/*
*  Copyright 1997-2005, HSH Associates, Financial Publishers. 
* All rights reserved.  Unauthorized copying of this document, 
* and/or copyright infringement, will be vigorously prosecuted. 
*/

m300 = 0;                     r300 = -20; // (add)
m301 = 20;                    r301 = 0;
m302 = 50;                    r302 = 20;
m303 = 100;                  r303 = 30; 
m600 = 0;                     r600 = 0;
m601 = 70;                    r601 = 20;
m602 = 110;                  r602 = 30; 
m603 = 120;                   r603 = 40;
m900 = 0;                     r900 = 0;
m901 = 120;                   r901 = 40;
m902 = 140;                   r902 = 50;
m903 = 300;                   r903 = 60;
m910 = 0;                     r910 = 0;
m911 = 140;                   r911 = 60;
m912 = 300;                   r912 = 80;
m913 = 300;                   r913 = 100;

realestate0 = 0;              bankruptcy0 = 0;
realestate1 = 250;           bankruptcy1 = 250;
realestate2 = 200;           bankruptcy2 = 150;
realestate3 = 150;           bankruptcy3 = 100;
realestate4 = 100;           bankruptcy4 = 50;
realestate5 = 50;           bankruptcy5 = 0;
realestate6 = 0;              bankruptcy6 = 0;
judgement0 = 0;             collection0 = 0;
judgement1 = 100;          collection1 =100;
judgement2 = 75;           collection2 = 75;
judgement3 = 40;           collection3 = 40;
judgement4 = 10;           collection4 = 10;
judgement5 = 0;            collection5 = 0;
judgement6 = 0;            collection6 = 0;
chargeoff0 = 0;               liens0 = 0;
chargeoff1 = 100;            liens1 = 200;
chargeoff2 = 75;              liens2 = 100;
chargeoff3 = 40;              liens3 = 50;
chargeoff4 = 10;              liens4 = 30;
chargeoff5 = 0;               liens5 = 20;
chargeoff6 = 0;               liens6 = 0;

mortgage_choice1 = 0;
mortgage_choice2 = 0;
mortgage_choice3 = 0;
mortgage_choice4 = 0;
revolve_choice1 = 0;
revolve_choice2 = 0;
revolve_choice3 = 0;
revolve_choice4 = 0;



function resetvalues() {
     mortgage_start = 670;
     revolve_start = 670;
     realestate_start = 670;
     bankruptcy_start = 670;
     judgement_start = 670;
     collection_start = 670;
     liens_start = 670;
     chargeoff_start = 670;     
                                }

function updatevalue() {
     var grade,grade_number,vermin;	// declare local variables - 03/26/01 LL!
     revolve_start = revolve_start - revolve_choice1;
     revolve_start = revolve_start - revolve_choice2;
     revolve_start = revolve_start - revolve_choice3;
     revolve_start = revolve_start - revolve_choice4;
     mortgage_start = mortgage_start - mortgage_choice1;
     mortgage_start = mortgage_start - mortgage_choice2;
     mortgage_start = mortgage_start - mortgage_choice3;
     mortgage_start = mortgage_start - mortgage_choice4;
if (revolve_start < mortgage_start) vermin = revolve_start; else vermin = mortgage_start;
if (vermin > realestate_start) vermin = realestate_start;
if (vermin > bankruptcy_start) vermin = bankruptcy_start;
if (vermin > judgement_start) vermin = judgement_start;
if (vermin > collection_start) vermin = collection_start;
if (vermin > liens_start) vermin = liens_start;
if (vermin > chargeoff_start) vermin = chargeoff_start;

// if (revolve_start <= mortgage_start) grade_number = revolve_start; else grade_number = mortgage_start;

grade_number = vermin;

