function jumpBox(list) { location.href = list.options[list.selectedIndex].value }

function formatNum(Vnum) {

if(Vnum > 99000000) {
alert("Sorry, this will not generate numbers larger that 99 million.");
focus();
} else {
   
var V10million = parseInt(Vnum / 10000000);

var V1million = (Vnum % 10000000)  / 1000000;
if(V1million / 1000000 == 1) { V1million = 1; } else
if(V1million < 1) { V1million = "0"; } else { V1million = parseInt(V1million,10); }

var V100thousand = (Vnum % 1000000)  / 100000;
if(V100thousand / 100000 == 1) { V100thousand = 1; } else
if(V100thousand < 1) { V100thousand = "0"; } else { V100thousand = parseInt(V100thousand,10); }

var V10thousand = (Vnum % 100000)  / 10000;
if(V10thousand / 10000 == 1) { V10thousand = 1; } else
if(V10thousand < 1) { V10thousand = "0"; } else { V10thousand = parseInt(V10thousand,10); }

var V1thousand = (Vnum % 10000)  / 1000;
if(V1thousand / 1000 == 1) { V1thousand = 1; } else
if(V1thousand < 1) { V1thousand = "0"; } else { V1thousand = parseInt(V1thousand,10); }

var Vhundreds = (Vnum % 1000)  / 100;
if(Vhundreds / 100 == 1) { Vhundreds = 1; } else
if(Vhundreds < 1) { Vhundreds = "0"; } else { Vhundreds = parseInt(Vhundreds,10); }

var Vtens = (Vnum % 100)  / 10;
if(Vtens / 10 == 1) { Vtens = 1; } else
if(Vtens < 1) { Vtens = "0"; } else { Vtens = parseInt(Vtens,10); }

var Vones = (Vnum % 10)  / 1;
if(Vones / 1 == 1) { Vones = 1; } else
if(Vones < 1) { Vones = "0"; } else { Vones = parseInt(Vones,10); }

 //START UPGRADE
var Vcents = 0;

if(Vnum % 1 * 100 < 1) { Vcents = 0; } else { Vcents = parseInt(((eval(Vnum % 1) * 100)),10);
}
//END UPGRADE

if(Vcents < 1) { Vcents = "00"; }
else
if(Vcents % 10 == 0) { Vcents = Vcents + "0"; }
else
if(Vcents % 10 == Vcents) { Vcents = "0" + Vcents; } else { Vcents = Vcents; }

if(Vcents == "900") { Vcents = "90"; } else
if(Vcents == "800") { Vcents = "80"; } else 
if(Vcents == "700") { Vcents = "70"; } else 
if(Vcents == "600") { Vcents = "60"; } else 
if(Vcents == "500") { Vcents = "50"; } else 
if(Vcents == "400") { Vcents = "40"; } else 
if(Vcents == "300") { Vcents = "30"; } else
if(Vcents == "200") { Vcents = "20"; } else
if(Vcents == "100") { Vcents = "10"; } else { Vcents = Vcents; }

var Vformat = "";

if(Vnum >= 10000000) { Vformat = (V10million + "" + V1million + "," + V100thousand + "" + V10thousand + "" + V1thousand + "," + Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 1000000) { Vformat = (V1million + "," + V100thousand + "" + V10thousand + "" + V1thousand + "," + Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 100000) { Vformat = (V100thousand + "" + V10thousand + "" + V1thousand + "," + Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 10000) { Vformat = (V10thousand + "" + V1thousand + "," + Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 1000) { Vformat = (V1thousand + "," + Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 100) { Vformat = (Vhundreds + "" + Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 10) { Vformat = (Vtens + "" + Vones + "." + Vcents); }
else
if(Vnum >= 1) { Vformat = (Vones + "." + Vcents); } else { Vformat = ("0." + Vcents); }

return Vformat;
  }
}


function computeForm(form) {

if(form.payment.value == "") { alert("Please enter the amount of your mortgage payment."); } else 
if(form.principal.value == "") { alert("Please enter the your mortgage's current principal balance."); }
else
if(form.intRate.value == "") { alert("Please enter your mortgage's annual interest rate."); } else {

var pmt1 = form.payment.value;
var pmt2 = form.payment.value / 2;
var prin1 = form.principal.value;
var prin2 = form.principal.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.intRate.value;
if (i > 1.0) { i = i / 100.0; }

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; }
}

form.origInt.value = "$" + formatNum(accumInt1);

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.biwkInt.value = "$" + formatNum(accumInt2);
var VintSave = eval(accumInt1) - eval(accumInt2);
form.intSave.value = "$" + formatNum(VintSave);
form.time.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 and extra $" + formatNum(pmt1 / 26) + " every two weeks you will pay off your mortgage in " + parseInt(count2 /26*12,10) + " months instead of the current " + count1 + " months, and save $" + formatNum(accumInt1 - accumInt2) + " in mortgage interest in the process.  Now I ask you, is there anything else you would rather spend your $" + formatNum(accumInt1 - accumInt2) + " on besides interest?";
   }
}

function clearForm(form)
{
form.principal.value = "";
form.payment.value = "";
form.intRate.value = "";
form.intSave.value = "";
form.origInt.value = "";
form.biwkInt.value = "";
form.time.value = "";
}