<!--------- calculations for debt consolidation 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 addbals(n1, n2, n3, n4, n5, n6, n7, n8, n9)
{ 
   total = n1 + n2 + n3 + n4 + n5 + n6 + n7 + n8 + n9;
}

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 convertbals(form)
{
	var str1 = form.T1.value; 
	var str2 = form.T2.value;
	var str3 = form.T3.value;
	var str4 = form.T4.value;
	var str5 = form.T5.value;
	var str6 = form.T6.value;
	var str7 = form.T7.value;
	var str8 = form.T8.value;
	var str9 = form.T9.value;
	var num1 = 0;
	var num2 = 0;
	var num3 = 0;
	var num4 = 0;
	var num5 = 0;
	var num6 = 0;
	var num7 = 0;
	var num8 = 0;
	var num9 = 0;

		if (str1 == "") {num1 = 0;} else {num1 = tval1_n;}
		if (str2 == "") {num2 = 0;} else {num2 = tval2_n;}
		if (str3 == "") {num3 = 0;} else {num3 = tval3_n;}
		if (str4 == "") {num4 = 0;} else {num4 = tval4_n;}
		if (str5 == "") {num5 = 0;} else {num5 = tval5_n;}
		if (str6 == "") {num6 = 0;} else {num6 = tval6_n;}
		if (str7 == "") {num7 = 0;} else {num7 = tval7_n;}
		if (str8 == "") {num8 = 0;} else {num8 = tval8_n;}
		if (str9 == "") {num9 = 0;} else {num9 = tval9_n;}

   addbals(num1,num2,num3,num4,num5,num6,num7,num8,num9);

}

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)
{

	// convertbals(form);
	// amtround(total);
	// totbal = numrnd;
	// form.totbal.value = numrnd;

		T1 = form.T1.value;
		tval = T1.split(",");
		if (tval.length > 1) {temp_value = tval[0] + tval[1];} else {temp_value = tval[0];}
		if (tval.length > 2) {temp_value = tval[0] + tval[1] + tval[2];}
		tval1_n = parseFloat(temp_value);

	if (form.T1.value != "") {
	calculate(tval1_n, form.rate1.value, form.term.value);} else
	 {result = 0}
	nonresult = result;

		T2 = form.T2.value;
		tval = T2.split(",");
		if (tval.length > 1) {temp_value = tval[0] + tval[1];} else {temp_value = tval[0];}
		if (tval.length > 2) {temp_value = tval[0] + tval[1] + tval[2];}
		tval2_n = parseFloat(temp_value);

	if (form.T2.value != "") {
	calculate(tval2_n, form.rate2.value, form.term.value);} else
	 {result = 0}
	nonresult = result + nonresult;

		T3 = form.T3.value;
		tval = T3.split(",");
		if (tval.length > 1) {temp_value = tval[0] + tval[1];} else {temp_value = tval[0];}
		if (tval.length > 2) {temp_value = tval[0] + tval[1] + tval[2];}
		tval3_n = parseFloat(temp_value);

	if (form.T3.value != "") {
	calculate(tval3_n, form.rate3.value, form.term.value);} else
	 {result = 0}
	nonresult = result + nonresult;

		T4 = form.T4.value;
		tval = T4.split(",");
		if (tval.length > 1) {temp_value = tval[0] + tval[1];} else {temp_value = tval[0];}
		if (tval.length > 2) {temp_value = tval[0] + tval[1] + tval[2];}
		tval4_n = parseFloat(temp_value);

	if (form.T4.value != "") {
	calculate(tval4_n, form.rate4.value, form.term.value);} else
	 {result = 0}
	nonresult = result + nonresult;

		T5 = form.T5.value;
		tval = T5.split(",");
		if (tval.length > 1) {temp_value = tval[0] + tval[1];} else {temp_value = tval[0];}
		if (tval.length > 2) {temp_value = tval[0] + tval[1] + tval[2];}
		tval5_n = parseFloat(temp_value);

	if (form.T5.value != "") {
	calculate(tval5_n, form.rate5.value, form.term.value);} else
	 {result = 0}
	nonresult = result + nonresult;

		T6 = form.T6.value;
		tval = T6.split(",");
		if (tval.length > 1) {temp_value = tval[0] + tval[1];} else {temp_value = tval[0];}
		if (tval.length > 2) {temp_value = tval[0] + tval[1] + tval[2];}
		tval6_n = parseFloat(temp_value);

	if (form.T6.value != "") {
	calculate(tval6_n, form.rate6.value, form.term.value);} else
	 {result = 0}
	nonresult = result + nonresult;

