function	atocurr( x ) {

  	var num, decnum, decstr, retval;

   x = "" + eval( x );

   num = parseInt( x );

   if( isNaN( num ) ) num = 0;

   decnum = Math.abs( parseFloat( x ) - num );

  	if( isNaN( decnum ) ) decnum = .0;

   decnum *= 100;

   decstr = "" + Math.abs( Math.round( decnum ) );

   while( decstr.length < 2 )	{

   	decstr = "0" + decstr;

  	}

  	retval =  num + "." + decstr ;

   return retval;

  }

  function	atof( x ) {

   if ( isNaN( parseFloat( x ) ) ) {

    return 0;

   } else	{

    return parseFloat( x );

   }

  }

  

  function changeincome( ) {

  }

  

  function recalctotal( ) {

   var p = .0;

   y = atof( document.myform["income"].value );

   r = atof( document.myform["intrate"].value );

   n = atof( document.myform["term"].value );

   if ( document.myform.morttype[0].checked ) {

    p =  y / (Math.pow( (1 + (r / 100)),n) * (r / 100) * ( 1 / ( Math.pow( 1 + (r / 100), n) -1) ) * ( 1 / 12)); 

   } else {

    p = y * 1200 / r;

   }

   document.myform["result"].value = atocurr( p );

  }