function pagePreLoader(location) {
	preloadImages(location);
}
function preloadImages(location) {
	if (location == "index") {
		MM_preloadImages('buttons/btn_home_over.gif','buttons/btn_whywerebetter_over.gif','buttons/btn_howtoqualify_over.gif','buttons/btn_typesofmortgages_over.gif','buttons/btn_firsttimebuyers_over.gif','buttons/btn_contactus_over.gif','buttons/btn_freecredit_over.gif','buttons/btn_creditsolutions_over.gif','buttons/btn_mortgagecalculator_over.gif','buttons/btn_linksandpartners_over.gif','buttons/btn_testimonials_over.gif','buttons/btn_applyonline_over.gif');
	} else {
		MM_preloadImages('../buttons/btn_home_over.gif','../buttons/btn_whywerebetter_over.gif','../buttons/btn_howtoqualify_over.gif','../buttons/btn_typesofmortgages_over.gif','../buttons/btn_firsttimebuyers_over.gif','../buttons/btn_contactus_over.gif','../buttons/btn_freecredit_over.gif','../buttons/btn_creditsolutions_over.gif','../buttons/btn_mortgagecalculator_over.gif','../buttons/btn_linksandpartners_over.gif','../buttons/btn_testimonials_over.gif','../buttons/btn_applyonline_over.gif');
	}
}
function swapNavBarImage(whichImage,location) {
	var button = "btn_" + whichImage;
	if (location == "index") {
		var image = "buttons/btn_" + whichImage + "_over.gif";
	} else {
		var image = "../buttons/btn_" + whichImage + "_over.gif";
	}
	MM_nbGroup('down','group1',button,image,1);
}

//MACROMEDIA GLOBAL FUNCTIONS
function MM_preloadImages() { //v3.0
  var d=document; if(d.images){ if(!d.MM_p) d.MM_p=new Array();
    var i,j=d.MM_p.length,a=MM_preloadImages.arguments; for(i=0; i<a.length; i++)
    if (a[i].indexOf("#")!=0){ d.MM_p[j]=new Image; d.MM_p[j++].src=a[i];}}
}

function MM_findObj(n, d) { //v4.01
  var p,i,x;  if(!d) d=document; if((p=n.indexOf("?"))>0&&parent.frames.length) {
    d=parent.frames[n.substring(p+1)].document; n=n.substring(0,p);}
  if(!(x=d[n])&&d.all) x=d.all[n]; for (i=0;!x&&i<d.forms.length;i++) x=d.forms[i][n];
  for(i=0;!x&&d.layers&&i<d.layers.length;i++) x=MM_findObj(n,d.layers[i].document);
  if(!x && d.getElementById) x=d.getElementById(n); return x;
}

function MM_nbGroup(event, grpName) { //v6.0
  var i,img,nbArr,args=MM_nbGroup.arguments;
  if (event == "init" && args.length > 2) {
    if ((img = MM_findObj(args[2])) != null && !img.MM_init) {
      img.MM_init = true; img.MM_up = args[3]; img.MM_dn = img.src;
      if ((nbArr = document[grpName]) == null) nbArr = document[grpName] = new Array();
      nbArr[nbArr.length] = img;
      for (i=4; i < args.length-1; i+=2) if ((img = MM_findObj(args[i])) != null) {
        if (!img.MM_up) img.MM_up = img.src;
        img.src = img.MM_dn = args[i+1];
        nbArr[nbArr.length] = img;
    } }
  } else if (event == "over") {
    document.MM_nbOver = nbArr = new Array();
    for (i=1; i < args.length-1; i+=3) if ((img = MM_findObj(args[i])) != null) {
      if (!img.MM_up) img.MM_up = img.src;
      img.src = (img.MM_dn && args[i+2]) ? args[i+2] : ((args[i+1])? args[i+1] : img.MM_up);
      nbArr[nbArr.length] = img;
    }
  } else if (event == "out" ) {
    for (i=0; i < document.MM_nbOver.length; i++) {
      img = document.MM_nbOver[i]; img.src = (img.MM_dn) ? img.MM_dn : img.MM_up; }
  } else if (event == "down") {
    nbArr = document[grpName];
    if (nbArr)
      for (i=0; i < nbArr.length; i++) { img=nbArr[i]; img.src = img.MM_up; img.MM_dn = 0; }
    document[grpName] = nbArr = new Array();
    for (i=2; i < args.length-1; i+=2) if ((img = MM_findObj(args[i])) != null) {
      if (!img.MM_up) img.MM_up = img.src;
      img.src = img.MM_dn = (args[i+1])? args[i+1] : img.MM_up;
      nbArr[nbArr.length] = img;
  } }
}

/** new functions **/

function isEmail(elm) {
		 if (elm.value.indexOf("@") != "-1" &&
		 elm.value.indexOf(".") != "-1" &&
		 elm.value != "")
	return true;
	else return false;
}

function isFilled(elm) {
		 if(elm.value=="" ||
		 elm.value== null)
	return false;
	else return true;
}

function isInt(elm) {
	var elmstr = elm.value + "";
	if (elmstr == "") return false;
	for (var i=0; i < elmstr.length; i++) {
		if (elmstr.charAt(i) < "0" || elmstr.charAt(i) > "9") {
			return false;
		}
	}
	return true;
}

function isInt2(elm) {
	var elmstr = elm + "";
	if (elmstr == "") return false;
	for (var i=0; i < elmstr.length; i++) {
		if (elmstr.charAt(i) < "0" || elmstr.charAt(i) > "9") {
			return false;
		}
	}
	return true;
}

