function siteCalc(form)
{
    form.opayout.value = form.payratio.value / (form.avgbonus.value/100 + 1);
	form.opayout.value = ( ( Math.floor(100 * form.opayout.value) ) / 100 );
	
	form.rdratio.value =  (form.opayout.value / 100) * (form.depbonus.value *1 + 100);
	form.rdratio.value = ( ( Math.floor(100 * form.rdratio.value) ) / 100 );
	form.opayout.value = form.opayout.value + "%";
	form.rdratio.value = form.rdratio.value + "%";
}

function LoanEstimate(form)
{ 

          
    var opayout = (  form.price.value - form.down.value   );
    var rate = form.rate.value;
    var years = form.years.value;

    

//monthly
		var payout = calculatePayments( loanamount, rate , years, 12 );
		var total = (payout *12 * years); 
		var totalInterest = ReformOutput(  (total - loanamount)  );

       form.monthlypay.value = ReformOutput(payout);
       form.mtotalpaid.value = ReformOutput(total);
       form.monthlytotal.value = totalInterest;
       
//weekly
		payout = calculatePayments( loanamount, rate , years, 52 );
		total = (payout * 52 * years);
		totalInterest = ReformOutput(  (total - loanamount)  );
		
       form.weeklypay.value = ReformOutput(payout);
       form.wtotalpaid.value = ReformOutput(total);
       form.weeklytotal.value = totalInterest;

//biweekly
		payout = calculatePayments( loanamount, rate , years, 26 );
		total = (payout * 26 * years);
		totalInterest = ReformOutput(  (total - loanamount)  );
	
		
       form.biweeklypay.value = ReformOutput(payout);
       form.btotalpaid.value = ReformOutput(total);
       form.biweeklytotal.value = totalInterest;
       
       
}

function ReformOutput( outputString )
{
	outputString = ( ( Math.floor((100 * outputString)) ) / 100 );
	
	var oldStr = new String(outputString);
	var newStr = new String();
	var decimalPlaces;
	var i = 1;
	var iCounter = 0;

       
	if ( -1 != oldStr.indexOf(".") ) 
	{
		//  Check for digits behind the decimal point
		decimalPlaces = oldStr.length - oldStr.indexOf(".");
		if ( decimalPlaces == 1 )
		{             
			newStr = ".00";
		}
		else if ( decimalPlaces == 2 )
		{
			newStr = oldStr.substring( oldStr.indexOf("."), oldStr.length) + "0";
		} else
		{
			newStr = oldStr.substring( oldStr.indexOf("."), oldStr.length); 
		}
		
		oldStr = oldStr.substring(0, oldStr.indexOf("."));
       
     }
     else 
     {
     	newStr = ".00"
     }
       
	while ( i <= oldStr.length )
     {
			//  Get Character
			var cLetter = oldStr.charAt(oldStr.length-i);
			newStr = cLetter + newStr;
			iCounter++;
			
			if ( ( iCounter == 3 ) && (( oldStr.length - i ) > 0 ) ) 
			{
          		iCounter = 0;
				newStr = " " + newStr;
			}
			
			i++;
       }
	return ( newStr );        

}


    // removes spaces and , commas
function removeWhite( number )    
{
//  Create String Value
	var original = new String(number);
	var reformated = new String();
	var i = 0;
	var n = 0;
	var charpointer;

	while ( i <= original.length )
	{
		c = original.charAt(original.length-i);
		if (  (c != ",") && (c != " ")  )
		{
			if ( n )
			{       
				reformated = c + reformated;
			} else
			{	reformated = c; n=1; }
		}
	i++;
	}
   	return ( reformated );
}

function verifyFields(form)
{
	form.price.value = removeWhite(form.price.value);
	form.down.value = removeWhite(form.down.value);
	if ( form.price.value == "" || form.price.value <= 0 ) 
	{
    	alert("Type in an amount larger than 0 in the price field.");
		form.price.focus();
		return 0;
	}
	if ( ValidData(form.price.value) == 0 ) 
	{
		alert("The calculator does not understand your input in the price field, please only enter numbers (ex. 255 000)");
		form.price.focus();
		return 0;
	}
	if ( form.down.value == "" || form.down.value < 0 ) 
	{
    	alert("Type in an amount larger than 0 in the downpayment field.");
		form.price.focus();
		return 0;
	}
	if ( ValidData(form.down.value) == 0 ) 
	{
		alert("The calculator does not understand your input in the downpayment field, please only enter numbers (ex. 15 000)");
		form.price.focus();
		return 0;
	}
	if ( form.rate.value == "" || form.rate.value < 0 ) 
	{
		alert("Type in an amount larger than 0 in the interest rate field.");
		form.rate.focus();
		return 0;
	}
	if ( ValidData(form.rate.value) == 0 ) 
	{
		alert("The calculator does not understand your input in the interest rate field, please only enter numbers (ex. 7.5)");
		form.rate.focus();
		return 0;
	}
	if ( form.years.value == "" || form.years.value <= 0) 
	{
		alert("Type in an amount larger than 0 in the years field.");
		form.years.focus();
		return 0;
	}
	if ( ValidData(form.years.value) == 0 ) 
	{
		alert("Use only numbers (0-9); don't use letters or any special characters (ex. 30).");
		f.Years.focus();
		return 0;
	}
	
	return 1;
}