// JavaScript Document


function test(form){
	alert("ok I'm testing this freaking box");
}

function fieldCheck(input, min, max, msg)
{
    msg = msg + " input value Error: " + input.value;

    var str = input.value;
	str=str.replace(',', '');
	
    for (var i = 0; i < str.length; i++) {
        var ch = str.substring(i, i + 1)
        if ((ch < "0" || "9" < ch) && ch != '.') {
            alert(msg);
            return false;
        }
    }
    var num = parseFloat(str)
    if (num < min || max < num) {
        alert(msg + " not in range [" + min + ".." + max + "]");
        return false;
    }
    input.value = str;
    return true;
}

function computeField(input)
{
    if (input.value != null && input.value.length != 0)
    	input.value = "" + eval(input.value);
    computeForm1(input.form);
}

function computeForm1(form)
{

    if ((form.pcPayPerYr.value == null || form.pcPayPerYr.value.length == 0) ||
        (form.pcNumYrs.value == null || form.pcNumYrs.value.length == 0) ||
        (form.pcAnnIntRate.value == null || form.pcAnnIntRate.value.length == 0) ||
        (form.pcAmountMort.value == null || form.pcAmountMort.value.length == 0)) {
        return;
    }
	
    if (!fieldCheck(form.pcPayPerYr, 1, 480, "Number of payments") ||
        !fieldCheck(form.pcNumYrs, 1, 100, "Number of years") ||
        !fieldCheck(form.pcAnnIntRate, .001, 99, "Interest rate") ||
        !fieldCheck(form.pcAmountMort, 100, 10000000, "Mortgage amount")) {
        form.pcPayTotal.value = "Invalid";
        return;
    }

    var interest = form.pcAnnIntRate.value; 
    var yearlyPay = form.pcPayPerYr.value;
    var noYrs = form.pcNumYrs.value;	
    var mort = form.pcAmountMort.value;	

    if (interest > 1.0)
    {
        interest = interest / 100.0;
        form.pcAnnIntRate.value = interest;
		
    }
	
    var f = 1+(interest/yearlyPay);
    var totYearly = noYrs*yearlyPay;
    var incRate = 1; var g = 0;
	
    for (var i = 0; i < totYearly; i++)
    {
      incRate = incRate * f;
      g = 1+g*f;
    }
    incRate = incRate * mort;
	
	//var pay_total=Math.round((incRate/g)*100)/100
	pay_total=(incRate/g);
    form.pcPayTotal.value = to_currency(pay_total,"$");
}

function clearForm1(form)
{
    form.pcPayPerYr.value = "";
    form.pcNumYrs.value = "";
    form.pcAnnIntRate.value = "";
    form.pcAmountMort.value = "";
}
//Form 2

function fieldCheck2(input, min, max, msg)
{
    msg = msg + " field has invalid data: " + input.value;

    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 != '.') {
            alert(msg);
            return false;
        }
    }
    var num = 0 + str
    if (num < min || max < num) {
        alert(msg + " not in range [" + min + ".." + max + "]");
        return false;
    }
    input.value = str;
    return true;
}

function computeField2(input)
{
    if (input.value != null && input.value.length != 0)
        input.value = "" + eval(input.value);
    computeForm2(input.form);
}

function computeForm2(form)
{
    if ((form.lccNumPayA.value == null || form.lccNumPayA.value.length == 0) ||
        (form.lccIntRateA.value == null || form.lccIntRateA.value.length == 0) ||
        (form.lccPrincA.value == null || form.lccPrincA.value.length == 0)) {
        return;
    }

    if (!fieldCheck2(form.lccNumPayA, 1, 480, "Number of payments") ||
        !fieldCheck2(form.lccIntRateA, .001, 99, "Interest amount") ||
        !fieldCheck2(form.lccPrincA, 100, 10000000, "Principal")) {
        form.lccTotIntA.value = "Invalid";
        return;
    }

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

    var pow = 1;
    for (var j = 0; j < form.lccNumPayA.value; j++)
        pow = pow * (1 + i);
    //form.lccMoPayA.value = (form.lccPrincA.value * pow * i) / (pow - 1);
	//properly place the decimal point
	var princ_val=form.lccPrincA.value;
	var m_payment=(princ_val * pow * i) / (pow - 1);
	 form.lccMoPayA.value=to_currency(m_payment,"$");
	 
	
	form.lccTotIntA.value = to_currency((m_payment * form.lccNumPayA.value) - form.lccPrincA.value,"$");

