/* Functions for Maricopa County
	March 2007 - aschotland
	Modified 09/2007 - mfeeny
*/


// Premium Functions for Life ----------------------------------------------------------


	function calc_prem(who) {
		var form = document.prem_calc;
			if(who=="em" && validate_age(who)) {
		
		resetSalary();
			
		document.getElementById('x1').innerHTML = roundAccuracy(document.prem_calc.myEarnings.value, -3) * 1;
		document.getElementById('x2').innerHTML = roundAccuracy(document.prem_calc.myEarnings.value, -3) * 2;
		document.getElementById('x3').innerHTML = roundAccuracy(document.prem_calc.myEarnings.value, -3) * 3;
		document.getElementById('x4').innerHTML = roundAccuracy(document.prem_calc.myEarnings.value, -3) * 4;
		document.getElementById('x5').innerHTML = roundAccuracy(document.prem_calc.myEarnings.value, -3) * 5;
		
		document.getElementById('x1_smoker').innerHTML = roundAccuracy(document.prem_calc.myEarnings.value, -3) * 1;
		document.getElementById('x2_smoker').innerHTML = roundAccuracy(document.prem_calc.myEarnings.value, -3) * 2;
		document.getElementById('x3_smoker').innerHTML = roundAccuracy(document.prem_calc.myEarnings.value, -3) * 3;
		document.getElementById('x4_smoker').innerHTML = roundAccuracy(document.prem_calc.myEarnings.value, -3) * 4;
		document.getElementById('x5_smoker').innerHTML = roundAccuracy(document.prem_calc.myEarnings.value, -3) * 5;
		
		monthlyPrem1 = (document.getElementById('x1').innerHTML/1000) * rate_lookup(document.prem_calc.age.value);
		monthlyPrem2 = (document.getElementById('x2').innerHTML/1000) * rate_lookup(document.prem_calc.age.value);
		monthlyPrem3 = (document.getElementById('x3').innerHTML/1000) * rate_lookup(document.prem_calc.age.value);
		monthlyPrem4 = (document.getElementById('x4').innerHTML/1000) * rate_lookup(document.prem_calc.age.value);
		monthlyPrem5 = (document.getElementById('x5').innerHTML/1000) * rate_lookup(document.prem_calc.age.value);
		
		monthlyPrem1_smoker = (document.getElementById('x1_smoker').innerHTML/1000) * rate_lookup_smoker(document.prem_calc.age.value);
		monthlyPrem2_smoker = (document.getElementById('x2_smoker').innerHTML/1000) * rate_lookup_smoker(document.prem_calc.age.value);
		monthlyPrem3_smoker = (document.getElementById('x3_smoker').innerHTML/1000) * rate_lookup_smoker(document.prem_calc.age.value);
		monthlyPrem4_smoker = (document.getElementById('x4_smoker').innerHTML/1000) * rate_lookup_smoker(document.prem_calc.age.value);
		monthlyPrem5_smoker = (document.getElementById('x5_smoker').innerHTML/1000) * rate_lookup_smoker(document.prem_calc.age.value);
		
		var m1 = document.getElementById('mon1');
		m1.innerHTML = Math.round(monthlyPrem1 * 100)/100; //rounds to nearest hundredth
			m1.innerHTML=''+m1.innerHTML; //following lines add two zeros after decimal point if figure ends in a 0. Ex: 25.80 appears as 25.80, not 25.8.
			dotPos=m1.innerHTML.indexOf(".");
			if(dotPos==-1){m1.innerHTML+=".00";}
			if(dotPos==m1.innerHTML.length-2){m1.innerHTML+="0";}
			
		var m1_smoker = document.getElementById('mon1_smoker');
		m1_smoker.innerHTML = Math.round(monthlyPrem1_smoker * 100)/100; //rounds to nearest hundredth
			m1_smoker.innerHTML=''+m1_smoker.innerHTML; //following lines add two zeros after decimal point if figure ends in a 0. Ex: 25.80 appears as 25.80, not 25.8.
			dotPos=m1_smoker.innerHTML.indexOf(".");
			if(dotPos==-1){m1_smoker.innerHTML+=".00";}
			if(dotPos==m1_smoker.innerHTML.length-2){m1_smoker.innerHTML+="0";}	
		
		var m2 = document.getElementById('mon2');
		m2.innerHTML = Math.round(monthlyPrem2 * 100)/100;
			m2.innerHTML=''+m2.innerHTML;
			dotPos=m2.innerHTML.indexOf(".");
			if(dotPos==-1){m2.innerHTML+=".00";}
			if(dotPos==m2.innerHTML.length-2){m2.innerHTML+="0";}
			
		var m2_smoker = document.getElementById('mon2_smoker');
		m2_smoker.innerHTML = Math.round(monthlyPrem2_smoker * 100)/100;
			m2_smoker.innerHTML=''+m2_smoker.innerHTML;
			dotPos=m2_smoker.innerHTML.indexOf(".");
			if(dotPos==-1){m2_smoker.innerHTML+=".00";}
			if(dotPos==m2_smoker.innerHTML.length-2){m2_smoker.innerHTML+="0";}
			
