function validate()
	{
	var advance;
	var term;
	var payment;
	var intpayment;
	var rate;
	
	advance = calcform.adv.value;
	term = calcform.t.value;
	rate = calcform.r.value;


payment = Math.ceil((((rate/100)/12)*(advance*(Math.pow(1+((rate/100)/12),(term*12)))))/(0-(((1+(((rate/100)/12)*0))*(1-(Math.pow(1+((rate/100)/12),(term*12))))))));
calcform.anstext.value = "Capital & Interest : ";
calcform.ans.value = payment;
intpayment = Math.ceil(advance*(rate/100)/12);
calcform.intanstext.value = "Interest Only : ";
calcform.intans.value = intpayment;
}