function contains(smstring,lrgstring) {
	//returns true if lrgstring contains smstring.
	strlen1 = smstring.length
	strlen2 = lrgstring.length
	istrue = false	
	for (i=0;i<=strlen2;i++) {
		comp=lrgstring.substring(i-1,strlen2)
		comp = comp.substring(0,strlen1)		
		if (comp == smstring) {
			istrue = true
			break
		}
	}
	return istrue
}

function lcase(str) {
	//returns str in all lowercase letters.
	return str.toLowerCase()
}


function left(str,n) {
	//returns the left n characters from str.
	return str.substring(0,n)
}

function leftOf(smstring,lrgstring) {
	//returns leftmost characters of lrgstring up to smstring.
	//If user passes an empty string, change that to a space.
	if (smstring == ""){smstring = " "}
	strlen1 = smstring.length
	strlen2 = lrgstring.length
	foundat = 0
	for (i=0;i<=strlen2;i++) {
		comp=lrgstring.substring(i-1,strlen2)
		comp = comp.substring(0,strlen1)		
		if (comp == smstring) {
			foundat = i
			break
		}
	}
	return lrgstring.substring(0,(foundat-1))
}

function mid(str,start,n) {
	//returns a substring of str starting at 'start' that's n characters long.
	strlen = str.length
	var jj = str.substring(start-1,strlen)
	jj = jj.substring(0,n)
	return jj
}

function pcase(str) {
	//returns str in proper-noun case (first letter uppercase)
	strlen = str.length
	jj = str.substring(0,1).toUpperCase()
	jj = jj + str.substring(1,strlen).toLowerCase()
	for (i = 2; i <= strlen; i++) {
		if (jj.charAt(i)==" ") {
			lefthalf = jj.substring(0,i+1)
			righthalf = jj.substring(i+1,strlen)
			righthalf = righthalf.substring(0,1).toUpperCase()+righthalf.substring(1,strlen)
			jj=lefthalf+righthalf
		}
	}
	return jj
}

function right(str,n) {
	//returns the right n characters of str
	strlen = str.length
	return str.substring(strlen-n,strlen)
}

function rightOf(smstring,lrgstring) {
	//returns the rightmost characters of lrgstring back to smstring.
	//If user passes an empty string, change that to a space.
	if (smstring == ""){smstring = " "}
	strlen1 = smstring.length
	strlen2 = lrgstring.length
	foundat = 0
	for (i=strlen2;i>=0;i--) {
		comp=lrgstring.substring(i-1,strlen2)
		comp = comp.substring(0,strlen1)		
		if (comp == smstring) {
			foundat = i
			break
		}
	}
	return lrgstring.substring(foundat,255)
}


function spot(smstring,lrgstring) {
	//returns a number indicating the spot where smstring appears in lrgstring.
	strlen1 = smstring.length
	strlen2 = lrgstring.length
	foundat = 0
	for (i=0;i<=strlen2;i++) {
		comp=lrgstring.substring(i-1,strlen2)
		comp = comp.substring(0,strlen1)		
		if (comp == smstring) {
			foundat = i
			break
		}
	}
	return foundat
}



function ucase(str) {
	//returns str in all uppercase letters.
	return str.toUpperCase()
}



function JSRecalc()

{
	form = document.form1
	preLoanAmount= form.LoanAmount.value
		if (contains(",",preLoanAmount)) {
		   firstLoanAmount = leftOf(",",preLoanAmount)
		   secondLoanAmount = rightOf(",",preLoanAmount)
		   preLoanAmount = (firstLoanAmount + secondLoanAmount)
		}
	preDownPayment=  form.DownPayment.value
		if (contains(",",preDownPayment)) {
		   firstDownPayment = leftOf(",",preDownPayment)
		   secondDownPayment = rightOf(",",preDownPayment)
		   preDownPayment = (firstDownPayment + secondDownPayment)
		}
	LoanAmount= (preLoanAmount)
	DownPayment= parseInt(preDownPayment)
	if (DownPayment == "")  {
		DownPayment = "0"
	}
	if (LoanAmount == "")  {
		LoanAmount = "0"
	}

	AnnualInterestRate = form.InterestRate.value/100

	Years= form.NumberOfYears.value
	
	MonthRate=AnnualInterestRate/12
	NumPayments=Years*12
	Prin=LoanAmount-DownPayment
	
	MonthPayment=Math.floor((Prin*MonthRate)/(1-Math.pow((1+MonthRate),(-1*NumPayments)))*100)/100
	
	form.NumberOfPayments.value=NumPayments
	form.MonthlyPayment.value=MonthPayment
}