<!-- start hiding from old browsers
function nanny(toddler) { // START
var ceiling = 500000;

	if ( (isNaN(toddler))||(toddler<0) ) {

		alert ("Please enter a valid number!");
		var toddler = 0;

	//	return toddler;
		}


	if ( toddler > ceiling ) {

		alert (toddler + " seems excessive? Please adjust");
		var toddler = (ceiling*.1);

	}

		return toddler;

			} // END



// ****************** START MORTGAGE FUNCTION *******************
function mortgage_payment_calc() {

var base_rate;
var factor;
var denominator;
var loan_years;
var factor;
var monthly_interest_rate;
var apr;
var total_debt;
var mp;
var mp2;
var project_years;
var mortgage_total_paid;

apr = ( parseFloat(document.debtalyzer.mortgage_interest_rate.value) / 100);

monthly_interest_rate = (apr/12);

loan_years = parseFloat(document.debtalyzer.mortgage_term.value);
total_debt = parseFloat(document.debtalyzer.mortgage_value.value);

nanny(total_debt);

project_years = parseFloat(document.debtalyzer.project_years.value);

if (project_years > loan_years) { project_years=loan_years; }

factor = 0;
base_rate = (1 + monthly_interest_rate);
denominator = base_rate;
for (i=0; i < (loan_years * 12); i++) {
factor += (1 / denominator);
denominator *= base_rate;
}


mp = (total_debt / factor);

mp2 = Math.round(mp);

document.debtalyzer.mortgage_total_paid.value = (project_years * 12 * mp2);
document.debtalyzer.mortgage_payment.value = mp2;

document.debtalyzer.mortgage_payment.focus();



// next let us determine the debt level and interest paid after n years, where this variable is called project_years

	var debt_balance;
	var accum_interest;
	var interest_portion;
	var interest_portion2;

	interest_portion = 0;
	interest_portion2 = 0;
	accum_interest = 0;
	factor = 0;

	accum_interest = 0;
	factor = 0;
	base_rate = (1 + monthly_interest_rate);
	denominator = base_rate;
	debt_balance = total_debt;

	for (i=0; i < (project_years * 12); i++) {

	debt_balance = (debt_balance * base_rate);
	debt_balance -= mp;

	interest_portion = (debt_balance * monthly_interest_rate);
	interest_portion2 = Math.round(interest_portion);

	accum_interest = accum_interest + interest_portion;

	}

	if (debt_balance <= 0) { debt_balance = 0; }
	if (accum_interest <= 0) { accum_interest = 0; }

document.debtalyzer.mortgage_outstanding.value = Math.round(debt_balance);

document.debtalyzer.mortgage_accum_interest.value = Math.round(accum_interest);

// alert(interest_portion2);

// ******* RUN ALL TOTALS AS WELL TO UPDATE
	 all_totals_calc();

} // end function
// ******************* END MORTGAGE FUNCTION ********************




// ****************** START SECURED FUNCTION *******************
function secured_payment_calc() {

var base_rate;
var factor;
var denominator;
var loan_years;
var factor;
var monthly_interest_rate;
var apr;
var total_debt;
var mp;
var mp2;
var project_years;
var secured_total_paid;

apr = ( parseFloat(document.debtalyzer.secured_interest_rate.value) / 100);

monthly_interest_rate = (apr/12);

loan_years = parseFloat(document.debtalyzer.secured_term.value);



total_debt = parseFloat(document.debtalyzer.secured_value.value);

total_debt=nanny(total_debt);

document.debtalyzer.secured_value.value = total_debt;

//	 if (isNaN(total_debt)) {
//	 alert ("not a number");
//	 document.debtalyzer.secured_value.value = 0;
//	 total_debt = 0;
//	 						}

project_years = parseFloat(document.debtalyzer.project_years.value);

if (project_years >= loan_years) { project_years = loan_years; }

factor = 0;
base_rate = (1 + monthly_interest_rate);
denominator = base_rate;
for (i=0; i < (loan_years * 12); i++) {
factor += (1 / denominator);
denominator *= base_rate;
}


mp = (total_debt / factor);

mp2 = Math.round(mp);

document.debtalyzer.secured_total_paid.value = Math.round(project_years * 12 * mp);
document.debtalyzer.secured_payment.value = mp2;

document.debtalyzer.secured_payment.focus();



