<!--//
		//SAVINGS CALCULATOR
		//Build an array to keep the last calculated value.

		anchor = new Array(0,0,0,0,0);
		function ClearSavings() {
			document.Form1.PRESENT_VALUE.value =  "";
			document.Form1.SAVINGS_GOAL.value =  "";
			document.Form1.SAVINGS_PERIOD.value =  "";
			document.Form1.DEPOSIT_AMT.value =  "";
			document.Form1.INTEREST_RATE.value =  "";
		}

		function calculate()
		{
		//Validate incoming fields 
		  
		  
			pv = makeNumeric(Form1.PRESENT_VALUE.value);
			fv = makeNumeric(Form1.SAVINGS_GOAL.value);
			np = makeNumeric(Form1.SAVINGS_PERIOD.value);
			pmt = makeNumeric(Form1.DEPOSIT_AMT.value);
			ir = makeNumeric(Form1.INTEREST_RATE.value);
			paymentperiod = 12;
			durationperiod = Form1.SAVINGS_PERIOD_FREQ.options[Form1.SAVINGS_PERIOD_FREQ.selectedIndex].value;


			if ((pv.length > 0) && (pv < 0))
			{
			alert('Initial Investment must be a positive number');
			return;
			}
			
			if ((pmt.length > 0) && (pmt < 0))
			{
			alert('Monthly Deposit must be a positive number');
			return;
			}
			

			if ((np.length > 0) && (np < 0))
			{
			alert('Saving Period must be a positive number');
			return;
			}
			
			if ((ir.length > 0) && (ir < 0))
			{
			alert('Interest Rate must be a positive number');
			return;
			}
			
			if ((fv.length > 0) && (fv < 0))
			{
			alert('Savings Goal must be a positive number');
			return;
			}


			if ((pv.length > 0) && (isNumeric(pv) == false))
			{
			alert('Initial Investment must be numeric');
			return;
			}
			
			if ((pmt.length > 0) && (isNumeric(pmt) == false))
			{
			alert('Monthly Deposit must be numeric');
			return;
			}
			

			if ((np.length > 0) && (isNumeric(np) == false))
			{
			alert('Saving Period must be numeric');
			return;
			}
			
			if ((ir.length > 0) && (isNumeric(ir) == false))
			{
			alert('Interest Rate must be numeric');
			return;
			}
			
			if ((fv.length > 0) && (isNumeric(fv) == false))
			{
			alert('Savings Goal must be a numeric');
			return;
			}

			//Store incoming values in an array
			
			tmpInValues = new Array(pv, pmt, ir, np, fv);
			
			m = 0;
			blankCount=0;
			var blankIndex;
			for(m=0;m<tmpInValues.length;m++) 
			{
				if(tmpInValues[m] == '') 
				{
	     			blankCount++;
					blankIndex = m;
				}
			}

			//Determine how many of the fields are blank
			
			if(blankCount > 1)
			{
			alert('Please fill in all but one entry');
			} 
			else 
			{
			if(!(blankIndex >= 0)) 
			{
				//find the last value calculated from anchor
				var y;
				for(y=0;y<anchor.length;y++) 
				{
				if(anchor[y] == 1) 
				{
					blankIndex = y;
				}
				}
			}
			
			for(w=0;w<anchor.length;w++) 
			{
				anchor[w] = 0;
				if(w==blankIndex) 
				{
				anchor[w] = 1;
				}		
			}

			if (np != "") 
			{
			np = np * paymentperiod * durationperiod;
			} 
			else
			{
				np = 0;
			} 
			
			if(ir != "") 
			{
				ir = (ir / paymentperiod ) / 100 ;
			}
			
			ir = parseFloat(ir);
			np = parseFloat(np);
			fv = parseFloat(fv);
			pmt = parseFloat(pmt);
			pv = parseFloat(pv);
				
   			switch(blankIndex.toString()) 
			{
				case "0":
 				Form1.PRESENT_VALUE.value = PresentValue();
				break;
				case "1":
				Form1.DEPOSIT_AMT.value = DepositAmount();
				break;
				case "2":
				Form1.INTEREST_RATE.value = InterestRate();
				break;
				case "3":
				Form1.SAVINGS_PERIOD.value = SavingsPeriod();
				break;
				case "4":
				Form1.SAVINGS_GOAL.value = FutureValue();
				break;
			}	
		}	
		}		

		function PresentValue() 
		{
				pmt = pmt * -1;

				if(ir == 0) 
				{
					pv = -(fv + (pmt * np));
				}
				else {
					q1 = Math.pow(1 + ir,-np);
					q2 = Math.pow(1 + ir,np);
					pv = (q1 * (fv * ir - pmt + q2 * pmt))/ir;
				}
				return RoundToHundreths(pv);
		}  // End of Present Value

