function costs(dblamount, points) {
		
		var strPointMessage = "Points must be a valid number.";
		var strAmountMessage = "Amount must be a valid number.";
		var strPointDefault = "0.00";
		var strAmountDefault = "$150,000.00";
				
		if(isNaN(convertToNum(dblamount)))
		{
				alert(strAmountMessage);
				document.frmCalc.textAmount.value = strAmountDefault;
				dblamount = 150000;
	
		}

		if(isNaN(points))
		{
				alert(strPointMessage);
				document.frmCalc.textPoints.value = strPointDefault;
				points = 0.00;
	
		}

		
		
		// assign
		var dblFees;
		points = convertToNum(points);
		dblamount = convertToNum(dblamount);
		
		//origination fee - 1%
		//dblFees = dblamount * .01;
		dblFees = 0;
		
		//under writing fees
		dblFees = dblFees + 350;
		
		// processing fees
		dblFees = dblFees + 350;
		
		// appraisal fee
		dblFees = dblFees + 350;
		
		// credit fee
		dblFees = dblFees + 13.50;
		
		// du fee
		dblFees = dblFees + 30;
		
		//tax svc
		dblFees = dblFees + 90;
		
		//title
		dblFees = dblFees + dblamount * .01; 
		document.frmCalc.txtTitle.value = dblamount * .01;
		
		//points
		dblFees = dblFees + dblamount * points / 100.00
		document.frmCalc.txtPoints.value = dblamount * points / 100.00;
		return dblFees;		
	}
	function formatCurrency(frmObj) {
	var num = frmObj.value;
	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));
	frmObj.value = (((sign)?'':'-') + '$' + num + '.' + cents);
	}
	
function convertToNum(theControl) {
	var strInitial = theControl
	var strFinal = new String()
	strFinal = '';
	var j = 0;
	var dotCount = 0;

	if (strInitial.length > 0)
	{
		for (var i = 0; i < strInitial.length; ++i)
		{
			if ((strInitial.charAt(i) == '0') ||
				(strInitial.charAt(i) == '1') ||
				(strInitial.charAt(i) == '2') ||
				(strInitial.charAt(i) == '3') ||
				(strInitial.charAt(i) == '4') ||
				(strInitial.charAt(i) == '5') ||
				(strInitial.charAt(i) == '6') ||
				(strInitial.charAt(i) == '7') ||
				(strInitial.charAt(i) == '8') ||
				(strInitial.charAt(i) == '9') ||
				(strInitial.charAt(i) == '.' && dotCount < 1))
				
			{
				j = j + 1;
				if (strInitial.charAt(i) == '.')
				{
					dotCount += 1;
				}
				
				strFinal += strInitial.charAt(i);
			}
		}
	}
	return strFinal;
}
		
	function getValue(objFrm) {
		objFrm.txtResult.value = costs(objFrm.txtLoanAmount.value, objFrm.textPoints.value);
		formatCurrency(objFrm.txtResult);
	}
//-->
function FormatCurrency(thisControl)
{
	var num = thisControl.value;
	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));
	
	thisControl.value = (((sign)?'':'-') + '$' + num + '.' + cents); //this line works...
}

function FormatTelephone(thisControl)
{
	var theControl = thisControl;
	var strInitial = theControl.value
	var strFinal = new String()
	var j = 0 
	var rePhone = new RegExp("[(]\\d\\d\\d[)][ ]\\d\\d\\d[-]\\d{4}$");
	
	if (strInitial.length > 2)
		{
		 strFinal = "("
		 };

	for (var i = 0; i < strInitial.length; ++i)
	{
		if ((strInitial.charAt(i) == '0') ||
			(strInitial.charAt(i) == '1') ||
			(strInitial.charAt(i) == '2') ||
			(strInitial.charAt(i) == '3') ||
			(strInitial.charAt(i) == '4') ||
			(strInitial.charAt(i) == '5') ||
			(strInitial.charAt(i) == '6') ||
			(strInitial.charAt(i) == '7') ||
			(strInitial.charAt(i) == '8') ||
			(strInitial.charAt(i) == '9'))
			
		{
			j = j + 1
			if (j == 4) {
				strFinal = strFinal + ") ";
			}

			if (j == 7) {
				strFinal = strFinal + "-";
			}
	
			if (j < 11) {
				strFinal = strFinal + strInitial.charAt(i);
			}
		}
	}
	theControl.value = strFinal
}
//this formats social security numbers
//as xxx-xx-xxxx

function FormatSSN(thisControl)
{
	var theControl = thisControl;
	var strInitial = theControl.value
	var strFinal = new String()
//	var formattedSSN = new RegExp("\\d{3}[-]\\d{2}[-]\\d{4}$");
	var j = 0 


	// here we process the field numbers into a new ssn string

	//  window.alert("DEBUG: traverse " + strInitial.length + "characters")
	
	for (var i = 0; i < strInitial.length; ++i)
	{
		if ((strInitial.charAt(i) == '0') ||
			(strInitial.charAt(i) == '1') ||
			(strInitial.charAt(i) == '2') ||
			(strInitial.charAt(i) == '3') ||
			(strInitial.charAt(i) == '4') ||
			(strInitial.charAt(i) == '5') ||
			(strInitial.charAt(i) == '6') ||
			(strInitial.charAt(i) == '7') ||
			(strInitial.charAt(i) == '8') ||
			(strInitial.charAt(i) == '9'))
			
		{	
			j = j + 1
			if (j == 4) {
				strFinal = strFinal + "-";
			}

			if (j == 6) {
				strFinal = strFinal + "-";
			}
			
			if (j < 10) {
				strFinal = strFinal + strInitial.charAt(i);
			}
		}
	}
	theControl.value = strFinal
}