// next let us determine the debt level and interest paid after n years, where this variable is called project_years

	var debt_balance;
	var accum_interest;
	var interest_portion;
	var interest_portion2;

	interest_portion = 0;
	interest_portion2 = 0;
	accum_interest = 0;
	factor = 0;

	base_rate = (1 + monthly_interest_rate);
	denominator = base_rate;
	debt_balance = total_debt;

	for (i=0; i < (project_years * 12); i++) {

	interest_portion = (debt_balance * monthly_interest_rate);
	debt_balance = (debt_balance * base_rate);

	interest_portion2 = Math.round(interest_portion);

	accum_interest += interest_portion;

	debt_balance -= mp;

	}

	if (debt_balance <= 0) { debt_balance = 0; }
	if (accum_interest <= 0) { accum_interest = 0; }

document.debtalyzer.secured_outstanding.value = Math.round(debt_balance);

document.debtalyzer.secured_accum_interest.value = Math.round(accum_interest);

// alert(interest_portion2);

// ******* RUN ALL TOTALS AS WELL TO UPDATE
	 all_totals_calc();

} // end function
// ******************* END secured FUNCTION ********************




// ****************** START creditcards FUNCTION *******************
function creditcards_payment_calc() {

var base_rate;
var factor;
var denominator;
var loan_years;
var factor;
var monthly_interest_rate;
var apr;
var total_debt;
var mp;
var mp2;
var project_years;
var creditcards_total_paid;

apr = ( parseFloat(document.debtalyzer.creditcards_interest_rate.value) / 100);

monthly_interest_rate = (apr/12);

loan_years = parseFloat(document.debtalyzer.creditcards_term.value);

	document.debtalyzer.creditcards_value.value = nanny(document.debtalyzer.creditcards_value.value);
total_debt = parseFloat(document.debtalyzer.creditcards_value.value);

project_years = parseFloat(document.debtalyzer.project_years.value);


	document.debtalyzer.creditcards_payment.value = nanny(document.debtalyzer.creditcards_payment.value);

	mp = parseFloat(document.debtalyzer.creditcards_payment.value); // get the monthly payment as input by the user

	if (isNaN(mp)) { var mp = 0; }

 	if ( (mp < (total_debt * 0.025))||(mp > total_debt/12) ) {
 			mp = (total_debt * 0.025);
 			document.debtalyzer.creditcards_payment.value = Math.round(mp);
 			//alert(mp);
 											 }

	if (total_debt == 0) {
	 			document.debtalyzer.creditcards_payment.value = 0;
				document.debtalyzer.creditcards_total_paid.value = 0;
				}

	factor = (total_debt / mp);

	// need to work out the "term" i.e. how many months or years it will take to clear the debt with the mp (monthly payment) staying equal

	var monthstack;
	var ccdebt;
	ccdebt = total_debt;
	monthstack = 0;

	do { // start do

	ccdebt += (ccdebt * monthly_interest_rate);

	ccdebt -= mp;
	monthstack++;

	// document.write ("badgers eat cheese " + ccdebt + " * " + mp + " * " + monthly_interest_rate);

	}
//	while ( (ccdebt > 0) && (monthstack < (project_years*12)) )
	while ( (ccdebt > 0) )

	// alert ("total debt reached after " + monthstack + "badgers" + ccdebt)

	// var yearstack; yearstack = (monthstack / 12);
	// document.debtalyzer.creditcards_term.value = (monthstack / 12);

if (monthstack == 1) {

	document.debtalyzer.creditcards_term.value = "-";

} else {

	document.debtalyzer.creditcards_term.value = monthstack + " months";

	}

	if (project_years > loan_years) { project_years=loan_years; }


/*
factor = 0;
base_rate = (1 + monthly_interest_rate);
denominator = base_rate;
for (i=0; i < (loan_years * 12); i++) {
factor += (1 / denominator);
denominator *= base_rate;
}

mp = (total_debt / factor);
mp2 = Math.round(mp);
*/

// document.debtalyzer.creditcards_total_paid.value = (project_years * 12 * mp);

