//*******************************************
//  This calculator was originaly based on a script by Daniel C. Peterson
// but with the permission of WebWinder Services has been modified and extended
// to provide more advanced functionality and reporting.
//  
// The original script remains the copywrite of Daniel C. Perterson while the extensions 
// are the copyright of MortgageCalculatorAmortization.org and may not be reproduced.
//  These extension are mainly based around extnding the interface and providing calculations and graphing
// related to the principal balance and cumulative interest by month and the interst and principal components of monthly payments by month.
//
// The copyright for the original script is as follows:
//
//
//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Mortgage Payment Calculator w/Amortization V1.1
//2003 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 08/28/2003
//Last Modified: 10/26/2009
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:6615-1402-107-1357
//Commercial Licence Date:2010-03-30
//*******************************************



function computeMonthlyPayment(prin, numPmts, intRate) {

var pmtAmt = 0;

if(intRate == 0) {
   pmtAmt = prin / numPmts;
} else {
   
   if (intRate >= 1.0) {
     intRate = intRate / 100.0;
   }
   intRate /= 12;

   var pow = 1;
   for (var j = 0; j < numPmts; j++)
      pow = pow * (1 + intRate);

   pmtAmt = (prin * pow * intRate) / (pow - 1);

}

return pmtAmt;

}




function sn(num) {

   num=num.toString();


   var len = num.length;
   var rnum = "";
   var test = "";
   var j = 0;

   var b = num.substring(0,1);
   if(b == "-") {
      rnum = "-";
   }

   for(i = 0; i <= len; i++) {

      b = num.substring(i,i+1);

      if(b == "0" || b == "1" || b == "2" || b == "3" || b == "4" || b == "5" || b == "6" || b == "7" || b == "8" || b == "9" || b == ".") {
         rnum = rnum + "" + b;

      }

   }

   if(rnum == "" || rnum == "-") {
      rnum = 0;
   }

   rnum = Number(rnum);

   return rnum;

}



function fns(num, places, comma, type, show) {

    var sym_1 = "$";
    var sym_2 = ""; 

    var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = Number(myPlaces) + Number(1);
       myZeros = myZeros + "0";
    }
    
	onum=Math.round(num*myDecFact)/myDecFact;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

   if(places > 0) {
      decimal = "." + decimal;
   }

   if(comma == 1) {
	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}


	finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }

    if(isNeg == 1) {
       if(type == 1 && show == 1) {
          finNum = "-" + sym_1 + "" + finNum + "" + sym_2;
       } else {
          finNum = "-" + finNum;
       }
    } else {
       if(show == 1) {
          if(type == 1) {
             finNum = sym_1 + "" + finNum + "" + sym_2;
          } else
          if(type == 2) {
             finNum = finNum + "%";
          }

       }

    }

	return finNum;
}


function computeForm(form) {

   var Vprincipal = sn(document.calc.principal.value);
   var VintRate = sn(document.calc.intRate.value);
   var VnumYears = sn(document.calc.numYears.value);

   if(Vprincipal == 0) {
      alert("Please enter the mortgage's principal amount.");
      document.calc.principal.focus();
   } else
   if(VintRate == 0) {
      alert("Please enter the mortgage's annual interest rate.");
      document.calc.intRate.focus();
   } else
   if(VnumYears == 0) {
      alert("Please enter the mortgage's term in number of years.");
      document.calc.numYears.focus();
   } else {

      var VannualTax = sn(document.calc.annualTax.value);
      var VmonthlyTax =0;
      VmonthlyTax = VannualTax / 12;
      VmonthlyTax *= 100;
      VmonthlyTax = Math.round(VmonthlyTax);
      VmonthlyTax /= 100;

      var VannualInsurance = sn(document.calc.annualInsurance.value);
      var VmonthlyInsurance = 0;
      VmonthlyInsurance = VannualInsurance / 12;
      VmonthlyInsurance *= 100;
      VmonthlyInsurance = Math.round(VmonthlyInsurance);
      VmonthlyInsurance /= 100;

      var VmonthlyPMI = sn(document.calc.monthlyPMI.value);

      var VotherPmts = Number(VmonthlyTax) + Number(VmonthlyInsurance) + Number(VmonthlyPMI);

      var VnumPmts = VnumYears * 12;

      var VpmtAmt = computeMonthlyPayment(Vprincipal, VnumPmts, VintRate);
      var VtotalMtgPmt = Number(VpmtAmt) + Number(VotherPmts);

      document.calc.monthlyPI.value = fns(VpmtAmt,2,1,1,1);
      document.calc.otherPmts.value = fns(VotherPmts,2,1,1,1);
      document.calc.monthlyPmt.value = fns(VtotalMtgPmt,2,1,1,1);

 	graphOverallSeries()
  	graphMonthlySeries()
   }
      clicky.log('#calculate/home');

