function MCalc() {
	form = document.CalcForm;
  Loan = form.Loan.value;
  Down = form.Down.value;
  Rate = form.Rate.value/100;
  Years = form.Years.value;
  if (Down == "") { Down = "0" }
  MonthlyRate = Rate / 12;
  NmbrPayments = Years * 12;
  Principal = Loan-Down;
  fMonthlyPayment = Math.floor((Principal*MonthlyRate)/(1-Math.pow((1+MonthlyRate),(-1*NmbrPayments)))*100)/100;
  var MonthlyPayment = getObjectById('MonthlyPayment');
	if (MonthlyPayment) {
		MonthlyPayment.innerHTML = fMonthlyPayment;
	}
//	form.MonthlyPayment.value = fMonthlyPayment;
}

function getObjectById(id){
	var obj;
	if(document.getElementById){
		obj = document.getElementById(id);
	} else if(document.layers){
		obj = document.layers[id];
	} else {
		obj = document.all.item(id);
	}
	return obj;
}

function Allow() { 
  form=document.AllowForm;
  Agrinc=form.Agrinc.value;
  Mgrinc=Agrinc/12;
  MexpB=Mgrinc*.28
  MaxallowA=Mgrinc*.36

  Child=form.child.value;
  Auto=form.auto.value;
  Asstn=form.asstn.value;
  Other=form.other.value;
  Obligations= parseInt(Child) + parseInt(Auto) + parseInt(Asstn) + parseInt(Other);

  MexpA=MaxallowA-Obligations;

  if (MexpA < MexpB) {
	Mexp=MexpA;
  } else {
	Mexp=MexpB;
  }
  Mexp = Mexp * 100 / 1.2;
  Mexp = Math.round(Mexp);
  Mexp = Mexp / 100;
  form.Mexp.value = Mexp;


  MexpAT = Mexp / 1.2;
  Down=form.Down.value;
  Rate=form.Rate.value/100;
  Years=form.Years.value;
  MonthlyRate=Rate/12;
  NmbrPayments=Years*12;
  
  Principal=((1-Math.pow((1+MonthlyRate),(-1*NmbrPayments)))*MexpAT)/MonthlyRate;
  PrincipalAT=Math.floor(Principal*100)/100
  Principal=PrincipalAT

  Loan = parseInt(Principal) + parseInt(Down);  
  form.Loan.value = Loan;
}