function convertUnicodeToCharRef(strContent) {		
		var strConverted = "";
		var lenContent = strContent.length;
		for (var i = 0; i < lenContent; i++) {
			var chrCode = strContent.charCodeAt(i);
			if (chrCode < 150) { strConverted += strContent.charAt(i); }
			else { strConverted += "&#" + chrCode + ";"; }
		}
		return strConverted;
	}

function newWindow(url, width, height){
			var x=(window.screen.availWidth-width)/2
			var y= (window.screen.availHeight-height)/2
			var win2 = window.open(url,"popup", "left="+ x +", top="+ y +", width=" + width + ",height=" + height + 'toolbar=no,location=0,directories=no,status=no,menubar=no,scrollbars=yes,resizable=yes');
			win2.focus();
		}
		
		// email validation
	function echeck(str) {

		var msg="Please enter a valid email address."
		var at="@"
		var dot="."
		var lat=str.indexOf(at)
		var lstr=str.length
		var ldot=str.indexOf(dot)
		
		if (str.indexOf(at) == -1){
		   alert(msg);
		   return false;
		}

		else if (str.indexOf(at) == -1 || str.indexOf(at) == 0 || str.indexOf(at) == lstr){
		   alert(msg);
		   return false;
		}

		else if (str.indexOf(dot) == -1 || str.indexOf(dot) == 0 || str.indexOf(dot) == lstr){
		    alert(msg);
		    return false;
		}

		else if (str.indexOf(at,(lat+1)) != -1){
		    alert(msg);
		    return false;
		}

		else if (str.substring(lat-1,lat) == dot || str.substring(lat+1,lat+2) == dot){
		    alert(msg);
		    return false;
		}

		else if (str.indexOf(dot,(lat+2)) == -1){
		    alert(msg);
		    return false;
		}
		
		else if (str.indexOf(" ") != -1){
		    alert(msg);
		    return false;
		}
		
		else {
			return true;
		}
	}

function round(number,X) {
// rounds number to X decimal places, defaults to 2
    X = (!X ? 2 : X);
    return Math.round(number*Math.pow(10,X))/Math.pow(10,X);
}

function showprincipal(amount) 
 
 {
	var princ = document.calc.salary.value;
	var times = document.calc.times.value;
	document.calc.prinround.value =round(princ*times, 2) ;
	var prinmax = document.calc.prinround.value;
    	if  (parseInt(prinmax) > parseInt(amount)){
		eval(alert("Maximum coverage is $" + amount + ". Please choose reset and select a lower coverage level."));
	}

 }

function showcostLife()
{
	var _coverageLevel = document.calclife.times.value;
	var _coverageCost = document.calclife.coverage.value;
	
	if (_coverageLevel == "" || _coverageCost == "")
	{
		return false;
	}

	var _return;
	_return = (_coverageLevel / 10000);
	_return = _return * _coverageCost;
	document.calclife.pay.value = round(_return);
}

function showcost() 
 
 {	
	var _percent = document.calclife.times.value;
	var _salary = document.calclife.coverage.value;

	if (_salary != "");
	{
		document.calclife.pay.value = round((_percent * _salary) / 10000);
	}
	return;
	/*
	var user = document.calc.final.value;
	var term  = document.calc.coverage.value/1000;
	if (parseInt(user) > parseInt(amount)) {
		alert("Maximum coverage is $" + amount + ". Please select a lower coverage level.");
		document.calc.pay.value = "";
		return false;
	}
	document.calc.pay.value =round(user * term, 2) ;
	*/
 }

function showcostDis() 
 
 {
 	var princ = document.calc.salary.value;
 	var term  = document.calc.percent.value;

	//document.calc.pay.value = round(princ*term, 4);
 	document.calc.mo_cost.value = round(princ*term/24, 2); 
 }