function continueona() {
			var e1 = document.account.accounttype.value;
			var e2 = document.account.amount.value;
			var e4 = document.account.loanreason.value;
			var e5 = "";
			if (document.account.disclosure.checked == true) {
				e5 = "yes"
			}
			if ((e1) == "select") {
				alert("Please select an account type to continue.");
			}
			if ((e2) == "") {
				alert("Please fill out an amount to continue.");
			}
			if ((e4) == "") {
				alert("Please select a loan reason to continue.");
			}
			if (e5 == "") {
				alert("Please acknowledge that you have read the Notice Concerning Extensions of Credit.")
			}
			if ((e1 != "select") && (e2 != "") && (e4 != "") && (e5 != "")) {
				document.location.href = "application10.asp?accounttype=" + document.account.accounttype.value + "&amount=" + document.account.amount.value + "&loanreason=" + document.account.loanreason.value + "&disclosure=" + document.account.disclosure.value + "&continuevalue=continue0";
			}
}
		
function continueon() {
			var e1 = document.account.accounttype.value;
			var e2 = document.account.amount.value;
			var e4 = document.account.loanreason.value;
			var e5 = "";
			if (document.account.disclosure.checked == true) {
				e5 = "yes"
			}
			var e6 = "";
			if (document.account.disclosure1.checked == true) {
				e6 = "yes"
			}
			var e7 = "";
			if (document.account.disclosure2.checked == true) {
				e7 = "yes"
			}
			if ((e1) == "select") {
				alert("Please select an account type to continue.");
			}
			if ((e2) == "") {
				alert("Please fill out an amount to continue.");
			}
			if ((e4) == "") {
				alert("Please select a loan reason to continue.");
			}
			if (e5 == "") {
				alert("Please acknowledge that you have read the Notice Concerning Extensions of Credit.")
			}
			if (e6 == "") {
				alert("Please acknowledge that you have When Your Home is on the Line: What you should know about Home Equity Lines of Credit.")
			}
			if (e7 == "") {
				alert("Please acknowledge that you have read the Home Equity Application Disclosure.")
			}
			if ((e1 != "select") && (e2 != "") && (e4 != "") && (e5 != "") && (e6 != "") && (e7 != "")) {
				document.location.href = "application10.asp?accounttype=" + document.account.accounttype.value + "&amount=" + document.account.amount.value + "&loanreason=" + document.account.loanreason.value + "&disclosure=" + document.account.disclosure.value + "&disclosure1=" + document.account.disclosure1.value + "&disclosure2=" + document.account.disclosure2.value + "&continuevalue=continue0";
			}
}
		
function continueon2() {
			var e3;
			e3 = "";
			if (document.account.type[0].checked) { e3 = "Home Equity Line of Credit"; }
			if (document.account.type[1].checked) { e3 = "Home Equity Loan"; }
			if (e3 != "") {
				document.location.href = "application10.asp?type=" + e3 + "&continuevalue=continue2";
			}
			else {
				alert("Please select either Home Equity Loan or Home Equity Line of Credit to continue.");
			}
}

function isblank(s) {
                for(var i=0; i<s.length; i++) {
                        var c = s.charAt(i);
                        if((c != ' ') && (c != '\n') && (c != '\t')) 
                        {
                                return false;
                        }
                }
                return true;
}

function verify(f) {
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifycheckbox(f) {
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				           
				var e1 = "";
				if (document.account1.intendtoapplyforjointcredit.checked) { e1 = "yes"; }
				if (e1 == "") {
					errors += "Please check 'We intend to apply for joint credit' to continue.\n"
				}
								    
               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication10b(f) {
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
				var e2 = "";
				if (document.account1.Co_citizen[0].checked) { e2 = "U.S. Citizen"; }
				if (document.account1.Co_citizen[1].checked) { e2 = "Resident Alien"; }				
				if (e2 == "") {errors += "Please answer if you are a U.S. Citizen or a Resident Alien.\n"} 

               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication9(f) {
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				           
				var e1 = "";
				if (document.account1.intendtoapplyforjointcredit.checked) { e1 = "yes"; }
				if (e1 == "") {
					errors += "Please check 'We intend to apply for joint credit' to continue.\n"
				}
			var e4 = document.account1.completeaccount.value;
			if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			
								    
               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication3(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }

				var e2 = "";
				if (document.account1.citizen[0].checked) { e2 = "U.S. Citizen"; }
				if (document.account1.citizen[1].checked) { e2 = "Resident Alien"; }				
				if (e2 == "") {errors += "Please answer if you are a U.S. Citizen or a Resident Alien.\n"} 				var e4 = document.account1.completeaccount.value;
				if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

				var e1 = "";
				if (document.account1.termsandconditions[0].checked) { e1 = "yes"; }
				if (document.account1.termsandconditions[1].checked) { e1 = "no"; }
				if (e1 == "") {
					errors += "Please check if you understand the terms and conditions associated with ReadyNet Internet Banking.\n"
				}
				               
