// Loan Ammortization Calculator by Jeff Keil

	function printpayments(amt, irate, mp) {
		var i = 0, l = 0, intrst, princ, rem, str = '';
		alert('amt: ' + amt);
		l = amt.length;
		alert('l: ' + l);

		while (amt > 0) {
			intrst = amt * irate;
			princ = mp - intrst;
			rem = amt - mp;
			amt = rem;
			if (rem < 0) rem = 0;
			if (i = 0) {
				str += amt;
			} else {
				str += formatCurrency(amt) + '     ';
			}
			str += formatCurrency(intrst) + '     ';
			str += formatCurrency(princ) + '     ';
			str += formatCurrency(rem) + '\n';
			i++;
		}
		return str;
	}

	function clr() {
		document.frmLoan.monthpay.value = "";
		document.frmLoan.totint.value = "";
		document.frmLoan.totpay.value = "";
		document.frmLoan.amount.value = "";
		document.frmLoan.intrate.value = "";
		document.frmLoan.nummonths.value = "";
		document.frmLoan.tm[0].checked = true;
	}

	function calcloan(ro) {
		amt = parseInt(document.frmLoan.amount.value);
		if (amt < 1000) amt = 1000;

		irate = parseFloat(document.frmLoan.intrate.value);
		if (irate > 1) irate = irate * .01;
		if ((irate < 1) && (irate > .35)) {
			alert("Maximum interest rate = 35%");
			irate = .35;
			document.frmLoan.intrate.value = '.35';
		}
		irate = irate / 12;

		nmonth = parseInt(document.frmLoan.nummonths.value);
		if (ro[1].checked) {
			if (nmonth > 30) {
				nmonth = 30;
				document.frmLoan.nummonths.value = 30;
			}
			if (nmonth < 1) {
				nmonth = 1;
				document.frmLoan.nummonths.value = 1;
			}
			nmonth = nmonth * 12;
		}

		mp = monthlypayment(amt, irate, nmonth);
		//document.frmLoan.payschedule.value = printpayments(amt, irate, mp);
		document.frmLoan.monthpay.value = formatCurrency(mp);
		document.frmLoan.totpay.value = formatCurrency(nmonth * mp);
		document.frmLoan.totint.value = formatCurrency((nmonth * mp) - amt);
		document.frmLoan.totpay.focus();
		return true;
	}

	function formatCurrency(val) {
		strval = val.toString();
		dec = strval.indexOf(".");
		if (dec >= 4) {
			j = Math.floor((dec - 1) / 3);
			if (j > 1) {
				for (i=1;i<=j;i++) {
					strval = strval.substring(0, dec - (i * 3)) + ',' + strval.substring(dec - (i * 3), dec + (i * 3));
				}
			} else {
				strval = strval.substring(0, dec - 3) + ',' + strval.substring(dec - 3, dec + 3);
			}
		} else {
			strval = strval.substring(0, dec + 3);
		}
		return '$' + strval;
	}

	function monthlypayment(amt, irate, nmonth) {
		tmp = Math.pow((1 + irate), nmonth);
		return amt * ((irate * tmp) / (tmp - 1));
	}