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
}