	
}


function to_currency(val,currency){
  if(!val) {
	  alert("Please provide a value");
	  return;
  }
  if(isNaN(val)){
	  alert(val+" is an invalid input");
	  return;
  }
  val=""+Math.round(100*val);
  var is_negative=(val<0)? true:false;
  if(is_negative){
	  val=val.substring(1)
  } 
  while (val.length <= 2) {
	  val="0"+val
  }
  var dec_point=val.length-2;
  var first_part=val.substring(0,dec_point);
  var second_part=val.substring(dec_point);
  var result=first_part+"."+second_part;
  var sign=is_negative? "-":"";
  if(!currency){
	  currency="";
  }
  result=sign+currency+result; 
  return result; 
}

function clearForm2(form)
{
    form.lccNumPayA.value = "";
    form.lccIntRateA.value = "";
    form.lccPrincA.value = "";
}



function refinanceCalculation(form) {
 var princ = parseInt(form.mrcPrincBalMort.value);
 var curr_interest = form.mrcCurMortIntRate.value;
 var new_interest=form.mrcRefiIntRate.value;
 var monthly_payment=parseInt(form.mrcMoMortPay.value);
 var years_refinance=parseInt(form.mrcNumYrsRef.value);
 var closing_costs=parseInt(form.mrcClosingCost.value);
 
  if (curr_interest > 1.0) {
        curr_interest=curr_interest / 100.0;
        form.mrcCurMortIntRate.value = curr_interest;
    }
	 if (new_interest > 1.0) {
        new_interest =new_interest / 100.0;
        form.mrcRefiIntRate.value = new_interest;
    }

var term = years_refinance*12;

var entire_loan=princ+closing_costs;
 var new_monthly_payment = find_payment(entire_loan, new_interest / 12, years_refinance * 12);
 
var interest_owed=entire_loan*new_interest;

var total_owed=entire_loan+interest_owed;

alert(monthly_payment);
alert(new_monthly_payment);
 new_monthly_payment=to_currency(new_monthly_payment,"$");
  //alert(new_monthly_payment);
var monthly_saving=parseInt(monthly_payment-new_monthly_payment);
var break_even=closing_costs/monthly_saving;

var years_owed=princ/monthly_payment;
var interest_out=princ*years_owed;

var interest_out2=princ*years_owed;

form.mrcNewMoPay.value=new_monthly_payment;
form.mrcNewMoSave.value=monthly_saving;
form.mrcIntCurMortPlan.value=interest_out;
form.mrcIntRefiMortPlan.value=new_interest;
}

function find_payment(PR, IN, PE) {
var PAY = (PR * IN) / (1 - Math.pow(1 + IN, -PE));
return PAY;
}
//Form 3

function computeForm3(form) {

 var princ = parseInt(form.mrcPrincBalMort.value);
 var curr_interest = form.mrcCurMortIntRate.value;
 var new_interest=form.mrcRefiIntRate.value;
 var monthly_payment=parseInt(form.mrcMoMortPay.value);
 var years_refinance=parseInt(form.mrcNumYrsRef.value);
 var closing_costs=parseInt(form.mrcClosingCost.value);
 
  if (curr_interest > 1.0) {
        curr_interest=curr_interest / 100.0;
        form.mrcCurMortIntRate.value = curr_interest;
    }
	 if (new_interest > 1.0) {
        new_interest =new_interest / 100.0;
        form.mrcRefiIntRate.value = new_interest;
    }
 //get the current rates
 //principal*current interest/12
 var cur_int_amt=(princ * curr_interest);
 var princ_n_int=(princ + cur_int_amt);
 
 //total months to pay off
 var cur_total_mth=princ_n_int/monthly_payment;
alert(cur_int_amt);

var total_mths=years_refinance*12;
var new_int_amt=((princ + closing_costs) * new_interest);
 var new_princ_n_int=(princ + new_int_amt);
 alert(new_int_amt);

    var pmt1 = form.mrcMoMortPay.value;
    var prin1 = form.mrcPrincBalMort.value;
    var intPort1 = 0;
    var prinPort1 = 0;
    var accumInt1 = 0;
    var accumPrin1 = 0;
    var i1 = form.mrcCurMortIntRate.value;
    if (i1 > 1.0) {
        i1 = i1 / 100.0;
        form.mrcCurMortIntRate.value = i1;
    }
  var i1  = i1  / 12;

    var i2 = form.mrcRefiIntRate.value;
       if (i2 > 1.0) {
           i2 = i2 / 100.0;
           form.mrcRefiIntRate.value = i2;
       }
      var i2  = i2  / 12;
	   
