<!-- Begin


function EXP(a,b)
{
t = 1.0;
 for(x = 1; x <= b; x++) 
    {
     t = t * a;
    }
ans = t;
return(ans);
}

function clearForm(form) {
	form.intrate.value = "0";
    form.FederalTax.value = "0";
    form.StateTax.value = "0";
	form.LocalTax.value = "0";
	form.ExemptFederal.value.checked = false;
	form.ExemptState.value.checked = true;
	form.ExemptLocal.value.checked = true;
	form.Itemize.value  = "no";
}


function equiv (form) {

var intrate = Number(form.intrate.value);
var FederalTax = Number(form.FederalTax.value)/100;
var StateTax = Number(form.StateTax.value)/100;
var LocalTax = Number(form.LocalTax.value)/100;
var Itemize = Number(form.Itemize.value);

if ( isNaN(intrate) || isNaN(FederalTax) || isNaN(StateTax) || isNaN(LocalTax) )
{
	alert("Error.  Please enter all requested values.");
}

var tax = 0;

        if ( !form.ExemptFederal.checked ) {
                tax = tax + FederalTax;
        }

        if ( !form.ExemptState.checked ) {
                tax = tax + StateTax;
        }

        if ( !form.ExemptLocal.checked ) {
                tax = tax + LocalTax;
        }

if (form.Itemize[0].checked == true) {  // itemized

  TER = (intrate * (1 - tax)) / (1 - FederalTax - StateTax - LocalTax + (FederalTax * (StateTax + LocalTax)));
}
else { // not itemized
  
  TER = (intrate * (1 - tax)) / (1 - FederalTax - StateTax - LocalTax);
}

  form.TER.value = Math.round(TER*1000)/1000; 


}

// End -->