function gtotal1(form) 
	{	
	 if (isNaN(form.refinance.value)) 
	 {
	  alert("No commas or decimals please.  Example: 450000");
	  return false;
	 } 
	 else 
	 {
	  r = eval(document.FormName.refinance.value);
	  if (r < 1) 
	  {	
	   alert("Amount cannot be blank!");
	   return false;
	  }
		else if (r <= 4999)
		{
		alert("Calulation is incorrect! Refinanced Loan Amount must be greater than $4,999!");
		}
		else if (r <= 5000) 
		{
			(r=360)
		}
		else if (r <= 10000) 
		{
			(r=360)
		}
		else if (r <= 15000) 
		{
			(r=360)
		}
		else if (r <= 20000) 
		{
			(r=375)
		}
		else if (r <= 25000) 
		{
			(r=395)
		}
		else if (r <= 30000) 
		{
			(r=405)
		}
		else if (r <= 35000) 
		{
			(r=435)
		}
		else if (r <= 40000) 
		{
			(r=455)
		}
		else if (r <= 45000) 
		{
			(r=475)
		}
		else if (r <= 50000) 
		{
			(r=495)
		}
		else if (r <= 55000) 
		{
			(r=515)
		}
		else if (r <= 60000) 
		{
			(r=535)
		}
		else if (r <= 65000) 
		{
			(r=555)
		}
		else if (r <= 70000) 
		{
			(r=575)
		}
		else if (r <= 75000) 
		{
			(r=595)
		}
		else if (r <= 80000) 
		{
			(r=615)
		}
		else if (r <= 85000) 
		{
			(r=635)
		}
		else if (r <= 90000) 
		{
			(r=650)
		}
		else if (r <= 95000) 
		{
			(r=665)
		}
		else if (r <= 100000) 
		{
			(r=680)
		}
		else if (r <=105000) 
		{
			(r=690)
		}
		else if (r <=110000) 
		{
			(r=700)
		}
		else if (r <=115000) 
		{
			(r = 710)
		}
		else if (r <=120000) 
		{
			(r=720)
		}
		else if (r <=125000) 
		{
			(r=730)
		}
		else if (r <=130000) 
		{
			(r=740)
		}
		else if (r <=135000) 
		{
			(r=750)
		}
		else if (r <=140000) 
		{
			(r=760)
		}
		else if (r <=145000) 
		{
			(r=770)
		}
		else if (r <=150000) 
		{
			(r=780)
		}
		else if (r <=155000) 
		{
			(r=790)
		}
		else if (r <=160000) 
		{
			(r=800)
		}
		else if (r <=165000) 
		{
			(r=810)
		}
		else if (r <=170000) 
		{
			(r=820)
		}
		else if (r <=175000) 
		{
			(r=830)
		}
		else if (r <=180000) 
		{
			(r=840)
		}
		else if (r <=185000) 
		{
			(r=850)
		}
		else if (r <=190000) 
		{
			(r=860)
		}
		else if (r <=195000) 
		{
			(r=870)
		}
		else if (r <=200000) 
		{
			(r=880)
		}
		else if (r <=205000) 
		{
			(r=890)
		}
		else if (r <=210000) 
		{
			(r=900)
		}
		else if (r <=215000) 
		{
			(r=910)
		}
		else if (r <=220000) 
		{
			(r=920)
		}
		else if (r <=225000) 
		{
			(r=930)
		}
		else if (r <=230000) 
		{
			(r=940)
		}
		else if (r <=235000) 
		{
			(r=950)
		}
		else if (r <=240000) 
		{
			(r=960)
		}
		else if (r <=245000) 
		{
			(r=970)
		}
		else if (r <=250000) 
		{
			(r=980)
		}
		else if (r <=255000) 
		{
			(r=990)
		}
		else if (r <=260000) 
		{
			(r=1000)
		}
		else if (r <=265000) 
		{
			(r=1010)
		}
		else if (r <=270000) 
		{
			(r=1020)
		}
		else if (r <=275000) 
		{
			(r=1030)
		}
		else if (r <=280000) 
		{
			(r=1040)
		}
		else if (r <=285000) 
		{
			(r=1050)
		}
		else if (r <=290000) 
		{
			(r=1060)
		}
		else if (r <=295000) 
		{
			(r=1070)
		}
		else if (r <=300000) 
		{
			(r=1080)
		}
		else if (r <=305000) 
		{
			(r=1090)
		}
		else if (r <=310000) 
		{
			(r=1100)
		}
		else if (r <=315000) 
		{
			(r=1110)
		}
		else if (r <=320000) 
		{
			(r=1120)
		}
		else if (r <=325000) 
		{
