var TotalPaymentFactored;



function EREmoneyFormat(mnt) {

    mnt -= 0;

    mnt = (Math.round(mnt*100))/100;

	if(mnt == Math.floor(mnt)){

		mnt = mnt + '.00';

	} else {

		if(mnt*10 == Math.floor(mnt*10)){

			mnt = mnt + '0';

		}

	}

	return '$' + mnt;

}



function moneyFormat(num) {

	num = num.toString().replace(/\$|\,/g,'');

	if(isNaN(num))

		num = "0";

	sign = (num == (num = Math.abs(num)));

	num = Math.floor(num*100+0.50000000001);

	cents = num%100;

	num = Math.floor(num/100).toString();

	if(cents<10)

		cents = "0" + cents;

	for (var i = 0; i < Math.floor((num.length-(1+i))/3); i++)

		num = num.substring(0,num.length-(4*i+3))+','+

	num.substring(num.length-(4*i+3));

	return (((sign)?'':'-') + '$' + num);

}





function fmtMoney(number) {

	floatPoint = 2;

	decimalSep = '.';

	thousandsSep = ',';

	( number+'' ).match( /(\d+)(?:\.(\d+)|)/ );

	with( RegExp ) {

 		var frac = floatPoint ? decimalSep + Number( '.'+ $2 ).toFixed( floatPoint ).substr( 2 ) : '';

		alert('$ ' + ( ( x = $1.length % 3 ) ? $1.substr( 0, x )+thousandsSep :'' ) + $1.substr( x ).replace( /(\d{3})(?=\d)/g, '$1'+thousandsSep ) + frac);

 		return '$ ' + ( ( x = $1.length % 3 ) ? $1.substr( 0, x )+thousandsSep :'' ) + $1.substr( x ).replace( /(\d{3})(?=\d)/g, '$1'+thousandsSep ) + frac;

	}

}



function SetHeight(big,small,element,info){

	imageHeight = Math.round((small/big)*100);

	growImage(element,imageHeight);

	$(element).title = info;

	$(element).alt = info;

}



function growImage(element,goal){

		if(parseInt($(element).style.height) < goal && parseInt($(element).style.height) < 100) {

			$(element).style.height = Number(parseInt($(element).style.height) + 1) + 'px';

			my_timeout = setTimeout('growImage(\''+element+'\',\''+goal+'\');', 25);

		}

		if(parseInt($(element).style.height) > goal){

			$(element).style.height = Number(parseInt($(element).style.height) - 1) + 'px';

			my_timeout = setTimeout('growImage(\''+element+'\',\''+goal+'\');',25);

		}

}



function CalcCycle(debt,interest,min){

	TotalPaymentFactored = 0;

	TotalCycles = 0;

	currentDebt = debt;

	monthInterest = interest/12;

	while(currentDebt > 0){

		payment = currentDebt*min;

		if(payment < 25){

			payment = 25;

		}

		TotalPaymentFactored += payment;

		waste = currentDebt * monthInterest;

		currentDebt = currentDebt - (payment - waste);

		TotalCycles++;



	}

	return TotalCycles;

}



function calcForm(){

	TotalUnsecuredDebt = $('userTotalUnsecuredDebt').value.replace('$','');

	TotalUnsecuredDebt = TotalUnsecuredDebt.replace(',','');

	AvgInterestRate = $('userAvgInterestRate').value.replace('%','') / 100;



	if($('creditorDuration').value == 1){

		if(TotalUnsecuredDebt <= 20000){

			ProgramPeriod = 30;

		} else {

			ProgramPeriod = 32;

		}

	} else {

		if(TotalUnsecuredDebt <= 8000){

			ProgramPeriod = 21;

		}

		if(TotalUnsecuredDebt <= 9000 && TotalUnsecuredDebt > 8000){

			ProgramPeriod = 23;

		}

		if(TotalUnsecuredDebt <= 10000 && TotalUnsecuredDebt > 9000){

			ProgramPeriod = 26;

		}

		if(TotalUnsecuredDebt <= 11999 && TotalUnsecuredDebt > 10000){

			ProgramPeriod = 28;

		}

		if(TotalUnsecuredDebt <= 20999 && TotalUnsecuredDebt >= 12000){

			ProgramPeriod = 30;

		}

		if(TotalUnsecuredDebt <= 30999 && TotalUnsecuredDebt >=21000){

			ProgramPeriod = 32;

		}

		if(TotalUnsecuredDebt <= 40999 && TotalUnsecuredDebt >= 31000){

			ProgramPeriod = 34;

		}

		if(TotalUnsecuredDebt >= 41000){

			ProgramPeriod = 36;

		}

	}



	// Prep the standard fields

	$('afsTotalUnsecuredDebt').innerHTML = moneyFormat(TotalUnsecuredDebt);

	$('dcTotalUnsecuredDebt').innerHTML = moneyFormat(TotalUnsecuredDebt);

	$('ccTotalUnsecuredDebt').innerHTML = moneyFormat(TotalUnsecuredDebt);