               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication1(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
			var e1 = "";
			if (document.account1.citizen[0].checked) { e1 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e1 = "Resident Alien"; }				
			if (e1 == "") {errors += "Please answer if you are a U.S. Citizen or a Resident Alien.\n"}    
			var e4 = document.account1.completeaccount.value;
			if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication2(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
				var e1 = "";
				if (document.account1.citizen[0].checked) { e1 = "U.S. Citizen"; }
				if (document.account1.citizen[1].checked) { e1 = "Resident Alien"; }				
				if (e1 == "") {errors += "Please answer if you are a U.S. Citizen or a Resident Alien.\n"} 				var e4 = document.account1.completeaccount.value;
				if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

				var e2 = "";
				if (document.account1.issue.checked) { e2 = "yes"; }
				if (e2 == "") {
					errors += "Please check the 'I authorize North Dallas Bank & Trust Co. to issue a MasterMoney Debit Card in my name' box.\n"
				}

               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication4(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }

				var e2 = "";
				if (document.account1.citizen[0].checked) { e2 = "U.S. Citizen"; }
				if (document.account1.citizen[1].checked) { e2 = "Resident Alien"; }				
				if (e2 == "") {errors += "Please answer if you are a U.S. Citizen or a Resident Alien.\n"} 				var e4 = document.account1.completeaccount.value;
				if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

				var e1 = "";
				if (document.account1.termsandconditions[0].checked) { e1 = "yes"; }
				if (document.account1.termsandconditions[1].checked) { e1 = "no"; }
				if (e1 == "") {
					errors += "Please check if you understand the terms and conditions associated with ReadyNet CheckFree Internet Banking.\n"
				}
				               
               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication5(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
			var e1 = "";
			if (document.account1.citizen[0].checked) { e1 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e1 = "Resident Alien"; }				
			if (e1 == "") {errors += "Please answer if the applicant is a U.S. Citizen or a Resident Alien.\n"}    
			var e4 = document.account1.completeaccount.value;
			if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

			if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication6(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
				var e1 = "";
				if (document.account1.intendtoapplyforjointcredit.checked) { e1 = "yes"; }
				if (e1 == "") {
					errors += "Please check 'We intend to apply for joint credit' to continue.\n"
				}

			var e2 = "";
			if (document.account1.citizen[0].checked) { e2 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e2 = "Resident Alien"; }				
			if (e2 == "") {errors += "Please answer if the applicant is a U.S. Citizen or a Resident Alien.\n"}    
			var e4 = document.account1.completeaccount.value;
			if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

              if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication6a(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
			var e2 = "";
			if (document.account1.citizen[0].checked) { e2 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e2 = "Resident Alien"; }				
			if (e2 == "") {errors += "Please answer if the applicant is a U.S. Citizen or a Resident Alien.\n"}    
			var e4 = document.account1.completeaccount.value;
			if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

              if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication7(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
			var e1 = "";
			if (document.account1.citizen[0].checked) { e1 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e1 = "Resident Alien"; }				
			if (e1 == "") {errors += "Please answer if you are a U.S. Citizen or a Resident Alien.\n"}    
			var e4 = document.account1.completeaccount.value;
			if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication8(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
			var e1 = "";
			if (document.account1.citizen[0].checked) { e1 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e1 = "Resident Alien"; }				
			if (e1 == "") {errors += "Please answer if you are a U.S. Citizen or a Resident Alien.\n"}    
			var e4 = document.account1.completeaccount.value;
			if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication9(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
				var e1 = "";
				if (document.account1.intendtoapplyforjointcredit.checked) { e1 = "yes"; }
				if (e1 == "") {
					errors += "Please check 'We intend to apply for joint credit' to continue.\n"
				}

			var e2 = "";
			if (document.account1.citizen[0].checked) { e2 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e2 = "Resident Alien"; }				
			if (e2 == "") {errors += "Please answer if the applicant is a U.S. Citizen or a Resident Alien.\n"}    
			var e4 = document.account1.completeaccount.value;
			if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

              if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication9a(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
			var e2 = "";
			if (document.account1.citizen[0].checked) { e2 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e2 = "Resident Alien"; }				
			if (e2 == "") {errors += "Please answer if the applicant is a U.S. Citizen or a Resident Alien.\n"}    
			var e4 = document.account1.completeaccount.value;
			if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

              if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication11(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
				var e1 = "";
				if (document.account1.intendtoapplyforjointcredit.checked) { e1 = "yes"; }
				if (e1 == "") {
					errors += "Please check 'We intend to apply for joint credit' to continue.\n"
				}

			var e2 = "";
			if (document.account1.citizen[0].checked) { e2 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e2 = "Resident Alien"; }				
			if (e2 == "") {errors += "Please answer if the applicant is a U.S. Citizen or a Resident Alien.\n"}    
				var e4 = document.account1.completeaccount.value;
				if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

              if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verifyapplication11a(f) {
			
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
			var e2 = "";
			if (document.account1.citizen[0].checked) { e2 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e2 = "Resident Alien"; }				
			if (e2 == "") {errors += "Please answer if the applicant is a U.S. Citizen or a Resident Alien.\n"}    
				var e4 = document.account1.completeaccount.value;
				if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

              if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verify1(f) {
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				    
				if (document.account1.email.value != document.account1.confirmemail.value) {
					errors += "Please make sure the email address you entered in the Email and Confirm Email fields is the same.\n\n"
				}    
				               
