function validateFormApplyNow(form){

  var firstname=document.frmSample.firstname	
  if ((firstname.value==null)||(firstname.value=="")){
    alert("Please Enter your First Name")
    firstname.focus()
    return false
  }
  var lastname=document.frmSample.lastname	
  if ((lastname.value==null)||(lastname.value=="")){
    alert("Please Enter your Last Name")
    lastname.focus()
    return false
  }
  var address=document.frmSample.address	
  if ((address.value==null)||(address.value=="")){
    alert("Please Enter your Address")
    address.focus()
    return false
  }
  
  // --- weddingdate ------------------------------------
  var birthdate3=document.frmSample.birthdate3	
  var birthdate2=document.frmSample.birthdate2	
  var birthdate1=document.frmSample.birthdate1	
  var birthdate = birthdate3.value + "/" + birthdate2.value + "/" + birthdate1.value;
  if (checkdate(birthdate)==false){
    alert("Please Enter a Valid Birth Date")
    birthdate3.focus()
    return false
  }  
  
  var city=document.frmSample.city	
  if ((city.value==null)||(city.value=="")){
    alert("Please Enter your City")
    city.focus()
    return false
  }
  /*var province=document.frmSample.province	
  if ((province.value==null)||(province.value=="")){
    alert("Please Enter your Province")
    province.focus()
    return false
  }
  var country=document.frmSample.country	
  if ((country.value==null)||(country.value=="")){
    alert("Please Enter your Country")
    country.focus()
    return false
  }*/
  var postalcode=document.frmSample.postalcode	
  if ((postalcode.value==null)||(postalcode.value=="")){
    alert("Please Enter your Postal Code")
    postalcode.focus()
    return false
  }
  var phone1=document.frmSample.phone1	
  var phone2=document.frmSample.phone2	
  if ((phone1.value==null)||(phone1.value=="")||(phone2.value==null)||(phone2.value=="")){
    alert("Please Enter your Phone number")
    phone1.focus()
    return false
  }
  
  var srtphone = phone1.value + "-" + phone2.value;
  if (checkInternationalPhone(srtphone)==false){
    alert("Please Enter a Valid Phone Number")
    phone1.value=""
    phone1.focus()
    return false
  }
  
  var sin1=document.frmSample.sin1	
  var sin2=document.frmSample.sin2	
  var sin3=document.frmSample.sin3	
  if ((sin1.value==null)||(sin1.value=="")||(sin2.value==null)||(sin2.value=="")||(sin3.value==null)||(sin3.value=="")){
    alert("Please Enter your SIN number")
    sin1.focus()
    return false
  }
    
  var e_referencename=document.frmSample.e_referencename	
  if ((e_referencename.value==null)||(e_referencename.value=="")){
    alert("Please Enter your Reference Name 1 Information ")
    e_referencename.focus()
    return false
  }
  var e_reference1=document.frmSample.e_reference1	
  var e_reference2=document.frmSample.e_reference2	
  if ((e_reference1.value==null)||(e_reference1.value=="")||(e_reference2.value==null)||(e_reference2.value=="")){
    alert("Please Enter your Reference phone number 1 Information")
    e_reference1.focus()
    return false
  }
  var srte_reference1 = e_reference1.value + "-" + e_reference2.value;
  if (checkInternationalPhone(srte_reference1)==false){
    alert("Please Enter a Valid Reference phone number 1 Information")
    e_reference1.value=""
    e_reference1.focus()
    return false
  }
  var e_referencerelation=document.frmSample.e_referencerelation	
  if ((e_referencerelation.value==null)||(e_referencerelation.value=="")){
    alert("Please Enter your Reference relationship 1 Information ")
    e_referencerelation.focus()
    return false
  }

  var e_referencename2=document.frmSample.e_referencename2	
  if ((e_referencename2.value==null)||(e_referencename2.value=="")){
    alert("Please Enter your Reference Name 2 Information ")
    e_referencename2.focus()
    return false
  }
  var e_reference3=document.frmSample.e_reference3
  var e_reference4=document.frmSample.e_reference4	
  if ((e_reference3.value==null)||(e_reference3.value=="")||(e_reference4.value==null)||(e_reference4.value=="")){
    alert("Please Enter your Reference phone number 2 Information")
    e_reference3.focus()
    return false
  }
  var srte_reference2 = e_reference3.value + "-" + e_reference4.value;
  if (checkInternationalPhone(srte_reference2)==false){
    alert("Please Enter a Valid Reference phone number 2 Information")
    e_reference3.value=""
    e_reference3.focus()
    return false
  }
  var e_referencerelation2=document.frmSample.e_referencerelation2	
  if ((e_referencerelation2.value==null)||(e_referencerelation2.value=="")){
    alert("Please Enter your Reference relationship 2 Information ")
    e_referencerelation2.focus()
    return false
  }