		T7 = form.T7.value;
		tval = T7.split(",");
		if (tval.length > 1) {temp_value = tval[0] + tval[1];} else {temp_value = tval[0];}
		if (tval.length > 2) {temp_value = tval[0] + tval[1] + tval[2];}
		tval7_n = parseFloat(temp_value);

	if (form.T7.value != "") {
	calculate(tval7_n, form.rate7.value, form.term.value);} else
	 {result = 0}
	nonresult = result + nonresult;

		T8 = form.T8.value;
		tval = T8.split(",");
		if (tval.length > 1) {temp_value = tval[0] + tval[1];} else {temp_value = tval[0];}
		if (tval.length > 2) {temp_value = tval[0] + tval[1] + tval[2];}
		tval8_n = parseFloat(temp_value);

	if (form.T8.value != "") {
	calculate(tval8_n, form.rate8.value, form.term.value);} else
	 {result = 0}
	nonresult = result + nonresult;

		T9 = form.T9.value;
		tval = T9.split(",");
		if (tval.length > 1) {temp_value = tval[0] + tval[1];} else {temp_value = tval[0];}
		if (tval.length > 2) {temp_value = tval[0] + tval[1] + tval[2];}
		tval9_n = parseFloat(temp_value);

	if (form.T9.value != "") {
	calculate(tval9_n, form.rate9.value, form.term.value);} else
	 {result = 0}
	nonresult = result + nonresult;
	amtround(nonresult);
	nonresult = numrnd;
	// form.nonresult.value = numrnd;
	

	convertbals(form);
	amtround(total);
	totbal = numrnd;
	// addbals(tval1_n,tval2_n,tval3_n,tval4_n,tval5_n,tval6_n,tval7_n,tval8_n,tval9_n);
	// amtround(total);
	// totbal = numrnd;
	

	if (form.T1.value != "") {
	calculate(tval1_n, form.rate1.value, 36);} else
	 {result = 0}
	nonresult36 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.rate2.value, 36);} else
	 {result = 0}
	nonresult36 = result + nonresult36;

	if (form.T3.value != "") {
	calculate(tval3_n, form.rate3.value, 36);} else
	 {result = 0}
	nonresult36 = result + nonresult36;

	if (form.T4.value != "") {
	calculate(tval4_n, form.rate4.value, 36);} else
	 {result = 0}
	nonresult36 = result + nonresult36;

	if (form.T5.value != "") {
	calculate(tval5_n, form.rate5.value, 36);} else
	 {result = 0}
	nonresult36 = result + nonresult36;

	if (form.T6.value != "") {
	calculate(tval6_n, form.rate6.value, 36);} else
	 {result = 0}
	nonresult36 = result + nonresult36;

	if (form.T7.value != "") {
	calculate(tval7_n, form.rate7.value, 36);} else
	 {result = 0}
	nonresult36 = result + nonresult36;

	if (form.T8.value != "") {
	calculate(tval8_n, form.rate8.value, 36);} else
	 {result = 0}
	nonresult36 = result + nonresult36;

	if (form.T9.value != "") {
	calculate(tval9_n, form.rate9.value, 36);} else
	 {result = 0}
	nonresult36 = result + nonresult36;
	amtround(nonresult36);
	nonresult36 = numrnd;
	// form.nonresult36.value = numrnd;
	

	if (form.T1.value != "") {
	calculate(tval1_n, form.rate1.value, 60);} else
	 {result = 0}
	nonresult60 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.rate2.value, 60);} else
	 {result = 0}
	nonresult60 = result + nonresult60;

	if (form.T3.value != "") {
	calculate(tval3_n, form.rate3.value, 60);} else
	 {result = 0}
	nonresult60 = result + nonresult60;

	if (form.T4.value != "") {
	calculate(tval4_n, form.rate4.value, 60);} else
	 {result = 0}
	nonresult60 = result + nonresult60;

	if (form.T5.value != "") {
	calculate(tval5_n, form.rate5.value, 60);} else
	 {result = 0}
	nonresult60 = result + nonresult60;

	if (form.T6.value != "") {
	calculate(tval6_n, form.rate6.value, 60);} else
	 {result = 0}
	nonresult60 = result + nonresult60;

	if (form.T7.value != "") {
	calculate(tval7_n, form.rate7.value, 60);} else
	 {result = 0}
	nonresult60 = result + nonresult60;

