function stripNum(num) {

var iPercent
var iDollar
var iSpace
var iComma
var numLength = num.length

//lalalla Line #114

if(numLength > 0) {

   num=num.toString();

   iPercent = num.indexOf("%");
   if(iPercent >= 0) {
      num=num.substring(0,iPercent) + "" + num.substring(iPercent + 1,numLength);
      numLength=num.length;
      }
   iDollar = num.indexOf("$");
   if(iDollar >= 0) {
      num=num.substring(0,iDollar) + "" + num.substring(iDollar + 1,numLength);
      numLength=num.length;
      }
   iSpace = num.indexOf(" ");
   if(iSpace >= 0) {
      num=num.substring(0,iSpace) + "" + num.substring(iSpace + 1,numLength);
      numLength=num.length;
      }
   iComma = num.indexOf(",");
   if(iComma >= 0) {
      while(iComma >=1) {
         num=num.substring(0,iComma) + "" + num.substring(iComma + 1,numLength);
         numLength=num.length;
         iComma = num.indexOf(",");
      }
      }

      num = eval(num);

} else {

num = 0;
}
return num;
}
function formatCurrency(num) {

var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }
  
	onum=Math.round(num*100)/100;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal="00";
	} else{
		decimal=Math.round((onum-integer)*100)
	}
	decimal=decimal.toString();
	if (decimal.length<2) decimal="0"+decimal;

	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}
		
	finNum="$"+tmpinteger+"."+decimal;

    if(isNeg == 1) {
       finNum = "-" + finNum;
    }

	return finNum;
}
function computeMonthlyPayment(prin, numPmts, intRate) {

var pmtAmt = 0;

if(intRate == 0) {
   pmtAmt = prin / numPmts;
} else {
   
   if (intRate >= 1.0) {
     intRate = intRate / 100.0;
   }
   intRate /= 12;

   var pow = 1;
   for (var j = 0; j < numPmts; j++)
      pow = pow * (1 + intRate);

   pmtAmt = (prin * pow * intRate) / (pow - 1);

}

return pmtAmt;

}
function formatNumber(num) {

var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }
onum=Math.round(num*100)/100;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal="00";
	} else{
		decimal=Math.round((onum-integer)*100)
	}
	decimal=decimal.toString();
	if (decimal.length<2) decimal="0"+decimal;

	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}
		
	finNum=tmpinteger+"."+decimal;

    if(isNeg == 1) {
       finNum = "-" + finNum;
    }

	return finNum;
}
function computeForm(form) {

if(document.mortgagePayment.principal.value == 0 || document.mortgagePayment.principal.value == "") {

   alert("Please enter the mortgage's principal amount.");

   document.mortgagePayment.principal.focus();

} else

if(document.mortgagePayment.intRate.value == 0 || document.mortgagePayment.intRate.value == "") {

   alert("Please enter the mortgage's annual interest rate.");

   document.mortgagePayment.intRate.focus();

} else

if(document.mortgagePayment.numYears.value == 0 || document.mortgagePayment.numYears.value == "") {

   alert("Please enter the mortgage's term in number of years.");

   document.mortgagePayment.numYears.focus();

} else {

var Vprincipal = stripNum(document.mortgagePayment.principal.value);

var VintRate = stripNum(document.mortgagePayment.intRate.value);

var VnumYears = stripNum(document.mortgagePayment.numYears.value);

var VannualTax = document.mortgagePayment.annualTax.value;
var VmonthlyTax =0;
if(VannualTax == 0 || VannualTax == "") {

   VannualTax = 0;
   VmonthlyTax =0;

} else {

   VannualTax = stripNum(VannualTax);
   VmonthlyTax = VannualTax / 12;
   VmonthlyTax *= 100;
   VmonthlyTax = Math.round(VmonthlyTax);
   VmonthlyTax /= 100;
}
var VannualInsurance = document.mortgagePayment.annualInsurance.value;
var VmonthlyInsurance = 0;
if(VannualInsurance == 0 || VannualInsurance == "") {

