
<!-- to do, have 2 decimal places, results for d.s. and d.e in dommentary form, get rid of NAN for calculations, notes at the bottom stating interest rate and amortization period, check to make sure a number not character is entered, encrypt javascript section, upload to web site, submit web site to search engines, complete more advanced section  --/>

function dowork()
{    
  calc("document.test1");
  return (true);
}

function calc()
{
<!-- loop through all variables and convert letters and blanks to numbers --/>
if(document.test1.T1.value=="")
document.test1.T1.value = "0";
else
document.test1.T1.value = document.test1.T1.value;
(isNaN(document.test1.T1.value))?(document.test1.T1.value = "0"):(document.test1.T1.value = document.test1.T1.value);	

if(document.test1.T2.value=="")
document.test1.T2.value = "0";
else
document.test1.T2.value = document.test1.T2.value;
(isNaN(document.test1.T2.value))?(document.test1.T2.value = "0"):(document.test1.T2.value = document.test1.T2.value);	

if(document.test1.T3.value=="")
document.test1.T3.value = "0";
else
document.test1.T3.value = document.test1.T3.value;
(isNaN(document.test1.T3.value))?(document.test1.T3.value = "0"):(document.test1.T3.value = document.test1.T3.value);	

if(document.test1.T4.value=="")
document.test1.T4.value = "0";
else
document.test1.T4.value = document.test1.T4.value;
(isNaN(document.test1.T4.value))?(document.test1.T4.value = "0"):(document.test1.T4.value = document.test1.T4.value);	

if(document.test1.T6.value=="")
document.test1.T6.value = "0";
else
document.test1.T6.value = document.test1.T6.value;
(isNaN(document.test1.T6.value))?(document.test1.T6.value = "0"):(document.test1.T6.value = document.test1.T6.value);	

if(document.test1.T7.value=="")
document.test1.T7.value = "0";
else
document.test1.T7.value = document.test1.T7.value;
(isNaN(document.test1.T7.value))?(document.test1.T7.value = "0"):(document.test1.T7.value = document.test1.T7.value);	

<!-- Results --/>	

<!-- Cash flow --/>
var vcf1, vcf2, vcf3;
vcf3 = (parseFloat(document.test1.T2.value) + parseFloat(document.test1.T3.value) + parseFloat(document.test1.T4.value));
	vcf1 =  Math . round(100*vcf3);
	vcf1 = Math . abs (vcf1)
	
	if(vcf1<10)
		vcf2 = "00"+vcf1;
	else if (vcf1<100)
			vcf2="0"+vcf1;
	else
			vcf2=""+vcf1;
			
	if(vcf3<0)
		vcf2=-vcf2.substring(0,vcf2.length-2) + "." + vcf2.substring(vcf2.length-2, vcf2.length);	
	else		
		vcf2=vcf2.substring(0,vcf2.length-2) + "." + vcf2.substring(vcf2.length-2, vcf2.length);	
			
document.test1.T5.value = (vcf2);  


<!-- debt to equity --/>
var vd2e1, vd2e2, vd2e3;
vd2e3 = (parseFloat(document.test1.T6.value) - parseFloat(document.test1.T7.value));
	vd2e1 =  Math . round(100*vd2e3);
	vd2e1 = Math . abs(vd2e1)
	
	if(vd2e1<10)
		vd2e2 = "00"+vd2e1;
	else if (vd2e1<100)
			vd2e2="0"+vd2e1;
	else
			vd2e2=""+vd2e1;
			
	if(vd2e3<0)
		vd2e2=-vd2e2.substring(0,vd2e2.length-2) + "." + vd2e2.substring(vd2e2.length-2, vd2e2.length);	
	else		
		vd2e2=vd2e2.substring(0,vd2e2.length-2) + "." + vd2e2.substring(vd2e2.length-2, vd2e2.length);	
			
document.test1.T8.value = (vd2e2);


