function versTest()
{
var one = '';
var two = '';

if (
(navigator.appName.substring(0,8)=="Netscape" && (navigator.appVersion.substring(0,3) == "3.0" ||  navigator.appVersion.substring(0,3) =="4.0")))
{var one='true';}
if(
 (navigator.appName.substring(0,9) == "Microsoft" && navigator.appVersion.substring(0,3) == "3.0" && navigator.appVersion.indexOf("Macintosh")>=0))
{var two='true';}

if(one=='true' || two=='true' ||
(navigator.appName.substring(0,9) == "Microsoft" && navigator.appVersion.indexOf("MSIE 3.0")>=0 && 
navigator.appVersion.indexOf("Windows 3.1")>=0)
)
{return true;}
else
{return false;}

}

/* TESTS IF VERSION IS MSIE 3.0 FOR MAC */
function msTest()
{
if(navigator.appName.substring(0,9) == "Microsoft" && 		(navigator.appVersion.substring(0,3) == "3.0" && navigator.appVersion.indexOf("Macintosh")>=0))
{return true;}
else
{return false;}

}

function nineTest()
{
if(navigator.appName.substring(0,9) == "Microsoft" && (navigator.appVersion.substring(0,3)=="3.0" || navigator.appVersion.indexOf("MSIE 3.0")>=0) && (navigator.appVersion.indexOf("Macintosh")==-1 || navigator.appVersion.indexOf("Windows 3.1")== -1)
)
{return true;}
else
{return false;}
}

/* OPENS WINDOW USED TO DISPLAY HELP MESSAGES WHEN THE USER CLICKS ON A HELP BUTTON. 
THE HELP MESSAGE DISPLAYED IS DETERMINED IN THE ARRAY WHICH IS REFERENCED ACCORDING TO THE HELP BUTTON WHICH WAS CLICKED */
function winopen(name)
{
var linkit = "help/"+name;
if(versTest() == true||nineTest()==true){	
qc=window.open(linkit,'helpscreen','toolbar=no,location=no,directories=no,status=no,menubar=no,scrollbars=yes,resizable=no,width=500,height=200');
if(navigator.appName.substring(0,8) == "Netscape")
{qc.focus();}

}
else{location.href=linkit;}
}

function fnOpen(name)
{
  var url = 'help/'+name;
  window.open(url, 'helpscreen', 'width=500 height=500 scrollbars=1 resizeable=0');
}

function compAmort(MORTGAGE,INRATE,PAYMENTt,FREQ){

var form=document.paycalc;
var MORTGAGE=form.mtgamnt.value;
var AMORT= form.amortperiod.value;
var INRATE= form.intrate.value/100;
var RATE= form.intrate.value;
var COMPOUND = 2;

if(FREQ==2){
var returnpay = PAYMENTt*2.0;}
if(FREQ==3){
var returnpay = PAYMENTt*2.0;}
if(FREQ==4){
var returnpay = PAYMENTt*4.0;}

var wholecom = findAmort(1,1,MORTGAGE,INRATE,COMPOUND,returnpay,FREQ);
var solvecom = findAmort(wholecom,.001,MORTGAGE,INRATE,COMPOUND,returnpay,FREQ);
if(FREQ==2){

form.semiMonth.value= roundPen(solvecom,2);

return form.semiMonth.value;
}
if(FREQ==3){

form.AccelBi.value= roundPen(solvecom,2);
return form.AccelBi.value;
}
if(FREQ==4){
form.AccelWeek.value= roundPen(solvecom,2);
return form.AccelWeek.value;
}
}

function findAmort(q,n,MORTGAGE,RATE,COMPOUND,PAYMENTAG,FREQ){
var compound = COMPOUND/12;
var yrRate = RATE/COMPOUND;
var rdefine    = Math.pow((1.0 + yrRate),compound)-1.0;
var newpay = 1000000000;

if (FREQ==2) {
var p=12;

}
if (FREQ==3) {
var p=13;

}
if (FREQ==4) {
var p=13;

