// Initialize needed variables

// The Disability rates are setup in increments of 6 months.

//alert("Setting the variables");

var PPYr = 12;
var PPMon = 1;
var Months = 0;
var PINt = 0;
var DInt = 0;
var V = 0;
var Annuity = 0;
var DisBen = 0;
var DisTerm = 0;
var DisTot = 0;
var DRate = 0;
var DecLTerm = 0;
var DecLRate = 0 ;
var DecLBen = 0;
var RateFactor = 0;
var FirstDays = 30;
var Payment = 0;
var AmtFin = 0;
var window1 = 0, window2 = 0, window3 = 0 ;

//alert("Done Setting the variables");

function NewCalcWin ()
{
if (window1 == 0) {
	//alert("Window1 test");
	window1 = window.open('calc.html','Calculator1','status,height=430,width=630');
	window1.status='Calc1';
	window1.focus();
} else {
if (window2 == 0) {
//	alert("Window2 test");
	window2 = window.open('calc.html','Calculator2','status,height=430,width=630');
	window2.status='Calc2';
	window2.focus();
} else {
if (window3 == 0) {
//	alert("Window3 test");
	window3 = window.open('calc.html','Calculator3','status,height=430,width=630');
	window3.status='Calc3';
	window3.focus();
} else {
	alert("You can only open 3 calculator windows.");
	window1.focus(); }}}

}
// End of NewCalcWin


// Calculate the Initial Payment
function calcpayment (DisChoice,LifeChoice,Freq, f)
{
//alert("In Calcpayment");
var DisRates = new Array("0","0","0","0","0","0","0","0","0","0","0","0","0","0","0","0","0","0","0","0");
var SDLRate = 0;
var JDLRate = 0;
var MaxLifeTerm = 120;
var MaxLifeBen = 60000;
var MaxDisTerm = 120;
var MaxDisBen = 750;
var MaxDisTot = 60000;

//	DisVal=DisChoice.options[DisChoice.selectedIndex].value;
//	LifeVal=LifeChoice.options[LifeChoice.selectedIndex].value;

	FreqVal=Freq.options[Freq.selectedIndex].value;
	DisVal=DisChoice;
	LifeVal=LifeChoice;

// alert("Verifying Freq Value");
	if (FreqVal == "M") {
	   PPYr = 12; 
	}
	if (FreqVal == "W") {
	   PPYr = 365/7; 
	}
	if (FreqVal == "S") {
	   PPYr = 24; 
	}
	if (FreqVal == "B") {
	   PPYr = 365/14; 
	}

//       PPYr = Math.round(PPYr);
        PPMon = PPYr / 12;
        Months = Math.floor(f.NumRegPays.value / PPMon + .9999);
// alert("Freq= "+FreqVal+"  PPYr= "+PPYr+"  PPMon= "+PPMon+"  Months= "+Months);
	PInt = (f.APR.value / 100) / PPYr;
// alert("APR= "+f.APR.value);
	DInt = (f.APR.value / 100) / 365;
	V = 1 / (1 + PInt);
	OddAdj = (1+FirstDays*DInt)*V;
	Annuity = (1 - Math.pow(V,f.NumRegPays.value)) / PInt;
// alert("PPYr= "+PPYr+"  PPMon= "+PPMon+"  Months= "+Months+"  PInt= "+PInt+"  DInt= "+DInt+"  V= "+V+"  OddA= "+OddAdj+"  Annuity= "+Annuity);


//	alert("Disability= "+DisVal);
	if (DisVal == "S") {

	   if (Months >= MaxDisTerm) {
	      DisTerm = MaxDisTerm; 
	   } else {
	      DisTerm = Months; 
	   }
	   DTabVal = DisRates[Math.round(DisTerm / 6)-1];
	   DRate = DTabVal/100;
	} else {
	   DisTerm = 0;
	   DTabVal = 0;
	   DRate = 0;
	}

// alert("DisTerm= "+DisTerm+"  DTabVal= "+DTabVal+"  DisRate= "+DRate);


	if ((LifeVal == "S") || (LifeVal == "J")) {
	   if (Months > MaxLifeTerm) {
	      DecLTerm = MaxLifeTerm;
	   } else {
	      DecLTerm = Months;
	   }

	   if (LifeVal == "S") {
	      DecLRate = (SDLRate/1200)*DecLTerm;
//	      alert("DecLRate= "+DecLRate+"  Single= "+SDLRate);
	   } else { 
	      DecLRate = ((SDLRate * JDLRate) / 1200)*DecLTerm;
//	      alert("DecLRate= "+DecLRate+"  Joint= "+JDLRate);
	   }

