var openDiv = null;
	
		function getScrollY() {
			var scrOfX = 0, scrOfY = 0;
			if( typeof( window.pageYOffset ) == 'number' ) {
				//Netscape compliant
				scrOfY = window.pageYOffset;
			} else if( document.body && ( document.body.scrollLeft || document.body.scrollTop ) ) {
				//DOM compliant
				scrOfY = document.body.scrollTop;
			} else if( document.documentElement && ( document.documentElement.scrollLeft || document.documentElement.scrollTop ) ) {
				//IE6 standards compliant mode
				scrOfY = document.documentElement.scrollTop;
			} 
			return scrOfY ;
		}

		function popUpDiv(popID) {
			if(openDiv){
				if(openDiv!=popID){
					closePopupDiv(openDiv);
				}
			}
			   var scrollTop = getScrollY() + 50;
			document.getElementById(popID).style.top	=scrollTop +'px';
			document.getElementById(popID).style.display ='block';
			openDiv = popID;
		}	
	
		function closePopupDiv(popID){
			document.getElementById(popID).style.display ='none';
			openDiv = null;
		}

function ERC_CALC(){

//declare key variables

  //assign value of text input labelled Current Balance to var Loan

	var	Loan		=	document.getElementById("mrcCurBal").value;
	//Loan			=	parseFloat(Loan.replace(/[^0-9.]/g, ''));
	
	// set datatype of var Loan to int
	
	Loan			=	parseFloat(Loan); 

	// assign value of text input labelled Current interest to var Rate
//	alert("Loan: "+Loan);	
	var	Rate		=	document.getElementById("mrcCurInt").value;
	
	// set dataType of var Rate to int and remove any non numeric (allow 0-9 and . )
	
	Rate			=	parseFloat(Rate.replace(/[^0-9.]/g, ''));
//alert("Rate: "+Rate);		
	// assign the selected value of the list labelled Month to var Term
		
	var Term	= 	document.getElementById('mrcRepChrgTerm').options[document.getElementById('mrcRepChrgTerm').selectedIndex].value;
//alert("Term: "+Term)

	// assign the selected value of the list labelled years to var TermMonth

//	var TermMonths	= document.getElementById('mrcRepChrgMonths').options[document.getElementById('mrcRepChrgMonths').selectedIndex].value;

  // calculate the total number of months  selected and assign the number to var Term

//	var Term		= 	TermYears * 12 + TermMonths
	
	// assign value of text input labelled What is the early repayment charge you have to pay? too var PenaltyAmount
	
	var PenaltyAmount = document.getElementById("mrcEarlyRepCharge").value;
	
	// set dataType to int and remove any non numeric (allow 0-9 and . )
	
	PenaltyAmount 	= 	parseFloat(PenaltyAmount.replace(/[^0-9.]/g, ''));	
//alert("Penalty Amount: " + PenaltyAmount);
	// assign the selected value of the list labelled What is the early repayment charge you have to pay? to var PenHow  

	var PenHow = document.getElementById('mrcEarlyRepChrgType').options[document.getElementById('mrcEarlyRepChrgType').selectedIndex].value;
//alert("PenHow: "+PenHow)
  //initialise vara Penalty, assigning value 0 to it

	var Penalty = 0;
	
	
// figure out penalty whether it is % or Val
	if (PenHow == 2){
	Penalty = PenaltyAmount * Loan / 100;
//alert("Penalty%: "+Penalty);
	}
	else {
	Penalty = PenaltyAmount
//	alert("Penalty£: "+Penalty);
	}
	
  //assign 1 to var addToLoan if rad box choice labelled Would you like to add this charge to your new mortgage?  is set to yes or 2 if it is set to no
  var a = document.getElementById('mrcAddYes').checked;
	if(a)
	{
	   AddToLoan = 1;
//	   alert("AddToLoanY: "+AddToLoan)
	}else 
	{
	   AddToLoan = 2;
//	   alert("AddToLoanN: "+AddToLoan)
  }
  
