/*****************************************************************
	Cut-N-Paste JavaScript from ISN Toolbox
	Copyright 1998, Infohiway, Inc.  Restricted use is hereby
	granted (commercial and personal OK) so long as this code
	is not *directly* sold and the copyright notice is buried
	somewhere deep in your HTML document.  A link to our site
	http://www.infohiway.com is always appreciated of course,
	but is absolutely and positively not necessary. ;-) 
*****************************************************************/

var irate, mi, cmi, years, tprinc, princ, paym, cpaym, osp,v,downp,downr,comp;

function calcPaym(cdn){
	tprinc = round2d(parseFloat(document.smpc.tprinc.value));
	downp = .01*parseFloat(document.smpc.downp.value);
	downr = ceil2d(downp*tprinc);
	princ = tprinc-downr;
	
	document.smpc.princ.value = formatCurrency(fmt2d(princ,0));
	document.smpc.downr.value = formatCurrency(fmt2d(downr,0));
	
	if(cdn)comp="Canadian"; else comp="U.S";
	document.smpc.comp.value = comp;
	irate = .01*parseFloat(document.smpc.percent.value);
	years=parseFloat(document.smpc.years.value);
	term = parseFloat(document.smpc.term.value);
	if(term > years)term=years;
	if (term==0 || years==0||irate<.0001||princ<1)
	{alert("values must be numeric");}
	else
	{
	if(cdn)mi = Math.pow(1+ irate/2,1/6)
	else   mi = 1+(irate/12);
		   v = 1/mi;
		   paym = ceil2d(princ*(mi-1)/(1-Math.pow(mi,-(years*12))));
		   osp = (princ-(v*paym*(1-Math.pow(v,12*term)))/(1-v))/Math.pow(v,12*term);
		   if(osp<0)osp = 0;
		   document.smpc.paym.value = formatCurrency(fmt2d(paym,0));
		   document.smpc.owed.value = formatCurrency(fmt2d(osp,0));
	   }
}
function round2d(n){return(.01* Math.round(100*n));}
function round2d(n){return(.01* Math.round(100*n));}
function floor2d(n){return(.01* Math.floor(100*n));}
function ceil2d(n){return(.01* Math.ceil(100*n));}

// format number n as string width w with 2 decimal places
function fmt2d(n,w)
{
   var work,dp,sl,dl;
   work = ""+floor2d(n); // force only 2 decimals
   sl=work.length;
   if(-1 == (dp = work.indexOf(".")))work=work+".00";
   else if(3 > sl-dp)work = work+".00".substring(sl-dp,3);
   sl = work.length;
   if(0 != w && w !=sl)
      if(w<sl){work = "*";for(sl=1;sl<w;sl++)work=work+"*";}
      else for(;sl<w;sl++)work=" "+work;
   return work;
}

/*  
	Original:  Cyanide_7 (leo7278@hotmail.com) 
	Web Site:  http://www7.ewebcity.com/cyanide7 
*/
function formatCurrency(num) {
	num = num.toString().replace(/\$|\,/g,'');
	if(isNaN(num))
	num = "0";
	sign = (num == (num = Math.abs(num)));
	num = Math.floor(num*100+0.50000000001);
	cents = num%100;
	num = Math.floor(num/100).toString();
	if(cents<10)
	cents = "0" + cents;
	for (var i = 0; i < Math.floor((num.length-(1+i))/3); i++)
	num = num.substring(0,num.length-(4*i+3))+','+
	num.substring(num.length-(4*i+3));
	return (((sign)?'':'-') + '$' + num + '.' + cents);
}