function chk_valid(input, min, max, msg) {
    msg = "The " + msg + " value";
    var value_string = input.value;
    for (var i = 0; i < value_string.length; i++) {
        var ch = value_string.substring(i, i + 1)
        if ((ch < "0" || "9" < ch) && ch != '.') {
            alert(msg);
            return false;
        }
    }

    var num = 0 + value_string
    if (num < min || max < num) {
        alert(msg + " needs to be between " + min + " and " + max + ".");
        return false;
    }

    input.value = value_string;
    return true;
}


function calcForm(form) {
    if ((form.Income.value == null || form.Income.value.length == 0) ||
        (form.YearsToGo.value == null || form.YearsToGo.value.length == 0) ||
        (form.Years.value == null || form.Years.value.length == 0) ||
        (form.Inflation.value == null || form.Inflation.value.length == 0) ||
        (form.Rate.value == null || form.Rate.value.length == 0)){
        return;
    }

    if (!chk_valid(form.Income, 1, 10000000, "Income") ||
        !chk_valid(form.YearsToGo, 1, 100, "Years To Go") ||
        !chk_valid(form.Years, 1, 100, "Years") ||
        !chk_valid(form.Inflation, 0, 99, "Inflation") ||
        !chk_valid(form.Rate, .001, 99, "Interest Rate")) {
        form.Income.value = "Invalid";
        return;
    }
    
    income = parseInt(form.Income.value)
    int_rate = parseFloat(form.Rate.value)
    inf_rate = parseFloat(form.Inflation.value)
    yearsTogo = parseInt(form.YearsToGo.value)
    Years = parseInt(form.Years.value)
    Total = 0
    parent.left.Income=income
    parent.left.YearsToGo=yearsTogo
    parent.left.Years=Years
    parent.left.Inflation=inf_rate
    parent.left.Rate=int_rate
    
  inf_ratio = 1 + inf_rate/100 // inflation ratio
  fut_inc = income * Math.pow(inf_ratio, yearsTogo) // future income
  parent.left.FutureV=roundDollarC(fut_inc)

  r_iy = int_rate/100; r_oinc = fut_inc; 
  if (inf_rate > 0) { fut_inc = fut_inc * Math.pow(inf_ratio, Years) }
  for (i=0; i<Years; i++)
  {
    if (inf_rate > 0) { fut_inc = fut_inc/ (1 + inf_rate/100); }
    Total = Total / (1 + r_iy) + fut_inc;
  }
  parent.left.Total=roundDollarC(Total)
}


function calcNestEgg(form) {
    if ((form.myIncome.value == null || form.myIncome.value.length == 0) ||
        (form.spIncome.value == null || form.spIncome.value.length == 0) ||
        (form.PV.value == null || form.PV.value.length == 0)){
        return;
    }

    if (!chk_valid(form.myIncome, 1, 10000000, "Your Annual Income") ||
        !chk_valid(form.spIncome, 0, 10000000, "Partners' Annual Income") ||
        !chk_valid(form.PV, 0, 10000000, "Investment Current Value")) {
        form.myIncome.value = "Invalid";
        return;
    }

    yearsTogo = parseInt(form.YearsToGo.value)
    income = parseInt(form.Income.value)
    int_rate = parseFloat(form.Rate.value)
    inf_rate = parseFloat(form.Inflation.value)
    Total = trimString(parent.left.Total)
    myIncome = parseInt(form.myIncome.value)
    spIncome = parseInt(form.spIncome.value)
    PV = parseInt(form.PV.value)
    FV = 0
    Payment = 0
    p_ATI = 0

    parent.left.Income=income
    parent.left.myIncome=myIncome
    parent.left.spIncome=spIncome
    parent.left.YearsToGo=yearsTogo
    parent.left.Inflation=inf_rate
    parent.left.Rate=int_rate
    parent.left.Years = parseInt(form.Years.value)
    parent.left.PV = roundDollarC(PV)

    FV=PV*Math.pow((1+int_rate/36500),(yearsTogo*365))
    goal = Total - FV
    
    CompoundInterest=int_rate/100;
    Payment=goal*CompoundInterest/(Math.pow((1+CompoundInterest),(yearsTogo))-1)
    if (Payment < 0) {Payment = 0}
		parent.left.Y_inv=roundDollarC(Payment)
		p_ATI=Payment/(myIncome+spIncome)
		p_ATI*=100
		parent.left.p_ATI=Math.round(p_ATI)
}


function calcDetail(form) {
    if ((form.Income.value == null || form.Income.value.length == 0) ||
        (form.YearsToGo.value == null || form.YearsToGo.value.length == 0) ||
        (form.Years.value == null || form.Years.value.length == 0) ||
        (form.Inflation.value == null || form.Inflation.value.length == 0) ||
        (form.Rate.value == null || form.Rate.value.length == 0)){
        return;
    }

