Self Employed and is mapped to LC with the Employment Status = Previous 
48. Verify the 'Self Employed' has the same 'start date' and 'end date' that was entered from  cPOS.
49. Verify the next previous income is the W-2 with Employment Status=Previous
50. Verify the 'W-2' has the same 'start date' and 'end date' that was entered from cPOS.

Use Case # 3: Borrower is Currently Self Employed, and Previously Worked in the Military

Note: Mr. Corleone currently has his own business after being 10 years in the Marines. Prior to joining the military, he was working for his father's Olive Oil Company.

1. Start a new loan in cPOS (complete Personal, Property sections) 
2. Get to the Income Section Intro and continue
3. As you land on the Income Sources page, select 'Self Employed' (radio/tile button) and click 'next'.
4. Complete the first page (entering business name, address, tel, and select 'C-Corp') and click 'Next' 
5. Verify the new dropdown "Do you currently work here?" shows below the Job Title (field)
6. Without entering anything yet, click 'Next' to see if the required fields display errors.
7. Verify the red alert message 'Please fix the issues in the field(s) below.' displays above.
8. Verify the 'Start Date' field has field validation errors:
   1. Start Date is Required
9. Enter in a valid:
   1. Job Title
   2. Start Date (that is 1 years from today's date)
   3. Years/Months in the same profession
10. Click 'next' to continue to the Wages page
    1. Enter the annual amount for wages and click 'Next'
11. Verify on the Income Summary Screen the 'Self Employed' record includes:
    1. [BusinessName]
    2. C-Corp
    3. [$amount] per year
    4. [StartDate] - Current
       1. Note: 'Start Date' (1 year from today's date),
12. On the Income Summary Screen, click 'Add another income source' 
13. On the Income Sources page, select 'Military Pay' (radio/tile) and click 'Next' taking you to 'Tell us about your military position' (page)
14. Verify the new dropdown "Do you currently work here?" shows below the Rank (field)
    1. Note: Some customers may have the "Rank" (field) hidden, and in this case it will appear below the Military Branch (dropdown).
15. Verify the 'Start Date' appears before 'Projected End of Service Date'
16. On the 'Do you currently work here?' dropdown, select: 'No, I previously worked here'.
17. Verify 'Projected End of Service Date' is replaced with 'End Date' (date field)
18. Without entering anything yet, click 'Next' to see if the required fields display errors.
19. Verify the red alert message 'Please fix the issues in the field(s) below.' displays above.
20. Verify the 'Start Date' and 'End Date' (date fields) has has field validation errors:
    1. Start Date is Required
    2. End Date is Required
21. Select 'Marines' from Military Branch (dropdown), enter any Rank
22. Enter in a Start Date (10 years from today's date)
23. Enter in an End Date (14 months from today's date) and click "Next"
24. Enter the annual wages for military pay, and click "Next"
25. Verify on the Income Summary Screen the 2nd 'Military Pay' record includes:
    1. Marines
    2. [$amount] per year
    3. [StartDate] - [End Date]
       1. Note: 'Start Date' (10 years from today's date),
          and 'End Date' is (14 months from today's date)
26. Note: Between the 1st income (Self Employed) and 2nd Income (Military Pay) you will notice a 2 months gap. Also the borrower's income qualifies the 2 year rule.
27. From the Income Summary Screen, Mr. Corleone wants to add his income working for his father's Olive Oil Company, click "Add another income source'
28. Verify on the Income Sources page, the blue alert message display:
29. "Good news, you have provided 2 years of income. You do not need to provide any prior incomes. Please add any other additional income that is current."
30. Select "Employment (W-2)" (radio/tile) and click 'Next'
31. Complete the first page (entering company name, address, tel, etc) and click 'Next'
32. Verify the new dropdown "Do you currently work here?" shows below the Job Title (field)
33. Verify: 'Yes, I currently work here' is showing as the default
34. Verify by clicking the dropdown 'No, I previously worked here' (option is disabled)
35. User can either click '<- Back' to return to be Income Sources Page, and select "I don't have any income' and click "Next" which will direct the user back to the Income Summary Screen.
36. Click 'Next" from the Income Summary screen
37. Verify that you advanced on to the Assets Section Intro Screen.
38. Sign Out of cPOS
39. Open the loan in oPOS (LoanCenter)
40. Verify the Self Employed income source is mapped as the first income source with the same values entered from cPOS (Consumer Site):
    1. Business Name
    2. Job Title
    3. Start Date (that is 1 years from today's date)
    4. Years/Months in the same profession
    5. C-Corp
    6. [Amount]
41. Verify Military is mapped as the second income source with Employment Status = Previous, with the same values entered from cPOS (Consumer Site):
    1. Marines
    2. Rank
    3. Start Date (10 years from today's date) - End Date is (14 months from today's date)
    4. [$amount] per year

