<!--

qk = 'quickdata'; /* SAVING CALCULATOR DATA */

numDays       = 60;  /* DAYS UNTIL COOKIE EXPIRES (EG. 183 DAYS = 6 MONTHS) */


/*  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);

}


/* TESTS VERSIONS FOR WHICH WILL SUPPORT POP UP WINDOWS */

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 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.asp';

		}


if(navigator.appName.substring(0,8) == "Netscape")

{

			alert(n+'\n'+q)

			
		}


}

else{alert(n+'\n'+q)}

}


/* 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);

} 


/* RETURNS THE SELECTED INDEX VALUE OF SELECT LISTS IN THE CALCULATOR TO BE USED IN CALCULATIONS */

function getIndex(n){return n.selectedIndex;}


function calcRdefine(intrate,compound, freq){

 return Math.pow((1.0 + ((intrate/100)/compound)),(compound/freq))-1.0;}


function calcBal(mortgage,intrate,compound,freq,payment,term){

rdefine = calcRdefine(intrate,compound, freq);

return (mortgage*(Math.pow((1.0 + rdefine),(term)))) -  ((payment * ((Math.pow((1.0 + rdefine),(term))) - 1.0))/rdefine);

}


/* ROUNDS OFF MONETARY NUMBERS TO TWO DECIMALS (PENNIES) */


function roundPen(n)

{

if(n > 0){

pennies = n*100;

pennies = Math.round(pennies);

strPennies = "" + pennies;

len = strPennies.length;

return strPennies.substring(0, len - 2) + "." + strPennies.substring(len -2, len);

}

else return 0;

}


/* THIS FUNCTION CALCULATES THE LOAN TO VALUE RATIO */

function LTVcalc(MORTGAGE, MORTGAGE2, APPRAISE){

return (MORTGAGE/APPRAISE) + (MORTGAGE2/APPRAISE);

}


function Ratios(PAY1, PAY2, HEAT, TAX, DEBT, INCOME){

return (PAY1/INCOME)+(PAY2/INCOME)+(HEAT/INCOME)+(TAX/INCOME)+(DEBT/INCOME);

}


/* THIS FUNCTION CALCULATES THE MONTHLY MORTGAGE PAYMENT BASED ON THE USER'S INPUT */

function calcPay(MORTGAGE, AMORT, INRATE, COMPOUND, FREQ){

var compound = COMPOUND/12;

var monTime = AMORT * 12;

var RATE = (INRATE*1.0)/100;

var yrRate = RATE/COMPOUND;

var rdefine    = Math.pow((1.0 + yrRate),compound)-1.0;

var PAYMENT = (MORTGAGE*rdefine * (Math.pow((1.0 + rdefine),monTime)))/  ((Math.pow((1.0 + rdefine),monTime)) - 1.0);

if(FREQ==12){

return PAYMENT;}

if(FREQ==26||FREQ==24){

return PAYMENT/2.0;}

if(FREQ==52){

return PAYMENT/4.0;}

}


function retTerm(n){

if(n==0){return 0;}

if(n==1){return 6;}

if(n==2){return 12;}

if(n==3){return 24;}

if(n==4){return 36;}

if(n==5){return 60;}

if(n==6){return 84;}

if(n==7){return 120;}

}


function retFreq(n){

if(n==0){return 0;}

if(n==1){return 12;}

if(n==2){return 24;}

if(n==3){return 26;}

if(n==4){return 52;}

}

function calcTotal(MORTGAGE, LTV){

if(LTV>.75&&LTV<=.80){

return MORTGAGE*1.0125;}

if(LTV>.80&&LTV<=.85){

return MORTGAGE*1.02;}

if(LTV>.80){

return MORTGAGE*1.025;}

if(LTV<=.75){

return MORTGAGE}

}


/* SAVES COOKIE CONTAINING DATA TO BE USED IN AMORTIZATION SCHEDULE */

function quickCook(MTGAMT,AMORT,RATE,TERM,FREQ){


var expire = new Date ();

expire.setTime (expire.getTime() + (numDays * 24 * 3600000));/* 2 MONTHS */

var qkData = " " ;

qkData = qkData + '`' + MTGAMT + '`' + AMORT + '`' + RATE + '`' + TERM + '`' + FREQ;

document.cookie = qk +"=" + escape(qkData) +"; expires=" + expire.toGMTString()+"; path=/" ;

