<!-- hide this script tag's contents from old browsers

                function displayPercent(numbertoconvert) {
                    return numbertoconvert + "%";
                }

                function clearPrice() {
                   if (self.name == "") {
                      // self.document.mortgageForm.saleprice.value = 100000
                   } else {
                                if (self.name == "0") {
                                        self.document.mortgageForm.saleprice.value = ""
                                } else {
                                        self.document.mortgageForm.saleprice.value = "<? echo $listing_price; ?>"
                                }
                   }
                }

                function displayDollarRight(numberToConvert) {
                    var numberString = "" + numberToConvert;
                    var numberLength = numberString.length;

                    //  add comma's
                    var commaHolder = 0;
                    var newNumberString = "";
                    for (var i = numberLength-1; i >= 0; i--) {
                        commaHolder++;
                        if (commaHolder > 3) {
                            newNumberString = "," + newNumberString;
                            commaHolder = 1;
                        }
                        newNumberString = numberString.charAt(i) + newNumberString;
                        if (numberString.charAt(i) == ".") commaHolder = 0;
                    }
                    numberLength = newNumberString.length
                    for (var i = numberLength; i < 9; i++) {
                        newNumberString = "" + newNumberString;
                    }
                    newNumberString = "$" + newNumberString;
                    return newNumberString
                }

                function restoreDefault(selection) {
                   for (var i = 0; i < selection.length; i++) {
                      if (selection.options[i].defaultSelected == true) {
                         selection.options[i].selected=true
                      }
                   }
                }

                function computeForm(form)
                {

                //display sale price

                var selectedPrice = self.document.mortgageForm.saleprice.value;
                var housePrice = Math.floor(self.document.mortgageForm.saleprice.value);
                self.document.mortgageForm.salepriceout.value =  displayDollarRight(housePrice);

                // calculate downpayment

		downpaymentIndex = self.document.mortgageForm.downpayment.selectedIndex;
                var downpaymentPercent = self.document.mortgageForm.downpayment[downpaymentIndex].value
                self.document.mortgageForm.downpaymentout.value = displayPercent(downpaymentPercent*100);
                var downpaymentAmount = Math.round(housePrice * downpaymentPercent);
                self.document.mortgageForm.downpaymentamount.value = displayDollarRight(downpaymentAmount);

                var principal = Math.round(housePrice - downpaymentAmount);

                self.document.mortgageForm.mortgageamount.value = displayDollarRight(principal);

		paymentIndex = self.document.mortgageForm.payments.selectedIndex;
                var years = (self.document.mortgageForm.payments[paymentIndex].checked) ? self.document.mortgageForm.payments[paymentIndex].value: self.document.mortgageForm.payments[paymentIndex].value;
                self.document.mortgageForm.termout.value = years + " years";

                var interestRate, interestRateText, interestRateSelected;
                interestRateSelected = self.document.mortgageForm.interest1.selectedIndex;
                interestRate = parseFloat(self.document.mortgageForm.interest1.options[interestRateSelected].text);
                interestRateText = self.document.mortgageForm.interest1.options[interestRateSelected].text;
                interestRateSelected = self.document.mortgageForm.interest2.selectedIndex;
                interestRate = (interestRate + parseFloat(self.document.mortgageForm.interest2.options[interestRateSelected].value));
                interestRateText = interestRateText + " " + self.document.mortgageForm.interest2.options[interestRateSelected].text;
                self.document.mortgageForm.rateout.value = displayPercent(interestRate);

                    interestRate /= 1200;
                    var pow = 1;
                    for (var j = 0; j < (years*12); j++)
                        pow = pow * (1 + interestRate);

                    var monthpay = (principal * pow * interestRate) / (pow - 1);
                    monthpay = formatCents(monthpay);
                    self.document.mortgageForm.payment.value = displayDollarRight(monthpay)