	   alert(i2);
	   
    var count1 = 0;
    while(prin1 > 0) {
        intPort1 = prin1 * i1;
        prinPort1 = pmt1 - intPort1;
        prin1 = prin1 - prinPort1;
        accumPrin1 = accumPrin1 + prinPort1;
        accumInt1 = accumInt1 + intPort1;
        count1 = count1 + 1;
        if(count1 > 600) {break; } else {continue; }
       }
    form.mrcIntCurMortPlan.value = "$" + parseInt(accumInt1,10);
    var pow = 1;
    for (var j = 0; j < form.mrcNumYrsRef.value *12; j++)
        pow = pow * (1 + i2);
    var fpayment2 = (form.mrcPrincBalMort.value * pow * i2) / (pow - 1);
	
	
    form.mrcNewMoPay.value = "$" + parseInt(fpayment2,10) + "." + parseInt(fpayment2 % 1 * 100,10);
   var fmoSave = form.mrcMoMortPay.value - fpayment2;
   form.mrcNewMoSave.value = "$" + parseInt(fmoSave,10) + "." + parseInt(fmoSave % 1 *100,10);
	
	var ftotInt2 = (fpayment2 * form.mrcNumYrsRef.value *12) - form.mrcPrincBalMort.value;
   form.mrcIntRefiMortPlan.value = "$" + parseInt(ftotInt2,10);
   var fintSave = accumInt1 - ftotInt2;
    form.mrcIntSaveRefi.value = "$" + parseInt(fintSave,10);
    form.mrcNumMoEven.value = parseInt(form.mrcClosingCost.value / fmoSave,10);
   var fnetSave = fintSave - form.mrcClosingCost.value;
   form.mrcNetRefiSave.value = "$" + parseInt(fnetSave,10);
   
   
    form.mrcMsg.value = "If you refinance your current " + parseInt(form.mrcCurMortIntRate.value *100,10) + "." + parseInt(form.mrcCurMortIntRate.value *100 % 1 *100,10) + "% mortgage to a " + parseInt(form.mrcRefiIntRate.value *100,10) + "." + parseInt(form.mrcRefiIntRate.value *100 % 1 *100,10) + "% mortgage, your monthly payment will drop by " + form.mrcNewMoSave.value + " and you will save " + form.mrcIntSaveRefi.value + " in interest charges over the life of the mortgage.  However, in order for this refinancing to yield any savings at all you will need to stay in your current home for at least " + form.mrcNumMoEven.value + " months.  That's how long it will take for your monthly payment savings to offset the closing costs attributable to refinancing.";
}

function clearForm3(form)
{
    form.mrcPrincBalMort.value = "";
    form.mrcMoMortPay.value = "";
    form.mrcCurMortIntRate.value = "";
    form.mrcRefiIntRate.value = "";
    form.mrcNumYrsRef.value = "";
    form.mrcClosingCost.value = "";
    form.mrcNewMoPay.value = "";
    form.mrcNewMoSave.value = "";
    form.mrcNumMoEven.value = "";
    form.mrcIntSaveRefi.value = "";
    form.mrcIntCurMortPlan.value = "";
    form.mrcNetRefiSave.value = "";
    form.mrcIntRefiMortPlan.value = "";
    form.mrcMsg.value = "";
}

//Form 4
function computeForm4(form) {
    var pmt1 = form.bmcMoMortPay.value;
    var pmt2 = form.bmcMoMortPay.value / 2;
    var prin1 = form.bmcPrincBalMort.value;
    var prin2 = form.bmcPrincBalMort.value;
    var intPort1 = 0;
    var intPort2 = 0;
    var prinPort1 = 0;
    var prinPort2 = 0;
    var accumInt1 = 0;
    var accumPrin1 = 0;
    var accumInt2 = 0;
    var accumPrin2 = 0;
    var i = form.bmcCurIntRate.value;
    if (i > 1.0) {
        i = i / 100.0;
        form.bmcCurIntRate.value = i;
    }
    var i1  = i  / 12;
    var i2 = i / 26;
    var count1 = 0;
    var count2 = 0;
    while(prin1 > 0) {
        intPort1 = prin1 * i1;
        prinPort1 = pmt1 - intPort1;
        prin1 = prin1 - prinPort1;
        accumPrin1 = accumPrin1 + prinPort1;
        accumInt1 = accumInt1 + intPort1;
        count1 = count1 + 1;
     if(count1 > 600) {
       break;
       } else {
       continue;
       }
    }
if(count1 > 600) {
 alert("Using your entered terms you will never pay off this amount.  Please either lower the principal amount, lower the interest rate, or increase the payment amount.")
        form.bmcIntPayCurMortPlan.value = "";
        form.bmcIntPayBiweek_plan.value = "";
        form.bmcMortIntSave.value = "";
        form.bmcMsg.value = "";
        } else {