			(r=1130)
		}
		else if (r <=330000) 
		{
			(r=1140)
		}
		else if (r <=335000) 
		{
			(r=1150)
		}
		else if (r <=340000) 
		{
			(r=1060)
		}
		else if (r <=345000) 
		{
			(r=1170)
		}
		else if (r <=350000) 
		{
			(r=1180)
		}
		else if (r <=355000) 
		{
			(r=1190)
		}
		else if (r <=360000) 
		{
			(r=1200)
		}
		else if (r <=365000) 
		{
			(r=1210)
		}
		else if (r <=370000) 
		{
			(r=1220)
		}
		else if (r <=375000) 
		{
			(r=1230)
		}
		else if (r <=380000) 
		{
			(r=1240)
		}
		else if (r <=385000) 
		{
			(r=1250)
		}
		else if (r <=390000) 
		{
			(r=1260)
		}
		else if (r <=395000) 
		{
			(r=1270)
		}
		else if (r <=400000) 
		{
			(r=1280)
		}
		else if (r <=405000) 
		{
			(r=1290)
		}
		else if (r <=410000) 
		{
			(r=1300)
		}
		else if (r <=415000) 
		{
			(r=1310)
		}
		else if (r <=420000) 
		{
			(r=1320)
		}
		else if (r <=425000) 
		{
			(r=1330)
		}
		else if (r <=430000) 
		{
			(r=1340)
		}
		else if (r <=435000) 
		{
			(r=1350)
		}
		else if (r <=440000) 
		{
			(r=1360)
		}
		else if (r <=445000) 
		{
			(r=1370)
		}
		else if (r <=450000) 
		{
			(r=1380)
		}
		else if (r <=455000) 
		{
			(r=1390)
		}
		else if (r <=460000) 
		{
			(r=1400)
		}
		else if (r <=465000) 
		{
			(r=1410)
		}
		else if (r <=470000) 
		{
			(r=1420)
		}
		else if (r <=475000) 
		{
			(r=1430)
		}
		else if (r <=480000) 
		{
			(r=1440)
		}
		else if (r <=485000) 
		{
			(r=1450)
		}
		else if (r <=490000) 
		{
			(r=1460)
		}
		else if (r <=495000) 
		{
			(r=1470)
		}
		else if (r <=500000) 
		{
			(r=1480)
		}
		else if (r > 500000 && p <= 1000000)
			{
			(r = (r-500000)/1000*1.75 + 1480)
			}
		else if (r >1000000 && p <= 3000000)
			{
			(r = (r-1000000)/1000*1.65 +2355)
			}
		else if (r >3000000 && p <= 5000000)
			{
			(r = (r-3000000)/1000*1.55+5655)
			}
		else if (r >5000000 && p <=8000000)
			{
			(r = (r-5000000)/1000*1.45+8755)
			}
		else if (r >8000000 && p <=10000000)
			{
			(r = (r-8000000)/1000*1.35+19105)
			}
		else if (r >10000000 && p <= 50000000)
			{
			(r = (r-10000000)/1000*1.20+25855)
			}
		else if (r >50000000)
			{
			(r = (r-50000000)/1000*1.00+76255)
			}
		if 
		(document.FormName.chkboxRefi.checked == 1 && document.FormName.refinance.value > 1)
		{ 
		document.getElementById("Message").style.visibility = "visible";
		document.getElementById("Discounts").style.visibility = "hidden";
		document.FormName.reissueR.value = Math.round(r/2).toFixed(2);
		document.FormName.percent10R.value = Math.round(r*.10).toFixed(2);
		document.FormName.percent20R.value = Math.round(r*.20).toFixed(2);
		document.FormName.Zero2One.value = Math.round(r*.55).toFixed(2);
		document.FormName.One2Three.value = Math.round(r*.65).toFixed(2);
		document.FormName.Three2Four.value = Math.round(r*.70).toFixed(2);
		document.FormName.Four2Five.value = Math.round(r*.85).toFixed(2);
		document.FormName.Five2Six.value = Math.round(r*.90).toFixed(2);
		}
		else
		{
		alert("ERROR:Refinanced Loan value blank.\nPlease correct to continue.");
		document.getElementById("Message").style.visibility = "hidden";
		document.getElementById("Refi").style.display = "none";
		document.getElementById("Discounts").style.visibility = "hidden";
		}
		}
	}