function verify() {
	var themessage = "You are required to complete the following fields: ";
	if (document.form.Defendant_1.value=="") {
	themessage = themessage + " - Borrower Name";
	}
	if (document.form.Mortgage_1_Amount.value=="") {
	themessage = themessage + " - Mortgage Amount";
	}
	if (document.form.Plaintiff_1.value=="") {
	themessage = themessage + " - Mortgage Lender";
	}
	if (document.form.email.value=="") {
	themessage = themessage + " - E-mail";
	}
	if (document.form.phone.value=="") {
	themessage = themessage + " - Phone";
	}
	if (document.form.Property_Address.value=="") {
	themessage = themessage + " - Address";
	}
	if (document.form.Property_City.value=="") {
	themessage = themessage + " - City";
	}
	if (document.form.Property_State.value=="") {
	themessage = themessage + " - State";
	}
	if (document.form.Property_Zip_Code.value=="") {
	themessage = themessage + " - Zip";
	}
	//alert if fields are empty and cancel form submit
	if (themessage == "You are required to complete the following fields: ") {
	document.form.submit();
	}
	else {
	alert(themessage);
	return false;
	   }
	}
	//  End -->
    function get_interest_factor(year_term, monthly_interest_rate) {
        
        factor      = 0;
        base_rate   = parseFloat(1 + monthly_interest_rate);
        denominator = base_rate;
        for (i=0; i < (year_term * 12); i++) {
            factor += parseFloat((1 / denominator));
            denominator *= base_rate;
        }
        return factor;
    }        

	function formatCurrency(num) {
		num = num.toString().replace(/\$|\,/g,'');
		if(isNaN(num))
		num = "0";
		sign = (num == (num = Math.abs(num)));
		num = Math.floor(num*100+0.50000000001);
		cents = num%100;
		num = Math.floor(num/100).toString();
		if(cents<10)
		cents = "0" + cents;
		for (var i = 0; i < Math.floor((num.length-(1+i))/3); i++)
		num = num.substring(0,num.length-(4*i+3))+','+
		num.substring(num.length-(4*i+3));
		return (((sign)?'':'-') + '$' + num + '.' + cents);
	}	
	
	function bo_income_debt()
	{
		var frm = document.frmprincipal;
		document.getElementById('bo_total_income').value = 100
		
		//total = frm.bo_base_salary.value+frm.bo_bonuses.value+frm.bo_net_rental_income+frm.bo_2nd_job_income+frm.bo_other;
		
		//frm.bo_total_income.value = total;
	}
<!--
function checkForZero(field)
{
    if (field.value == 0 || field.value.length == 0) {
        alert ("This field can't be 0!");
        field.focus(); }
    else
        calculatePayment(field.form);
}

function submitform()
{
 if(document.form.onsubmit())
 {//this check triggers the validations
    document.form.submit();
 }
}

function validate_required(field,alerttxt)
{
with (field) {
  if (value==null||value=="")
    { alert(alerttxt);return false; }
  else { return true; }
  }
}

function validate_email(field,alerttxt)
{
with (field)
  {
  apos=value.indexOf("@");
  dotpos=value.lastIndexOf(".");
  if (apos<1||dotpos-apos<2)
    {alert(alerttxt);return false;}
  else {return true;}
  }
}
function number_required(field,alerttxt)
{
with (field) {
  if (value.length==0||value==0)
    { alert(alerttxt);return false; }
  else
    { return true; }
  }
}

function validate_form(thisform)
{
with (thisform)
  {
  totMortgage = parseFloat(Mortgage_1_Amount.value) + parseFloat(Mortgage_2_Amount.value);
  upsidedown = (totMortgage - parseFloat(Assessed_Value.value))/parseFloat(Assessed_Value.value)*100;

