document.write('<!-- Hide the script -->');

    /*
    Loan Calculator - © 1998 - Dave Wedwick (dave@wedwick.com)
 
    You are hereby licensed to use this software for whatever purposes
    you choose without charge for as long as you like.  Please
    send a quick e-mail if you are using it (just curious to know
    how it's used).
 
    THIS SOFTWARE AND THE ACCOMPANYING FILES ARE PROVIDED "AS IS" AND WITHOUT
    WARRANTIES AS TO PERFORMANCE OF MERCHANTABILITY OR ANY OTHER WARRANTIES
    WHETHER EXPRESSED OR IMPLIED (it's just JavaScript, anyway).
 
    Because of the various hardware and software environments into which
    these files may be installed, NO WARRANTY OF FITNESS FOR
    A PARTICULAR PURPOSE IS OFFERED.
 
    You are hereby licensed to make as many copies of this software and
    documentation as you wish; give exact copies of the original version to
    anyone; and distribute this version of the software and documentation
    in its unmodified form via electronic means.
    */

    var LoanAmt;
    var Rate;
    var Period;
    var Payment;

    function CalcPayment(form) {
        // This calculates the payment amount from the other three values

        // Assign the values from the form
        LoanAmt = parseFloat(form.LoanAmt.value);
        Rate = parseFloat(form.Rate.value);
        Period = parseInt(form.Period.value);

        // Validate the values that are coming from the form
        if (isNaN(LoanAmt)) { alert("Missing Loan Amount"); return; }
        if (isNaN(Rate)) { alert("Missing Interest Rate"); return; }
        if (isNaN(Period)) { alert("Missing Period Value"); return; }

        // The Rate is the yearly interest rate -- adjust to make a monthly rate.
        //   Also, the rate is a percentage, so divide by 100 to make the usable
        //   amount;
        if (Rate >= 1) { Rate /= 100; }
        Rate /= 12;

        // Calculate the payment based on the other three amounts
        Payment = LoanAmt *
               (Rate * Math.pow(1 + Rate, Period)) /
                (Math.pow(1 + Rate, Period) - 1);

        // Format the value by multiplying by 100, rounding the number, then
        //   dividing that result to get two decimal places
        Payment = Math.ceil(Payment * 100) / 100;
        form.PaymentAmt.value = Payment.toString();

        return;
    }

    function CalcLoanAmt(form) {
        // This calculates the loan principal amount from the other three values

        // Assign the values from the form
        Rate = parseFloat(form.Rate.value);
        Period = parseInt(form.Period.value);
        Payment = parseFloat(form.PaymentAmt.value);

        // Validate the values that are coming from the form
        if (isNaN(Rate)) { alert("Missing Interest Rate"); return; }
        if (isNaN(Period)) { alert("Missing Period Value"); return; }
        if (isNaN(Payment)) { alert("Missing Payment Amount"); return; }

        // The Rate is the yearly interest rate -- adjust to make a monthly rate.
        //   Also, the rate is a percentage, so divide by 100 to make the usable
        //   amount;
        if (Rate >= 1) { Rate /= 100; }
        Rate /= 12;

        // Calculate the loan amount based on the other three amounts
        LoanAmt = Payment /
               ((Rate * Math.pow(1 + Rate, Period)) /
                (Math.pow(1 + Rate, Period) - 1));

        // Format the value by multiplying by 100, rounding the number, then
        //   dividing that result to get two decimal places
        form.LoanAmt.value = (Math.floor(LoanAmt * 100) / 100).toString();

        return;
    }

    function CalcPeriod(form) {
        // This calculates the loan principal amount from the other three values

        // Assign the values from the form
        LoanAmt = parseFloat(form.LoanAmt.value);
        Rate = parseFloat(form.Rate.value);
        Payment = parseFloat(form.PaymentAmt.value);

        // Validate the values that are coming from the form
        if (isNaN(LoanAmt)) { alert("Missing Loan Amount"); return; }
        if (isNaN(Rate)) { alert("Missing Interest Rate"); return; }
        if (isNaN(Payment)) { alert("Missing Payment Amount"); return; }