		var m3 = document.getElementById('mon3');
		m3.innerHTML = Math.round(monthlyPrem3 * 100)/100;
			m3.innerHTML=''+m3.innerHTML;
			dotPos=m3.innerHTML.indexOf(".");
			if(dotPos==-1){m3.innerHTML+=".00";}
			if(dotPos==m3.innerHTML.length-2){m3.innerHTML+="0";}
			
		var m3_smoker = document.getElementById('mon3_smoker');
		m3_smoker.innerHTML = Math.round(monthlyPrem3_smoker * 100)/100;
			m3_smoker.innerHTML=''+m3_smoker.innerHTML;
			dotPos=m3_smoker.innerHTML.indexOf(".");
			if(dotPos==-1){m3_smoker.innerHTML+=".00";}
			if(dotPos==m3_smoker.innerHTML.length-2){m3_smoker.innerHTML+="0";}
			
		var m4 = document.getElementById('mon4');
		m4.innerHTML = Math.round(parseFloat(monthlyPrem4) * 100)/100;
			m4.innerHTML=''+m4.innerHTML;
			dotPos=m4.innerHTML.indexOf(".");
			if(dotPos==-1){m4.innerHTML+=".00";}
			if(dotPos==m4.innerHTML.length-2){m4.innerHTML+="0";}
			
		var m4_smoker = document.getElementById('mon4_smoker');
		m4_smoker.innerHTML = Math.round(parseFloat(monthlyPrem4_smoker) * 100)/100;
			m4_smoker.innerHTML=''+m4_smoker.innerHTML;
			dotPos=m4_smoker.innerHTML.indexOf(".");
			if(dotPos==-1){m4_smoker.innerHTML+=".00";}
			if(dotPos==m4_smoker.innerHTML.length-2){m4_smoker.innerHTML+="0";}
			
		var m5 = document.getElementById('mon5');
		m5.innerHTML = Math.round(monthlyPrem5 * 100)/100;
			m5.innerHTML=''+m5.innerHTML;
			dotPos=m5.innerHTML.indexOf(".");
			if(dotPos==-1){m5.innerHTML+=".00";}
			if(dotPos==m5.innerHTML.length-2){m5.innerHTML+="0";}
			
		var m5_smoker = document.getElementById('mon5_smoker');
		m5_smoker.innerHTML = Math.round(monthlyPrem5_smoker * 100)/100;
			m5_smoker.innerHTML=''+m5_smoker.innerHTML;
			dotPos=m5_smoker.innerHTML.indexOf(".");
			if(dotPos==-1){m5_smoker.innerHTML+=".00";}
			if(dotPos==m5_smoker.innerHTML.length-2){m5_smoker.innerHTML+="0";}
		
		var y1 = document.getElementById('yearly1');
		y1.innerHTML = formatAsCurrency(m1.innerHTML*12);
		var y1_smoker = document.getElementById('yearly1_smoker');
		y1_smoker.innerHTML = formatAsCurrency(m1_smoker.innerHTML*12);
		
		var y2 = document.getElementById('yearly2');
		y2.innerHTML = formatAsCurrency(m2.innerHTML*12);
		var y2_smoker = document.getElementById('yearly2_smoker');
		y2_smoker.innerHTML = formatAsCurrency(m2_smoker.innerHTML*12);
		
		var y3 = document.getElementById('yearly3');
		y3.innerHTML = formatAsCurrency(m3.innerHTML*12);
		var y3_smoker = document.getElementById('yearly3_smoker');
		y3_smoker.innerHTML = formatAsCurrency(m3_smoker.innerHTML*12);
		
		var y4 = document.getElementById('yearly4');
		y4.innerHTML = formatAsCurrency(m4.innerHTML*12);
		var y4_smoker = document.getElementById('yearly4_smoker');
		y4_smoker.innerHTML = formatAsCurrency(m4_smoker.innerHTML*12);
		
		var y5 = document.getElementById('yearly5');
		y5.innerHTML = formatAsCurrency(m5.innerHTML*12);
		var y5_smoker = document.getElementById('yearly5_smoker');
		y5_smoker.innerHTML = formatAsCurrency(m5_smoker.innerHTML*12);
		
		
		m1.innerHTML = formatAsCurrency(m1.innerHTML);
		m2.innerHTML = formatAsCurrency(m2.innerHTML);
		m3.innerHTML = formatAsCurrency(m3.innerHTML);
		m4.innerHTML = formatAsCurrency(m4.innerHTML);
		m5.innerHTML = formatAsCurrency(m5.innerHTML);
		
		m1_smoker.innerHTML = formatAsCurrency(m1_smoker.innerHTML);
		m2_smoker.innerHTML = formatAsCurrency(m2_smoker.innerHTML);
		m3_smoker.innerHTML = formatAsCurrency(m3_smoker.innerHTML);
		m4_smoker.innerHTML = formatAsCurrency(m4_smoker.innerHTML);
		m5_smoker.innerHTML = formatAsCurrency(m5_smoker.innerHTML);

