function calculate_repayment()
	{
	document.monthlycalc.loanamount.value = ForceNumeric(document.monthlycalc.loanamount.value);
	document.monthlycalc.loanperiod.value = ForceNumeric(document.monthlycalc.loanperiod.value);
	document.monthlycalc.interestrate.value = ForceNumeric(document.monthlycalc.interestrate.value);
	var loanamount = document.monthlycalc.loanamount.value;
	var interestrate = document.monthlycalc.interestrate.value;
	var loanperiod = document.monthlycalc.loanperiod.value;
	if (interestrate > 0 && loanperiod > 0)
		{
		var I = interestrate / 12;
		var X = 1/(1+I/100);
		var N = loanperiod * 12;
		var L = loanamount;
		var P1 = 0;
		var P2 = loanamount;
		var A1 = FormatNumber((L - P1 * Math.pow(X,N)) * (X - 1)/(Math.pow(X,N+1)-X))
		var A2 = FormatNumber((L - P2 * Math.pow(X,N)) * (X - 1)/(Math.pow(X,N+1)-X))
		document.monthlycalc.repayment.value = A1;
		document.monthlycalc.interestonly.value = A2;
		}
	else
		{
		document.monthlycalc.repayment.value = "*ERROR*";
		document.monthlycalc.interestonly.value = "*ERROR*";
		}
	}


function calculate_maxloan()
	{
	document.maxborrowcalc.firstincome.value = ForceNumeric(document.maxborrowcalc.firstincome.value);
	document.maxborrowcalc.secondincome.value = ForceNumeric(document.maxborrowcalc.secondincome.value);
	var firstincome = document.maxborrowcalc.firstincome.value;
	var secondincome = document.maxborrowcalc.secondincome.value;
	if (firstincome > 0) 
		{
		if (secondincome == 0)
			{
			averageloanamount = firstincome * 3.25;	
			highestloanamount = firstincome * 4;
			}
		else
			{
			var jointincome = Math.abs(firstincome) + Math.abs(secondincome);
			averageloanamount = 2.5 * jointincome;
			highestloanamount = 3 * jointincome;
			}
		document.maxborrowcalc.average.value = FormatNumber(averageloanamount,0);
		document.maxborrowcalc.highest.value = FormatNumber(highestloanamount,0);
		}
	else
		{
		document.maxborrowcalc.average.value = "*ERROR*";
		document.maxborrowcalc.highest.value = "*ERROR*";
		}
	}
function ForceNumeric(nValue)
	{
	validChars = "0123456789.";
	newValue="";
	for(k = 0; k < nValue.length; k++)
		{
		thisChar = nValue.charAt(k);
		if(validChars.indexOf(thisChar) != -1) newValue += thisChar;
		}
	return newValue;
	}
function FormatNumber(Number,Decimals,Separator)
{
 // **********************************************************
 // Placed in the public domain by Affordable Production / March 21, 1998
 // Web site: http://www.aptools.com/
 //
 // November 24, 1998 -- Error which allowed a null value
 // to remain null fixed. Now forces value to 0.
 //
 // This function accepts a number to format and number
 // specifying the number of decimal places to format to. May
 // optionally use a separator other than '.' if specified.
 //
 // If no decimals are specified, the function defaults to
 // two decimal places. If no number is passed, the function
 // defaults to 0. Decimal separator defaults to '.' .
 //
 // If the number passed is too large to format as a decimal
 // number (e.g.: 1.23e+25), or if the conversion process
 // results in such a number, the original number is returned
 // unchanged.
 // **********************************************************
 Number += ""          // Force argument to string.
 Decimals += ""        // Force argument to string.
 Separator += ""       // Force argument to string.
 if((Separator == "") || (Separator.length > 1))
  Separator = "."
 if(Number.length == 0)
  Number = "0"
 var OriginalNumber = Number  // Save for number too large.
 var Sign = 1
 var Pad = ""
 var Count = 0
 // If no number passed, force number to 0.
 if(parseFloat(Number)){
  Number = parseFloat(Number)} else {
  Number = 0}
 // If no decimals passed, default decimals to 2.
 if((parseInt(Decimals,10)) || (parseInt(Decimals,10) == 0)){
  Decimals = parseInt(Decimals,10)} else {
  Decimals = 2}
 if(Number < 0)
 {
  Sign = -1         // Remember sign of Number.
  Number *= Sign    // Force absolute value of Number.
 }
 if(Decimals < 0)
  Decimals *= -1    // Force absolute value of Decimals.
 // Next, convert number to rounded integer and force to string value.
 // (Number contains 1 extra digit used to force rounding)
 Number = "" + Math.floor(Number * Math.pow(10,Decimals + 1) + 5)
 if((Number.substring(1,2) == '.')||((Number + '')=='NaN'))
  return(OriginalNumber) // Number too large to format as specified.
 // If length of Number is less than number of decimals requested +1,
 // pad with zeros to requested length.
 if(Number.length < Decimals +1) // Construct pad string.
 {
  for(Count = Number.length; Count <= Decimals; Count++)
   Pad += "0"
 }
 Number = Pad + Number // Pad number as needed.
 if(Decimals == 0){
  // Drop extra digit -- Number is formatted.
  Number = Number.substring(0, Number.length -1)} else {
  // Or, format number with decimal point and drop extra decimal digit.
 Number = Number.substring(0,Number.length - Decimals -1) +
          Separator +
          Number.substring(Number.length - Decimals -1,
          Number.length -1)}
 if(Sign == -1)
  Number = "-" + Number  // Set sign of number.
 if(Number.length == 0)
  Number="0"
 return(Number)
}

