function calcLoan() {

var formvals = getFormVal();

var months = formvals[0];


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 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;
}