//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//ARM vs Fixed Rate Mortgage Calculator
//2004 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 10/21/2004
//Last Modified: 10/21/2004
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:5114-1170-135-1128
//Commercial Licence Date:2007-12-22
//*******************************************



function stripNum(num) {

   num=num.toString();


   var len = num.length;
   var rnum = "";
   var test = "";
   var j = 0;

   var b = num.substring(0,1);
   if(b == "-") {
      rnum = "-";
   }

   for(i = 0; i <= len; i++) {

      b = num.substring(i,i+1);

      if(b == "0" || b == "1" || b == "2" || b == "3" || b == "4" || b == "5" || b == "6" || b == "7" || b == "8" || b == "9" || b == ".") {
         rnum = rnum + "" + b;

      }

   }

   if(rnum == "" || rnum == "-") {
      rnum = 0;
   }

   rnum = Number(rnum);

   return rnum;

}



function computeMonthlyPayment(prin, numPmts, intRate) {

var pmtAmt = 0;

if(intRate == 0) {
   pmtAmt = prin / numPmts;
} else {
   
   if (intRate >= 1.0) {
     intRate = intRate / 100.0;
   }
   intRate /= 12;

   var pow = 1;
   for (var j = 0; j < numPmts; j++)
      pow = pow * (1 + intRate);

   pmtAmt = (prin * pow * intRate) / (pow - 1);

}

return pmtAmt;

}




function formatNumberDec(num, places, comma) {

var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = eval(myPlaces) + eval(1);
       myZeros = myZeros + "0";
    }
    
	onum=Math.round(num*myDecFact)/myDecFact;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

   if(places > 0) {
      decimal = "." + decimal;
   }

   if(comma == 1) {
	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}


	finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }

    if(isNeg == 1) {
       finNum = "-" + finNum;
    }

	return finNum;
}


function computeForm(report, lang) {

var alert_txt = "";

if(document.calc.principal.value == 0 || document.calc.principal.value == "") {
   alert("Please enter the mortgage's principal amount.");
   document.calc.principal.focus();
} else
if(document.calc.adjust_amt.value == 0 || document.calc.adjust_amt.value == "") {
   alert_txt = "Please enter the expected amount of each adjustment (eg.";
   alert_txt += " \".25\" if rates are expected to increase or \"-.25\" if";
   alert_txt += " rates are expected to decrease).";
   alert(alert_txt);
   document.calc.adjust_amt.focus();
} else
if(document.calc.fixed_rate.value == 0 || document.calc.fixed_rate.value == "") {
   alert("Please enter the annual interest rate for the fixed mortgage.");
   document.calc.fixed_rate.focus();
} else
if(document.calc.adj_start_rate.value == 0 || document.calc.adj_start_rate.value == "") {
   alert("Please enter the interest rate for the fully amortizing adjustable mortgage.");
   document.calc.adj_start_rate.focus();
} else
if(document.calc.adj_start_months.value == 0 || document.calc.adj_start_months.value == "") {
   alert_txt = "Please enter the number of months the rate will ";
   alert_txt += "be fixed for the fully amortizing ";
   alert_txt += "adjustable mortgage.";
   alert(alert_txt);
   document.calc.adj_start_months.focus();
} else
if(document.calc.adj_rate_cap.value == 0 || document.calc.adj_rate_cap.value == "") {
   alert_txt = "Please enter the maximum allowable interest rate ";
   alert_txt += "(rate cap) for the fully amortizing ";
   alert_txt += "adjustable rate mortgage.";
   alert(alert_txt);
   document.calc.adj_rate_cap.focus();
} else
if(document.calc.io_start_rate.value == 0 || document.calc.io_start_rate.value == "") {
   alert("Please enter the interest rate for the interest-only adjustable mortgage.");
   document.calc.io_start_rate.focus();
} else
if(document.calc.io_start_months.value == 0 || document.calc.io_start_months.value == "") {
   alert_txt = "Please enter the number of months the rate ";
   alert_txt += "will be fixed for the interest-only ";
   alert_txt += "adjustable mortgage.";
   alert(alert_txt);
   document.calc.io_start_months.focus();
} else
if(document.calc.io_rate_cap.value == 0 || document.calc.io_rate_cap.value == "") {
   alert_txt = "Please enter the maximum allowable interest rate ";
   alert_txt += "(rate cap) for the interest-only ";
   alert_txt += "adjustable rate mortgage.";
   alert(alert_txt);
   document.calc.io_rate_cap.focus();
} else {

