frm=document.getElementById('DiscountPointsCalculator');
calculate();

function calculate() {

// GET THE VALUES
rateNoPoints = fix(frm.RateNoPoints.value)/100/12;
rateWithPoints=fix(frm.RateWithPoints.value)/100/12;
loan = fix(frm.Loan.value)-0;
points=frm.Points.options[frm.Points.selectedIndex].value-0;
term=frm.Term.value;

//CALCULATE
pmtNoPoints = Math.round( (rateNoPoints*loan) / (1- Math.pow(1+rateNoPoints,-term*12) ) );
pmtWithPoints = Math.round( (rateWithPoints*loan) / (1- Math.pow(1+rateWithPoints,-term*12) ));
monthlySavings = Math.round( (pmtNoPoints-pmtWithPoints)*100)/100;

costOfPoints = Math.round(loan*points/100)
breakevenPoint = Math.round(costOfPoints/monthlySavings/12*10)/10;

// REPORT
document.getElementById('PmtNoPoints').innerHTML=pmtNoPoints;
document.getElementById('PmtWithPoints').innerHTML=pmtWithPoints;
document.getElementById('CostOfPoints').innerHTML=costOfPoints;
document.getElementById('MonthlySavings').innerHTML=monthlySavings;
document.getElementById('BreakevenPoint').innerHTML=breakevenPoint;
document.getElementById('BreakevenPoint2').innerHTML=breakevenPoint;
}

function fix(stringToFix) {
	return stringToFix.replace(/[^0-9.]/g,"");
}