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 computeForm(form) {

if(form.principal.value == "" || form.principal.value == 0) {
   alert("Please enter a principal amount.");
   form.principal.focus();
   } else
if(form.interest.value == "" || form.interest.value == 0) {
   alert("Please enter the annual interest rate you are paying.");
   form.interest.focus();
   } else
if(form.origPmt.value == "" || form.origPmt.value == 0) {
   alert("Please enter the your current payment amount.");
   form.origPmt.focus();
   } else
if(form.pmtAdd.value == "" || form.pmtAdd.value == 0) {
   alert("Please enter an amount to add to your current payment.");
   form.pmtAdd.focus();
   } else {

var i = stripNum(form.interest.value);

    if (i >= 1.0) {

        i = i / 100.0;

        

    }

     i /= 12;


   var prin1 = stripNum(form.principal.value);

   var prin2 = stripNum(form.principal.value);
 
   var pmt1 = stripNum(form.origPmt.value);

   var VpmtAdd = stripNum(form.pmtAdd.value);

  var pmt2 = eval(pmt1) + eval(VpmtAdd);
  

   var prinPort1 = 0;

   var prinPort2 = 0;

   var intPort1 = 0;

   var intPort2 = 0;

   var count1 = 0;

   var count2 = 0;

   var accumInt1 = 0;

   var accumInt2 = 0;
    
   while(prin1 > 0) {
                    intPort1 = i * prin1;
                    accumInt1 = eval(accumInt1) + eval(intPort1);
                    prinPort1 = eval(pmt1) - eval(intPort1);
                    prin1 = eval(prin1) - eval(prinPort1);
                    count1 = count1 + 1
                    if(count1 > 600) { break; } else { continue;}
                    
                    }

   while(prin2 > 0) {
                    intPort2 = eval(i * prin2);
                    accumInt2 = eval(accumInt2) + eval(intPort2);
                    prinPort2 = eval(pmt2 - intPort2);
                    prin2 = eval(prin2 - prinPort2);
                    count2 = count2 + 1
                    if(count2 > 600) { break; } else { continue;}
                    }

      var VintSave = eval(accumInt1) - eval(accumInt2);
      form.intSave.value = "$" + formatNumber(VintSave);


      var Vroi = 0;
      Vroi = (VintSave / (count2 / 12)) / (VpmtAdd * 12);
      form.roi.value = parseInt(Vroi * 100,10) + "%";

     var timSave = (count1 - count2);

     var yearSave = 0;

     if(timSave / 12 < 1) {
        yearSave = 0;
       } else {
        yearSave = timSave / 12;
      }

      form.results.value = ("If you add $" + formatNumber(VpmtAdd) + " to your monthly payment, you will pay off this debt in " + count2 + " payments instead of " + count1 + ", and you will save " + formatNumber(VintSave) + " in interest charges.  This savings translates into a guaranteed, tax-free, average annual return of " + parseInt(Vroi * 100,10) + "%.  And that's not even considering the emotional returns you'll get when you pay off this debt " + timSave + "-months (" + parseInt(yearSave,10) + " years, " + (timSave %12) + " months) ahead of schedule!");

   }
}



function clearForm(form)

{

    form.principal.value = "";

    form.interest.value = "";

    form.origPmt.value = "";

    form.pmtAdd.value = "";

    form.intSave.value = "";

    form.roi.value = "";

    form.results.value = "";
}