<!--------- monthly term -------

	var WGdc=".";  
	var WGgc=",";
	var WGnc="-";
	var WGcs="";
function WGformatMoney(A,W) 
{  
// Author   : Jonathan Weesner (http://cyberstation.net/~jweesner/)
// Copyright: Use freely. Keep Author and Copyright lines intact.
	var N=Math.abs(Math.round(A*100));
   var S=((N<10)?"00":((N<100)?"0":""))+N;

   S=WGcs+((A<0)?WGnc:"")+WGgroup(S.substring(0,(S.length-2)))+WGdc+
      S.substring((S.length-2),S.length)+((A<0&&WGnc=="(")?")":"");
   return (S.length>W)?"Over":S;
}

// WGgroup inspired by Bill Dortch's usenet post (www.hidaho.com)
function WGgroup(S) 
{
   return (S.length<4)?S:(WGgroup(S.substring(0,S.length-3))+
      WGgc+S.substring(S.length-3,S.length));
}

function roundOff(value, precision) {	// Precision = 2 decimal places
		if(parseInt(value) <= 0) {
			// Incorrect Value
			return 0;
			}
		
        value = "" + value //convert value to string
        precision = parseInt(precision);
        var whole = "" + Math.round(value * Math.pow(10, precision));
        var decPoint = whole.length - precision;        if(decPoint != 0)
        {                result = whole.substring(0, decPoint);
                result += ".";
                result += whole.substring(decPoint, whole.length);        }
        else        {                result = whole;        }
        return result;
}


function amtround(num)
{
	numrnd = 0;
	numrnd = num * 100;
	numrnd = Math.round(numrnd);
	temp1 = numrnd.toString(10);
	temp1n = temp1.length;
	numrnd = temp1.substring(0,temp1n-2) + "." + temp1.substring(temp1n-2,temp1n);	
	numrnd = parseFloat(numrnd);
}

function amtround2(num)
{
	numrnd2 = 0;
	numrnd2 = num * 100;
	numrnd2 = Math.round(numrnd2);
	temp1 = numrnd2.toString(10);
	temp1n = temp1.length;
	numrnd2 = temp1.substring(0,temp1n-2) + "." + temp1.substring(temp1n-2,temp1n);	
	numrnd2 = parseFloat(numrnd2);
}
		
	function calc1(form) {
	T1 = form.T1.value*1;
	T1 = T1+form.T2.value*1;
	T1 = T1+form.T3.value*1;
	T1 = T1+form.T4.value*1;
	T1 = T1+form.T5.value*1;
	T1 = T1+form.T6.value*1;
	T1 = T1+form.T7.value*1;
	T1 = T1+form.T8.value*1;
	T1 = T1+form.T9.value*1;
	T1 = T1+form.T10.value*1;
	T1 = T1+form.T11.value*1;
	T1 = T1+form.T12.value*1;
	amtround(T1);
	T1 = numrnd;
	
	form.totbal.value = WGformatMoney(numrnd);
	
	
	TR1 = form.T1.value*(form.R1.value/100/12)*1;
	TR1 = TR1+form.T2.value*(form.R2.value/100/12)*1;
	TR1 = TR1+form.T3.value*(form.R3.value/100/12)*1;
	TR1 = TR1+form.T4.value*(form.R4.value/100/12)*1;
	TR1 = TR1+form.T5.value*(form.R5.value/100/12)*1;
	TR1 = TR1+form.T6.value*(form.R6.value/100/12)*1;
	TR1 = TR1+form.T7.value*(form.R7.value/100/12)*1;
	TR1 = TR1+form.T8.value*(form.R8.value/100/12)*1;
	TR1 = TR1+form.T9.value*(form.R9.value/100/12)*1;
	TR1 = TR1+form.T10.value*(form.R10.value/100/12)*1;
	TR1 = TR1+form.T11.value*(form.R11.value/100/12)*1;
	TR1 = TR1+form.T12.value*(form.R12.value/100/12)*1;
	amtround2(TR1);
	TR1 = numrnd2;
	
	form.totrate.value = WGformatMoney(numrnd2);
	
	
	document.menuform.debt1.value = numrnd;
	document.menuform.debt2.value = numrnd;
	
	
	}
	

function calc5(form){
amt = eval (document.menuform.debt1.value);
yrs = eval (document.menuform.term1.value)*12;
rte = eval (document.menuform.rate1.value)/1200;
pmt=(rte+(rte/(Math.pow((1+rte),(yrs/12))-1)))*amt;
pmt = pmt*100;pmt=Math.round(pmt);pmt=pmt/100;
document.menuform.pay1.value=roundOff(pmt, 2);
}

function calc6(form){
rte = eval (document.menuform.rate2.value)/1200;
pmt = eval (document.menuform.pay2.value);
amt = eval (document.menuform.debt2.value);
yrs=(Math.log(1+(rte/(pmt/(amt)-rte)))/Math.log(1+rte))/12;
yrs=yrs*1000;
yrs=Math.round(yrs);
yrs=roundOff(yrs/1000, 2);
document.menuform.term2.value=yrs;
document.menuform.term2.value=WGformatMoney(yrs);
document.menuform.term2b.value=yrs*12;
document.menuform.term2b.value=WGformatMoney(yrs*12);
}		


// End -->