    form.bmcIntPayCurMortPlan.value = "$" + parseInt(accumInt1,10);
    while(prin2 > 0) {
        intPort2 = prin2 * i2;
        prinPort2 = pmt2 - intPort2;
        prin2 = prin2 - prinPort2;
        accumPrin2 = accumPrin2 + prinPort2;
        accumInt2 = accumInt2 + intPort2;
        count2 = count2 + 1;
        if(count1 > 600) {break; } else {continue; }
       }
   
    form.bmcIntPayBiweek_plan.value = "$" + parseInt(accumInt2,10);
    form.bmcMortIntSave.value = "$" + parseInt(accumInt1 - accumInt2,10);
    form.bmcMsg.value = "In essence, what you are really doing is adding a 13th payment to your annual number of payments, and splitting it up between 26 bi-weekly payments. Which in your case means that by coughing up an extra $" + parseInt(pmt1 / 26,10) + " every two weeks you will pay off your mortgage in " + parseInt(count2 /26*12,10) + " months instead of the current " + count1 + " months, and save $" + parseInt(accumInt1 - accumInt2) + " in mortgage interest in the process.  Now I ask you, is there anything else you would rather spend your $" + parseInt(accumInt1 - accumInt2) + " on besides interest?";
   }	
}

function clearForm4(form)
{
    form.bmcPrincBalMort.value = "";
    form.bmcMoMortPay.value = "";
    form.bmcCurIntRate.value = "";
    form.bmcMortIntSave.value = "";
    form.bmcIntPayCurMortPlan.value = "";
    form.bmcIntPayBiweek_plan.value = "";
    form.bmcMsg.value = "";
}

//FORM 5
function computeForm5(form) {

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

  var prin1 = eval(form.epcPrincOwed.value);
   var prin2 = eval(form.epcPrincOwed.value);
   var pmt1 = form.epcCurMoPay.value;
   var pmt2 = eval(form.epcCurMoPay.value) + eval(form.epcAddMoPay.value);
   var prinPort1 = 0;
   var prinPort2 = 0;
   var intPort1 = 0;
   var intPort2 = 0;
   var count1 = 0;
   var count2 = 0;
   
  while(prin1 > 0) {
                   intPort1 = eval(i * prin1);
                   prinPort1 = eval(pmt1 - intPort1);
                   prin1 = eval(prin1 - prinPort1);
                   count1 = count1 + 1
                   if(count1 > 600) { break; } else { continue;}
                   }
   while(prin2 > 0) {
                   intPort2 = eval(i * prin2);
                   prinPort2 = eval(pmt2 - intPort2);
                   prin2 = eval(prin2 - prinPort2);
                   count2 = count2 + 1
                   if(count2 > 600) { break;} else {continue;}
                   }
				   
				  var savings=(count1 * pmt1) - (count2 * pmt2);	   
      form.epcIntSave.value = to_currency((count1 * pmt1) - (count2 * pmt2),"$");
    var inv_return = (savings / (count2 * form.epcAddMoPay.value)) / (count2 / 12);
	  form.epcAnnReturnInvest.value = Math.round(inv_return*100)+'%';
	  
     var timSave = (count1 - count2);
      form.epcMsg.value = ("If you add $" + form.epcAddMoPay.value + " to your monthly payment, you will pay off this debt in " + count2 + " payments instead of " + count1 + ", and you will save $" + savings + " in interest charges.  This savings translates into a guaranteed, tax-free, average annual return of " + Math.round(inv_return*100) + "%.  And that's not even considering the emotional returns you'll get when you pay off this debt " + timSave + "-months (" + parseInt(timSave /12,10) + " years, " + (timSave %12) + " months) ahead of schedule!");
}

function clearForm5(form)
{
    form.epcPrincOwed.value = "";
    form.epcAnnIntRate.value = "";
    form.epcCurMoPay.value = "";
    form.epcAddMoPay.value = "";
    form.epcIntSave.value = "";
    form.epcAnnReturnInvest.value = "";
    form.epcMsg.value = "";
}