function click(e) {
if (document.all) {
if (event.button==2||event.button==3) {
alert(message);
return false;
}
}
if (document.layers) {
if (e.which == 3) {
alert(message);
return false;
}
}
}
if (document.layers) {
document.captureEvents(Event.MOUSEDOWN);
}
document.onmousedown=click;



function fixFloatFormat(input) {

	if ((input.value == 0) && (input.length == null)) {

		input.value = "0.00";

	}

	var temp = eval(input.value) + 0.005

	var cents = "" + (100 + Math.floor((temp - Math.floor(temp)) * 100));

	var dollars = "" + Math.floor(temp);

	input.value = dollars + "." + cents.substring(1,3);

	return true;

}



function calcPeriod(input) {

	var output = 1;

	if (input == 0) {

		output = 12;

	}

	return output;

}



function approxRate(loan,period,monthly) {

	var xOld=0;

	var n = period;

	var z = monthly/loan;

	var x=1.1;

	if ((eval(loan) == 0) || (eval(period) == 0) || (eval(monthly) == 0)) {

		return "0.00";

	}

	while (Math.floor((xOld-1)*10000) != Math.floor((x-1)*10000)) {

		xOld=x;

		x=xOld - ((Math.pow(xOld,n+1) - (Math.pow(xOld,n) * (z + 1)) +z) / (((n + 1) * Math.pow(xOld,n)) - (n * (z + 1) * Math.pow(xOld,n - 1))));

	}

	return (1200 * (x - 1));

}

function calcMonthlyPay(interest,loan,year,period) {

	var numerator, denominator, periods, interestRate = 0;

	var i = interest;

		if (i > 1.0) {

        	i = i * 0.01;

        }

    interestRate = i / 12;

    periods = year * calcPeriod(period);

    numerator = loan * interestRate * Math.pow(1 + interestRate, periods);

    denominator = Math.pow(1 + interestRate, periods) - 1;

    monthlypay = numerator / denominator;

	return monthlypay;

} //end calcMonthlyPay



function calcApr(form) {

	fixFloatFormat(form.loan);

	if (form.interest.value < 1.0) {

       	form.interest.value = 100 * form.interest.value;

    }


	fixFloatFormat(form.interest);

	var i = form.points.value;
	
       	i = i * 0.01;

	
	fixFloatFormat(form.points);

	fixFloatFormat(form.ins);

	var loan = (((form.loan.value - (form.loan.value*(form.points.value*.01)))-(form.loan.value*(form.dpoints.value*.01)) - form.costs.value) - form.ins.value);

	var period = form.years.value * calcPeriod(form.period.selectedIndex);

	form.apr.value = approxRate(loan,period,calcMonthlyPay(form.interest.value,form.loan.value,form.years.value,form.period.selectedIndex));

	fixFloatFormat(form.apr);

	return true;

}