  
  
  var Fees = 80000 / Loan
  
  var optFees = new Array(4);
  
  optFees[0] = 0 / Loan;
  optFees[1] = 50000 / Loan;
  optFees[2] = 100000 / Loan;
  optFees[3] = 150000 / Loan;
  
    var optFees2 = new Array(4);
    
  optFees2[0] = 0;
  optFees2[1] = 500;
  optFees2[2] = 1000;
  optFees2[3] = 1500;    

//alert("Fees: "+Fees);
	PenaltyAsPerc = (Penalty / Loan) * 100
//	alert("Penalty as Perc: "+PenaltyAsPerc)

// Calculations for if not added to loan
//	var NotAddedPayFees =  Rate - (((Fees + PenaltyAsPerc)*12) / Term) 

  var NotAddedPayFees = new Array(4);
  
  for(var i=0;i<NotAddedPayFees.length;i++)
  {
  NotAddedPayFees[i] = Rate - (((optFees[i] + Fees + PenaltyAsPerc)*12) / Term)  
	
//	alert("NotAddedPayFees: " + NotAddedPayFees);
	// Round to 2 decimal places
		NotAddedPayFees[i] = Math.round(NotAddedPayFees[i] * 100)
		
//	alert("NotAddedPayFees: " + NotAddedPayFees);
		
		NotAddedPayFees[i] = NotAddedPayFees[i] / 100
	}	
//	alert("NotAddedPayFees: " + NotAddedPayFees);

		var NotAddedFeesPaid =   new Array(4);

  for(var i=0;i<NotAddedFeesPaid.length;i++)
  {
    NotAddedFeesPaid[i] = Rate - (((optFees[i] + PenaltyAsPerc)*12) / Term);
    
    NotAddedFeesPaid[i] = Math.round(NotAddedFeesPaid[i] * 100)
    
		NotAddedFeesPaid[i] = NotAddedFeesPaid[i] / 100
  }

  		
//		var NotAddedFeesPaid = Rate - ((optFees[i] + PenaltyAsPerc*12) / Term)

//	alert("NotAddedFeesPaid: " + NotAddedFeesPaid);		
		
	// Round to 2 decimal places
//		NotAddedFeesPaid = Math.round(NotAddedFeesPaid * 100)
	//	NotAddedFeesPaid = NotAddedFeesPaid / 100
		
//	alert("NotAddedFeesPaid: " + NotAddedFeesPaid);		
		
// Calculations for if added to loan

//	var TerminYears = TermMonths/12 + TermYears

	var TerminYears = Term /12
//alert(TerminYears);
	var CostofStaying = Loan * Rate/100 * TerminYears
	
//alert("CostofStaying: "+CostofStaying);	
	
	var numerator = CostofStaying - Penalty
	
//alert("numerator"+numerator);	
	
	var denomiator = (TerminYears/100) * (Loan + Penalty)
	
//alert("denomiator: "+denomiator);	

	var AddedPayfees = new Array(4);
	
  for(var i=0;i<NotAddedFeesPaid.length;i++)
	{
  
    AddedPayfees[i] = (numerator - (800+optFees2[i])) / denomiator;
 
 		AddedPayfees[i] = Math.round(AddedPayfees[i] * 100)
 		
		AddedPayfees[i] = AddedPayfees[i] / 100
  
  }

//	var AddedPayfees = (numerator - 800) / denomiator
	// Round to 2 decimal places
//		AddedPayfees = Math.round(AddedPayfees * 100)
//		AddedPayfees = AddedPayfees / 100
		
//alert("AddedPayfees: "+AddedPayfees);		
	var AddedFeesFree = new Array(4);	
 
  for(var i=0;i<AddedFeesFree.length;i++)
	{		
		
	 AddedFeesFree[i] = (numerator - optFees2[i])/ denomiator
	// Round to 2 decimal places
	AddedFeesFree[i] = Math.round(AddedFeesFree[i] * 100)
	AddedFeesFree[i] = AddedFeesFree[i] / 100
  }
  var a = document.getElementById('mrcPayYes').checked;

	if(a)
	{
	  var mrcLenderToPay = 1;


	}else
	{
	  var mrcLenderToPay = 2;
	   

