//Currency and percent format

function FormatPercent (fdvar)
{
fdvar = RemoveFormat2(fdvar)
var ValidChars = ".0123456789";
var IsNumber=true;
var Char;
for (i = 0; i < fdvar.length && IsNumber == true; i++) 
	{ 
		Char = fdvar.charAt(i); 
		if (ValidChars.indexOf(Char) == -1) 
			{
	     	fdvar = "0%"
	     	}
	}

	if((fdvar == "") || (fdvar == " ") || (fdvar == "%"))
	{
	fdvar = fdvar.replace(/ /g, "");
	fdvar = fdvar.replace(/\$/g, "");
	fdvar = fdvar.replace(/,/g, "");
	fdvar = fdvar.replace(/%/g, "");
	return fdvar;
	}
	else
	{
	fdvar = fdvar.replace(/ /g, "");
	fdvar = fdvar.replace(/\$/g, "");
	fdvar = fdvar.replace(/,/g, "");
	fdvar = fdvar.replace(/%/g, "");
	
		
		return fdvar + '%';
			}
}

function FormatCurrency (fdvar) {

	fdvar = fdvar.toString().replace(/\$|\,/g,'');
	if(isNaN(fdvar))
	fdvar = "0";
	sign = (fdvar == (fdvar = Math.abs(fdvar)));
	fdvar = Math.floor(fdvar*100+0.50000000001);
	cents = fdvar%100;
	fdvar = Math.floor(fdvar/100).toString();
	if(cents<10)
	cents = "0" + cents;
	for (var i = 0; i < Math.floor((fdvar.length-(1+i))/3); i++)
	fdvar = fdvar.substring(0,fdvar.length-(4*i+3))+','+
	fdvar.substring(fdvar.length-(4*i+3));
	fdvar = (((sign)?'':'-') + '$' + fdvar + '.' + cents);

		if (fdvar.indexOf("-") == "0")
		{
		fdvar = fdvar.replace(/-/g, "");
		return '(' + fdvar + ')'
		}
		else
		{
		return fdvar;
		}
		
	}
			
function RemoveFormat2 (fdvar)
{
fdvar = fdvar.replace(/ /g, "");
fdvar = fdvar.replace(/\(/g, "-");
fdvar = fdvar.replace(/\)/g, "");
fdvar = fdvar.replace(/\$/g, "");
fdvar = fdvar.replace(/,/g, "");
fdvar = fdvar.replace(/%/g, "");
return fdvar;
}


// Buying and Renting calculation starts

function floor(number)
{return Math.floor(number*Math.pow(10,2))/Math.pow(10,2);}

function computeForm_br() {
//GET RENTAL INFO
var VmoRent_br = document.getElementById("moRent_br").value;
VmoRent_br = VmoRent_br.replace(/\$/g, "");
VmoRent_br = VmoRent_br.replace(/,/g, "");
VmoRent_br = VmoRent_br.replace(/%/g, "");

var VhomeCost_br = document.getElementById("homeCost_br").value;
VhomeCost_br = VhomeCost_br.replace(/\$/g, "");
VhomeCost_br = VhomeCost_br.replace(/,/g, "");
VhomeCost_br = VhomeCost_br.replace(/%/g, "");

var VnoYears_br = document.getElementById("noYears_br").value;
VnoYears_br = VnoYears_br.replace(/\$/g, "");
VnoYears_br = VnoYears_br.replace(/,/g, "");
VnoYears_br = VnoYears_br.replace(/%/g, "");

//GET LOAN INFO
var i_br = document.getElementById("payRate_br").value;
i_br = i_br.replace(/\$/g, "");
i_br = i_br.replace(/,/g, "");
i_br = i_br.replace(/%/g, "");

//GET TIME INFO & CONVERT TO MONTHS
var VstayYrs_br = document.getElementById("stayYrs_br").value;
VstayYrs_br = VstayYrs_br.replace(/\$/g, "");
VstayYrs_br = VstayYrs_br.replace(/,/g, "");
VstayYrs_br = VstayYrs_br.replace(/%/g, "");

if(VmoRent_br == "" || VmoRent_br == 0) {
   alert("Please enter your Rent (Monthly).");
   	  document.getElementById("moRent_br").focus();
   } else
      if(VhomeCost_br == "" || VhomeCost_br == 0) {
      alert("Please enter the Purchase Price.");
      document.getElementById("homeCost_br").focus();
   } else
      if(VnoYears_br == "" || VnoYears_br == 0) {
      alert("Please enter the Loan Term.");
      document.getElementById("noYears_br").focus();
   } else
      if(i_br == "" || i_br == 0) {
      alert("Please enter the Interest Rate (Annual).");
      document.getElementById("payRate_br").focus();
   } else
      if(VstayYrs_br == "" || VstayYrs_br == 0) {
      alert("Please enter the number of Years for this comparison.");
      document.getElementById("payRate_br").focus();
   } else {

//GET RENTAL INFO

var VtotRent_br = 0;




var VmoRentIns_br = document.getElementById("moRentIns_br").value;
VmoRentIns_br = VmoRentIns_br.replace(/\$/g, "");
VmoRentIns_br = VmoRentIns_br.replace(/,/g, "");
VmoRentIns_br = VmoRentIns_br.replace(/%/g, "");
if(VmoRentIns_br == "" || VmoRentIns_br == 0) {
VmoRentIns_br = 0;
}

var VinflateRate_br = document.getElementById("inflateRate_br").value;
VinflateRate_br = VinflateRate_br.replace(/\$/g, "");
VinflateRate_br = VinflateRate_br.replace(/,/g, "");
VinflateRate_br = VinflateRate_br.replace(/%/g, "");
if(VinflateRate_br == "" || VinflateRate_br == 0) {
VinflateRate_br = 0;
} else
if(VinflateRate_br >= 1) {
VinflateRate_br = VinflateRate_br / 100;
}
VinflateRate_br = eval(VinflateRate_br) + eval(1);

//GET TIME INFO & CONVERT TO MONTHS

var VstayMonths_br = VstayYrs_br * 12;
var count_br = 0;

//GET LOAN INFO


if (i_br > 1.0) {
  i_br = i_br / 100.0;
 }
i_br /= 12;



var VdownPmt_br = document.getElementById("downPmt_br").value;
VdownPmt_br = VdownPmt_br.replace(/\$/g, "");
VdownPmt_br = VdownPmt_br.replace(/,/g, "");
VdownPmt_br = VdownPmt_br.replace(/%/g, "");

var VorigPrin_br = eval(VhomeCost_br) - eval(VdownPmt_br);
var intPort_br = 0;
var VaccumInt_br = 0;
var prinPort_br = 0;
var prin = VorigPrin_br;

//CALULCATE MONTHLY MORTGAGE PAYMENT
var noMonths_br = VnoYears_br * 12;

var pow_br = 1;
for (var j_br = 0; j_br < noMonths_br; j_br++)
   pow_br = pow_br * (1 + i_br);

var VmoPmt_br = (VorigPrin_br * pow_br * i_br) / (pow_br - 1);

//GET HOME APPRECIATION INFO
var VapprecRate_br = document.getElementById("apprecRate_br").value;
VapprecRate_br = VapprecRate_br.replace(/\$/g, "");
VapprecRate_br = VapprecRate_br.replace(/,/g, "");
VapprecRate_br = VapprecRate_br.replace(/%/g, "");

if(VapprecRate_br == "" || VapprecRate_br == 0) {
VapprecRate_br = 0;
} else
if(VapprecRate_br >= 0) {
VapprecRate_br = VapprecRate_br / 100;
}
VapprecRate_br = eval(VapprecRate_br) + eval(1);
var VaccumApprec_br = VhomeCost_br * VapprecRate_br;