Use Case 4: Borrower start with Previous W-2 Income, and now currently Self Employed for only 5 months and verify mapping and no prompt for add'l income 

Note: Sally is a yoga instructor at a popular gym for over 5 years. Her classes are always packed! Since Covid happened, she was without income. Eventually she started her own business providing online yoga/pilates training making $10K/month.

1. Start a new loan in cPOS (complete Personal, Property sections) 
2. Get to the Income Source page and select 'Employment (W-2)' (radio/tile) and click 'Next'
3. Complete the first page (entering company name, address, tel, etc) and click 'Next'
4. Verify the new drop down "Do you currently work here?" shows below the Job Title (field)
5. Change the drop down to "No, I previously worked here" 
6. Verify the 'End Date' (date fields) appears after the 'Start Date'
7. Enter in a 'Start Date' that is (5 years from today's date)
8. Enter in an 'End Date' that is (25 months from today's date)
9. Verify the field validation error for 'End Date' shows as: End Date is more than 2 years from today.
10. Enter in a valid 'End Date' that is (12 months from today's date) 
11. Verify 'Years in the Same Profession" does not show, and click 'Next"
12. Enter in the annual wages amount, and click "Next"
13. Validate on the Income Summary Screen that the first entered income record for 'Employment (W-2)' displays: 
    1. [CompanyName]
    2. [$amount] per year
    3. [StartDate] - [End Date]
       1. Note: Start Date should be (5 years from today's date)
          End Date should be (12 months from today's date)
14. Click "Add another income source' which will direct you to the Income Sources page.
15. Select 'Self Employed' (radio/tile) and click 'Next'
16. Complete the first page (entering business name, address, tel, and select 'sole proprietorship') and click 'Next' 
17. Verify the dropdown ”Do you currently work here?" shows below the 'Job Title' (field).
18. Keep it as "Yes, I currently work here"
19. Enter a Start Date (5 months from today's date)
20. Enter Years in the Same Profession (fields) and click 'Next"
21. Complete the 'monthly' wages for this income and click 'Next'
22. Validate on the Income Summary Screen that the 2nd entered income record for 'Employment (W-2)' displays: the entered 'Start Date' along with '- Current' 
    1. [BusinessName]
    2. Sole Proprietorship
    3. [$amount] per month
    4. [StartDate] - Current
       1. Note: Start Date should be (5 months from today's date)
23. Click "Next" from the Income Summary Screen.
24. Verify you are taken to the Assets Section Intro (screen)
25. Sign Out of cPOS
26. Login to oPOS (LoanCenter) and open the loan going to the Income (tab).
27. Verify the income for 'Self Employed' maps as the 1st entry (since it's defaulted to current) 
28. Verify the Previous W-2 maps as the 2nd entry with Employment Status = Previous 

Use Case 5: Borrower currently has W-2 income that's less than 2 years, prompted for previous income and selects 'I don't have any' 

Note: Dr. Jay just started entering the medical workforce as a surgeon fresh. He has no prior income experience.

1. Start a new loan in cPOS (complete Personal, Property sections) 
2. Get to the Income Source page and select 'Employment (W-2)' (radio/tile) and click 'Next'
3. Complete the first page (entering company name, address, tel, etc) and click 'Next'
4. Verify the new (dropdown) "Do you currently work here?" shows below the Job Title (field)
5. Enter in the 'Start Date' that is (1 year from today's date)
6. Enter in Years in the Same Profession and click "next"
7. Enter the annual wages and click 'Next'
8. Validate on the Income Summary Screen that the first entered income record for 'Employment (W-2)' displays: the entered 'Start Date' along with '- Current' 
   1. [CompanyName]
   2. [$amount] per year
   3. [StartDate] - Current
9. Click 'Next' from the Income Summary Screen.
10. Verify the next page is the Income Sources page and the following red alert message displays: "We haven't collected 2 years of income from you so please provide previous income source(s). If you do not have any, then select "I don't have any income" below." 
11. Verify the following tiles are disabled:
    1. Social Security
    2. Pension Retirement
    3. Other Income
12. Select 'I don't have any income' (radio/tile) and click "Next"
13. As you're directed to the Income Summary Screen, click "Next" 
14. Verify borrower is advanced to the Assets Section Intro
15. Sign out of cPOS
16. Open the loan in oPOS (LoanCenter) and go to the Income (tab)
17. Verify the W-2 Income source is mapped to LC  
18. Verify Other/Unemployed shows as the second income source with Employment Status = Previous