	if (form.T8.value != "") {
	calculate(tval8_n, form.rate8.value, 60);} else
	 {result = 0}
	nonresult60 = result + nonresult60;

	if (form.T9.value != "") {
	calculate(tval9_n, form.rate9.value, 60);} else
	 {result = 0}
	nonresult60 = result + nonresult60;
	amtround(nonresult60);
	nonresult60 = numrnd;
	// form.nonresult60.value = numrnd;

	if (form.T1.value != "") {
	calculate(tval1_n, form.rate1.value, 84);} else
	 {result = 0}
	nonresult84 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.rate2.value, 84);} else
	 {result = 0}
	nonresult84 = result + nonresult84;

	if (form.T3.value != "") {
	calculate(tval3_n, form.rate3.value, 84);} else
	 {result = 0}
	nonresult84 = result + nonresult84;

	if (form.T4.value != "") {
	calculate(tval4_n, form.rate4.value, 84);} else
	 {result = 0}
	nonresult84 = result + nonresult84;

	if (form.T5.value != "") {
	calculate(tval5_n, form.rate5.value, 84);} else
	 {result = 0}
	nonresult84 = result + nonresult84;

	if (form.T6.value != "") {
	calculate(tval6_n, form.rate6.value, 84);} else
	 {result = 0}
	nonresult84 = result + nonresult84;

	if (form.T7.value != "") {
	calculate(tval7_n, form.rate7.value, 84);} else
	 {result = 0}
	nonresult84 = result + nonresult84;

	if (form.T8.value != "") {
	calculate(tval8_n, form.rate8.value, 84);} else
	 {result = 0}
	nonresult84 = result + nonresult84;

	if (form.T9.value != "") {
	calculate(tval9_n, form.rate9.value, 84);} else
	 {result = 0}
	nonresult84 = result + nonresult84;
	amtround(nonresult84);
	nonresult84 = numrnd;
	// form.nonresult84.value = numrnd;

	if (form.T1.value != "") {
	calculate(tval1_n, form.rate1.value, 120);} else
	 {result = 0}
	nonresult120 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.rate2.value, 120);} else
	 {result = 0}
	nonresult120 = result + nonresult120;

	if (form.T3.value != "") {
	calculate(tval3_n, form.rate3.value, 120);} else
	 {result = 0}
	nonresult120 = result + nonresult120;

	if (form.T4.value != "") {
	calculate(tval4_n, form.rate4.value, 120);} else
	 {result = 0}
	nonresult120 = result + nonresult120;

	if (form.T5.value != "") {
	calculate(tval5_n, form.rate5.value, 120);} else
	 {result = 0}
	nonresult120 = result + nonresult120;

	if (form.T6.value != "") {
	calculate(tval6_n, form.rate6.value, 120);} else
	 {result = 0}
	nonresult120 = result + nonresult120;

	if (form.T7.value != "") {
	calculate(tval7_n, form.rate7.value, 120);} else
	 {result = 0}
	nonresult120 = result + nonresult120;

	if (form.T8.value != "") {
	calculate(tval8_n, form.rate8.value, 120);} else
	 {result = 0}
	nonresult120 = result + nonresult120;

	if (form.T9.value != "") {
	calculate(tval9_n, form.rate9.value, 120);} else
	 {result = 0}
	nonresult120 = result + nonresult120;
	amtround(nonresult120);
	nonresult120 = numrnd;
	// form.nonresult120.value = numrnd;

	if (form.T1.value != "") {
	calculate(tval1_n, form.rate1.value, 180);} else
	 {result = 0}
	nonresult180 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.rate2.value, 180);} else
	 {result = 0}
	nonresult180 = result + nonresult180;

	if (form.T3.value != "") {
	calculate(tval3_n, form.rate3.value, 180);} else
	 {result = 0}
	nonresult180 = result + nonresult180;

	if (form.T4.value != "") {
	calculate(tval4_n, form.rate4.value, 180);} else
	 {result = 0}
	nonresult180 = result + nonresult180;

	if (form.T5.value != "") {
	calculate(tval5_n, form.rate5.value, 180);} else
	 {result = 0}
	nonresult180 = result + nonresult180;

	if (form.T6.value != "") {
	calculate(tval6_n, form.rate6.value, 180);} else
	 {result = 0}
	nonresult180 = result + nonresult180;

	if (form.T7.value != "") {
	calculate(tval7_n, form.rate7.value, 180);} else
	 {result = 0}
	nonresult180 = result + nonresult180;