//GET PMI (PRIVATE MORTGAGE INSURANCE) INFO
var Vpmi_br = document.getElementById("pmi_br").value;
Vpmi_br = Vpmi_br.replace(/\$/g, "");
Vpmi_br = Vpmi_br.replace(/,/g, "");
Vpmi_br = Vpmi_br.replace(/%/g, "");

if(Vpmi_br == 0 || Vpmi_br == "") {
Vpmi_br = 0;
} else
if(Vpmi_br >= .01) {
Vpmi_br = Vpmi_br / 100;
}
Vpmi_br = Vpmi_br / 12;
var pmiYN_br = 0;
var VaccumPmi_br = 0;
var downPayPerc_br = VdownPmt_br / VhomeCost_br;
if(downPayPerc_br < .20) {
pmiYN_br = 1;
var VaccumPmi_br = 0;
}

//*******CALCULATE CLOSING COSTS

//POINTS
var Vfees_br = document.getElementById("fees_br").value;
Vfees_br = Vfees_br.replace(/\$/g, "");
Vfees_br = Vfees_br.replace(/,/g, "");
Vfees_br = Vfees_br.replace(/%/g, "");

if(Vfees_br == 0 || Vfees_br == "") {
Vfees_br = 0;
} else
if(Vfees_br >= 1 ) {
Vfees_br = Vfees_br / 100;
}
var VfeeCost_br = VorigPrin_br * Vfees_br;

//ORIGINATION FEE
var Vpoints_br = document.getElementById("points_br").value;
Vpoints_br = Vpoints_br.replace(/\$/g, "");
Vpoints_br = Vpoints_br.replace(/,/g, "");
Vpoints_br = Vpoints_br.replace(/%/g, "");

if(Vpoints_br == 0 || Vpoints_br == "") {
Vpoints_br = 0;
} else
if(Vpoints_br >= 1 ) {
Vpoints_br = Vpoints_br / 100;
}
var VpointCost_br = VorigPrin_br * Vpoints_br;

//OTHER LOAN COSTS
var VloanCosts_br= document.getElementById("loanCosts_br").value;
VloanCosts_br = VloanCosts_br.replace(/\$/g, "");
VloanCosts_br = VloanCosts_br.replace(/,/g, "");
VloanCosts_br = VloanCosts_br.replace(/%/g, "");

if(VloanCosts_br == 0 || VloanCosts_br == "") {
VloanCosts_br = 0;
}

//TOTAL CLOSING COSTS
var VclosingCosts_br = eval(VpointCost_br) + eval(VfeeCost_br) + eval(VloanCosts_br);

//GET INVESTMENT INFO
var VinvestIntPort_br = 0;
var VinvestPrin_br = eval(VdownPmt_br) + eval(VclosingCosts_br);

var earnInt_br = document.getElementById("saveRate_br").value;
earnInt_br = earnInt_br.replace(/\$/g, "");
earnInt_br = earnInt_br.replace(/,/g, "");
earnInt_br = earnInt_br.replace(/%/g, "");

if (earnInt_br > 1.0) {
  earnInt_br = earnInt_br / 100.0;
 }
earnInt_br /= 12;

//INITIATE INFLATION FACTOR
var VaccumInflate_br = 1;

//*****CYCLE THROUGH NUMBER OF MONTHS
while(count_br < VstayMonths_br) {

//ACCUMULATE RENT PAYMENTS & INSURANCE & APPRECIATION
if(count_br > 0 && count_br % 12 == 0) {
VaccumApprec_br = VaccumApprec_br * VapprecRate_br;
VmoRent_br = VmoRent_br * VinflateRate_br;
VaccumInflate_br = VaccumInflate_br * VinflateRate_br;
}
VtotRent_br = eval(VtotRent_br) + eval(VmoRent_br);
VtotRent_br = eval(VtotRent_br) + eval(VmoRentIns_br);

//ACCUMULATE INTEREST PAYMENTS
if(count_br < noMonths_br) {
   intPort_br = prin * i_br;
   VaccumInt_br = eval(VaccumInt_br) + eval(intPort_br)
   prinPort_br = eval(VmoPmt_br) - eval(intPort_br);
   prin = eval(prin) - eval(prinPort_br);
}

//IF PMI APPLICABLE, ACCUMULATE
if(pmiYN_br == 1) {
VaccumPmi_br = eval(VaccumPmi_br) + eval(Vpmi_br * prin);
}

//AMORTIZE INVESTED DOWNPAYMENT AND CLOSING COSTS
VinvestIntPort_br = earnInt_br * VinvestPrin_br;
VinvestPrin_br = eval(VinvestPrin_br) + eval(VinvestIntPort_br);

//INCREASE COUNT
count_br = eval(count_br) + eval(1);
}

//CALCULATE TOTAL ASSOCIATION DUES
var VassocDues_br = document.getElementById("assocDues_br").value;
VassocDues_br = VassocDues_br.replace(/\$/g, "");
VassocDues_br = VassocDues_br.replace(/,/g, "");
VassocDues_br = VassocDues_br.replace(/%/g, "");

if(VassocDues_br == "" || VassocDues_br == 0) {
VassocDues_br = 0;
}
var VtotAssocDues_br = VassocDues_br * VstayYrs_br * VaccumInflate_br;

//CALCULATE TOTAL PROPERTY TAXES
var VpropTax_br = document.getElementById("propTax_br").value;
VpropTax_br = VpropTax_br.replace(/\$/g, "");
VpropTax_br = VpropTax_br.replace(/,/g, "");
VpropTax_br = VpropTax_br.replace(/%/g, "");

if(VpropTax_br == "" || VpropTax_br == 0) {
VpropTax_br = 0;
}
var VtotPropTax_br = VpropTax_br * VstayYrs_br * VaccumInflate_br;

//CALCULATE TOTAL MAINTENANCE COSTS
var Vmaint_br = document.getElementById("maint_br").value;
Vmaint_br = Vmaint_br.replace(/\$/g, "");
Vmaint_br = Vmaint_br.replace(/,/g, "");
Vmaint_br = Vmaint_br.replace(/%/g, "");

if(Vmaint_br == "" || Vmaint_br == 0) {
Vmaint_br = 0;
}
var VtotMaintCost_br = Vmaint_br * 12 * VstayYrs_br * VaccumInflate_br;

//CALCULATE TOTAL HOMEOWNER INSURANCE COSTS
var VhomeIns_br = document.getElementById("homeIns_br").value;
VhomeIns_br = VhomeIns_br.replace(/\$/g, "");
VhomeIns_br = VhomeIns_br.replace(/,/g, "");
VhomeIns_br = VhomeIns_br.replace(/%/g, "");

if(VhomeIns_br == "" || VhomeIns_br == 0) {
VhomeIns_br = 0;
} else
if(VhomeIns_br >= .01) {
VhomeIns_br = VhomeIns_br / 100;
}
var VtotHomeInsCost_br = VhomeIns_br * VhomeCost_br * VstayYrs_br * VaccumInflate_br;

//CALCULATE NET GAIN ON HOME
var VnetGain_br = eval(VaccumApprec_br) - eval(VhomeCost_br);

//CALCULATE TAX SAVINGS ON INTEREST, POINTS AND PROPERTY TAXES
var VtotTaxDeduct_br = eval(VaccumInt_br) + eval(VtotPropTax_br) + eval(VfeeCost_br);
var VincomeTax_br = document.getElementById("incomeTax_br").value;
VincomeTax_br = VincomeTax_br.replace(/\$/g, "");
VincomeTax_br = VincomeTax_br.replace(/,/g, "");
VincomeTax_br = VincomeTax_br.replace(/%/g, "");

if(VincomeTax_br == 0 || VincomeTax_br == "") {
VincomeTax_br = 0;
} else
if(VincomeTax_br >= 1) {
VincomeTax_br = VincomeTax_br / 100;
}
var VtotTaxSave_br = VincomeTax_br * VtotTaxDeduct_br;

//CALCULATE REALTOR COMMISSION ON SALE OF HOME
var VrealtorCom_br = document.getElementById("realtorCom_br").value;
VrealtorCom_br = VrealtorCom_br.replace(/\$/g, "");
VrealtorCom_br = VrealtorCom_br.replace(/,/g, "");
VrealtorCom_br = VrealtorCom_br.replace(/%/g, "");


if(VrealtorCom_br == 0 || VrealtorCom_br == "") {
VrealtorCom_br = 0;
} else
if(VrealtorCom_br >= 1) {
VrealtorCom_br = VrealtorCom_br / 100;
}
var VsellCost_br = VaccumApprec_br * VrealtorCom_br;