		
		if(document.getElementById('x1').innerHTML > 1000000){
			document.getElementById('x1').innerHTML = "–";
			document.getElementById('mon1').innerHTML = "–";
			document.getElementById('yearly1').innerHTML = "–";
		}
		if(document.getElementById('x1_smoker').innerHTML > 1000000){
			document.getElementById('x1_smoker').innerHTML = "–";
			document.getElementById('mon1_smoker').innerHTML = "–";
			document.getElementById('yearly1_smoker').innerHTML = "–";
		}
		
		if(document.getElementById('x2').innerHTML > 1000000){
			document.getElementById('x2').innerHTML = "–";
			document.getElementById('mon2').innerHTML = "–";
			document.getElementById('yearly2').innerHTML = "–";
		}
		if(document.getElementById('x2_smoker').innerHTML > 1000000){
			document.getElementById('x2_smoker').innerHTML = "–";
			document.getElementById('mon2_smoker').innerHTML = "–";
			document.getElementById('yearly2_smoker').innerHTML = "–";
		}
		
		if(document.getElementById('x3').innerHTML > 1000000){
			document.getElementById('x3').innerHTML = "–";
			document.getElementById('mon3').innerHTML = "–";
			document.getElementById('yearly3').innerHTML = "–";
		}
		if(document.getElementById('x3_smoker').innerHTML > 1000000){
			document.getElementById('x3_smoker').innerHTML = "–";
			document.getElementById('mon3_smoker').innerHTML = "–";
			document.getElementById('yearly3_smoker').innerHTML = "–";
		}
		
		if(document.getElementById('x4').innerHTML > 1000000){
			document.getElementById('x4').innerHTML = "–";
			document.getElementById('mon4').innerHTML = "–";
			document.getElementById('yearly4').innerHTML = "–";
		}
		if(document.getElementById('x4_smoker').innerHTML > 1000000){
			document.getElementById('x4_smoker').innerHTML = "–";
			document.getElementById('mon4_smoker').innerHTML = "–";
			document.getElementById('yearly4_smoker').innerHTML = "–";
		}
		
		if(document.getElementById('x5').innerHTML > 1000000){
			document.getElementById('x5').innerHTML = "–";
			document.getElementById('mon5').innerHTML = "–";
			document.getElementById('yearly5').innerHTML = "–";
		}
		if(document.getElementById('x5_smoker').innerHTML > 1000000){
			document.getElementById('x5_smoker').innerHTML = "–";
			document.getElementById('mon5_smoker').innerHTML = "–";
			document.getElementById('yearly5_smoker').innerHTML = "–";
		}
		
		document.prem_calc.myEarnings.value = formatAsCurrency(document.prem_calc.myEarnings.value);
		
		if(document.getElementById('x1').innerHTML <= 1000000){
			 document.getElementById('x1').innerHTML = formatAsCurrency(document.getElementById('x1').innerHTML);
		}
		if(document.getElementById('x1_smoker').innerHTML <= 1000000){
			 document.getElementById('x1_smoker').innerHTML = formatAsCurrency(document.getElementById('x1_smoker').innerHTML);
		}
		
		if(document.getElementById('x2').innerHTML <= 1000000){
			document.getElementById('x2').innerHTML = formatAsCurrency(document.getElementById('x2').innerHTML);
		}
		if(document.getElementById('x2_smoker').innerHTML <= 1000000){
			document.getElementById('x2_smoker').innerHTML = formatAsCurrency(document.getElementById('x2_smoker').innerHTML);
		}
		
		if(document.getElementById('x3').innerHTML <= 1000000){
			document.getElementById('x3').innerHTML = formatAsCurrency(document.getElementById('x3').innerHTML);
		}
		if(document.getElementById('x3_smoker').innerHTML <= 1000000){
			document.getElementById('x3_smoker').innerHTML = formatAsCurrency(document.getElementById('x3_smoker').innerHTML);
		}
		
		if(document.getElementById('x4').innerHTML <= 1000000){
			document.getElementById('x4').innerHTML = formatAsCurrency(document.getElementById('x4').innerHTML);
		}
		if(document.getElementById('x4_smoker').innerHTML <= 1000000){
			document.getElementById('x4_smoker').innerHTML = formatAsCurrency(document.getElementById('x4_smoker').innerHTML);
		}
		
		if(document.getElementById('x5').innerHTML <= 1000000){
			document.getElementById('x5').innerHTML = formatAsCurrency(document.getElementById('x5').innerHTML);
		}
		if(document.getElementById('x5_smoker').innerHTML <= 1000000){
			document.getElementById('x5_smoker').innerHTML = formatAsCurrency(document.getElementById('x5_smoker').innerHTML);
		}
		
		document.getElementById('estimates').style.display = "block";
		
