//<!-- loan calculator -->
function calcRound(num) {

   result=Math.floor(num)+"." ;

   var cents=100*(num-Math.floor(num))+0.5;

   result += Math.floor(cents/10);
   result += Math.floor(cents%10);

   return(result)

}

function cal()
{
var myindex
var Month
var tDownpayment
var tIntrate
var tcprice

myindex = document.tor.periods.selectedIndex;    
Month = document.tor.periods.options[myindex].value;
tDownpayment = document.tor.downpayment.value;
tIntrate = document.tor.intrate.value;
tcprice = document.tor.cprice.value;

year = Month/12;
loanprice = tcprice-tDownpayment;
cInstallment = (((loanprice * (tIntrate/100))* year) + loanprice) / Month;
document.tor.installment.value = calcRound(cInstallment);

if (tDownpayment == "")
	{
		document.tor.downpayment.focus();
   		document.tor.downpayment.select();
	}

check_dpayment()
}

function check_dpayment()
{
if (document.tor.downpayment.value != "")
	{
	margin = (document.tor.cprice.value - document.tor.downpayment.value) / document.tor.cprice.value
	if (margin > 0.9)
		{
		alert("Please enter a downpayment amount. The minimum downpayment shall be 10% of car purchase price.")
		document.tor.downpayment.focus();
   		document.tor.downpayment.select();
		}
	}
}

//<!-- end loan calculator -->