/* Functions for Nevada STD calc
	April 2007 - aschotland
*/

// Premium Functions for STD ----------------------------------------------------------

function roundAccuracy2(num, acc){
	//alert(num + " - " + acc);
	var factor=Math.pow(10,acc);
	//alert("factor = " + factor);
	var result = Math.floor(num*factor)/factor;
	//alert("monthly rounded amount = " + result);
	return Math.floor(num*factor)/factor;
	}

	function calc_prem(who) {
		var form = document.prem_calc;
		
		resetSalary();
			
		//document.getElementById('myAmt_hold').value = roundAccuracy2(monthly, -3);
		if(who=="std") {
			with (form) {
				salarySTD = (mySTDAmt.value)/52;
				controlFunc = (salarySTD * .60);
				//controlFunc = roundAccuracy2((salarySTD * .60), -1); rounding down to nearest 10 dollar
				//controlFunc = roundAccuracy2(controlFunc, -3);
				volSTD = controlFunc * rate_lookup_7(myAge.value);
				monthlyPrem = volSTD;
				volSTD14 = controlFunc * rate_lookup_14(myAge.value);
				monthlyPrem14 = volSTD14;
				volSTD30 = controlFunc * rate_lookup_30(myAge.value);
				monthlyPrem30 = volSTD30;
				
				//mySTDAmt.value = formatAsCurrency(mySTDAmt.value);
				//myVolSTDAmt.value = formatAsCurrency(myVolSTDAmt.value);
				//document.prem_calc.cf.value = formatAsCurrency(document.prem_calc.cf.value);
				document.getElementById('stdPrem').innerHTML = formatAsCurrency(monthlyPrem);
				document.getElementById('wBenefit').innerHTML = formatAsCurrency(controlFunc);
				document.getElementById('std14Prem').innerHTML = formatAsCurrency(monthlyPrem14);
				document.getElementById('w14Benefit').innerHTML = formatAsCurrency(controlFunc);
				document.getElementById('std30Prem').innerHTML = formatAsCurrency(monthlyPrem30);
				document.getElementById('w30Benefit').innerHTML = formatAsCurrency(controlFunc);
			}
				/*
				if (parseInt(document.prem_calc.myVolSTDAmt.options[document.prem_calc.myVolSTDAmt.selectedIndex].value) > document.prem_calc.cf.value){
					document.prem_calc.stdPrem.value = "";
					alert("The selected Voluntary STD Benefit Amount exceeds your allowable limit. Please select a lower benefit amount.");
					return false;
					} else {
					return true;	
				}
				*/
				
				/*
				if(document.prem_calc.myVolSTDAmt.value<100 || document.prem_calc.myVolSTDAmt.value>1150){
				document.prem_calc.stdPrem.value = "";
				alert("The Voluntary STD Coverage Amount you have entered is not valid. Coverage amount is a minimum of $100 to a maximum of $1150.");
				return false;
				} else {
				return true;	
				}
				*/
				
		}
	
	
	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.round(num*factor)/factor;
	}

	/*
	function validate_amt(who) {
		var form = document.prem_calc;
		myWhole = who/1000;
		if(myWhole/10 != parseInt(myWhole/10)){
			alert("The coverage amount entered is not valid. Coverage amount is $10,000 increments to a maximum of $500,000."); form.myAmt.focus(); return false;
		}
		return true;
	}
	*/
	
	function resetSalary(){
		if(document.prem_calc.mySTDAmt.value != ""){
			document.prem_calc.mySTDAmt.value=document.prem_calc.mySTDAmt.value.replace(/,/g,"");
			document.prem_calc.mySTDAmt.value=document.prem_calc.mySTDAmt.value.replace(/[$]/g,"");
			document.prem_calc.mySTDAmt.value=document.prem_calc.mySTDAmt.value.split(".",1)
		}
		if(document.prem_calc.mySTDAmt.value>130000){
			alert("The maximum salary is $130,000.");
			document.prem_calc.mySTDAmt.value=130000;
		}
	}
	
/*	function rate_lookup_7(myAge) {
		if(myAge < 29){rate=.070}
		if(myAge >=30 && myAge <=34){rate=.084}
		if(myAge >=35 && myAge <=39){rate=.071}
		if(myAge >=40 && myAge <=44){rate=.068}
		if(myAge >=45 && myAge <=49){rate=.080}
		if(myAge >=50 && myAge <=54){rate=.089}
		if(myAge >=55 && myAge <=59){rate=.118}
		if(myAge >=60){rate=.148}
		return rate;
	}*/
	
	function rate_lookup_7(myAge) {
		if(myAge <= 29){rate=.121}
		if(myAge >=30 && myAge <=34){rate=.144}
		if(myAge >=35 && myAge <=39){rate=.122}
		if(myAge >=40 && myAge <=44){rate=.117}
		if(myAge >=45 && myAge <=49){rate=.138}
		if(myAge >=50 && myAge <=54){rate=.153}
		if(myAge >=55 && myAge <=59){rate=.203}
		if(myAge >=60){rate=.255}
		return rate;
	}
	function rate_lookup_14(myAge) {
		if(myAge <= 29){rate=.047}
		if(myAge >=30 && myAge <=34){rate=.055}
		if(myAge >=35 && myAge <=39){rate=.045}
		if(myAge >=40 && myAge <=44){rate=.042}
		if(myAge >=45 && myAge <=49){rate=.050}
		if(myAge >=50 && myAge <=54){rate=.055}
		if(myAge >=55 && myAge <=59){rate=.073}
		if(myAge >=60){rate=.092}
		return rate;
	}
	
	function rate_lookup_30(myAge) {
		if(myAge <= 29){rate=.024}
		if(myAge >=30 && myAge <=34){rate=.028}
		if(myAge >=35 && myAge <=39){rate=.023}
		if(myAge >=40 && myAge <=44){rate=.021}
		if(myAge >=45 && myAge <=49){rate=.025}
		if(myAge >=50 && myAge <=54){rate=.027}
		if(myAge >=55 && myAge <=59){rate=.037}
		if(myAge >=60){rate=.046}
		return rate;
	}