   VannualInsurance = 0;
   VmonthlyInsurance = 0;
} else {

   VannualInsurance = stripNum(VannualInsurance);
   VmonthlyInsurance = VannualInsurance / 12;
   VmonthlyInsurance *= 100;
   VmonthlyInsurance = Math.round(VmonthlyInsurance);
   VmonthlyInsurance /= 100;
}
var VmonthlyPMI = document.mortgagePayment.monthlyPMI.value;

if(VmonthlyPMI == 0 || VmonthlyPMI == "") {

   VmonthlyPMI = 0;

} else {

   VmonthlyPMI = stripNum(VmonthlyPMI);
}
var VotherPmts = eval(VmonthlyTax) + eval(VmonthlyInsurance) + eval(VmonthlyPMI);
var VnumPmts = VnumYears * 12;
var VpmtAmt = computeMonthlyPayment(Vprincipal, VnumPmts, VintRate);
var VtotalMtgPmt = eval(VpmtAmt) + eval(VotherPmts);
document.mortgagePayment.monthlyPI.value = formatCurrency(VpmtAmt);
document.mortgagePayment.otherPmts.value = formatCurrency(VotherPmts);
document.mortgagePayment.monthlyPmt.value = formatCurrency(VtotalMtgPmt);
   }
}
function monthlyAmortSched(form) {
if(document.mortgagePayment.principal.value == 0 || document.mortgagePayment.principal.value == "") {

   alert("Please enter the mortgage's principal amount.");

   document.mortgagePayment.principal.focus();

} else

if(document.mortgagePayment.intRate.value == 0 || document.mortgagePayment.intRate.value == "") {

   alert("Please enter the mortgage's annual interest rate.");

   document.mortgagePayment.intRate.focus();

} else

if(document.mortgagePayment.numYears.value == 0 || document.mortgagePayment.numYears.value == "") {

   alert("Please enter the mortgage's term in number of years.");

   document.mortgagePayment.numYears.focus();

} else {
var Vprincipal = stripNum(document.mortgagePayment.principal.value);

var VintRate = stripNum(document.mortgagePayment.intRate.value);

var VnumYears = stripNum(document.mortgagePayment.numYears.value);

var VannualTax = document.mortgagePayment.annualTax.value;
var VmonthlyTax =0;
if(VannualTax == 0 || VannualTax == "") {

   VannualTax = 0;
   VmonthlyTax =0;

} else {

   VannualTax = stripNum(VannualTax);
   VmonthlyTax = VannualTax / 12;
   VmonthlyTax *= 100;
   VmonthlyTax = Math.round(VmonthlyTax);
   VmonthlyTax /= 100;
}
var VannualInsurance = document.mortgagePayment.annualInsurance.value;
var VmonthlyInsurance = 0;
if(VannualInsurance == 0 || VannualInsurance == "") {

   VannualInsurance = 0;
   VmonthlyInsurance = 0;
} else {

   VannualInsurance = stripNum(VannualInsurance);
   VmonthlyInsurance = VannualInsurance / 12;
   VmonthlyInsurance *= 100;
   VmonthlyInsurance = Math.round(VmonthlyInsurance);
   VmonthlyInsurance /= 100;
}
var VmonthlyPMI = document.mortgagePayment.monthlyPMI.value;

if(VmonthlyPMI == 0 || VmonthlyPMI == "") {

   VmonthlyPMI = 0;

} else {

   VmonthlyPMI = stripNum(VmonthlyPMI);

}
var VotherPmts = eval(VmonthlyTax) + eval(VmonthlyInsurance) + eval(VmonthlyPMI);
var VnumPmts = VnumYears * 12;
var pmtAmt = computeMonthlyPayment(Vprincipal, VnumPmts, VintRate);
var VtotalMtgPmt = eval(pmtAmt) + eval(VotherPmts);
var prin = Vprincipal;
var Vint = VintRate;
if(Vint >= 1) {

