var irate, mi, cmi, years, princ, paym, cpaym, osp,v,downp,downr,comp;
function calcPaym(cdn){
   princ = round2d(parseFloat(document.smpc.princ.value));
   
   
   document.smpc.princ.value = fmt2d(princ,0);
   
      
   
   irate = .01*parseFloat(document.smpc.percent.value);   
   years=parseFloat(document.smpc.term.value);
   term = parseFloat(document.smpc.term.value);
      
   if (term==0 || irate<.0001||princ<1)
   {alert("values must be numeric");}
   else 
   {       
       mi = 1+(irate/12);
       v = 1/mi;
       paym = ceil2d(princ*(mi-1)/(1-Math.pow(mi,-(years*12))));
       osp = (princ-(v*paym*(1-Math.pow(v,12*term)))/(1-v))/Math.pow(v,12*term);
       if(osp<0)osp = 0;


       document.smpc.paym.value= paym.toFixed(2);       
       
   }
}
function round2d(n){return(.01* Math.round(100*n));}
function floor2d(n){return(.01* Math.floor(100*n));}
function ceil2d(n){return(.01* Math.ceil(100*n));}
// format number n as string width w with 2 decimal places
function fmt2d(n,w)
{
   var work,dp,sl,dl;
   
   work = ""+floor2d(n); // force only 2 decimals
   sl=work.length;
   
   if(-1 == (dp = work.indexOf(".")))work=work+".00";
   else if(3 > sl-dp)work = work+".00".substring(sl-dp,3);
   sl = work.length;
   if(0 != w && w !=sl)
      if(w<sl){work = "*";for(sl=1;sl<w;sl++)work=work+"*";}
      else for(;sl<w;sl++)work=" "+work; 
   return work;
}
//-->