    if (!chk_valid(form.Income, 1, 10000000, "Income") ||
        !chk_valid(form.YearsToGo, 1, 100, "Years To Go") ||
        !chk_valid(form.Years, 1, 100, "Years") ||
        !chk_valid(form.Inflation, 0, 99, "Inflation") ||
        !chk_valid(form.Rate, .001, 99, "Interest Rate")) {
        form.Income.value = "Invalid";
        return;
    }
    
    income = parseInt(form.Income.value)
    int_rate = parseFloat(form.Rate.value)
    inf_rate = parseFloat(form.Inflation.value)
    yearsTogo = parseInt(form.YearsToGo.value)
    Years = parseInt(form.Years.value)
    Total = 0
    parent.left.Income=income
    parent.left.YearsToGo=yearsTogo
    parent.left.Years=Years
    parent.left.Inflation=inf_rate
    parent.left.Rate=int_rate
    
  inf_ratio = 1 + inf_rate/100 // inflation ratio
  fut_inc = income * Math.pow(inf_ratio, yearsTogo) // future income
  parent.left.FutureV=roundDollarC(fut_inc)

  r_iy = int_rate/100; r_oinc = fut_inc; 
  if (inf_rate > 0) { fut_inc = fut_inc * Math.pow(inf_ratio, Years) }
  for (i=0; i<Years; i++)
  {
    if (inf_rate > 0) { fut_inc = fut_inc/ (1 + inf_rate/100); }
    Total = Total / (1 + r_iy) + fut_inc;
  }
  parent.left.Total=roundDollarC(Total)
  fut_inc = r_oinc;
  DetailWindow = window.open('', 'DetailWin', 'toolbar=no,location=no,scrollbars=yes,resizable=yes,width=450,height=350')
  DetailWindow.document.writeln("<HTML><HEAD><TITLE>Retirement Details<\/TITLE><\/HEAD><BODY BGCOLOR=\"#FFFFFF\" LINK=\"#0000FF\" VLINK=\"#800080\" TEXT=\"#000000\" onLoad=\"document.closeForm.closeButton.focus();\" TOPMARGIN=0 LEFTMARGIN=0 MARGINWIDTH=0 MARGINHEIGHT=0><CENTER><TABLE BORDER=0 CELLSPACING=0 CELLPADDING=0><TR VALIGN=TOP ALIGN=LEFT><TD WIDTH=10 HEIGHT=10><IMG SRC=\"clearpixel.gif\" WIDTH=10 HEIGHT=1 BORDER=0><\/TD><TD WIDTH=129><IMG SRC=\"clearpixel.gif\" WIDTH=129 HEIGHT=1 BORDER=0><\/TD><TD WIDTH=58><IMG SRC=\"clearpixel.gif\" WIDTH=58 HEIGHT=1 BORDER=0><\/TD><TD WIDTH=24><IMG SRC=\"clearpixel.gif\" WIDTH=24 HEIGHT=1 BORDER=0><\/TD><TD WIDTH=60><IMG SRC=\"clearpixel.gif\" WIDTH=60 HEIGHT=1 BORDER=0><\/TD><TD WIDTH=132><IMG SRC=\"clearpixel.gif\" WIDTH=132 HEIGHT=1 BORDER=0><\/TD><TD WIDTH=10><IMG SRC=\"clearpixel.gif\" WIDTH=10 HEIGHT=1 BORDER=0><\/TD><\/TR><TR VALIGN=TOP ALIGN=LEFT><TD COLSPAN=2><\/TD><TD WIDTH=142 COLSPAN=3><FORM NAME=\"closeForm\" ACTION=\"\" METHOD=POST><TABLE ID=\"Table2\" BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH=142><TR><TD WIDTH=142 HEIGHT=24><P><DIV ALIGN=\"CENTER\"><TABLE WIDTH=61 BORDER=0 CELLSPACING=0 CELLPADDING=0><TR><TD><INPUT TYPE=BUTTON NAME=\"closeButton\" VALUE=\"Close\" onClick=\"javascript:self.close()\" onBlur=\"javascript:self.close()\"><\/TD><\/TR><\/TABLE><\/DIV><\/TD><\/TR><\/TABLE><\/CENTER><\/FORM><\/TD><TD COLSPAN=2><\/TD><\/TR><TR VALIGN=TOP ALIGN=LEFT><TD COLSPAN=7 HEIGHT=20><\/TD><\/TR><TR VALIGN=TOP ALIGN=LEFT><TD><\/TD><TD WIDTH=403 COLSPAN=5><TABLE ID=\"Table3\" BORDER=0 CELLSPACING=3 CELLPADDING=1 WIDTH=403><TR><TD WIDTH=25 BGCOLOR=\"#99CCFF\"><P ALIGN=CENTER><B><FONT SIZE=\"-1\" FACE=\"Verdana,Tahoma,Arial,Helvetica\">Year<\/FONT><\/B><\/TD><TD WIDTH=75 BGCOLOR=\"#99CCFF\"><P ALIGN=CENTER><B><FONT SIZE=\"-1\" FACE=\"Verdana,Tahoma,Arial,Helvetica\">Beg Bal<\/FONT><\/B><\/TD><TD WIDTH=75 BGCOLOR=\"#99CCFF\"><P ALIGN=CENTER><B><FONT SIZE=\"-1\" FACE=\"Verdana,Tahoma,Arial,Helvetica\">Withdraw<\/FONT><\/B><\/TD><TD WIDTH=75 BGCOLOR=\"#99CCFF\"><P ALIGN=CENTER><B><FONT SIZE=\"-1\" FACE=\"Verdana,Tahoma,Arial,Helvetica\">Interest<\/FONT><\/B><\/TD><TD WIDTH=75 BGCOLOR=\"#99CCFF\"><P ALIGN=CENTER><B><FONT SIZE=\"-1\" FACE=\"Verdana,Tahoma,Arial,Helvetica\">End Bal<\/FONT><\/B><\/TD><\/TR>")