  var e_employment=document.frmSample.e_employment	
  if ((e_employment.value==null)||(e_employment.value=="")){
    alert("Please Enter your Current Employer")
    e_employment.focus()
    return false
  }

  var e_phone1=document.frmSample.e_phone1	
  var e_phone2=document.frmSample.e_phone2
  if ((e_phone1.value==null)||(e_phone1.value=="")||(e_phone2.value==null)||(e_phone2.value=="")){
    alert("Please Enter your Employer Phone number")
    e_phone1.focus()
    return false
  }
  var srtephone = e_phone1.value + "-" + e_phone2.value;
  if (checkInternationalPhone(srtephone)==false){
    alert("Please Enter a Valid Employer Phone number")
    e_phone1.value=""
    e_phone1.focus()
    return false
  }
  
  var email=document.frmSample.email	
  if ((email.value==null)||(email.value=="")){
    alert("Please Enter your Email Address")
    email.focus()
    return false
  }   	
  if (echeck(email.value)==false){
    email.value=""
    email.focus()
    return false
  }	
  	
  var strSIN = sin1.value + "-" + sin2.value + "-" + sin3.value;  	
  if(isValidSIN(strSIN)){
  } else {
    sin1.focus();
    return false;
  }

  var initials=document.frmSample.initials	
  if ((initials.value==null)||(initials.value=="")){
    if (confirm("In order to enable us to process your application you have to give us your permission to check your credit history. Do you want to put your initials? ")) { 
      initials.focus();
      return false;
    } 
  }

  return true;
}

function validateFormReturningClient(form){

  var firstname=document.frmSample.firstname	
  if ((firstname.value==null)||(firstname.value=="")){
    alert("Please Enter your First Name")
    firstname.focus()
    return false
  }
  var lastname=document.frmSample.lastname	
  if ((lastname.value==null)||(lastname.value=="")){
    alert("Please Enter your Last Name")
    lastname.focus()
    return false
  }
  var phone1=document.frmSample.phone1	
  var phone2=document.frmSample.phone2	
  if ((phone1.value==null)||(phone1.value=="")||(phone2.value==null)||(phone2.value=="")){
    alert("Please Enter your Phone number")
    phone1.focus()
    return false
  }
  
  var srtphone = phone1.value + "-" + phone2.value;
  if (checkInternationalPhone(srtphone)==false){
    alert("Please Enter a Valid Phone Number")
    phone1.value=""
    phone1.focus()
    return false
  }
  
  var email=document.frmSample.email	
  if ((email.value==null)||(email.value=="")){
    alert("Please Enter your Email Address")
    email.focus()
    return false
  }   	
  if (echeck(email.value)==false){
    email.value=""
    email.focus()
    return false
  }	

  var b_amount=document.frmSample.b_amount	
  if ((b_amount.value==null)||(b_amount.value=="")){
    alert("Please Enter Amount Of Loan Requested")
    b_amount.focus()
    return false
  }   	
  
  var sin1=document.frmSample.sin1	
  var sin2=document.frmSample.sin2	
  var sin3=document.frmSample.sin3	
  if ((sin1.value==null)||(sin1.value=="")||(sin2.value==null)||(sin2.value=="")||(sin3.value==null)||(sin3.value=="")){
    alert("Please Enter your SIN number")
    sin1.focus()
    return false
  }  
  var strSIN = sin1.value + "-" + sin2.value + "-" + sin3.value;  	
  if(isValidSIN(strSIN)){
  } else {
    sin1.focus();
    return false;
  }  
  	
  return true;
}

function validateFormContactUs() {
  var Name=document.frmSample.Name
  if ((Name.value==null)||(Name.value=="")){
    alert("Please Enter your Name")
    Name.focus()
    return false
  }

  var Phone=document.frmSample.Phone
  if ((Phone.value==null)||(Phone.value=="")){
    alert("Please Enter your Phone Number")
    Phone.focus()
    return false
  }
  if (checkInternationalPhone(Phone.value)==false){
    alert("Please Enter a Valid Phone Number")
    Phone.value=""
    Phone.focus()
    return false
  }

  var emailID=document.frmSample.E_mail
  if ((emailID.value==null)||(emailID.value=="")){
    alert("Please Enter your Email ID")
    emailID.focus()
    return false
  }
  if (echeck(emailID.value)==false){
    emailID.value=""
    emailID.focus()
    return false
  }	

  return true
}	

// -----------******************----------------------------------
// Start Email and Phone Validation
function echeck(str) {