               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verify1a(f) {
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				    
				if (document.account1.email.value != document.account1.confirmemail.value) {
					errors += "Please make sure the email address you entered in the Email and Confirm Email fields is the same.\n\n"
				}    
				               
 				var e1 = "";
				if (document.account1.intendtoapplyforjointcredit.checked) { e1 = "yes"; }
				if (e1 == "") {
					errors += "Please check 'We intend to apply for joint credit' to continue.\n"
				}

                if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verify2(f) {
            var msg;
            var empty_fields = "";
            var errors = "";
                				    
			var e1;
			e1 = "";
			var e3;
			e3 = "";
			if (document.account7.delivery[0].checked) { e1 = "yes"; e3 = "bank";}
			if (document.account7.delivery[1].checked) { e1 = "yes";  e3 = "fax";}
				
			var e2;
			e2 = "";
			e2 = document.account7.banklocation.value;

			var e4, e5, e6;
			e4 = "";
			e5 = "";
			e6 = "";
			e4 = document.account7.pickupfax.value;
			e5 = document.account7.pickupfax1.value;
			e6 = document.account7.pickupfax2.value;

				if (e1 != "yes") {
					errors += "Please select a Settlement Statement Delivery method to continue.\n\n"
				}    				            
				
				if ((e3 == "bank") && (e2 == "")) {
					errors += "Please select a bank location to continue.\n\n"
				}

				if ((e3 == "fax") && ((e4 == "") || (e5 == "") || (e6 == ""))) {
					errors += "Please enter a complete fax number to continue.\n\n"
				}

                if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verify3(f) {
            var msg;
            var empty_fields = "";
            var errors = "";
                				    
			var e1 = "";
			if (document.account5.contingentliabilities1[0].checked) { e1 = "yes"; }
			if (document.account5.contingentliabilities1[1].checked) { e1 = "no"; }
			var e2 = "";
			if (document.account5.contingentliabilities2[0].checked) { e2 = "yes"; }
			if (document.account5.contingentliabilities2[1].checked) { e2 = "no"; }
			var e3 = "";
			if (document.account5.contingentliabilities3[0].checked) { e3 = "yes"; }
			if (document.account5.contingentliabilities3[1].checked) { e3 = "no"; }
			var e4 = "";
			if (document.account5.contingentliabilities4[0].checked) { e4 = "yes"; }
			if (document.account5.contingentliabilities4[1].checked) { e4 = "no"; }
			var e5 = "";
			if (document.account5.contingentliabilities5[0].checked) { e5 = "yes"; }
			if (document.account5.contingentliabilities5[1].checked) { e5 = "no"; }
			var e6 = "";
			if (document.account5.contingentliabilities6[0].checked) { e6 = "yes"; }
			if (document.account5.contingentliabilities6[1].checked) { e6 = "no"; }
			var e7 = "";
			if (document.account5.contingentliabilities7[0].checked) { e7 = "yes"; }
			if (document.account5.contingentliabilities7[1].checked) { e7 = "no"; }
			var e8 = "";
			if (document.account5.contingentliabilities8[0].checked) { e8 = "yes"; }
			if (document.account5.contingentliabilities8[1].checked) { e8 = "no"; }
			var e9 = "";
			if (document.account5.contingentliabilities9[0].checked) { e9 = "yes"; }
			if (document.account5.contingentliabilities9[1].checked) { e9 = "no"; }
			var e10 = "";
			if (document.account5.contingentliabilities10[0].checked) { e10 = "yes"; }
			if (document.account5.contingentliabilities10[1].checked) { e10 = "no"; }
			var e11 = "";
			if (document.account5.contingentliabilities11[0].checked) { e11 = "yes"; }
			if (document.account5.contingentliabilities11[1].checked) { e11 = "no"; }
				
			if (e1 == "") {errors += "Please answer question #1.\n"}    
			if (e2 == "") {errors += "Please answer question #2.\n"}    
			if (e3 == "") {errors += "Please answer question #3.\n"}    
			if (e4 == "") {errors += "Please answer question #4.\n"}    
			if (e5 == "") {errors += "Please answer question #5.\n"}    
			if (e6 == "") {errors += "Please answer question #6.\n"}    
			if (e7 == "") {errors += "Please answer question #7.\n"}    
			if (e8 == "") {errors += "Please answer question #8.\n"}    
			if (e9 == "") {errors += "Please answer question #9.\n"}    
			if (e10 == "") {errors += "Please answer question #10.\n"}    
			if (e11 == "") {errors += "Please answer question #11.\n"}    
				               