		/***
		if (document.prem_calc.myAmt[0].checked){
		document.prem_calc.myTotAmt.value = document.prem_calc.myAmt[0].value;
		} else if (document.prem_calc.myAmt[1].checked){
		document.prem_calc.myTotAmt.value = document.prem_calc.myAmt[1].value;
		} else if (document.prem_calc.myAmt[2].checked){
		document.prem_calc.myTotAmt.value = document.prem_calc.myAmt[2].value;
		} else if (document.prem_calc.myAmt[3].checked){
		document.prem_calc.myTotAmt.value = document.prem_calc.myAmt[3].value;
		} else if (document.prem_calc.myAmt[4].checked){
		document.prem_calc.myTotAmt.value = document.prem_calc.myAmt[4].value;
		}
		
		
		document.prem_calc.myTotAmt.value = roundAccuracy(document.prem_calc.myTotAmt.value, -3);
		monthlyPrem = (document.prem_calc.myTotAmt.value/1000) * rate_lookup(document.prem_calc.age.value);
		
		document.prem_calc.myEarnings.value = formatAsCurrency(document.prem_calc.myEarnings.value);
		//document.prem_calc.myTotAmt.value = formatAsCurrency(document.prem_calc.myTotAmt.value);
		document.prem_calc.myPrem.value = formatAsCurrency(monthlyPrem);
		
		if(document.prem_calc.myTotAmt.value<10000 || document.prem_calc.myTotAmt.value>1000000){
			document.prem_calc.myPrem.value = "";
			alert("The Coverage Amount for Additional Life and AD&D entered is not valid. Coverage amount is a minimum of $10,000 to a maximum of $1,000,000.");
			return false;
		} else {
			return true;	
		
		}
		
		}
***/
}

		if(who=="sp" && validate_age(who)) {
			with (form) {
				monthlyPrem = (myAmt2.value/1000) * rate_lookup_sp(age2.value);
				myPrem2.value = formatAsCurrency(monthlyPrem);
			}
		}
		
		if(who=="dep") {
			with (form) {
				monthlyPrem = wants3.value;
				myPrem3.value = formatAsCurrency(monthlyPrem);
			}
		}
	


	
	function validate_age(who) {
		var form = document.prem_calc;
		if(who=="em") {
			if(!form.age.value.match(/\d/g)){alert("Please enter your age."); form.age.focus(); return false;}
		}
		if(who=="sp") {
			if(!form.age2.value.match(/\d/g)){alert("Please enter your age."); form.age2.focus(); return false;}
		}
		return true;
	}

	}
	
	function roundAccuracy(num, acc){
	var factor=Math.pow(10,acc);
	return Math.ceil(num*factor)/factor;
	
	}
	
	// test fx...changes copied to roundAccuracy() above...mf
	function roundAccuracyMike(num, acc){

		var factor=Math.pow(10,acc);
		var ret = Math.ceil(num*factor)/factor;
		var vals = 'Earnings = ' + num + '\n' + 'Factor = ' + factor + '\n' + 'Returning = ' + ret + '\n';	
		return Math.ceil(num*factor)/factor;
		
	}
	
	function resetSalary(){
		if(document.prem_calc.myEarnings.value != ""){
			document.prem_calc.myEarnings.value=document.prem_calc.myEarnings.value.replace(/,/g,"");
			document.prem_calc.myEarnings.value=document.prem_calc.myEarnings.value.replace(/[$]/g,"");
			document.prem_calc.myEarnings.value=document.prem_calc.myEarnings.value.split(".",1)
		}
		if(document.prem_calc.myEarnings.value<1000){
			alert("The minimum salary is $1,000.");
			document.prem_calc.myEarnings.value=1000;
		}
		if(document.prem_calc.myEarnings.value>1000000){
			alert("The maximum salary is $1,000,000.");
			document.prem_calc.myEarnings.value=1000000;
		}
	}

	function resetAddSalary(){
		if(document.prem_calc.addEarnings.value != ""){
			document.prem_calc.addEarnings.value=document.prem_calc.addEarnings.value.replace(/,/g,"");
			document.prem_calc.addEarnings.value=document.prem_calc.addEarnings.value.replace(/[$]/g,"");
			document.prem_calc.addEarnings.value=document.prem_calc.addEarnings.value.split(".",1)
		}
		if(document.prem_calc.addEarnings.value<1000){
			alert("The minimum salary is $1,000.");
			document.prem_calc.addEarnings.value=1000;
		}
		if(document.prem_calc.addEarnings.value>1000000){
			alert("The maximum salary is $1,000,000.");
			document.prem_calc.addEarnings.value=1000000;
		}
	}
	
	function rate_lookup(myAge) {
		if(myAge < 25){rate=.040}
		if(myAge >=25 && myAge <=29){rate=.047}
		if(myAge >=30 && myAge <=34){rate=.062}
		if(myAge >=35 && myAge <=39){rate=.070}
		if(myAge >=40 && myAge <=44){rate=.092}
		if(myAge >=45 && myAge <=49){rate=.150}
		if(myAge >=50 && myAge <=54){rate=.230}
		if(myAge >=55 && myAge <=59){rate=.390}
		if(myAge >=60 && myAge <=64){rate=.660}
		if(myAge >=65 && myAge <=69){rate=.950}
		if(myAge >=70){rate=1.760}
		return rate;
	}
	
	function rate_lookup_smoker(myAge) {
		if(myAge < 25){rate=.065}
		if(myAge >=25 && myAge <=29){rate=.070}
		if(myAge >=30 && myAge <=34){rate=.080}
		if(myAge >=35 && myAge <=39){rate=.136}
		if(myAge >=40 && myAge <=44){rate=.194}
		if(myAge >=45 && myAge <=49){rate=.385}
		if(myAge >=50 && myAge <=54){rate=.709}
		if(myAge >=55 && myAge <=59){rate=.722}
		if(myAge >=60 && myAge <=64){rate=1.120}
		if(myAge >=65 && myAge <=69){rate=1.370}
		if(myAge >=70){rate=2.250}
		return rate;
	}
	
