function calculate() {
// Get the user's input from the form. Assume it is all valid.
// Convert interest from a percentage to a decimal, and convert from
// an annual rate to a monthly rate. Convert payment period in years
// to the number of monthly payments.
var monthlypayment = document.loandata.monthlypayment.value;
var maintenancefees = document.loandata.maintenancefees.value;
var peryear = document.loandata.peryear.value;
//MFM
var MemebershipDues = document.loandata.membershipdues.value;
var ExchangeFees = document.loandata.exchangefees.value;
// Now compute the monthly payment figure, using esoteric math.
// var x = Math.pow(1 + interest, payments);
// var monthly = (principal*x*interest)/(x-1);
var monthlypaymentx12months = (monthlypayment * 12);
var maintenancex12months = (maintenancefees * peryear);
var paymentandmaintenance = (monthlypaymentx12months + maintenancex12months);
var yearlypaymentx10years = (monthlypaymentx12months *10);
var yearlymaintenancex10years = (((maintenancefees*peryear) *10)*1.55133);
var total10yearpaymentandmaintenance = (yearlypaymentx10years + yearlymaintenancex10years);
//MFM
var MembershipDuesExchangeFeesx10 = (round(MemebershipDues) + round(ExchangeFees)) * 10;
var AnnualTimeShareCost = round(((round(yearlypaymentx10years) + round(yearlymaintenancex10years) + round(MembershipDuesExchangeFeesx10))/10));
// Check that the result is a finite number. If so, display the results
// if (!isNaN(monthly) &&
// (monthly != Number.POSITIVE_INFINITY) &&
// (monthly != Number.NEGATIVE_INFINITY)) {
document.loandata.monthlypaymentx12months.value = round(monthlypaymentx12months);
document.loandata.maintenancex12months.value = round(maintenancex12months);
document.loandata.paymentandmaintenance.value = round(paymentandmaintenance);
document.loandata.yearlypaymentx10years.value = round(yearlypaymentx10years);
document.loandata.yearlymaintenancex10years.value = round(yearlymaintenancex10years);
document.loandata.total10yearpaymentandmaintenance.value = round(total10yearpaymentandmaintenance);
// MFM
document.loandata.total10yearpaymentandmaintenance.value = round(round(yearlypaymentx10years) + round(yearlymaintenancex10years) + round(MembershipDuesExchangeFeesx10));
document.loandata.membershipplusexchangex10years.value = round(MembershipDuesExchangeFeesx10);
document.loandata.anualtimesharevacationcost.value = AnnualTimeShareCost;
// }
// Otherwise, the user's input was probably invalid, so don't
// display anything.
// else {
// document.loandata.payment.value = "nope";
// document.loandata.total.value = "nope";
// document.loandata.totalinterest.value = "nope";
// }
}
// This simple method rounds a number to two decimal places.
function round(x) {
return Math.round(x*100)/100;
}




// EXTRA CODES //

function MM_preloadImages() { //v3.0
  var d=document; if(d.images){ if(!d.MM_p) d.MM_p=new Array();
    var i,j=d.MM_p.length,a=MM_preloadImages.arguments; for(i=0; i<a.length; i++)
    if (a[i].indexOf("#")!=0){ d.MM_p[j]=new Image; d.MM_p[j++].src=a[i];}}
}


function clearText(field){

    if (field.defaultValue == field.value) field.value = '';
    else if (field.value == '') field.value = field.defaultValue;

}


function validateForm() {
	var name = document.getElementById("s_name");
	var email = document.getElementById("s_email");
	var message = document.getElementById("s_message");
	var err = false;
	var errmsg = "";
	var filter  = /^([a-zA-Z0-9_\.\-])+\@(([a-zA-Z0-9\-])+\.)+([a-zA-Z0-9]{2,4})+$/;
	if(trimAll(name.value).length<1) {
		errmsg += "\nYour name is required.";
		err = true;
	}
	if(!filter.test(email.value)) {
		errmsg += "\nEmail must be valid.";
		err = true;
	}
	if(trimAll(message.value).length<1) {
		errmsg += "\nMessage is required.";
		err = true;
	}
	if(err) {
		errmsg = "Following error(s) occurred:\n" + errmsg;
		alert(errmsg);
		return false;
	}
	else {
		document.getElementById("form1").submit();
	}
}

function trimAll(sString) {
	while (sString.substring(0,1) == ' ') {
		sString = sString.substring(1, sString.length);
	}
	while (sString.substring(sString.length-1, sString.length) == ' ') {
		sString = sString.substring(0,sString.length-1);
	}
	return sString;
}

function MM_preloadImages() { //v3.0
  var d=document; if(d.images){ if(!d.MM_p) d.MM_p=new Array();
    var i,j=d.MM_p.length,a=MM_preloadImages.arguments; for(i=0; i<a.length; i++)
    if (a[i].indexOf("#")!=0){ d.MM_p[j]=new Image; d.MM_p[j++].src=a[i];}}
}