'============================================================================	
	'This is where it all starts
	sub Calculate()
	<!--
		dim vBalance, vAnnualRate
		dim vExtra, vMonths, vFixed
		dim moRate, rc, minRate
		
		'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
		
		minRate = .02
		
		'Make sure the minimum payment rate is high enough
		while cdbl(minRate) <= cdbl(moRate)
			minRate = cdbl(minRate) + 0.005
		wend
		
		if cdbl(minRate) > .02 then
			msgbox "Default ~ minimum monthly payment ~ adjusted from 2.00% to " & formatNumber((minRate * 100),2,true,true) & "% "
		end if
		
		'At this point clear out the results area to start clean
		DoClearResults
		
		''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''
		'Lets go process Standard
		rc = calcStandard (vBalance, moRate, minRate)
		'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, minRate)
			'If greater than 0 we have a problem
			if rc = 1 then
				exit sub
			end if
		end if
		
		''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''
		'Validate and process Months
		vMonths = document.myForm.Months.value
		if not isnumeric(vMonths) then
			document.myForm.Months.value = formatNumber(0,0,true,true)
			vMonths = document.myForm.Months.value
		else
			document.myForm.Months.value = formatNumber(vMonths,0,true,true)
			vMonths = document.myForm.Months.value
		end if 
		
		if vMonths > 0 then
			'Lets go process Months
			rc = calcMonths (vBalance, moRate, vMonths, minRate)
			'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, minRate)
			'If greater than 0 we have a problem
			if rc = 1 then
				exit sub
			end if
		end if
	
	-->
	end sub
	
	function calcStandard(svBalance, smoRate, minRate)
	<!--
		dim sMinRate, sTempPI, sMonthCount, sTempBalance
		dim sTempInterest, sTotalInterestPaid, sPayment
		
		sMinRate = minRate
		sMonthCount = 0
		sTempInterest = 0
		sTotalInterestPaid = 0
		sTempBalance = svBalance
		
		'Were good to go
		while sTempBalance > 0
			sTempInterest = formatNumber((sTempBalance * smoRate),2,true,true)
			sTotalInterestPaid = formatNumber(cdbl(sTotalInterestPaid) + cdbl(sTempInterest),2,true,true)
			sPayment = formatNumber(sTempBalance * sMinRate,2,true,true)
			if sPayment < 10 then
				sPayment = 10
			end if
			sTempBalance = formatNumber((sTempBalance - sPayment) + sTempInterest,2,true,true) 
			sMonthCount = cint(sMonthCount) + 1
		wend
		
		document.myForm.sPA.value = "Minimum"
		document.myForm.sTIP.value = formatNumber(sTotalInterestPaid,2,true,true)
		document.myForm.sSVS.value = "N/A"
		document.myForm.sMTP.value = formatNumber(sMonthCount,0,true,true)
		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, minRate)
	<!--
		dim eMinRate, eTempPI, eMonthCount, eTempBalance, eTempPayment
		dim eTempInterest, eTotalInterestPaid, ePayment
		
		eMinRate = minRate
		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)
			eTempPayment = formatNumber((eTempBalance * eMinRate),2,true,true)
			if eTempPayment < 10 then
				eTempPayment = 10
			end if
			ePayment = formatNumber((eTempPayment + cdbl(eExtra)),2,true,true)
			eTempBalance = formatNumber((eTempBalance - ePayment) + eTempInterest,2,true,true)
			eMonthCount = cint(eMonthCount) + 1
		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, mMonths, minRate)
	<!--
		dim mExp, mTempPA, mTempTIP, mTempPI, mPaymentAmount, mTempInterest, mTempBalance, mTotalInterestPaid, mMinRate, mTempMonths
		
		mMinRate = minRate
		mTempBalance = formatNumber(mvBalance,2,true,true)
			
		vExp = (mmoRate + 1) ^ mMonths
		mPaymentAmount = (mvBalance/((1/mmoRate)-(1/(mmoRate*vExp))))+0.01
		mTempPA = formatNumber(mPaymentAmount,2,true,true)
				
		'Make sure the payment is at least minimum due
		if formatNumber(cdbl(mTempPA),2,true,true) < formatNumber((cdbl(mTempBalance) * cdbl(mMinRate)),2,true,true) then
			mTempPA = formatNumber((mTempBalance * mMinRate),2,true,true)
		end if
		
		if mTempPA < 10 then
			mTempPA=10
		end if
		
		'We are good to go
		document.myForm.mPA.value = formatNumber(mTempPA,2,true,true)
		
		mTempInterest = 0
		mTempMonths = 0
		while mTempBalance >= 0
			mTempInterest = formatNumber(mTempBalance * mmoRate,2,true,true)
			mTotalInterestPaid = formatNumber(cdbl(mTotalInterestPaid) + cdbl(mTempInterest),2,true,true)
			mTempBalance = formatNumber(((cdbl(mTempBalance) + cdbl(mTempInterest)) - cdbl(mTempPA)),2,true,true)
			mTempMonths = mTempMonths + 1
		wend
		
		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(mMonths) then
			msgbox "Payoff in X Months ~ adjusted to allow for the default minimum payment.",, "webClassic"
		end if
		
		calcMonths = 0
	-->
	end function
	
	function calcFixed(fvBalance, fmoRate, fFixed, minRate)
	<!--
		dim fTempPI, fMonthCount, fTempBalance, fTempInterest, fTotalInterestPaid, fTempPA, fTempTIP, fMinRate
		
		fMonthCount = 0
		fTempInterest = 0
		fTotalInterestPaid = 0
		fTempBalance = fvBalance
		fTempPA = formatNumber(fFixed,2,true,true)
		fMinRate = minRate
		
		
		'Make sure the payment is high enough
		if formatNumber(cdbl(fTempPA),2,true,true) < formatNumber((cdbl(fTempBalance) * cdbl(fMinRate)),2,true,true) then
			fTempPA = formatNumber((fTempBalance * fMinRate),2,true,true)
			msgbox "Fixed Monthly Payment adjusted to " & formatNumber((fMinRate * 100),2,true,true) & "% minimum.",, "webClassic"
		end if
		
		if fTempPA < 10 then
			fTempPA=10
		end if
				
		'Were good to go
		fTempInterest = 0
		while fTempBalance >= 0
			fTempInterest = formatnumber(fTempBalance * fmoRate,2,true,true)
			fTotalInterestPaid = formatnumber(cdbl(fTotalInterestPaid) + cdbl(fTempInterest),2,true,true)
			fTempBalance = formatnumber(((cdbl(fTempBalance) + cdbl(fTempInterest)) - cdbl(fTempPA)),2,true,true)
			fMonthCount = cint(fMonthCount) + 1  
		wend
		
		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 ShowExample
	<!--
		document.myForm.Balance.value = 13488.65
		document.myForm.APR.value = 15.99
		document.myForm.Extra.value = 100
		document.myForm.Months.value = 36
		document.myForm.Fixed_Payments.value = 300
		
		msgbox "Now press the Calculate button and see the results.",, "webClassic"

	-->
	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