	if (form.T8.value != "") {
	calculate(tval8_n, form.rate8.value, 180);} else
	 {result = 0}
	nonresult180 = result + nonresult180;

	if (form.T9.value != "") {
	calculate(tval9_n, form.rate9.value, 180);} else
	 {result = 0}
	nonresult180 = result + nonresult180;
	amtround(nonresult180);
	nonresult180 = numrnd;
	// form.nonresult180.value = numrnd;

	if (form.T1.value != "") {
	calculate(tval1_n, form.rate1.value, 240);} else
	 {result = 0}
	nonresult240 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.rate2.value, 240);} else
	 {result = 0}
	nonresult240 = result + nonresult240;

	if (form.T3.value != "") {
	calculate(tval3_n, form.rate3.value, 240);} else
	 {result = 0}
	nonresult240 = result + nonresult240;

	if (form.T4.value != "") {
	calculate(tval4_n, form.rate4.value, 240);} else
	 {result = 0}
	nonresult240 = result + nonresult240;

	if (form.T5.value != "") {
	calculate(tval5_n, form.rate5.value, 240);} else
	 {result = 0}
	nonresult240 = result + nonresult240;

	if (form.T6.value != "") {
	calculate(tval6_n, form.rate6.value, 240);} else
	 {result = 0}
	nonresult240 = result + nonresult240;

	if (form.T7.value != "") {
	calculate(tval7_n, form.rate7.value, 240);} else
	 {result = 0}
	nonresult240 = result + nonresult240;

	if (form.T8.value != "") {
	calculate(tval8_n, form.rate8.value, 240);} else
	 {result = 0}
	nonresult240 = result + nonresult240;

	if (form.T9.value != "") {
	calculate(tval9_n, form.rate9.value, 240);} else
	 {result = 0}
	nonresult240 = result + nonresult240;
	amtround(nonresult240);
	nonresult240 = numrnd;
	// form.nonresult180.value = numrnd;


	if (form.T1.value != "") {
	calculate(tval1_n, form.irate.value, 36);} else
	 {result = 0}
	result36 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.irate.value, 36);} else
	 {result = 0}
	result36 = result + result36;

	if (form.T3.value != "") {
	calculate(tval3_n, form.irate.value, 36);} else
	 {result = 0}
	result36 = result + result36;

	if (form.T4.value != "") {
	calculate(tval4_n, form.irate.value, 36);} else
	 {result = 0}
	result36 = result + result36;

	if (form.T5.value != "") {
	calculate(tval5_n, form.irate.value, 36);} else
	 {result = 0}
	result36 = result + result36;

	if (form.T6.value != "") {
	calculate(tval6_n, form.irate.value, 36);} else
	 {result = 0}
	result36 = result + result36;

	if (form.T7.value != "") {
	calculate(tval7_n, form.irate.value, 36);} else
	 {result = 0}
	result36 = result + result36;

	if (form.T8.value != "") {
	calculate(tval8_n, form.irate.value, 36);} else
	 {result = 0}
	result36 = result + result36;

	if (form.T9.value != "") {
	calculate(tval9_n, form.irate.value, 36);} else
	 {result = 0}
	result36 = result + result36;
	amtround(result36);
	result36 = numrnd;
	// form.result36.value = numrnd;

	if (form.T1.value != "") {
	calculate(tval1_n, form.irate.value, 60);} else
	 {result = 0}
	result60 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.irate.value, 60);} else
	 {result = 0}
	result60 = result + result60;

	if (form.T3.value != "") {
	calculate(tval3_n, form.irate.value, 60);} else
	 {result = 0}
	result60 = result + result60;

	if (form.T4.value != "") {
	calculate(tval4_n, form.irate.value, 60);} else
	 {result = 0}
	result60 = result + result60;

	if (form.T5.value != "") {
	calculate(tval5_n, form.irate.value, 60);} else
	 {result = 0}
	result60 = result + result60;

	if (form.T6.value != "") {
	calculate(tval6_n, form.irate.value, 60);} else
	 {result = 0}
	result60 = result + result60;

	if (form.T7.value != "") {
	calculate(tval7_n, form.irate.value, 60);} else
	 {result = 0}
	result60 = result + result60;

	if (form.T8.value != "") {
	calculate(tval8_n, form.irate.value, 60);} else
	 {result = 0}
	result60 = result + result60;

