
<!--
/*********************************************************************/
// initializing strings for all of the FORM ELEMENTS
// the description will appear below where their default value is set
var doc_mortgage_term = document.BMForm.mortgage_term;
var doc_mortgage_payment = document.BMForm.mortgage_payment;
var doc_mortgage_interest = document.BMForm.mortgage_interest;

//  var doc_mortgage_amortization = document.BMForm.mortgage_amortization;
var doc_I10_amount = document.BMForm.I10_amount;
var doc_I10_year_month = document.BMForm.I10_year_month;

var doc_I12 = document.BMForm.I12;
var doc_months_penalty = document.BMForm.months_penalty;
var doc_dollar_penalty = document.BMForm.dollar_penalty;
var doc_lump_sum_payment = document.BMForm.lump_sum_payment;
var doc_new_mortgage_interest = document.BMForm.new_mortgage_interest;

//  var doc_new_mortgage_amortization = document.BMForm.new_mortgage_amortization;
var doc_I20_amount = document.BMForm.I20_amount;
var doc_I20_year_month = document.BMForm.I20_year_month;

var doc_new_mortgage_payment = document.BMForm.new_mortgage_payment;


var doc_mortgage_balance = document.BMForm.mortgage_balance;
var doc_I34 = document.BMForm.I34;
var doc_interest_payment = document.BMForm.interest_payment;
var doc_total_penalty = document.BMForm.total_penalty;

var doc_new_mortgage_balance = document.BMForm.new_mortgage_balance;
var doc_I46 = document.BMForm.I46;
var doc_I49 = document.BMForm.I49;
var doc_I51 = document.BMForm.I51;

var doc_I53 = document.BMForm.I53;
var doc_I54 = document.BMForm.I54;
var doc_I56 = document.BMForm.I56;
var doc_I57 = document.BMForm.I57;




// initializing the variables for the computations
var var_mortgage_term;
var var_mortgage_payment;
var var_mortgage_interest;
var var_mortgage_amortization;
var var_I10_amount;
var var_I10_year_month;
var var_I12;
var var_months_penalty;
var var_dollar_penalty;
var var_lump_sum_payment;
var var_new_mortgage_interest;
var var_new_mortgage_amortization;
var var_new_mortgage_payment;

var var_mortgage_balance;
var var_I34;
var var_interest_payment;
var var_total_penalty;

var var_new_mortgage_balance;
var var_I46;
var var_I49;
var var_I51;

var var_I53;
var var_I54;
var var_I56;
var var_I57;





//_____________________________________FUNCTION_______________________________________
// NA "CURRENT REMAINING AMORTIZATION PERIOD" from the "CURRENT OUTSTANDING BALANCE"
// this function is called from the changing of the doc_I12 field 
function updateCurrRemainAmort()
{
	
	// check  the field value to see if it is numeric
	var_I10_amount = eval(isNumeric(doc_I10_amount.value));	

	//---------outputing--------------
	// rewrite the value into the field with a decimal format
	doc_I10_amount.value = decimal(var_I10_amount);	
	
	//set the value to the opposite field and variables to 0
	var_I12 = "-";
	doc_I12.value = "-";
	alert("Si vous décidez de fournir la « Période d'amortissement restante » de votre hypothèque, le « Solde restant » sera réglé à « - ». Ceci est fait pour faciliter le restant des calculs. La calculatrice exige seulement une OU l'autre des valeurs.");
	
	// call main function
	updateBM();	
}

//_____________________________________FUNCTION_______________________________________
// NA "CURRENT OUTSTANDING BALANCE" from the "CURRENT REMAINING AMORTIZATION PERIOD"
// this function is called from the changing of the doc_I10 field 
function updateCurrOutstdBal()
{
	
	// check  the field value to see if it is numeric
	var_I12 = eval(isNumeric(doc_I12.value));	

	//---------outputing--------------
	// rewrite the value into the field with a dollar format
	doc_I12.value = cash(var_I12);	
	
