function MaxMortgage()
	{
	document.maxmortgagecalc.salary1.value = ForceNumeric(document.maxmortgagecalc.salary1.value);
	document.maxmortgagecalc.salary2.value = ForceNumeric(document.maxmortgagecalc.salary2.value);
	var salary1 = document.maxmortgagecalc.salary1.value;
	var salary2 = document.maxmortgagecalc.salary2.value;
	if (salary1 > 0) 
		{
		if (salary2 == 0)
			{
			typical_loan = salary1 * 3.25;	
			high_loan = salary1 * 4;
			}
		else
			{
			var jointsalary = Math.abs(salary1) + Math.abs(salary2);
			typical_loan = 2.5 * jointsalary;
			high_loan = 3 * jointsalary;
			}
		document.maxmortgagecalc.typical.value = FormatNumber(typical_loan,0);
		document.maxmortgagecalc.high.value = FormatNumber(high_loan,0);
		}
	else
		{
		document.maxmortgagecalc.typical.value = "ERROR";
		document.maxmortgagecalc.high.value = "ERROR";
		}
	}

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)
}


function ForceNumeric(nValue)
	{
	validChars = "0123456789.";
	newValue="";
	for(k = 0; k < nValue.length; k++)
		{
		thisChar = nValue.charAt(k);
		if(validChars.indexOf(thisChar) != -1) newValue += thisChar;
		}
	return newValue;
	}


function CalcRepayments()
{
    if (document.mortgagerepayments.price.value == 0 || document.mortgagerepayments.price.value.length == 0) {
        alert ("Please enter a purchase price");
        document.mortgagerepayments.price.focus(); }
    else if (document.mortgagerepayments.rate.value == 0 || document.mortgagerepayments.rate.value.length == 0) {
        alert ("Please enter an interest rate");
        document.mortgagerepayments.rate.focus(); }
    else if (document.mortgagerepayments.term.value == 0 || document.mortgagerepayments.term.value.length == 0) {
        alert ("Please enter the term of the mortgage");
        document.mortgagerepayments.term.focus(); }
    else
        
    
    document.mortgagerepayments.price.value = ForceNumeric(document.mortgagerepayments.price.value,0);	
    document.mortgagerepayments.rate.value = ForceNumeric(document.mortgagerepayments.rate.value,0);	
    document.mortgagerepayments.deposit.value = ForceNumeric(document.mortgagerepayments.deposit.value,0);	
    document.mortgagerepayments.term.value = ForceNumeric(document.mortgagerepayments.term.value,0);	

    princ = document.mortgagerepayments.price.value - document.mortgagerepayments.deposit.value;
    
    
    
    intonlyRate = document.mortgagerepayments.rate.value / 12;
    intRate = (document.mortgagerepayments.rate.value/100) / 12;
    months = document.mortgagerepayments.term.value * 12;
    
    document.mortgagerepayments.repayment.value = FormatNumber(Math.floor((princ*intRate)/(1-Math.pow(1+intRate,(-1*months)))*100)/100,2);
    
    document.mortgagerepayments.intonly.value = FormatNumber(Math.floor(princ*intonlyRate) / 100,2);
    
    }