formulaA = new Array
		formulaA[0] = 10
		formulaA[1] = 9
		formulaA[2] = 8
		formulaA[3] = 7
		formulaA[4] = 6

		formulaB = new Array
		formulaB[0] = 50
		formulaB[1] = 45
		formulaB[2] = 40
		formulaB[3] = 35
		formulaB[4] = 30

		absMinLoan = new Array
		absMinLoan[0] = 45000
		absMinLoan[1] = 35000
		absMinLoan[2] = 25000
		absMinLoan[3] = 25000
		absMinLoan[4] = 20000

		factorA=10
		factorB=50
		crLevel=0

		function creditTypeChanged(crForm) {
			l1 = document.stepone.Credit.length
			for (i=0;i<document.stepone.Credit.length; i++) {
				if (document.stepone.Credit[i].checked) {
					factorA = formulaA[i]
					factorB = formulaB[i]
					crLevel = i
				}
			}
			IncomeChanged()
			return
		}

		function IncomeChanged() {
			maxLoanA = document.step_two.income.value * factorA
			halfIncome = document.step_two.income.value / 2

			q2 = halfIncome - document.step_two.mortgage.value
			q2 = q2 - document.step_two.CCPayments.value
			q2 = q2 - document.step_two.garnishments.value
			q2 = q2 - document.step_two.other.value

			maxLoanB = q2 * factorB

			if (maxLoanA < maxLoanB) {
				minLoan = maxLoanA
			}
			else {
				minLoan = maxLoanB
			}
			if (minLoan > absMinLoan[crLevel]){
				minLoan = absMinLoan[crLevel]
			}

			td = document.getElementById("chosenloancell")
			td.innerHTML = "<font size='2'><B>"+minLoan+"</B></font>"
		}
		
function compute(comp) {
	var p=validate(comp.purch.value);
	if(comp.down.value.length==0) { comp.down.value=0; }
	var d=validate(comp.down.value);
	if(comp.rate.value.length==0) { comp.rate.value=0; }
	var rt=validate(comp.rate.value) * .01;
	var m=validate(comp.months.value);

	var pc=(p-parseFloat(d));
	var monthly=buyMonthly(pc,rt,m);
	var cost=(monthly * m) + parseFloat(d);
	var interest = (monthly * m) - pc;
	if(d>=p) {
		alert("Down payment must be less than loan amount.");
		comp.answer.value = 0;
	}
	else {
		comp.answer.value = rounding(monthly);
	}
}

function validate(entry,errorchk) {
	var validlist = "1234567890";
	var number = "";
	var period = 1;
	if(errorchk && entry.length == 0) { return("EMPTY"); }
	for(var x=0; x < entry.length; x++) {
		var datum = entry.charAt(x);
		if(validlist.indexOf(datum) != -1) { number += datum; }
		else if(datum == "." && period) {
			number += datum;
			period = 0;
		}
		else if(errorchk) {
				if(datum == "," || datum == "%" || datum == unescape("%24")) {
					if((datum=="%" && x != entry.length-1) || (datum==unescape("%24") && x != 0)) { return("ERROR"); }
				}
		}
		else { return("ERROR"); }
	}
	if(number == "") { return(0); }
	else if(errorchk) { return(entry); }
	else { return(parseFloat(number)); }
}

function rounding(x) {
	cents = Math.round(x*100);
	if(cents<10) { strCents="0"+cents; }
	else { strCents = "" + cents; }
	len = strCents.length ;

	y = strCents.substring(0, len - 2) + "." + strCents.substring((len - 2), len);
	ylen = y.length;
	if(x>999) { y = y.substring(0, ylen - 6) + "," + y.substring((ylen - 6), ylen); }
	ylen = y.length;
	if(x>999999) { y = y.substring(0, ylen - 10) + "," + y.substring((ylen - 10), ylen); }
	return y;
}

function buyMonthly(pc,rt,m) {
	if(pc==0 || m==0) { b=0; }
	else {	
		rt = rt/12;
		if(rt==0) { var b = pc/m; }
		else { var b = (pc*rt)/(1-Math.pow((1+rt),(-1*m))); }
	}
	return b;
}