var Vprincipal = stripNum(document.calc.principal.value);

var VnumYears_idx = document.calc.numYears.selectedIndex;
var VnumYears = document.calc.numYears.options[VnumYears_idx].value;
var term_months = VnumYears * 12;

var Vadjust_amt = stripNum(document.calc.adjust_amt.value);

var Vfixed_rate = stripNum(document.calc.fixed_rate.value);

var Vadj_start_rate = stripNum(document.calc.adj_start_rate.value);
var Vadj_start_months = stripNum(document.calc.adj_start_months.value);
var Vadj_rate_cap = stripNum(document.calc.adj_rate_cap.value);

var Vio_start_rate = stripNum(document.calc.io_start_rate.value);
var Vio_start_months = stripNum(document.calc.io_start_months.value);
var Vio_rate_cap = stripNum(document.calc.io_rate_cap.value);

if(Vprincipal < 100) {
   alert("Please enter a mortgage loan amount that is greater than $100.");
   document.calc.principal.focus();
} else
if(Vprincipal > 100000000) {
   alert("Please enter a mortgage loan amount that is less than $100,000,000.");
   document.calc.principal.focus();
} else
if(Vadjust_amt > 3) {
   alert("Rate adjustment amount must be less than or equal to 3.000%.");
   document.calc.adjust_amt.focus();
} else
if(Vadjust_amt < -3) {
   alert("Rate adjustment amount must be greater than or equal to -3.000%.");
   document.calc.adjust_amt.focus();
} else
if(Vadj_start_rate > 25) {
   alert_txt = "Please enter a starting interest rate for the ";
   alert_txt += "fully amortizing adjustable rate mortgage that ";
   alert_txt += "is less than or equal to 25.000%.";
   alert(alert_txt);
   document.calc.adj_start_rate.focus();
} else
if(Vadj_rate_cap < 5) {
   alert_txt = "Please enter a rate cap for the fully amortizing ";
   alert_txt += "adjustable rate mortgage that is greater than ";
   alert_txt += "or equal to 5.000%.";
   alert(alert_txt);
   document.calc.adj_rate_cap.focus();
} else
if(Vadj_rate_cap > 25) {
   alert_txt = "Please enter a rate cap for the fully amortizing ";
   alert_txt += "adjustable rate mortgage that is less ";
   alert_txt += "than or equal to 25.000%.";
   alert(alert_txt);
   document.calc.adj_rate_cap.focus();
} else
if(Vadj_start_months > 120) {
   alert_txt = "Number of months before adjustments for the fully ";
   alert_txt += "amortizing adjustable rate mortgage must be ";
   alert_txt += "less than or equal to 120.";
   alert(alert_txt);
   document.calc.adj_start_months.focus();

} else
if(Vio_start_rate > 25) {
   alert_txt = "Please enter a starting interest rate for the ";
   alert_txt += "interest-only adjustable rate mortgage that ";
   alert_txt += "is less than or equal to 25.000%.";
   alert(alert_txt);
   document.calc.io_start_rate.focus();
} else
if(Vio_rate_cap < 5) {
   alert_txt = "Please enter a rate cap for the interest-only ";
   alert_txt += "adjustable rate mortgage that is greater ";
   alert_txt += "than or equal to 5.000%.";
   alert(alert_txt);
   document.calc.io_rate_cap.focus();
} else
if(Vio_rate_cap > 25) {
   alert_txt = "Please enter a rate cap for the interest-only ";
   alert_txt += "adjustable rate mortgage that is less ";
   alert_txt += "than or equal to 25.000%.";
   alert(alert_txt);
   document.calc.io_rate_cap.focus();
} else
if(Vio_start_months > 120) {
   alert_txt = "Number of months before adjustments for the ";
   alert_txt += "interest-only adjustable rate mortgage must ";
   alert_txt += "be less than or equal to 120.";
   alert(alert_txt);
   document.calc.io_start_months.focus();
} else {