   	} else {
//	   alert("Zeroing Life Rates");
	   DecLTerm = 0;
	   DecLRate = 0;
	}
//	alert("Life Term= "+DisTerm+ "  DecLRate= "+DecLRate);

	RateFactor = ((DisTerm * DRate) + (DecLTerm * DecLRate)) * OddAdj * PPMon;
	Payment = Math.round(f.AmtReq.value * OddAdj / (Annuity - RateFactor) * 100) / 100;
//	alert("RateFactor= "+RateFactor+"  Payment= "+Payment);
	if (DisVal == "S") {
	   DisBen = Payment * PPMon;
	} else {
	   DisBen = 0;
	}
	if ((LifeVal == "S") || (LifeVal == "J")) {
	   DecLBen = Payment * PPMon * DecLTerm;
	} else {
	   DecLBen = 0;
	}

//  Check Disability Insurance Max Amounts and recalc if needed.
	if (DisBen > MaxDisBen) {
	   DisBen2 = MaxDisBen;
	} else {
	   DisBen2 =DisBen;
	}
	DisTot = DisBen2 * DisTerm;
	
	if (DisTot > MaxDisTot) {
	   DisTot2 = MaxDisTot; 
	   DisBen3 = DisTot2 / DisTerm;
	} else {
	   DisTot2 = DisTot; 
	   DisBen3 = DisBen2;
	}
	DisPrem = Math.round(DisTot2 * DRate * 100) / 100;
//	alert("DisPRem= "+DisPrem)   
	if (DecLBen > MaxLifeBen) {
	   DecLBen2 = MaxLifeBen;
	} else {
	   DecLBen2 = DecLBen;
	}
	DecLPrem = Math.round(DecLBen2 * DecLRate * 100) / 100;
//	alert("DecLPrem= "+DecLPrem)   


	if ((DisBen > MaxDisBen) || (DisTot > MaxDisTot) || (DecLBen > MaxLifeBen)) {
	   Payment2 = Math.round(((Math.round(f.AmtReq.value * 100) + Math.round(DisPrem * 100) + Math.round(DecLPrem * 100)) / 100) * OddAdj / Annuity * 100) / 100;
	} else {
	   Payment2=Payment;
	}
//	alert("Payment2= "+Payment2);

	if (Payment > Payment2) {
	   Diff = Payment - Payment2;
	} else {
	   Diff = Payment2 - Payment;
	}

//Recalc #1

	R1TotPayBack = Payment2 * f.NumRegPays.value;

	if (DisVal == "S") {
	   R1DisBen = Payment2 * PPMon;
	} else {
	   R1DisBen = 0;
	}

	if ((LifeVal == "S") || (LifeVal == "J")) {
	   R1DecLBen = Payment2 * PPMon * DecLTerm;
	} else {
	   R1DecLBen = 0;
	}

//Check Insurance #2 Max Amounts and recalc if needed.
	if (R1DisBen > MaxDisBen) {
	   R1DisBen2 = MaxDisBen;
	} else {
	   R1DisBen2 =R1DisBen;
	}
	R1DisTot = R1DisBen2 * DisTerm;
	
	if (R1DisTot > MaxDisTot) {
	   R1DisTot2 = MaxDisTot; 
	   R1DisBen3 = R1DisTot2 / DisTerm;
	} else {
	   R1DisTot2 = R1DisTot; 
	   R1DisBen3 = R1DisBen2;
	}
	R1DisPrem = Math.round(R1DisTot2 * DRate * 100) / 100;
	   
	if (R1DecLBen > MaxLifeBen) {
	   R1DecLBen2 = MaxLifeBen;
	} else {
	   R1DecLBen2 = R1DecLBen;
	}
	R1DecLPrem = Math.round(R1DecLBen2 * DecLRate * 100) / 100;


	if ((R1DisBen > MaxDisBen) || (R1DisTot > MaxDisTot) || (R1DecLBen > MaxLifeBen)) {
	   R1Payment = Math.round(((Math.round(f.AmtReq.value * 100) + Math.round(R1DisPrem * 100) + Math.round(R1DecLPrem * 100)) / 100) * OddAdj / Annuity * 100) / 100;
	} else {
	   R1Payment = Payment2;
	}
//	alert("R1Payment= "+R1Payment);
	if (R1Payment > Payment2) {
	   R1Diff = R1Payment - Payment2;
	} else {
	   R1Diff = Payment2 - R1Payment;
	}