}



function monthlyAmortSched(form) {

   var Vprincipal = sn(document.calc.principal.value);
   var VintRate = sn(document.calc.intRate.value);
   var VnumYears = sn(document.calc.numYears.value);

   if(Vprincipal == 0) {
      alert("Please enter the mortgage's principal amount.");
      document.calc.principal.focus();
   } else
   if(VintRate == 0) {
      alert("Please enter the mortgage's annual interest rate.");
      document.calc.intRate.focus();
   } else
   if(VnumYears == 0) {
      alert("Please enter the mortgage's term in number of years.");
      document.calc.numYears.focus();
   } else {

      var VannualTax = sn(document.calc.annualTax.value);
      var VmonthlyTax =0;
      VmonthlyTax = VannualTax / 12;
      VmonthlyTax *= 100;
      VmonthlyTax = Math.round(VmonthlyTax);
      VmonthlyTax /= 100;

      var VannualInsurance = sn(document.calc.annualInsurance.value);
      var VmonthlyInsurance = 0;
      VmonthlyInsurance = VannualInsurance / 12;
      VmonthlyInsurance *= 100;
      VmonthlyInsurance = Math.round(VmonthlyInsurance);
      VmonthlyInsurance /= 100;

      var VmonthlyPMI = sn(document.calc.monthlyPMI.value);

      var VotherPmts = Number(VmonthlyTax) + Number(VmonthlyInsurance) + Number(VmonthlyPMI);

      var VnumPmts = VnumYears * 12;

      var pmtAmt = computeMonthlyPayment(Vprincipal, VnumPmts, VintRate);
      var VtotalMtgPmt = Number(pmtAmt) + Number(VotherPmts);

      var prin = Vprincipal;
      var Vint = VintRate;
      if(Vint >= 1) {
         Vint /= 100;
         }
      Vint /= 12;

      var nPer = VnumPmts;
      var intPort = 0;
      var accumInt = 0;
      var prinPort = 0;
      var accumPrin = 0;
      var count = 0;
      var pmtRow = "";
      var pmtNum = 0;

      var today = new Date();
      var dayFactor = today.getTime();
      var pmtDay = today.getDate();
      if(pmtDay > 28) {
         pmtDay = 28;
      }
      var loanMM = today.getMonth() + 1;
      var pmtMonth = loanMM;
      var loanYY = today.getYear();
      if(loanYY < 1900) {
         loanYY += 1900;
      }
      var pmtYear = loanYY;

      var loanDate = (loanMM + "/" + pmtDay + "/" + loanYY);
      var pmtDate = 0;
      var displayPmtAmt = 0;
      var accumYearPrin = 0;
      var accumYearInt = 0;

      while(count < nPer) {

         if(count < (nPer - 1)) {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = Number(pmtAmt) - Number(intPort);
            prinPort *= 100;
            prinPort = Math.round(prinPort);
            prinPort /= 100;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = Number(prin) - Number(prinPort);

            displayPmtAmt = Number(prinPort) + Number(intPort);



         } else {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = prin;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = 0;

            //pmtAmt = Number(intPort) + Number(prinPort);
            displayPmtAmt = Number(prinPort) + Number(intPort);
         }

         count = Number(count) + Number(1);

         pmtNum = Number(pmtNum) + Number(1);

         pmtMonth = pmtMonth + 1;

         if(pmtMonth > 12) {
            pmtMonth = 1;
            pmtYear += 1;
         }




         pmtString = (pmtMonth + "/" + pmtDay + "/" + pmtYear);

