<!--------- calculations for term worksheet -------

	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 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 calculate(amt, rate, time)
{
	var paymts = 0;
	var p1 = 0;
	var p2 = 0;
	var exp = time;

	i = rate;
	paymts = time;

	i = i / 100;
	i /= 12;
	
		if (paymts != 0)
{
      var p1 = amt * i; 
	   var p2 = 1 + i; 
		base = p2;
		var cnt = 1;
		for (j = 0 ; j < exp; j++) {
			cnt = cnt * p2;
		}
		p2 = 1 / cnt;
		p2 = 1 - p2; 
		result = p1 / p2; }
}

function getpayment(form)
{
	borrow1 = form.borrow1.value;
	bval = borrow1.split(",");
		if (bval.length > 1) {temp_value = bval[0] + bval[1];} else {temp_value = bval[0];}
		if (bval.length > 2) {temp_value = bval[0] + bval[1] + bval[2];}
		bval_n = parseFloat(temp_value);

	if ((form.borrow1.value != "") || (form.months1.value != "") || (form.rate1.value != "")) {
	calculate(bval_n, form.rate1.value, form.months1.value);} else
	 {result = 0}
	scenario1 = result;
	amtround(scenario1);
	payment1 = numrnd;
	//	form.payment1.value = numrnd;

	form.payment1.value = WGformatMoney(payment1, 12);
	
	form.paymentnum.value = numrnd;
	paymentnum = form.paymentnum.value*1;
	paymentnum = paymentnum+form.taxnum.value*1;
	amtround(paymentnum);
	paymentnum = numrnd
	numrnd = WGformatMoney(numrnd, 12);	
	form.Answersumm.value = numrnd;

}	

	
	function taxcalc1(form) {
	a = form.a.value*1;
	a = a+form.b.value*1;
	a = a+form.c.value*1;
	a = a*form.d.value*1;
	amtround(a);
	a = numrnd;
	numrnd = WGformatMoney(numrnd, 12);	
	form.taxanswer.value = numrnd;
	
	
}

	
	function calc1(form) {
	a = form.a.value*1;
	a = a+form.b.value*1;
	a = a+form.c.value*1;
	a = a*form.d.value*1;
	a = a/12;
	amtround(a);
	a = numrnd
	
	form.taxsum.value = numrnd;
	
	e = form.e.value/12;
	amtround(e);
	e = numrnd
	
	form.insurancesum.value = numrnd;
	
	f = form.f.value*form.borrow1.value/12;
	amtround(f);
	e = numrnd
	
	form.pmisum.value = numrnd;
	
	taxsum = form.taxsum.value*1;
	taxsum = taxsum+form.insurancesum.value*1;
	taxsum = taxsum+form.pmisum.value*1;
	amtround(taxsum);
	taxsum = numrnd
	form.taxnum.value = numrnd;
	numrnd = WGformatMoney(numrnd, 12);	
	form.Answer.value = numrnd;
	paymentnum = form.paymentnum.value*1;
	paymentnum = paymentnum+form.taxnum.value*1;
	amtround(paymentnum);
	paymentnum = numrnd
	numrnd = WGformatMoney(numrnd, 12);	
	form.Answersumm.value = numrnd;
	
	
	}

	
	function calcsumm(form) {
	paymentnum = form.paymentnum.value*1;
	paymentnum = paymentnum+form.taxnum.value*1;
	amtround(paymentnum);
	paymentnum = numrnd
	numrnd = WGformatMoney(numrnd, 12);	
	form.Answersumm.value = numrnd;
	
	
	}
	
	//  End -->