//Recalc #2
	R2TotPayBack = R1Payment * f.NumRegPays.value;
	if (DisVal == "S") {
	   R2DisBen = R1Payment * PPMon;
	} else {
	   R2DisBen = 0;
	}

	if ((LifeVal == "S") || (LifeVal == "J")) {
	   R2DecLBen = R1Payment * PPMon * DecLTerm;
	} else {
	   R2DecLBen = 0;
	}

//Check Insurance #3 Max Amounts and recalc if needed.
	if (R2DisBen > MaxDisBen) {
	   R2DisBen2 = MaxDisBen;
	} else {
	   R2DisBen2 =R2DisBen;
	}
	R2DisTot = R2DisBen2 * DisTerm;
	
	if (R2DisTot > MaxDisTot) {
	   R2DisTot2 = MaxDisTot; 
	   R2DisBen3 = R2DisTot2 / DisTerm;
	} else {
	   R2DisTot2 = R2DisTot; 
	   R2DisBen3 = R2DisBen2;
	}
	R2DisPrem = Math.round(R2DisTot2 * DRate * 100) / 100;
	   
	if (R2DecLBen > MaxLifeBen) {
	   R2DecLBen2 = MaxLifeBen;
	} else {
	   R2DecLBen2 = R2DecLBen;
	}
	R2DecLPrem = Math.round(R2DecLBen2 * DecLRate * 100) / 100;


	if ((R2DisBen > MaxDisBen) || (R2DisTot > MaxDisTot) || (R2DecLBen > MaxLifeBen)) {
	   R2Payment = Math.round(((Math.round(f.AmtReq.value * 100) + Math.round(R2DisPrem * 100) + Math.round(R2DecLPrem * 100)) / 100) * OddAdj / Annuity * 100) / 100;
	} else {
	   R2Payment = R1Payment;
	}
//	alert("R2Payment= "+R2Payment);
	if (R2Payment > R1Payment) {
	   R2Diff = R2Payment - R1Payment;
	} else {
	   R2Diff = R1Payment - R2Payment;
	}


//Recalc #3
	R3TotPayBack = R2Payment * f.NumRegPays.value;
	if (DisVal == "S") {
	   R3DisBen = R2Payment * PPMon;
	} else {
	   R3DisBen = 0;
	}

	if ((LifeVal == "S") || (LifeVal == "J")) {
	   R3DecLBen = R2Payment * PPMon * DecLTerm;
	} else {
	   R3DecLBen = 0;
	}

//Check Insurance #4 Max Amounts and recalc if needed.
	if (R3DisBen > MaxDisBen) {
	   R3DisBen2 = MaxDisBen;
	} else {
	   R3DisBen2 =R2DisBen;
	}
	R3DisTot = R3DisBen2 * DisTerm;
	
	if (R3DisTot > MaxDisTot) {
	   R3DisTot2 = MaxDisTot; 
	   R3DisBen3 = R3DisTot2 / DisTerm;
	} else {
	   R3DisTot2 = R3DisTot; 
	   R3DisBen3 = R3DisBen2;
	}
	R3DisPrem = Math.round(R3DisTot2 * DRate * 100) / 100;
	   
	if (R3DecLBen > MaxLifeBen) {
	   R3DecLBen2 = MaxLifeBen;
	} else {
	   R3DecLBen2 = R3DecLBen;
	}
	R3DecLPrem = Math.round(R3DecLBen2 * DecLRate * 100) / 100;


	if ((R3DisBen > MaxDisBen) || (R3DisTot > MaxDisTot) || (R3DecLBen > MaxLifeBen)) {
	   R3Payment = Math.round(((Math.round(f.AmtReq.value * 100) + Math.round(R3DisPrem * 100) + Math.round(R3DecLPrem * 100)) / 100) * OddAdj / Annuity * 100) / 100;
	} else {
	   R3Payment = R2Payment;
	}
//	alert("R3Payment= "+R3Payment);
	if (R3Payment > R2Payment) {
	   R3Diff = R3Payment - R2Payment;
	} else {
	   R3Diff = R2Payment - R3Payment;
	}


//  Final Calculations for display on the screen.