         pmtRow += "<tr><td align='right'><font face='arial'><small>" + pmtNum + "</small></font>";
         pmtRow += "</td><td align='right'><font face='arial'><small>" + pmtString + "</small>";
         pmtRow += "</font></td><td align='right'><font face='arial'>";
         pmtRow += "<small>" + fns(prinPort,2,1,1,1) + "</small></font></td>";
         pmtRow += "<td align='right'><font face='arial'>";
         pmtRow += "<small>" + fns(intPort,2,1,1,1) + "</small></font></td>";
         pmtRow += "<td align='right'><font face='arial'>";
         pmtRow += "<small>" + fns(displayPmtAmt,2,1,1,1) + "</small></font></td>";
         pmtRow += "<td align='right'><font face='arial'>";
         pmtRow += "<small>" + fns(prin,2,1,1,1) + "</small></font></td></tr>";

         if(pmtMonth == 12 || count == nPer) {

            pmtRow += "<tr bgcolor='#dddddd'><td align='right'><font face='arial'><small>Total</small>";
            pmtRow += "</font></td><td align='right'><font face='arial'><small>" + pmtYear + "</small>";
            pmtRow += "</font></td><td align='right'><font face='arial'>";
            pmtRow += "<small>" + fns(accumYearPrin,2,1,1,1) + "</small></font></td>";
            pmtRow += "<td align='right'><font face='arial'>";
            pmtRow += "<small>" + fns(accumYearInt,2,1,1,1) + "</small></font></td>";
            pmtRow += "<td align='right'><font face='arial'><small> </small></font></td>";
            pmtRow += "<td align='right'><font face='arial'><small> </small></font></td></tr>";

            accumYearPrin = 0;
            accumYearInt = 0;

         }

         if(count > 600) {
         alert("Using your current entries you will never pay off this loan.");
            break;
         } else {
            continue;
         }

      }

      var part1 = "<html><head><title>Amortization Schedule</title></head>";
      part1 += "<b";
      part1 += "od";
      part1 += "y bgcolor= '#FFFFFF'>";
      part1 += "<br /><br /><center><font face='arial'><big><strong>";
      part1 += "Amortization Schedule</strong></big></font></center>";

      var part2 = "<center><table border=1 cellpadding=2 cellspacing=0><tr>";
      part2 += "<td colspan=6><font face='arial'><small><strong>Loan ";
      part2 += "Date: " + loanDate + "<br />Principal: " + fns(Vprincipal,2,1,1,1) + "<br />";
      part2 += "# of Payments: " + nPer + "<br />Interest Rate: " + fns(VintRate,3,0,2,1) + "";
      part2 += "<br />Payment: " + fns(pmtAmt,2,1,1,1) + "</strong></small></font></td></tr>";
      part2 += "<tr><td colspan=6><center><font face='arial'><strong>Schedule of Payments</strong>";
      part2 += "</font><br /><font face='arial'><small><small>Please allow for slight ";
      part2 += "rounding differences.</small></small></font></center></td></tr>";
      part2 += "<tr bgcolor='silver'><td align='center'><font face='arial'><small>";
      part2 += "<strong>Pmt #</strong></small></font></td><td align='center'><font face='arial'>";
      part2 += "<small><strong>Date</strong></small></font></td><td align='center'>";
      part2 += "<font face='arial'><small><strong>Principal</strong></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><strong>Interest</strong></small>";
      part2 += "</font></td><td align='center'><font face='arial'><small><strong>Payment</strong>";
      part2 += "</small></font></td><td align='center'><font face='arial'><small>";
      part2 += "<strong>Balance</strong></small></font></td></tr>";

      var totalPmts = Number(accumPrin) + Number(accumInt);

      var part4 = "<tr><td colspan='2'><font face='arial'><small><strong>Grand Total</strong>";
      part4 += "</small></font></td><td align='right'><font face='arial'><small>";
      part4 += "<strong>" + fns(accumPrin,2,1,1,1) + "</strong></small></font></td>";
      part4 += "<td align='right'><font face='arial'><small>";
      part4 += "<strong>" + fns(accumInt,2,1,1,1) + "</strong></small></font></td>";
      part4 += "<td><font face='arial'><small>";
      part4 += "<strong>" + fns(totalPmts,2,1,1,1) + "</strong></small></font></td>";
      part4 += "<td> </td></tr></table><br /><center><form method='post'>";
      part4 += "<input type='button' value='Close Window' onClick='window.close()'>";
      part4 += "</form></center></body></html>";

      var schedule = (part1 + "" + part2 + "" + pmtRow + "" + part4 + "");

      reportWin = window.open("","","width=500,height=400,toolbar=yes,menubar=yes,scrollbars=yes");
      reportWin.document.write(schedule);
      reportWin.document.close();

