function jumpBox(list) { location.href = list.options[list.selectedIndex].value }
function formatNum(Vnum) {

if(Vnum > 99000000) {
alert("Sorry, this will not generate numbers larger that 99 million.");
focus();
} else {
   
var V10million = parseInt(Vnum / 10000000);
var V1million = (Vnum % 10000000)  / 1000000;
if(V1million / 1000000 == 1) { V1million = 1; } else
if(V1million < 1) { V1million = "0"; } else { V1million = parseInt(V1million,10); }

var V100thousand = (Vnum % 1000000)  / 100000;
if(V100thousand / 100000 == 1) { V100thousand = 1; } else
if(V100thousand < 1) { V100thousand = "0"; } else { V100thousand = parseInt(V100thousand,10); }

var V10thousand = (Vnum % 100000)  / 10000;
if(V10thousand / 10000 == 1) { V10thousand = 1; } else
if(V10thousand < 1) { V10thousand = "0"; } else { V10thousand = parseInt(V10thousand,10); }

var V1thousand = (Vnum % 10000)  / 1000;
if(V1thousand / 1000 == 1) { V1thousand = 1; } else
if(V1thousand < 1) { V1thousand = "0"; } else { V1thousand = parseInt(V1thousand,10); }

var Vhundreds = (Vnum % 1000)  / 100;
if(Vhundreds / 100 == 1) { Vhundreds = 1; } else
if(Vhundreds < 1) { Vhundreds = "0"; } else { Vhundreds = parseInt(Vhundreds,10); }

var Vtens = (Vnum % 100)  / 10;
if(Vtens / 10 == 1) { Vtens = 1; } else
if(Vtens < 1) { Vtens = "0"; } else { Vtens = parseInt(Vtens,10); }

var Vones = (Vnum % 10)  / 1;
if(Vones / 1 == 1) { Vones = 1; } else
if(Vones < 1) { Vones = "0"; } else { Vones = parseInt(Vones,10); }

//START UPGRADE
var Vcents = 0;

if(Vnum % 1 * 100 < 1) { Vcents = 0; } else { Vcents = parseInt(((eval(Vnum % 1) * 100)),10); }
//END UPGRADE

if(Vcents < 1) { Vcents = "00"; }
else
if(Vcents % 10 == 0) { Vcents = Vcents + "0"; }
else
if(Vcents % 10 == Vcents) { Vcents = "0" + Vcents; } else { Vcents = Vcents; }

if(Vcents == "900") { Vcents = "90"; } else
if(Vcents == "800") { Vcents = "80"; } else 
if(Vcents == "700") { Vcents = "70"; } else 
if(Vcents == "600") { Vcents = "60"; } else 
if(Vcents == "500") { Vcents = "50"; } else 
if(Vcents == "400") { Vcents = "40"; } else 
if(Vcents == "300") { Vcents = "30"; } else
if(Vcents == "200") { Vcents = "20"; } else
if(Vcents == "100") { Vcents = "10"; } else { Vcents = Vcents; }
   
var Vformat = "";

if(Vnum >= 10000000) { Vformat = (V10million + "" + V1million + "," + V100thousand + "" + V10thousand + "" + V1thousand + "," + Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 1000000) { Vformat = (V1million + "," + V100thousand + "" + V10thousand + "" + V1thousand + "," + Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 100000) { Vformat = (V100thousand + "" + V10thousand + "" + V1thousand + "," + Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 10000) { Vformat = (V10thousand + "" + V1thousand + "," + Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 1000) { Vformat = (V1thousand + "," + Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 100) { Vformat = (Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 10) { Vformat = (Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 1) { Vformat = (Vones + "." + Vcents); } else { Vformat = ("0." + Vcents); }

return Vformat;
  }
}

function computeForm(form) {

if(form.principal.value == "" || form.principal.value == 0) {
alert("Please enter the principal balance of your current mortgage.");
form.principal.focus();
} else
if(form.interest.value == "" || form.interest.value == 0) {
alert("Please enter the interest rate of your current mortgage.");
form.interest.focus();
} else
if(form.origPmt.value == "" || form.origPmt.value == 0) {
alert("Please your current monthly mortgage payment.");
form.origPmt.focus();
} else
if(form.noYears.value == "" || form.noYears.value == 0) {
alert("Please enter the number of years you would like to pay off your mortgage in.");
form.noYears.focus();
} else {

var i = form.interest.value;
if (i > 1.0) { i = i / 100.0; }
i /= 12;
VnoYears = form.noYears.value;
VorigPmt = form.origPmt.value;
var noMonths = VnoYears * 12;
var pow = 1;
    for (var j = 0; j < noMonths; j++)
        pow = pow * (1 + i);
var newPmt = (form.principal.value * pow * i) / (pow - 1);
var VpmtAdd = eval(newPmt) - eval(VorigPmt);
form.pmtAdd.value = "$" + formatNum(VpmtAdd);
var prin = form.principal.value;
var count = 0;
var prinPort = 0;
var intPort = 0;
var accumInt = 0;
var pmt = form.origPmt.value;

while(eval(prin) > eval(pmt)) {
intPort = prin * i;
accumInt = eval(accumInt) + eval(intPort)
prinPort = eval(pmt) - eval(intPort);
prin = eval(prin) - eval(prinPort);
count = eval(count) + eval(1);
}

var VorigInt = accumInt;
var VnewInt = (eval(newPmt * noMonths)) - eval(form.principal.value);
var VintSave = eval(VorigInt) - eval(VnewInt);

form.intSave.value = "$" + formatNum(VintSave);

var Vresults = ("If you would like to pay off your mortgage in " + VnoYears + " years instead of the current " + formatNum(count / 12) + " years, you will need to start making a second monthly mortgage payment in the amount of " + form.pmtAdd.value + ". This will cut your current mortgage interest cost from $" + formatNum(accumInt) + " down to $" + formatNum(VnewInt) + ", a savings of " + form.intSave.value + " in interest charges.");

form.results.value = Vresults;
 }
}

function clearForm(form)
{
form.principal.value = "";
form.interest.value = "";
form.origPmt.value = "";
form.noYears.value = "";
form.pmtAdd.value = "";
form.intSave.value = "";
form.results.value = "";
}