		var hotirtype = self.document.mortgageForm.hotirtype.options[self.document.mortgageForm.hotirtype.selectedIndex].value;
		switch (hotirtype){
		 	case"ionly":
				 var hotval = (principal * .0325) / 12;
			break
			case"optionpay":
				var term = 30;
				var intr   = 1.95 / 1200;
				var hotval = principal * intr / (1 - (Math.pow(1/(1 + intr), (term*12))));
			break
			case"3yrarm":
				var hotval = (principal * .0425) / 12;
			break
			case"5yrarm":
				var hotval = (principal * .0475) / 12;
			break
			case"7reset":
				var term = 30;
				var intr   = 5.0 / 1200;
				var hotval = principal * intr / (1 - (Math.pow(1/(1 + intr), (term*12))));
			break
		}
		self.document.mortgageForm.hotoption_payment.value = displayDollarRight(formatCents(hotval));
		self.document.mortgageForm.hotoption_savings.value = displayDollarRight(formatCents(monthpay - hotval));

                }

                function formatCents(amount)  {
                    var cents = Math.round((amount - Math.floor(amount)) * 100)

                //  format the cents to avoid rounding errors

                    cents = (cents == 100) ? "00" : "" + cents
                    cents = (cents.length != 1) ? cents : cents + "0"

                    return Math.floor(amount) + "." + cents
                }


                function clearForm(form)
                {
                    form.salepriceout.value = "";
                    form.downpaymentout.value = "";
                    form.downpaymentamount.value = "";
                    form.mortgageamount.value = "";
                    form.termout.value = "";
                    form.rateout.value = "";
                    form.payment.value = "";
                    clearPrice();
                    restoreDefault(form.interest1);
                    restoreDefault(form.interest2);
                }

                <!-- done hiding from old browsers -->
                
                
<!--

        /*   This Javascript calculates the mortgage rate
         *   from user defined principal, interest, and 
         *   the number of months for amortization.
         *
         *   It uses the formula:
         *
         *   M = P * ((I/1200)/(1-(1+(I/1200)^-N))
         *
         *   written by Nathan Scott --- 3/5/97
        */

function doform(form)  {
    
        // Pulls info from the form
        P=form.price.value - form.down.value;
        I=form.rate.value;
        T=  (form.tax.value/12) + (form.insurance.value/12) ;
        N=form.term[form.term.selectedIndex].value;
        
        //P = P + (T * N)
        N = N * 12;
        J = I/1200;  N;  S = J + 1;  
        W = J;

        V=Math.pow(S, -N);
        V = 1 - V;

        Q = W/V;
        M = P*Q;
        
        M = M + T
        M = Math.floor(M * 100)/100;
        //M = Math.round(M);
       
        THREE = M * 12 * 3.03030303;
        SIX = M * 12 * 2.777777777777;
        form.answer.value=M;
        SIX = Math.round(SIX);
        form.six.value=SIX;
        THREE = Math.round(THREE);
        form.three.value=THREE;
}   

function doform2(form)  {
    
        // Pulls info from the form
        P = form.payment0.value *1;
        P += form.payment1.value * 1;
        P += form.payment2.value * 1;
        P += form.payment3.value * 1;
        P += form.payment4.value * 1;
        P += form.payment5.value * 1;
        P += form.payment6.value * 1;

        I = form.income0.value * 1; 
        I += form.income1.value * 1;
        I += form.income2.value * 1;
        I += form.income3.value * 1; 
        I += form.income4.value * 1;
        I += form.income5.value * 1;
        I += form.income6.value * 1;
        I += form.income7.value * 1; 
        I += form.income8.value * 1;
        I += form.income9.value * 1;   

        if (form.ratio[0].checked) {
          L=0.25; H=0.33;
        } else {
          L=0.28; H=0.36;
        }

        form.ratio2.value=Math.round((I * H) - P);
        form.ratio1.value=Math.round(I * L);
        if (form.ratio1.value < form.ratio2.value) {
            form.mpayment.value=form.ratio1.value;
        } else {
           form.mpayment.value=form.ratio2.value;
        }
         
}   

if (document.images)
{
}

function imgOn(imgName)
{
	if (document.images)
		document[imgName].src = eval(imgName + "on.src");
}

function imgOff(imgName)
{
	if (document.images)
		document[imgName].src = eval(imgName + "off.src");
}

// -->