var fixednumber;

function journal(msg) {
	if (document.journalform) {
		document.journalform.journal.value = msg + "\n" + document.journalform.journal.value;
	}
}
//</FORM>
//<FORM NAME="journalform">
//<TEXTAREA NAME="journal" COLS=50 ROWS=10 WRAP=VIRTUAL></TEXTAREA><INPUT TYPE="Reset" VALUE="Reset">

//consumer loan factors
consumerfactors = new Array();
consumerfactors[1] = .0223;
consumerfactors[2] = .0264;
consumerfactors[3] = .0333;
consumerfactors[4] = .0471;


function consumercalc() {
	cost = document.getElementById("cost").value;
	if (cost != '') {
		if (isNaN(parseInt(cost))) {
			document.getElementById("monthlypayment").value = '';
			alert('You must enter a number here.');
			document.getElementById("cost").select();
			document.getElementById("cost").focus();
		} else if (checknumber(cost)) {
			document.getElementById("monthlypayment").value = '';
			alert('This field does not accept non-numeric characters. Example: "' + cost + '" must be entered as "' + fixednumber + '".');
			document.getElementById("cost").value = fixednumber;
			document.getElementById("cost").select();
			document.getElementById("cost").focus();
			consumercalc();
		} else if (cost < 299 || cost > 25000) {
			document.getElementById("monthlypayment").value = '';
			alert('Bankers Leasing loan programs are limited to purchase amounts of between $299 and $25,000.');
			document.getElementById("cost").select();
			document.getElementById("cost").focus();
		} else {
		    term = Number(document.getElementById("term").value);
		    //term = document.getElementById("term").selectedIndex + 1;
			payment = cost*consumerfactors[term];
			payment = Math.ceil(payment);
			document.getElementById("monthlypayment").value = doubledecimal(payment);
		}
	} else {
		document.getElementById("monthlypayment").value = '';
	}
}

function doubledecimal(number) {
	front = parseInt(number);
	back = parseInt((number*100) - (front*100));
	if (isNaN(back)) {
		back = 0;
	}
	
	rounder1 = parseInt(number*1000);
	rounder2 = parseInt(number*100) * 10;
	rounder = rounder1 - rounder2;
	if (rounder > 4) {
		back++;
	}
	if (back == 100) {
		front++;
		back = 0;
	}
	if (back < 10) {
		back = '0' + back;
	}
	newnumber = front + '.' + back;

//	journal(" ");
//	journal('newnumber: ' + newnumber);
//	journal('rounder: ' + rounder);
//	journal('rounder2: ' + rounder2);
//	journal('rounder1: ' + rounder1);
//	journal('back: ' + back);
//	journal('front: ' + front);
//	journal('orig: ' + number);
	return(newnumber);
}

function checknumber(number) {
//	journal(number.length);
	flag = 0;
	fixednumber = '';
	for (i=0; i<number.length; i++) {
		thischar = number.substring(i,i+1);
//		journal(thischar);
//		journal(parseInt(thischar));
		if (isNaN(parseInt(thischar))) {
			flag = 1;
		} else {
			fixednumber = fixednumber + thischar;
		}
	}
//	journal('fixednumber: ' + fixednumber);
//	journal('flag: ' + flag);
	return(flag);
}