}


/* 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){


if(document.paycalc.desterm.selectedIndex == 0){

fixpro('Question 1: (Mortgage Term)','You have not answered this question, click on the PLEASE CHOOSE button to select your option.');return false;}


if(document.paycalc.PFREQ.selectedIndex == 0){

fixpro('Question 2: (Payment Frequency)','You have not answered this question, click on the PLEASE CHOOSE button to select your option.');return false;}


if((document.paycalc.NAMORT.value == null || document.paycalc.NAMORT.value.length == 0)|| (document.paycalc.NAMORT.value < 1 || document.paycalc.NAMORT.value > 40)){

fixpro('Question 3: (Amortization Period)','Please enter a number between 1 and 40.');return false;}


if((document.paycalc.mortamt.value == null || document.paycalc.mortamt.value.length == 0)|| (document.paycalc.mortamt.value <10000|| document.paycalc.mortamt.value > 1000000) )

{fixpro('Question 4: (Mortgage Amount)','Please enter a number between 10000 and 1000000.');return false;}


if((document.paycalc.rate.value == null || document.paycalc.rate.value.length == 0)||(document.paycalc.rate.value < 2 || document.paycalc.rate.value > 25))

{fixpro('Question 5: (Interest Rate)','Please enter a number between 2.0 and 25.0.');return false;}


if(retTerm(document.paycalc.desterm.selectedIndex)/12>document.paycalc.NAMORT.value){

fixpro('Question 1: (Mortgage Term)','The selected mortgage term is greater than the amortization period entered.  Increase the amortization period or choose a shorter mortgage term.');return false;}


term = retTerm(document.paycalc.desterm.selectedIndex);

freq = retFreq(document.paycalc.PFREQ.selectedIndex);

amort = document.paycalc.NAMORT.value;

mortgage = document.paycalc.mortamt.value;

intrate = document.paycalc.rate.value;

var payment = calcPay(mortgage, amort, intrate, 2, freq);


document.paycalc.mainpay.value = '$' + roundPen(payment);

document.paycalc.mainyr1.value = '$' + roundPen(calcBal(mortgage,intrate,2,freq,payment,(12/(12/freq))));

document.paycalc.mainyr2.value = '$' + roundPen(calcBal(mortgage,intrate,2,freq,payment,(24/(12/freq))));

document.paycalc.mainyr3.value = '$' + roundPen(calcBal(mortgage,intrate,2,freq,payment,(36/(12/freq))));

document.paycalc.mainyr5.value = '$' + roundPen(calcBal(mortgage,intrate,2,freq,payment,(60/(12/freq))));

document.paycalc.mainyr10.value = '$' + roundPen(calcBal(mortgage,intrate,2,freq,payment,(120/(12/freq))));


quickCook(mortgage,amort,intrate,term,freq);


return true;

}


/* 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;}

}


function StringArray(n)

{

this.length = n;

for (var i = 1; i <= n; i++)

this[i] = '' 

return this

}


/* LOADS THE AMORTIZATION SCHEDULE FILE ONCE IT IS CERTAIN THAT ALL VALUES ENTERED INTO THE FORM ARE CORRECT. */

function amortLink()

{


if(navigator.appVersion.substring(0,3) == 2.0 &&  navigator.appName.substring(0,8)=="Netscape" && (navigator.appVersion.indexOf("Macintosh")>=0||navigator.appVersion.indexOf("PowerPC")>=0)){

var timere = compute(document.forms[1]);

if(timere==true){setTimeout("document.form2.submit()",100);}

}

else{

if(compute(document.forms[1])==true){document.form2.submit();}}

}


function amortonLink()

{


if(compute(document.forms[1])==true){document.form2.submit();return false;}

else{return false;}

}


function payBal()

{

if(navigator.appVersion.substring(0,3) == 2.0 &&  navigator.appName.substring(0,8)=="Netscape" && navigator.appVersion.indexOf("Macintosh")>=0){

	setTimeout("compute(document.forms[1])",200);

}

else{compute(document.forms[1]);}

}


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 = "images/back_on.gif"; 

document.images.Back_button.src=Img.src;

}

else{}


} 


function clearImg()

{

if(browTest()==true){

OrImg= new Image();

OrImg.src="images/back_off.gif";

document.images.Back_button.src=OrImg.src;

}

else{}

}


function loadImg()

{

if(browTest()==true){

Img = new Image();

Img.src = "images/back_on.gif"

}

else{}

}


//-->