   }

}

function help(help_id,txt) {

   var help_cell = document.getElementById("help_" + help_id + "");
   help_cell.innerHTML = "<font face='arial'><small>" + txt + "</small></font>";

   for(var i = 1; i<3; i++) {

      if(i != help_id) {

         var clear_cell = document.getElementById("help_" + i + "");
         clear_cell.innerHTML = "";
      }
   }

}


function clear_results(form) {


   document.calc.monthlyPI.value = "";
   document.calc.otherPmts.value = "";
   document.calc.monthlyPmt.value = "";

}

function reset_calc(form) {

   var help_cell_1 = document.getElementById("help_1");
   help_cell_1.innerHTML = "";

   var help_cell_2 = document.getElementById("help_2");
   help_cell_2.innerHTML = "";
   
   clearSeries();

   document.calc.reset();

}



function clearSeries(){
    var d1 = [];
        d1.push([0,0]);
    
    var d2 = [];
        d2.push([0,0]);

    
    $.plot($("#placeholder"), [
        { label: "Principal Remaining",  data: d1},
        { label: "Cumulative Interest",  data: d2},
    ], {
        series: {
            lines: { show: true },
            points: { show: false }
        },
        grid: {
            backgroundColor: { colors: ["#fff", "#eee"] }
        }
    });
    $.plot($("#placeholder2"), [
        { label: "Principal Component",  data: d1},
        { label: "Interest Component",  data: d2},
    ], {
        series: {
            lines: { show: true },
            points: { show: false }
        },
        grid: {
            backgroundColor: { colors: ["#fff", "#eee"] }
        }
    });

}

function graphOverallSeries() {
    var d1 = calculateRemainingPrincipleSeries();
    
    var d2 = calculateCumulativeInterestSeries();

    
    $.plot($("#placeholder"), [
        { label: "Principal Remaining",  data: d1},
        { label: "Cumulative Interest",  data: d2}
    ], {
        series: {
            lines: { show: true },
            points: { show: false }
        },      
        zoom: {
            interactive: true
        },
        pan: {
            interactive: true
        },


        grid: {
            backgroundColor: { colors: ["#fff", "#eee"] }
        }
    });


}

function graphMonthlySeries() {
    var d1 = calculateMonthlyPrincipleSeries()
    
    var d2 = calculateMonthlyInterestSeries();

    
    $.plot($("#placeholder2"), [
        { label: "Principal Component",  data: d1},
        { label: "Interest component",  data: d2}
    ], {
        series: {
        	stack: true,
            lines: { show: true, fill:true },
            points: { show: false }
        },      
        zoom: {
            interactive: true
        },
        pan: {
            interactive: true
        },


        grid: {
            backgroundColor: { colors: ["#fff", "#eee"] }
        }
    });


}



function calculateCumulativeInterestSeries() {

 	var d1 = [];
 	var k = 0;
    d1.push([k, 0]);


   var Vprincipal = sn(document.calc.principal.value);
   var VintRate = sn(document.calc.intRate.value);
   var VnumYears = sn(document.calc.numYears.value);

   if(Vprincipal == 0) {
      alert("Please enter the mortgage's principal amount.");
      document.calc.principal.focus();
   } else
   if(VintRate == 0) {
      alert("Please enter the mortgage's annual interest rate.");
      document.calc.intRate.focus();
   } else
   if(VnumYears == 0) {
      alert("Please enter the mortgage's term in number of years.");
      document.calc.numYears.focus();
   } else {

      var VannualTax = sn(document.calc.annualTax.value);
      var VmonthlyTax =0;
      VmonthlyTax = VannualTax / 12;
      VmonthlyTax *= 100;
      VmonthlyTax = Math.round(VmonthlyTax);
      VmonthlyTax /= 100;

      var VannualInsurance = sn(document.calc.annualInsurance.value);
      var VmonthlyInsurance = 0;
      VmonthlyInsurance = VannualInsurance / 12;
      VmonthlyInsurance *= 100;
      VmonthlyInsurance = Math.round(VmonthlyInsurance);
      VmonthlyInsurance /= 100;

      var VmonthlyPMI = sn(document.calc.monthlyPMI.value);

      var VotherPmts = Number(VmonthlyTax) + Number(VmonthlyInsurance) + Number(VmonthlyPMI);