function isNumber(elm) {
var elmstr = elm.value + "";
	if (elmstr == "") return false;
	for (var i=0; i <elmstr.length; i++) {
		if ((elmstr.charAt(i) < "0" ||
		elmstr.charAt(i) > "9") &&
		(elmstr.charAt(i) != ","))
		 {
	return false;
	}
	}
return true;
}

function OpenWin(page,width,height) {
	var test;
	window.open(page,"","resizeable,width=" + width + ",height=" + height + ",scrollbars");
}
// ARM CAlculator
  function showHideText(txt){
    var msgBox = document.getElementById('msg');
    msgBox.innerHTML = txt;
  }

  function calculate(){
    //inputs
    var LoanAmount = document.getElementById('LoanAmount');
    var Margin = document.getElementById('Margin');
    var CurrentIndex = document.getElementById('CurrentIndex');
    var IndexMargin = (1*toNumber(Margin.value) + 1*toNumber(CurrentIndex.value));
    var StartRate = document.getElementById('StartRate');
    var LoanTerm30 = 30;
    var LoanTerm40 = 40;
    var LoanTerm15 = 15;

    LoanAmount.value = toNumber(LoanAmount.value);
    Margin.value = toNumber(Margin.value);
    CurrentIndex.value = toNumber(CurrentIndex.value);
    StartRate.value = toNumber(StartRate.value);

    //outputs
    var IndexMarginDisplay = document.getElementById('IndexMargin');
    var MinPayment = document.getElementById('MinPayment');
    var InterestOnlyPayment = document.getElementById('InterestOnlyPayment');
    var FullPayment = document.getElementById('FullPayment');
    var Payment40 = document.getElementById('YearPayment40');
    var Payment15 = document.getElementById('YearPayment15');

   //output margin + index
   IndexMarginDisplay.innerHTML = IndexMargin;

   //compute min monthly payment
    var MinPaymentCalc = compute_payment(LoanAmount.value, StartRate.value, 12*LoanTerm30, 12);

    //compute the interest only payment
    var IOPayment = (LoanAmount.value * IndexMargin) / 12 / 100;
    InterestOnlyPayment.innerHTML = formatAsMoney(IOPayment);

    //compute full payment
    var FullPaymentCalc = compute_payment(LoanAmount.value, IndexMargin, 12*LoanTerm30, 12);

    //compute full payment
    var Payment40Calc = compute_payment(LoanAmount.value, IndexMargin, 12*LoanTerm40, 12);
    Payment40.innerHTML = formatAsMoney(Payment40Calc);

    //compute full payment
    var Payment15Calc = compute_payment(LoanAmount.value, IndexMargin, 12*LoanTerm15, 12);
    Payment15.innerHTML = formatAsMoney(Payment15Calc);

    //compute the 5 year min payments and monthly savings
    var Yr1Min = document.getElementById('Yr1Min');
    var Yr1Savings = document.getElementById('Yr1Savings');
    var Yr1fixed30 = document.getElementById('Yr1fixed30');
    Yr1MinCalc = MinPaymentCalc;
    Yr1Min.innerHTML = formatAsMoney(Yr1MinCalc);
    Yr1Savings.innerHTML = formatAsMoney(FullPaymentCalc - Yr1MinCalc);
    Yr1fixed30.innerHTML = formatAsMoney(FullPaymentCalc);
    lastYrVal = Yr1MinCalc;

    for(i = 2; i <= 5; i++){
      eval('var Yr'+i+'Min = document.getElementById(\'Yr'+i+'Min\');');
      eval('var Yr'+i+'Savings = document.getElementById(\'Yr'+i+'Savings\');');
      eval('var Yr'+i+'fixed30 = document.getElementById(\'Yr'+i+'fixed30\');');
      eval('var Yr'+i+'MinCalc = lastYrVal * 1.075;');
      eval('Yr'+i+'Min.innerHTML = formatAsMoney(Yr'+i+'MinCalc);');
      eval('Yr'+i+'Savings.innerHTML = formatAsMoney(FullPaymentCalc - Yr'+i+'MinCalc);');
      eval('Yr'+i+'fixed30.innerHTML = formatAsMoney(FullPaymentCalc);');
      eval('lastYrVal = Yr'+i+'MinCalc;');
    }
  }

  function computeFullyIndexed(objField){
    var returnvar = false;
    returnvar = checkField(objField,'Float',true);
    if(returnvar) {
      var Margin = document.getElementById('Margin');
      var CurrentIndex = document.getElementById('CurrentIndex');
      var IndexMargin = document.getElementById('IndexMargin');
      IndexMargin.innerHTML = 1*toNumber(Margin.value) + 1*toNumber(CurrentIndex.value);
    }
  }

  function formatAsMoney(mnt) {
    mnt -= 0;
    mnt = (Math.round(mnt*100))/100;
    return (mnt == Math.floor(mnt)) ? mnt + '.00'
              : ( (mnt*10 == Math.floor(mnt*10)) ?
                       mnt + '0' : mnt);
  }

  function toNumber(fnum){
    var strBuffer = new String(fnum);
    var rString = '';
    var periodCount = 0;
    for (nPos = 0; nPos < strBuffer.length; nPos++){
        if ((strBuffer.charAt(nPos) >= '0' && strBuffer.charAt(nPos) <= '9') ||
            strBuffer.charAt(nPos) == '.'){
          if(strBuffer.charAt(nPos) == ','){
            periodCount++;
          }
          if(periodCount > 1){
            return 1*rString;
          }
          rString += strBuffer.charAt(nPos);
        }
    }
    return 1*rString;
  }