var Vfixed_pmt = computeMonthlyPayment(Vprincipal, term_months, Vfixed_rate);
Vfixed_pmt = Math.round(Vfixed_pmt * 100) / 100;
document.calc.fixed_pmt.value = "$" + formatNumberDec(Vfixed_pmt,2,1);

var Vadj_start_pmt = computeMonthlyPayment(Vprincipal, term_months, Vadj_start_rate);
//Vadj_start_pmt = Math.round(Vadj_start_pmt * 100) / 100;
document.calc.adj_start_pmt.value = "$" + formatNumberDec(Vadj_start_pmt,2,1);

var Vio_start_pmt = Vio_start_rate / 100 / 12 * Vprincipal;
document.calc.io_start_pmt.value = "$" + formatNumberDec(Vio_start_pmt,2,1);

var fix_rate = Vfixed_rate;
var adj_rate = Vadj_start_rate;
var io_rate = Vio_start_rate;

var fix_pmt = Vfixed_pmt;
var adj_pmt = Vadj_start_pmt;
var io_pmt = Vio_start_pmt;

var fix_accum_pmts = 0;
var adj_accum_pmts = 0;
var io_accum_pmts = 0;

var fix_prin = Vprincipal;
var fix_int_port = 0;
var fix_accum_int = 0;
var fix_prin_port = 0;
var fix_accum_prin = 0;

var adj_prin = Vprincipal;
var adj_int_port = 0;
var adj_accum_int = 0;
var adj_prin_port = 0;
var adj_accum_prin = 0;

var io_prin = Vprincipal;
var io_int_port = 0;
var io_accum_int = 0;
var io_prin_port = 0;
var io_accum_prin = 0;

var cnt = 0;
var adj_adjust_nprs = 0;
var io_adjust_nprs = 0;
var Vadjust_months = 12;
var adj_new_term_months = 0;
var io_new_term_months = 0;

var fix_i = 0;
var adj_i = 0;
var io_i = 0;

var pmtRows = "";

while(cnt < term_months) {

   cnt += 1;

   if(cnt <= Vadj_start_months) {
      adj_rate = Vadj_start_rate;
   } else {
      if((eval(cnt)-eval(1)) % Vadjust_months == 0) {
         adj_adjust_nprs += 1;
         adj_new_term_months = eval(term_months) - eval(cnt) + eval(1);
         adj_rate = eval(adj_adjust_nprs * Vadjust_amt) + eval(Vadj_start_rate);
         if(adj_rate < 2) {
            adj_rate = 2;
         }
         if(adj_rate > Vadj_rate_cap) {
            adj_rate = Vadj_rate_cap;
         }
         adj_pmt = computeMonthlyPayment(adj_prin, adj_new_term_months, adj_rate);
         //adj_pmt = Math.round(adj_pmt * 100) / 100;
      }
   }


   if(cnt <= Vio_start_months) {
      io_rate = Vio_start_rate;
   } else {
      if((eval(cnt)-eval(1)) % Vadjust_months == 0) {
         io_adjust_nprs += 1;
         io_new_term_months = eval(term_months) - eval(cnt) + eval(1);
         io_rate = eval(io_adjust_nprs * Vadjust_amt) + eval(Vio_start_rate);
         if(io_rate < 2) {
            io_rate = 2;
         }
         if(io_rate > Vio_rate_cap) {
            io_rate = Vio_rate_cap;
         }
         io_pmt = Math.round(io_rate / 100 / 12 * Vprincipal * 100) / 100;
      }
   }


   fix_i = fix_rate / 100 / 12;
   adj_i = adj_rate / 100 / 12;

   if(cnt < term_months) {

      fix_int_port = Math.round(fix_prin * fix_i * 100) / 100;
      fix_accum_int += fix_int_port;
      fix_prin_port= eval(fix_pmt) - eval(fix_int_port);
      fix_accum_prin = eval(fix_accum_prin) + eval(fix_prin_port);
      fix_prin = eval(fix_prin) - eval(fix_prin_port);

      adj_int_port = Math.round(adj_prin * adj_i * 100) / 100;
      adj_accum_int += adj_int_port;
      adj_prin_port= eval(adj_pmt) - eval(adj_int_port);
      adj_accum_prin = eval(adj_accum_prin) + eval(adj_prin_port);
      adj_prin = eval(adj_prin) - eval(adj_prin_port);

