
<!--
pd = 'paydata'; /* SAVING CALCULATOR DATA */
numDays       = 60;  /* DAYS UNTIL COOKIE EXPIRES (EG. 183 DAYS = 6 MONTHS) */

/* FOR FRENCH USERS WHO WILL INPUT A COMMA AS A DECIMAL PLACE, THIS FUNCITON CONVERTS THE COMMA TO A DECIMAL */
function changeToDecimal(a){
// input value to be changed; output lastnum, which is the same number in English format for calculations.
if (a.value!= null) {
	var firstnum = a.value;
	}
	else {
	var firstnum = a;
	firstnum += "";
	}

var u = firstnum.indexOf(",");
if (u > 0){
	var beginnum = firstnum.substring(0, u);
	var endnum = firstnum.substring((u+1),firstnum.length);
	var lastnum = (beginnum + "." + endnum);
	}
	else{
	var lastnum = firstnum;
	}
return lastnum;
}

/* FOR FRENCH USERS THAT WANT A DECIMAL CHANGED TO A COMMA FOR OUTPUT */
function changeToComma(a){
// input value to be changed; output lastnum, which is the same number in French format for display.
if (a.value!= null) {
	var firstnum = a.value;
	}
	else {
	var firstnum = a;
	firstnum += "";
	}

var u = firstnum.indexOf(".");
if (u > 0){
	var beginnum = firstnum.substring(0, u);
	var endnum = firstnum.substring((u+1),firstnum.length);
	var lastnum = (beginnum + "," + endnum);
	}
	else{
	var lastnum = firstnum;
	}
return lastnum;
}

/* FUNCTION THAT ADDS COMMAS TO THE CURRENCY VALUE (i.e. $1000000.00 -> $1 000 000,00) */

function addCommas(currencyValue){
	currencyValue = "" + currencyValue;
	var dollars = 0;
	var cents = "";
	if ( currencyValue.indexOf(",") != -1 ) {
		return currencyValue;
	} else if ( currencyValue.indexOf(".") != -1 ){
		dollars = currencyValue.substring(0,currencyValue.indexOf("."));
		cents = currencyValue.substring(currencyValue.indexOf("."),currencyValue.length);
	} else if ( currencyValue > 0 ){
		dollars = currencyValue;
	} else {
		return currencyValue;
	}
	var returnValue = "";
	for (var i=1;i<=dollars.length;i++){
		if (i % 3 == 1 && i != 1){
			returnValue = " " + returnValue;// uses space instead of a comma for thousands separator.
		}
		returnValue = dollars.charAt(dollars.length - i) + returnValue;
	}
	returnValue += cents;
	returnValue = changeToComma(returnValue);//call French formatting function
	return returnValue;
}

/*  THE FOLLOWING TWO FUNCTIONS CHECK THAT ALL NUMERIC VALUES ARE REAL NUMBER AND REMOVE DOUBLE DECIMALS */

function check(a)
{
   var pest = 0;
   var b = "";
   for(i=0;i<=a.length;i++)
   {
   var u = a.charAt(i);
      if((u>="0"&&u<="9")||u=="."||u==",")
      {
      	if(u=="."){
      	var pest = pest+1;
      	if(pest==2){break;}}
var b = b + u;
}
}
return b;
}

function doSum(a){
   a.value = check(a.value);
}


/* TESTS VERSIONS FOR WHICH WILL SUPPORT POP UP WINDOWS */
function versTest()
{
var one = '';
var two = '';

if (
(navigator.appName.substring(0,8)=="Netscape" && (navigator.appVersion.substring(0,3) == "3.0" ||  navigator.appVersion.substring(0,3) =="4.0")))
{var one='true';}
if(
 (navigator.appName.substring(0,9) == "Microsoft" && navigator.appVersion.substring(0,3) == "3.0" && navigator.appVersion.indexOf("Macintosh")>=0))
{var two='true';}

if(one=='true' || two=='true' ||
(navigator.appName.substring(0,9) == "Microsoft" && navigator.appVersion.indexOf("MSIE 3.0")>=0 &&
navigator.appVersion.indexOf("Windows 3.1")>=0)
)
{return true;}
else
{return false;}

}

/* TESTS IF VERSION IS MSIE 3.0 FOR MAC */
function msTest()
{
if(navigator.appName.substring(0,9) == "Microsoft" && 		(navigator.appVersion.substring(0,3) == "3.0" && navigator.appVersion.indexOf("Macintosh")>=0))
{return true;}
else
{return false;}