	AmtFin = (Math.round(f.AmtReq.value * 100) + Math.round(R3DisPrem * 100) + Math.round(R3DecLPrem * 100)) / 100;
//	f.DisPrem.value = R3DisPrem;
//	f.DecLPrem.value = R3DecLPrem;
//	f.TotPayBack.value = Math.round(R3Payment * f.NumRegPays.value * 100) / 100;
//	f.AmtFin.value = (Math.round(f.AmtReq.value * 100) + Math.round(R3DisPrem * 100) + Math.round(R3DecLPrem * 100)) / 100;
//	f.FinCharge.value = (Math.round(R3TotPayBack*100) - Math.round(f.AmtFin.value*100))/100;
//	f.Payment.value = R3Payment;

} // end of calcpayment.


function round (amount) {

ttl = "" + ((Math.round(amount * 100)) / 100);
dec1 = ttl.substring(ttl.length-3, ttl.length-2);
dec2 = ttl.substring(ttl.length-2, ttl.length-1);

if (dec1 != '.') { // adds trailing zeroes if necessary
if (dec2 == '.') ttl += "0";
else ttl += ".00";
}

if (ttl.length > 6) {
   rtside=ttl.substring(ttl.length-6, ttl.length);
   ltside=ttl.substring(0, ttl.length-6);
   ttl=ltside+","+rtside;
}

return ttl;

// form.total.value = "$ " + ttl; // display total amount

} // end of round


// Calculate the Initial Payment
function calcall (cf)
{
// alert("Calling Calcpay1");
//	DisVal=DisChoice.options[DisChoice.selectedIndex].value;

	calcpayment("N", "N", cf.Freq, cf);
	cf.Pymt0.value = round(R3Payment);
	cf.FinCharge0.value = round((Math.round(R3TotPayBack*100) - Math.round(AmtFin*100.00))/100);
	cf.TotPayBack0.value = round(Math.round(R3Payment * cf.NumRegPays.value * 100) / 100);

//	calcpayment("S", "N", cf.Freq, cf);
//	cf.Pymt1.value = round(R3Payment);
//	cf.FinCharge1.value = round((Math.round(R3TotPayBack*100) - Math.round(AmtFin*100.00))/100);
//	cf.TotPayBack1.value = round(Math.round(R3Payment * cf.NumRegPays.value * 100) / 100);

//	calcpayment("N", "S", cf.Freq, cf);
//	cf.Pymt2.value = round(R3Payment);
//	cf.FinCharge2.value = round((Math.round(R3TotPayBack*100) - Math.round(AmtFin*100.00))/100);
//	cf.TotPayBack2.value = round(Math.round(R3Payment * cf.NumRegPays.value * 100) / 100);

//	calcpayment("S", "S", cf.Freq, cf);
//	cf.Pymt3.value = round(R3Payment);
//	cf.FinCharge3.value = round((Math.round(R3TotPayBack*100) - Math.round(AmtFin*100.00))/100);
//	cf.TotPayBack3.value = round(Math.round(R3Payment * cf.NumRegPays.value * 100) / 100);

//	calcpayment("N", "J", cf.Freq, cf);
//	cf.Pymt4.value = round(R3Payment);
//	cf.FinCharge4.value = round((Math.round(R3TotPayBack*100) - Math.round(AmtFin*100.00))/100);
//	cf.TotPayBack4.value = round(Math.round(R3Payment * cf.NumRegPays.value * 100) / 100);

//	calcpayment("S", "J", cf.Freq, cf);
//	cf.Pymt5.value = round(R3Payment);
//	cf.FinCharge5.value = round((Math.round(R3TotPayBack*100) - Math.round(AmtFin*100.00))/100);
//	cf.TotPayBack5.value = round(Math.round(R3Payment * cf.NumRegPays.value * 100) / 100);

} // end of calcall.



// end the hiding-->