function JSRecalc()
		{
		form = document.mcalc
		LoanAmount= form.LoanAmount.value
		DownPayment= "0"
		AnnualInterestRate = form.InterestRate.value/100
		Years= form.NumberOfYears.value
		MonthRate=AnnualInterestRate/12
		NumPayments=Years*12
		Prin=LoanAmount-DownPayment
		MonthPayment=Math.floor((Prin*MonthRate)/(1-Math.pow((1+MonthRate),(-1*NumPayments)))*100)/100
		form.NumberOfPayments.value=NumPayments
		form.MonthlyPayment.value=MonthPayment
		}