'============================================================================	
	'This is where it all starts
	sub Calculate_Mortgage()
	<!--
		dim vBalance, vAnnualRate, vYears, i, sTempBalance
		dim vTermYears, vMonths, vPayments, sTempInterest
		dim moRate, rc, vStartDate, vIntervalMonths
		dim dtEarliest, dtLatest
		
		'Validate the Balance field
		vBalance = document.myForm.Balance.value
		if not isnumeric(vBalance) then
			document.myForm.Balance.value = "0"
			msgbox "Valid starting balance is needed."
			exit sub
			elseif vBalance < 1 then
				document.myForm.Balance.value = "0"
				msgbox "Valid starting balance is needed."
				exit sub
		else
			document.myForm.Balance.value = formatNumber(vBalance,2,true,true)
			vBalance = document.myForm.Balance.value
		end if 
		
		'Validate the annual rate field
		vAnnualRate = document.myForm.APR.value
		if not isnumeric(vAnnualRate) then
			document.myForm.APR.value = "0"
			msgbox "Valid annual rate is needed."
			exit sub
		else
			document.myForm.APR.value = formatNumber(vAnnualRate,2,true,true)
			vAnnualRate = document.myForm.APR.value
			
			'Calculate monthly rate here
			moRate = vAnnualRate/(12*100)
		end if
		
		if formatNumber(vAnnualRate,2,true,true) < 1 or formatNumber(vAnnualRate,2,true,true) > 50 then
			document.myForm.APR.value = "0"
			msgbox "Valid annual rate needs to be at least 1 but no greater than 50."
			exit sub
		end if
		
		'Determine number of months
		vYears = document.myForm.TermYears.value
		if not isnumeric(vYears) then
			document.myForm.TermYears.value = "0"
			msgbox "Valid term is needed."
			exit sub
		else
			document.myForm.TermYears.value = formatNumber(vYears,0,true,true)
			if document.myForm.TermYears.value > 60 then
				msgbox "Term cannot be greater than 60 years."
				exit sub
			end if
			vMonths = vYears * 12
		end if
		
		'Capture start date
		if not isdate(document.myForm.LSD.value) then
			document.myForm.LSD.value = "mm/dd/yy"
			msgbox "Valid start date needed."
			exit sub
		end if
		vStartDate = formatDateTime(document.myForm.LSD.value, vbShortDate)
		dtEarliest = DateSerial(1950, 1, 1)
		dtLatest = CDate(date)

		if DatePart("yyyy", vStartDate) < "1950" or DatePart("yyyy", vStartDate) > DatePart("yyyy", dtLatest) then
			msgbox "Loan start date needs to be between " & dtEarliest & " and today " & dtLatest
			exit sub
		else
			if DatePart("yyyy", vStartDate) = DatePart("yyyy", dtLatest) then
				if DatePart("m", vStartDate) > DatePart("m", dtLatest) then
					msgbox "Loan start date needs to be between " & dtEarliest & " and today " & dtLatest
					exit sub
				else
					if DatePart("d", vStartDate) > DatePart("d", dtLatest) then
						msgbox "Loan start date needs to be between " & dtEarliest & " and today " & dtLatest
						exit sub
					end if
				end if
			end if
		end if
		vIntervalMonths = DateDiff("m", vStartDate, now)

		'Edit for valid data in monthly payment field
		if not isnumeric(document.myForm.MonthlyPayment.value) then Calculate_Payment
		if document.myForm.MonthlyPayment.value < "1" then Calculate_Payment
		vPayments = formatNumber(document.myForm.MonthlyPayment.value,2,true,true)
		
		'Determine current balance
		sTempBalance = vBalance
		for i = 1 to vIntervalMonths
			sTempInterest = formatNumber((sTempBalance * moRate),2,true,true)
			sTempBalance = formatNumber((sTempBalance - vPayments) + sTempInterest,2,true,true)
		next
		
		if cdbl(sTempBalance) > cdbl(vBalance) then
			msgbox "Monthly Payments set too low.  Please increase or let webMortgage set it for you."
			exit sub
		end if
		
		document.myForm.AdjustedBalance.value = sTempBalance
		vBalance = sTempBalance
		vMonths = vMonths - vIntervalMonths

