function makeoft() 
	{
	var nav =document.getElementById("oft");
	var newlina ="<p class='style6' align='center'>THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME</p><p class='style6' align='center'>YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT</p><p class='style10' align='center'>Typical 9.9% APR Variable</p><p align='center'><small>Special plans on different terms for clients with CCJ's arrears, and for the self employed without income proof. (fees may apply but only on problem cases - max 10% - no deal, no fee) Written quotations available on request. Other terms and amounts available. All finance subject to status in the United Kingdom to home owners aged 18 and over and may incur a second charge on your property.</small></p><p align='center'>1 Stop Finance Shop is a trading name of Interfinancial Limited</p>";
		nav.innerHTML = newlina;
	}

	var listbox



var inon=9999



var xmonthfinalresult







function calculate(d) {



	var owed



	var result



	var finalresults



	var month



	var resultmonth



	var finalresultsmonth



	var xvalue



	var xmonth



	var xfinal



	var xresults



	var xmonthresults



	var xmonthfinal



	var interest



	var xterm





	owed = eval(d.txtbankos.value) + eval(d.txtcardos.value) + eval(d.txtcardos1.value) + eval(d.txtcaros.value) + eval(d.txthomeos.value) + eval(d.txthpos.value) + eval(d.txtotheros.value) + eval(d.txtotheros1.value)+ eval(d.extracash.value)







	if (eval(owed) < (1)) { 



		}



	else {



		result = owed * (100);	



		finalresults = Math.round(result) / 100;



		d.txtresultowed.value = finalresults



		}







	month = eval(d.txtbankrep.value) + eval(d.txtcardrep.value) + eval(d.txtcardrep1.value) + eval(d.txtcarrep.value) + eval(d.txthomerep.value) + eval(d.txthprep.value) + eval(d.txtotherrep.value) + eval(d.txtotherrep1.value)







	if (eval(month) < (1)) { 



		}



	else {



		resultmonth = month * (100);



		finalresultsmonth = Math.round(resultmonth) / 100;



		d.txtresultmonth.value = finalresultsmonth



		}



	values(d)



}







function values(d) {



	if (eval(d.txtresultowed.value) < (5000)){



		alert("Secured Loans Start from £5000. Please enter a value above this range") }



	else if (eval(d.txtresultowed.value) > (100000))



		alert("For loans greater than £100,000, we will be happy to quote upon application") 



	else if ((d.txtresultowed.value) == "NaN")


		alert("Sorry - One of your input boxes is blank, please check back and complete the form") 
	


	else



		termselection(d)



}











function termselection(d) {



var intonly







	var myindex=d.coolterm.selectedIndex



	listbox=d.coolterm.options[myindex].value



if (listbox ==9999) {



	interestcalculation(d, listbox) 



	}



else



	capitalrep(d)



}







function interestcalculation(d, listbox){	

	
	if (   (eval(d.txtresultowed.value) >= (5000) && (eval(d.txtresultowed.value) <= (75000)))  && (eval(listbox) >= (60) && (eval(listbox) <= (300)))     )


		interest = (0.006)
	else
	{
		if (eval(d.txtresultowed.value) > (49) && (eval(d.txtresultowed.value) <= (249)))       



			interest = (0.00793)


	
	else if (eval(d.txtresultowed.value) >= (250) && (eval(d.txtresultowed.value) <= (750)))



			interest = (0.00639)



		else if (eval(d.txtresultowed.value) >= (75001) && (eval(d.txtresultowed.value) <= (100000)))


	
		interest = (0.00604)

	}
	d.txtfinalresult.value = (interest * eval(d.txtresultowed.value));



rounded(d)



}







function capitalrep(d){



	var xterm = listbox 



	var resultowed = d.txtresultowed.value



	xmonthfinalresult = d.txtresultmonth.value







	if (  (eval(d.txtresultowed.value) >= (5000) && (eval(d.txtresultowed.value) <= (75000))) && (eval(xterm) >= (60) && (eval(xterm) <= (300)))  )




		d.txtfinalresult.value =(resultowed)*(0.006) / (1 - Math.pow((1+0.006),-xterm))

	else
	{
		if (eval(d.txtresultowed.value) > (49) && (eval(d.txtresultowed.value) <= (249)))       



			d.txtfinalresult.value =(resultowed)*(0.00677) / (1 - Math.pow((1+0.00677),-xterm))


	
	else if (eval(d.txtresultowed.value) >= (250) && (eval(d.txtresultowed.value) <= (750)))



			d.txtfinalresult.value =(resultowed)*(0.00620) / (1 - Math.pow((1+0.00620),-xterm))