  if (validate_required(Defendant_1,"Name must be filled out!")==false)
  {Defendant_1.focus();return false;}
  if (validate_email(email,"Not a valid e-mail address!")==false)
  {email.focus();return false;}
  if (number_required(Mortgage_1_Amount,"The 1st Mortgage Amount field can't be 0!")==false)
  {Mortgage_1_Amount.focus();return false;}
  if (validate_required(Plaintiff_1,"1st Mortgage Lender Name must be filled out!")==false)
  {Plaintiff_1.focus();return false;}
  if (number_required(Assessed_Value,"The Current Market field can't be 0!")==false)
  {Assessed_Value.focus();return false;}
  if (number_required(Borrower_Base_Salary,"The Borrower Base Salary field can't be 0!")==false)
  {Borrower_Base_Salary.focus();return false;}
  if (number_required(Current_1st_Mortgage,"The Monthly Mortgage Payment Amount field can't be 0!")==false)
  {Current_1st_Mortgage.focus();return false;}
  if (Assessed_Value.value > totMortgage)
  {  alert("The current market value is greater than your mortgage!"+upsidedown);return false; }
  if (upsidedown <= 25)
  {  alert("Your mortgage has to be upside down at least 25% to qualify! Based on your input, it's only "+upsidedown.toFixed(2)+"% up side down.");return false; }
  }
}

function calculate(form)
{
	Interest_Rate = 7.25 ;
	Prime_Rate = 3.25 ;
	year_term = 30;
	down_percent = 10;
	
	down_payment            = parseFloat(form.Assessed_Value.value * (down_percent / 100));
	annual_interest_rate    = parseFloat(Interest_Rate / 100);
	monthly_interest_rate   = parseFloat(annual_interest_rate / 12);
	financing_price         = parseFloat(form.Assessed_Value.value - down_payment);
	monthly_factor          = parseFloat(get_interest_factor(year_term, monthly_interest_rate));
	monthly_payment		    = parseFloat(financing_price / monthly_factor);
	
	form.Loan_Amount.value  = financing_price.toFixed(2);
	form.Proposed_1st_Mortgage.value = monthly_payment.toFixed(2);

	form.Proposed_Property_Tax.value = form.Current_Property_Tax.value;
	form.Proposed_Insurance.value = form.Current_Insurance.value; 
	form.Proposed_HOA.value = form.Current_HOA.value; 
	form.Proposed_Other.value = form.Current_Other.value;
	form.Proposed_2nd_Mortgage.value = 0;
	form.Current_Total_Housing.value = parseFloat(form.Current_1st_Mortgage.value) + parseFloat(form.Current_2nd_Mortgage.value) + parseFloat(form.Current_Property_Tax.value) + parseFloat(form.Current_Insurance.value) + parseFloat(form.Current_HOA.value) + parseFloat(form.Current_Other.value) ;
	form.Proposed_Total_Housing.value = parseFloat(form.Proposed_1st_Mortgage.value) + parseFloat(form.Proposed_2nd_Mortgage.value) + parseFloat(form.Proposed_Property_Tax.value) + parseFloat(form.Proposed_Insurance.value) + parseFloat(form.Proposed_HOA.value) + parseFloat(form.Proposed_Other.value) ;
	
	form.Borrower_Total_Income.value = formatCurrency(parseFloat(form.Borrower_Base_Salary.value) + parseFloat(form.Borrower_Bonuses.value) + parseFloat(form.Borrower_Net_Rental_Income.value) + parseFloat(form.Borrower_2nd_Job_Income.value) + parseFloat(form.Borrower_Other.value));
	form.CoBorrower_Total_Income.value = formatCurrency(parseFloat(form.CoBorrower_Base_Salary.value) + parseFloat(form.CoBorrower_Bonuses.value) + parseFloat(form.CoBorrower_Net_Rental_Income.value) + parseFloat(form.CoBorrower_2nd_Job_Income.value) + parseFloat(form.CoBorrower_Other.value));

	form.Total_Debt.value = parseFloat(form.Debt_Credit_Card.value) + parseFloat(form.Debt_Auto_Loan.value) + parseFloat(form.Debt_Others.value);

	form.Total_Income.value = "";
	form.Proposed_Housing.value = "";
	form.DTI_Total_Debt.value = "";
	form.DTI_Ratio.value = "";
	form.Net_Monthly_Savings.value = "";
	form.Net_Yearly_Savings.value = "";
	form.Positive_Equity_Gained.value = "";
	form.Negative_Equity_Eliminated.value ="";
	form.programMsg.value = "Please complete the form above and click on the button below to calculate your principal reduction.";

	
    //princ = form.price.value - form.dp.value;
    //intRate = (form.ir.value/100) / 12;
    //months = form.term.value * 12;
    //form.pmt.value = Math.floor((princ*intRate)/(1-Math.pow(1+intRate,(-1*months)))*100)/100;
    //form.principle.value = princ;
    //form.payments.value = months;
}