if (grade_number == 670) grade = "A+"
if (grade_number == 660) grade = "A"
if (grade_number == 650) grade = "A"
if (grade_number == 640) grade = "A-"
if (grade_number == 630) grade = "B+"
if (grade_number == 620) grade = "B"
if (grade_number == 610) grade = "B-"
if (grade_number == 600) grade = "B-"
if (grade_number == 590) grade = "C+"
if (grade_number == 580) grade = "C"
if (grade_number == 570) grade = "C-"
if (grade_number == 560) grade = "D+"
if (grade_number == 550) grade = "D"
if (grade_number == 540) grade = "D-"
if (grade_number == 530) grade = "E"
if (grade_number <= 520) grade = "E"
document.grade.grade1.value = grade;
if (grade_number >= 620){
	showcaselink.innerHTML = '<span style="color:blue; font-size:smaller">Your credit is considered good! If you\'d like to shop for a lender, visit the <A Href="http://www.hsh.com/lshow.html?landing=creditcalc" style="color:blue" target="_blank">Lender Showcase</a> to find current mortgage rates.</A></span>';
	}else{
	var htmlstuff;

	htmlstuff = '<span style="color:red; font-size:10pt">Your credit <I>could</I> be better. If you\'d like to shop for a lender,';
	htmlstuff = htmlstuff + ' visit the <A Href="http://www.hsh.com/cc-showcase.html?landing=creditcalc" style="color:blue"  target="_blank">Less Than Perfect Credit Lender Showcase</a> for current mortgage rates!</A></span>';

	htmlstuff = htmlstuff + '<br><br><span style="font-size:10pt">Check out our <a href="creditshelf.html?landing=creditcalc"  target="_blank">Credit Shelf</a> for credit improvement tips, too.</span>';
	showcaselink.innerHTML = htmlstuff;
	}
}

function mchange(daynumber) {
     resetvalues()
if (daynumber == 1) {    
     if  (document.mortgage1.M1.options[document.mortgage1.M1.selectedIndex].value == 0) mortgage_choice1 =  m300;
     if  (document.mortgage1.M1.options[document.mortgage1.M1.selectedIndex].value == 1) mortgage_choice1 = m301;
     if  (document.mortgage1.M1.options[document.mortgage1.M1.selectedIndex].value == 2) mortgage_choice1 = m302;
     if  (document.mortgage1.M1.options[document.mortgage1.M1.selectedIndex].value == 3) mortgage_choice1 = m303;
                                   }
/*
*  Copyright 1997, HSH Associates Financial Publishers. 
* All rights reserved.  Unauthorized copying of this document, 
* and/or copyright infringement, will be vigorously prosecuted. 
*/

if (daynumber == 2) {    
     if  (document.mortgage2.M2.options[document.mortgage2.M2.selectedIndex].value == 0) mortgage_choice2 =  m600;
     if  (document.mortgage2.M2.options[document.mortgage2.M2.selectedIndex].value == 1) mortgage_choice2 = m601;
     if  (document.mortgage2.M2.options[document.mortgage2.M2.selectedIndex].value == 2) mortgage_choice2 = m602;
     if  (document.mortgage2.M2.options[document.mortgage2.M2.selectedIndex].value == 3) mortgage_choice2 = m603;
                                   }
if (daynumber == 3) {    
     if  (document.mortgage3.M3.options[document.mortgage3.M3.selectedIndex].value == 0) mortgage_choice3 =  m900;
     if  (document.mortgage3.M3.options[document.mortgage3.M3.selectedIndex].value == 1) mortgage_choice3 = m901;
     if  (document.mortgage3.M3.options[document.mortgage3.M3.selectedIndex].value == 2) mortgage_choice3 = m902;
     if  (document.mortgage3.M3.options[document.mortgage3.M3.selectedIndex].value == 3) mortgage_choice3 = m903;
                              }
if (daynumber == 4) {    
     if  (document.mortgage4.M4.options[document.mortgage4.M4.selectedIndex].value == 0) mortgage_choice4 =  m910;
     if  (document.mortgage4.M4.options[document.mortgage4.M4.selectedIndex].value == 1) mortgage_choice4 = m911;
     if  (document.mortgage4.M4.options[document.mortgage4.M4.selectedIndex].value == 2) mortgage_choice4 = m912;
     if  (document.mortgage4.M4.options[document.mortgage4.M4.selectedIndex].value == 3) mortgage_choice4 = m913;
                              }
updatevalue();
                             }                         

