function FormatNumber(Number,Dec,Sep)
{

Number += ""          
 Sep += ""       
 Dec += ""        

if((Sep == "") || (Sep.length > 1))
 Sep = "."

if(Number.length == 0)
 Number = "0"
 var OrigNumber = Number  
 var Counting = 0
 var Float = ""
 var Klt = 1

if(parseFloat(Number)) {
 Number = parseFloat(Number)}  else {
 Number = 0}
 
if((parseInt(Dec,10)) || (parseInt(Dec,10) == 0)) {
 Dec = parseInt(Dec,10)}  else {
 Dec = 2}

if(Number < 0)
 {
 Klt = -1         
Number *= Klt    
}

if(Dec < 0)
 Dec *= -1    
 
 
Number = "" + Math.floor(Number * Math.pow(10,Dec + 1) + 5)
if((Number.substring(1,2) == '.')||((Number + '')=='NaN'))
 return(OrigNumber) 
 
 
if(Number.length < Dec +1) 
 {
 for(Counting = Number.length; Counting <= Dec; Counting++)
 Float += "0"
}
Number = Float + Number 
if(Dec == 0) {
  
Number = Number.substring(0,Number.length -1)}  else {
  
Number = Number.substring(0,Number.length - Dec -1) +
 Sep +
 Number.substring(Number.length - Dec -1,
 Number.length -1)}
if(Klt == -1)
Number = "-" + Number  
if(Number.length == 0)
Number="0"
 return(Number)
}



function refiForm() {
	var payment1 = document.loanform.curPayment.value;
    var prin1 = document.loanform.curBalance.value;
    var intPort1 = 0;
    var prinPort1 = 0;
    var acInterest1 = 0;
    var acPrincipal1 = 0;
    var i1 = document.loanform.curRate.value;

if (i1 > 1.0) {
		i1 = i1 / 100.0;
        document.loanform.curRate.value = i1;
}

    var i1  = i1  / 12;
    var i2 = document.loanform.refiRate.value;

if (i2 > 1.0) {
		i2 = i2 / 100.0;
		document.loanform.refiRate.value = i2;
}

    var i2  = i2  / 12;
    var count1 = 0;
    while(prin1 > 0) {
        intPort1 = prin1 * i1;
        prinPort1 = payment1 - intPort1;
        prin1 = prin1 - prinPort1;
        acInterest1 = intPort1 + acInterest1;
        acPrincipal1 = prinPort1 + acPrincipal1;
        count1 = count1 + 1;
        if(count1 > 600) {break; }  else {continue; }
}

    document.loanform.curInterest.value = "$" + parseInt(acInterest1,10);
    var pow = 1;
    
	for (var j = 0; j < document.loanform.refiTerm.value *12; j++)
	pow = pow * (1 + i2);
    
	var fnewPayment = (document.loanform.curBalance.value * pow * i2) / (pow - 1);
    document.loanform.newPayment.value = "$" + parseInt(fnewPayment,10) + "." + parseInt(fnewPayment % 1 * 100,10);
    
	var fmoSavings = document.loanform.curPayment.value - fnewPayment;
	
	var UnFormatedmoSavings = parseInt(fmoSavings,10) + "." + parseInt(fmoSavings % 1 *100,10);
	
	var FormatedmoSavings = FormatNumber(UnFormatedmoSavings,2,'.');
    document.loanform.moSavings.value = "$" + FormatedmoSavings;

	var frefiInterest = (fnewPayment * document.loanform.refiTerm.value *12) - document.loanform.curBalance.value;
    document.loanform.refiInterest.value = "$" + parseInt(frefiInterest,10);
    
	var fintSavings = acInterest1 - frefiInterest;
    document.loanform.intSavings.value = "$" + parseInt(fintSavings,10);
    
	var fnetSavings = fintSavings - document.loanform.refiCost.value;
    document.loanform.netSavings.value = "$" + parseInt(fnetSavings,10);
}