<!--------- monthly term -------

	var WGdc=".";  
	var WGgc=",";
	var WGnc="-";
	var WGcs="";
function WGformatMoney(A,W) 
{  
// Author   : Jonathan Weesner (http://cyberstation.net/~jweesner/)
// Copyright: Use freely. Keep Author and Copyright lines intact.
	var N=Math.abs(Math.round(A*100));
   var S=((N<10)?"00":((N<100)?"0":""))+N;

   S=WGcs+((A<0)?WGnc:"")+WGgroup(S.substring(0,(S.length-2)))+WGdc+
      S.substring((S.length-2),S.length)+((A<0&&WGnc=="(")?")":"");
   return (S.length>W)?"Over":S;
}

// WGgroup inspired by Bill Dortch's usenet post (www.hidaho.com)
function WGgroup(S) 
{
   return (S.length<4)?S:(WGgroup(S.substring(0,S.length-3))+
      WGgc+S.substring(S.length-3,S.length));
}


function amtround(num)
{
	numrnd = 0;
	numrnd = num * 100;
	numrnd = Math.round(numrnd);
	temp1 = numrnd.toString(10);
	temp1n = temp1.length;
	numrnd = temp1.substring(0,temp1n-2) + "." + temp1.substring(temp1n-2,temp1n);	
	numrnd = parseFloat(numrnd);
}

function calc3(form) {
	sgoal1 = form.sgoal1.value*1;
	sgoal1 = sgoal1+form.sgoal2.value*1;
	sgoal1 = sgoal1+form.sgoal3.value*1;
	sgoal1 = sgoal1+form.sgoal4.value*1;
	form.sgoalcost.value = WGformatMoney(sgoal1);
	sgoalmonth = form.sgoalmonth.value*1;
	form.sgoalsavings.value = WGformatMoney(sgoal1/sgoalmonth);
	
	}
	
	function calc33(form) {
	lgoal1 = form.lgoal1.value*1;
	lgoal1 = lgoal1+form.lgoal2.value*1;
	lgoal1 = lgoal1+form.lgoal3.value*1;
	lgoal1 = lgoal1+form.lgoal4.value*1;
	form.lgoalcost.value = WGformatMoney(lgoal1);
	lgoalmonth = form.lgoalmonth.value*12;
	form.lgoalsavings.value = WGformatMoney(lgoal1/lgoalmonth);
	
	}