function currency(anynum) {
   //-- Returns passed number as string in $xxx,xxx.xx format.
   anynum=eval(anynum)
   workNum=Math.abs((Math.round(anynum*100)/100));workStr=""+workNum
   if (workStr.indexOf(".")==-1){workStr+=".00"}
   dStr=workStr.substr(0,workStr.indexOf("."));dNum=dStr-0
   pStr=workStr.substr(workStr.indexOf("."))
   while (pStr.length<3){pStr+="0"}

   //--- Adds comma in thousands place.
   if (dNum>=1000) {
      dLen=dStr.length
      dStr=parseInt(""+(dNum/1000))+","+dStr.substring(dLen-3,dLen)
   }

   //-- Adds comma in millions place.
   if (dNum>=1000000) {
      dLen=dStr.length
      dStr=parseInt(""+(dNum/1000000))+","+dStr.substring(dLen-7,dLen)
   }
   retval = dStr + pStr 
   //-- Put numbers in parentheses if negative.
   if (anynum<0) {retval="("+retval+")"}
   return "$"+retval
}

function clear_Click(){
  document.analyzer.loan.value = "";
  document.analyzer.downp.value="";
  document.analyzer.LoanValue1.value="";
  document.analyzer.term.value = "";
  document.analyzer.rate.value = "";
  document.analyzer.term2.value = "";
  document.analyzer.rate2.value = "";
  document.analyzer.TotalFinanced.value="";
  document.analyzer.LoanAmt1.value="";
  document.analyzer.LoanAmt2.value="";
  document.analyzer.MIamt.value="";
  document.analyzer.thedown.value="";
  document.analyzer.payment.value = "";
  document.analyzer.payment2.value = "";
  document.analyzer.TotPayment.value = "";
  document.analyzer.BlendedRate.value = "";
  document.analyzer.payment1andMI.value = "";
   
}


function IsFieldEmpty(TextObject)
{
	// check to see if field is null
	if (TextObject.value.length == 0)
	{
		TextObject.focus();
		TextObject.select();
		return true;
	}

	// check to see that if field contains characters other than spaces,or tabs
	for (var i = 0; i<TextObject.value.length; i++)
	{
		var ch = TextObject.value.charAt(i);
		if ((ch != " ") && (ch != "\t"))
		{
			return false;
		}	
	}
	// then at this point we know the field contains only tabs and spaces
	TextObject.focus();
	TextObject.select();
	return true;		
}

// check to see that string contains nothing but digits
function CheckAllDigits(TextObject)
{
	var string_length = TextObject.value.length;
	for(var i=0; i < string_length; i++)
	{
        var ch = TextObject.value.substring(i,i+1);
        if (ch < "0" || "9" < ch)
        	return false;
    }
	return true;
}



function IsValid(TextObject)
{
	//Make sure field is not null, if it is, return false
	if(IsFieldEmpty(TextObject))
	{
		return false;
	}
	

	if(!CheckAllDigits(TextObject))
	{
		alert("Quantity must be a whole number \n For Example:\n100000 , 30 , 85 or 50");
		TextObject.value = "";
		TextObject.focus();
		return false;
	}
	else
		return true;			
}

function calculate_Click(){
  var t1=0.0;
  var t12=0.0;
  var t=0.0;
  var ttwo=0.0;
  var i=0.0;
  var i2=0.0;
  var l=0.0;
  var lv1=0.0;
  var la1=0.0;
  var la2=0.0;
  var b=0.0;
  var t2=0.0;
  var t22=0.0;
  var im=0.0;
  var im2=0.0;
  var d=0.0;
  var d2=0.0;
  var n=0.0
  var n2=0.0
  var p=0.0;
  var p2=0.0;
  var ia=0.0;
  var ip=0.0;
  var pp=0.0;
  var tf=0.0;
  var dn=0.0;
  var MIamt=0.0;
  var MIvalue=0.0;