function rchange(daynumber) {
     resetvalues()
if (daynumber == 1) {    
     if  (document.revolve1.R1.options[document.revolve1.R1.selectedIndex].value == 0) revolve_choice1 =  r300;
     if  (document.revolve1.R1.options[document.revolve1.R1.selectedIndex].value == 1) revolve_choice1 =  r301;
     if  (document.revolve1.R1.options[document.revolve1.R1.selectedIndex].value == 2) revolve_choice1 =  r302;
     if  (document.revolve1.R1.options[document.revolve1.R1.selectedIndex].value == 3) revolve_choice1 =  r303;
                                   }
if (daynumber == 2) {    
     if  (document.revolve2.R2.options[document.revolve2.R2.selectedIndex].value == 0) revolve_choice2 =  r600;
     if  (document.revolve2.R2.options[document.revolve2.R2.selectedIndex].value == 1) revolve_choice2 =  r601;
     if  (document.revolve2.R2.options[document.revolve2.R2.selectedIndex].value == 2) revolve_choice2 =  r602;
     if  (document.revolve2.R2.options[document.revolve2.R2.selectedIndex].value == 3) revolve_choice2 =  r603;
                                   }
if (daynumber == 3) {    
     if  (document.revolve3.R3.options[document.revolve3.R3.selectedIndex].value == 0) revolve_choice3 =  r900;
     if  (document.revolve3.R3.options[document.revolve3.R3.selectedIndex].value == 1) revolve_choice3 =  r901;
     if  (document.revolve3.R3.options[document.revolve3.R3.selectedIndex].value == 2) revolve_choice3 =  r902;
     if  (document.revolve3.R3.options[document.revolve3.R3.selectedIndex].value == 3) revolve_choice3 =  r903;
                              }
if (daynumber == 4) {    
     if  (document.revolve4.R4.options[document.revolve4.R4.selectedIndex].value == 0) revolve_choice4 =  r910;
     if  (document.revolve4.R4.options[document.revolve4.R4.selectedIndex].value == 1) revolve_choice4 =  r911;
     if  (document.revolve4.R4.options[document.revolve4.R4.selectedIndex].value == 2) revolve_choice4 =  r912;
     if  (document.revolve4.R4.options[document.revolve4.R4.selectedIndex].value == 3) revolve_choice4 =  r913;
                              }
updatevalue();
                         }     

function realestatef() {
     resetvalues();
     if (document.realestate.realest.options[document.realestate.realest.selectedIndex].value == 0) realestate_start = realestate_start - realestate0;
     if (document.realestate.realest.options[document.realestate.realest.selectedIndex].value == 1) realestate_start = realestate_start - realestate1;
     if (document.realestate.realest.options[document.realestate.realest.selectedIndex].value == 2) realestate_start = realestate_start - realestate2;
     if (document.realestate.realest.options[document.realestate.realest.selectedIndex].value == 3) realestate_start = realestate_start - realestate3;
     if (document.realestate.realest.options[document.realestate.realest.selectedIndex].value == 4) realestate_start = realestate_start - realestate4;
     if (document.realestate.realest.options[document.realestate.realest.selectedIndex].value == 5) realestate_start = realestate_start - realestate5;
     if (document.realestate.realest.options[document.realestate.realest.selectedIndex].value == 6) realestate_start = realestate_start - realestate6;
     updatevalue();           }

function bankruptcyf() {
     resetvalues();
     if (document.bankruptcy.bkrupt.options[document.bankruptcy.bkrupt.selectedIndex].value == 0) bankruptcy_start = bankruptcy_start - bankruptcy0;
     if (document.bankruptcy.bkrupt.options[document.bankruptcy.bkrupt.selectedIndex].value == 1) bankruptcy_start = bankruptcy_start - bankruptcy1;
     if (document.bankruptcy.bkrupt.options[document.bankruptcy.bkrupt.selectedIndex].value == 2) bankruptcy_start = bankruptcy_start - bankruptcy2;
     if (document.bankruptcy.bkrupt.options[document.bankruptcy.bkrupt.selectedIndex].value == 3) bankruptcy_start = bankruptcy_start - bankruptcy3;
     if (document.bankruptcy.bkrupt.options[document.bankruptcy.bkrupt.selectedIndex].value == 4) bankruptcy_start = bankruptcy_start - bankruptcy4;
     if (document.bankruptcy.bkrupt.options[document.bankruptcy.bkrupt.selectedIndex].value == 5) bankruptcy_start = bankruptcy_start - bankruptcy5;
     if (document.bankruptcy.bkrupt.options[document.bankruptcy.bkrupt.selectedIndex].value == 6) bankruptcy_start = bankruptcy_start - bankruptcy6;
     updatevalue();           }