}

function nineTest()
{
if(navigator.appName.substring(0,9) == "Microsoft" && (navigator.appVersion.substring(0,3)=="3.0" || navigator.appVersion.indexOf("MSIE 3.0")>=0) && (navigator.appVersion.indexOf("Macintosh")==-1 || navigator.appVersion.indexOf("Windows 3.1")== -1)
)
{return true;}
else
{return false;}
}

/* OPENS POP UP WINDOW TO DISPLAY VALIDATION MESSAGES IN NETSCAPE 3.0 AND 4.0 */

function fixpro(n,q)

{
	if(versTest() == true){
		if(msTest()==true){
			var winNam='';
		}
		else{
			var slash = location.href.lastIndexOf("/")+1;
			var filNam = location.href.substring(0,slash);
			var winNam = filNam+'empty.html';
		}
fix = window.open(winNam,'FIX','toolbar=no,location=no,directories=no,status=no,menubar=no,scrollbars=yes,resizable=no,width=300,height=100');
if(navigator.appName.substring(0,8) == "Netscape"){
			fix.focus();
		}
fix.document.write('<html><head><title>Calculators</title>');
fix.document.write('</head><body bgcolor=ffffff><form name=fixer>');
fix.document.write('<font size=2 face="Arial, Helvetica" color=306798>'+n+'</font><p><FONT SIZE=2 FACE="Arial, Helvetica">'+q+'<p>');
fix.document.write('<center><input type=button value=OK onClick=self.close()>');
fix.document.write('</center></form></body></html>');
fix.document.close();
}
else{alert(n+'\n'+q)}
}

/* FUNCTION CONFIRMS THAT THE VALUE ENTERED INTO A FIELD FALLS WITHIN THE PRE-DETERMINED MINIMUM AND MAXIMUM VALUES, AND DISPLAYS AN ERROR MESSAGE WITH THE ALLOWABLE NUMERIC RANGE FOR THE FIELD DATA IN A POP UP VALIDATION WINDOW */
function checkNumber(quest,input, min, max, msg)
{
    var str = input.value;
    for (var i = 0; i < str.length; i++) {
        var ch = str.substring(i, i + 1)
        if ((ch < "0" || "9" < ch) && ch != '.' && ch != ',') {
            alert(msg);
            return false;
        }
    }
    if(input.value!="")
    {
    var num = 0 + str
    if (num < min || max < num) {
    var sendn = "Question " + quest + ": ("+ msg + ")";
    var sendq = "Vous avez entrer " + input.value + ". Veuillez inscrire un nombre entre " + min + " et " + max + ".";
  fixpro(sendn,sendq);

        return false;
    }
    input.value = str;
    return true;
    }
}

/* CALLS UPON THE FUNCTIONS TO DETERMINE IF THE NUMBERS ENTERED ARE VALID AND TO CALCULATE THE RESULTS OF THE ENTERED DATA FOR EXAMPLE - MORTGAGE PAYMENT, GDS AND TDS RATIOS, AND LOAN TO VALUE. THIS FUNCTION IS EXECUTED EVERYTIME A VALUE IS CHANGED IN A FIELD */
function computeField(quest,input,min,max,msage)
{
    doSum(input);
	return (checkNumber(quest,input,min,max,msage));
}

/* RETURNS THE SELECTED INDEX VALUE OF SELECT LISTS IN THE CALCULATOR TO BE USED IN CALCULATIONS */
function getIndex(n){return n.selectedIndex;}

function calcRdefine(intrate,compound, freq){
 return Math.pow((1.0 + ((intrate/100)/compound)),(compound/freq))-1.0;}

function calcBal(mortgage,intrate,compound,freq,payment,term){
rdefine = calcRdefine(intrate,compound, freq);
return (mortgage*(Math.pow((1.0 + rdefine),(term)))) -  ((payment * ((Math.pow((1.0 + rdefine),(term))) - 1.0))/rdefine);
}

/* ROUNDS OFF MONETARY NUMBERS TO TWO DECIMALS (PENNIES) */

function roundPen(n)
{
if(n > 0){
pennies = n*100;
pennies = Math.round(pennies);
strPennies = "" + pennies;
len = strPennies.length;
return strPennies.substring(0, len - 2) + "." + strPennies.substring(len -2, len);
}
else return 0;
}