               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                 msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verify4(f) {
            var msg;
            var empty_fields = "";
            var errors = "";
                				    
			var e1 = "";
			if (document.account6.resideat[0].checked) { e1 = "yes"; }
			if (document.account6.resideat[1].checked) { e1 = "no"; }
			var e2 = "";
			if (document.account6.homestead[0].checked) { e2 = "yes"; }
			if (document.account6.homestead[1].checked) { e2 = "no"; }
			var e3 = "";
			if (document.account6.citylimits[0].checked) { e3 = "yes"; }
			if (document.account6.citylimits[1].checked) { e3 = "no"; }
			var e4 = "";
			if (document.account6.acreage[0].checked) { e4 = "yes"; }
			if (document.account6.acreage[1].checked) { e4 = "no"; }
			var e5 = "";
			if (document.account6.cityutilities[0].checked) { e5 = "yes"; }
			if (document.account6.cityutilities[1].checked) { e5 = "no"; }
			var e6 = "";
			if (document.account6.fireprotection[0].checked) { e6 = "yes"; }
			if (document.account6.fireprotection[1].checked) { e6 = "no"; }
			var e7 = "";
			if (document.account6.policeprotection[0].checked) { e7 = "yes"; }
			if (document.account6.policeprotection[1].checked) { e7 = "no"; }
			var e8 = "";
			if (document.account6.propertytype[0].checked) { e8 = "yes"; }
			if (document.account6.propertytype[1].checked) { e8 = "no"; }
			var e9 = "";
			if (document.account6.ownershipinterest[0].checked) { e9 = "yes"; }
			if (document.account6.ownershipinterest[1].checked) { e9 = "no"; }
			var e10 = "";
			if (document.account6.debts[0].checked) { e10 = "yes"; }
			if (document.account6.debts[1].checked) { e10 = "no"; }
			var e11 = "";
			if (document.account6.equity[0].checked) { e11 = "yes"; }
			if (document.account6.equity[1].checked) { e11 = "no"; }
			var e12 = "";
			if (document.account6.allparties[0].checked) { e12 = "yes"; }
			if (document.account6.allparties[1].checked) { e12 = "no"; }
				
			if (e1 == "") {errors += "Please answer question #1.\n"}    
			if (e2 == "") {errors += "Please answer question #2.\n"}    
			if (e3 == "") {errors += "Please answer question #3.\n"}    
			if (e4 == "") {errors += "Please answer question #4.\n"}    
			if (e5 == "") {errors += "Please answer question #5.\n"}    
			if (e6 == "") {errors += "Please answer question #6.\n"}    
			if (e7 == "") {errors += "Please answer question #7.\n"}    
			if (e8 == "") {errors += "Please answer question #8.\n"}    
			if (e9 == "") {errors += "Please answer question #9.\n"}    
			if (e10 == "") {errors += "Please answer question #10.\n"}    
			if (e11 == "") {errors += "Please answer question #11.\n"}    
			if (e12 == "") {errors += "Please answer question #12.\n"}    
				               
               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                 msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verify5(f) {
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                 msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "Please fill out all fields and click the all 'Total' buttons in both the Financial Statement and Cash Flow section before continuing.\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verify6(f) {
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				               
               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                 msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "Please provide your full contact phone number.\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verify10(f) {
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				    
			var e2 = "";
			if (document.account1.citizen[0].checked) { e2 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e2 = "Resident Alien"; }				
			if (e2 == "") {errors += "Please answer if the applicant is a U.S. Citizen or a Resident Alien.\n"}    
				var e4 = document.account1.completeaccount.value;
				if (e4 == "") {errors += "Please select where you would like to complete your account.\n"}			

				if (document.account1.email.value != document.account1.confirmemail.value) {
					errors += "Please make sure the email address you entered in the Email and Confirm Email fields is the same.\n\n"
				}    
				               
               if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function verify10a(f) {
                var msg;
                var empty_fields = "";
                var errors = "";
                
                for (var i=0; i<f.length; i++) 
                {
                        var e = f.elements[i];
                        if (((e.type == "text") || (e.type == "textarea")) && !e.optional) 
                        {
                                if ((e.value == null) || (e.value == "") || isblank(e.value)) 
                                {
                                        empty_fields += "\n" + e.name;
                                        continue;
                                }
                                if (e.numeric || (e.min != null) || (e.max != null)) 
                                {
                                        var v = parseFloat(e.value);
                                        if (isNan(v) || ((e.min != null) && (v < e.min)) ||  ((e.max != null) && (v > e.max))) 
                                        {
                                                errors += "- The field " + e.name + " must be a number";
                                                if (e.min != null)
                                                {
                                                        errors += " that is greater than " + e.min;
                                                }
                                                if (e.max != null && e.min != null)
                                                {
                                                        errors += " and less than " + e.max;
                                                }
                                                else if (e.max != null)
                                                {
                                                        errors += " that is less than " + e.max;
                                                }
                                                errors += ".\n";
                                        }
                                }
                        }
                }
				    