		function FutureValue()
		{
			if(ir == 0) 
			{
			fv = -(pv + (-pmt * np));
			}
			else 
			{
				q = Math.pow(1+ir,np);
				fv = (-pmt + q * pmt + ir * q * pv)/ir;
			}
			return RoundToHundreths(fv);
		}  // End of FutureValue


		function SavingsPeriod()
		{
			pmt = pmt * -1;
			pv = pv * -1;
			
			if(ir == 0)
			{
				if(pmt != 0) 
				{
					np = - (fv + pv)/pmt;
				}
				else 
				{
					alert("Divide by zero error.");
				}
			}
			else 
			{
				np = Math.log((-fv * ir + pmt)/(pmt + ir * pv))/ Math.log(1 + ir);
			}
			if(np == 0) 
			{
				alert("Can't compute Number of Periods for the present values.");
			}
			else 
			{
				var durationmult = 0;
				if (durationperiod == 1){durationmult = .08333333333;}
				if (durationperiod == .25){durationmult = .3333333333;}
				if (durationperiod == .083333333333){durationmult = 1;}
				if (durationperiod == .019165364791){durationmult = 4.3480;}								
				return RoundToHundreths(np * durationmult);
			}
		} //End of Savings Period


		function DepositAmount()
		{	
			pv = pv * -1;
			
			if(ir == 0.0) 
			{
				if(np != 0) 
				{
					pmt =  (fv + pv)/np;
				}
				else 
				{
					alert("Divide by zero error.");
				}
			}
			else 
			{
				q = Math.pow(1 + ir,np);
				pmt = ((ir * (fv + q * pv))/(-1 + q));		
			}

			return RoundToHundreths(pmt);
			
		}//End of Deposit Amount
			
			
		function DepositAmountIntCalc(pv, ir)
		{

			ir = parseFloat(ir/paymentperiod/100);

				
			if(ir == 0.0) 
			{
				if(np != 0) 
				{
					pmt = - (fv + pv)/np;
				}
				else 
				{
					alert("Divide by zero error.");
				}
			}
			else 
			{
				q = Math.pow(1 + ir,np);
				pmt = ((ir * (fv + q * pv))/(-1 + q));		
			}

			return RoundToHundreths(pmt);
			
		}//End of Deposit Amount for Interest  Calc	
			
		function InterestRate()
		{	
			initialInterest = 10000;
			var paymentTmp = 0;
 			var low = 0;
			var high = 10000;	
			var realPayment = parseFloat(pmt);	

			low = parseFloat(low);
			high = parseFloat(high);
			paymentperiod = parseFloat(paymentperiod);

			pv = pv * -1;
			
			if ((fv - (-pv + (np * realPayment))) < 0) 
			{
   	 			alert('This calculation resulted in negative interest.  Please increase the Savings Goal, or reduce the Savings Period, Initial Investment or Monthly Deposit.');
				return 'Error';
			}
			else
			{

				for( i = 0; i < 200; i++) 
				{
		 			paymentTmp = DepositAmountIntCalc(pv, initialInterest);	
				
					if ( paymentTmp < realPayment) {
						high = initialInterest
					} else if(paymentTmp > realPayment) {
	   	  			low = initialInterest;
						} else {
		   				break;
		   				}
		    
       			initialInterest = low + ((high - low) /2);
				}   
			}

			return RoundToHundreths(initialInterest);

		} //End of  InterestRate	
			

		function isNumeric(strString)
		//  check for valid numeric strings	
		{
		var strValidChars = "0123456789.-$,%";
		var strChar;
		var blnResult = true;

		//  test strString consists of valid characters listed above
		for (i = 0; i < strString.length && blnResult == true; i++)
			{
			strChar = strString.charAt(i);
			if (strValidChars.indexOf(strChar) == -1)
				{
				blnResult = false;
				}
			}
		return blnResult;
		}

		function RoundToHundreths(iValue) {

			// Round the value to Hundreths
			iValue = Math.round(iValue*100);
			iValue = iValue / 100;

			//Give me two decimal places
			
			iValue = iValue.toString();
			
			var posDecimalPoint=  iValue.indexOf('.');
			if (posDecimalPoint == -1) {
				iValue += ".00";
			} else if ( length - posDecimalPoint == 2) {
				iValue += "0";
			} else if (length - posDecimalPoint == 1) {
				iValue += "00";
			} 
			
			return iValue;
			
		}
		function makeNumeric (strString){
			var newval = strString;
			newval =  newval.replace('$','');
			newval = newval.replace('%','');
			newval = newval.replace(',','');
			newval = newval.replace(',','');
			return newval;
			
		}