/* THIS FUNCTION CALCULATES THE LOAN TO VALUE RATIO */
function LTVcalc(MORTGAGE, MORTGAGE2, APPRAISE){
return (MORTGAGE/APPRAISE) + (MORTGAGE2/APPRAISE);
}


function Ratios(PAY1, PAY2, HEAT, TAX, DEBT, INCOME){
return (PAY1/INCOME)+(PAY2/INCOME)+(HEAT/INCOME)+(TAX/INCOME)+(DEBT/INCOME);
}

/* THIS FUNCTION CALCULATES THE MONTHLY MORTGAGE PAYMENT BASED ON THE USER'S INPUT */
function calcPay(MORTGAGE, AMORTYEARS, AMORTMONTHS, INRATE, COMPOUND, FREQ){
var compound = COMPOUND/12;
var monTime = (AMORTYEARS * 12) + (1 * AMORTMONTHS);
var RATE = (INRATE*1.0)/100;
var yrRate = RATE/COMPOUND;
var rdefine    = Math.pow((1.0 + yrRate),compound)-1.0;
var PAYMENT = (MORTGAGE*rdefine * (Math.pow((1.0 + rdefine),monTime)))/  ((Math.pow((1.0 + rdefine),monTime)) - 1.0);
if(FREQ==12){
	return PAYMENT;}
if(FREQ==26){
	return PAYMENT/2.0;}
if(FREQ==52){
	return PAYMENT/4.0;}
if(FREQ==24){
	var compound2 = COMPOUND/FREQ;
	var monTime2 = (AMORTYEARS * FREQ) + (AMORTMONTHS * 2);
	var rdefine2 = Math.pow((1.0 + yrRate),compound2)-1.0;
	var PAYMENT2 = (MORTGAGE*rdefine2 * (Math.pow((1.0 + rdefine2),monTime2)))/  ((Math.pow((1.0 + rdefine2),monTime2)) - 1.0);
	return PAYMENT2;
}
}

function retTerm(n){
if(n==0){return 0;}
if(n==1){return 6;}
if(n==2){return 12;}
if(n==3){return 24;}
if(n==4){return 36;}
if(n==5){return 60;}
if(n==6){return 84;}
if(n==7){return 120;}
}

function retFreq(n){
if(n==0){return 0;}
if(n==1){return 12;}
if(n==2){return 24;}
if(n==3){return 26;}
if(n==4){return 52;}
}
function calcTotal(MORTGAGE, LTV){
if(LTV>.75&&LTV<=.80){
return MORTGAGE*1.0125;}
if(LTV>.80&&LTV<=.85){
return MORTGAGE*1.02;}
if(LTV>.80){
return MORTGAGE*1.025;}
if(LTV<=.75){
return MORTGAGE}
}

/* SAVES COOKIE CONTAINING DATA TO BE USED IN AMORTIZATION SCHEDULE */
function quickCook(MTGAMT,AMORTYEARS,AMORTMONTHS,RATE,TERM,FREQ,WHATYEAR)
{
if (WHATYEAR && WHATYEAR == -1 ){
	var timeKindA = 0;
}else{
	WHATYEAR = 0;
	var timeKindA = 1;
}


var AMORTPMT = calcPay(MTGAMT, AMORTYEARS, AMORTMONTHS, RATE, 2, FREQ);
var intrate = RATE/100;
var INTFACTOR = Math.pow((1+intrate/2),(2/FREQ))-1;
var expire = new Date ();
expire.setTime (expire.getTime() + (numDays * 24 * 3600000));/* 2 MONTHS */
var pdData = " " ;

pdData = pdData + '`' + MTGAMT + '`' + AMORTPMT + '`' + INTFACTOR + '`' + FREQ + '`' + ((AMORTYEARS*FREQ)+(AMORTMONTHS * FREQ/12)) + '`' + 0 + '`' + 0 + '`' + (TERM/12) + '`' + timeKindA + '`' + RATE*1.0/100 + '`' + 0 + '`' + WHATYEAR + '`' + 0 + '`' + 0 + '`' + 0 + '`' + 0 + '`' + 0;
document.cookie = pd +"=" + escape(pdData) +"; expires=" + expire.toGMTString()+"; path=/" ;
}

