function reCalcPmt(form,bLink){

		

		var iRate 

		var dPmt

		var lPrice

		var dAmt

		var lTerm = 30

		var mPmt 

		var tempVal =""

		var lAmt

		var strAlert = "You must indicate:  "

		var exp = new Date()

		var now = new Date()

		var blnProb = false

		

		exp.setTime(now.getTime() + (365*24*60*60*1000))

		

		//iRate= form.iRate.options[form.iRate.selectedIndex].value

		//dPmt = form.dPmt.options[form.dPmt.selectedIndex].value

		lPrice = form.lPrice.value

		iRate = form.iRate.value

		dPmt = form.dPmt.value



		//Check if any of the fields are empty

		if (iRate!="" && dPmt!="" && lPrice!=""){



			//clean the Price field - strip everything but the number

			if (lPrice.indexOf(".")!=-1)lPrice=lPrice.substring(0,lPrice.indexOf("."))

			for (var i=0;i<lPrice.length;i++){

				if (lPrice.charCodeAt(i)>45 && lPrice.charCodeAt(i)<58 && iRate.charCodeAt(i)!=47){

					tempVal+=lPrice.charAt(i);

				}

			}

			if (lPrice != tempVal)form.lPrice.value=makeMoney(parseFloat(tempVal));

			lPrice = tempVal

			tempVal = ""

			

			//clean the Interest Rate field - strip everything but the number

			for (var i=0;i<iRate.length;i++){

				if (iRate.charCodeAt(i)>45 && iRate.charCodeAt(i)<58 && iRate.charCodeAt(i)!=47){

					tempVal+=iRate.charAt(i);

				}

			}

			if (iRate != tempVal)form.iRate.value=tempVal;

			iRate = tempVal

			tempVal = ""

			

			//clean the Down Payment field - strip everything but the number

			for (var i=0;i<dPmt.length;i++){

				if (dPmt.charCodeAt(i)>45 && dPmt.charCodeAt(i)<58 && dPmt.charCodeAt(i)!=47){

					tempVal+=dPmt.charAt(i);

				}

			}

			if (dPmt != tempVal)form.dPmt.value=tempVal;

			dPmt = tempVal

			tempVal = ""

			

			//cookie in the interest rate and down payment

			document.cookie = "MortCalc=iRate\=" + iRate + "&dPmt\=" + dPmt + "; expires=" + exp.toGMTString() + "; path=/"

			

			//convert to floats

			iRate= parseFloat(iRate)

			dPmt = parseFloat(dPmt)

			lPrice = parseFloat(lPrice)

			

			//Make sure percentages are not greater than 100

			if (iRate>100.0){

				alert("You have entered an invalid interest rate")

				form.iRate.value=""

				form.iRate.focus()

				blnProb=true

			}

			

			if (dPmt>100.0 && !blnProb){

				if(confirm("You have entered a down payment percentage greater than 100%.\n\nIs " + makeMoney(dPmt) + " the amount that you wish to use as your down payment?")){

					dAmt=dPmt

					dPmt=(dPmt/lPrice)*100

					//round this number to two decimal places

					dPmt=Math.round(dPmt*Math.pow(10,2))/Math.pow(10,2)

					//re-cookie in the revised interest rate and down payment

					document.cookie = "MortCalc=iRate\=" + iRate + "&dPmt\=" + dPmt + "; expires=" + exp.toGMTString() + "; path=/"

					form.dPmt.value=dPmt

				}else{

					form.dPmt.value=""

					form.dPmt.focus()

					blnProb=true

				}

			}else{

				dAmt=Math.round(dPmt*lPrice/100)

			}

			

			if (!blnProb){

				//Indicate the dollar amount

				dAmount.innerHTML= makeMoney(dAmt) 

				form.dAmount.value=dAmt;

				

				//Convert Percentages to Numbers

				iRate= iRate/100

				dPmt = dPmt/100

					

				//get Loan Amount

				lAmt = lPrice - dPmt*lPrice



				//alright we have valid numbers - lets calculate the monthly payment

				mPmt = makeMoney(PV(lAmt, iRate, lTerm))

				monthlyPmt.innerHTML="<b>" + mPmt + "<?b>";

				form.monthlyPmt.value=mPmt;

			}

		}else if(bLink){

			if(lPrice==""){

				strAlert+="A List Price";

				if(dPmt=="")strAlert+=", " + "A Down Payment";

				if(iRate=="")strAlert+=", " + "An Interest Rate";

			}else{

				if(dPmt=="")strAlert+="A Down Payment"+", ";

				if(iRate=="")strAlert+="An Interest Rate";

			}

			alert(strAlert)

		}

		

	}

	

	function PV(loan_amount, rate, years) {

		var payment=0;

		var payment_count = years * 12;

		payment = loan_amount / ((1-(1/Math.pow((1+(rate/12)),payment_count)))/(rate/12));

		payment = parseInt(payment);

		return payment;

	}

	function makeMoney (number) {

		var sStr = "";

		sStr += number;

		var moneyval = "$";

		var i;

		for (i=0; i < sStr.length; i++) {

			j=i+1;

			moneyval += sStr.substring(i,j);

			if (number == Math.round(number)) { 

				pos = sStr.length-j;

			}

			else {

				pos = sStr.length-3-j;

			}

			tmp = Math.round(pos/3);

			if (pos == tmp*3 && pos != 0) moneyval+=",";

		}

		return moneyval;

	}