			var e2 = "";
			if (document.account1.citizen[0].checked) { e2 = "U.S. Citizen"; }
			if (document.account1.citizen[1].checked) { e2 = "Resident Alien"; }				
			if (e2 == "") {errors += "Please answer if the applicant is a U.S. Citizen or a Resident Alien.\n"}    

				if (document.account1.email.value != document.account1.confirmemail.value) {
					errors += "Please make sure the email address you entered in the Email and Confirm Email fields is the same.\n\n"
				}    
				               
 				var e1 = "";
				if (document.account1.intendtoapplyforjointcredit.checked) { e1 = "yes"; }
				if (e1 == "") {
					errors += "Please check 'We intend to apply for joint credit' to continue.\n"
				}

                if (!empty_fields && !errors) 
                {
					return true;
                }
                
                msg = "__________________________________\n\n";
                msg += "Your application can not be sent without all required information. Please review your application and fill in the needed information before submitting.\n";
                msg += "Please type 'no' or 'none' where appropriate. Thank you.\n";
                msg += "_________________________________\n\n";
                
                if (empty_fields) 
                {                        
                        msg += "The following required field(s) are empty:" + empty_fields + "\n";
                        if (errors) msg += "\n";
                }

               msg += errors;
                                
               alert(msg);
                return false;
}

function convertToDollar( amt ) {

    // convert a float to a dollar amount
	var sDollar, sDollarPart, intDollar, intCents, sCents, sSegment, newDollar;
    intDollar = Math.floor( Math.abs(amt) );
    sDollarPart = "";

    while(intDollar > 1000) {
		sSegment = (intDollar % 1000);
		if (sSegment == 0) {
			sDollarPart = sDollarPart + ",000";
		} 
		else {
			if (sSegment < 10) {
				sDollarPart = sDollarPart + ",00" + sSegment;
			} 
			else {
				if (sSegment < 100) {
					sDollarPart = sDollarPart + ",0" + sSegment;
				} 
				else {
					sDollarPart = sDollarPart + "," + (intDollar % 1000);
				}
			}
		}
	    intDollar = Math.floor(intDollar / 1000);
    }
    sDollar = intDollar + sDollarPart;
    intCents = Math.round(amt * 100) % 100;
    if (intCents < 10) {
		sCents = ".0" + intCents;
	} 
	else {
		sCents = "." + intCents;
    }
	newDollar = sDollar + sCents
    return (newDollar);
}

function totalmyassets() {
	// declare variables
	var Total
	var Cash, MarketableSecurities, RetirementInvestments, PrimaryResidence, RealEstate;
	var PersonalProperty, Automobiles, Other;

	// read in the values
	Cash =  parseFloat(document.account4.f1cash.value);
	if (isNaN(Cash)) {document.account4.f1cash.value = 0.0; Cash = 0.0; }
	MarketableSecurities = parseFloat(document.account4.f1marketablesecurities.value);
	if (isNaN(MarketableSecurities)) {document.account4.f1marketablesecurities.value = 0.0; MarketableSecurities = 0.0; }
	RetirementInvestments = parseFloat(document.account4.f1retirementinvestments.value);
	if (isNaN(RetirementInvestments)) {document.account4.f1retirementinvestments.value = 0.0; RetirementInvestments = 0.0; }
	PrimaryResidence = parseFloat(document.account4.f1primaryresidence.value);
	if (isNaN(PrimaryResidence)) {document.account4.f1primaryresidence.value = 0.0; PrimaryResidence = 0.0; }
	RealEstate = parseFloat(document.account4.f1realestateother.value);
	if (isNaN(RealEstate)) {document.account4.f1realestateother.value = 0.0; RealEstate = 0.0; }
	PersonalProperty = parseFloat(document.account4.f1personalproperty.value);
	if (isNaN(PersonalProperty)) {document.account4.f1personalproperty.value = 0.0; PersonalProperty = 0.0; }
	Automobiles = parseFloat(document.account4.f1autoassets.value);
	if (isNaN(Automobiles)) {document.account4.f1autoassets.value = 0.0; Automobiles = 0.0; }
	Other = parseFloat(document.account4.f1otherassets.value);
	if (isNaN(Other)) {document.account4.f1otherassets.value = 0.0; Other = 0.0; }

	Total = Cash + MarketableSecurities + RetirementInvestments + PrimaryResidence + RealEstate + PersonalProperty + Automobiles + Other;

	//assign the total values
	document.account4.f1totalassets.value = convertToDollar(Total);

}

function totalmyliabilities() {
	// declare variables
	var Total
	var f1moneyowed1, f1creditcarddebt1, f1moneyowedtoothers1, f1primaryresidenceloans1;
	var f1realestateloans1, f1otherliabilities1;
	var f1moneyowed, f1creditcarddebt, f1moneyowedtoothers, f1primaryresidenceloans;
	var f1realestateloans, f1otherliabilities;

