function newImage(arg) {
	if (document.images) {
		rslt = new Image();
		rslt.src = arg;
		return rslt;
	}
}

function changeImages() {
	if (document.images && (preloadFlag == true)) {
		for (var i=0; i<changeImages.arguments.length; i+=2) {
			document[changeImages.arguments[i]].src = changeImages.arguments[i+1];
		}
	}
}

var preloadFlag = false;
function preloadImages() {
	if (document.images) {
		dtnav_home_over = newImage("images/dtnav_home-over.jpg");
		dtnav_testimonials_over = newImage("images/dtnav_testimonials-over.jpg");
		dtnav_about_over = newImage("images/dtnav_about-over.jpg");
		dtnav_contact_over = newImage("images/dtnav_contact-over.jpg");
		dtnav_featured_over = newImage("images/dtnav_featured-over.jpg");
		dtnav_searchmls_over = newImage("images/dtnav_searchmls-over.jpg");
		dtnav_areaphotos_over = newImage("images/dtnav_areaphotos-over.jpg");
		dtnav_community_over = newImage("images/dtnav_community-over.jpg");
		dtnav_resources_over = newImage("images/dtnav_resources-over.jpg");
		mini_about_over = newImage("images/mini-about-over.gif");
		mini_contact_over = newImage("images/mini-contact-over.gif");
		sb_services_over = newImage("images/sb_services-over.gif");
		sb_calcs_over = newImage("images/sb_calcs-over.gif");
		sb_consumer_over = newImage("images/sb_consumer-over.gif");
		sb_renews_over = newImage("images/sb_renews-over.gif");
		sb_retaxes_over = newImage("images/sb_retaxes-over.gif");
		sb_insurance_over = newImage("images/sb_insurance-over.gif");
		sb_brochures_over = newImage("images/sb_brochures-over.gif");
		re_tips_over = newImage("images/re_tips-over.gif");
		preloadFlag = true;
	}
}
function floor(number)
{
  return Math.floor(number*Math.pow(10,2))/Math.pow(10,2);
}

function dosum()
{
  var mi = document.temps.IR.value / 1200;
  var base = 1;
  var mbase = 1 + mi;
  for (i=0; i<document.temps.YR.value * 12; i++)
  {
    base = base * mbase
  }
  document.temps.PI.value = floor(document.temps.LA.value * mi / ( 1 - (1/base)))
  document.temps.MT.value = floor(document.temps.AT.value / 12)
  document.temps.MI.value = floor(document.temps.AI.value / 12)
  var dasum = document.temps.LA.value * mi / ( 1 - (1/base)) +
        document.temps.AT.value / 12 + 
        document.temps.AI.value / 12;
  document.temps.MP.value = floor(dasum);
}