   Vint /= 100;

   }

Vint /= 12;
var nPer = VnumPmts;
var intPort = 0;
var accumInt = 0;
var prinPort = 0;
var accumPrin = 0;
var count = 0;
var pmtRow = "";
var pmtNum = 0;
var today = new Date();
var dayFactor = today.getTime();
var pmtDay = today.getDate();
var loanMM = today.getMonth() + 1;
var loanYY = today.getYear();
if(loanYY < 1900) {
   loanYY += 1900;
}
var loanDate = (loanMM + "/" + pmtDay + "/" + loanYY);
var monthMS = 86400000 * 30.4;
var pmtDate = 0;
var displayPmtAmt = 0;
var accumYearPrin = 0;
var accumYearInt = 0;
while(count < nPer) {

   if(count < (nPer - 1)) {

      intPort = prin * Vint;
      intPort *= 100;
      intPort = Math.round(intPort);
      intPort /= 100;
      accumInt = eval(accumInt) + eval(intPort);
      accumYearInt = eval(accumYearInt) + eval(intPort);
      prinPort = eval(pmtAmt) - eval(intPort);
      prinPort *= 100;
      prinPort = Math.round(prinPort);
      prinPort /= 100;

      accumPrin = eval(accumPrin) + eval(prinPort);
      accumYearPrin = eval(accumYearPrin) + eval(prinPort);

      prin = eval(prin) - eval(prinPort);

      displayPmtAmt = eval(prinPort) + eval(intPort);

   } else {

      intPort = prin * Vint;
      intPort *= 100;
      intPort = Math.round(intPort);
      intPort /= 100;

      accumInt = eval(accumInt) + eval(intPort);
      accumYearInt = eval(accumYearInt) + eval(intPort);

      prinPort = prin;

      accumPrin = eval(accumPrin) + eval(prinPort);
      accumYearPrin = eval(accumYearPrin) + eval(prinPort);

      prin = 0;

      //pmtAmt = eval(intPort) + eval(prinPort);
      displayPmtAmt = eval(prinPort) + eval(intPort);
   }

   count = eval(count) + eval(1);

   pmtNum = eval(pmtNum) + eval(1);

   dayFactor = eval(dayFactor) + eval(monthMS);

   pmtDate = new Date(dayFactor);

   pmtMonth = pmtDate.getMonth();

   pmtMonth = pmtMonth + 1;

   pmtYear = pmtDate.getYear();
   if(pmtYear < 1900) {
      pmtYear += 1900;
   }
   pmtString = (pmtMonth + "/" + pmtDay + "/" + pmtYear);

   pmtRow = ("" + pmtRow + "<tr><td align=right><font face='arial'><small>" + pmtNum + "</small></font></td><td align=right><font face='arial'><small>" + pmtString + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(prinPort) + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(intPort) + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(displayPmtAmt) + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(prin) + "</small></font></td></tr>");

   if(pmtMonth == 12 || count == nPer) {

pmtRow = ("" + pmtRow + "<tr bgcolor='#dddddd'><td align=right><font face='arial'><small>Total</small></font></td><td align=left><font face='arial'><small>" + pmtYear + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(accumYearPrin) + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(accumYearInt) + "</small></font></td><td align=right><font face='arial'><small> </small></font></td><td align=right><font face='arial'><small> </small></font></td></tr>");

   accumYearPrin = 0;
   accumYearInt = 0;
   }
      if(count > 600) {

         alert("Using your current entries you will never pay off this loan.");

         break;