	   
  }  

	   

if((isNaN(AddedFeesFree[0]))||(isNaN(NotAddedFeesPaid[0])))
{
alert("Please check the details you have entered are correct");

return false;

}	else
{


	
var mrcResultText;

var mrcResultRate;
	
if((mrcLenderToPay==1)&&(AddToLoan==1))	
{
  mrcResultText = AddedFeesFree;
}
else if((mrcLenderToPay==1)&&(AddToLoan==2))
{
  mrcResultText =  NotAddedFeesPaid;
}
else if((mrcLenderToPay==2)&&(AddToLoan==1))
{
  mrcResultText = AddedPayfees;
}
else if((mrcLenderToPay==2)&&(AddToLoan==2))
{
  mrcResultText = NotAddedPayFees;
}
	
	var q;
	
	if(PenHow==1){
  q ="&pound;"+PenaltyAmount;
  }
  else
  {
  q=PenaltyAmount+"%";
  }
	
	
if(mrcResultText[0]>0)
{
//  document.getElementById('mrcResults').innerHTML = "If you can get a new mortgage at <span style=\"color:#060;text-decoration:underline;font-size:16pt;\">"+mrcResultText+"%</span> interest or lower, then it IS worth ditching your current deal.";
// document.getElementById('mrcResults').innerHTML += "<p style=\"font-size:10pt\">This is based on a <span style=\"color:#00f;\">&pound;"+Loan+"</span> mortgage, currently at <span style=\"color:#00f;\">"+Rate+"%</span>, with a <span style=\"color:#00f;\">" +q+"</span> early repayment charge</p>"


//  document.getElementById('mrcResults').innerHTML = "<p style=\"margin-left:5px;font-size:0.8em;text-align:centre;\">This is based on a <span style=\"color:#00f;\">&pound;"+Loan+"</span> mortgage, currently at <span style=\"color:#00f;\">"+Rate+"%</span>, with a <span style=\"color:#00f;\">&pound;"+PenaltyAmount+"</span> early repayment charge</p>";
//  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:1em;text-align:left;\">If you can get a new mortgage deal at <span style=\"color:#060;text-decoration:underline;font-size:1.2em;\">"+mrcResultText+"%</span> interest or lower, the indications are you're likely to be able to save. </p>";
//  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:1em;text-align:left;\">Always do the full sums (a mortgage broker can help). Plus if the new deal charges an 'arrangement fee', you'll need to find an even cheaper mortgage to make ditching your fixed rate worth it.</p>";

  document.getElementById('mrcResults').innerHTML = "<p style=\"margin-left:5px;font-size:10pt;text-align:centre;\">On a <span style=\"color:#00f;\">&pound;"+Loan+"</span> mortgage, currently at <span style=\"color:#00f;\">"+Rate+"%</span>, with a <span style=\"color:#00f;\">"+q+"</span> early repayment charge</p>";
  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:14pt;text-align:centre;letter-spacing:-0.5px;\">You'd need a new mortgage that's consistently below <span style=\"color:#060;text-decoration:underline;font-size:1.2em;\">"+mrcResultText[0]+"%</span> to save</p>";

  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:10pt;text-align:left;font-weight:normal\"><span style=\"font-weight:bold;color:#F00;font-size:12pt;\">Warning! </span> This is a rough calculation.  Always do the full sums (a mortgage broker can help). Plus if the new deal charges an 'arrangement fee', you'll need to find an even cheaper mortgage to make ditching your fixed rate worth it.</p>";

  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:8pt;text-align:centre;font-weight:normal;\">With an arrangement fee of <span style=\"color:#00f;\">£"+optFees2[1]+"</span>, you’d need a new mortgage at <span style=\"color:#060;text-decoration:underline;font-size:1.2em;\">"+mrcResultText[1]+"%</span> or lower to save</p>";
  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:8pt;text-align:centre;font-weight:normal;\">With an arrangement fee of <span style=\"color:#00f;\">£"+optFees2[2]+"</span>, you’d need a new mortgage at <span style=\"color:#060;text-decoration:underline;font-size:1.2em;\">"+mrcResultText[2]+"%</span> or lower to save</p>";
  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:8pt;text-align:centre;font-weight:normal;\">With an arrangement fee of <span style=\"color:#00f;\">£"+optFees2[3]+"</span>, you’d need a new mortgage at <span style=\"color:#060;text-decoration:underline;font-size:1.2em;\">"+mrcResultText[3]+"%</span> or lower to save</p>";  



