// JavaScript Document


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 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 computeForm1(form)

{

var VmonthlyIncome = stripNum(form.monthlyIncome.value);
var VspouseIncome = stripNum(form.spouseIncome.value);
var VotherIncome = stripNum(form.otherIncome.value);
var VrentMortgagePmt = stripNum(form.rentMortgagePmt.value);
var VsecondMortgagePmt = stripNum(form.secondMortgagePmt.value);
var VvehiclePmts = stripNum(form.vehiclePmts.value);
var VcreditUnionPmts = stripNum(form.creditUnionPmts.value);
var VotherLoanPmts = stripNum(form.otherLoanPmts.value);
var VchargePmts = stripNum(form.chargePmts.value);
var VotherPmts = stripNum(form.otherPmts.value);
var VpendingLoanPmts = stripNum(form.pendingLoanPmts.value);

var VtotalIncome = eval(VmonthlyIncome) + eval(VspouseIncome) + eval(VotherIncome);

if(VtotalIncome == 0) {
   form.totalIncome.value = "";
   form.totalPmts.value = "";
   form.debtRatio.value = "";
   alert("Please enter a monthly income figure.");
} else {

form.totalIncome.value= "$" + formatNumber(VtotalIncome);

var VtotalPmts = eval(VrentMortgagePmt) + eval(VsecondMortgagePmt) + eval(VvehiclePmts) + eval(VcreditUnionPmts) + eval(VotherLoanPmts) + eval(VchargePmts) + eval(VotherPmts) + eval(VpendingLoanPmts);
form.totalPmts.value= "$" + formatNumber(VtotalPmts);

var VdebtRatio = VtotalPmts / VtotalIncome * 100;
form.debtRatio.value = formatNumber(VdebtRatio) + "%";
}
}


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 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 formatNumberDec(num, places, comma) {

var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = eval(myPlaces) + eval(1);
       myZeros = myZeros + "0";
    }
    
	onum=Math.round(num*myDecFact)/myDecFact;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

   if(places > 0) {
      decimal = "." + decimal;
   }

   if(comma == 1) {
	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;
   } else {
      finNum=integer+""+decimal;
   }

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

	return finNum;
}


function computeForm2(form) {

if(form.principal.value == "" || form.principal.value == 0) {
   alert("Please enter the debt's principal balance.");
   form.principal.focus();
   } else
      if(form.interest.value == "" || form.interest.value == 0) {
      alert("Please enter the debt's annual interest rate.");
      form.interest.focus();
   } else {

var Vprincipal = stripNum(form.principal.value);
var Vinterest = stripNum(form.interest.value);

var today = new Date();
var nowMonth = today.getMonth() + 1;
var nowYear = today.getYear();
if(nowYear < 1900) {
   nowYear += 1900;
}

var nowMonths = eval(nowYear * 12) + eval(nowMonth);

var VgoalMonth = form.goalMonth.options[form.goalMonth.selectedIndex].value;

var VgoalYear = form.goalYear.options[form.goalYear.selectedIndex].value;

var VgoalMonths = eval(VgoalYear * 12) + eval(VgoalMonth);

if(VgoalMonths <= nowMonths) {
  alert("The payoff goal month and year selected is a current or past date. Please select a future payoff goal date and try again.");
} else {

var VnumMonths = eval(VgoalMonths) - eval(nowMonths);

var Vpayment = computeMonthlyPayment(Vprincipal, VnumMonths, Vinterest)

form.payment.value = "$" + formatNumberDec(Vpayment,2,1);

form.numMonths.value = VnumMonths;

var VintCost = eval(Vpayment * VnumMonths) - eval(Vprincipal);
form.intCost.value = "$" + formatNumberDec(VintCost,2,1);

      }

  }

}

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) {
      num=num.substring(0,iComma) + "" + num.substring(iComma + 1,numLength);
      numLength=num.length;
      }

      num = eval(num);


} else {

num = 0;

}

return num;

}



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 computeForm3(form) {

if(form.interest.value == 0 || form.interest.value == "") {
   alert("Please enter this debt's annual interest rate.");
   form.interest.focus();
} else
if(form.principal.value == 0 || form.principal.value == "") {
   alert("Please enter this debt's current principal balance.");
   form.principal.focus();
} else {


var i = stripNum(form.interest.value);
if (i >= 1.0) {
   i = i / 100.0;
}
i /= 12;

var Vprincipal = stripNum(form.principal.value);

var prin = Vprincipal;
var pmt = 0;
var prinPort = 0;
var intPort = 0;
var count = 0;
var accruedInt = 0;

var Vminpaydol = 15;
var Vminpayperc = .025;

while(prin > 0) {
   if(eval(prin * Vminpayperc) < Vminpaydol) {
      pmt = Vminpaydol;
   } else {
      pmt = eval(Vminpayperc * prin);
   }
   intPort = eval(i * prin);
   prinPort = eval(pmt - intPort);
   prin = eval(prin - prinPort);
   accruedInt = eval(accruedInt + intPort);
   count = eval(count) + eval(1);
   if(count > 1000) {
      accruedInt = "0";
      alert("Number of payments exceeds 1000.  Please decrease the annual interest rate and/or the balance owed and recalculate.");
      break;
   } else {
      continue;
   }
}

form.totalInterest.value = "$" + formatNumber(accruedInt);
var numYears = count / 12;
form.years.value = formatNumber(numYears);


}
}