/* VALIDATES ALL THE FIELDS AND CALCULATES VALUES TO BE ENTERED INTO THE TEXT BOXES AT THE BOTTOM OF THE PAGE WHEN THE USER CLICKS ON COMPUTE OR COMPUTE AMORTIZATION */

function compute(form,year){

if(document.paycalc.desterm.selectedIndex == 0){
fixpro('Question 1: (Durée de l`hypothèque)','Vous n`avez pas répondu à cette question, veuillez cliquer sur le bouton VEUILLEZ CHOISIR pour choisir votre option');return false;}

if(document.paycalc.PFREQ.selectedIndex == 0){
fixpro('Question 2: (Fréquence des versements)','(Fréquence des versements)','Vous n`avez pas répondu à cette question, veuillez cliquer sur le bouton VEUILLEZ CHOISIR pour choisir votre option.');return false;}

if((document.paycalc.NAMORTYEARS.value == null || document.paycalc.NAMORTYEARS.value.length == 0)|| (document.paycalc.NAMORTYEARS.value < 0 || document.paycalc.NAMORTYEARS.value > 40)){
fixpro('Question 3: (Période d\'amortissement - ans)','Veuillez inscrir un nombre entre 0 et 40.');return false;}

if((document.paycalc.NAMORTMONTHS.value == null || document.paycalc.NAMORTMONTHS.value.length == 0)|| (document.paycalc.NAMORTMONTHS.value < 0 || document.paycalc.NAMORTMONTHS.value > 11)){
fixpro('Question 3: (Période d\'amortissement - mois)','Veuillez inscrir un nombre entre 0 et 11.');return false;}

if(document.paycalc.NAMORTMONTHS.value < 6 && document.paycalc.NAMORTYEARS.value == 0){
fixpro('Question 3: (Période d\'amortissement)','Veuillez inscrir un période d\'amortissement au moins 6 mois.');return false;}

if((document.paycalc.mortamt.value == null|| document.paycalc.mortamt.value.length == 0)|| (document.paycalc.mortamt.value <10000|| document.paycalc.mortamt.value > 1000000) )
{fixpro('Question 4: (Montant de l\'hypothèque)','Veuillez inscrir un nombre entre 10000 et 1000000.');return false;}

if((document.paycalc.rate.value == null || document.paycalc.rate.value.length == 0)||(document.paycalc.rate.value < 2 || document.paycalc.rate.value > 25))
{fixpro('Question 5: (Taux d\'intérêt)','Veuillez inscrir un nombre entre 2 et 25.');return false;}

if(retTerm(document.paycalc.desterm.selectedIndex) > (document.paycalc.NAMORTYEARS.value*12 + document.paycalc.NAMORTMONTHS.value)){
fixpro('Question 1: (Durée de l\`hypothèque)','The selected mortgage term is greater than the amortization period entered.  Increase the amortization period or choose a shorter mortgage term.');return false;}

term = retTerm(document.paycalc.desterm.selectedIndex);
freq = retFreq(document.paycalc.PFREQ.selectedIndex);
amortyears = document.paycalc.NAMORTYEARS.value;
amortmonths = document.paycalc.NAMORTMONTHS.value;
mortgage = changeToDecimal(document.paycalc.mortamt.value);
intrate = changeToDecimal(document.paycalc.rate.value);
var payment = calcPay(mortgage, amortyears, amortmonths, intrate, 2, freq);
var intFact = Math.pow((1+(intrate/100)/2),(2/freq))-1;


// need to determin the number of payments so we can correctly determin the Amortization period
// and the remaing balance
var principalBal = mortgage;
var aYear = 0;
var annualCount = 1;


var year1 = 0;
var year2 = 0;
var year3 = 0;
var year5 = 0;
var year10 = 0;

for(payAdd = 1; principalBal>0; payAdd++){

	var checkLump = 0;

	var printPayments =Math.ceil(1/freq);//Expressed in Years    
	var printYear = printPayments*freq;//Expressed in Payments


	//SET FLAG IF THIS PAYMENT IS AN ANNIVERSARY
	if((payAdd-1)/Math.floor(freq)==annualCount){
		var aYear = 1;}

	//INTEREST AND PRINCIPAL PAYMENT
	var interestPayment = roundPen(principalBal * intFact)*1.0;
	var principalPayment =  roundPen(payment - interestPayment)*1.0;
	var checkBal = (principalPayment > principalBal) ? principalBal : principalPayment;
	var principalBal =  roundPen(principalBal-checkBal)*1.0;

	//LUMPSUM PAYMENT IF REQUESTED
	if(aYear==1&&0>=annualCount){
		var checkLump = (lumpAmt > principalBal) ? principalBal : lumpAmt;
		var principalBal = roundPen(principalBal - checkLump)*1.0;}