	function rate_lookup_sp(myAge) {
		if(myAge < 25){rate=.060}
		if(myAge >=25 && myAge <=29){rate=.070}
		if(myAge >=30 && myAge <=34){rate=.080}
		if(myAge >=35 && myAge <=39){rate=.100}
		if(myAge >=40 && myAge <=44){rate=.120}
		if(myAge >=45 && myAge <=49){rate=.200}
		if(myAge >=50 && myAge <=54){rate=.340}
		if(myAge >=55 && myAge <=59){rate=.540}
		if(myAge >=60 && myAge <=64){rate=.900}
		if(myAge >=65 && myAge <=69){rate=1.280}
		if(myAge >=70){rate=2.080}
		return rate;
	}

	function rate_lookup_add() {
		if(myAge < 25){rate=.060}
		if(myAge >=25 && myAge <=29){rate=.070}
		if(myAge >=30 && myAge <=34){rate=.080}
		if(myAge >=35 && myAge <=39){rate=.100}
		if(myAge >=40 && myAge <=44){rate=.120}
		if(myAge >=45 && myAge <=49){rate=.200}
		if(myAge >=50 && myAge <=54){rate=.340}
		if(myAge >=55 && myAge <=59){rate=.540}
		if(myAge >=60 && myAge <=64){rate=.900}
		if(myAge >=65 && myAge <=69){rate=1.280}
		if(myAge >=70){rate=2.080}
		return rate;
	}

// Life Needs Functions ------------------------------------------------------------
function add_needs_life() {
		var form = document.needs_calc_life;
		
		with (form) {
			var y1=i_1_y.value.replace(/,/g,'')-0;
			var s1=i_1_s.value.replace(/,/g,'')-0;
			var y2=i_2_y.value.replace(/,/g,'')-0;
			var s2=i_2_s.value.replace(/,/g,'')-0;
			var y3=i_3_y.value.replace(/,/g,'')-0;
			var s3=i_3_s.value.replace(/,/g,'')-0;
			var y4=t_1_y.value.replace(/,/g,'')-0;
			var s4=t_1_s.value.replace(/,/g,'')-0;
			var y5=t_2_y.value.replace(/,/g,'')-0;
			var s5=t_2_s.value.replace(/,/g,'')-0;
			var y6=t_3_y.value.replace(/,/g,'')-0;
			var s6=t_3_s.value.replace(/,/g,'')-0;
			var y7=l_1_y.value.replace(/,/g,'')-0;
			var s7=l_1_s.value.replace(/,/g,'')-0;
			var y8=l_2_y.value.replace(/,/g,'')-0;
			var s8=l_2_s.value.replace(/,/g,'')-0;
			var y9=l_3_y.value.replace(/,/g,'')-0;
			var s9=l_3_s.value.replace(/,/g,'')-0;
			var y10=l_4_y.value.replace(/,/g,'')-0;
			var s10=l_4_s.value.replace(/,/g,'')-0;
			var y11=l_5_y.value.replace(/,/g,'')-0;
			var s11=l_5_s.value.replace(/,/g,'')-0;
			var y12=r_1_y.value.replace(/,/g,'')-0;
			var s12=r_1_s.value.replace(/,/g,'')-0;
			
			youTotal = y1+y2+y3+y4+y5+y6+y7+y8+y9+y10+y11+y12;
			spouseTotal = s1+s2+s3+s4+s5+s6+s7+s8+s9+s10+s11+s12;
			
			if(isNaN(youTotal)) {
				//error("You");
				// do nothing
			}else {
				total_y.value = formatAsCurrency(youTotal);
			}
			if(isNaN(spouseTotal)) {
				//error("Spouse");
				// do nothing
			}else {
				total_s.value = formatAsCurrency(spouseTotal);
			}
			
		}
}


function add_resources_life() {
	var form = document.needs_calc_life;
	
	with (form) {
		var x1=a_1_y.value.replace(/,/g,'')-0;
		var z1=a_1_s.value.replace(/,/g,'')-0;
		var x2=a_2_y.value.replace(/,/g,'')-0;
		var z2=a_2_s.value.replace(/,/g,'')-0;
		
		yTotal = x1+x2;
		sTotal = z1+z2;
		
		if(isNaN(yTotal)) {
			// do nothing
		}else {
			tra_y.value = formatAsCurrency(yTotal);
		}
		if(isNaN(sTotal)) {
			// do nothing
		}else {
			tra_s.value = formatAsCurrency(sTotal);
		}
	}
}


function find_dif_life() {
	var form = document.needs_calc_life;
	add_needs_life();
	add_resources_life();
	with (form) {	// error handling moved here
		if(isNaN(youTotal-yTotal)) {
			total_y.value = "";
			tra_y.value = "";
			total_vol_y.value = "";
			error("You");
		}else {
			if(youTotal-yTotal <= 0) {
				total_vol_y.value=0;
			}else {
				total_vol_y.value=formatAsCurrency(youTotal-yTotal);
			}
		}
		if(isNaN(spouseTotal-sTotal)) {
			total_s.value = "";
			tra_s.value = "";
			total_vol_s.value = "";
			error("Spouse");
		}else {
			if(spouseTotal-sTotal <= 0) {
				total_vol_s.value=0;
			}else {
				total_vol_s.value=formatAsCurrency(spouseTotal-sTotal);
			}
		}
	}
	