//CALCULATE NET EARNINGS ON INVESTMENT
var VinvestEarn_br = eval(VinvestPrin_br) - eval(VdownPmt_br) - eval(VclosingCosts_br);

document.getElementById("totRent_br").value = VtotRent_br;
document.getElementById("moPmt_br").value = VmoPmt_br;
document.getElementById("accumInt_br").value = VaccumInt_br;
document.getElementById("closeCosts_br").value = VclosingCosts_br;
document.getElementById("totPropTax_br").value = VtotPropTax_br;
document.getElementById("totMaintCost_br").value = VtotMaintCost_br;
document.getElementById("totHomeInsCost_br").value = VtotHomeInsCost_br;
document.getElementById("netGain_br").value = VnetGain_br;
document.getElementById("pmiCost_br").value = VaccumPmi_br;
document.getElementById("investPrin_br").value = VinvestEarn_br;
document.getElementById("totAssocDues_br").value = VtotAssocDues_br;
document.getElementById("totTaxSave_br").value = VtotTaxSave_br;
document.getElementById("sellCost_br").value = VsellCost_br;

var VtotRentCosts_br = VtotRent_br;
document.getElementById("totRentCosts_br").value = VtotRentCosts_br;
var VtotRentBenefits_br = VinvestEarn_br;
document.getElementById("totRentBenefits_br").value = VtotRentBenefits_br;
var VnetRentCost_br = eval(VtotRent_br) - eval(VinvestEarn_br);

var VtotBuyCosts_br = eval(VaccumInt_br) + eval(VclosingCosts_br) + eval(VtotPropTax_br) + eval(VtotMaintCost_br) + eval(VtotHomeInsCost_br) 

+ eval(VaccumPmi_br) + eval(VtotAssocDues_br) + eval(VsellCost_br);
document.getElementById("totBuyCosts_br").value = VtotBuyCosts_br;

var VtotBuyBenefits_br = eval(VnetGain_br) + eval(VtotTaxSave_br);
document.getElementById("totBuyBenefits_br").value = VtotBuyBenefits_br;
var VnetBuyCost_br = eval(VtotBuyCosts_br) - eval(VtotBuyBenefits_br);


document.getElementById("netRentCost_br").value = FormatCurrency(Math.round(VnetRentCost_br));
document.getElementById("netBuyCost_br").value = FormatCurrency(Math.round(VnetBuyCost_br));

var diff_br = 0;
var Vsummary_br = "";
if(VnetRentCost_br > VnetBuyCost_br) {
diff_br = eval(VnetRentCost_br) - eval(VnetBuyCost_br);
Vsummary_br = "You will save " + FormatCurrency(Math.round(diff_br)) + " if you buy instead of rent."
} else {
diff_br = eval(VnetBuyCost_br) - eval(VnetRentCost_br);
Vsummary_br = "You will save " + FormatCurrency(Math.round(diff_br)) + " if you rent instead of buy."
}

//document.getElementById("results_br").value = Vsummary_br;
document.getElementById("results_br").innerHTML = Vsummary_br;
}

}

//Buying and Renting calculation ends


// Home Afordability Calculation starts

function sum1_hr()
{ 
 // form=document.af;
  ai_hr=document.getElementById("ai_hr").value;
  ai_hr = ai_hr.replace(/\$/g, "");
  ai_hr = ai_hr.replace(/,/g, "");
  ai_hr = ai_hr.replace(/%/g, "");

  

  tx1_hr=document.getElementById("tx1_hr").value;
  tx1_hr = tx1_hr.replace(/\$/g, "");
  tx1_hr = tx1_hr.replace(/,/g, "");
  tx1_hr = tx1_hr.replace(/%/g, "");
  
  ins1_hr=document.getElementById("ins1_hr").value; 
  ins1_hr = ins1_hr.replace(/\$/g, "");
  ins1_hr = ins1_hr.replace(/,/g, "");
  ins1_hr = ins1_hr.replace(/%/g, "");
    
  tx2_hr = tx1_hr/12;
  ins2_hr = ins1_hr/12;  
  mi_hr=ai_hr/12;
  mxp2_hr=(mi_hr*.33)
  mxa_hr=mi_hr*.38
  cc_hr=document.getElementById("cc_hr").value;
  cc_hr = cc_hr.replace(/\$/g, "");
  cc_hr = cc_hr.replace(/,/g, "");
  cc_hr = cc_hr.replace(/%/g, "");
  
  au_hr=document.getElementById("au_hr").value;
  au_hr = au_hr.replace(/\$/g, "");
  au_hr = au_hr.replace(/,/g, "");
  au_hr = au_hr.replace(/%/g, "");
  
  hh_hr=document.getElementById("hh_hr").value;
  hh_hr = hh_hr.replace(/\$/g, "");
  hh_hr = hh_hr.replace(/,/g, "");
  hh_hr = hh_hr.replace(/%/g, "");
  
  ot_hr=document.getElementById("ot_hr").value;
  ot_hr = ot_hr.replace(/\$/g, "");
  ot_hr = ot_hr.replace(/,/g, "");
  ot_hr = ot_hr.replace(/%/g, "");
  
  document.getElementById("tx2_hr").value= FormatCurrency(Math.round(tx2_hr));
  document.getElementById("ins2_hr").value=FormatCurrency(Math.round(ins2_hr)); 
  exps_hr= parseInt(cc_hr) + parseInt(au_hr) + parseInt(hh_hr) + parseInt(ot_hr);   
  
  document.getElementById("mi_hr").value=mi_hr;  
  
  mxp1_hr=mxa_hr-exps_hr;

  if (mxp1_hr < mxp2_hr) 
  {
	mp_hr=mxp1_hr;
  } 
  else 
  {
	mp_hr=mxp2_hr;
  } 
  ml_hr= mp_hr
  document.getElementById("ml_hr").value = ml_hr;
  mp_hr = Math.round(mp_hr);
  mp_hr = mp_hr - parseInt(tx2_hr) - parseInt(ins2_hr);
  document.getElementById("mp_hr").value = mp_hr;
  
  dp_hr=document.getElementById("dp_hr").value;
  dp_hr = dp_hr.replace(/\$/g, "");
  dp_hr = dp_hr.replace(/,/g, "");
  dp_hr = dp_hr.replace(/%/g, "");

  i1_hr=document.getElementById("i1_hr").value;
  i1_hr = i1_hr.replace(/\$/g, "");
  i1_hr = i1_hr.replace(/,/g, "");
  i1_hr = i1_hr.replace(/%/g, "");
  i1_hr = i1_hr/100;
  
  t1_hr=document.getElementById("t1_hr").value;
  t1_hr = t1_hr.replace(/\$/g, "");
  t1_hr = t1_hr.replace(/,/g, "");
  t1_hr = t1_hr.replace(/%/g, "");
  
  i2_hr=i1_hr/12;
  t2_hr=t1_hr*12; 
  
  prin_hr=((1-Math.pow((1+i2_hr),(-1*t2_hr)))*mp_hr)/i2_hr;  
  prin2_hr=Math.floor(prin_hr*100)/100
  prin_hr=prin2_hr
  
  ln_hr = parseInt(prin_hr) + parseInt(dp_hr);  
  
  
  document.getElementById("ln_hr").value = FormatCurrency(Math.round(ln_hr));
  document.getElementById("ml_hr").value = FormatCurrency(Math.round(ml_hr));  
  document.getElementById("mp_hr").value = FormatCurrency(Math.round(mp_hr));
  document.getElementById("prin_hr").value = FormatCurrency(Math.round(prin_hr));
  
  document.getElementById("mxp1_hr").value = floor(mxp1_hr);
  document.getElementById("mxp2_hr").value = floor(mxp2_hr);
  
  document.getElementById("mxa_hr").value = floor(mxa_hr);
  document.getElementById("exps_hr").value = floor(exps_hr);