	// read in the values
	f1moneyowed1 =  parseFloat(document.account4.f1moneyowed1.value);
	if (isNaN(f1moneyowed1)) {document.account4.f1moneyowed1.value = 0.0; f1moneyowed1 = 0.0; }
	f1creditcarddebt1 = parseFloat(document.account4.f1creditcarddebt1.value);
	if (isNaN(f1creditcarddebt1)) {document.account4.f1creditcarddebt1.value = 0.0; f1creditcarddebt1 = 0.0; }
	f1moneyowedtoothers1 = parseFloat(document.account4.f1moneyowedtoothers1.value);
	if (isNaN(f1moneyowedtoothers1)) {document.account4.f1moneyowedtoothers1.value = 0.0; f1moneyowedtoothers1 = 0.0; }
	f1primaryresidenceloans1 = parseFloat(document.account4.f1primaryresidenceloans1.value);
	if (isNaN(f1primaryresidenceloans1)) {document.account4.f1primaryresidenceloans1.value = 0.0; f1primaryresidenceloans1 = 0.0; }
	f1realestateloans1 = parseFloat(document.account4.f1realestateloans1.value);
	if (isNaN(f1realestateloans1)) {document.account4.f1realestateloans1.value = 0.0; f1realestateloans1 = 0.0; }
	f1otherliabilities1 = parseFloat(document.account4.f1otherliabilities1.value);
	if (isNaN(f1otherliabilities1)) {document.account4.f1otherliabilities1.value = 0.0; f1otherliabilities1 = 0.0; }

	f1moneyowed =  parseFloat(document.account4.f1moneyowed.value);
	if (isNaN(f1moneyowed)) {document.account4.f1moneyowed.value = 0.0; f1moneyowed = 0.0; }
	f1creditcarddebt = parseFloat(document.account4.f1creditcarddebt.value);
	if (isNaN(f1creditcarddebt)) {document.account4.f1creditcarddebt.value = 0.0; f1creditcarddebt = 0.0; }
	f1moneyowedtoothers = parseFloat(document.account4.f1moneyowedtoothers.value);
	if (isNaN(f1moneyowedtoothers)) {document.account4.f1moneyowedtoothers.value = 0.0; f1moneyowedtoothers = 0.0; }
	f1primaryresidenceloans = parseFloat(document.account4.f1primaryresidenceloans.value);
	if (isNaN(f1primaryresidenceloans)) {document.account4.f1primaryresidenceloans.value = 0.0; f1primaryresidenceloans = 0.0; }
	f1realestateloans = parseFloat(document.account4.f1realestateloans.value);
	if (isNaN(f1realestateloans)) {document.account4.f1realestateloans.value = 0.0; f1realestateloans = 0.0; }
	f1otherliabilities = parseFloat(document.account4.f1otherliabilities.value);
	if (isNaN(f1otherliabilities)) {document.account4.f1otherliabilities.value = 0.0; f1otherliabilities = 0.0; }

	Total = f1moneyowed1 + f1creditcarddebt1 + f1moneyowedtoothers1 + f1primaryresidenceloans1 + f1realestateloans1 + f1otherliabilities1;

	//assign the total values
	document.account4.f1totalliabilities.value = convertToDollar(Total);

}

function totalmyincome() {
	// declare variables
	var Total, Total1
	var salarylastyear, commissionslastyear;
	var salaryprojected, commissionsprojected;
	var bonuslastyear, divedendincomelastyear;
	var bonusprojected, divedendincomeprojected;
	var leaseincomelastyear, saleofassetslastyear;
	var leaseincomeprojected, saleofassetsprojected;
	var loanproceedslastyear, partnershipincomelastyear, otherincomelastyear;
	var loanproceedsprojected, partnershipincomeprojected, otherincomeprojected;