}


function error(column) {	//pass the name of column, "you" or "spouse"
	alert("The calculator has encountered a non-numerical value\nin the "+column+" column.\n\nPlease verify that all fields contain only numerical values.\n\nThank you.");
}

function calc_prem_add() {
		var form = document.prem_calc;
			//if(who=="em" && validate_age(who)) {
		
		resetAddSalary();
			
		document.getElementById('add_x1').innerHTML = roundAccuracy(document.prem_calc.addEarnings.value, -3) * 1;
		document.getElementById('add_x2').innerHTML = roundAccuracy(document.prem_calc.addEarnings.value, -3) * 2;
		document.getElementById('add_x3').innerHTML = roundAccuracy(document.prem_calc.addEarnings.value, -3) * 3;
		document.getElementById('add_x4').innerHTML = roundAccuracy(document.prem_calc.addEarnings.value, -3) * 4;
		document.getElementById('add_x5').innerHTML = roundAccuracy(document.prem_calc.addEarnings.value, -3) * 5;
		
		document.getElementById('add_x1_family').innerHTML = roundAccuracy(document.prem_calc.addEarnings.value, -3) * 1;
		document.getElementById('add_x2_family').innerHTML = roundAccuracy(document.prem_calc.addEarnings.value, -3) * 2;
		document.getElementById('add_x3_family').innerHTML = roundAccuracy(document.prem_calc.addEarnings.value, -3) * 3;
		document.getElementById('add_x4_family').innerHTML = roundAccuracy(document.prem_calc.addEarnings.value, -3) * 4;
		document.getElementById('add_x5_family').innerHTML = roundAccuracy(document.prem_calc.addEarnings.value, -3) * 5;
		
		monthlyPrem1 = ((document.getElementById('add_x1').innerHTML/1000) * .02);
		monthlyPrem2 = ((document.getElementById('add_x2').innerHTML/1000) * .02);
		monthlyPrem3 = ((document.getElementById('add_x3').innerHTML/1000) * .02);
		monthlyPrem4 = ((document.getElementById('add_x4').innerHTML/1000) * .02);
		monthlyPrem5 = ((document.getElementById('add_x5').innerHTML/1000) * .02);
		
		monthlyPrem1_family = ((document.getElementById('add_x1_family').innerHTML/1000) * .035);
		monthlyPrem2_family = ((document.getElementById('add_x2_family').innerHTML/1000) * .035);
		monthlyPrem3_family = ((document.getElementById('add_x3_family').innerHTML/1000) * .035);
		monthlyPrem4_family = ((document.getElementById('add_x4_family').innerHTML/1000) * .035);
		monthlyPrem5_family = ((document.getElementById('add_x5_family').innerHTML/1000) * .035);
		
		var m1 = document.getElementById('add_mon1');
		m1.innerHTML = Math.round(monthlyPrem1 * 100)/100; //rounds to nearest hundredth
			m1.innerHTML=''+m1.innerHTML; //following lines add two zeros after decimal point if figure ends in a 0. Ex: 25.80 appears as 25.80, not 25.8.
			dotPos=m1.innerHTML.indexOf(".");
			if(dotPos==-1){m1.innerHTML+=".00";}
			if(dotPos==m1.innerHTML.length-2){m1.innerHTML+="0";}
			
		var m1_family = document.getElementById('add_mon1_family');
		m1_family.innerHTML = Math.round(monthlyPrem1_family * 100)/100; //rounds to nearest hundredth
			m1_family.innerHTML=''+m1_family.innerHTML; //following lines add two zeros after decimal point if figure ends in a 0. Ex: 25.80 appears as 25.80, not 25.8.
			dotPos=m1_family.innerHTML.indexOf(".");
			if(dotPos==-1){m1_family.innerHTML+=".00";}
			if(dotPos==m1_family.innerHTML.length-2){m1_family.innerHTML+="0";}	
		
		var m2 = document.getElementById('add_mon2');
		m2.innerHTML = Math.round(monthlyPrem2 * 100)/100;
			m2.innerHTML=''+m2.innerHTML;
			dotPos=m2.innerHTML.indexOf(".");
			if(dotPos==-1){m2.innerHTML+=".00";}
			if(dotPos==m2.innerHTML.length-2){m2.innerHTML+="0";}
			
		var m2_family = document.getElementById('add_mon2_family');
		m2_family.innerHTML = Math.round(monthlyPrem2_family * 100)/100;
			m2_family.innerHTML=''+m2_family.innerHTML;
			dotPos=m2_family.innerHTML.indexOf(".");
			if(dotPos==-1){m2_family.innerHTML+=".00";}
			if(dotPos==m2_family.innerHTML.length-2){m2_family.innerHTML+="0";}
			
