function computeForm(form) {

    var pmt1 = form.payment.value;

    var prin1 = form.principal.value;

    var intPort1 = 0;

    var prinPort1 = 0;

    var accumInt1 = 0;

    var accumPrin1 = 0;

    var i1 = form.intRate.value;

    if (i1 > 1.0) {

        i1 = i1 / 100.0;

        form.intRate.value = i1;

    }

    var i1  = i1  / 12;

    var i2 = form.intRate2.value;

       if (i2 > 1.0) {

           i2 = i2 / 100.0;

           form.intRate2.value = i2;

       }

       var i2  = i2  / 12;

    var count1 = 0;

    while(prin1 > 0) {

        intPort1 = prin1 * i1;

        prinPort1 = pmt1 - intPort1;

        prin1 = prin1 - prinPort1;

        accumPrin1 = accumPrin1 + prinPort1;

        accumInt1 = accumInt1 + intPort1;

        count1 = count1 + 1;

        if(count1 > 600) {break; } else {continue; }

       }

    form.origInt.value = "$" + parseInt(accumInt1,10);

    var pow = 1;

    for (var j = 0; j < form.nper2.value *12; j++)

        pow = pow * (1 + i2);

    var fpayment2 = (form.principal.value * pow * i2) / (pow - 1);

    form.payment2.value = "$" + parseInt(fpayment2,10) + "." + parseInt(fpayment2 % 1 * 100,10);

   var fmoSave = form.payment.value - fpayment2;

   form.moSave.value = "$" + parseInt(fmoSave,10) + "." + parseInt(fmoSave % 1 *100,10);
		
		var ftotInt2 = (fpayment2 * form.nper2.value *12)
    - form.principal.value;

   form.totInt2.value = "$" + parseInt(ftotInt2,10);

   var fintSave = accumInt1 - ftotInt2;

    form.intSave.value = "$" + parseInt(fintSave,10);

    form.closeMo.value = parseInt(form.closingCost.value / fmoSave,10);

   var fnetSave = fintSave - form.closingCost.value;

   form.netSave.value = "$" + parseInt(fnetSave,10);

    form.summary.value = "If you refinance your current " + parseInt(form.intRate.value *100,10) + "." + parseInt(form.intRate.value *100 % 1 *100,10) + "% mortgage to a " + parseInt(form.intRate2.value *100,10) + "." + parseInt(form.intRate2.value *100 % 1 *100,10) + "% mortgage, your monthly payment will drop by " + form.moSave.value + " and you will save " + form.intSave.value + " in interest charges over the life of the mortgage.  However, in order for this refinancing to yield any savings at all you will need to stay in your current home for at least " + form.closeMo.value + " months.  That's how long it will take for your monthly payment savings to offset the closing costs attributable to refinancing.";
		
}



function clearForm(form)

{

    form.principal.value = "";
    form.payment.value = "";
    form.intRate.value = "";
    form.intRate2.value = "";
    form.nper2.value = "";
    form.closingCost.value = "";
    form.payment2.value = "";
    form.moSave.value = "";
    form.closeMo.value = "";
    form.intSave.value = "";
    form.origInt.value = "";
    form.netSave.value = "";
    form.totInt2.value = "";
    form.summary.value = "";

}

function validate_contact(form){
	if (form.fname.value==''){
 	 alert('Please enter first name!');
	 return false;
 	}
	if (form.phone.value==''){
 	 alert('Please enter a telephone number!');
	 return false;
 	}
	if (form.email.value==''){
 	 alert('Please enter a valid email address!');
	 return false;
 	}
}

function MM_swapImgRestore() { //v3.0
  var i,x,a=document.MM_sr; for(i=0;a&&i<a.length&&(x=a[i])&&x.oSrc;i++) x.src=x.oSrc;
}

function MM_preloadImages() { //v3.0
  var d=document; if(d.images){ if(!d.MM_p) d.MM_p=new Array();
    var i,j=d.MM_p.length,a=MM_preloadImages.arguments; for(i=0; i<a.length; i++)
    if (a[i].indexOf("#")!=0){ d.MM_p[j]=new Image; d.MM_p[j++].src=a[i];}}
}

function MM_findObj(n, d) { //v4.01
  var p,i,x;  if(!d) d=document; if((p=n.indexOf("?"))>0&&parent.frames.length) {
    d=parent.frames[n.substring(p+1)].document; n=n.substring(0,p);}
  if(!(x=d[n])&&d.all) x=d.all[n]; for (i=0;!x&&i<d.forms.length;i++) x=d.forms[i][n];
  for(i=0;!x&&d.layers&&i<d.layers.length;i++) x=MM_findObj(n,d.layers[i].document);
  if(!x && d.getElementById) x=d.getElementById(n); return x;
}

function MM_swapImage() { //v3.0
  var i,j=0,x,a=MM_swapImage.arguments; document.MM_sr=new Array; for(i=0;i<(a.length-2);i+=3)
   if ((x=MM_findObj(a[i]))!=null){document.MM_sr[j++]=x; if(!x.oSrc) x.oSrc=x.src; x.src=a[i+2];}
}