var factors=new Array();
factors[0]=new Array();
factors[0][0]=new Array(84.69,84.81,84.92,85.04,85.15,85.26,85.38,85.49,85.61,85.72,85.84,85.95,86.07,86.18,86.30,86.41,86.53,86.64,86.76,86.87,86.99,87.10,87.22,87.34,87.45,87.57,87.68,87.80,87.92);
factors[0][1]=new Array(42.98,43.09,43.20,43.31,43.42,43.54,43.65,43.76,43.87,43.98,44.10,44.21,44.32,44.43,44.55,44.66,44.77,44.89,45.00,45.11,45.23,45.34,45.46,45.57,45.68,45.80,45.91,46.03,46.14);
factors[0][2]=new Array(29.08,29.19,29.30,29.41,29.52,29.64,29.75,29.86,29.97,30.08,30.20,30.31,30.42,30.54,30.65,30.76,30.88,30.99,31.11,31.22,31.34,31.45,31.57,31.68,31.80,31.92,32.03,32.15,32.27);
factors[0][3]=new Array(22.13,22.24,22.36,22.47,22.58,22.69,22.80,22.92,23.03,23.14,23.26,23.37,23.49,23.60,23.71,23.83,23.95,24.06,24.18,24.30,24.41,24.53,24.65,24.77,24.89,25.00,25.12,25.24,25.36);
factors[0][4]=new Array(17.97,18.08,18.19,18.30,18.42,18.53,18.64,18.76,18.87,18.99,19.10,19.22,19.33,19.45,19.57,19.68,19.80,19.92,20.04,20.16,20.28,20.40,20.52,20.64,20.76,20.88,21.00,21.12,21.25);
factors[0][5]=new Array(15.19,15.31,15.42,15.53,15.65,15.76,15.87,15.99,16.10,16.22,16.34,16.46,16.57,16.69,16.81,16.93,17.05,17.17,17.29,17.41,17.53,17.66,17.78,17.90,18.03,18.15,18.27,18.40,18.53);
factors[0][6]=new Array(13.21,13.33,13.44,13.55,13.67,13.78,13.90,14.02,14.13,14.25,14.37,14.49,14.61,14.73,14.85,14.97,15.09,15.22,15.34,15.46,15.59,15.71,15.84,15.96,16.09,16.22,16.34,16.47,16.60);
factors[0][7]=new Array(11.73,11.84,11.96,12.07,12.19,12.31,12.42,12.54,12.66,12.78,12.90,13.02,13.14,13.26,13.39,13.51,13.63,13.76,13.88,14.01,14.14,14.26,14.39,14.52,14.65,14.78,14.91,15.04,15.17);
factors[0][8]=new Array(10.58,10.69,10.81,10.92,11.04,11.16,11.28,11.40,11.52,11.64,11.76,11.88,12.01,12.13,12.25,12.38,12.51,12.63,12.76,12.89,13.02,13.15,13.28,13.41,13.54,13.68,13.81,13.94,14.08);
factors[0][9]=new Array(9.66,9.77,9.89,10.01,10.12,10.24,10.36,10.48,10.61,10.73,10.85,10.98,11.10,11.23,11.35,11.48,11.61,11.74,11.87,12.00,12.13,12.27,12.40,12.53,12.67,12.80,12.94,13.08,13.22);
/*
factors[0][0]=new Array(84.70,84.82,84.93,85.04,85.16,85.27,85.39,85.50,85.67,85.73,85.85,85.96,86.07,86.18,86.29,86.41,86.52,86.64,86.75,86.87,86.99,87.10,87.22,87.33,87.45,87.56,87.68,87.79,87.91);
factors[0][1]=new Array(42.99,43.10,43.21,43.32,43.43,43.54,43.66,43.77,43.88,43.99,44.10,44.22,44.32,44.44,44.55,44.66,44.77,44.89,45.00,45.11,45.23,45.34,45.46,45.57,45.69,45.80,45.92,46.03,46.14);
factors[0][2]=new Array(29.09,29.20,29.31,29.42,29.53,29.64,29.75,29.87,29.98,30.09,30.20,30.32,30.42,30.54,30.65,30.76,30.88,30.99,31.11,31.22,31.34,31.45,31.57,31.68,31.80,31.92,32.03,32.15,32.27);
factors[0][3]=new Array(22.14,22.25,22.36,22.47,22.59,22.70,22.81,22.92,23.04,23.15,23.26,23.38,23.49,23.60,23.72,23.83,23.95,24.07,24.18,24.30,24.42,24.53,24.65,24.77,24.89,25.01,25.13,25.25,25.36);
factors[0][4]=new Array(17.97,18.09,18.20,18.31,18.42,18.54,18.65,18.76,18.88,18.99,19.11,19.22,19.34,19.45,19.57,19.69,19.80,19.92,20.04,20.16,20.28,20.40,20.52,20.64,20.76,20.88,21.00,21.13,21.25);
*/