		var m3 = document.getElementById('add_mon3');
		m3.innerHTML = Math.round(monthlyPrem3 * 100)/100;
			m3.innerHTML=''+m3.innerHTML;
			dotPos=m3.innerHTML.indexOf(".");
			if(dotPos==-1){m3.innerHTML+=".00";}
			if(dotPos==m3.innerHTML.length-2){m3.innerHTML+="0";}
			
		var m3_family = document.getElementById('add_mon3_family');
		m3_family.innerHTML = Math.round(monthlyPrem3_family * 100)/100;
			m3_family.innerHTML=''+m3_family.innerHTML;
			dotPos=m3_family.innerHTML.indexOf(".");
			if(dotPos==-1){m3_family.innerHTML+=".00";}
			if(dotPos==m3_family.innerHTML.length-2){m3_family.innerHTML+="0";}
			
		var m4 = document.getElementById('add_mon4');
		m4.innerHTML = Math.round(parseFloat(monthlyPrem4) * 100)/100;
			m4.innerHTML=''+m4.innerHTML;
			dotPos=m4.innerHTML.indexOf(".");
			if(dotPos==-1){m4.innerHTML+=".00";}
			if(dotPos==m4.innerHTML.length-2){m4.innerHTML+="0";}
			
		var m4_family = document.getElementById('add_mon4_family');
		m4_family.innerHTML = Math.round(parseFloat(monthlyPrem4_family) * 100)/100;
			m4_family.innerHTML=''+m4_family.innerHTML;
			dotPos=m4_family.innerHTML.indexOf(".");
			if(dotPos==-1){m4_family.innerHTML+=".00";}
			if(dotPos==m4_family.innerHTML.length-2){m4_family.innerHTML+="0";}
			
		var m5 = document.getElementById('add_mon5');
		m5.innerHTML = Math.round(monthlyPrem5 * 100)/100;
			m5.innerHTML=''+m5.innerHTML;
			dotPos=m5.innerHTML.indexOf(".");
			if(dotPos==-1){m5.innerHTML+=".00";}
			if(dotPos==m5.innerHTML.length-2){m5.innerHTML+="0";}
			
		var m5_family = document.getElementById('add_mon5_family');
		m5_family.innerHTML = Math.round(monthlyPrem5_family * 100)/100;
			m5_family.innerHTML=''+m5_family.innerHTML;
			dotPos=m5_family.innerHTML.indexOf(".");
			if(dotPos==-1){m5_family.innerHTML+=".00";}
			if(dotPos==m5_family.innerHTML.length-2){m5_family.innerHTML+="0";}
		
		var y1 = document.getElementById('add_yearly1');
		y1.innerHTML = formatAsCurrency(m1.innerHTML*12);
		var y1_family = document.getElementById('add_yearly1_family');
		y1_family.innerHTML = formatAsCurrency(m1_family.innerHTML*12);
		
		var y2 = document.getElementById('add_yearly2');
		y2.innerHTML = formatAsCurrency(m2.innerHTML*12);
		var y2_family = document.getElementById('add_yearly2_family');
		y2_family.innerHTML = formatAsCurrency(m2_family.innerHTML*12);
		
		var y3 = document.getElementById('add_yearly3');
		y3.innerHTML = formatAsCurrency(m3.innerHTML*12);
		var y3_family = document.getElementById('add_yearly3_family');
		y3_family.innerHTML = formatAsCurrency(m3_family.innerHTML*12);
		
		var y4 = document.getElementById('add_yearly4');
		y4.innerHTML = formatAsCurrency(m4.innerHTML*12);
		var y4_family = document.getElementById('add_yearly4_family');
		y4_family.innerHTML = formatAsCurrency(m4_family.innerHTML*12);
		
		var y5 = document.getElementById('add_yearly5');
		y5.innerHTML = formatAsCurrency(m5.innerHTML*12);
		var y5_family = document.getElementById('add_yearly5_family');
		y5_family.innerHTML = formatAsCurrency(m5_family.innerHTML*12);
		
		
		m1.innerHTML = formatAsCurrency(m1.innerHTML);
		m2.innerHTML = formatAsCurrency(m2.innerHTML);
		m3.innerHTML = formatAsCurrency(m3.innerHTML);
		m4.innerHTML = formatAsCurrency(m4.innerHTML);
		m5.innerHTML = formatAsCurrency(m5.innerHTML);
		
		m1_family.innerHTML = formatAsCurrency(m1_family.innerHTML);
		m2_family.innerHTML = formatAsCurrency(m2_family.innerHTML);
		m3_family.innerHTML = formatAsCurrency(m3_family.innerHTML);
		m4_family.innerHTML = formatAsCurrency(m4_family.innerHTML);
		m5_family.innerHTML = formatAsCurrency(m5_family.innerHTML);

