function Morgcal() 
	 { form = document.myform 
		LoanAmount= form.LoanAmount.value 
		DownPayment= "0" 
		AnnualInterestRate= form.InterestRate.value/100 
		Years= form.NumberOfYears.value 
		MonthRate=AnnualInterestRate/12 
		NumPayments=Years*12 
		Prin=LoanAmount-DownPayment 
		MonthPayment=Math.floor((Prin*MonthRate)/(1-Math.pow((1+MonthRate),(-1*NumPayments)))*100)/100 
		form.NumberOfPayments.value=NumPayments 
		form.MonthlyPayment.value=MonthPayment.toFixed(2)
	}