		'At this point clear out the results area to start clean
		DoClearResults
		
		''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''
		'Lets go process Standard
		rc = calcStandard (vBalance, vPayments, vMonths)
		'If greater than 0 we have a problem
		if rc = 1 then
			exit sub
		end if
		
		''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''
		'Validate and process Extra
		vExtra = document.myForm.Extra.value
		if not isnumeric(vExtra) then
			document.myForm.Extra.value = formatNumber(0,2,true,true)
			vExtra = document.myForm.Extra.value
		else
			document.myForm.Extra.value = formatNumber(vExtra,2,true,true)
			vExtra = document.myForm.Extra.value
		end if 
		
		if vExtra > 0 then
			'Lets go process Extra
			rc = calcExtra (vBalance, moRate, vExtra, vPayments)
			'If greater than 0 we have a problem
			if rc = 1 then
				exit sub
			end if
		end if
		
		''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''
		'Validate and process Months
		dim moMonths
		moMonths = document.myForm.Months.value
		if not isnumeric(moMonths) then
			document.myForm.Months.value = formatNumber(0,0,true,true)
			moMonths = document.myForm.Months.value
		else
			document.myForm.Months.value = formatNumber(moMonths,0,true,true)
			moMonths = document.myForm.Months.value
		end if 
		
		if moMonths > 0 then
			'Lets go process Months
			rc = calcMonths (vBalance, moRate, moMonths, vPayments, vMonths)
			'If greater than 0 we have a problem
			if rc = 1 then
				exit sub
			end if
		end if
		
		''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''
		'Validate and process Fixed
		vFixed = document.myForm.Fixed_Payments.value
		if not isnumeric(vFixed) then
			document.myForm.Fixed_Payments.value = formatNumber(0,2,true,true)
			vFixed = document.myForm.Fixed_Payments.value
		else
			document.myForm.Fixed_Payments.value = formatNumber(vFixed,2,true,true)
			vFixed = document.myForm.Fixed_Payments.value
		end if 
		
		if vFixed > 0 then
			'Lets go process Fixed
			rc = calcFixed (vBalance, moRate, vFixed, vPayments, vMonths)
			'If greater than 0 we have a problem
			if rc = 1 then
				exit sub
			end if
		end if
	
	-->
	end sub
	
	function calcStandard(svBalance, sPayments, sMonths)
	<!--
		dim sTempPI, sTempBalance
		dim sTempInterest, sTotalInterestPaid
		
		'Were good to go
		sTotalInterestPaid = (sPayments * sMonths) - svBalance
		if sTotalInterestPaid < 0 then
			msgbox "Monthly Payments set too low.  Please increase or let webMortgage set it for you."
			calcStandard = 1
			exit function
		end if 
		
		document.myForm.sPA.value = formatNumber(sPayments,2,true,true)
		document.myForm.sTIP.value = formatNumber(sTotalInterestPaid,2,true,true)
		document.myForm.sSVS.value = "N/A"
		document.myForm.sMTP.value = sMonths
		sTempPI = formatNumber(cdbl(sTotalInterestPaid) + cdbl(svBalance),2,true,true)
		document.myForm.sPI.value = formatNumber(sTempPI,2,true,true)
		
		calcStandard = 0
	-->
	end function
	
	function calcExtra(evBalance, emoRate, eExtra, evPayments)
	<!--
		dim eMinRate, eTempPI, eMonthCount, eTempBalance, eTempPayment
		dim eTempInterest, eTotalInterestPaid, ePayment
		
		eMonthCount = 0
		eTempInterest = 0
		eTotalInterestPaid = 0
		eTempBalance = evBalance
			
		'Were good to go
		while eTempBalance > 0
			eTempInterest = formatNumber(eTempBalance * emoRate,2,true,true)
			eTotalInterestPaid = formatNumber(cdbl(eTotalInterestPaid) + cdbl(eTempInterest),2,true,true)
			ePayment = formatNumber((evPayments + cdbl(eExtra)),2,true,true)
			if cdbl(eTempBalance) < (cdbl(eTempBalance) - cdbl(ePayment)) + cdbl(eTempInterest) then
				msgbox "Monthly Payments set too low.  Please increase or let webMortgage set it for you."
				calcExtra = 1
				exit function
			else
				eTempBalance = formatNumber((eTempBalance - ePayment) + eTempInterest,2,true,true)
				eMonthCount = cint(eMonthCount) + 1
			end if
		wend
		