      var VnumPmts = VnumYears * 12;

      var pmtAmt = computeMonthlyPayment(Vprincipal, VnumPmts, VintRate);
      var VtotalMtgPmt = Number(pmtAmt) + Number(VotherPmts);

      var prin = Vprincipal;
      var Vint = VintRate;
      if(Vint >= 1) {
         Vint /= 100;
         }
      Vint /= 12;

      var nPer = VnumPmts;
      var intPort = 0;
      var accumInt = 0;
      var prinPort = 0;
      var accumPrin = 0;
      var count = 0;
      var pmtRow = "";
      var pmtNum = 0;

      var today = new Date();
      var dayFactor = today.getTime();
      var pmtDay = today.getDate();
      if(pmtDay > 28) {
         pmtDay = 28;
      }
      var loanMM = today.getMonth() + 1;
      var pmtMonth = loanMM;
      var loanYY = today.getYear();
      if(loanYY < 1900) {
         loanYY += 1900;
      }
      var pmtYear = loanYY;

      var loanDate = (loanMM + "/" + pmtDay + "/" + loanYY);
      var pmtDate = 0;
      var displayPmtAmt = 0;
      var accumYearPrin = 0;
      var accumYearInt = 0;

      while(count < nPer) {

         if(count < (nPer - 1)) {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = Number(pmtAmt) - Number(intPort);
            prinPort *= 100;
            prinPort = Math.round(prinPort);
            prinPort /= 100;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = Number(prin) - Number(prinPort);

            displayPmtAmt = Number(prinPort) + Number(intPort);
      
            k = k + 1;
	        d1.push([k, accumInt]);

         } else {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = prin;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = 0;

            //pmtAmt = Number(intPort) + Number(prinPort);
            displayPmtAmt = Number(prinPort) + Number(intPort);

            k = k + 1;
	        d1.push([k, accumInt]);

         }

         count = Number(count) + Number(1);

         pmtNum = Number(pmtNum) + Number(1);

         pmtMonth = pmtMonth + 1;

         if(pmtMonth > 12) {
            pmtMonth = 1;
            pmtYear += 1;
         }
		}
	}
	return d1

}

function calculateRemainingPrincipleSeries() {


   var Vprincipal = sn(document.calc.principal.value);
   var VintRate = sn(document.calc.intRate.value);
   var VnumYears = sn(document.calc.numYears.value);

   if(Vprincipal == 0) {
      alert("Please enter the mortgage's principal amount.");
      document.calc.principal.focus();
   } else
   if(VintRate == 0) {
      alert("Please enter the mortgage's annual interest rate.");
      document.calc.intRate.focus();
   } else
   if(VnumYears == 0) {
      alert("Please enter the mortgage's term in number of years.");
      document.calc.numYears.focus();
   } else {

      var VannualTax = sn(document.calc.annualTax.value);
      var VmonthlyTax =0;
      VmonthlyTax = VannualTax / 12;
      VmonthlyTax *= 100;
      VmonthlyTax = Math.round(VmonthlyTax);
      VmonthlyTax /= 100;

      var VannualInsurance = sn(document.calc.annualInsurance.value);
      var VmonthlyInsurance = 0;
      VmonthlyInsurance = VannualInsurance / 12;
      VmonthlyInsurance *= 100;
      VmonthlyInsurance = Math.round(VmonthlyInsurance);
      VmonthlyInsurance /= 100;

      var VmonthlyPMI = sn(document.calc.monthlyPMI.value);

      var VotherPmts = Number(VmonthlyTax) + Number(VmonthlyInsurance) + Number(VmonthlyPMI);

      var VnumPmts = VnumYears * 12;

      var pmtAmt = computeMonthlyPayment(Vprincipal, VnumPmts, VintRate);
      var VtotalMtgPmt = Number(pmtAmt) + Number(VotherPmts);

      var prin = Vprincipal;
      var Vint = VintRate;
      if(Vint >= 1) {
         Vint /= 100;
         }
      Vint /= 12;

      var nPer = VnumPmts;
      var intPort = 0;
      var accumInt = 0;
      var prinPort = 0;
      var accumPrin = 0;
      var count = 0;
      var pmtRow = "";
      var pmtNum = 0;