// document.debtalyzer.creditcards_payment.value = (mp2 + " months");

			//		mp = parseFloat(document.debtalyzer.creditcards_payment.value);


					if (monthstack < (project_years * 12)) { project_years = (monthstack / 12); }

			//		alert (mp);

		if (total_debt != 0) {
					document.debtalyzer.creditcards_total_paid.value = Math.round(project_years * 12 * mp);
							}
					//				}

document.debtalyzer.creditcards_payment.focus();



// next let us determine the debt level and interest paid after n years, where this variable is called project_years

	var debt_balance;
	var accum_interest;
	var interest_portion;
	var interest_portion2;


	interest_portion = 0;
	interest_portion2 = 0;
	accum_interest = 0;
	factor = 0;
	base_rate = (1 + monthly_interest_rate);
	denominator = base_rate;
	debt_balance = total_debt;

	for (i=0; i < (project_years * 12); i++) {

	interest_portion = (debt_balance * monthly_interest_rate);

	debt_balance = (debt_balance * base_rate);

	interest_portion2 = Math.round(interest_portion);

	accum_interest = accum_interest + interest_portion;
	debt_balance -= mp;

	}

	if (debt_balance <= 0) { debt_balance = 0; }
	if (accum_interest <= 0) { accum_interest = 0; }


// document.debtalyzer.creditcards_accum_interest.value = Math.round(accum_interest);

document.debtalyzer.creditcards_accum_interest.value = Math.round(accum_interest);

document.debtalyzer.creditcards_outstanding.value = Math.round(debt_balance);


// alert(interest_portion2);

// ******* RUN ALL TOTALS AS WELL TO UPDATE
	 all_totals_calc();

} // end function
// ******************* END creditcards FUNCTION ********************



// ****************** START storecards FUNCTION *******************
function storecards_payment_calc() {

var base_rate;
var factor;
var denominator;
var loan_years;
var factor;
var monthly_interest_rate;
var apr;
var total_debt;
var mp;
var mp2;
var project_years;
var storecards_total_paid;

apr = ( parseFloat(document.debtalyzer.storecards_interest_rate.value) / 100);

monthly_interest_rate = (apr/12);

loan_years = parseFloat(document.debtalyzer.storecards_term.value);

	document.debtalyzer.storecards_value.value = nanny(document.debtalyzer.storecards_value.value);
total_debt = parseFloat(document.debtalyzer.storecards_value.value);

project_years = parseFloat(document.debtalyzer.project_years.value);


	document.debtalyzer.storecards_payment.value = nanny(document.debtalyzer.storecards_payment.value);
	mp = parseFloat(document.debtalyzer.storecards_payment.value); // get the monthly payment as input by the user

	if (isNaN(mp)) { var mp = 0; }


 	if ( (mp < (total_debt * 0.025))||(mp > total_debt/12) ) {
 			mp = (total_debt * 0.025);
 			document.debtalyzer.storecards_payment.value = Math.round(mp);
 			//alert(mp);
 											 }

	if (total_debt == 0) {
	 			document.debtalyzer.storecards_payment.value = 0;
				document.debtalyzer.storecards_total_paid.value = 0;
				}


	factor = (total_debt / mp);

	// need to work out the "term" i.e. how many months or years it will take to clear the debt with the mp (monthly payment) staying equal

	var monthstack;
	var scdebt;
	scdebt = total_debt;
	monthstack = 0;

	do { // start do

	scdebt += (scdebt * monthly_interest_rate);

	scdebt -= mp;
	monthstack++;

	// document.write ("badgers eat cheese " + ccdebt + " * " + mp + " * " + monthly_interest_rate);

	}
	while ( (scdebt > 0) )
	//	while ( (scdebt > 0) && (monthstack < (project_years*12)) )

	// alert ("total debt reached after " + monthstack + "badgers" + scdebt)