		
		if(document.getElementById('add_x1').innerHTML > 1000000){
			document.getElementById('add_x1').innerHTML = "&ndash;";
			document.getElementById('add_mon1').innerHTML = "&ndash;";
			document.getElementById('add_yearly1').innerHTML = "&ndash;";
		}
		if(document.getElementById('add_x1_family').innerHTML > 1000000){
			document.getElementById('add_x1_family').innerHTML = "&ndash;";
			document.getElementById('add_mon1_family').innerHTML = "&ndash;";
			document.getElementById('add_yearly1_family').innerHTML = "&ndash;";
		}
		
		if(document.getElementById('add_x2').innerHTML > 1000000){
			document.getElementById('add_x2').innerHTML = "&ndash;";
			document.getElementById('add_mon2').innerHTML = "&ndash;";
			document.getElementById('add_yearly2').innerHTML = "&ndash;";
		}
		if(document.getElementById('add_x2_family').innerHTML > 1000000){
			document.getElementById('add_x2_family').innerHTML = "&ndash;";
			document.getElementById('add_mon2_family').innerHTML = "&ndash;";
			document.getElementById('add_yearly2_family').innerHTML = "&ndash;";
		}
		
		if(document.getElementById('add_x3').innerHTML > 1000000){
			document.getElementById('add_x3').innerHTML = "&ndash;";
			document.getElementById('add_mon3').innerHTML = "&ndash;";
			document.getElementById('add_yearly3').innerHTML = "&ndash;";
		}
		if(document.getElementById('add_x3_family').innerHTML > 1000000){
			document.getElementById('add_x3_family').innerHTML = "&ndash;";
			document.getElementById('add_mon3_family').innerHTML = "&ndash;";
			document.getElementById('add_yearly3_family').innerHTML = "&ndash;";
		}
		
		if(document.getElementById('add_x4').innerHTML > 1000000){
			document.getElementById('add_x4').innerHTML = "&ndash;";
			document.getElementById('add_mon4').innerHTML = "&ndash;";
			document.getElementById('add_yearly4').innerHTML = "&ndash;";
		}
		if(document.getElementById('add_x4_family').innerHTML > 1000000){
			document.getElementById('add_x4_family').innerHTML = "&ndash;";
			document.getElementById('add_mon4_family').innerHTML = "&ndash;";
			document.getElementById('add_yearly4_family').innerHTML = "&ndash;";
		}
		
		if(document.getElementById('add_x5').innerHTML > 1000000){
			document.getElementById('add_x5').innerHTML = "&ndash;";
			document.getElementById('add_mon5').innerHTML = "&ndash;";
			document.getElementById('add_yearly5').innerHTML = "&ndash;";
		}
		if(document.getElementById('add_x5_family').innerHTML > 1000000){
			document.getElementById('add_x5_family').innerHTML = "&ndash;";
			document.getElementById('add_mon5_family').innerHTML = "&ndash;";
			document.getElementById('add_yearly5_family').innerHTML = "&ndash;";
		}
		
		document.prem_calc.addEarnings.value = formatAsCurrency(document.prem_calc.addEarnings.value);
		
		if(document.getElementById('add_x1').innerHTML <= 1000000){
			 document.getElementById('add_x1').innerHTML = formatAsCurrency(document.getElementById('add_x1').innerHTML);
		}
		if(document.getElementById('add_x1_family').innerHTML <= 1000000){
			 document.getElementById('add_x1_family').innerHTML = formatAsCurrency(document.getElementById('add_x1_family').innerHTML);
		}
		
		if(document.getElementById('add_x2').innerHTML <= 1000000){
			document.getElementById('add_x2').innerHTML = formatAsCurrency(document.getElementById('add_x2').innerHTML);
		}
		if(document.getElementById('add_x2_family').innerHTML <= 1000000){
			document.getElementById('add_x2_family').innerHTML = formatAsCurrency(document.getElementById('add_x2_family').innerHTML);
		}
		
		if(document.getElementById('add_x3').innerHTML <= 1000000){
			document.getElementById('add_x3').innerHTML = formatAsCurrency(document.getElementById('add_x3').innerHTML);
		}
		if(document.getElementById('add_x3_family').innerHTML <= 1000000){
			document.getElementById('add_x3_family').innerHTML = formatAsCurrency(document.getElementById('add_x3_family').innerHTML);
		}
		
		if(document.getElementById('add_x4').innerHTML <= 1000000){
			document.getElementById('add_x4').innerHTML = formatAsCurrency(document.getElementById('add_x4').innerHTML);
		}
		if(document.getElementById('add_x4_family').innerHTML <= 1000000){
			document.getElementById('add_x4_family').innerHTML = formatAsCurrency(document.getElementById('add_x4_family').innerHTML);
		}
		
		if(document.getElementById('add_x5').innerHTML <= 1000000){
			document.getElementById('add_x5').innerHTML = formatAsCurrency(document.getElementById('add_x5').innerHTML);
		}
		if(document.getElementById('add_x5_family').innerHTML <= 1000000){
			document.getElementById('add_x5_family').innerHTML = formatAsCurrency(document.getElementById('add_x5_family').innerHTML);
		}
		
		document.getElementById('add_estimates').style.display = "block";
		location.hash = '#addtable';
	//}

}	

function noEstimates() {
	var form = document.prem_calc;
	document.getElementById('estimates').style.display = "none";
	document.getElementById('add_estimates').style.display = "none";			
	//form.reset();
}