	

	else if (eval(d.txtresultowed.value) >= (75001) && (eval(d.txtresultowed.value) <= (100000)))



			d.txtfinalresult.value =(resultowed)*(0.00604) / (1 - Math.pow((1+0.00604),-xterm))

	}


	if (  (eval(d.txtresultowed.value) >= (5000) && (eval(d.txtresultowed.value) <= (75000))) && (eval(xterm) >= (60) && (eval(xterm) <=(300)))  )

		d.apr.value = ('7.4')
	else
	{


	
	
if (eval(d.txtresultowed.value) > (49) && (eval(d.txtresultowed.value) <= (249)))

	

	{



			d.apr.value = ('8.4')

	

	}

		

if (eval(d.txtresultowed.value) >= (250) && (eval(d.txtresultowed.value) <= (750)))

	

	{



			d.apr.value = ('7.7')

	

	}

		

if (eval(d.txtresultowed.value) >= (75001) && (eval(d.txtresultowed.value) <= (100000)))

	

	{



			d.apr.value = ('7.5')

	

	}

	}
	




rounded(d)



}







function rounded(d){



	xfinal = d.txtfinalresult.value * (100)



	xresults = Math.round(xfinal) / 100



	d.txtfinalresult.value = (xresults)



	if (xresults <= (0)) {



		}



	else



		alertsavings(d)



}



function alertsavings(d) {



	xvalue = (eval(d.txtfinalresult.value)) - (eval(xmonthfinalresult))



	if (xvalue  > (1)) {



		alert("The information you have given, is outside of our criteria. \Please re-input new values"); }



	else if (xvalue < (1)) {



		xmonth = (xmonthfinalresult) - (d.txtfinalresult.value);



		xmonthfinal = xmonth * (100);



		xmonthresults = Math.round(xmonthfinal) / (100);



		alert("1 Stop Finance Shop could save you(subject to status) £"+xmonthresults+" a month. \n\This INCLUDES any extra cash you have asked for!! \n\Press OK to return to the calculator.")



		}



}



	function validate(fObj){

	   var err = ""; 
	   var objRegExp = /^([a-zA-Z0-9_\.\-])+\@(([a-zA-Z0-9\-])+\.)+([a-zA-Z0-9]{2,4})+$/;
	   var CurrencyRegExp = /^[£0-9,. ]*?[0-9]$/;
	   var NumberRegExp = /^[0-9]+$/;

	
	if(fObj["Amount_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (Amount)\n";
	}

	if (fObj["first_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (First name)\n";
	}
	
	if (fObj["last_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (Last name)\n";
	}
	
	if (fObj["Address1_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (Address 1)\n";
	}
	
	if (fObj["Address2_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (Address 2)\n";
	}
	
	if (fObj["Postcode_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (Postcode)\n";
	}

	if (fObj["DaytimeTelephone_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (Work/Daytime Tel.)\n";
	}
	
	if (fObj["EveningTelephone_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (Evening/Home Tel.)\n";
	}
	
	if (fObj["MobileTelephone_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (Mobile Tel.)\n";
	}

	if (fObj["Mortgage_Outstanding_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (Outstanding Mortgage)\n";
	}

	if (fObj["Current_Valuation_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (Current Valuation)\n";
	}
	
	if (fObj["Gross_Income_send"].value.split(" ").join("") == ""){
	    err += "- Required field missing (Gross Income)\n";
	}


	//drop downs


	if (!fObj["purpose_pulldown"].selectedIndex > 0){
	    err += "- Required field missing (Purpose)\n";
	}

	     if (!objRegExp.test(fObj["Email_send"].value)){
	          err += "- Invalid Email Address\n";
	     }
	
	     if(fObj["Agree"].checked == false){
	          err += "- You must Agree\n";
	     }

		if(err != ""){
		  err += "\n\nAlso:\n";
		}



		if(!CurrencyRegExp.test(fObj["Amount_send"].value)){
	          err += "- Invalid Currency (Loan Amount)\n";
		}

		if(!CurrencyRegExp.test(fObj["Gross_Income_send"].value)){
	          err += "- Invalid Currency (Basic Salary)\n";
		}
		

		if(!CurrencyRegExp.test(fObj["Mortgage_Outstanding_send"].value)){
	          err += "- Invalid Currency (Outstanding Mortgage)\n";
		}


	     // Perform more if statements here if needed
	     

	     // ------------------------------------------
	     if(err != ""){
	          alert("The following fields are contain errors\n\n"+ err);
	               return false;
	     }
	
	     fObj["submit"].disabled=true;
	     return true;
	}