var amortsub = false;

function calcLoan() {

var formvals = getFormVal();

var years = formvals[0];
var months = years;


var loan = formvals[2];
var apr = formvals[1];

var mpr = apr / 1200;
var nfactor = 0 - months;
var mofactor = Math.pow((1 + mpr), nfactor);
var bofactor = 1 - mofactor;
var tofactor = mpr / bofactor;

var payment = loan * tofactor;
var reducto = Math.round(payment*100)/100;

document.wcbubba.payment.value = "$"+reducto;

if (amortsub) showAm();

}

function showAm(){

amortsub = true;

formvals = getFormVal();

var years = formvals[0];
var months = years;

var loan = formvals[2];
var apr = formvals[1];

var mpr = apr / 1200;
var nfactor = 0 - months;
var mofactor = Math.pow((1 + mpr), nfactor);
var bofactor = 1 - mofactor;
var tofactor = mpr / bofactor;

var payment = loan * tofactor;
var reducto = Math.round(payment*100)/100;

document.wcbubba.payment.value = "$"+reducto;

// NOW WE CALCULATE THE AMORTIZATION

var intpaid = 0;
var princpaid = 0;
var factsout = "";
var inyear = 0;
var inmonth = 0;

document.getElementById('amortsub').innerHTML = '<b style="font-size:19px;">MONTHLY AMORTIZATION</b><br><br>';

for(var i=0;i<months;i++){
intpaid = Math.round((mpr * loan) *100)/100;
princpaid = Math.round((reducto - intpaid)*100)/100;
loan = Math.round((loan - princpaid)*100)/100;

inyear = parseInt(i/12);
inmonth = i - (inyear * 12);

factsout += '<b>Year ' + (inyear + 1) + ' Month ' + (inmonth +1) + ':</b><br>   Principal Paid: $' + princpaid + '<br>   Interest Paid: $' + intpaid + '<br>   Principal Remaining: $' + loan + '<br>';


}
document.getElementById('amortsub').innerHTML += factsout;

flush();

}

function getFormVal(){

var years = parseInt(document.wcbubba.term.value);
var loan = parseInt(document.wcbubba.loan.value);
var apr = parseFloat(document.wcbubba.apr.value);

if((years <= 0)||(isNaN(years))) years = 1;
if((apr <= 0)||(isNaN(apr))) apr = 1;
if((loan <= 0)||(isNaN(loan))) loan = 1;

var mike = new Array(years,apr,loan);

return mike;
}