var NS4DOM = (document.layers) ? true:false;            // Netscape 4.xx browser
var IEDOM = (document.all) ? true:false;                // Internet Explorer browser
var W3CDOM = (document.getElementById) ? true:false;    // Netscape browser

var license = '<div align="justify"><font face="Arial, Helvetica, sans-serif" size="1">' +
  'This calculator is only to be used as a tool for exploring options concerning financing. Accuracy of the results is not guaranteed. The use of this calculator and the results of this calculator in no way signifies that you will be approved for a loan.' +
  '</font></div>';

js_version = 1.1;

function FormatNumber(Number,Decimals,Separator)
{
 // **********************************************************
 // Placed in the public domain by Affordable Production Tools
 // March 21, 1998
 // Web site: http://www.aptools.com/
 //
 // November 24, 1998 -- Error which allowed a null value
 // to remain null fixed. Now forces value to 0.
 //
 // This function accepts a number to format and number
 // specifying the number of decimal places to format to. May
 // optionally use a separator other than '.' if specified.
 //
 // If no decimals are specified, the function defaults to
 // two decimal places. If no number is passed, the function
 // defaults to 0. Decimal separator defaults to '.' .
 //
 // If the number passed is too large to format as a decimal
 // number (e.g.: 1.23e+25), or if the conversion process
 // results in such a number, the original number is returned
 // unchanged.
 // **********************************************************
 Number += ""  // Force argument to string.
 Decimals += ""// Force argument to string.
 Separator += ""       // Force argument to string.
 if((Separator == "") || (Separator.length > 1))
  Separator = "."
 if(Number.length == 0)
  Number = "0"
 var OriginalNumber = Number  // Save for number too large.
 var Sign = 1
 var Pad = ""
 var Count = 0
 // If no number passed, force number to 0.
 if(parseFloat(Number)){
  Number = parseFloat(Number)} else {
  Number = 0}
 // If no decimals passed, default decimals to 2.
 if((parseInt(Decimals,10)) || (parseInt(Decimals,10) == 0)){
  Decimals = parseInt(Decimals,10)} else {
  Decimals = 2}
 if(Number < 0)
 {
  Sign = -1 // Remember sign of Number.
  Number *= Sign    // Force absolute value of Number.
 }
 if(Decimals < 0)
  Decimals *= -1    // Force absolute value of Decimals.
 // Next, convert number to rounded integer and force to string value.
 // (Number contains 1 extra digit used to force rounding)
 Number = "" + Math.floor(Number * Math.pow(10,Decimals + 1) + 5)
 if((Number.substring(1,2) == '.')||((Number + '')=='NaN'))
  return(OriginalNumber) // Number too large to format as specified.
 // If length of Number is less than number of decimals requested +1,
 // pad with zeros to requested length.
 if(Number.length < Decimals +1) // Construct pad string.
 {
  for(Count = Number.length; Count <= Decimals; Count++)
   Pad += "0"
 }
 Number = Pad + Number // Pad number as needed.
 if(Decimals == 0){
  // Drop extra digit -- Number is formatted.
  Number = Number.substring(0, Number.length -1)} else {
  // Or, format number with decimal point and drop extra decimal digit.
 Number = Number.substring(0,Number.length - Decimals -1) +
  Separator +
  Number.substring(Number.length - Decimals -1,
  Number.length -1)}
 if(Sign == -1)
  Number = "-" + Number  // Set sign of number.
 if(Number.length == 0)
  Number="0"
 return(Number)
}

//PLATFORMS: Netscape Navigator 3.0 and higher,
//   Microsoft Internet Explorer 3.02 and higher
/*======================================================================
   computeForm(form)
   Description:
Compute all fields within the form
====================================================================== */
function computeForm() {
  var pmt1 = document.refiform.payment.value;
  var prin1 = document.refiform.principal.value;
  var intPort1 = 0;
  var prinPort1 = 0;
  var accumInt1 = 0;
  var accumPrin1 = 0;
  var i1 = document.refiform.intRate.value;

  if (i1 > 1.0) {
    i1 = i1 / 100.0;
    document.refiform.intRate.value = i1;
  }
  var i1  = i1  / 12;
  var i2 = document.refiform.intRate2.value;

  if (i2 > 1.0) {
    i2 = i2 / 100.0;
    document.refiform.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; }
  }
  document.refiform.origInt.value = "$" + parseInt(accumInt1,10);
  var pow = 1;
  for (var j = 0; j < document.refiform.nper2.value *12; j++)
    pow = pow * (1 + i2);
  var fpayment2 = (document.refiform.principal.value * pow * i2) / (pow - 1);
  document.refiform.payment2.value = "$" + parseInt(fpayment2,10) + "." + parseInt(fpayment2 % 1 * 100,10);
  var fmoSave = document.refiform.payment.value - fpayment2;
   var UnFormatedMoSave = parseInt(fmoSave,10) + "." + parseInt(fmoSave % 1 *100,10);
   var FormatedMoSave = FormatNumber(UnFormatedMoSave,2,'.');
  document.refiform.moSave.value = "$" + FormatedMoSave;
  // modulus is the remainder of the division of two numbers
  var ftotInt2 = (fpayment2 * document.refiform.nper2.value *12) - document.refiform.principal.value;
  document.refiform.totInt2.value = "$" + parseInt(ftotInt2,10);
  var fintSave = accumInt1 - ftotInt2;
  document.refiform.intSave.value = "$" + parseInt(fintSave,10);
  var fnetSave = fintSave - document.refiform.closingCost.value;
  document.refiform.netSave.value = "$" + parseInt(fnetSave,10);
}