<!--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{}}//-->