        // The Rate is the yearly interest rate -- adjust to make a monthly rate.
        //   Also, the rate is a percentage, so divide by 100 to make the usable
        //   amount;
        if (Rate >= 1) { Rate /= 100; }
        Rate /= 12;

        // If the payment is too low, the denominator in the first
        //   fraction goes negative, and the natural log of a negative
        //   is NaN.  So, there is a minimum payment -- or, you would
        //   never reduce the principal!
        if (Payment - LoanAmt * Rate < 0) {
            alert("Payment amount too small.\nIt must be at least $" +
          (Math.ceil(LoanAmt * Rate)).toString());

            return;
        }

        // Calculate the period based on the other three amounts
        with (Math) {
            Period = ceil(log(Payment / (Payment - LoanAmt * Rate)) /
                  log(1 + Rate));
        }

        // Format the value by multiplying by 100, rounding the number, then
        //   dividing that result to get two decimal places
        form.Period.value = Period.toString();

        // Re-adjust the payment to reflect this new period
        CalcPayment(form);

        return;
    }

    function CalcRate(form) {
        // This calculates the interest rate from the other three values.
        //   I could not find a formula for the interest rate, so I
        //   find the value iteratively.
        var TempPayment;
        var Increment;

        // Assign the values from the form
        LoanAmt = parseFloat(form.LoanAmt.value);
        Payment = parseFloat(form.PaymentAmt.value);
        Period = parseInt(form.Period.value);

        // Validate the values that are coming from the form
        if (isNaN(LoanAmt)) { alert("Missing Loan Amount"); return; }
        if (isNaN(Payment)) { alert("Missing Payment Amount"); return; }
        if (isNaN(Period)) { alert("Missing Period Value"); return; }

        // Remember the payment value as an integer (for comparing)
        TempPayment = -9999;   // Init
        Rate = 50 / 1200;      // Yearly rate of 50% (starting point)
        Increment = Rate / 2;

        with (Math) {
            while (abs(Payment - TempPayment) > 0.005) {

                // Calculate the payment based on the other three amounts
                TempPayment = LoanAmt *
                    (Rate * pow(1 + Rate, Period)) /
                    (pow(1 + Rate, Period) - 1);

                if (TempPayment > Payment) { Rate -= Increment; }
                else if (TempPayment < Payment) { Rate += Increment; }

                Increment /= 2;
            }
        }

        // Format the rate
        form.Rate.value = (parseInt(Rate * 1200000) / 1000).toString();

        return;
    }

    function ValToMoney(Val, ConverMethod) {
        // Format the passed value as a float with two decimal places
        var FmtVal;
        var DecPos;

        // If the conversion method is 1, use the ceil() method to convert
        //   the value and not the round()
        if (ConverMethod == 1) {
            FmtVal = (Math.ceil(Val * 100) / 100).toString();
        }
        else {
            FmtVal = (Math.round(Val * 100) / 100).toString();
        }

        // Make sure it has two decimal places after the decimal point
        DecPos = FmtVal.indexOf('.');
        if (DecPos == -1) { FmtVal += '.00'; }
        else if (DecPos == FmtVal.length - 1) { FmtVal += '00'; }
        else if (DecPos == FmtVal.length - 2) { FmtVal += '0'; }

        return FmtVal;
    }

    function ShowAmoritazation(form) {
        // Show the amortization table in the 2nd frame
        var Counter;
        var Bal;
        var Interest;
        var Principal;
        var TotInterest;

        // Assign the values from the form
        LoanAmt = parseFloat(form.LoanAmt.value);
        Rate = parseFloat(form.Rate.value);
        Payment = parseFloat(form.PaymentAmt.value);
        Period = parseInt(form.Period.value);

        // Validate the values that are coming from the form
        if (isNaN(LoanAmt)) { alert("Missing Loan Amount"); return; }
        if (isNaN(Rate)) { alert("Missing Interest Rate"); return; }
        if (isNaN(Payment)) { alert("Missing Payment Amount"); return; }
        if (isNaN(Period)) { alert("Missing Period Amount"); return; }