}


// Home Afordability Calculation Ends


//Mortgage Payment Calculation Starts

function sum1_mp()
{
  var int2_mp = document.getElementById("int1_mp").value;
  int2_mp = int2_mp.replace(/\$/g, "");
  int2_mp = int2_mp.replace(/,/g, "");
  int2_mp = int2_mp.replace(/%/g, "");
  int2_mp = int2_mp/1200;
  
  var first_mp = 1;
  var second_mp = 1 + int2_mp;
  
  //updated: January 31, 2007
  //NPatel
  var la_mp = document.getElementById("la_mp").value;
  la_mp = la_mp.replace(/\$/g, "");
  la_mp = la_mp.replace(/,/g, "");
  la_mp = la_mp.replace(/%/g, "");
  
  var il_mp = document.getElementById("i1_mp").value;
  il_mp = il_mp.replace(/\$/g, "");
  il_mp = il_mp.replace(/,/g, "");
  il_mp = il_mp.replace(/%/g, "");
  
  var t1_mp = document.getElementById("t1_mp").value;
  t1_mp = t1_mp.replace(/\$/g, "");
  t1_mp = t1_mp.replace(/,/g, "");
  t1_mp = t1_mp.replace(/%/g, "");
  
  for (i=0; i<document.getElementById("term_mp").value * 12; i++)
  {first_mp = first_mp * second_mp}
  document.getElementById("p2_mp").value = FormatCurrency(floor(la_mp * int2_mp / ( 1 - (1/first_mp))))
  document.getElementById("i2_mp").value = FormatCurrency(floor(il_mp / 12))
  document.getElementById("t2_mp").value = FormatCurrency(floor(t1_mp / 12))
  var sum2_mp = la_mp * int2_mp / ( 1 - (1/first_mp)) + 
  t1_mp / 12 +
  il_mp / 12;
  document.getElementById("piti_mp").value = FormatCurrency(floor(sum2_mp)); 
}

//Mortgage Payment Calculation Ends

//Refinance Analysis Calculation Starts

function computeForm_ar() {

var accumPrincipal = 0;
var accumCost = 0;
var accumPmtAmt = 0;
var accumPmts = 0;
var accumDebts = 0;
var reportRows = "";

//BEGIN DEBT NUMBER 1
var VD1 = document.getElementById("D1_ar").value;
VD1 = VD1.replace(/\$/g, "");
VD1 = VD1.replace(/,/g, "");
VD1 = VD1.replace(/%/g, "");

var Vprin1 = document.getElementById("prin1_ar").value;
Vprin1 = Vprin1.replace(/\$/g, "");
Vprin1 = Vprin1.replace(/,/g, "");
Vprin1 = Vprin1.replace(/%/g, "");

var VintRate1 = document.getElementById("intRate1_ar").value;
VintRate1 = VintRate1.replace(/\$/g, "");
VintRate1 = VintRate1.replace(/,/g, "");
VintRate1 = VintRate1.replace(/%/g, "");

var Vpmt1 = document.getElementById("pmt1_ar").value;
Vpmt1 = Vpmt1.replace(/\$/g, "");
Vpmt1 = Vpmt1.replace(/,/g, "");
Vpmt1 = Vpmt1.replace(/%/g, "");

var VtotCost1 = 0;
var Vnpr1 = 0;

if(Vprin1.length > 0 && VintRate1 > 0 && Vpmt1 > 0) {
VtotCost1 = computeCost(VD1,Vprin1,VintRate1,Vpmt1);
document.getElementById("cost1_ar").value = floor(VtotCost1);
Vnpr1 = computeTerm(VD1,Vprin1,VintRate1,Vpmt1);
accumPmts = Vnpr1;
document.getElementById("npr1_ar").value = floor(accumPmts);
accumCost = VtotCost1;
accumPrincipal = Vprin1;
accumPmtAmt = Vpmt1;
accumDebts++;

var intRate1_ar = document.getElementById("intRate1_ar").value;
intRate1_ar = intRate1_ar.replace(/\$/g, "");
intRate1_ar = intRate1_ar.replace(/,/g, "");
intRate1_ar = intRate1_ar.replace(/%/g, "");

var cost1_ar = document.getElementById("cost1_ar").value;
cost1_ar = cost1_ar.replace(/\$/g, "");
cost1_ar = cost1_ar.replace(/,/g, "");
cost1_ar = cost1_ar.replace(/%/g, "");

var npr1_ar = document.getElementById("npr1_ar").value;
npr1_ar = npr1_ar.replace(/\$/g, "");
npr1_ar = npr1_ar.replace(/,/g, "");
npr1_ar = npr1_ar.replace(/%/g, "");

reportRow1 = createRow(VD1,Vprin1,intRate1_ar,Vpmt1,cost1_ar,npr1_ar);
reportRows = "" + reportRows + "" + reportRow1 + "";
}
//END DEBT NUMBER 1

//BEGIN DEBT NUMBER 2
var VD2 = document.getElementById("D2_ar").value;
VD2 = VD2.replace(/\$/g, "");
VD2 = VD2.replace(/,/g, "");
VD2 = VD2.replace(/%/g, "");

var Vprin2 = document.getElementById("prin2_ar").value;
Vprin2 = Vprin2.replace(/\$/g, "");
Vprin2 = Vprin2.replace(/,/g, "");
Vprin2 = Vprin2.replace(/%/g, "");

var VintRate2 = document.getElementById("intRate2_ar").value;
VintRate2 = VintRate2.replace(/\$/g, "");
VintRate2 = VintRate2.replace(/,/g, "");
VintRate2 = VintRate2.replace(/%/g, "");

var Vpmt2 = document.getElementById("pmt2_ar").value;
Vpmt2 = Vpmt2.replace(/\$/g, "");
Vpmt2 = Vpmt2.replace(/,/g, "");
Vpmt2 = Vpmt2.replace(/%/g, "");

var VtotCost2 = 0;
var Vnpr2 = 0;

if(Vprin2.length > 0 && VintRate2 > 0 && Vpmt2 > 0) {
   VtotCost2 = computeCost(VD2,Vprin2,VintRate2,Vpmt2);
   document.getElementById("cost2_ar").value = floor(VtotCost2);
   Vnpr2 = computeTerm(VD2,Vprin2,VintRate2,Vpmt2);
   document.getElementById("npr2_ar").value = floor(Vnpr2);
   if(Vnpr2 > accumPmts) {
      accumPmts = Vnpr2;
      }
   accumCost = eval(accumCost) + eval(VtotCost2);
   accumPrincipal = eval(accumPrincipal) + eval(Vprin2);
   accumPmtAmt = eval(accumPmtAmt) + eval(Vpmt2);
accumDebts++;

var intRate2_ar = document.getElementById("intRate2_ar").value;
intRate2_ar = intRate2_ar.replace(/\$/g, "");
intRate2_ar = intRate2_ar.replace(/,/g, "");
intRate2_ar = intRate2_ar.replace(/%/g, "");

var cost2_ar = document.getElementById("cost2_ar").value;
cost2_ar = cost2_ar.replace(/\$/g, "");
cost2_ar = cost2_ar.replace(/,/g, "");
cost2_ar = cost2_ar.replace(/%/g, "");

var npr2_ar = document.getElementById("npr2_ar").value;
npr2_ar = npr2_ar.replace(/\$/g, "");
npr2_ar = npr2_ar.replace(/,/g, "");
npr2_ar = npr2_ar.replace(/%/g, "");

reportRow2 = createRow(VD2,Vprin2,intRate2_ar,Vpmt2,cost2_ar,npr2_ar);
reportRows = "" + reportRows + "" + reportRow2 + "";
}
//END DEBT NUMBER 2