<!-- Calculation Annual Loan Payments   Interest is 10%   Amortization is 5 years	--/>
	var valp1, vint1, vint2, valp2, valp3;
	vint1 = (parseFloat(document.test1.T1.value) / 5); 
	vint2 = (parseFloat(document.test1.T1.value) *0.09);
	valp1 = parseFloat(vint1 + vint2);
	valp2 =  Math . round(100*valp1);
	valp2 = Math.abs(valp2)
	
	if(valp2<10)
		valp3 = "00"+valp2;
	else if (valp2<100)
			valp3="0"+valp2;
	else
			valp3=""+valp2;
			
	if(valp1<0)
		valp3=-valp3.substring(0,valp3.length-2) + "." + valp3.substring(valp3.length-2, valp3.length);
	else		
		valp3=valp3.substring(0,valp3.length-2) + "." + valp3.substring(valp3.length-2, valp3.length);
		
document.test1.T9.value = (valp3);
	
			
<!-- Calculate Debt Serviceability --/>
	var vds1, vds2, vds3	
	
	if(parseFloat(document.test1.T9.value)=="0")
		vds1 = "0";
	else 	
		vds1 = (parseFloat(document.test1.T5.value)) / (parseFloat(document.test1.T9.value));
	
	vds2 =  Math . round(100*vds1);
		vds2 = Math.abs(vds2)
		
	if(vds2<10)
		vds3 ="00"+vds2;
	else if (vds2<100)
			vds3="0"+vds2;
	else
			vds3=""+vds2;
		
	if(vds1<0)
		vds3=-vds3.substring(0,vds3.length-2) + "." + vds3.substring(vds3.length-2, vds3.length);
	else
		vds3=vds3.substring(0,vds3.length-2) + "." + vds3.substring(vds3.length-2, vds3.length);
document.test1.T10.value = (vds3);	
		
<!-- Calculate Results D.S. --/>
var vor2;
		if(parseFloat(document.test1.T10.value)<0)
vor2 = ("-100"), document.test1.T11.value= ("Cannot service your debt");
		else if(parseFloat(document.test1.T10.value)==0)
vor2 = ("-1000"), document.test1.T11.value=("");
		else if(parseFloat(document.test1.T10.value)<1)
vor2 = ("5"), document.test1.T11.value=("Poor serviceability");	
		else if(parseFloat(document.test1.T10.value)<2)
vor2 = ("30"), document.test1.T11.value=("Fair serviceability");
		else
vor2 = ("50"), document.test1.T11.value=("Strong serviceability");	

<!-- Calculate Debt to Equity --/>
	var vde1, vde2, vde3
	if(parseFloat(document.test1.T8.value)=="0")
		vde1 = "0";
	else 		
	vde1 = (parseFloat(document.test1.T7.value)) / (parseFloat(document.test1.T8.value));
	vde2 =  Math . round(100*vde1);
	vde2 = Math.abs (vde2)
	
	if(vde2<10)
		vde3 ="00"+vde2;
	else if (vde2<100)
			vde3="0"+vde2;
	else
			vde3=""+vde2;
	
	if(parseFloat(vd2e2)<0)
		vde3=-vde3.substring(0,vde3.length-2) + "." + vde3.substring(vde3.length-2, vde3.length);
	else			
		vde3=vde3.substring(0,vde3.length-2) + "." + vde3.substring(vde3.length-2, vde3.length);
document.test1.T12.value =	(vde3);
	
<!-- Calculate Results Debt to Equity --/>		
var vrds1, vor1;

if(parseFloat(document.test1.T12.value)<0)

vor1= ("-100"), vrds1 = ("Negative net worth");
		else if(parseFloat(document.test1.T12.value)==0)
vor1 = ("-1000"), vrds1 =("");
		else if(parseFloat(document.test1.T12.value)<1)
vor1 = ("50"), vrds1 =("Strong net worth");	
		else if(parseFloat(document.test1.T12.value)<2)
vor1 = ("30"), vrds1 =("Fair net worth");
		else
vor1 = ("5"), vrds1 =("Poor net worth");	

document.test1.T13.value= (vrds1);

<!-- overall results --/>

var vor3, vor4;
vor3 = (parseFloat(vor1))+(parseFloat(vor2));
if(vor3<-300)
document.test1.T14.value= ("");
else if(vor3<0)
document.test1.T14.value= ("Poor financial situation");
else if(vor3<56)
document.test1.T14.value= ("Below average financial situation");
else if(vor3<61)
document.test1.T14.value= ("Moderate financial situation");
else if(vor3<81)
document.test1.T14.value= ("Above average financial situation");
else
document.test1.T14.value= ("Excellent financial situation");
}