<!--
function parseString(string)
{
  var numChars = string.length;
  var N;
  var newString = ' '
  for(N = 0; N <= numChars - 1; N++)
   {
    if (string.charAt(N) != ',')
	 newString = newString + string.charAt(N);
   }
   newString.valueOf();

  return newString;
 }



function calculateTime(balance, payment, interest, charges, fee, form)

{
  balance = parseString(balance);

  var i = (interest / 100) / 12;
  var b = balance;
  var p = payment - charges;

  if (((i*b)/p) >= 1)
    //alert('Your current payment and charges will lead to negative amortization. Please enter a different payment');
    alert('The future payment and charges you entered will lead to negative amortization. Please enter a larger monthly payment amount.');

  var term = Math.ceil((-1 * Math.log(1- (i * b) / p)/Math.log(1 + i)));

  var numYears = (parseInt(term)) / 12;

  b = parseInt(b) + (numYears * fee);

  term = Math.ceil((-1 * Math.log(1- (i * b) / p)/Math.log(1 + i)));

  var totalPayoff = payment * term;

  var interestSaved = totalPayoff - balance;

  form.balance.value = balance;

  form.current.value = payment;

  form.months.value = term;

  return term;
}



function calculatePayment(balance, months, interest, charges, fee, form)

{
  balance = parseString(balance);

  var n = months;
  var b = parseInt(balance) + ((months / 12) * fee);

  if (months <= 12)
   b = parseInt(b) + parseInt(fee);

  var i = (interest / 100) / 12;


  var payment = Math.ceil(b * (i / (1 - (Math.pow((1 + i), (-1 * n) )))));

  form.desired.value = months;

  form.monthly.value = parseInt(payment) + parseInt(charges);

  return payment;
}


function calculate(balance, payment, interest, charges, fee, months, form)

{
if (payment>balance)
{
alert("Future monthly payments is greater then Current balance. so re-enter and calculate");
}
  calculateTime(balance, payment, interest, charges, fee, form);

  calculatePayment(balance, months, interest, charges, fee, form);

}

-->