//BEGIN DEBT NUMBER 3
var VD3 = document.getElementById("D3_ar").value;
VD3 = VD3.replace(/\$/g, "");
VD3 = VD3.replace(/,/g, "");
VD3 = VD3.replace(/%/g, "");

var Vprin3 = document.getElementById("prin3_ar").value;
Vprin3 = Vprin3.replace(/\$/g, "");
Vprin3 = Vprin3.replace(/,/g, "");
Vprin3 = Vprin3.replace(/%/g, "");

var VintRate3 = document.getElementById("intRate3_ar").value;
VintRate3 = VintRate3.replace(/\$/g, "");
VintRate3 = VintRate3.replace(/,/g, "");
VintRate3 = VintRate3.replace(/%/g, "");

var Vpmt3 = document.getElementById("pmt3_ar").value;
Vpmt3 = Vpmt3.replace(/\$/g, "");
Vpmt3 = Vpmt3.replace(/,/g, "");
Vpmt3 = Vpmt3.replace(/%/g, "");

var VtotCost3 = 0;
var Vnpr3 = 0;

if(Vprin3.length > 0 && VintRate3 > 0 && Vpmt3 > 0) {
   VtotCost3 = computeCost(VD3,Vprin3,VintRate3,Vpmt3);
   document.getElementById("cost3_ar").value = floor(VtotCost3);
   Vnpr3 = computeTerm(VD3,Vprin3,VintRate3,Vpmt3);
   document.getElementById("npr3_ar").value = floor(Vnpr3);
   if(Vnpr3 > accumPmts) {
      accumPmts = Vnpr3;
      }
   accumCost = eval(accumCost) + eval(VtotCost3);
   accumPrincipal = eval(accumPrincipal) + eval(Vprin3);
   accumPmtAmt = eval(accumPmtAmt) + eval(Vpmt3);
accumDebts++;

var intRate3_ar = document.getElementById("intRate3_ar").value;
intRate3_ar = intRate3_ar.replace(/\$/g, "");
intRate3_ar = intRate3_ar.replace(/,/g, "");
intRate3_ar = intRate3_ar.replace(/%/g, "");

var cost3_ar = document.getElementById("cost3_ar").value;
cost3_ar = cost3_ar.replace(/\$/g, "");
cost3_ar = cost3_ar.replace(/,/g, "");
cost3_ar = cost3_ar.replace(/%/g, "");

var npr3_ar = document.getElementById("npr3_ar").value;
npr3_ar = npr3_ar.replace(/\$/g, "");
npr3_ar = npr3_ar.replace(/,/g, "");
npr3_ar = npr3_ar.replace(/%/g, "");

reportRow3 = createRow(VD3,Vprin3,intRate3_ar,Vpmt3,cost3_ar,npr3_ar);
reportRows = "" + reportRows + "" + reportRow3 + "";
}
//END DEBT NUMBER 3

//BEGIN DEBT NUMBER 4
var VD4 = document.getElementById("D4_ar").value;
VD4 = VD4.replace(/\$/g, "");
VD4 = VD4.replace(/,/g, "");
VD4 = VD4.replace(/%/g, "");

var Vprin4 = document.getElementById("prin4_ar").value;
Vprin4 = Vprin4.replace(/\$/g, "");
Vprin4 = Vprin4.replace(/,/g, "");
Vprin4 = Vprin4.replace(/%/g, "");

var VintRate4 = document.getElementById("intRate4_ar").value;
VintRate4 = VintRate4.replace(/\$/g, "");
VintRate4 = VintRate4.replace(/,/g, "");
VintRate4 = VintRate4.replace(/%/g, "");

var Vpmt4 = document.getElementById("pmt4_ar").value;
Vpmt4 = Vpmt4.replace(/\$/g, "");
Vpmt4 = Vpmt4.replace(/,/g, "");
Vpmt4 = Vpmt4.replace(/%/g, "");

var VtotCost4 = 0;
var Vnpr4 = 0;

if(Vprin4.length > 0 && VintRate4 > 0 && Vpmt4 > 0) {
   VtotCost4 = computeCost(VD4,Vprin4,VintRate4,Vpmt4);
   document.getElementById("cost4_ar").value = floor(VtotCost4);
   Vnpr4 = computeTerm(VD4,Vprin4,VintRate4,Vpmt4);
   document.getElementById("npr4_ar").value = floor(Vnpr4);
   if(Vnpr4 > accumPmts) {
      accumPmts = Vnpr4;
      }
   accumCost = eval(accumCost) + eval(VtotCost4);
   accumPrincipal = eval(accumPrincipal) + eval(Vprin4);
   accumPmtAmt = eval(accumPmtAmt) + eval(Vpmt4);
accumDebts++;

var intRate4_ar = document.getElementById("intRate4_ar").value;
intRate4_ar = intRate4_ar.replace(/\$/g, "");
intRate4_ar = intRate4_ar.replace(/,/g, "");
intRate4_ar = intRate4_ar.replace(/%/g, "");

var cost4_ar = document.getElementById("cost4_ar").value;
cost4_ar = cost4_ar.replace(/\$/g, "");
cost4_ar = cost4_ar.replace(/,/g, "");
cost4_ar = cost4_ar.replace(/%/g, "");

var npr4_ar = document.getElementById("npr4_ar").value;
npr4_ar = npr4_ar.replace(/\$/g, "");
npr4_ar = npr4_ar.replace(/,/g, "");
npr4_ar = npr4_ar.replace(/%/g, "");

reportRow4 = createRow(VD4,Vprin4,intRate4_ar,Vpmt4,cost4_ar,npr4_ar);
reportRows = "" + reportRows + "" + reportRow4 + "";
}
//END DEBT NUMBER 4

if(accumDebts == 0) {
//alert("Please enter at least one debt before computing current debt costs.");
} else {

document.getElementById("totalCost_ar").value = floor(accumCost);
document.getElementById("totalPrincipal_ar").value = FormatCurrency(floor(accumPrincipal));
document.getElementById("totalTerm_ar").value = floor(accumPmts);
document.getElementById("totalPmtAmt_ar").value = floor(accumPmtAmt);

var consolAmt_ar = document.getElementById("consolAmt_ar").value;
consolAmt_ar = consolAmt_ar.replace(/\$/g, "");
consolAmt_ar = consolAmt_ar.replace(/,/g, "");
consolAmt_ar = consolAmt_ar.replace(/%/g, "");

var consolA = eval(consolAmt_ar)+eval(accumPrincipal)
document.getElementById("HtotalCost_ar").value = accumCost;
document.getElementById("HtotalPrincipal_ar").value = FormatCurrency(consolA);
document.getElementById("HtotalTerm_ar").value = accumPmts;
document.getElementById("HtotalPmtAmt_ar").value = accumPmtAmt;
document.getElementById("HtotalDebts_ar").value = accumDebts;

reportRows = "" + reportRows + "<TR><TD COLSPAN=6><HR></TD></TR><TR><TD><B>Current Terms</B></TD><TD ALIGN=RIGHT>$" + document.getElementById("totalPrincipal_ar").value + "</TD><TD ALIGN=RIGHT>N/A</TD><TD ALIGN=RIGHT>$" + document.getElementById("totalPmtAmt_ar").value + "</TD><TD ALIGN=RIGHT>$" + document.getElementById("totalCost_ar").value +  "</TD><TD ALIGN=RIGHT>" + floor(accumPmts) + "</TD></TR>";

document.getElementById("HreportRows_ar").value = reportRows;