	//set the value to the opposite field and variables to 0
	var_I10_amount = "-";
	doc_I10_amount.value = "-";
	alert("Si vous décidez de fournir le « Solde restant » de votre hypothèque, la « Période d'amortissement restante » sera réglée à « - ». Ceci est fait pour faciliter le restant des calculs. La calculatrice exige seulement une OU l'autre des valeurs.");
	// call main function
	updateBM();
}



//_____________________________________FUNCTION_______________________________________
// New Mortgage, desired Amortization Period
function setNewDesiredAmort()
{
	
	// check  the field value to see if it is numeric
	var_I20_amount = eval(isNumeric(doc_I20_amount.value));	

	//---------outputing--------------
	// rewrite the value into the field with a decimal format
	doc_I20_amount.value = decimal(var_I20_amount);		
	
	//set the value to the opposite field and variables to 0
	var_new_mortgage_payment = "-";
	doc_new_mortgage_payment.value = "-";
	alert("Si vous décidez fournir la « Période d'amortissement désirée » de votre nouvelle hypothèque, le « Paiement mensuel désiré » sera réglé à « - ». Ceci est fait pour faciliter le restant des calculs. La calculatrice exige seulement une OU l'autre des valeurs.");
	
	// call main function
	updateBM();	
}

//_____________________________________FUNCTION_______________________________________
// New Mortgage, desired Monthly Payment
function setNewDesiredPayment()
{
	
	// check  the field value to see if it is numeric
	var_new_mortgage_payment = eval(isNumeric(doc_new_mortgage_payment.value));	

	//---------outputing--------------
	// rewrite the value into the field with a dollar format
	doc_new_mortgage_payment.value = cash(var_new_mortgage_payment);	
	
	//set the value to the opposite field and variables to 0
	var_I20 = "-";
	doc_I20_amount.value = "-";
	alert("Si vous décidez de fournir le « Paiement mensuel désiré » de votre nouvelle hypothèque, la « Période d'amortissement désirée »  sera réglée à « - ». Ceci est fait pour faciliter le restant des calculs. La calculatrice exige seulement une OU l'autre des valeurs.");
	// call main function
	updateBM();
}



//_____________________________________FUNCTION_______________________________________
function initializeCurrent_Term_Payment_Interest()
{
	
	//Input: Information About Current Mortgage
	var_mortgage_term = eval(isNumeric(doc_mortgage_term.value));	
	var_mortgage_payment = eval(isNumeric(doc_mortgage_payment.value));					
	var_mortgage_interest = eval(isNumeric(doc_mortgage_interest.value))/100;						// percentage
	
}

//_____________________________________FUNCTION_______________________________________
function initializeNEW_Interest_Amortization()
{
	
	//Input: Information About NEW Mortgage
	var_new_mortgage_interest = eval(isNumeric(doc_new_mortgage_interest.value))/100;		// percentage	
	var_new_mortgage_payment = eval(isNumeric(doc_new_mortgage_payment.value));	
	
	
}

//_____________________________________FUNCTION_______________________________________
function initializeCurrent_mortgage_amortization()
{
	
	// setting the value of 1(months) or 12 (year = 12 months) to the variable for the CURRENT mortgage
	var_I10_amount = eval(isNumeric(doc_I10_amount.value));	
	var_I10_year_month = eval(doc_I10_year_month.options[doc_I10_year_month.selectedIndex].value);		
	var_mortgage_amortization = var_I10_amount * var_I10_year_month;		
	
	// var_I12 = eval(isNumeric(doc_I12.value));			 // Original
	
}
//_____________________________________FUNCTION_______________________________________
function initializeNEW_mortgage_amortization()
{
	
	// setting the value of 1(months) or 12 (year = 12 months) to the variable for the NEW mortgage
	var_I20_amount = eval(isNumeric(doc_I20_amount.value));	
	var_I20_year_month = eval(doc_I20_year_month.options[doc_I20_year_month.selectedIndex].value);		
	var_new_mortgage_amortization = var_I20_amount * var_I20_year_month;		
	// var_new_mortgage_amortization = eval(isNumeric(doc_new_mortgage_amortization.value));	
	
}


//_____________________________________FUNCTION_______________________________________
function initializeCurrent_Rest()
{
	// set a new value to that field
	var_I12 = eval(isNumeric(doc_I12.value));
	