	// var yearstack; yearstack = (monthstack / 12);
	// document.debtalyzer.storecards_term.value = (monthstack / 12);

if (monthstack == 1) {

	document.debtalyzer.storecards_term.value = "-";

} else {

	document.debtalyzer.storecards_term.value = monthstack + " months";

	}

if (project_years > loan_years) { project_years=loan_years; }


// document.debtalyzer.storecards_total_paid.value = (project_years * 12 * mp);


// document.debtalyzer.storecards_payment.value = (mp2 + " months");

			//		mp = parseFloat(document.debtalyzer.storecards_payment.value);


					if (monthstack < (project_years * 12)) { project_years = (monthstack / 12); }

			//		alert (mp);

		if (total_debt != 0) {
					document.debtalyzer.storecards_total_paid.value = Math.round(project_years * 12 * mp);
								}
							//				}

document.debtalyzer.storecards_payment.focus();



// next let us determine the debt level and interest paid after n years, where this variable is called project_years

	var debt_balance;
	var accum_interest;
	var interest_portion;
	var interest_portion2;


	interest_portion = 0;
	interest_portion2 = 0;
	accum_interest = 0;
	factor = 0;
	base_rate = (1 + monthly_interest_rate);
	denominator = base_rate;
	debt_balance = total_debt;

	for (i=0; i < (project_years * 12); i++) {

	interest_portion = (debt_balance * monthly_interest_rate);
	debt_balance = (debt_balance * base_rate);

	interest_portion2 = Math.round(interest_portion);

	accum_interest = accum_interest + interest_portion;

	debt_balance -= mp;

	}

	if (debt_balance <= 0) { debt_balance = 0; }
	if (accum_interest <= 0) { accum_interest = 0; }


// document.debtalyzer.creditcards_accum_interest.value = Math.round(accum_interest);

document.debtalyzer.storecards_accum_interest.value = Math.round(accum_interest);

document.debtalyzer.storecards_outstanding.value = Math.round(debt_balance);


// alert(interest_portion2);

// ******* RUN ALL TOTALS AS WELL TO UPDATE
	 all_totals_calc();

} // end function
// ******************* END storecards FUNCTION ********************






// ****************** START loans FUNCTION *******************
function loans_payment_calc() {

var base_rate;
var factor;
var denominator;
var loan_years;
var factor;
var monthly_interest_rate;
var apr;
var total_debt;
var mp;
var mp2;
var project_years;
var loans_total_paid;

apr = ( parseFloat(document.debtalyzer.loans_interest_rate.value) / 100);

monthly_interest_rate = (apr/12);

loan_years = parseFloat(document.debtalyzer.loans_term.value);
	document.debtalyzer.loans_value.value = nanny(document.debtalyzer.loans_value.value);
total_debt = parseFloat(document.debtalyzer.loans_value.value);

project_years = parseFloat(document.debtalyzer.project_years.value);

if (project_years > loan_years) { project_years=loan_years; }

factor = 0;
base_rate = (1 + monthly_interest_rate);
denominator = base_rate;
for (i=0; i < (loan_years * 12); i++) {
factor += (1 / denominator);
denominator *= base_rate;
}


mp = (total_debt / factor);

mp2 = Math.round(mp);

document.debtalyzer.loans_total_paid.value = Math.round(project_years * 12 * mp);
document.debtalyzer.loans_payment.value = mp2;

document.debtalyzer.loans_payment.focus();



// next let us determine the debt level and interest paid after n years, where this variable is called project_years

	var debt_balance;
	var accum_interest;
	var interest_portion;
	var interest_portion2;

	interest_portion = 0;
	interest_portion2 = 0;
	accum_interest = 0;
	factor = 0;
	base_rate = (1 + monthly_interest_rate);
	denominator = base_rate;
	debt_balance = total_debt;

	for (i=0; i < (project_years * 12); i++) {

	interest_portion = (debt_balance * monthly_interest_rate);
	debt_balance = (debt_balance * base_rate);

	interest_portion2 = Math.round(interest_portion);

	accum_interest = accum_interest + interest_portion;

	debt_balance -= mp;