         } else {

         continue;
         }

    }


var part1 = ("<head><title>Amortization Schedule</title></head>" + "<body bgcolor= '#FFFFFF'><br><br><center><font face='arial'><big><strong>Amortization Schedule</strong></big></font></center>");
var part2 = ("<center><table border=1 cellpadding=2 cellspacing=0><tr><td colspan=6><font face='arial'><small><b>Loan Date: " + loanDate + "<br>Principal: $" + formatNumber(Vprincipal) + "<br># of Payments: " + nPer + "<br>Interest Rate: " + formatNumber(VintRate) + "%<br>Payment: $" + formatNumber(pmtAmt) + "</b></small></font></td></tr><tr><td colspan=6><center><font face='arial'><b>Schedule of Payments</b></font><br><font face='arial'><small><small>Please allow for slight rounding differences.</small></small></font></center></td></tr><tr bgcolor='silver'><td align='center'><font face='arial'><small><b>Pmt #</b></small></font></td><td align='center'><font face='arial'><small><b>Date</b></small></font></td><td align='center'><font face='arial'><small><b>Principal</b></small></font></td><td align='center'><font face='arial'><small><b>Interest</b></small></font></td><td align='center'><font face='arial'><small><b>Payment</b></small></font></td><td align='center'><font face='arial'><small><b>Balance</b></small></font></td></tr>");
var part3 = ("" + pmtRow + "");
var totalPmts = eval(accumPrin) + eval(accumInt);
var part4 = ("<tr><td colspan='2'><font face='arial'><small><b>Grand Total</b></small></font></td><td align=right><font face='arial'><small><b>" + formatCurrency(accumPrin) + "</b></small></font></td><td align=right><font face='arial'><small><b>" + formatCurrency(accumInt) + "</b></small></font></td><td><font face='arial'><small><b>" + formatCurrency(totalPmts,2,1) + "</b></small></font></td><td> </td></tr></table><br><center><form method='post'><input type='button' value='Close Window' onClick='window.close()'></form></center></body></html>");
var schedule = (part1 + "" + part2 + "" + part3 + part4 + "");
  reportWin = window.open("","","width=500,height=400,toolbar=yes,menubar=yes,scrollbars=yes");
  reportWin.document.write(schedule);
  reportWin.document.close();
   }
}
//GIVE ENTRY INSTRUCTIONS
function help01(form) {
document.mortgagePayment.enterHelp.value = ("ENTER: The total amount you would be borrowing to purchase the home.");
}
function help02(form) {
document.mortgagePayment.enterHelp.value = ("ENTER: The annual interest rate you expect to pay on this mortgage. You can enter the rate either as a percentage (8.25) or as a decimal (.0825), whichever you prefer.");
}
function help03(form) {
document.mortgagePayment.enterHelp.value = ("ENTER: The number of years you will be financing the home loan for.");
}

function help04(form) {
document.mortgagePayment.enterHelp.value = ("ENTER: The annual property tax payment you expect to pay. As a rule of thumb, you can expect to pay 1.1% (home price X .011) of the purchase price per year.");
}
function help05(form) {
document.mortgagePayment.enterHelp.value = ("ENTER: The annual homeowner's insurance payment you expect to pay. As a rule of thumb, you can expect to pay 1.5% (home price X .015) of the purchase price per year.");
}
function help06(form) {
document.mortgagePayment.enterHelp.value = ("ENTER: The monthly Private Mortgage Insurance (PMI) you expect to pay. If your downpayment is less than 20% of the value of the home you are buying, you may be required to pay mortgage insurance of somewhere between 0.02% and 0.07% of your principal balance each month (e.g, principal balance X .00043).");
}
//GIVE RESULT EXPLANATIONS
function help07(form) {
document.mortgagePayment.resultHelp.value = ("RESULT: This how much your monthly principal and interest payment will be.");
}
function help08(form) {
document.mortgagePayment.resultHelp.value = ("RESULT: This is the total of your other monthly payments (taxes, insurance & PMI).");
}

function help09(form) {
document.mortgagePayment.resultHelp.value = ("RESULT: This the total of all monthly payments related to your mortgage.");
}