	//Input: Information About New Mortgage
	var_months_penalty = eval(isNumeric(doc_months_penalty.value));
	var_dollar_penalty = eval(isNumeric(doc_dollar_penalty.value));	
	if((var_dollar_penalty != 0 && var_months_penalty != 0))
	{
		alert("Si la pénalité de rupture de contrat est exprimée en DOLLARS, alors, le nombre de MOIS sera réglé à zéro. \n\n Si vous désirez que la pénalité de rupture de contrat soit exprimée en MOIS, veuillez régler la valeur en DOLLARS à zéro (la valeur exprimée en DOLLARS a priorité).");
		doc_months_penalty.value = 0;
	}	
	
	var_lump_sum_payment = eval(isNumeric(doc_lump_sum_payment.value));			
	/*                               Input                               */
	/* ------------------------------------------------------------------*/
}









//_____________________________________FUNCTION_______________________________________
function updateBM()
{
	initializeCurrent_Term_Payment_Interest();
	initializeNEW_Interest_Amortization();
	initializeCurrent_mortgage_amortization();
	initializeNEW_mortgage_amortization();
	initializeCurrent_Rest();
	
	/* ------------------------------------------------------------------*/
	/*                               Output                              */
	
	// Output: Information About Current Mortgage 
	
	// _____VAR_MORTGAGE_BALANCE_____
	// Current Outstanding Mortgage Balance = IF(I10="N/A",I12,PV((1+mortgage.interest/2)^(1/6)-1,mortgage.amortization,-mortgage.payment,0,0))
	if(var_I10_amount == 0)
	{
		var_mortgage_balance = var_I12
	}else{
		var_mortgage_balance =  Math.abs(presentValue(Math.pow((1+var_mortgage_interest/2),(1/6))-1,var_mortgage_amortization,-var_mortgage_payment,0,0));
	}
			

	
	// _____VAR_I34_____
	// Current Amortization Period = IF(I12="N/A",I10,NPER((1+mortgage.interest/2)^(1/6)-1,mortgage.payment,-I12,0,0))
	if(var_I12 == 0)
	{
		var_I34 = var_mortgage_amortization;
	}else{
		var_I34 = numberPeriod(Math.pow((1+var_mortgage_interest/2),(1/6))-1,var_mortgage_payment,-var_I12,0,0);
	}
	
	// How much interest will you pay this month? = +mortgage.balance*((1+mortgage.interest/2)^(1/6)-1) 
	var_interest_payment = Math.abs(var_mortgage_balance*(Math.pow((1+var_mortgage_interest/2),(1/6))-1));
	
	// Total Dollar Amount of Penalty: =+months.penalty*interest.payment+dollar.penalty 
	var_total_penalty = Math.abs(var_months_penalty * var_interest_payment + var_dollar_penalty);
	
	// New Mortgage Balance to be Financed =+mortgage.balance+total.penalty-lump.sum.payment
	var_new_mortgage_balance = Math.abs(var_mortgage_balance+var_total_penalty-var_lump_sum_payment);
	
	
	// --------------------------------------------------------------------------------------------------
  /* alert("var_mortgage_balance = " +var_mortgage_balance + " \n var_total_penalty = " + var_total_penalty + " \n var_lump_sum_payment = " +var_lump_sum_payment);*/


	
	// Output: Information about New Mortgage
	
	// _____VAR_I46_____
	// New Monthly Payment: = =IF(I24="N/A",I26,PMT((1+new.mortgage.interest/2)^(1/6)-1,new.mortgage.amortization,-new.mortgage.balance,0,0))
	if(var_I20_amount == 0)
	{
		var_I46 = var_new_mortgage_payment;
	}else{
		var_I46 = PayMenT(Math.pow((1+var_new_mortgage_interest/2),(1/6))-1,var_new_mortgage_amortization,-var_new_mortgage_balance,0,0);
	}
	
	// Compared to the old payment, how much will you save/lose per month?  =+mortgage.payment-I46
	var_I49 = var_mortgage_payment-var_I46;
	