function judgementf() {
     resetvalues();
     if (document.judgement.judge.options[document.judgement.judge.selectedIndex].value == 0) judgement_start = judgement_start - judgement0;
     if (document.judgement.judge.options[document.judgement.judge.selectedIndex].value == 1) judgement_start = judgement_start - judgement1;
     if (document.judgement.judge.options[document.judgement.judge.selectedIndex].value == 2) judgement_start = judgement_start - judgement2;
     if (document.judgement.judge.options[document.judgement.judge.selectedIndex].value == 3) judgement_start = judgement_start - judgement3;
     if (document.judgement.judge.options[document.judgement.judge.selectedIndex].value == 4) judgement_start = judgement_start - judgement4;
     if (document.judgement.judge.options[document.judgement.judge.selectedIndex].value == 5) judgement_start = judgement_start - judgement5;
     if (document.judgement.judge.options[document.judgement.judge.selectedIndex].value == 6) judgement_start = judgement_start - judgement6;
     updatevalue();           }

function collectionf() {
     resetvalues();
     if (document.collection.collect.options[document.collection.collect.selectedIndex].value == 0) collection_start = collection_start - collection0;
     if (document.collection.collect.options[document.collection.collect.selectedIndex].value == 1) collection_start = collection_start - collection1;
     if (document.collection.collect.options[document.collection.collect.selectedIndex].value == 2) collection_start = collection_start - collection2;
     if (document.collection.collect.options[document.collection.collect.selectedIndex].value == 3) collection_start = collection_start - collection3;
     if (document.collection.collect.options[document.collection.collect.selectedIndex].value == 4) collection_start = collection_start - collection4;
     if (document.collection.collect.options[document.collection.collect.selectedIndex].value == 5) collection_start = collection_start - collection5;
     if (document.collection.collect.options[document.collection.collect.selectedIndex].value == 6) collection_start = collection_start - collection6;
     updatevalue();           }

function chargeofff() {
     resetvalues();
     if (document.chargeoff.charge.options[document.chargeoff.charge.selectedIndex].value == 0) chargeoff_start = chargeoff_start - chargeoff0;
     if (document.chargeoff.charge.options[document.chargeoff.charge.selectedIndex].value == 1) chargeoff_start = chargeoff_start - chargeoff1;
     if (document.chargeoff.charge.options[document.chargeoff.charge.selectedIndex].value == 2) chargeoff_start = chargeoff_start - chargeoff2;
     if (document.chargeoff.charge.options[document.chargeoff.charge.selectedIndex].value == 3) chargeoff_start = chargeoff_start - chargeoff3;
     if (document.chargeoff.charge.options[document.chargeoff.charge.selectedIndex].value == 4) chargeoff_start = chargeoff_start - chargeoff4;
     if (document.chargeoff.charge.options[document.chargeoff.charge.selectedIndex].value == 5) chargeoff_start = chargeoff_start - chargeoff5;
     if (document.chargeoff.charge.options[document.chargeoff.charge.selectedIndex].value == 6) chargeoff_start = chargeoff_start - chargeoff6;
     updatevalue();           }

function liensf() {
     resetvalues();
     if (document.taxliens.liens.options[document.taxliens.liens.selectedIndex].value == 0) liens_start = liens_start - liens0;
     if (document.taxliens.liens.options[document.taxliens.liens.selectedIndex].value == 1) liens_start = liens_start - liens1;
     if (document.taxliens.liens.options[document.taxliens.liens.selectedIndex].value == 2) liens_start = liens_start - liens2;
     if (document.taxliens.liens.options[document.taxliens.liens.selectedIndex].value == 3) liens_start = liens_start - liens3;
     if (document.taxliens.liens.options[document.taxliens.liens.selectedIndex].value == 4) liens_start = liens_start - liens4;
     if (document.taxliens.liens.options[document.taxliens.liens.selectedIndex].value == 5) liens_start = liens_start - liens5;
     if (document.taxliens.liens.options[document.taxliens.liens.selectedIndex].value == 6) liens_start = liens_start - liens6;
     updatevalue();           }

var myDate = new Date();