	$('dnTotalUnsecuredDebt').innerHTML = moneyFormat(TotalUnsecuredDebt);

	$('afsMonthsToPayOff').innerHTML = ProgramPeriod;



	if(AvgInterestRate*100 == Math.floor(AvgInterestRate*100)){

		displayInterestRate = AvgInterestRate*100 + '.0';

	} else {

		displayInterestRate = AvgInterestRate * 100;

	}

	$('dnInterestRate').innerHTML = Math.round(displayInterestRate*100)/100 + '%';



	nothingDuration = CalcCycle(TotalUnsecuredDebt,AvgInterestRate,0.025);

	//alert(nothingDuration + ' cycles and ' + TotalPaymentFactored);



	// Changed September 26, 2007

	afs_fee = TotalUnsecuredDebt * 0.15;

	TotalCost = (TotalUnsecuredDebt * 0.4) + afs_fee;

	TotalMonthlyPayment = TotalCost/ProgramPeriod;



	$('afsYourTotalCost').innerHTML = moneyFormat(TotalCost);

	$('afsMonthlyPayment').innerHTML = moneyFormat(TotalMonthlyPayment);





	MonthlyPayment = (TotalUnsecuredDebt * (AvgInterestRate/12)) / (1 - Math.pow(1 + (AvgInterestRate/12),-1 * ProgramPeriod));

	IntrestPaid = (MonthlyPayment * ProgramPeriod) - TotalUnsecuredDebt;





//

// Debt Consolodation

//

	dccInterestRate = 0.11;



	dccMonthlyPayment = (TotalUnsecuredDebt * (dccInterestRate/12))/(1 - Math.pow(1 + (dccInterestRate/12),-1 * 60));

	$('dcMonthlyPayment').innerHTML = moneyFormat(dccMonthlyPayment);



	dccExtraInterestPaid = (dccMonthlyPayment * 60) - TotalUnsecuredDebt;

	$('dcExtraInterestPaid').innerHTML = moneyFormat(dccExtraInterestPaid);



	dccTotalCost = (dccMonthlyPayment * 60);

	$('dcYourTotalCost').innerHTML = moneyFormat(dccTotalCost);



	//dccTotalSavings = dccTotalCost - TotalCost;

	//$('dcTotalSavings').innerHTML = moneyFormat(dccTotalSavings);





//

// Do Nothing

//



	dnnMonthlyPayment = TotalUnsecuredDebt*0.03;

	$('dnMonthlyPayment').innerHTML = moneyFormat(dnnMonthlyPayment);



	dnnExtraInterestPaid = TotalPaymentFactored - TotalUnsecuredDebt;

	//dnnExtraInterestPaid = (dnnMonthlyPayment * 270) - TotalUnsecuredDebt;

	$('dnExtraInterestPaid').innerHTML = moneyFormat(dnnExtraInterestPaid);



	dnnTotalCost = TotalPaymentFactored;

	//dnnTotalCost = (dnnMonthlyPayment * 270);

	$('dnYourTotalCost').innerHTML = moneyFormat(dnnTotalCost);



	$('dnMonthsToPayOff').innerHTML = nothingDuration;

	//dnnTotalSavings = dnnTotalCost - TotalCost;

	//$('dnTotalSavings').innerHTML = moneyFormat(dnnTotalSavings);



////

////	CC Fields

////

	cccRate = Math.round((AvgInterestRate * 0.95)*100)/100;



	//$('ccInterestRate').innerHTML = cccRate*100 + '.0%';



	//cccMonthlyPayment = (TotalUnsecuredDebt * (cccRate/12))/(1- Math.pow(1 + (0.09/12),-60));

	cccMonthlyPayment = dnnMonthlyPayment * 0.95;

	$('ccMonthlyPayment').innerHTML = moneyFormat(cccMonthlyPayment);



	cccExtraInterestPaid = (cccMonthlyPayment * 60) - TotalUnsecuredDebt;

	$('ccExtraInterestPaid').innerHTML = moneyFormat(cccExtraInterestPaid);



	cccTotalCost = (cccMonthlyPayment * 60);

	$('ccYourTotalCost').innerHTML = moneyFormat(cccTotalCost);



	//cccTotalSavings = cccTotalCost - TotalCost;

	//$('ccTotalSavings').innerHTML = moneyFormat(cccTotalSavings);

////////////////////////////////////////////////////////////

	DrawChart('totalinterestpaid','Total Interest Paid','1',dccExtraInterestPaid,cccExtraInterestPaid,dnnExtraInterestPaid,'0')

	DrawChart('monthlypayments','Monthly Payments','1',dccMonthlyPayment,cccMonthlyPayment,dnnMonthlyPayment,TotalMonthlyPayment);

	DrawChart('monthstopayoff','Total Months to Pay Off','0','60','60','270',ProgramPeriod)

	DrawChart('totalpaid','Total Paid','1',dccTotalCost,cccTotalCost,dnnTotalCost,TotalCost);



}