factors[1]=new Array();
factors[1][0]=new Array(113.61,113.82,114.04,114.25,114.46,114.67,114.88,115.09,115.30,115.52,115.73,115.94,116.15,116.37,116.58,116.80,117.01,117.22,117.44,117.65,117.87,118.08,118.30,118.52,118.73,118.95,119.16,119.38,119.60);
factors[1][1]=new Array(49.42,49.57,49.73,49.88,50.03,50.19,50.34,50.50,50.65,50.81,50.96,51.12,51.27,51.43,51.59,51.74,51.90,52.06,52.22,52.38,52.53,52.69,52.85,53.01,53.17,53.33,53.50,53.66,53.82);
factors[1][2]=new Array(31.92,32.06,32.20,32.33,32.47,32.61,32.75,32.89,33.03,33.17,33.31,33.46,33.60,33.74,33.88,34.03,34.17,34.31,34.46,34.60,34.75,34.90,35.04,35.19,35.34,35.48,35.63,35.78,35.93);
factors[1][3]=new Array(23.76,23.89,24.02,24.15,24.28,24.42,24.55,24.68,24.82,24.95,25.09,25.23,25.36,25.50,25.64,25.77,25.91,26.05,26.19,26.33,26.47,26.62,26.76,26.90,27.04,27.19,27.33,27.47,27.62);
factors[1][4]=new Array(19.03,19.16,19.29,19.42,19.55,19.68,19.81,19.94,20.07,20.20,20.34,20.47,20.60,20.74,20.88,21.01,21.15,21.29,21.42,21.56,21.70,21.84,21.98,22.12,22.26,22.41,22.55,22.69,22.84);
factors[1][5]=new Array(15.95,16.08,16.21,16.33,16.46,16.59,16.72,16.85,16.98,17.11,17.24,17.38,17.51,17.65,17.78,17.92,18.05,18.19,18.33,18.47,18.60,18.74,18.89,19.03,19.17,19.31,19.45,19.60,19.74);
factors[1][6]=new Array(13.79,13.91,14.04,14.17,14.29,14.42,14.55,14.68,14.81,14.94,15.07,15.21,15.34,15.48,15.61,15.75,15.88,16.02,16.16,16.30,16.44,16.58,16.72,16.86,17.01,17.15,17.30,17.44,17.59);
factors[1][7]=new Array(12.18,12.31,12.43,12.56,12.69,12.82,12.95,13.08,13.21,13.34,13.47,13.60,13.74,13.87,14.01,14.15,14.28,14.42,14.56,14.70,14.84,14.99,15.13,15.27,15.42,15.56,15.71,15.86,16.00);
factors[1][8]=new Array(10.95,11.07,11.20,11.32,11.45,11.58,11.71,11.84,11.97,12.10,12.24,12.37,12.51,12.64,12.78,12.92,13.06,13.20,13.34,13.48,13.62,13.77,13.91,14.06,14.20,14.35,14.50,14.65,14.80);
factors[1][9]=new Array(9.97,10.09,10.22,10.34,10.47,10.60,10.73,10.86,10.99,11.13,11.26,11.40,11.53,11.67,11.81,11.95,12.09,12.23,12.37,12.52,12.66,12.81,12.95,13.10,13.25,13.40,13.55,13.70,13.85);
/*
factors[1][0]=new Array(113.35,113.54,113.73,113.92,114.11,114.29,114.48,114.67,114.86,115.05,115.24,115.43,115.58,115.77,115.96,116.15,116.33,116.53,116.71,116.91,117.10,117.29,117.48,117.67,117.86,118.05,118.24,118.44,118.63);
factors[1][1]=new Array(49.31,49.45,49.60,49.74,49.88,50.05,50.17,50.32,50.46,50.60,50.75,50.89,51.02,51.17,51.31,51.46,51.61,51.75,51.90,52.05,52.19,52.34,52.49,52.64,52.79,52.94,53.08,53.23,53.38);
factors[1][2]=new Array(31.85,31.98,32.11,32.24,32.38,32.51,32.64,32.77,32.91,33.04,33.12,33.31,33.43,33.57,33.71,33.84,33.98,34.11,34.25,34.39,34.53,34.66,34.80,34.94,35.08,35.22,35.36,35.50,35.64);
factors[1][3]=new Array(23.71,23.83,23.96,24.09,24.21,24.34,24.47,24.60,24.73,24.86,24.99,25.12,25.24,25.37,25.50,25.64,25.77,25.90,26.04,26.17,26.31,26.44,26.58,26.71,26.85,26.99,27.12,27.26,27.40);
factors[1][4]=new Array(18.99,19.12,19.24,19.36,19.49,19.61,19.74,19.87,20.00,20.13,20.25,20.38,20.51,20.64,20.77,20.90,21.03,21.16,21.30,21.43,21.56,21.70,21.83,21.97,22.11,22.24,22.38,22.52,22.66);
*/