} //end of if/else statement that checks to see if any debts were entered
}

function computeLoan_ar() {

computeForm_ar();

var consolAPR_ar = document.getElementById("consolAPR_ar").value;
consolAPR_ar = consolAPR_ar.replace(/\$/g, "");
consolAPR_ar = consolAPR_ar.replace(/,/g, "");
consolAPR_ar = consolAPR_ar.replace(/%/g, "");


if(consolAPR_ar == 0 || consolAPR_ar == "") {
alert("Please enter an annual interest rate for your consolidation loan.");
document.getElementById("consolAPR_ar").focus();
} else
if(document.getElementById("consolTerm_ar").value == 0 || document.getElementById("consolTerm_ar").value == "") {
alert("Please enter the length of the term (number of years) for your consolidation loan.");
document.getElementById("consolTerm_ar").focus();
} else {

var HtotalPrincipal_ar = document.getElementById("HtotalPrincipal_ar").value;
HtotalPrincipal_ar = HtotalPrincipal_ar.replace(/\$/g, "");
HtotalPrincipal_ar = HtotalPrincipal_ar.replace(/,/g, "");
HtotalPrincipal_ar = HtotalPrincipal_ar.replace(/%/g, "");

var totalPrincipal_ar = document.getElementById("totalPrincipal_ar").value;
totalPrincipal_ar = totalPrincipal_ar.replace(/\$/g, "");
totalPrincipal_ar = totalPrincipal_ar.replace(/,/g, "");
totalPrincipal_ar = totalPrincipal_ar.replace(/%/g, "");

document.getElementById("totalDiff_ar").value = FormatCurrency(eval(HtotalPrincipal_ar) - (totalPrincipal_ar));

var VconsolName = "Consolidation Loan";
var VconsolPrin = document.getElementById("HtotalPrincipal_ar").value;
VconsolPrin = VconsolPrin.replace(/\$/g, "");
VconsolPrin = VconsolPrin.replace(/,/g, "");
VconsolPrin = VconsolPrin.replace(/%/g, "");

var VconsolAPR = document.getElementById("consolAPR_ar").value;
VconsolAPR = VconsolAPR.replace(/\$/g, "");
VconsolAPR = VconsolAPR.replace(/,/g, "");
VconsolAPR = VconsolAPR.replace(/%/g, "");

var VconsolTerm = document.getElementById("consolTerm_ar").value;
VconsolTerm = VconsolTerm.replace(/\$/g, "");
VconsolTerm = VconsolTerm.replace(/,/g, "");
VconsolTerm = VconsolTerm.replace(/%/g, "");

var i = VconsolAPR;
  if (i > 1.0) {
  i = i / 100.0;
  }
  i /= 12;

var noMonths = VconsolTerm * 12;
var pow = 1;

for (var j = 0; j < noMonths; j++)
    pow = pow * (1 + i);

var VconsolPmt = (VconsolPrin * pow * i) / (pow - 1);

var VtotConCost = computeCost(VconsolName,VconsolPrin,VconsolAPR,VconsolPmt);

var pmtSign = "-";
var pmtColor = "green";
var pmtReport = "";
var VHtotalPmt = document.getElementById("HtotalPmtAmt_ar").value;
VHtotalPmt = VHtotalPmt.replace(/\$/g, "");
VHtotalPmt = VHtotalPmt.replace(/,/g, "");
VHtotalPmt = VHtotalPmt.replace(/%/g, "");

document.getElementById("totalNowPmt_ar").value = FormatCurrency(Math.round(VHtotalPmt));
document.getElementById("totalConPmt_ar").value = FormatCurrency(Math.round(VconsolPmt));
var VpmtDiff = eval(VHtotalPmt) - eval(VconsolPmt);
if(VpmtDiff < 0) {
VpmtDiff *= -1;
pmtSign = "+";
pmtColor = "red";
}
pmtReport = pmtSign + "$" + floor(VpmtDiff);
document.getElementById("pmtDiff_ar").value = pmtSign + FormatCurrency(Math.round(VpmtDiff));


var termSign = "-";
var termColor = "green";
var termReport = "";
var VHtotalTerm = document.getElementById("HtotalTerm_ar").value;
VHtotalTerm = VHtotalTerm.replace(/\$/g, "");
VHtotalTerm = VHtotalTerm.replace(/,/g, "");
VHtotalTerm = VHtotalTerm.replace(/%/g, "");

document.getElementById("totalNowTerm_ar").value = Math.round(VHtotalTerm);
document.getElementById("totalConTerm_ar").value = Math.round(noMonths);
var VtermDiff = eval(VHtotalTerm) - eval(noMonths);
if(VtermDiff < 0) {
VtermDiff *= -1;
termSign = "+";
termColor = "red";
}
termReport = termSign + "" + floor(VtermDiff);
document.getElementById("termDiff_ar").value = termSign + "" + Math.round(VtermDiff);

var VconsolFees = document.getElementById("consolFees_ar").value;
VconsolFees = VconsolFees.replace(/\$/g, "");
VconsolFees = VconsolFees.replace(/,/g, "");
VconsolFees = VconsolFees.replace(/%/g, "");

if(VconsolFees == "") {
VconsolFees = 0;
}
var intSign = "-";
var intColor = "green";
var intReport = "";
var VHtotalInt = document.getElementById("HtotalCost_ar").value;
VHtotalInt = VHtotalInt.replace(/\$/g, "");
VHtotalInt = VHtotalInt.replace(/,/g, "");
VHtotalInt = VHtotalInt.replace(/%/g, "");

document.getElementById("totalNowInt_ar").value = FormatCurrency(Math.round(VHtotalInt));
VtotConCost = eval(VtotConCost) + eval(VconsolFees);
document.getElementById("totalConInt_ar").value = FormatCurrency(Math.round(VtotConCost));
var VintDiff = eval(VHtotalInt) - eval(VtotConCost);
if(VintDiff < 0) {
VintDiff *= -1;
intSign = "+";
intColor = "red";
}
intReport = intSign + "$" + floor(VintDiff)
document.getElementById("intDiff_ar").value = intSign + FormatCurrency(Math.round(VintDiff));

var VHtotalDebts = document.getElementById("HtotalDebts_ar").value;
VHtotalDebts = VHtotalDebts.replace(/\$/g, "");
VHtotalDebts = VHtotalDebts.replace(/,/g, "");
VHtotalDebts = VHtotalDebts.replace(/%/g, "");

if(pmtSign == "-" && termSign == "+" && intSign == "+") {
document.getElementById("summary_ar").value = "If you consolidate your " + VHtotalDebts + " debts into a single $" + floor(VconsolPrin) + " loan, for " + noMonths + " months, at " + document.getElementById("consolAPR_ar").value + "% APR, your monthly debt payments will be reduced by $" + floor(VpmtDiff) + ", but it will take you an additional " + floor(VtermDiff) + " months to pay off your debts and you will end up paying an additional $" + floor(VintDiff) + " in interest charges and/or loan fees.";
} else
if(pmtSign == "-" && termSign == "-" && intSign == "-") {
document.getElementById("summary_ar").value = "If you consolidate your " + VHtotalDebts + " debts into a single $" + floor(VconsolPrin) + " loan, for " + noMonths + " months, at " + document.getElementById("consolAPR_ar").value + "% APR, your monthly debt payments will be reduced by $" + floor(VpmtDiff) + ", you will pay off your debts " + floor(VtermDiff) + " months earlier and you will end up saving $" + floor(VintDiff) + " in interest charges and/or loan fees. Just make sure you don't create any new debt paying off your consolidation loan";
} else
if(pmtSign == "-" && termSign == "+" && intSign == "-") {
document.getElementById("summary_ar").value = "If you consolidate your " + VHtotalDebts + " debts into a single $" + floor(VconsolPrin) + " loan, for " + noMonths + " months, at " + document.getElementById("consolAPR_ar").value + "% APR, your monthly debt payments will be reduced by $" + floor(VpmtDiff) + ", it will take you an additional " + floor(VtermDiff) + " months to pay off your debts and you will end up saving $" + floor(VintDiff) + " in interest charges and/or loan fees. Just make sure you don't do what most people who consolidate do -- they create new debt while they're paying off their consolidation loan.";
} else
if(pmtSign == "-" && termSign == "-" && intSign == "+") {
document.getElementById("summary_ar").value = "If you consolidate your " + VHtotalDebts + " debts into a single $" + floor(VconsolPrin) + " loan, for " + noMonths + " months, at " + document.getElementById("consolAPR_ar").value + "% APR, your monthly debt payments will be reduced by $" + floor(VpmtDiff) + ", you will pay off your debts " + floor(VtermDiff) + " months earlier but you will end up paying an additional $" + floor(VintDiff) + " in interest charges and/or loan fees.";
} else
if(pmtSign == "+" && termSign == "-" && intSign == "+") {
document.getElementById("summary_ar").value = "If you consolidate your " + VHtotalDebts + " debts into a single $" + floor(VconsolPrin) + " loan, for " + noMonths + " months, at " + document.getElementById("consolAPR_ar").value + "% APR, your monthly debt payments will increase by $" + floor(VpmtDiff) + ", you will pay off your debts " + floor(VtermDiff) + " months earlier but you will end up paying an additional $" + floor(VintDiff) + " in interest charges and/or loan fees.";
} else {
document.getElementById("_ar").value = "No Summary Available.";
}