}
else  
{

//  document.getElementById('mrcResults').innerHTML = "<p>To make ditching your current deal worth it, you'd need a new mortgage at <span style=\"color:#f00;text-decoration:underline;font-size:16pt;\">"+mrcResultText+"%</span> interest or lower.</p><p> Negative interest rates for new customers are very unlikely to ever be available.</p>";
//  document.getElementById('mrcResults').innerHTML += "<p style=\"font-size:10pt\">This is based on a <span style=\"color:#00f;\">&pound;"+Loan+"</span> mortgage, currently at <span style=\"color:#00f;\">"+Rate+"%</span>, with a " +q+" early repayment charge</p>"

//  document.getElementById('mrcResults').innerHTML = "<p style=\"margin-left:5px;font-size:0.8em;text-align:centre;\">This is based on a <span style=\"color:#00f;\">&pound;"+Loan+"</span> mortgage, currently at <span style=\"color:#00f;\">"+Rate+"%</span>, with a <span style=\"color:#00f;\">&pound;"+PenaltyAmount+"</span> early repayment charge</p>";
//  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:1em;text-align:left;\">For ditching your fixed rate deal to have a chance of being worth it, you'd need a new mortgage at <span style=\"color:#f00;text-decoration:underline;font-size:1.2em;\">"+mrcResultText+"%</span> interest or lower.</p>";
//  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:1em;text-align:left;\">However, negative interest rates for new customers are about as likely as banks deciding to give out free cash on the streets!</p>";

  document.getElementById('mrcResults').innerHTML = "<p style=\"margin-left:5px;font-size:10pt;text-align:centre;\">On a <span style=\"color:#00f;\">&pound;"+Loan+"</span> mortgage, currently at <span style=\"color:#00f;\">"+Rate+"%</span>, with a <span style=\"color:#00f;\">"+q+"</span> early repayment charge</p>";
  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:14pt;text-align:centre;letter-spacing:-0.5px;\">You'd need a new mortgage that's consistently below <span style=\"color:#f00;text-decoration:underline;font-size:1.2em;\">"+mrcResultText[0]+"%</span> to save</p>";

  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:10pt;text-align:left;font-weight:normal;\"><span style=\"font-weight:bold;color:#F00;font-size:12pt;\">Warning!</span>  Assuming the figures you’ve put in are correct, you’d need a negative interest rate so it’s unlikely you can save.  However this is only a rough reckoner; if you want detailed numbers done, then seek help from a professional e.g. a mortgage broker.</p>";

  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:8pt;text-align:centre;font-weight:normal;\">With an arrangement fee of <span style=\"color:#00f;\">£"+optFees2[1]+"</span>, you’d need a new mortgage at <span style=\"color:#f00;text-decoration:underline;font-size:1.2em;\">"+mrcResultText[1]+"%</span> or lower to save</p>";
  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:8pt;text-align:centre;font-weight:normal;\">With an arrangement fee of <span style=\"color:#00f;\">£"+optFees2[2]+"</span>, you’d need a new mortgage at <span style=\"color:#f00;text-decoration:underline;font-size:1.2em;\">"+mrcResultText[2]+"%</span> or lower to save</p>";
  document.getElementById('mrcResults').innerHTML += "<p style=\"margin-left:5px;font-size:8pt;text-align:centre;font-weight:normal;\">With an arrangement fee of <span style=\"color:#00f;\">£"+optFees2[3]+"</span>, you’d need a new mortgage at <span style=\"color:#f00;text-decoration:underline;font-size:1.2em;\">"+mrcResultText[3]+"%</span> or lower to save</p>";  




}




	document.getElementById('mrcResults').style.display = "";
}
}