	}

	if (debt_balance <= 0) { debt_balance = 0; }
	if (accum_interest <= 0) { accum_interest = 0; }

document.debtalyzer.loans_outstanding.value = Math.round(debt_balance);

document.debtalyzer.loans_accum_interest.value = Math.round(accum_interest);

// alert(interest_portion2);

// ******* RUN ALL TOTALS AS WELL TO UPDATE
	 all_totals_calc();

} // end function
// ******************* END loans FUNCTION ********************





// ****************** START other FUNCTION *******************
function other_payment_calc() {

var base_rate;
var factor;
var denominator;
var loan_years;
var factor;
var monthly_interest_rate;
var apr;
var total_debt;
var mp;
var mp2;
var project_years;
var other_total_paid;

apr = ( parseFloat(document.debtalyzer.other_interest_rate.value) / 100);

monthly_interest_rate = (apr/12);

loan_years = parseFloat(document.debtalyzer.other_term.value);

	document.debtalyzer.other_value.value = nanny(document.debtalyzer.other_value.value);

total_debt = parseFloat(document.debtalyzer.other_value.value);



project_years = parseFloat(document.debtalyzer.project_years.value);

if (project_years > loan_years) { project_years=loan_years; }

factor = 0;
base_rate = (1 + monthly_interest_rate);
denominator = base_rate;
for (i=0; i < (loan_years * 12); i++) {
factor += (1 / denominator);
denominator *= base_rate;
}


mp = (total_debt / factor);

mp2 = Math.round(mp);

document.debtalyzer.other_total_paid.value = Math.round(project_years * 12 * mp);
document.debtalyzer.other_payment.value = mp2;

document.debtalyzer.other_payment.focus();



// next let us determine the debt level and interest paid after n years, where this variable is called project_years

	var debt_balance;
	var accum_interest;
	var interest_portion;
	var interest_portion2;

	var test_string = "test";

	interest_portion = 0;
	interest_portion2 = 0;
	accum_interest = 0;
	factor = 0;
	base_rate = (1 + monthly_interest_rate);
	denominator = base_rate;
	debt_balance = total_debt;

	for (i=0; i < (project_years * 12); i++) {

	interest_portion = ((debt_balance) * monthly_interest_rate);
	debt_balance = (debt_balance * base_rate);

	interest_portion2 = Math.round(interest_portion);

	accum_interest += interest_portion;
	debt_balance -= mp;

	test_string = test_string + "balance=" + (debt_balance) + "number" + (i) + ", interest portion" + (interest_portion) + ". monthly interest rate = " + (monthly_interest_rate) + ".";

	}

	if (total_debt==10000) {
	alert (test_string);
				}

	if (debt_balance <= 0) { debt_balance = 0; }
	if (accum_interest <= 0) { accum_interest = 0; }

document.debtalyzer.other_outstanding.value = Math.round(debt_balance);

document.debtalyzer.other_accum_interest.value = Math.round(accum_interest);

// alert(interest_portion2);

// ******* RUN ALL TOTALS AS WELL TO UPDATE
	 all_totals_calc();

} // end function
// ******************* END other FUNCTION ********************

// *****



// ********** START income-outgoings FUNCTION ***********
// this function is now redundant and can be deleted

	function income_outgoings() { // START

	var monthly_income;
	monthly_income=0;
	monthly_income = parseFloat(document.debtalyzer.monthly_income.value);
	document.debtalyzer.monthly_income.value = nanny(monthly_income);

	var monthly_outgoings;
	monthly_outgoings=0;
	monthly_outgoings = parseFloat(document.debtalyzer.monthly_outgoings.value);
	document.debtalyzer.monthly_outgoings.value = nanny(monthly_outgoings);

	var mortrent;
	mortrent=0;
	mortrent = parseFloat(document.debtalyzer.mortrent.value);
	document.debtalyzer.mortrent.value = nanny(mortrent);


	var total_outgoings;
	total_outgoings = 0;

	var total_mp;

	total_mp = parseFloat(document.debtalyzer.total_payment.value);

	total_outgoings = (total_mp + mortrent + monthly_outgoings);

	var money_left;
	money_left = 0;
	money_left = (monthly_income - total_outgoings);