function MM_openBrWindow(theURL,winName,features) { //v2.0
  window.open(theURL,winName,features);
}
function MM_popupMsg(msg) { //v1.0
  alert(msg);
}
function MM_reloadPage(init) {  //reloads the window if Nav4 resized
  if (init==true) with (navigator) {if ((appName=="Netscape")&&(parseInt(appVersion)==4)) {
    document.MM_pgW=innerWidth; document.MM_pgH=innerHeight; onresize=MM_reloadPage; }}
  else if (innerWidth!=document.MM_pgW || innerHeight!=document.MM_pgH) location.reload();
}
function MM_validateForm() { //v4.0
  var i,p,q,nm,test,num,min,max,errors='',args=MM_validateForm.arguments;
  for (i=0; i<(args.length-2); i+=3) { test=args[i+2]; val=MM_findObj(args[i]);
    if (val) { nm=val.name; if ((val=val.value)!="") {
      if (test.indexOf('isEmail')!=-1) { p=val.indexOf('@');
        if (p<1 || p==(val.length-1)) errors+='- '+nm+' must contain an e-mail address.\n';
      } else if (test!='R') { num = parseFloat(val);
        if (isNaN(val)) errors+='- '+nm+' must contain a number.\n';
        if (test.indexOf('inRange') != -1) { p=test.indexOf(':');
          min=test.substring(8,p); max=test.substring(p+1);
          if (num<min || max<num) errors+='- '+nm+' must contain a number between '+min+' and '+max+'.\n';
    } } } else if (test.charAt(0) == 'R') errors += '- '+nm+' is required.\n'; }
  } if (errors) alert('The following error(s) occurred:\n'+errors);
  document.MM_returnValue = (errors == '');
}

function YY_checkform() { //v4.71
//copyright (c)1998,2002 Yaromat.com
  var a=YY_checkform.arguments,oo=true,v='',s='',err=false,r,o,at,o1,t,i,j,ma,rx,cd,cm,cy,dte,at;
  for (i=1; i<a.length;i=i+4){
    if (a[i+1].charAt(0)=='#'){r=true; a[i+1]=a[i+1].substring(1);}else{r=false}
    o=MM_findObj(a[i].replace(/\[\d+\]/ig,""));
    o1=MM_findObj(a[i+1].replace(/\[\d+\]/ig,""));
    v=o.value;t=a[i+2];
    if (o.type=='text'||o.type=='password'||o.type=='hidden'){
      if (r&&v.length==0){err=true}
      if (v.length>0)
      if (t==1){ //fromto
        ma=a[i+1].split('_');if(isNaN(v)||v<ma[0]/1||v > ma[1]/1){err=true}
      } else if (t==2){
        rx=new RegExp("^[\\w\.=-]+@[\\w\\.-]+\\.[a-zA-Z]{2,4}$");if(!rx.test(v))err=true;
      } else if (t==3){ // date
        ma=a[i+1].split("#");at=v.match(ma[0]);
        if(at){
          cd=(at[ma[1]])?at[ma[1]]:1;cm=at[ma[2]]-1;cy=at[ma[3]];
          dte=new Date(cy,cm,cd);
          if(dte.getFullYear()!=cy||dte.getDate()!=cd||dte.getMonth()!=cm){err=true};
        }else{err=true}
      } else if (t==4){ // time
        ma=a[i+1].split("#");at=v.match(ma[0]);if(!at){err=true}
      } else if (t==5){ // check this 2
            if(o1.length)o1=o1[a[i+1].replace(/(.*\[)|(\].*)/ig,"")];
            if(!o1.checked){err=true}
      } else if (t==6){ // the same
            if(v!=MM_findObj(a[i+1]).value){err=true}
      }
    } else
    if (!o.type&&o.length>0&&o[0].type=='radio'){
          at = a[i].match(/(.*)\[(\d+)\].*/i);
          o2=(o.length>1)?o[at[2]]:o;
      if (t==1&&o2&&o2.checked&&o1&&o1.value.length/1==0){err=true}
      if (t==2){
        oo=false;
        for(j=0;j<o.length;j++){oo=oo||o[j].checked}
        if(!oo){s+='* '+a[i+3]+'\n'}
      }
    } else if (o.type=='checkbox'){
      if((t==1&&o.checked==false)||(t==2&&o.checked&&o1&&o1.value.length/1==0)){err=true}
    } else if (o.type=='select-one'||o.type=='select-multiple'){
      if(t==1&&o.selectedIndex/1==0){err=true}
    }else if (o.type=='textarea'){
      if(v.length<a[i+1]){err=true}
    }
    if (err){s+='* '+a[i+3]+'\n'; err=false}
  }
  if (s!=''){alert('The required information is incomplete or contains errors:\t\t\t\t\t\n\n'+s)}
  document.MM_returnValue = (s=='');
}
function show() 
{
	document.getElementById('menu').style.display='block';
}

function noshow()
{
	document.getElementById('menu').style.display='none';
}