function initialize()
	{
	var note= "Press Calculate";
	document.mort.maxExpense.value= note;
	document.mort.tMonthly.value= note;
	document.mort.maxPrice.value= note;
	}

function calculateAffordPrice(curForm)
	{
	var gross= parseFloat(curForm.gross.value);
	//alert("Gross" +gross);

	var expenses= parseFloat(curForm.ptax.value)+ parseFloat(curForm.heat.value)+ parseFloat(curForm.rrsp.value)+ parseFloat(curForm.condo.value);
	//alert("Expenses" +expenses);
	if(expenses> gross)
		{
		alert("Your monthly expenses already exceed your monthly income.");
		return false;
		}

	var gdsAmount= gross* 0.32;
	var monthly= gdsAmount- expenses;
	if(monthly< 0)
		{
		curForm.maxExpense.value= gdsAmount;
		curForm.tMonthly.value= expenses;
		alert("We used a GDS of 32% for your calculations.  Your monthly expenses already exceed 32% of your gross income.");
		return false;
		}
	else
		{
		// First step is to pull the calc factor from the rate array, based on the number of years and interest rate
		var factor= parseFloat( fetchFactor(curForm.rate.value, curForm.mortPeriod.value) );
		//alert (factor);
		maximum= Math.round( monthly* 1000/ factor );
		// Now assign back the calculated values.
		curForm.maxExpense.value= gdsAmount;
		curForm.tMonthly.value= expenses;
		curForm.maxPrice.value= maximum;
		}

	}


function fetchFactor(col, ord)
	{
	return rate[col][ord];
	}


function populatePercentTable()
	{
	var i=0;
	for(var i= 0; i<rate.length; i++)
		{
		document.write('<option value="' + i + '">' + fetchFactor(i, 4) + '%</option>');
		}
	}


//mor_clo data array
rate = new Array();
// COLUMN INDICES (See ratecolHeadings[] array for column titles)
//                     0       1      2       3      4
rate[0]= new Array("9.626","6.864","5.494","4.682","3.00");
rate[1]= new Array("9.866","7.121","5.767","4.969","3.50");
rate[2]= new Array("10.108","7.380","6.042","5.260","4.00");
rate[3]= new Array("10.344","7.629","6.304","5.535","4.50");
rate[4]= new Array("10.581","7.881","6.571","5.816","5.00");
rate[5]= new Array("10.822","8.138","6.844","6.104","5.50");
rate[6]= new Array("11.067","8.401","7.125","6.401","6.00");
rate[7]= new Array("11.311","8.664","7.405","6.698","6.50");
rate[8]= new Array("11.559","8.932","7.693","7.004","7.00");
rate[9]= new Array("11.810","9.205","7.986","7.316","7.50");
rate[10]= new Array("12.064","9.482","8.284","7.632","8.00");
rate[11]= new Array("12.320","9.762","8.586","7.954","8.50");
rate[12]= new Array("12.576","10.043","8.889","8.277","9.00");
rate[13]= new Array("12.834","10.326","9.195","8.603","9.50");
rate[14]= new Array("13.093","10.610","9.504","8.932","10.00");

//mor_clo column headings array
ratecolHeadings = new Array();
ratecolHeadings[0]= "10 years";
ratecolHeadings[1]= "15 years";
ratecolHeadings[2]= "20 years";
ratecolHeadings[3]= "25 years";
ratecolHeadings[4]= "Interest Rate";