	// alert(money_left);

	//if ( (money_left <= 200)&&(money_left > 0) ) {

	// alert (money_left);

	//	parent.content.document.write("<b>Wibble �"+ money_left +"</b>.")
	//	parent.content.document.close()

		document.debtalyzer.money_left.value = Math.round(money_left);


	// document.write('test - success?, ');


// ******* RUN ALL TOTALS AS WELL TO UPDATE
	 all_totals_calc();


	//						}
	} // END function

// ********** END income-outgoings FUNCTION ***********





// ******************* START all_totals FUNCTION ********************

	function all_totals_calc() { // start

	// income_outgoings();



	var total_all_debts;
	total_all_debts = 0;

		total_all_debts = (
		parseFloat(document.debtalyzer.storecards_value.value)
		+ parseFloat(document.debtalyzer.secured_value.value)
		+ parseFloat(document.debtalyzer.creditcards_value.value)
		+ parseFloat(document.debtalyzer.other_value.value)
		+ parseFloat(document.debtalyzer.loans_value.value)
		);

	document.debtalyzer.total_all_debts.value = Math.round(total_all_debts);


	var total_accum_interest;
	total_accum_interest = 0;

		total_accum_interest = (
		parseFloat(document.debtalyzer.storecards_accum_interest.value)
		+ parseFloat(document.debtalyzer.secured_accum_interest.value)
		+ parseFloat(document.debtalyzer.creditcards_accum_interest.value)
		+ parseFloat(document.debtalyzer.other_accum_interest.value)
		+ parseFloat(document.debtalyzer.loans_accum_interest.value)
		);

	document.debtalyzer.total_accum_interest.value = Math.round(total_accum_interest);


	var total_outstanding;
	total_outstanding = 0;

		total_outstanding = (
		parseFloat(document.debtalyzer.storecards_outstanding.value)
		+ parseFloat(document.debtalyzer.secured_outstanding.value)
		+ parseFloat(document.debtalyzer.creditcards_outstanding.value)
		+ parseFloat(document.debtalyzer.other_outstanding.value)
		+ parseFloat(document.debtalyzer.loans_outstanding.value)
		);

	document.debtalyzer.total_outstanding.value = Math.round(total_outstanding);


	var total_all_paid;
	total_all_paid = 0;

		total_all_paid = (
		parseFloat(document.debtalyzer.storecards_total_paid.value)
		+ parseFloat(document.debtalyzer.secured_total_paid.value)
		+ parseFloat(document.debtalyzer.creditcards_total_paid.value)
		+ parseFloat(document.debtalyzer.other_total_paid.value)
		+ parseFloat(document.debtalyzer.loans_total_paid.value)
		);

	document.debtalyzer.total_all_paid.value = Math.round(total_all_paid);

/*
	var average_apr;
	average_apr = 0;

		average_apr = ((
		parseFloat(document.debtalyzer.storecards_interest_rate.value)
		+ parseFloat(document.debtalyzer.secured_interest_rate.value)
		+ parseFloat(document.debtalyzer.creditcards_interest_rate.value)
		+ parseFloat(document.debtalyzer.other_interest_rate.value)
		+ parseFloat(document.debtalyzer.loans_interest_rate.value)
		)/5);

	document.debtalyzer.average_apr.value = Math.round(average_apr*10)/10;
*/

	var total_mp;
	total_mp = 0;
	// get the total monthly payment
		total_mp = (
		parseFloat(document.debtalyzer.storecards_payment.value)
		+ parseFloat(document.debtalyzer.secured_payment.value)
		+ parseFloat(document.debtalyzer.creditcards_payment.value)
		+ parseFloat(document.debtalyzer.other_payment.value)
		+ parseFloat(document.debtalyzer.loans_payment.value)
		);


	document.debtalyzer.total_payment.value = Math.round(total_mp);


