if(document.images){
        ratesImage = new Image();
        ratesImage.src = "images/utility_rates_over.gif"
        
        calculatorImage = new Image();
        calculatorImage.src = "images/utility_calculator_over.gif"
        
        glossaryImage = new Image();
        glossaryImage.src = "images/utility_glossary_over.gif"
        
        checklistImage = new Image();
        checklistImage.src = "images/utility_checklist_over.gif"
        
        contactImage = new Image();
        contactImage.src = "images/utility_contact_over.gif"
        
        aboutImage = new Image();
        aboutImage.src = "images/utility_about_over.gif"
    }

function CalculateMonthlyPayment() {

    var years = document.forms[0].txtYears.value;
    var rate = document.forms[0].txtRate.value;
    var amount = document.forms[0].txtMortgageAmount.value;
    var payment; 

    var coreRate = Math.pow(1 + rate/200, 1/6);
    payment = amount * (coreRate - 1)/(1 - Math.pow(coreRate, -12*years));
     
    document.forms[0].txtPaymentResult.value = formatResult(payment.toString());

    /*
    var years = document.calculator.txtYears.value;
    var rate = document.forms[0].txtRate.value;
    var amount = document.forms[0].txtMortgageAmount.value;
    var payment;

    var coreRate = Math.pow(1 + rate/200, 1/6);
    payment = amount * (coreRate - 1)/(1 - Math.pow(coreRate, -12*years));
    
    document.forms[0].txtPaymentResult.value = formatResult(payment.toString());
    */
}

function CalculateMaxMortgage() {
    var years = document.forms[0].txtYears.value;
    var rate = document.forms[0].txtRate.value;
    var amount;
    var payment = document.forms[0].txtPayment.value;

    var coreRate = Math.pow(1 + rate/200, 1/6);
    amount = payment * (1 - Math.pow(coreRate, -12*years))/(coreRate - 1);
    
    
    document.forms[0].txtMaxMortgage.value = formatResult(amount.toString());

}

function formatResult(sValue) {
    //Take string version of number and formats to 2 decimal places
    var pointPos = sValue.indexOf(".");
    if (pointPos > 0) {
        sValue = sValue + "00";
    sValue = sValue.substring(0,pointPos+3);
    } 
    else
    {
        //No decimal point
        sValue = sValue + ".00";
    }
  return sValue;
}

function imageOver(type,name){
    if(document.images){
        document.images[name].src = "images/" + type + "_" + name + "_over.gif"
    }
}

function imageOff(type,name){
    if(document.images){
        document.images[name].src = "images/" + type + "_" + name + "_off.gif"
    }
}

function arrowOver(type,name){
    if(document.images){
        document.images[name].src = "images/" + type + ".gif"
    }
}

function arrowOff(type,name){
    if(document.images){
        document.images[name].src = "images/" + type + ".gif"
    }
}

function MM_swapImgRestore() { //v3.0
  var i,x,a=document.MM_sr; for(i=0;a&&i<a.length&&(x=a[i])&&x.oSrc;i++) x.src=x.oSrc;
}

function MM_preloadImages() { //v3.0
  var d=document; if(d.images){ if(!d.MM_p) d.MM_p=new Array();
    var i,j=d.MM_p.length,a=MM_preloadImages.arguments; for(i=0; i<a.length; i++)
    if (a[i].indexOf("#")!=0){ d.MM_p[j]=new Image; d.MM_p[j++].src=a[i];}}
}

function MM_findObj(n, d) { //v4.01
  var p,i,x;  if(!d) d=document; if((p=n.indexOf("?"))>0&&parent.frames.length) {
    d=parent.frames[n.substring(p+1)].document; n=n.substring(0,p);}
  if(!(x=d[n])&&d.all) x=d.all[n]; for (i=0;!x&&i<d.forms.length;i++) x=d.forms[i][n];
  for(i=0;!x&&d.layers&&i<d.layers.length;i++) x=MM_findObj(n,d.layers[i].document);
  if(!x && d.getElementById) x=d.getElementById(n); return x;
}

function MM_swapImage() { //v3.0
  var i,j=0,x,a=MM_swapImage.arguments; document.MM_sr=new Array; for(i=0;i<(a.length-2);i+=3)
   if ((x=MM_findObj(a[i]))!=null){document.MM_sr[j++]=x; if(!x.oSrc) x.oSrc=x.src; x.src=a[i+2];}
}



/*

function openRates(){
    var newWindow = window.open("","ratesWin","width=300,height=400,scrollbars,menubar,status")
    newWindow.location = "/rates.html"
} 

function openCalculator(){
    var newWindow = window.open("","calcWin","width=300,height=400,status")
    newWindow.location = "/calculator2.html"
}

function openChecklist(){
    var newWindow = window.open("","checklistWin","width=325,height=400,scrollbars,menubar,status")
    newWindow.location = "/checklist.html"    
}

function openGlossary(jumplink){
    var newWindow = window.open("","glossaryWin","width=300,height=400,scrollbars,menubar,status")
    newWindow.location = "/glossary.html" + jumplink
}

function openContact(){
    var newWindow = window.open("","contactWin","width=300,height=400,scrollbars,menubar,status")
    newWindow.location = "/contact.html"
}

function openAbout(){
    var newWindow = window.open("","aboutWin","width=300,height=400,scrollbars,menubar,status")
    newWindow.location = "/about.html"
}

*/