		document.myForm.ePA.value = "Min + " & eExtra
		document.myForm.eTIP.value = formatNumber(eTotalInterestPaid,2,true,true)
		document.myForm.eSVS.value = formatNumber((cdbl(document.myForm.sTIP.value) - eTotalInterestPaid),2,true,true)
		document.myForm.eMTP.value = formatNumber(eMonthCount,0,true,true)
		eTempPI = formatNumber(cdbl(eTotalInterestPaid) + cdbl(evBalance),2,true,true)
		document.myForm.ePI.value = formatNumber(eTempPI,2,true,true)
		
		calcExtra = 0
	-->
	end function
	
	function calcMonths(mvBalance, mmoRate, mvMonths, mvPayments, vMonths)
	<!--
		dim mExp, mTempPA, mTempTIP, mTempPI, mPaymentAmount, mTempInterest, mTempBalance, mTotalInterestPaid, mMonths, mTempMonths
		
		mTempBalance = CCur(mvBalance)

		mExp = (mmoRate + 1) ^ mvMonths
		mPaymentAmount = (mvBalance/((1/mmoRate)-(1/(mmoRate*mExp))))
		mTempPA = CCur(mPaymentAmount)
		
		'Make sure the payment is at least minimum due
		if CCur(mTempPA) < CCur(mvPayments) then
			mTempPA = mvPayments
			mvMonths = vMonths
		end if
		
		'We are good to go - also, not sure the true, true is necessary on formatNumber?
		document.myForm.mPA.value = formatNumber(mTempPA,2,true,true)
		
		mTempMonths = mvMonths
		mTotalInterestPaid = (mTempPA * mvMonths) - mvBalance
		document.myForm.mTIP.value = formatNumber(mTotalInterestPaid,2,true,true)
		mTempTIP = formatNumber(mTotalInterestPaid,2,true,true)
		document.myForm.mSVS.value = formatNumber((cdbl(document.myForm.sTIP.value) - mTempTIP),2,true,true)
		document.myForm.mMTP.value = mTempMonths
		mTempPI = formatNumber(cdbl(mTempTIP) + cdbl(mvBalance),2,true,true)
		document.myForm.mPI.value = formatNumber(mTempPI,2,true,true)
		
		'Let the user know if we had to change payoff in x months
		if clng(mTempMonths) < clng(mvMonths) then
			msgbox "Payoff in X Months ~ adjusted to allow for the default minimum payment.",, "webMortgage"
		end if
		
		calcMonths = 0
	-->
	end function
	
	function calcFixed(fvBalance, fmoRate, fFixed, fvPayments, fvMonths)
	<!--
		dim fTempPI, fMonthCount, fTempBalance, fTempInterest, fTotalInterestPaid, fTempPA, fTempTIP
		
		fMonthCount = 0
		fTotalInterestPaid = 0
		fTempBalance = fvBalance
		fTempPA = formatNumber(fFixed,2,true,true)
		
		
		'Make sure the payment is high enough
		if formatNumber(cdbl(fTempPA),2,true,true) < formatNumber((cdbl(fvPayments)),2,true,true) then
			fTempPA = formatNumber(fvPayments,2,true,true)
			msgbox "Fixed Monthly Payment adjusted to minimum standard payments.",, "webMortgage"
		end if
				
		'Were good to go
		if document.myForm.sPA.value = fTempPA then
			fTotalInterestPaid = document.myForm.sTIP.value
			fMonthCount = document.myForm.sMTP.value
		else
			if document.myForm.mPA.value = fTempPA then
				fTotalInterestPaid = document.myForm.mTIP.value
				fMonthCount = document.myForm.mMTP.value
			else
				while fTempBalance > 0
					fMonthCount = cint(fMonthCount) + 1
					fTempInterest = formatNumber(fTempBalance * fmoRate,2,true,true)
					fTotalInterestPaid = formatNumber(cdbl(fTotalInterestPaid) + cdbl(fTempInterest),2,true,true)
					if cdbl(fTotalInterestPaid) > cdbl(document.myForm.sTIP.value) then
						fTotalInterestPaid = formatNumber(document.myForm.sTIP.value,2,true,true)
						fTempBalance = 0
					else
						fTempBalance = formatNumber((fTempBalance - fTempPA) + fTempInterest,2,true,true)
					end if
				wend
			end if
		end if
		