	//ELIMINATES BALANCE (ADDS IT TO PRINCIPAL PAID) IF LESS THAN HALF
	if(principalBal<((interestPayment+principalPayment)/2)){
		var checkBal = checkBal+principalBal;
		var principalBal = 0;}

	//RESETS THE ANNIVERSARY
	if(aYear==1){
		var annualCount = annualCount+1;
		var aYear = 0;}


	if((payAdd/freq) == 1){
		year1 = principalBal;
	} else if((payAdd/freq) == 2){
		year2 = principalBal;
	} else if((payAdd/freq) == 3){
		year3 = principalBal;
	} else if((payAdd/freq) == 5){
		year5 = principalBal;
	} else if((payAdd/freq) == 10){
		year10 = principalBal;
	}

}


var totalYears = (payAdd-1)/freq;

form.newamortyears.value = Math.floor(totalYears);;
form.newamortmonths.value = (Math.round((totalYears % 1)*120)/10);


/*
form.mainpay.value = '$' + addCommas(roundPen(payment));
form.mainyr1.value = '$' + addCommas(roundPen(calcBal(mortgage,intrate,2,freq,payment,(12/(12/freq)))));
form.mainyr2.value = '$' + addCommas(roundPen(calcBal(mortgage,intrate,2,freq,payment,(24/(12/freq)))));
form.mainyr3.value = '$' + addCommas(roundPen(calcBal(mortgage,intrate,2,freq,payment,(36/(12/freq)))));
form.mainyr5.value = '$' + addCommas(roundPen(calcBal(mortgage,intrate,2,freq,payment,(60/(12/freq)))));
form.mainyr10.value = '$' + addCommas(roundPen(calcBal(mortgage,intrate,2,freq,payment,(120/(12/freq)))));
*/

form.mainpay.value = addCommas(roundPen(payment)) + ' $';
form.mainyr1.value = addCommas(roundPen(year1)) + ' $';
form.mainyr2.value = addCommas(roundPen(year2)) + ' $';
form.mainyr3.value = addCommas(roundPen(year3)) + ' $';
form.mainyr5.value = addCommas(roundPen(year5)) + ' $';
form.mainyr10.value = addCommas(roundPen(year10)) + ' $';


quickCook(mortgage,amortyears,amortmonths,intrate,term,freq,year);
return true;
}

/* OPENS WINDOW USED TO DISPLAY HELP MESSAGES WHEN THE USER CLICKS ON A HELP BUTTON. THE HELP MESSAGE DISPLAYED IS DETERMINED IN THE ARRAY WHICH IS REFERENCED ACCORDING TO THE HELP BUTTON WHICH WAS CLICKED */
function winopen(name)
{
var linkit = "help/"+name;
if(versTest() == true||nineTest()==true){
qc=window.open(linkit,'helpscreen','toolbar=no,location=no,directories=no,status=no,menubar=no,scrollbars=yes,resizable=no,width=250,height=180');
if(navigator.appName.substring(0,8) == "Netscape")
{qc.focus();}

}
else{location.href=linkit;}
}

function StringArray(n)
{
this.length = n;
for (var i = 1; i <= n; i++)
this[i] = ''
return this
}

/* LOADS THE AMORTIZATION SCHEDULE FILE ONCE IT IS CERTAIN THAT ALL VALUES ENTERED INTO THE FORM ARE CORRECT. */
function amortLink(whatyear){
	if(navigator.appVersion.substring(0,3) == 2.0 &&  navigator.appName.substring(0,8)=="Netscape" && (navigator.appVersion.indexOf("Macintosh")>=0||navigator.appVersion.indexOf("PowerPC")>=0)){
		var timere = compute(document.forms[0],whatyear);
		if(timere==true){
			setTimeout("document.form2.submit()",100);
		}
	}else{
		if(compute(document.forms[0],whatyear)==true){
			document.form2.submit();
		}
	}
}


function amortonLink()
{

if(compute(document.forms[0])==true){document.form2.submit();return false;}
else{return false;}
}

function payBal()
{
if(navigator.appVersion.substring(0,3) == 2.0 &&  navigator.appName.substring(0,8)=="Netscape" && navigator.appVersion.indexOf("Macintosh")>=0){
	setTimeout("compute(document.forms[0])",200);
}
else{compute(document.forms[0]);}
}

//-->