var endorse81 = 25;
var loanAmount = 0;
var ownersPolicy = 0;
var total = 0;
var mtgPremium = 0;
var endorse9 = 0;
var netPremium = 0;
var totalPremium = 0;
var current = 0;
var totalCredit = 0;
var docStamps = 0;
var intTax = 0;
var closingFee = 0;
var titleSearch = 0;

function calcRefinance()
{
if (document.refinance.loanAmount.value == 0)
    {  alert("Please enter the loan amount.");
	document.refinance.loanAmount.focus();
	return false;
    }

loanAmount =  parseFloat(document.refinance.loanAmount.value);
if (loanAmount > 1000000)
  { alert("Please call us at 561-997-8600 or e-mail us miznertitle@bellsouth.net for an accurate quote for title insurance. Thank you.");
	document.seller.salesPrice.focus();
	return false;
    }
if (loanAmount < 100001)
   { ownersPolicy = ((loanAmount/1000) * 5.75) 
    docStamps = ((loanAmount/1000) * 3.5)    
    intTax = ((loanAmount/1000) * 2.0)
   }
if (loanAmount > 100000)
   { ownersPolicy = ((((loanAmount - 100000)/1000)  * 5) + 575) 
    docStamps = ((loanAmount/1000) * 3.5)    
    intTax = ((loanAmount/1000) * 2.0)
   }
if (loanAmount <= 199999.99)
  { titleSearch = 100;
    closingFee = 400;
  }
if (loanAmount >= 200000)
  { titleSearch = 100;
    closingFee = 400;
  }
if (ownersPolicy < 350)
   { ownersPolicy = 350.0009;
   }

current = parseFloat(document.refinance.current.value);
if (ownersPolicy == 350.0009)
  { current = 0 }
if (current == 0)
        { current = 0 }
if (current > loanAmount)
	{ current = loanAmount }
if (current < 100001)
  { totalCredit = ((current/1000) * 2.45) }
if (current > 100000)
  { totalCredit = ((((current - 100000)/1000)  * 2) + 245)}
//if (totalCredit < 300)		//minimum?
//  { totalCredit = 300; }

netPremium = ownersPolicy - totalCredit; //same as mtg title prem.
if (netPremium < 350)
  { netPremium = 350.0009; }
endorse9 = parseFloat((netPremium)*.1);
if (endorse9 <= 35.00009)
{ endorse9 = 25; }
if (document.refinance.balloon.checked == true)
{ total = total + 25; }
if (document.refinance.adjustable.checked == true)
{ total = total + 25; }
if (document.refinance.condo.checked == true)
{ total = total + 25; }
if (document.refinance.master.checked == true)
{ total = total + 25; }

totalPremium = netPremium + closingFee + titleSearch + endorse81 + total + endorse9;
ownersPolicy = roundOff(ownersPolicy);
endorse9 = roundOff(endorse9);
totalCredit = roundOff(totalCredit);
docStamps = roundOff(docStamps);
intTax = roundOff(intTax);

document.refinance.mtgPremium.value = currency(netPremium);
document.refinance.current.value = currency(document.refinance.current.value);
document.refinance.premium.value = currency(ownersPolicy);
document.refinance.netPremium.value = currency(netPremium);
document.refinance.loanAmount.value = currency(loanAmount);

document.refinance.endorseOther.value = currency(total);
document.refinance.totalCredit.value = currency(totalCredit);
document.refinance.endorse9.value = currency(endorse9);
document.refinance.totalPremium.value = currency(totalPremium);
document.refinance.docStamps.value = currency(docStamps);
document.refinance.intTax.value = currency(intTax);
document.refinance.endorse81.value = currency(endorse81);
document.refinance.closingFee.value = currency(closingFee);
document.refinance.titleSearch.value = currency(titleSearch);
}
function clearVars()
{
loanAmount = 0;
ownersPolicy = 0;
total = 0;
loanAmount = 0;
mtgPremium = 0;
endorse9 = 0;
netPremium = 0;
totalPremium = 0;
current = 0;
totalCredit = 0;
docStamps = 0;
intTax = 0;
closingFee = 0;
titleSearch = 0;
}

function roundOff(value)
{
        value = "" + value 
        precision = 2;
        var whole = "" + Math.round(value * Math.pow(10, precision));
        var decPoint = whole.length - precision;
        if(decPoint != 0)
        {      result = whole.substring(0, decPoint);
                result += ".";
                result += whole.substring(decPoint, whole.length);
        }
        else
        { result = whole; }
        return result;
}
function currency(number) {
   anynum=eval(number)
   workNum=Math.abs((Math.round(number*100)/100));workStr=""+workNum
   if (workStr.indexOf(".")==-1){workStr+=".00"}
   dStr=workStr.substr(0,workStr.indexOf("."));dNum=dStr-0
   pStr=workStr.substr(workStr.indexOf("."))
   while (pStr.length<3){pStr+="0"}
   if (dNum>=1000) {
      dLen=dStr.length
      dStr=parseInt(""+(dNum/1000))+","+dStr.substring(dLen-3,dLen)
   }
   if (dNum>=1000000) {
      dLen=dStr.length
      dStr=parseInt(""+(dNum/1000000))+","+dStr.substring(dLen-7,dLen)
   }
   retval = dStr + pStr 
   if (number<0) {retval="("+retval+")"}
   return "$"+retval
}