	// read in the values
	salarylastyear =  parseFloat(document.account4.salarylastyear.value);
	if (isNaN(salarylastyear)) {document.account4.salarylastyear.value = 0.0; salarylastyear = 0.0; }
	salaryprojected = parseFloat(document.account4.salaryprojected.value);
	if (isNaN(salaryprojected)) {document.account4.salaryprojected.value = 0.0; salaryprojected = 0.0; }
	commissionslastyear = parseFloat(document.account4.commissionslastyear.value);
	if (isNaN(commissionslastyear)) {document.account4.commissionslastyear.value = 0.0; commissionslastyear = 0.0; }
	commissionsprojected = parseFloat(document.account4.commissionsprojected.value);
	if (isNaN(commissionsprojected)) {document.account4.commissionsprojected.value = 0.0; commissionsprojected = 0.0; }
	bonuslastyear = parseFloat(document.account4.bonuslastyear.value);
	if (isNaN(bonuslastyear)) {document.account4.bonuslastyear.value = 0.0; bonuslastyear = 0.0; }
	bonusprojected = parseFloat(document.account4.bonusprojected.value);
	if (isNaN(bonusprojected)) {document.account4.bonusprojected.value = 0.0; bonusprojected = 0.0; }
	leaseincomelastyear = parseFloat(document.account4.leaseincomelastyear.value);
	if (isNaN(leaseincomelastyear)) {document.account4.leaseincomelastyear.value = 0.0; leaseincomelastyear = 0.0; }
	leaseincomeprojected = parseFloat(document.account4.leaseincomeprojected.value);
	if (isNaN(leaseincomeprojected)) {document.account4.leaseincomeprojected.value = 0.0; leaseincomeprojected = 0.0; }
	divedendincomelastyear = parseFloat(document.account4.divedendincomelastyear.value);
	if (isNaN(divedendincomelastyear)) {document.account4.divedendincomelastyear.value = 0.0; divedendincomelastyear = 0.0; }
	divedendincomeprojected = parseFloat(document.account4.divedendincomeprojected.value);
	if (isNaN(divedendincomeprojected)) {document.account4.divedendincomeprojected.value = 0.0; divedendincomeprojected = 0.0; }
	saleofassetslastyear = parseFloat(document.account4.saleofassetslastyear.value);
	if (isNaN(saleofassetslastyear)) {document.account4.saleofassetslastyear.value = 0.0; saleofassetslastyear = 0.0; }
	saleofassetsprojected = parseFloat(document.account4.saleofassetsprojected.value);
	if (isNaN(saleofassetsprojected)) {document.account4.saleofassetsprojected.value = 0.0; saleofassetsprojected = 0.0; }
	loanproceedslastyear = parseFloat(document.account4.loanproceedslastyear.value);
	if (isNaN(loanproceedslastyear)) {document.account4.loanproceedslastyear.value = 0.0; loanproceedslastyear = 0.0; }
	loanproceedsprojected = parseFloat(document.account4.loanproceedsprojected.value);
	if (isNaN(loanproceedsprojected)) {document.account4.loanproceedsprojected.value = 0.0; loanproceedsprojected = 0.0; }
	partnershipincomelastyear = parseFloat(document.account4.partnershipincomelastyear.value);
	if (isNaN(partnershipincomelastyear)) {document.account4.partnershipincomelastyear.value = 0.0; partnershipincomelastyear = 0.0; }
	partnershipincomeprojected = parseFloat(document.account4.partnershipincomeprojected.value);
	if (isNaN(partnershipincomeprojected)) {document.account4.partnershipincomeprojected.value = 0.0; partnershipincomeprojected = 0.0; }
	otherincomelastyear = parseFloat(document.account4.otherincomelastyear.value);
	if (isNaN(otherincomelastyear)) {document.account4.otherincomelastyear.value = 0.0; otherincomelastyear = 0.0; }
	otherincomeprojected = parseFloat(document.account4.otherincomeprojected.value);
	if (isNaN(otherincomeprojected)) {document.account4.otherincomeprojected.value = 0.0; otherincomeprojected = 0.0; }

	Total = salarylastyear + commissionslastyear+ bonuslastyear;
	Total = Total + leaseincomelastyear + divedendincomelastyear;
	Total = Total + saleofassetslastyear + loanproceedslastyear;
	Total = Total + partnershipincomelastyear + otherincomelastyear;

	Total1 = salaryprojected + commissionsprojected + bonusprojected;
	Total1 = Total1 + leaseincomeprojected + divedendincomeprojected;
	Total1 = Total1 + saleofassetsprojected + loanproceedsprojected;
	Total1 = Total1 + partnershipincomeprojected + otherincomeprojected;

	//assign the total values
	document.account4.totalcashsourceslastyear.value = convertToDollar(Total);
	document.account4.totalcashsourcesprojected.value = convertToDollar(Total1);

}

function totalmyexpenses() {
	// declare variables
	var Total, Total1
	var incometaxeslastyear, livingexpenseslastyear;
	var incometaxesprojected, livingexpensesprojected;
	var mortgagepaymentlastyear, leaseexpenseslastyear;
	var mortgagepaymentprojected, leaseexpensesprojected;
	var propertytaxeslastyear, hazardinsurancelastyear;
	var propertytaxesprojected, hazardinsuranceprojected;