// down payment percentage for blended rate
  var brdn=0.0;

  l = document.analyzer.loan.value;
  if (l=="") {
   alert ("A loan amount must be entered.");
   document.analyzer.loan.focus()
  }

lv1 = document.analyzer.LoanValue1.value;
  if (lv1=="") {
   alert ("A first mortgage loan to value percentage must be entered.");
   document.analyzer.LoanValue1.focus()
  }
  
  if (lv1 > 1) {
     lv1 = lv1/100;
    
  }
  
  t = document.analyzer.term.value;
  if (t=="") {
   alert ("The loan's term in years must be entered.");
   document.analyzer.term.focus()
  }
  
  ttwo = document.analyzer.term2.value;
  if (ttwo=="") {
   alert ("The second loan's term in years must be entered.");
   document.analyzer.term2.focus()
  }

  
  i = document.analyzer.rate.value;
  if (i=="") {
   alert ("The interest rate must be entered.");
   document.analyzer.rate.focus()
  }
  
   i2 = document.analyzer.rate2.value;
  if (i2=="") {
   alert ("The interest rate of the second mortgage must be entered.");
   document.analyzer.rate2.focus()
  }

  
  dn = document.analyzer.downp.value;
  if (dn=="") {
      dn = 0
  }

  if (dn > 0) {
     dn = dn/100;
     brdn = dn
     dn = l*dn;
  }
  document.analyzer.thedown.value = currency(dn);
  
  <!--Figure Total Financed-->
  tf = l - dn;
  document.analyzer.TotalFinanced.value = currency(tf);

<!--Figure Amount of the First Loan-->
  la1 = tf * lv1;
  document.analyzer.LoanAmt1.value = currency(la1);

<!--Figure Amount of the Second Loan-->
  la2 = tf - la1;
  document.analyzer.LoanAmt2.value = currency(la2);

 <!--Figure Blended Rate -->
  
  document.analyzer.BlendedRate.value = (i*lv1 + (1 - brdn - lv1)*i2);


 <!--Figure amt of first mortgage payment -->

  b = la1 ;
  i = i/100;
  im = i/12;
  m = t*12;
  t2 = 1+im;
  t1 = Math.pow(t2, m);
  n = im*t1;
  d = t1-1;
  p = b*(n/d);
  t1 = p*100;
  t1 = Math.round(t1);
  p = t1/100;

  document.analyzer.payment.value = currency(p);
  
   <!--Figure Amount of second mortage payment-->

  b2 = la2 ;
  i2 = i2/100;
  im2 = i2/12;
  m2 = ttwo*12;
  t22 = 1+im2;
  t12 = Math.pow(t22, m);
  n2 = im2*t12;
  d2= t12-1;
  p2 = b2*(n2/d2);
  t12 = p2*100;
  t12 = Math.round(t12);
  p2= t12/100;


 document.analyzer.payment2.value = currency(p2);

  
  <!--Figure Amount of mortgage insurance-->
  if (lv1 <= .8){
  		MIvalue = 0;
		document.analyzer.MIamt.value = currency(MIvalue);
		}
	else if ( lv1 <= .85 && lv1 > .8)
	{
		MIvalue = l*(.0032/12);
		document.analyzer.MIamt.value = currency(MIvalue);

	}
	

  else if ( lv1 <= .90 && lv1 > .85)
	{
		MIvalue = l*(.0052/12);
		document.analyzer.MIamt.value = currency(MIvalue);

	}
	

else if ( lv1 <= .95 && lv1 > .9)
	{
		MIvalue = l*(.0078/12);
		document.analyzer.MIamt.value = currency(MIvalue);

	}
	

else if ( lv1 <= .97 && lv1 > .95)
	{
		MIvalue = l*(.009/12);
		document.analyzer.MIamt.value = currency(MIvalue);

	}
	

	else 
	{
		MIvalue = l*(.0096/12);
		document.analyzer.MIamt.value = currency(MIvalue);

	}
	
	
	<!--Figure First Mort plus MI -->
  
  document.analyzer.payment1andMI.value =currency(p + MIvalue);

	
	<!--Figure Total Payments-->
  
  document.analyzer.TotPayment.value = currency(p + MIvalue + p2);
  
}