	if (form.T9.value != "") {
	calculate(tval9_n, form.irate.value, 60);} else
	 {result = 0}
	result60 = result + result60;
	amtround(result60);
	result60 = numrnd;
	// form.result60.value = numrnd;

	if (form.T1.value != "") {
	calculate(tval1_n, form.irate.value, 84);} else
	 {result = 0}
	result84 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.irate.value, 84);} else
	 {result = 0}
	result84 = result + result84;

	if (form.T3.value != "") {
	calculate(tval3_n, form.irate.value, 84);} else
	 {result = 0}
	result84 = result + result84;

	if (form.T4.value != "") {
	calculate(tval4_n, form.irate.value, 84);} else
	 {result = 0}
	result84 = result + result84;

	if (form.T5.value != "") {
	calculate(tval5_n, form.irate.value, 84);} else
	 {result = 0}
	result84 = result + result84;

	if (form.T6.value != "") {
	calculate(tval6_n, form.irate.value, 84);} else
	 {result = 0}
	result84 = result + result84;

	if (form.T7.value != "") {
	calculate(tval7_n, form.irate.value, 84);} else
	 {result = 0}
	result84 = result + result84;

	if (form.T8.value != "") {
	calculate(tval8_n, form.irate.value, 84);} else
	 {result = 0}
	result84 = result + result84;

	if (form.T9.value != "") {
	calculate(tval9_n, form.irate.value, 84);} else
	 {result = 0}
	result84 = result + result84;
	amtround(result84);
	result84 = numrnd;
	// form.result84.value = numrnd;

	if (form.T1.value != "") {
	calculate(tval1_n, form.irate.value, 120);} else
	 {result = 0}
	result120 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.irate.value, 120);} else
	 {result = 0}
	result120 = result + result120;

	if (form.T3.value != "") {
	calculate(tval3_n, form.irate.value, 120);} else
	 {result = 0}
	result120 = result + result120;

	if (form.T4.value != "") {
	calculate(tval4_n, form.irate.value, 120);} else
	 {result = 0}
	result120 = result + result120;

	if (form.T5.value != "") {
	calculate(tval5_n, form.irate.value, 120);} else
	 {result = 0}
	result120 = result + result120;

	if (form.T6.value != "") {
	calculate(tval6_n, form.irate.value, 120);} else
	 {result = 0}
	result120 = result + result120;

	if (form.T7.value != "") {
	calculate(tval7_n, form.irate.value, 120);} else
	 {result = 0}
	result120 = result + result120;

	if (form.T8.value != "") {
	calculate(tval8_n, form.irate.value, 120);} else
	 {result = 0}
	result120 = result + result120;

	if (form.T9.value != "") {
	calculate(tval9_n, form.irate.value, 120);} else
	 {result = 0}
	result120 = result + result120;
	amtround(result120);
	result120 = numrnd;
	// form.result120.value = numrnd;

	if (form.T1.value != "") {
	calculate(tval1_n, form.irate.value, 180);} else
	 {result = 0}
	result180 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.irate.value, 180);} else
	 {result = 0}
	result180 = result + result180;

	if (form.T3.value != "") {
	calculate(tval3_n, form.irate.value, 180);} else
	 {result = 0}
	result180 = result + result180;

	if (form.T4.value != "") {
	calculate(tval4_n, form.irate.value, 180);} else
	 {result = 0}
	result180 = result + result180;

	if (form.T5.value != "") {
	calculate(tval5_n, form.irate.value, 180);} else
	 {result = 0}
	result180 = result + result180;

	if (form.T6.value != "") {
	calculate(tval6_n, form.irate.value, 180);} else
	 {result = 0}
	result180 = result + result180;

	if (form.T7.value != "") {
	calculate(tval7_n, form.irate.value, 180);} else
	 {result = 0}
	result180 = result + result180;

	if (form.T8.value != "") {
	calculate(tval8_n, form.irate.value, 180);} else
	 {result = 0}
	result180 = result + result180;

	if (form.T9.value != "") {
	calculate(tval9_n, form.irate.value, 180);} else
	 {result = 0}
	result180 = result + result180;
	amtround(result180);
	result180 = numrnd;
	// form.result180.value = numrnd;

	if (form.T1.value != "") {
	calculate(tval1_n, form.irate.value, 240);} else
	 {result = 0}
	result240 = result;
	
	if (form.T2.value != "") {
	calculate(tval2_n, form.irate.value, 240);} else
	 {result = 0}
	result240 = result + result240;