Use Case 6: Only provide Previous income and verify mapping to oPOS (LoanCenter) that the  1st entry is "Other/Unemployed" 

Note: Within the last 2 years, Arnold has had 2 jobs, but right now he's unemployed.

1. Start a new loan in cPOS (complete Personal, Property sections) 
2. Get to the Income Source page and select 'Employment (W-2)' (radio/tile) and click 'Next'
3. Complete the first page (entering company name, address, tel, etc) and click 'Next'
4. Verify the new drop down "Do you currently work here?" shows below the Job Title (field)
5. Change the drop down to "No, I previously worked here" 
6. Verify the 'End Date' (date fields) appears after the 'Start Date'
7. Enter in a 'Start Date' that is (5 years from today's date)
8. Enter in an 'End Date' that is (1 year from today's date)
9. Verify 'Years in the Same Profession" does not show, and click 'Next"
10. Enter in the annual wages amount, and click "Next"
11. Validate on the Income Summary Screen that the first entered income record for 'Employment (W-2)' displays: 
    1. [CompanyName]
    2. [$amount] per year
    3. [StartDate] - [End Date]
       1. Note: Start Date should be (5 years from today's date)
          End Date should be (1 year from today's date)
12. Click "Add another income source' which will direct you to the Income Sources page.
13. On the Income Source page and select 'Employment (W-2)' (radio/tile) and click 'Next'
14. Complete the first page (entering company name, address, tel, etc) and click 'Next'
15. Verify the new drop down "Do you currently work here?" shows below the Job Title (field)
16. Change the drop down to "No, I previously worked here" 
17. Verify the 'End Date' (date fields) appears after the 'Start Date'
18. Enter in a 'Start Date' that is (1 years from today's date)
19. Enter in an 'End Date' that is (6 months from today's date)
20. Verify 'Years in the Same Profession" does not show, and click 'Next"
21. Enter in the annual wages amount, and click "Next"
22. Validate on the Income Summary Screen that the 2nd entered income record for 'Employment (W-2)' displays: 
    1. [CompanyName]
    2. [$amount] per year
    3. [StartDate] - [End Date]
       1. Note: Start Date should be (1 years from today's date)
          End Date should be (6 months from today's date)
23. Click 'Next' on the Income Summary Screen
24. Verify: You're directed to the Income Sources page and the following red alert message  displays: "We haven't collected 2 years of income from you so please provide previous income source(s). If you do not have any, then select "I don't have any income" below." 
25. Select 'I don't have any income' (radio/tile) and click "Next"
26. You should be directed back to Income Summary Screen, click "Next"
27. Verify you land on Assets Section Intro (page)
28. Sign out of cPOS
29. Open the loan in oPOS (LoanCenter) and navigate to the Income (tab).
30. Verify the first entry is Other/Unemployed (since the 1st entry defaults to 'current') 
31. Verify the other 2 previous W-2 incomes entered from cPOS mapped with the Employment Status = Previous 

 Use Case 7: Testing the scenarios with TWN 

1. Start a new loan in cPOS (complete Loan Purpose, Personal and Property section) 
2. Get to the Income Sources page
3. Manually add incomes for: 
   1. W-2 (Previous) 
   2. Self Employed (Current) 
   3. Military (Previous) 
   4. Pension (Current) 
4. After adding the 4 manual incomes, now add another W-2 Income via TWN.
5. Use SSN 999-40-5000, to retrieve income
6. After getting TWN results go to Income Summary page
7. Validate on the Review Screens the 4 manually entered incomes are still accurate, along with the TWN record. 
8. Sign out and login to oPOS and validate the records match.