      var today = new Date();
      var dayFactor = today.getTime();
      var pmtDay = today.getDate();
      if(pmtDay > 28) {
         pmtDay = 28;
      }
      var loanMM = today.getMonth() + 1;
      var pmtMonth = loanMM;
      var loanYY = today.getYear();
      if(loanYY < 1900) {
         loanYY += 1900;
      }
      var pmtYear = loanYY;

      var loanDate = (loanMM + "/" + pmtDay + "/" + loanYY);
      var pmtDate = 0;
      var displayPmtAmt = 0;
      var accumYearPrin = 0;
      var accumYearInt = 0;

 	var d1 = [];
 	var k = 0;
    d1.push([k, prin]);

      while(count < nPer) {

         if(count < (nPer - 1)) {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = Number(pmtAmt) - Number(intPort);
            prinPort *= 100;
            prinPort = Math.round(prinPort);
            prinPort /= 100;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = Number(prin) - Number(prinPort);

            displayPmtAmt = Number(prinPort) + Number(intPort);
      
            k = k + 1;
	        d1.push([k, prin]);

         } else {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = prin;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = 0;

            //pmtAmt = Number(intPort) + Number(prinPort);
            displayPmtAmt = Number(prinPort) + Number(intPort);

            k = k + 1;
	        d1.push([k, prin]);

         }

         count = Number(count) + Number(1);

         pmtNum = Number(pmtNum) + Number(1);

         pmtMonth = pmtMonth + 1;

         if(pmtMonth > 12) {
            pmtMonth = 1;
            pmtYear += 1;
         }
	}
	}

return d1

}

function calculateMonthlyPrincipleSeries() {

   var Vprincipal = sn(document.calc.principal.value);
   var VintRate = sn(document.calc.intRate.value);
   var VnumYears = sn(document.calc.numYears.value);

   if(Vprincipal == 0) {
      alert("Please enter the mortgage's principal amount.");
      document.calc.principal.focus();
   } else
   if(VintRate == 0) {
      alert("Please enter the mortgage's annual interest rate.");
      document.calc.intRate.focus();
   } else
   if(VnumYears == 0) {
      alert("Please enter the mortgage's term in number of years.");
      document.calc.numYears.focus();
   } else {

      var VannualTax = sn(document.calc.annualTax.value);
      var VmonthlyTax =0;
      VmonthlyTax = VannualTax / 12;
      VmonthlyTax *= 100;
      VmonthlyTax = Math.round(VmonthlyTax);
      VmonthlyTax /= 100;

      var VannualInsurance = sn(document.calc.annualInsurance.value);
      var VmonthlyInsurance = 0;
      VmonthlyInsurance = VannualInsurance / 12;
      VmonthlyInsurance *= 100;
      VmonthlyInsurance = Math.round(VmonthlyInsurance);
      VmonthlyInsurance /= 100;

      var VmonthlyPMI = sn(document.calc.monthlyPMI.value);

      var VotherPmts = Number(VmonthlyTax) + Number(VmonthlyInsurance) + Number(VmonthlyPMI);

      var VnumPmts = VnumYears * 12;

      var pmtAmt = computeMonthlyPayment(Vprincipal, VnumPmts, VintRate);
      var VtotalMtgPmt = Number(pmtAmt) + Number(VotherPmts);

      var prin = Vprincipal;
      var Vint = VintRate;
      if(Vint >= 1) {
         Vint /= 100;
         }
      Vint /= 12;

      var nPer = VnumPmts;
      var intPort = 0;
      var accumInt = 0;
      var prinPort = 0;
      var accumPrin = 0;
      var count = 0;
      var pmtRow = "";
      var pmtNum = 0;

      var today = new Date();
      var dayFactor = today.getTime();
      var pmtDay = today.getDate();
      if(pmtDay > 28) {
         pmtDay = 28;
      }
      var loanMM = today.getMonth() + 1;
      var pmtMonth = loanMM;
      var loanYY = today.getYear();
      if(loanYY < 1900) {
         loanYY += 1900;
      }
      var pmtYear = loanYY;

      var loanDate = (loanMM + "/" + pmtDay + "/" + loanYY);
      var pmtDate = 0;
      var displayPmtAmt = 0;
      var accumYearPrin = 0;
      var accumYearInt = 0;

 	var d1 = [];
 	var k = 0;

      while(count < nPer) {

         if(count < (nPer - 1)) {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = Number(pmtAmt) - Number(intPort);
            prinPort *= 100;
            prinPort = Math.round(prinPort);
            prinPort /= 100;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = Number(prin) - Number(prinPort);

            displayPmtAmt = Number(prinPort) + Number(intPort);
      
            k = k + 1;
	        d1.push([k, prinPort]);