	// read in the values
	incometaxeslastyear =  parseFloat(document.account4.incometaxeslastyear.value);
	if (isNaN(incometaxeslastyear)) {document.account4.incometaxeslastyear.value = 0.0; incometaxeslastyear = 0.0; }
	incometaxesprojected = parseFloat(document.account4.incometaxesprojected.value);
	if (isNaN(incometaxesprojected)) {document.account4.incometaxesprojected.value = 0.0; incometaxesprojected = 0.0; }
	livingexpenseslastyear = parseFloat(document.account4.livingexpenseslastyear.value);
	if (isNaN(livingexpenseslastyear)) {document.account4.livingexpenseslastyear.value = 0.0; livingexpenseslastyear = 0.0; }
	livingexpensesprojected = parseFloat(document.account4.livingexpensesprojected.value);
	if (isNaN(livingexpensesprojected)) {document.account4.livingexpensesprojected.value = 0.0; livingexpensesprojected = 0.0; }
	mortgagepaymentlastyear = parseFloat(document.account4.mortgagepaymentlastyear.value);
	if (isNaN(mortgagepaymentlastyear)) {document.account4.mortgagepaymentlastyear.value = 0.0; mortgagepaymentlastyear = 0.0; }
	mortgagepaymentprojected = parseFloat(document.account4.mortgagepaymentprojected.value);
	if (isNaN(mortgagepaymentprojected)) {document.account4.mortgagepaymentprojected.value = 0.0; mortgagepaymentprojected = 0.0; }
	leaseexpenseslastyear = parseFloat(document.account4.leaseexpenseslastyear.value);
	if (isNaN(leaseexpenseslastyear)) {document.account4.leaseexpenseslastyear.value = 0.0; leaseexpenseslastyear = 0.0; }
	leaseexpensesprojected = parseFloat(document.account4.leaseexpensesprojected.value);
	if (isNaN(leaseexpensesprojected)) {document.account4.leaseexpensesprojected.value = 0.0; leaseexpensesprojected = 0.0; }
	propertytaxeslastyear = parseFloat(document.account4.propertytaxeslastyear.value);
	if (isNaN(propertytaxeslastyear)) {document.account4.propertytaxeslastyear.value = 0.0; propertytaxeslastyear = 0.0; }
	propertytaxesprojected = parseFloat(document.account4.propertytaxesprojected.value);
	if (isNaN(propertytaxesprojected)) {document.account4.propertytaxesprojected.value = 0.0; propertytaxesprojected = 0.0; }
	hazardinsurancelastyear = parseFloat(document.account4.hazardinsurancelastyear.value);
	if (isNaN(hazardinsurancelastyear)) {document.account4.hazardinsurancelastyear.value = 0.0; hazardinsurancelastyear = 0.0; }
	hazardinsuranceprojected = parseFloat(document.account4.hazardinsuranceprojected.value);
	if (isNaN(hazardinsuranceprojected)) {document.account4.hazardinsuranceprojected.value = 0.0; hazardinsuranceprojected = 0.0; }

	Total = incometaxeslastyear + livingexpenseslastyear;
	Total = Total + mortgagepaymentlastyear + leaseexpenseslastyear;
	Total = Total + propertytaxeslastyear + hazardinsurancelastyear;
	
	Total1 = incometaxesprojected + livingexpensesprojected;
	Total1 = Total1 + mortgagepaymentprojected + leaseexpensesprojected;
	Total1 = Total1 + propertytaxesprojected + hazardinsuranceprojected;
	
	//assign the total values
	document.account4.totalusesofcashlastyear.value = convertToDollar(Total);
	document.account4.totalusesofcashprojected.value = convertToDollar(Total1);

}

function totalmynetcashflow() {
	// declare variables
	var Total, Total1, dothetotal;
	dothetotal = true;
	var totalusesofcashlastyear, totalusesofcashprojected; 
	var totalcashsourceslastyear, totalcashsourcesprojected; 
	var negative = false;
	var negative1 = false;

	totalusesofcashlastyear = parseFloat(document.account4.totalusesofcashlastyear.value);
	totalusesofcashprojected = parseFloat(document.account4.totalusesofcashprojected.value);
	if (isNaN(totalusesofcashlastyear) || isNaN(totalusesofcashprojected)) {dothetotal = false; alert("Please press the 'Total Your Expenses' button before proceeding.")}
	totalcashsourceslastyear = parseFloat(document.account4.totalcashsourceslastyear.value);
	totalcashsourcesprojected = parseFloat(document.account4.totalcashsourcesprojected.value);
	if (isNaN(totalcashsourceslastyear) || isNaN(totalcashsourcesprojected)) {dothetotal = false; alert("Please press the 'Total Your Income' button before proceeding.")}

	if (dothetotal) {

		if (totalcashsourceslastyear < totalusesofcashlastyear) {
			Total = parseFloat(totalusesofcashlastyear - totalcashsourceslastyear);
			negative = true;
		}
		else {
			Total = parseFloat(totalcashsourceslastyear - totalusesofcashlastyear);
		}
						
		if (totalcashsourcesprojected < totalusesofcashprojected) {
			Total1 = parseFloat(totalusesofcashprojected - totalcashsourcesprojected);
			negative1 = true;
		}
		else {
			Total1 = parseFloat(totalcashsourcesprojected - totalusesofcashprojected);
		}
		
		Total = convertToDollar(Total);
		Total1 = convertToDollar(Total1);
		
		if (negative) {
			Total = "-" + Total;
		}
		if (negative1) {
			Total1 = "-" + Total1;
		}
		
		//assign the total values
		document.account4.netcashflowlastyear.value = Total;
		document.account4.netcashflowprojected.value = Total1;
	}	
	
}