factors[2]=new Array();
factors[2][0]=new Array(171.03,171.40,171.76,172.13,172.50,172.86,173.23,173.60,173.97,174.34,174.71,175.08,175.45,175.82,176.19,176.56,176.94,177.31,177.68,178.05,178.43,178.80,179.18,179.55,179.93,180.30,180.68,181.06,181.43);
factors[2][1]=new Array(57.87,58.06,58.26,58.45,58.65,58.85,59.05,59.24,59.44,59.64,59.84,60.04,60.24,60.44,60.64,60.85,61.05,61.25,61.45,61.66,61.86,62.07,62.27,62.48,62.68,62.89,63.10,63.30,63.51);
factors[2][2]=new Array(35.24,35.40,35.56,35.73,35.89,36.06,36.22,36.39,36.55,36.72,36.89,37.05,37.22,37.39,37.56,37.73,37.90,38.07,38.24,38.41,38.59,38.76,38.93,39.11,39.28,39.46,39.63,39.81,39.99);
factors[2][3]=new Array(25.54,25.69,25.84,25.99,26.14,26.29,26.45,26.60,26.75,26.90,27.06,27.21,27.37,27.53,27.68,27.84,28.00,28.16,28.32,28.48,28.64,28.80,28.96,29.12,29.29,29.45,29.61,29.78,29.95);
factors[2][4]=new Array(20.16,20.30,20.45,20.59,20.73,20.88,21.02,21.17,21.31,21.46,21.61,21.76,21.91,22.06,22.21,22.36,22.51,22.67,22.82,22.97,23.13,23.29,23.44,23.60,23.76,23.92,24.08,24.24,24.40);
factors[2][5]=new Array(16.74,16.88,17.01,17.15,17.29,17.43,17.58,17.72,17.86,18.00,18.15,18.30,18.44,18.59,18.74,18.89,19.04,19.19,19.34,19.49,19.64,19.80,19.95,20.11,20.26,20.42,20.58,20.74,20.90);
factors[2][6]=new Array(14.37,14.51,14.64,14.78,14.92,15.05,15.19,15.33,15.48,15.62,15.76,15.90,16.05,16.20,16.34,16.49,16.64,16.79,16.94,17.09,17.24,17.40,17.55,17.70,17.86,18.02,18.17,18.33,18.49);
factors[2][7]=new Array(12.64,12.77,12.90,13.04,13.18,13.31,13.45,13.59,13.73,13.87,14.01,14.16,14.30,14.45,14.59,14.74,14.89,15.04,15.19,15.34,15.49,15.65,15.80,15.96,16.11,16.27,16.43,16.59,16.75);
factors[2][8]=new Array(11.31,11.44,11.58,11.71,11.85,11.98,12.12,12.26,12.40,12.54,12.68,12.83,12.97,13.12,13.26,13.41,13.56,13.71,13.86,14.01,14.17,14.32,14.48,14.63,14.79,14.95,15.11,15.27,15.43);
factors[2][9]=new Array(10.27,10.40,10.53,10.67,10.80,10.94,11.08,11.21,11.36,11.50,11.64,11.78,11.93,12.07,12.22,12.37,12.52,12.67,12.82,12.97,13.13,13.28,13.44,13.60,13.76,13.92,14.08,14.24,14.41);

function calcLoan() {
	if(document.getElementById) {
		var loanAmount = document.getElementById('LOANAMOUNT').value;

		if(isNaN(loanAmount) || loanAmount == 0) {
			alert('Please enter a valid Loan Amount');
			document.getElementById('LOANAMOUNT').select();
		}
		else {
			var firstPayment = document.getElementById('FIRSTPAYMENT').selectedIndex;
			var years = document.getElementById('YEARS').selectedIndex;
			var interestRate = document.getElementById('INTERESTRATE').selectedIndex;
			var numPayments = ((years + 1) * 12) - (firstPayment * 3);
			var factor = factors[firstPayment][years][interestRate];
			var monthlyPayment = loanAmount * factor / 1000;
			var costOfBorrowing = (monthlyPayment * numPayments) - loanAmount;

			document.getElementById('MONTHLYPAYMENT').innerHTML = formatCurrency(monthlyPayment);
			document.getElementById('COSTOFBORROWING').innerHTML = formatCurrency(costOfBorrowing);
		}
		return false;
	}
}

function formatCurrency(num) {
	num = num.toString().replace(/\$|\,/g,'');
	if(isNaN(num)) num = "0";
	sign = (num == (num = Math.abs(num)));
	num = Math.floor(num * 100 + 0.50000000001);
	cents = num%100;
	if(cents < 10) cents = '0' + cents;
	num = Math.floor(num / 100).toString();
	for(var i = 0; i < Math.floor((num.length - (1 + i)) / 3); i++){
		num = num.substring(0, num.length-(4 * i + 3)) + ',' + num.substring(num.length - (4 * i + 3));
	}
	return (((sign) ? '' : '-') + '$' + num + '.' + cents);
}