// Monthly Payment Calculator
function calculate(){

	var PV = Number(document.forms[0].PV.value);
	var N = Number(document.forms[0].N.value);
	var i = Number(document.forms[0].i.value);

	var time = Number(document.forms[0].time.selectedIndex);

	var mPMT = 0;
	var tPMT = 0;
	var tINT = 0;

    if (i >= 1.0) { i = i / 100;}
	i = i / 12;
	
	if ( time == 1 ){ N = N;}
	if ( time == 0 ){ N = N * 12;}


	var x = 1 + i;

   mPMT = ( PV * Math.pow(x,N) ) / ( ( ( Math.pow(x,N) - 1 ) / i ) );
   tPMT = mPMT * N;
   tINT = tPMT - PV;

   document.forms[0].mPMT.value = Math.round( 100 * mPMT)/ 100;
   document.forms[0].tPMT.value = Math.round( 100 * tPMT)/ 100;
   document.forms[0].tINT.value = Math.round( 100 * tINT)/ 100;

}