document.writeln('<DIV ALIGN="center" style="font-family:arial; font-size:12px">');
document.writeln('<TABLE BORDER="0" CELLPADDING="0" WIDTH="90%">');
document.writeln('<TR>');
document.writeln('<TD ALIGN="center" BGCOLOR="#ffffff" COLSPAN="3" VALIGN="middle"><span style="font-size: 18px; color: navy; font-weight: bold; font-family:arial">Credit Grade');
document.writeln('Calculator</span></TD></TR>');
document.writeln('<TR>');
document.writeln('<TD COLSPAN="3">&nbsp;</TD></TR>');
document.writeln('<TR>');
document.writeln('<TD><H4 align="left">Mortgage / Home Equity Loan <span style="font-size:10px"><br>(Number of late payments');
document.writeln('in past 12 months)</span></H4>');
document.writeln('');
document.writeln('<TABLE BORDER="0" CELLPADDING="5" BGCOLOR="#F8F8F8" style="border:1px solid #D6D6D6">');
document.writeln('<TR><TD ALIGN="center">');
document.writeln('');
document.writeln('<FORM METHOD="post" NAME="mortgage1" style="margin:0px">');
document.writeln('30 Days Late<BR>');
document.writeln('<SELECT NAME="M1" SIZE="0" onChange="mchange(1)">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">1</OPTION>');
document.writeln('<OPTION VALUE="2">2 - 3</OPTION>');
document.writeln('<OPTION VALUE="3">4 +</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('');
document.writeln('</TD><TD ALIGN="center">');
document.writeln('');
document.writeln('<FORM METHOD="post" NAME="mortgage2" style="margin:0px">');
document.writeln('60 Days Late<BR>');
document.writeln('<SELECT NAME="M2" SIZE="0" onChange="mchange(2)">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">1</OPTION>');
document.writeln('<OPTION VALUE="2">2 - 3</OPTION>');
document.writeln('<OPTION VALUE="3">4 +</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('');
document.writeln('</TD><TD ALIGN="center">');
document.writeln('');
document.writeln('<FORM METHOD="post" NAME="mortgage3" style="margin:0px">');
document.writeln('90 Days Late<BR>');
document.writeln('<SELECT NAME="M3" SIZE="0" onChange="mchange(3)">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">1</OPTION>');
document.writeln('<OPTION VALUE="2">2 - 3</OPTION>');
document.writeln('<OPTION VALUE="3">4 +</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('');
document.writeln('</TD><TD ALIGN="center">');
document.writeln('');
document.writeln('<FORM METHOD="post" NAME="mortgage4" style="margin:0px"> ');
document.writeln('90 + Days Late<BR>');
document.writeln('<SELECT NAME="M4" SIZE="0" onChange="mchange(4)">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">1</OPTION>');
document.writeln('<OPTION VALUE="2">2 - 3</OPTION>');
document.writeln('<OPTION VALUE="3">4 +</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('');
document.writeln('</TD></TR></TABLE>');
document.writeln('');
document.writeln('<H4 align="left">Installment Loans / Revolving Credit <span style="font-size:10px"><br>(Number of late payments');
document.writeln('in past 12 months)</span></H4>');