		document.myForm.fPA.value = formatNumber(fTempPA,2,true,true)
		document.myForm.fTIP.value = formatNumber(fTotalInterestPaid,2,true,true)
		fTempTIP = formatNumber(fTotalInterestPaid,2,true,true)
		document.myForm.fSVS.value = formatNumber((cdbl(document.myForm.sTIP.value) - fTempTIP),2,true,true)
		document.myForm.fMTP.value = fMonthCount
		fTempPI = cdbl(fTempTIP) + cdbl(fvBalance)
		document.myForm.fPI.value = formatNumber(fTempPI,2,true,true)
		
		calcFixed = 0
	-->
	end function
	
	sub Calculate_Payment
	<!--
		dim vBalance, vAnnualRate, vYears
		dim vTermYears, vMonths, vPayments
		dim moRate, rc, vStartDate, vIntervalMonths
		
		'Validate the Balance field
		vBalance = document.myForm.Balance.value
		if not isnumeric(vBalance) then
			document.myForm.Balance.value = "0"
			msgbox "Valid starting balance is needed."
			exit sub
			elseif vBalance < 1 then
				document.myForm.Balance.value = "0"
				msgbox "Valid starting balance is needed."
				exit sub
		else
			document.myForm.Balance.value = formatNumber(vBalance,2,true,true)
			vBalance = document.myForm.Balance.value
		end if 
		
		'Validate the annual rate field
		vAnnualRate = document.myForm.APR.value
		if not isnumeric(vAnnualRate) then
			document.myForm.APR.value = "0"
			msgbox "Valid annual rate is needed."
			exit sub
		else
			document.myForm.APR.value = formatNumber(vAnnualRate,2,true,true)
			vAnnualRate = document.myForm.APR.value
			
			'Calculate monthly rate here
			moRate = vAnnualRate/(12*100)
		end if
		
		if formatNumber(vAnnualRate,2,true,true) < 1 or formatNumber(vAnnualRate,2,true,true) > 50 then
			document.myForm.APR.value = "0"
			msgbox "Valid annual rate needs to be at least 1 but no greater than 50."
			exit sub
		end if
		
		'Determine number of months
		vYears = document.myForm.TermYears.value
		if not isnumeric(vYears) then
			document.myForm.TermYears.value = "0"
			msgbox "Valid term is needed."
			exit sub
		else
			document.myForm.TermYears.value = formatNumber(vYears,0,true,true)
			if document.myForm.TermYears.value > 60 then
				msgbox "Term cannot be greater than 60 years."
				exit sub
			end if
			vMonths = vYears * 12
		end if
		
		'Now let's do the calculation
		mExp = (moRate + 1) ^ vMonths
		mPaymentAmount = (vBalance/((1/moRate)-(1/(moRate*mExp))))
		mTempPA = formatNumber(mPaymentAmount,2,true,true)
		
		'Now load it on the screen for the user
		document.myForm.MonthlyPayment.value = formatNumber(mTempPA,2,true,true)
	-->
	end sub
	
	sub DoClearResults
	<!--
		dim oObject
		
		set oObject = document.myForm.sPA
		oObject.value=""
		set oObject = document.myForm.sTIP
		oObject.value=""
		set oObject = document.myForm.sSVS
		oObject.value=""
		set oObject = document.myForm.sMTP
		oObject.value=""
		set oObject = document.myForm.sPI
		oObject.value=""
		set oObject = document.myForm.ePA
		oObject.value=""
		set oObject = document.myForm.eTIP
		oObject.value=""
		set oObject = document.myForm.eSVS
		oObject.value=""
		set oObject = document.myForm.eMTP
		oObject.value=""
		set oObject = document.myForm.ePI
		oObject.value=""
		set oObject = document.myForm.mPA
		oObject.value=""
		set oObject = document.myForm.mTIP
		oObject.value=""
		set oObject = document.myForm.mSVS
		oObject.value=""
		set oObject = document.myForm.mMTP
		oObject.value=""
		set oObject = document.myForm.mPI
		oObject.value=""
		set oObject = document.myForm.fPA
		oObject.value=""
		set oObject = document.myForm.fTIP
		oObject.value=""
		set oObject = document.myForm.fSVS
		oObject.value=""
		set oObject = document.myForm.fMTP
		oObject.value=""
		set oObject = document.myForm.fPI
		oObject.value=""
	-->
	end sub