private double getFutureAbilityByTodayChoice(boolean todayChoice) {
    final double ability = 1;
    double futureAbility = todayChoice ? ability * 1.01 : ability * 0.99;
    int oneYear = 365;
    // todayChoice ? 37.78 : 0.026
    return Math.pow(futureAbility, oneYear);
}