   } else {

      fix_int_port = Math.round(fix_prin * fix_i * 100) / 100;
      fix_accum_int += fix_int_port;
      fix_prin_port= fix_prin;
      fix_accum_prin = eval(fix_accum_prin) + eval(fix_prin_port);
      fix_prin = eval(fix_prin) - eval(fix_prin_port);
      fix_pmt = eval(fix_prin_port) + eval(fix_int_port);

      adj_int_port = Math.round(adj_prin * adj_i * 100) / 100;
      adj_accum_int += adj_int_port;
      adj_prin_port= adj_prin;
      adj_accum_prin = eval(adj_accum_prin) + eval(adj_prin_port);
      adj_prin = eval(adj_prin) - eval(adj_prin_port);
      adj_pmt = eval(adj_prin_port) + eval(adj_int_port);
   }

   fix_accum_pmts += fix_pmt;
   adj_accum_pmts += adj_pmt;
   io_accum_pmts += io_pmt;
   io_accum_int += io_pmt;

if(report == 1) {
    pmtRows = "" + pmtRows + "<tr><td align=right><font face='arial'>";
    pmtRows += "<small>" + cnt + "</small></font></td><td align=right>";
    pmtRows += "<font face='arial'><small>$" + formatNumberDec(fix_pmt,2,1) + "</small>";
    pmtRows += "</font></td><td align=right><font face='arial'>";
    pmtRows += "<small>$" + formatNumberDec(fix_prin,2,1) + "</small>";
    pmtRows += "</font></td><td align=right><font face='arial'>";
    pmtRows += "<small>$" + formatNumberDec(adj_pmt,2,1) + "</small>";
    pmtRows += "</font></td><td align=right><font face='arial'>";
    pmtRows += "<small>$" + formatNumberDec(adj_prin,2,1) + "</small>";
    pmtRows += "</font></td><td align=right><font face='arial'>";
    pmtRows += "<small>$" + formatNumberDec(io_pmt,2,1) + "</small>";
    pmtRows += "</font></td><td align=right><font face='arial'>";
    pmtRows += "<small>$" + formatNumberDec(io_prin,2,1) + "</small></font></td></tr>";
}

}

document.calc.fixed_total_pmts.value = "$" + formatNumberDec(fix_accum_pmts,2,1);
document.calc.fixed_total_int.value = "$" + formatNumberDec(fix_accum_int,2,1);
document.calc.fixed_max_pmt.value = "$" + formatNumberDec(Vfixed_pmt,2,1);


document.calc.adj_total_pmts.value = "$" + formatNumberDec(adj_accum_pmts,2,1);
document.calc.adj_total_int.value = "$" + formatNumberDec(adj_accum_int,2,1);
var Vadj_max_pmt = 0;
if(adj_pmt > Vadj_start_pmt) {
   Vadj_max_pmt = adj_pmt;
} else {
   Vadj_max_pmt = Vadj_start_pmt;
}
document.calc.adj_max_pmt.value = "$" + formatNumberDec(Vadj_max_pmt,2,1);

document.calc.io_total_pmts.value = "$" + formatNumberDec(io_accum_pmts,2,1);
document.calc.io_total_int.value = "$" + formatNumberDec(io_accum_int,2,1);
var Vio_max_pmt = 0;
if(io_pmt > Vio_start_pmt) {
   Vio_max_pmt = io_pmt;
} else {
   Vio_max_pmt = Vio_start_pmt;
}
document.calc.io_max_pmt.value = "$" + formatNumberDec(Vio_max_pmt,2,1);

var fix_max_rate = fix_rate;

var adj_max_rate = 0;
if(adj_rate > Vadj_start_rate) {
   adj_max_rate = adj_rate;
} else {
   adj_max_rate = Vadj_start_rate;
}

