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function CalcInterest(form) {
	var FV=form.fv.value-0;
	var PV=form.pv.value-0;
	var PD=form.pd.value-0;
// make monthly deposit yearly total;
	PD=PD*12;
	var TX=form.tx.value-0;
	var N=form.n.value-0;
	var INTR=0;
	var TOT=0;
	var AMT=0;
	var DONE=0;
	if (TX >= 1) {
		TX=TX/100
		}
	for (i=10;i<=1000;i=i+1)
		{
		AMT=PV
		for (x=1;x<=N;x=x+1)
		{
//		AMT=AMT*(1+i/1000)+PD;
		AMT=AMT*(1+i/1000*(1-TX))+PD;
		if (AMT<FV) {
			continue
			}
		else {
//  	here is where we go if AMT>=FV
			INTR=i;
			TOT=AMT;
			DONE=1;
			break
			}
			}
		if (DONE==1) {
			break
			}
//		let's try the next interest rate
		continue
		}
//	divide interest by the initial i value in the for loop
	INTR=INTR/10
//	alert ("done = " + DONE + "  INTR = " + INTR)
	if (DONE==0){
	form.intr.value="over 100"
	}
	else {
	form.intr.value=INTR
	}

	}



// ----------------------------------------------------------------------------------------

function ResetSheet(form) {

// reset allocations

	form.rr.value="0"
	form.pr.value="0"
	form.am.value="0"
	form.ar.value="0"
	}
// -----------------------------------------------------------------------------------------

function Calculate(form) {

	var RRET=form.rr.value-0
	var PRET=form.pr.value-0
	var AMAN=form.am.value-0
	var ARET=((RRET-(((100-AMAN)*PRET)/100))/AMAN)*100
	
	if (ARET>=100) {
		ARET=(ARET+100)
		}

	
	form.ar.value=Math.round(ARET)
	}
// -----------------------------------------------------------------------------------------

function compound(form)
{
  
  var tot = parseFloat(form.Init.value, 10);
  var contrib = parseFloat(form.Monthly.value, 10);
  var tx = parseFloat(form.Tax.value/100, 10);
  var years = parseFloat(form.Years.value, 10);
  var i = 0;
  var r = parseFloat(form.Rate.value/100, 10);
  
    
  for (i=1; i<=years; i=i+1)
  {
    earn = (tot*r) + ((contrib*6) * r)
  tot = tot + earn + contrib*12 - (tx*earn);
        }
  form.Total.value = Math.round(tot);
  
  }

function justify(form)
{
  
  var tot = parseFloat(form.Init.value, 10);
  var contrib = parseFloat(form.Monthly.value, 10);
  var tx = parseFloat(form.Tax.value/100, 10);
  var years = parseFloat(form.Years.value, 10);
  var i = 0;
  var r = parseFloat(form.Rate.value/100, 10);

  for (i=1; i<=years; i=i+1)
  {
    earn = (tot*r) + ((contrib*6) * r)
  tot = tot + earn + contrib*12 - (tx*earn);
        }
  form.Total.value = Math.round(tot);

  var firsttot=tot;
  
         
  var r2 = r + .01;
  var tot = parseFloat(form.Init.value, 10);

  for (i=1; i<=years; i=i+1)
  {
    earn = (tot*r2) + ((contrib*6) * r2)

  tot = tot + earn + contrib*12 - (tx*earn);

        }
  
  form.Total1.value = Math.round(tot);
  form.Rate1.value = Math.round(r2*100);
  form.Add1.value = Math.round(tot - firsttot);

  
  var r3 = r + .03;
  var tot = parseFloat(form.Init.value, 10);


  for (i=1; i<=years; i=i+1)
  {
    earn = (tot*r3) + ((contrib*6) * r3)

  tot = tot + earn + contrib*12 - (tx*earn);

        }
  
  form.Total3.value = Math.round(tot);
  form.Rate3.value = Math.round(r3*100)
  form.Add3.value = Math.round(tot - firsttot);      

 var r5 = r + .05;
  var tot = parseFloat(form.Init.value, 10);

  for (i=1; i<=years; i=i+1)
  {
    earn = (tot*r5) + ((contrib*6) * r5)

  tot = tot + earn + contrib*12 - (tx*earn);

        }
  
  form.Total5.value = Math.round(tot);
  form.Rate5.value = Math.round(r5*100)
  form.Add5.value = Math.round(tot - firsttot);        


  }




//-->