         } else {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = prin;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = 0;

            //pmtAmt = Number(intPort) + Number(prinPort);
            displayPmtAmt = Number(prinPort) + Number(intPort);

            k = k + 1;
	        d1.push([k, prinPort]);

         }

         count = Number(count) + Number(1);

         pmtNum = Number(pmtNum) + Number(1);

         pmtMonth = pmtMonth + 1;

         if(pmtMonth > 12) {
            pmtMonth = 1;
            pmtYear += 1;
         }
         }
	}

	return d1

}

function calculateMonthlyInterestSeries() {

   var Vprincipal = sn(document.calc.principal.value);
   var VintRate = sn(document.calc.intRate.value);
   var VnumYears = sn(document.calc.numYears.value);

   if(Vprincipal == 0) {
      alert("Please enter the mortgage's principal amount.");
      document.calc.principal.focus();
   } else
   if(VintRate == 0) {
      alert("Please enter the mortgage's annual interest rate.");
      document.calc.intRate.focus();
   } else
   if(VnumYears == 0) {
      alert("Please enter the mortgage's term in number of years.");
      document.calc.numYears.focus();
   } else {

      var VannualTax = sn(document.calc.annualTax.value);
      var VmonthlyTax =0;
      VmonthlyTax = VannualTax / 12;
      VmonthlyTax *= 100;
      VmonthlyTax = Math.round(VmonthlyTax);
      VmonthlyTax /= 100;

      var VannualInsurance = sn(document.calc.annualInsurance.value);
      var VmonthlyInsurance = 0;
      VmonthlyInsurance = VannualInsurance / 12;
      VmonthlyInsurance *= 100;
      VmonthlyInsurance = Math.round(VmonthlyInsurance);
      VmonthlyInsurance /= 100;

      var VmonthlyPMI = sn(document.calc.monthlyPMI.value);

      var VotherPmts = Number(VmonthlyTax) + Number(VmonthlyInsurance) + Number(VmonthlyPMI);

      var VnumPmts = VnumYears * 12;

      var pmtAmt = computeMonthlyPayment(Vprincipal, VnumPmts, VintRate);
      var VtotalMtgPmt = Number(pmtAmt) + Number(VotherPmts);

      var prin = Vprincipal;
      var Vint = VintRate;
      if(Vint >= 1) {
         Vint /= 100;
         }
      Vint /= 12;

      var nPer = VnumPmts;
      var intPort = 0;
      var accumInt = 0;
      var prinPort = 0;
      var accumPrin = 0;
      var count = 0;
      var pmtRow = "";
      var pmtNum = 0;

      var today = new Date();
      var dayFactor = today.getTime();
      var pmtDay = today.getDate();
      if(pmtDay > 28) {
         pmtDay = 28;
      }
      var loanMM = today.getMonth() + 1;
      var pmtMonth = loanMM;
      var loanYY = today.getYear();
      if(loanYY < 1900) {
         loanYY += 1900;
      }
      var pmtYear = loanYY;

      var loanDate = (loanMM + "/" + pmtDay + "/" + loanYY);
      var pmtDate = 0;
      var displayPmtAmt = 0;
      var accumYearPrin = 0;
      var accumYearInt = 0;

 	var d1 = [];
 	var k = 0;

      while(count < nPer) {

         if(count < (nPer - 1)) {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = Number(pmtAmt) - Number(intPort);
            prinPort *= 100;
            prinPort = Math.round(prinPort);
            prinPort /= 100;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = Number(prin) - Number(prinPort);

            displayPmtAmt = Number(prinPort) + Number(intPort);
      
            k = k + 1;
	        d1.push([k, intPort]);

         } else {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = prin;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = 0;

            //pmtAmt = Number(intPort) + Number(prinPort);
            displayPmtAmt = Number(prinPort) + Number(intPort);

            k = k + 1;
	        d1.push([k, intPort]);

         }

         count = Number(count) + Number(1);

         pmtNum = Number(pmtNum) + Number(1);

         pmtMonth = pmtMonth + 1;

         if(pmtMonth > 12) {
            pmtMonth = 1;
            pmtYear += 1;
         }
         }
	}

	return d1


}