document.writeln('<TABLE BORDER="0" CELLPADDING="5" BGCOLOR="#F8F8F8" style="border:1px solid #D6D6D6">');
document.writeln('<TR><TD ALIGN="center">');
document.writeln('');
document.writeln('<FORM METHOD="post" NAME="revolve1" style="margin:0px">');
document.writeln('30 Days Late<BR>');
document.writeln('<SELECT NAME="R1" SIZE="0" onChange="rchange(1)">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">1 - 2</OPTION>');
document.writeln('<OPTION VALUE="2">3 - 5</OPTION>');
document.writeln('<OPTION VALUE="3">6 +</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('');
document.writeln('</TD><TD ALIGN="center">');
document.writeln('');
document.writeln('<FORM METHOD="post" NAME="revolve2" style="margin:0px">');
document.writeln('60 Days Late<BR>');
document.writeln('<SELECT NAME="R2" SIZE="0"onChange="rchange(2)">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">1 - 2</OPTION>');
document.writeln('<OPTION VALUE="2">3 - 5</OPTION>');
document.writeln('<OPTION VALUE="3">6 +</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('');
document.writeln('</TD><TD ALIGN="center">');
document.writeln('');
document.writeln('<FORM METHOD="post" NAME="revolve3" style="margin:0px">');
document.writeln('90 Days Late<BR>');
document.writeln('<SELECT NAME="R3" SIZE="0"onChange="rchange(3)">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">1 - 2</OPTION>');
document.writeln('<OPTION VALUE="2">3 - 5</OPTION>');
document.writeln('<OPTION VALUE="3">6 +</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('');
document.writeln('</TD><TD ALIGN="center">');
document.writeln('');
document.writeln('<FORM METHOD="post" NAME="revolve4" style="margin:0px">');
document.writeln('90 + Days Late<BR>');
document.writeln('<SELECT NAME="R4" SIZE="0" onChange="rchange(4)">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">1 - 2</OPTION>');
document.writeln('<OPTION VALUE="2">3 - 5</OPTION>');
document.writeln('<OPTION VALUE="3">6 +</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('</TH></TR>');
document.writeln('</TABLE> </TD>');
document.writeln('<TD WIDTH="40">&nbsp;&nbsp;&nbsp;</TD>');
document.writeln('<TD ALIGN="LEFT">');
document.writeln('<FORM METHOD="post" NAME="grade" class="yellowAlert">');
document.writeln('<H3><I><SPAN STYLE="color: #333333; font-size: 17px" >Your Credit Grade*:</SPAN></I>');
document.writeln('<INPUT TYPE="TEXT" NAME="grade1" SIZE="2" MAXLENGTH="2"></H3>');
document.writeln('</FORM>');
document.writeln('<br><a href="http://www.hsh.com/bcd-specs.html">Click Here for Typical Specifications for B-C-D Credit</a>');
document.writeln('');
document.writeln('<div id="showcaselink" style="text-align: justify; font-size: small; margin-right: 1em"></div>');
document.writeln('<BR>');
document.writeln('<DIV STYLE="text-align: justify; font-size: 10px; margin-right: 1em">* This');
document.writeln('is an <U>approximate</U> rating.  Different lenders may grade you');
document.writeln('somewhat higher or lower, depending on their internal underwriting');
document.writeln('requirements.  Also, the elements which influence your credit');
document.writeln('rating are often subject to interpretation.  There may be');
document.writeln('mitigating factors, such as a layoff for example, which are not');
document.writeln('likely to reoccur.</DIV><br>');
document.writeln('<div id="copyright" style="text-align: justify; font-size: 10px; margin-right: 1em">Copyright &copy; ' + myDate.getFullYear() + ', HSH&reg; Associates. All rights reserved.</div>');
document.writeln('</TD></TR></TABLE>');
document.writeln('');
document.writeln('<br><TABLE BORDER="0" WIDTH="90%" BGCOLOR="#F8F8F8" style="border:1px solid #D6D6D6">');
document.writeln('<TR>');
document.writeln('<TD ALIGN="center"><b>Real Estate Foreclosure</b></TD>');
document.writeln('<TD ALIGN="CENTER" BGCOLOR="#E1E1E1" style="border:1px solid #C3C3C3; padding-top:.5em; padding-bottom:.5em"> ');
document.writeln('<FORM METHOD="post" NAME="realestate" style="margin:0px">');
document.writeln('<SELECT NAME="realest" SIZE="0" onChange="realestatef()">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">Current</OPTION>');
document.writeln('<OPTION VALUE="2">1 Year</OPTION>');
document.writeln('<OPTION VALUE="3">2 Years</OPTION>');
document.writeln('<OPTION VALUE="4">3 Years</OPTION>');