var reportRows = document.getElementById("HreportRows_ar").value;

reportRows = "" + reportRows + "<TR><TD COLSPAN=6><HR></TD></TR><TR><TD><B>Consolidation Terms</B></TD><TD ALIGN=RIGHT>$" + document.getElementById("totalPrincipal_ar").value + "</TD><TD ALIGN=RIGHT>" + floor(document.getElementById("consolAPR_ar").value) + "%</TD><TD ALIGN=RIGHT>$" + document.getElementById("totalConPmt_ar").value + "</TD><TD ALIGN=RIGHT>$" + document.getElementById("totalConInt_ar").value +  "</TD><TD ALIGN=RIGHT>" + document.getElementById("totalConTerm_ar").value + "</TD></TR><TR><TD COLSPAN=6><HR></TD></TR><TR><TD><B>Difference</B></TD><TD ALIGN=RIGHT></TD><TD ALIGN=RIGHT></TD><TD ALIGN=RIGHT><FONT COLOR=" + pmtColor + ">" + pmtReport + "</FONT></TD><TD ALIGN=RIGHT><FONT COLOR=" + intColor + ">" + intReport +  "</FONT></TD><TD ALIGN=RIGHT><FONT COLOR=" + termColor + ">" + termReport + "</FONT></TD></TR><TR><TD COLSPAN=6><HR></TD></TR><TR><TD COLSPAN=6><B>Summary:</B> " + document.getElementById("summary_ar").value + "</TD></TR>";

document.getElementById("HreportRows_ar").value = reportRows;

   } //end of if/esle statement that checks to see if top section computed
}

function computeCost(name,principal,interest,payment) {

var i = interest;
  if (i > 1.0) {
  i = i / 100.0;
  }
  i /= 12;

var prin = principal;
var count = 0;
var prinPort = 0;
var intPort = 0;
var pmt = payment;
var accumInt = 0;

while(eval(prin) > eval(pmt)) {
   intPort = prin * i;
   accumInt = accumInt + intPort;
   prinPort = pmt - intPort;
   prin = prin - prinPort;
   count = count +1;
   if(count > 600) {
      neverPayOff(name);
      break;
      }
   }

intPort = prin * i;
accumInt = accumInt + intPort;
prinPort = pmt - intPort;
prin = prin - prinPort;

var totalInt = accumInt;

return totalInt;
}

function computeTerm(name,principal,interest,payment) {

var i = interest;
  if (i > 1.0) {
  i = i / 100.0;
  }
  i /= 12;

var prin = principal;
var count = 0;
var prinPort = 0;
var intPort = 0;
var pmt = payment;
var accumInt = 0;
var lastPmt = 0;

while(eval(prin) > eval(pmt)) {
   intPort = prin * i;
   prinPort = pmt - intPort;
   prin = prin - prinPort;
   count = count +1;
   if(count > 600) {
      break;
      }
   }

totalPmts = prin / payment + count;

return totalPmts;
}

function neverPayOff(name) {
 alert("Based on the terms you entered for " + name + ", your monthly interest charge is greater than your monthly payment -- which means you will never pay off " + name + ". Please increase the payment amount until this alert message disappears.");
}

function return1(form) { document.getElementById("D2_ar").focus(); }
function return2(form) { document.getElementById("D3_ar").focus(); }
function return3(form) { document.getElementById("D4_ar").focus(); }

function createRow(name,principal,interest,payment,cost,term) {

reportRow = "<TR><TD>" + name + "</TD><TD ALIGN=RIGHT>$" + floor(principal) + "</TD><TD ALIGN=RIGHT>" + floor(interest) + "%</TD><TD ALIGN=RIGHT>$" + floor(payment) + "</TD><TD ALIGN=RIGHT>$" + cost +  "</TD><TD ALIGN=RIGHT>" + term + "</TD></TR>";

return reportRow;
}


//Refinance Analysis Calculation Ends


// Minimum Income calculation Starts

function sum1_ir()
{
  var i2_ir = document.getElementById("i1_ir").value;
  i2_ir = i2_ir.replace(/\$/g, "");
  i2_ir = i2_ir.replace(/,/g, "");
  i2_ir = i2_ir.replace(/%/g, "");
  i2_ir = i2_ir / 1200;
  
  var first_ir = 1;
  var second_ir = (1 + i2_ir);
  var t1_ir_loop = document.getElementById("t1_ir").value;
  t1_ir_loop = t1_ir_loop.replace(/\$/g, "");
  t1_ir_loop = t1_ir_loop.replace(/,/g, "");
  t1_ir_loop = t1_ir_loop.replace(/%/g, "");
  
  for (i=0; i<t1_ir_loop * 12; i++)
  {
	first_ir = first_ir*second_ir;
  }
  
  var la_ir = document.getElementById("la_ir").value;
  la_ir = la_ir.replace(/\$/g, "");
  la_ir = la_ir.replace(/,/g, "");
  la_ir = la_ir.replace(/%/g, "");
  
  var ins1_ir = document.getElementById("ins1_ir").value;
  ins1_ir = ins1_ir.replace(/\$/g, "");
  ins1_ir = ins1_ir.replace(/,/g, "");
  ins1_ir = ins1_ir.replace(/%/g, "");
  
  var tx1_ir = document.getElementById("tx1_ir").value;
  tx1_ir = tx1_ir.replace(/\$/g, "");
  tx1_ir = tx1_ir.replace(/,/g, "");
  tx1_ir = tx1_ir.replace(/%/g, "");
  
  document.getElementById("p2_ir").value = FormatCurrency(floor(la_ir * i2_ir / ( 1 - (1/first_ir))));
  document.getElementById("ins2_ir").value = FormatCurrency(floor(ins1_ir / 12));
  document.getElementById("tx2_ir").value = FormatCurrency(floor(tx1_ir / 12));
  var sum2_ir = la_ir * i2_ir / ( 1 - (1/first_ir)) +  tx1_ir / 12 + ins1_ir / 12;
  document.getElementById("piti_ir").value = FormatCurrency(floor(sum2_ir)); 
  
  var p2_ir = document.getElementById("p2_ir").value;
  p2_ir = p2_ir.replace(/\$/g, "");
  p2_ir = p2_ir.replace(/,/g, "");
  p2_ir = p2_ir.replace(/%/g, "");
  document.getElementById("p3_ir").value = Math.round(p2_ir);    
    
  sum3();
}

function sum3()
{
  
  cc_ir=document.getElementById("cc_ir").value;
  cc_ir = cc_ir.replace(/\$/g, "");
  cc_ir = cc_ir.replace(/,/g, "");
  cc_ir = cc_ir.replace(/%/g, "");
  
  au_ir=document.getElementById("au_ir").value;
  au_ir = au_ir.replace(/\$/g, "");
  au_ir = au_ir.replace(/,/g, "");
  au_ir = au_ir.replace(/%/g, "");
  
  hh_ir=document.getElementById("hh_ir").value;
  hh_ir = hh_ir.replace(/\$/g, "");
  hh_ir = hh_ir.replace(/,/g, "");
  hh_ir = hh_ir.replace(/%/g, "");
  
  ot_ir=document.getElementById("ot_ir").value;
  ot_ir = ot_ir.replace(/\$/g, "");
  ot_ir = ot_ir.replace(/,/g, "");
  ot_ir = ot_ir.replace(/%/g, "");
  
