// adapted from http://www.hypergurl.com/calculator.html 
function Morgcal() { 
	form = document.myform; 
	LoanAmount=form.LoanAmount.value; 
	DownPayment= "0"; 
	AnnualInterestRate = form.InterestRate.value/100; 
	Years= form.NumberOfYears.value; 
	MonthRate=AnnualInterestRate/12; 
	NumPayments=Years*12; 
	Prin=LoanAmount-DownPayment; 
	MonthPayment=Math.floor((Prin*MonthRate)/(1-Math.pow((1+MonthRate),(-1*NumPayments)))*100)/100; 
	form.NumberOfPayments.value=NumPayments; 
	form.MonthlyPayment.value=MonthPayment; 
}