// put the income stuff here

	var monthly_income;
	monthly_income=0;
	monthly_income = parseFloat(document.debtalyzer.monthly_income.value);

	var monthly_outgoings;
	monthly_outgoings=0;
	monthly_outgoings = parseFloat(document.debtalyzer.monthly_outgoings.value);

	var mortrent;
	mortrent=0;
	mortrent = parseFloat(document.debtalyzer.mortrent.value);


	var total_outgoings;
	total_outgoings = 0;

	var total_mp;

	total_mp = parseFloat(document.debtalyzer.total_payment.value);

	total_outgoings = (total_mp + mortrent + monthly_outgoings);

	var money_left;
	money_left = 0;
	money_left = (monthly_income - total_outgoings);

		document.debtalyzer.money_left.value = Math.round(money_left);


// **********************************
// do some image testing

function newImage(arg) {
	if (document.images) {
		rslt = new Image();
		rslt.src = arg;
		return rslt;
	}
}

function changeImages() {
//	if (document.images && (preloadFlag == true)) {

	if (document.images) {
		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) {
		d_resp_0 = newImage("http://cleardebt.co.uk/debtalyzer/images/d_resp_0.gif");
		d_resp_1 = newImage("http://cleardebt.co.uk/debtalyzer/images/d_resp_1.gif");
		d_resp_2 = newImage("http://cleardebt.co.uk/debtalyzer/images/d_resp_2.gif");
		d_resp_3 = newImage("http://cleardebt.co.uk/debtalyzer/images/d_resp_3.gif");
		d_resp_4 = newImage("http://cleardebt.co.uk/debtalyzer/images/d_resp_4.gif");
		preloadFlag = true;
	}
}


// end image testing
// **********************************





	// put messages here?

	var disp_message = 'ClearDebt Debtalyser - a unique free tool from cleardebt.co.uk';

		if (money_left == 0) {
	var disp_message = "Please enter some values to start using the ClearDebt Debtalyser!";
	changeImages('d_resp', 'http://cleardebt.co.uk/debtalyzer/images/d_resp_5.gif');
						}

	if ((money_left <0)&&(total_mp!=0)) {
	var disp_message = "Things are not looking too good; click the logo on the right to try the ClearDebt Analyser for a free on-screen assessment in two minutes or less.";
	changeImages('d_resp', 'http://cleardebt.co.uk/debtalyzer/images/d_resp_0.gif');

	//	<tr><td class="income" align="center" width="50%"><img src="http://cleardebt.co.uk/debtalyzer/images/income_man_only_sm.gif" name="income_person"></td>

						}

	if ( (money_left >0)&&(money_left<250)&&(total_mp!=0) ) {
	var disp_message = "If you are struggling to make ends meet we recommend you try the ClearDebt Analyser - click the logo on the right.";
	changeImages('d_resp', 'http://cleardebt.co.uk/debtalyzer/images/d_resp_1.gif');

						}

		if ( (money_left >249)&&(money_left<500)&&(total_mp!=0) ) {
	var disp_message = "Your situation does not look bad but it might be worth trying the ClearDebt Analyser for a more in-depth view.";
	changeImages('d_resp', 'http://cleardebt.co.uk/debtalyzer/images/d_resp_2.gif');
						}

		if ( (money_left >500)&&(money_left<1500)&&(total_mp!=0) ) {
	var disp_message = "Looks like you are doing OK: if your income and outgoings are maintained at this level, and you don't take on any further debt.";
	changeImages('d_resp', 'http://cleardebt.co.uk/debtalyzer/images/d_resp_3.gif');
						}

		if ((money_left >1500)&&(total_mp!=0)) {
	var disp_message = "Considering your level of income, you really do not appear to have a debt problem.";
	changeImages('d_resp', 'http://cleardebt.co.uk/debtalyzer/images/d_resp_4.gif');
						}

	document.debtalyzer.message_area.value = disp_message;


// end income stuff







	} // end function


// ******************** END all_totals FUNCTION *********************


function all_payment_calc() { // start function

	 // mortgage_payment_calc();
	 storecards_payment_calc();
	 secured_payment_calc();
	 creditcards_payment_calc();
	 loans_payment_calc();
	 other_payment_calc();

	income_outgoings();

	 all_totals_calc();

	// message_sender();

	return false

	} // end function



// message sender WAS HERE



// end hiding from old browsers
-->