}

for(i=q;newpay>=PAYMENTAG;i=i+n){

var monTime = i * p;
var comfact = Math.pow((1.0 + rdefine),monTime);
var newpay = (MORTGAGE*rdefine * comfact)/  (comfact - 1.0);
}
return i-n-n;
}




/** function compPay			*/
/**											*/
/** This function computes the mortgage payment */
/**											*/

function compPay(){
var form=document.paycalc;
var MORTGAGE=form.mtgamnt.value;
var AMORT= form.amortperiod.value;
var INRATE= form.intrate.value/100;

if (form.mtgamnt.value!="" && form.intrate.value!="" && form.amortperiod.value!="") {

var compound = 2/12;
var monTime = AMORT * 12;


var yrRate = INRATE/2;
var rdefine = Math.pow((1.0 + yrRate),compound)-1.0;
var comfact = Math.pow((1.0 + rdefine),monTime);
var PAYMNT = (MORTGAGE*rdefine * comfact)/  (comfact - 1.0);
	
		var rPAYMENT = PAYMNT;
		
		var rPAYMENT2 = PAYMNT/2.0;
		
		var rPAYMENT3 = PAYMNT/4.0;
		
		
	
	form.payMonth.value=roundPen(rPAYMENT,2);
	
	}
else {}
}

/*  THE FOLLOWING TWO FUNCTIONS CHECK THAT ALL NUMERIC VALUES ARE REAL NUMBER AND REMOVE DOUBLE DECIMALS */

function check(a) 
{
   var pest = 0;
   var b = "";
   for(i=0;i<=a.length;i++)
   {
   var u = a.charAt(i);
      if((u>="0"&&u<="9")||u==".")
      {
      	if(u=="."){
      	var pest = pest+1;
      	if(pest==2){break;}}
var b = b + u;
}
}
return b;
}

function doSum(a){ 
   a.value = check(a.value);
}

/** function roundPen */
/**						*/
/** This function rounds the payment to pennies */

function roundPen(n,num)
{
if(n > 0){
var nums = num*1.0;
if(num==2){
pennies = n*100;}
if(num==3){
pennies = n*1000;}

pennies = Math.round(pennies);
strPennies = "" + pennies;
len = strPennies.length;
return strPennies.substring(0, len - nums) + "." + strPennies.substring(len - nums, len);
}
else return 0;
}

/* FUNCTION CONFIRMS THAT THE VALUE ENTERED INTO A FIELD FALLS WITHIN THE PRE-DETERMINED MINIMUM AND MAXIMUM VALUES, AND DISPLAYS AN ERROR MESSAGE WITH THE ALLOWABLE NUMERIC RANGE FOR THE FIELD DATA IN A POP UP VALIDATION WINDOW */
function checkNumber(quest,input, min, max, msg)
{
    var str = input.value;
    for (var i = 0; i < str.length; i++) {
        var ch = str.substring(i, i + 1)
        if ((ch < "0" || "9" < ch) && ch != '.') {
            alert(msg);
            return false;
        }
    }
    if(input.value!="")
    {
    var num = 0 + str
    if (num < min || max < num) {
    var sendn = "Question " + quest + ": ("+ msg + ")";
    var sendq = "You have entered " + input.value + ". Please enter a number between " + min + " and " + max + ".";
  fixpro(sendn,sendq);

        return false;
    }
    input.value = str;
    return true;
    }
}

/* CALLS UPON THE FUNCTIONS TO DETERMINE IF THE NUMBERS ENTERED ARE VALID AND TO CALCULATE THE RESULTS OF THE ENTERED DATA FOR EXAMPLE - MORTGAGE PAYMENT, GDS AND TDS RATIOS, AND LOAN TO VALUE. THIS FUNCTION IS EXECUTED EVERYTIME A VALUE IS CHANGED IN A FIELD */
function computeField(quest,input,min,max,msage)
{
       doSum(input);
checkNumber(quest,input,min,max,msage);
} 