var io_max_rate = 0;
if(io_rate > Vio_start_rate) {
   io_max_rate = io_rate;
} else {
   io_max_rate = Vio_start_rate;
}

if(report == 1) {

var part1 = "<html><head><title>Amortization Schedule</title>";
part1 += "</head>" + "<body bgcolor= '#FFFFFF'><br><br><center><font face='arial'>";
part1 += "<big><strong>Adjustable Rate Mortgage vs. Fixed Mortgage Summary</strong>";
part1 += "</big></font></center><br>";


var part2 = "<center><table border=1 cellpadding=2 cellspacing=0 bordercolor='#EEEEEE'>";
part2 += "<tr bgcolor='silver'><td colspan='4'><font face='arial'><small>";
part2 += "<b>Comparisons</b></small></font></td><td align='center'>";
part2 += "<font face='arial'><small><b>Fixed Mortgage</b></small></font>";
part2 += "</td><td align='center'><font face='arial'><small><b>";
part2 += "Fully Amortizing ARM</b></small></font></td><td align='center' colspan='2'>";
part2 += "<font face='arial'><small><b>Interest Only ARM</b></small></font></td>";
part2 += "</tr><tr><td colspan=4><font face='arial'><small>Mortgage loan amount:";
part2 += "</small></font></td><td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(Vprincipal,2,1) + "</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(Vprincipal,2,1) + "</small></font>";
part2 += "</td><td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(Vprincipal,2,1) + "</small></font></td></tr>";
part2 += "<tr><td colspan=4><font face='arial'><small>Mortgage term:</small>";
part2 += "</font></td><td align='right'><font face='arial'>";
part2 += "<small>" + VnumYears + " years</small></font></td><td align='right'>";
part2 += "<font face='arial'><small>" + VnumYears + " years</small></font></td>";
part2 += "<td align='right'><font face='arial'><small>" + VnumYears + " years</small>";
part2 += "</font></td></tr><tr><td colspan=4><font face='arial'>";
part2 += "<small>Beginning interest rate:</small></font></td><td align='right'>";
part2 += "<font face='arial'><small>" + formatNumberDec(Vfixed_rate,3,1) + "%</small>";
part2 += "</font></td><td align='right'><font face='arial'>";
part2 += "<small>" + formatNumberDec(Vadj_start_rate,3,1) + "%</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>" + formatNumberDec(Vio_start_rate,3,1) + "%</small></font></td></tr>";
part2 += "<tr><td colspan=4><font face='arial'><small>Maximum interest rate:</small>";
part2 += "</font></td><td align='right'><font face='arial'>";
part2 += "<small>" + formatNumberDec(Vfixed_rate,3,1) + "%</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>" + formatNumberDec(adj_max_rate,3,1) + "%</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>" + formatNumberDec(io_max_rate,3,1) + "%</small></font></td></tr>";
part2 += "<tr><td colspan=4><font face='arial'><small>Beginning monthly payment:</small>";
part2 += "</font></td><td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(Vfixed_pmt,2,1) + "</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(Vadj_start_pmt,2,1) + "</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(Vio_start_pmt,2,1) + "</small></font></td></tr>";
part2 += "<tr><td colspan=4><font face='arial'><small>Maximum monthly payment:";
part2 += "</small></font></td><td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(Vfixed_pmt,2,1) + "</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(Vadj_max_pmt,2,1) + "</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(Vio_max_pmt,2,1) + "</small></font></td></tr>";
part2 += "<tr><td colspan=4><font face='arial'><small>Interest rate cap:</small></font></td>";
part2 += "<td align='right'><font face='arial'><small>N/A</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>" + formatNumberDec(Vadj_rate_cap,3,1) + "%</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>" + formatNumberDec(Vio_rate_cap,3,1) + "%</small></font></td></tr>";
part2 += "<tr><td colspan=4><font face='arial'><small>Expected rate adjustment amount:";
part2 += "</small></font></td><td align='right'><font face='arial'><small>N/A</small>";
part2 += "</font></td><td align='right'><font face='arial'>";