	if (form.T3.value != "") {
	calculate(tval3_n, form.irate.value, 240);} else
	 {result = 0}
	result240 = result + result240;

	if (form.T4.value != "") {
	calculate(tval4_n, form.irate.value, 240);} else
	 {result = 0}
	result240 = result + result240;

	if (form.T5.value != "") {
	calculate(tval5_n, form.irate.value, 240);} else
	 {result = 0}
	result240 = result + result240;

	if (form.T6.value != "") {
	calculate(tval6_n, form.irate.value, 240);} else
	 {result = 0}
	result240 = result + result240;

	if (form.T7.value != "") {
	calculate(tval7_n, form.irate.value, 240);} else
	 {result = 0}
	result240 = result + result240;

	if (form.T8.value != "") {
	calculate(tval8_n, form.irate.value, 240);} else
	 {result = 0}
	result240 = result + result240;

	if (form.T9.value != "") {
	calculate(tval9_n, form.irate.value, 240);} else
	 {result = 0}
	result240 = result + result240;
	amtround(result240);
	result240 = numrnd;
	// form.result240.value = numrnd;


	var paymts = 0;
	var p1 = 0;
	var p2 = 0;
	var answer = 0;
	var exp = form.term.value;

	i = form.irate.value;
	paymts = form.term.value;

	i = i / 100;
	i /= 12;
	
	if ((paymts != 0) || (paymts != "") || (i != 0) || (i != "")) 
{
      var p1 = totbal * 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; 
		answer = p1 / p2; }

	amtround(answer);
	answer_amt = numrnd;
	// form.answer.value = numrnd;

	if (nonresult > answer_amt)
			 {save = nonresult - answer_amt;} else {save = 0;} 
		amtround(save);
		saveval = numrnd;
		// form.save.value = numrnd;
		
		form.yrsave.value = numrnd*12;
		yrsaveval = numrnd*12;

	
	if (nonresult36 > result36) {save = nonresult36 - result36;}
			 else {save = 0;}
		amtround(save);
		save36 = numrnd;
		// form.save36.value = numrnd;

	if (nonresult60 > result60) {save = nonresult60 - result60;}
			 else {save = 0;}
		amtround(save);
		save60 = numrnd;
		// form.save60.value = numrnd;

	if (nonresult84 > result84) {save = nonresult84 - result84;}
			 else {save = 0;}
		amtround(save);
		save84 = numrnd;
		// form.save84.value = numrnd;

	if (nonresult120 > result120) {save = nonresult120 - result120;}
			 else {save = 0;}
		amtround(save);
		save120 = numrnd;
		// form.save120.value = numrnd;

	if (nonresult180 > result180) {save = nonresult180 - result180;}
			 else {save = 0;}
		amtround(save);
		save180 = numrnd;
		// form.save180.value = numrnd;

	if (nonresult240 > result240) {save = nonresult240 - result240;}
			 else {save = 0;}
		amtround(save);
		save240 = numrnd;
		// form.save240.value = numrnd;

	form.totbal.value = WGformatMoney(totbal, 12);
	form.nonresult.value = WGformatMoney(nonresult, 12);
	form.nonresult36.value = WGformatMoney(nonresult36, 12);
	form.nonresult60.value = WGformatMoney(nonresult60, 12);
	form.nonresult84.value = WGformatMoney(nonresult84, 12);
	form.nonresult120.value = WGformatMoney(nonresult120, 12);
	form.nonresult180.value = WGformatMoney(nonresult180, 12);
	form.nonresult240.value = WGformatMoney(nonresult240, 12);
	form.answer.value = WGformatMoney(answer_amt, 12);
	form.result36.value = WGformatMoney(result36, 12);
	form.result60.value = WGformatMoney(result60, 12);
	form.result84.value = WGformatMoney(result84, 12);
	form.result120.value = WGformatMoney(result120, 12);
	form.result180.value = WGformatMoney(result180, 12);
	form.result240.value = WGformatMoney(result240, 12);
	form.save.value = WGformatMoney(saveval, 12);
	form.yrsave.value = WGformatMoney(yrsaveval, 12);
	form.save36.value = WGformatMoney(save36, 12);
	form.save60.value = WGformatMoney(save60, 12);
	form.save84.value = WGformatMoney(save84, 12);
	form.save120.value = WGformatMoney(save120, 12);
	form.save180.value = WGformatMoney(save180, 12);
	form.save240.value = WGformatMoney(save240, 12);

}