  var exps_ir = parseInt(cc_ir) + parseInt(au_ir) + parseInt(hh_ir) + parseInt(ot_ir);  
  var tx1_ir = document.getElementById("tx1_ir").value;
  tx1_ir = tx1_ir.replace(/\$/g, "");
  tx1_ir = tx1_ir.replace(/,/g, "");
  tx1_ir = tx1_ir.replace(/%/g, "");
  
  var ins1_ir = document.getElementById("ins1_ir").value;
  ins1_ir = ins1_ir.replace(/\$/g, "");
  ins1_ir = ins1_ir.replace(/,/g, "");
  ins1_ir = ins1_ir.replace(/%/g, "");
  
  tx2_ir=tx1_ir/12;
  ins2_ir=ins1_ir/12;     

  
  piti_ir=document.getElementById("piti_ir").value;
  piti_ir = piti_ir.replace(/\$/g, "");
  piti_ir = piti_ir.replace(/,/g, "");
  piti_ir = piti_ir.replace(/%/g, "");
  
  mxp1_ir=parseInt(piti_ir)+parseInt(exps_ir);
  mi1_ir=mxp1_ir/.38;
  
  mi2_ir=piti_ir/.33;
  
  if (mi1_ir > mi2_ir)
  {mi_ir = mi1_ir;}
  else
  {mi_ir = mi2_ir;}
   
  document.getElementById("tx3_ir").value = Math.round(tx2_ir);
  document.getElementById("ins3_ir").value = Math.round(ins2_ir);     
  document.getElementById("piti3_ir").value = Math.round(piti_ir);      
  document.getElementById("mxp1_ir").value = mxp1_ir;
  document.getElementById("exps_ir").value = exps_ir;  
  document.getElementById("mi1_ir").value = mi1_ir;
  document.getElementById("mi2_ir").value = mi2_ir;
  document.getElementById("mi_ir").value = FormatCurrency(Math.round(mi_ir));    
  document.getElementById("ai_ir").value = FormatCurrency(Math.round(mi_ir*12));
  
}

//Minimum Income calcuation Ends

// Amortization Schedule Calculation Starts

var num=0;
var amt=0;
var per=0;
var months=0;
var nls="";
var rr="\r";
var b="                               ";
var d="---------------------------"
+"--------------------------------";
var s="$";
function iA(){
 this.length=iA.arguments.length;
 for (var i=0;i<this.length;i++){
  this[i]=iA.arguments[i];
  }
 }
var pwr=new iA(10);
var dec=new iA(16);
pwr[0]=1;
for (var i=0;i<9;i++){
 pwr[i+1]=pwr[i]*10;
}
dec[0]=.1;
dec[1]=.01;
dec[2]=.001;
dec[3]=.0001;
dec[4]=.00001;
dec[5]=.000001;
dec[6]=.0000001;
dec[7]=.00000001;
dec[8]=.000000001;
dec[9]=.0000000001;
dec[10]=.00000000001;
dec[11]=.000000000001;
dec[12]=.0000000000001;
dec[13]=.00000000000001;
dec[14]=.000000000000001;
dec[15]=.0000000000000001;
   
var ns="01234567890";
var cr="";
var str="";

function stn(){
 num=0;
 pos=str.indexOf(".");
 sfx="";
 if (pos>-1){
  sfx=str.substring(pos+1,str.length);
  str=str.substring(0,pos);
  }
 strl=str.length;
 for (var i=strl-1;i>-1;i--){
  cr=str.substring(i,i+1);
  pos=ns.indexOf(cr);
  num+=pos*pwr[strl-i-1];
  }
  if (sfx!=""&&sfx.length>dp){
   pos=ns.indexOf(sfx.charAt(dp+1));
   if (pos>4){
    pos=ns.indexOf(sfx.charAt(dp));
    sfx=sfx.substring(0,dp-1)+(pos+1);
    }
   }
  if (sfx!=""){
   for (var i=0;i<dp;i++){
    cr=sfx.substring(i,i+1);
    pos=ns.indexOf(cr);
    num+=pos*dec[i];
    }
  }
 }

function sum1_am(){
 str=document.getElementById("amt_am").value;
 str = str.replace(/\$/g, "");
 str = str.replace(/,/g, "");
 str = str.replace(/%/g, "");
 
 format1();
 bl=str.length+3;
 dp=2;
 stn();
 amt=num;
 str=document.getElementById("per_am").value;
 str = str.replace(/\$/g, "");
 str = str.replace(/,/g, "");
 str = str.replace(/%/g, "");
 
 dp=4;
 stn();
 per=num;
 str=document.getElementById("months_am").value;
 str = str.replace(/\$/g, "");
 str = str.replace(/,/g, "");
 str = str.replace(/%/g, "");
 
 dp=0;
 stn();
 months=num;
 if (months<1||months>999||per<.0001||per>99||amt<1||amt>pwr[9]){
  alrt();
  }
 else{
 computeForm_am();
 }
}

function computeForm_am(){
 ls="";
 isnnum=1;
 i=per/12/100;
 fpv=0;
 for (var j=0;j<months;j++)
  isnnum=isnnum*(1+i);
  tmp=(amt*isnnum*i)/(isnnum-1);
  fpv+=tmp;
  fcalc=((months*fpv)-amt);
  
 prtSched();
 }
 
function prtSched(){
 fpv+=.01;
 str=""
 str+=fpv;
 format1();
 dp=2;
 stn();
 fpv=num;
 pct=per/12/100;
 if (bl<14){
  bl=14;
  }
 ls=rr;
 ls="<table width='100%' border='0' cellspacing='0' cellpadding='0'>";
 ls+="<tr><td><p class='sltable2'>Pmt<br>No.</td><td><p class='srtable2'>Interest<br>Payment</td><td><p class='srtable2'>Principal<br>Payment</td><td><p class='srtable2'>Total<br>Payment</td><td><p class='srtable2'>Loan<br>Balance</td></tr>";
 for (var j=0;j<months;j++){
  ntr=(amt*pct);
  str="";
  str+=ntr;
  format1();
  ntr1=s+str;
  prp=fpv-ntr;
  if (prp>amt){
   prp=amt;
   }
  str="";
  str+=prp;
  format1();
  prp1=s+str;
  amt-=prp;
  str="";
  str+=amt;
  format1();
  amt1=s+str;
  if (fpv>(ntr+prp)){
   fpv=ntr+prp;
   }
  str="";
  str+=fpv;
  format1();
  fpv1=s+str;
  str="";
  str+=(j+1)+".";
  ls+="<tr><td><p class='sltable2'>"+str+"</td>"
  +"<td><p class='srtable2'>"+ntr1+"</td>"
  +"<td><p class='srtable2'>"+prp1+"</td>"
  +"<td><p class='srtable2'>"+fpv1+"</td>"
  +"<td><p class='srtable2'>"+amt1+"</td></tr>";
  }
 
ls+="</table>";
  document.getElementById('pageView6Extra').innerHTML=ls;
 
 }
function format1(){
 pos=str.indexOf(".");
 if (pos==0){
  str="0"+str;
  pos++;
  }
 if (pos<0){
  str+=".00";
  pos=str.indexOf(".");
  }
 str+="0000";
 str=str.substring(0,pos+4);
 cr=str.charAt(str.length-1);
 pos=ns.indexOf(cr);
 str=str.substring(0,str.length-1);
 if (pos>5){
  format2();
  }
 }
 function format2(){
  for (var k=str.length-1;k>-1;k--){
   cr=str.charAt(k);
   posn=ns.indexOf(cr);
   if (posn<0){
    k--;
   }
   else{
    str=str.substring(0,k)+ns.substring(posn+1,posn+2)
    +str.substring(k+1,str.length);
    if (posn!=9){
     k=-1;
    }
   }
  }
 }
function alrt(){
 alert("The number of Months must be between"
 +" 1 to 999, the Loan Amount from 1 to "+pwr[9]
 +" and the Interest Rate from .001% to 99%");
}


// Amortization Schedule Calculation Ends


function loadDefaultCalculation(tabID)
{
	document.getElementById(tabID).style.display="block";
}