part2 += "<small>" + formatNumberDec(Vadjust_amt,2,1) + "%</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>" + formatNumberDec(Vadjust_amt,2,1) + "%</small></font></td></tr>";
part2 += "<tr><td colspan=4><font face='arial'><small>Initial fixed rate period:</small>";
part2 += "</font></td><td align='right'><font face='arial'><small>N/A</small></font></td>";
part2 += "<td align='right'><font face='arial'><small>" + Vadj_start_months + " months";
part2 += "</small></font></td><td align='right'><font face='arial'>";
part2 += "<small>" + Vio_start_months + " months</small></font></td></tr>";
part2 += "<tr><td colspan=4><font face='arial'><small>Total payments:</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(fix_accum_pmts,2,1) + "</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(adj_accum_pmts,2,1) + "</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(io_accum_pmts,2,1) + "</small></font></td></tr>";
part2 += "<tr><td colspan=4><font face='arial'><small>Total interest:</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(fix_accum_int,2,1) + "</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(adj_accum_int,2,1) + "</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(io_accum_int,2,1) + "</small></font></td></tr>";
part2 += "<tr><td colspan=4><font face='arial'><small>Ending principal balance:</small>";
part2 += "</font></td><td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(fix_prin,2,1) + "</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(adj_prin,2,1) + "</small></font></td>";
part2 += "<td align='right'><font face='arial'>";
part2 += "<small>$" + formatNumberDec(Vprincipal,2,1) + "</small></font></td></tr>";
part2 += "<tr><td colspan=7><center><font face='arial'><b>";
part2 += "Schedule of Payments</b></font><br><font face='arial'><small><small>";
part2 += "Please allow for slight rounding differences.</small></small></font>";
part2 += "</center></td></tr><tr bgcolor='silver'><td align='center'>";
part2 += "<font face='arial'><small><b>Pmt</b></small></font></td>";
part2 += "<td align='center' colspan='2'><font face='arial'><small><b>Fixed Mortgage</b>";
part2 += "</small></font></td><td align='center' colspan='2'><font face='arial'>";
part2 += "<small><b>Fully Amortizing ARM</b></small></font></td>";
part2 += "<td align='center' colspan='2'><font face='arial'><small><b>";
part2 += "Interest Only ARM</b></small></font></td></tr><tr bgcolor='silver'>";
part2 += "<td align='center'><font face='arial'><small><b>#</b></small></font></td>";
part2 += "<td align='center'><font face='arial'><small><b>Payment</b></small></font></td>";
part2 += "<td align='center'><font face='arial'><small><b>Balance</b></small>";
part2 += "</font></td><td align='center'><font face='arial'><small><b>Payment</b>";
part2 += "</small></font></td><td align='center'><font face='arial'><small>";
part2 += "<b>Balance</b></small></font></td><td align='center'>";
part2 += "<font face='arial'><small><b>Payment</b></small></font></td>";
part2 += "<td align='center'><font face='arial'><small><b>Balance</b>";
part2 += "</small></font></td></tr>";



var part3 = ("" + pmtRows + "");



var part4 = "</table><br><center><form method='post'>";
part4 += "<input type='button' value='Close Window' onClick='window.close()'>";
part4 += "</form></center></body></html>";



var schedule = (part1 + "" + part2 + "" + part3 + "" + part4 + "");



  reportWin = window.open("","","width=500,height=400,toolbar=yes,menubar=yes,scrollbars=yes");

  reportWin.document.write(schedule);

  reportWin.document.close();

}


      }
   }

}

function clearResults(form) {

document.calc.fixed_pmt.value = "";
document.calc.fixed_total_pmts.value = "";
document.calc.fixed_total_int.value = "";
document.calc.fixed_max_pmt.value = "";

document.calc.adj_start_pmt.value = "";
document.calc.adj_total_pmts.value = "";
document.calc.adj_total_int.value = "";
document.calc.adj_max_pmt.value = "";

document.calc.io_start_pmt.value = "";
document.calc.io_total_pmts.value = "";
document.calc.io_total_int.value = "";
document.calc.io_max_pmt.value = "";
}