	// How Much Will You Save/Lose over Remaining Term? = PV((1+new.mortgage.interest/2)^(1/6)-1,mortgage.term,-(mortgage.payment-I46),0)
	var_I51 = presentValue(Math.pow((1+var_new_mortgage_interest/2),(1/6))-1,var_mortgage_term,-(var_mortgage_payment-var_I46),0,0);
	
	
	// _____VAR_I53_____
	// New Amortization Period: = =IF(I26="N/A",I24,NPER((1+new.mortgage.interest/2)^(1/6)-1,new.mortgage.payment,-new.mortgage.balance,0,0))
	if(var_new_mortgage_payment == 0)
	{
		var_I53 = var_new_mortgage_amortization;
	}else{
		var_I53 = numberPeriod(Math.pow((1+var_new_mortgage_interest/2),(1/6))-1,var_new_mortgage_payment,-var_new_mortgage_balance,0,0);
	}
	
	// (Assuming the desired monthly payments) = +I53/12
	var_I54 = var_I53/12;
	
	
	// _____VAR_I56_____
	// How Many Months of Payments will You Save/Lose? = +mortgage.amortization-I53
	// =I34-I53
	var_I56 = var_I34 - var_I53;
	
	
	var_I57 = var_I56/12; // in months ...
	
	
	/* It will take =NPER((1+E64/365)^(365/12)-1,E66,-E62)
	var_E67 = numberPeriod(Math.pow((1+var_E64/365),(365/12))-1,var_E66,-var_E62,0,0); */
	
	/*                               Output                              */
	/* ------------------------------------------------------------------*/
	
	
	
	
	updateBMfield();
	
}


//_____________________________________FUNCTION_______________________________________
function updateBMfield()
{
	
	
	/* ------------------------------------------------------------------*/
	/*                   setting values to the form fields               */
	
	//Input: Information About Current Mortgage
	
	doc_mortgage_term.value = cash(var_mortgage_term);	// Current Mortgage, Remaining Term
	doc_mortgage_payment.value = cash(var_mortgage_payment);	// Current Mortgage, Monthly Payment
	doc_mortgage_interest.value = decimal(var_mortgage_interest*100);	// Current Mortgage, (annual) Interest Rate
	//doc_I10_amount.value = decimal(var_I10_amount);	// Current Mortgage, Remaining Amortization Period
	
	//Input: Information About New Mortgage
	
	if(var_dollar_penalty != 0)
	{
		doc_months_penalty.value = 0;
	}else{
		doc_months_penalty.value = decimal(var_months_penalty);	// Months of Interest Penalty for Breaking Mortgage
	}	
	doc_dollar_penalty.value = cash(var_dollar_penalty);	// Dollar Value of Penalty to Break Mortgage
	doc_lump_sum_payment.value = cash(var_lump_sum_payment);	// Desired Lump Sum Payment to Reduce Mortgage
	doc_new_mortgage_interest.value = decimal(var_new_mortgage_interest*100);	
	
	//doc_I20_amount.value = decimal(var_I20_amount);	
	
	
	
	
	
	
	/****************************************************/
	// --- Output: Information About Current Mortgage ---
	
	
	doc_I34.value = decimal(var_I34); 				// Original	
	doc_interest_payment.value = cash(var_interest_payment);
	doc_total_penalty.value = cash(var_total_penalty);
	doc_mortgage_balance.value = cash(var_mortgage_balance); 
	doc_new_mortgage_balance.value = cash(var_new_mortgage_balance); 
	
	
	/************************************************/
	// --- Output: Information about New Mortgage ---
	
	doc_I46.value = cash(var_I46); 
	//doc_new_mortgage_payment.value = cash(var_new_mortgage_payment);  
	
	
	doc_I49.value = cash(var_I49);
	doc_I51.value = cash(var_I51);
	
	doc_I53.value = decimal(var_I53); 
	
	doc_I54.value = decimal(var_I54);
	doc_I56.value = decimal(var_I56);
	doc_I57.value = decimal(var_I57);
	
	
	/*if(var_I12 == 0)
	{
		doc_I10_amount.value = "N/A"
	}else{
		doc_I12.value = "N/A"
	}*/
	
}

//-->