document.writeln('<OPTION VALUE="5">5 Years</OPTION>');
document.writeln('<OPTION VALUE="6">7 Years</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('');
document.writeln('</TD><TD ALIGN="center">');
document.writeln('<b>Personal Bankruptcy</b>');
document.writeln('</TD><TD BGCOLOR="#E1E1E1" ALIGN="center" style="border:1px solid #C3C3C3; padding-top:.5em; padding-bottom:.5em">');
document.writeln('');
document.writeln('<FORM METHOD="post" NAME="bankruptcy" style="margin:0px">');
document.writeln('<SELECT NAME="bkrupt" SIZE="0" onChange="bankruptcyf()">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">Current</OPTION>');
document.writeln('<OPTION VALUE="2">1 Year</OPTION>');
document.writeln('<OPTION VALUE="3">2 Years</OPTION>');
document.writeln('<OPTION VALUE="4">3 Years</OPTION>');
document.writeln('<OPTION VALUE="5">5 Years</OPTION>');
document.writeln('<OPTION VALUE="6">7 Years</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('');
document.writeln('</TD></TR>');
document.writeln('<TR>');
document.writeln('<TD ALIGN="center"><b>Creditor Judgements Against You</b></TD>');
document.writeln('<TD ALIGN="CENTER" BGCOLOR="#E1E1E1" style="border:1px solid #C3C3C3; padding-top:.5em; padding-bottom:.5em">');
document.writeln('<FORM METHOD="post" NAME="judgement" style="margin:0px">');
document.writeln('<SELECT NAME="judge" SIZE="0" onChange="judgementf()">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">Current</OPTION>');
document.writeln('<OPTION VALUE="2">1 Year</OPTION>');
document.writeln('<OPTION VALUE="3">2 Years</OPTION>');
document.writeln('<OPTION VALUE="4">3 Years</OPTION>');
document.writeln('<OPTION VALUE="5">5 Years</OPTION>');
document.writeln('<OPTION VALUE="6">7 Years</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('</TD>');
document.writeln('<TD ALIGN="center"><b>Collections or Wage Garnishments</b></TD>');
document.writeln('<TD ALIGN="CENTER" BGCOLOR="#E1E1E1" style="border:1px solid #C3C3C3; padding-top:.5em; padding-bottom:.5em">');
document.writeln('<FORM METHOD="post" NAME="collection" style="margin:0px">');
document.writeln('<SELECT NAME="collect" SIZE="0" onChange="collectionf()">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">Current</OPTION>');
document.writeln('<OPTION VALUE="2">1 Year</OPTION>');
document.writeln('<OPTION VALUE="3">2 Years</OPTION>');
document.writeln('<OPTION VALUE="4">3 Years</OPTION>');
document.writeln('<OPTION VALUE="5">5 Years</OPTION>');
document.writeln('<OPTION VALUE="6">7 Years</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('</TD></TR>');
document.writeln('<TR>');
document.writeln('<TD ALIGN="center"><b>Creditor Chargeoffs</b></TD>');
document.writeln('<TD ALIGN="CENTER" BGCOLOR="#E1E1E1" style="border:1px solid #C3C3C3; padding-top:.5em; padding-bottom:.5em">');
document.writeln('<FORM METHOD="post" NAME="chargeoff" style="margin:0px">');
document.writeln('<SELECT NAME="charge" SIZE="0" onChange="chargeofff()">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">Current</OPTION>');
document.writeln('<OPTION VALUE="2">1 Year</OPTION>');
document.writeln('<OPTION VALUE="3">2 Years</OPTION>');
document.writeln('<OPTION VALUE="4">3 Years</OPTION>');
document.writeln('<OPTION VALUE="5">5 Years</OPTION>');
document.writeln('<OPTION VALUE="6">7 Years</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM>');
document.writeln('</TD>');
document.writeln('<TD ALIGN="center"><b>Tax Liens</b></TD>');
document.writeln('<TD ALIGN="CENTER" BGCOLOR="#E1E1E1" style="border:1px solid #C3C3C3; padding-top:.5em; padding-bottom:.5em">');
document.writeln('<FORM METHOD="post" NAME="taxliens" style="margin:0px">');
document.writeln('<SELECT NAME="liens" SIZE="0" onChange="liensf()">');
document.writeln('<OPTION VALUE="0">None</OPTION>');
document.writeln('<OPTION VALUE="1">Current</OPTION>');
document.writeln('<OPTION VALUE="2">1 Year</OPTION>');
document.writeln('<OPTION VALUE="3">2 Years</OPTION>');
document.writeln('<OPTION VALUE="4">3 Years</OPTION>');
document.writeln('<OPTION VALUE="5">5 Years</OPTION>');
document.writeln('<OPTION VALUE="6">7 Years</OPTION>');
document.writeln('</SELECT>');
document.writeln('</FORM></TD></TR>');
document.writeln('</TABLE><BR>');
document.writeln('</DIV>');
resetvalues();
updatevalue();

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