  for (i=1; i<=Years; i++)
  {
    bbal = Total;
    Total = Total - fut_inc; earn = Total * int_rate/100; Total = Total + earn;
    DetailWindow.document.writeln("<TR><TD WIDTH=25 BGCOLOR=\"#CCCCCC\"><P ALIGN=RIGHT><FONT SIZE=\"-1\" FACE=\"Verdana,Tahoma,Arial,Helvetica\">"+i+"<\/FONT><\/TD><TD WIDTH=75 BGCOLOR=\"#FFFFCC\"><P ALIGN=RIGHT><FONT SIZE=\"-1\" FACE=\"Verdana,Tahoma,Arial,Helvetica\">$"+roundDollarC(bbal)+"<\/FONT><\/TD><TD WIDTH=75 BGCOLOR=\"#FFFFCC\"><P ALIGN=RIGHT><FONT SIZE=\"-1\" FACE=\"Verdana,Tahoma,Arial,Helvetica\">$"+roundDollarC(fut_inc)+"<\/FONT><\/TD><TD WIDTH=75 BGCOLOR=\"#FFFFCC\"><P ALIGN=RIGHT><FONT SIZE=\"-1\" FACE=\"Verdana,Tahoma,Arial,Helvetica\">$"+roundDollarC(earn)+"<\/FONT><\/TD><TD WIDTH=75 BGCOLOR=\"#FFFFCC\"><P ALIGN=RIGHT><FONT SIZE=\"-1\" FACE=\"Verdana,Tahoma,Arial,Helvetica\">$"+roundDollarC(Total)+"<\/FONT><\/TD><\/TR>");
    if (inf_rate > 0) { fut_inc = fut_inc * (1 + inf_rate/100); }
  }

  DetailWindow.document.write("<\/TABLE><\/TD><TD><\/TD><\/TR><TR VALIGN=TOP ALIGN=LEFT><TD COLSPAN=7 HEIGHT=15><\/TD><\/TR><TR VALIGN=TOP ALIGN=LEFT><TD COLSPAN=3><\/TD><TD WIDTH=24><P>&nbsp; <\/TD><TD COLSPAN=3><\/TD><\/TR><\/TABLE><\/BODY><\/HTML>")
  DetailWindow.document.close()
}


function roundDollarC(amount)
{
  var s = "";
  var t = "";
  var comma;
  var i;

  amount = parseFloat(amount);
  if (!(isNaN(amount)))
  {
    // round to nearest dollar
    amount = Math.round(amount);
    amount = new String(amount);
    
    // format the output
    if (amount.length > 3)
    {
    	comma = 0
    	for (i = (amount.length - 1); i >= 0; i--)
    	{
    		s += amount.charAt(i)
    		comma++
    		mod=comma%3;
	    	if (mod == 0 && i != (amount.length - 1) && i != 0)
	    	{
	    		s += ",";
	    	}
    	}
	    for (i = (s.length - 1); i >= 0; i--)
	    {
				t += s.charAt(i);	
			}
    }
    else
    {
    	t = amount
    }
  }
  else
  {
	  // not a number so return zero
	  t = "0.00";
  }
  return t;
}


function trimString(inString) {
	var outString = "";
	var i;
	var ch;

	// where do we start?
	for (i = 0; i < inString.length; i++)
	{
		ch = inString.charAt(i);
//		alert("ch = "+ch)
		if (ch != ",")
		{
			outString += inString.charAt(i);
//			alert("outString = "+outString);
		}
	}
	return outString;
}


function calcHelp(what)
{
   info = "../calculators/help/help_"+what+".html"
   HelpWindow = window.open(info, 'HelpWin', 'toolbar=no,location=no,scrollbars=yes,resizable=yes,width=550,height=550')
}