/* VALIDATES ALL THE FIELDS AND CALCULATES VALUES TO BE ENTERED INTO THE TEXT BOXES AT THE BOTTOM OF THE PAGE WHEN THE USER CLICKS ON COMPUTE OR COMPUTE AMORTIZATION */
function compute(form){
var testNum=0;
if((document.paycalc.mtgamnt.value == null || document.paycalc.mtgamnt.value.length==0) || (document.paycalc.mtgamnt.value*1.0 < 10000 || document.paycalc.mtgamnt.value*1.0 > 1000000)){
fixpro('Question 1: (Amount of Loan)','Please enter a number between 10,000 and 1,000,000.');testNum=1;}

if((document.paycalc.amortperiod.value == null|| document.paycalc.amortperiod.value.length == 0)|| (document.paycalc.amortperiod.value*1.0 < 1|| document.paycalc.amortperiod.value*1.0 > 40) )
{fixpro('Question 2: (Term)','Please enter a number between 1 and 40.');testNum=1;}


if((document.paycalc.intrate.value == null || document.paycalc.intrate.value.length == 0)|| (document.paycalc.intrate.value*1.0 < 2 || document.paycalc.intrate.value*1.0 > 25)){
fixpro('Question 3: (Interest Rate)','Please enter a number between 2.0 and 25.0.');testNum=1;}


if(testNum==0){compPay();}
}

function computeForm()
{
if(navigator.appVersion.substring(0,3) == 2.0 &&  navigator.appName.substring(0,8)=="Netscape" && navigator.appVersion.indexOf("Macintosh")>=0){
	setTimeout("compute(document.forms[0])",200);
}
else{compute(document.forms[0]);}
}

/* OPENS WINDOW USED TO DISPLAY HELP MESSAGES WHEN THE USER CLICKS ON A HELP BUTTON. THE HELP MESSAGE DISPLAYED IS DETERMINED IN THE ARRAY WHICH IS REFERENCED ACCORDING TO THE HELP BUTTON WHICH WAS CLICKED */
function winopen(name)
{
var linkit = "help/"+name;
if(versTest() == true||nineTest()==true){	
qc=window.open(linkit,'helpscreen','toolbar=no,location=no,directories=no,status=no,menubar=no,scrollbars=yes,resizable=no,width=250,height=180');
if(navigator.appName.substring(0,8) == "Netscape")
{qc.focus();}

}
else{location.href=linkit;}
}
/* OPENS POP UP WINDOW TO DISPLAY VALIDATION MESSAGES IN NETSCAPE 3.0 AND 4.0 */

function fixpro(n,q)
{
	if(versTest() == true){
		if(msTest()==true){
			var winNam='';
		}
		else{
			var slash = location.href.lastIndexOf("/")+1;
			var filNam = location.href.substring(0,slash);
			var winNam = filNam+'maxem.php';
		}
fix = window.open(winNam,'FIX','toolbar=no,location=no,directories=no,status=no,menubar=no,scrollbars=yes,resizable=no,width=300,height=100');
if(navigator.appName.substring(0,8) == "Netscape"){
			fix.focus();
		}
fix.document.write('<html><head><title>OME</title>');
fix.document.write('</head><body bgcolor=ffffff><form name=fixer>');
fix.document.write('<font size=2 face="Trebuchet MS, Helvetica" color=0000FF>'+n+'</font><p><FONT SIZE=2 FACE="Trebuchet MS, Helvetica">'+q+'<p>');
fix.document.write('<center><input type=button value=OK onClick=self.close()>');
fix.document.write('</center></form></body></html>');
fix.document.close();
}
else{alert(n+'\n'+q)}
}

function browTest()
{
if((navigator.appVersion.substring(0,3) == 3.0 || navigator.appVersion.substring(0,3) == 4.0)&& navigator.appName.substring(0,8)=="Netscape"){
	return true;
}
else{
	return false;
}
}

function makeImg()
{
if(browTest()==true){
Img = new Image();
Img.src = "graphics/back_on.gif"; 
document.images.Back_button.src=Img.src;
}
else{}
} 

function clearImg()
{
if(browTest()==true){
OrImg= new Image();
OrImg.src="graphics/back_off.gif";
document.images.Back_button.src=OrImg.src;
}
else{}
}

function loadImg()
{
if(browTest()==true){
Img = new Image();
Img.src = "graphics/back_on.gif"
}
else{}
}