        // The Rate is the yearly interest rate -- adjust to make a monthly rate.
        //   Also, the rate is a percentage, so divide by 100 to make the usable
        //   amount;
        if (Rate > 1) { Rate /= 100; }
        Rate /= 12;

        // Write out the schedule on the 2nd frame
        with (parent.frames[1].document) {

            open();
            clear();

            write('</CENTER>');

            // -------------------------------
            // Show the parameters at the top
            // -------------------------------
            write('<TABLE BORDER=0>');
            write('<TR>');

            write('<TD ALIGN=LEFT>Loan Amount</TD>');
            write('<TD ALIGN=LEFT BGCOLOR=#CACACA>$' + LoanAmt.toString() + '</TD>');

            write('<TD WIDTH=30></TD>');

            write('<TD ALIGN=LEFT>Period</TD>');
            if (Period == 1) {
                write('<TD ALIGN=LEFT BGCOLOR=#CACACA>1 month</TD>');
            }
            else {
                write('<TD ALIGN=LEFT BGCOLOR=#CACACA>' + Period.toString() + ' months</TD>');
            }
            write('</TR>');

            write('<TR>');
            write('<TD ALIGN=LEFT>Interest Rate</TD>');
            write('<TD ALIGN=LEFT BGCOLOR=#CACACA>' + (parseInt(Rate * 1200000) / 1000).toString() + '%</TD>');

            write('<TD WIDTH=30></TD>');

            write('<TD ALIGN=LEFT>Monthly Payment</TD>');
            write('<TD ALIGN=LEFT BGCOLOR=#CACACA>$' + Payment.toString() + '</TD>');

            write('</TR>');

            write('</TABLE>');

            // ----------------------------
            // Write the results in a table
            // ----------------------------
            writeln('<TABLE BORDER=0>');
            writeln('<TR><TD COLSPAN=5><HR></TD></TR>');
            write('<TR><TH ALIGN=RIGHT>Month</TH>');
            write('<TH ALIGN=RIGHT>&nbsp;&nbsp;Payment</TH>');
            write('<TH ALIGN=RIGHT>&nbsp;&nbsp;Interest</TH>');
            write('<TH ALIGN=RIGHT>&nbsp;&nbsp;Principal</TH>');
            writeln('<TH ALIGN=RIGHT>&nbsp;&nbsp;Balance</TH></TR>');

            // Generate the monthly payment breakdown
            Bal = LoanAmt;
            TotInterest = 0;
            for (Counter = 1; Counter <= Period; Counter++) {
                // Calc the interest for the remaining balance
                Interest = Rate * Bal;
                TotInterest += Interest;

                // Calculate the amount of principal paid this month
                Principal = Payment - Interest;

                // Reduce the balance
                Bal -= Principal;

                if (Bal < 0) {
                    Principal += Bal;
                    Bal = 0;
                }

                write('<TR><TD ALIGN=RIGHT>' + Counter + '</TD>');
                write('<TD ALIGN=RIGHT>&nbsp;&nbsp;' + ValToMoney(Payment, 1) + '</TD>');
                write('<TD ALIGN=RIGHT>&nbsp;&nbsp;' + ValToMoney(Interest, 0) + '</TD>');
                write('<TD ALIGN=RIGHT>&nbsp;&nbsp;' + ValToMoney(Principal, 0) + '</TD>');
                writeln('<TD ALIGN=RIGHT>&nbsp;&nbsp;' + ValToMoney(Bal, 0) + '</TD></TR>');
            }

            write('<TR><TD COLSPAN=5><HR></TD></TR>');

            write('<TR><TD COLSPAN=2>Total Interest</TD>');
            write('<TD>&nbsp;&nbsp;' + ValToMoney(TotInterest, 0) + '</TD></TR>');
            writeln('</TABLE>');
            close();
        }
        return;
    }

    document.write('<!-- End hiding the script -->');