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

	if (str.indexOf(at)==-1 || str.indexOf(at)==0 || str.indexOf(at)==lstr){
	   alert("Please enter valid E-mail address")
	   return false
	}

	if (str.indexOf(dot)==-1 || str.indexOf(dot)==0 || str.indexOf(dot)==lstr){
	    alert("Please enter valid E-mail address")
	    return false
	}

	 if (str.indexOf(at,(lat+1))!=-1){
	    alert("Please enter valid E-mail address")
	    return false
	 }

	 if (str.substring(lat-1,lat)==dot || str.substring(lat+1,lat+2)==dot){
	    alert("Please enter valid E-mail address")
	    return false
	 }

	 if (str.indexOf(dot,(lat+2))==-1){
	    alert("Please enter valid E-mail address")
	    return false
	 }
	
	 if (str.indexOf(" ")!=-1){
	    alert("Please enter valid E-mail address")
	    return false
	 }

	 return true					
}
		
/**
 * DHTML phone number validation script. Courtesy of SmartWebby.com (http://www.smartwebby.com/dhtml/)
 */

// Declaring required variables
var digits = "0123456789";
// non-digit characters which are allowed in phone numbers
var phoneNumberDelimiters = "()- ";
// characters which are allowed in international phone numbers
// (a leading + is OK)
var validWorldPhoneChars = phoneNumberDelimiters + "+";
// Minimum no of digits in an international phone no.
var minDigitsInIPhoneNumber = 10;

function isInteger(s)
{   
	var i;
    for (i = 0; i < s.length; i++)
    {   
        // Check that current character is number.
        var c = s.charAt(i);
        if (((c < "0") || (c > "9"))) return false;
    }
    // All characters are numbers.
    return true;
}

function stripCharsInBag(s, bag)
{   
	var i;
    var returnString = "";
    // Search through string's characters one by one.
    // If character is not in bag, append to returnString.
    for (i = 0; i < s.length; i++)
    {   
        // Check that current character isn't whitespace.
        var c = s.charAt(i);
        if (bag.indexOf(c) == -1) returnString += c;
    }
    return returnString;
}

function checkInternationalPhone(strPhone)
{
	s=stripCharsInBag(strPhone,validWorldPhoneChars);
	return (isInteger(s) && s.length >= minDigitsInIPhoneNumber);
}
// End Email and Phone Validation
// -----------******************----------------------------------

// -----------******************----------------------------------
// Start SIN number validation
var esum = 0;
var enumbers = "";
var checknum = 0;
var ch_sum = "";
var checkdigit = 0;
var sin = "";
var lastdigit = 0;

function clearSIN() {
  esum = 0;
  enumbers = "";
  checknum = 0;
  ch_sum = "";
  checkdigit = 0;
  sin = "";
  lastdigit = 0;
}

function isValidSIN(text) {
  clearSIN();

  if(text == "") {
    alert("You left the SIN field blank.");
    return false;
  }

  inStr = text;
  sin = text;
  inLen = inStr.length;

  if (inLen > 11 || inLen < 11) {
	alert("SIN must be 9 characters long");
	return false;
  }

  for (var i = 0; i < text.length; i++) {
	var ch = text.substring(i, i + 1)

	if ((ch < "0" || "9" < ch) && (ch != "-"))  {
       		alert("You must enter 9 digits.\nFormat 999-999-999.")
		return false;
        }
        if ((i == 3 || i == 7) && (ch != "-")) {
                alert("Invalid character in position 4 or 8;\nMust be a dash!");
                return false;
        }
  }
  
  lastdigit = text.substring(10, 10 + 1);
  // add numbers in odd positions; IE 1, 3, 6, 8		
  var odd = ((text.substring(0,0 + 1)) * (1.0)  + (text.substring(2,2 + 1)) * (1.0) 
  +(text.substring(5, 5+1)) * (1.0) + (text.substring(8,8 + 1)) * (1.0));
			
  // form texting of numbers in even positions IE 2, 4, 6, 8
  var enumbers =  (text.substring(1,1 + 1)) + (text.substring(4,4 + 1))+
  (text.substring(6,6 + 1)) + (text.substring(9,9 + 1));

  // add together numbers in new text string
  // take numbers in even positions; IE 2, 4, 6, 8
  // and double them to form a new text string
  // EG if numbers are 2,5,1,9 new text string is 410218
  for (var i = 0; i < enumbers.length; i++) {
        var ch = (enumbers.substring(i, i + 1) * 2);
        ch_sum = ch_sum + ch;
  }

  for (var i = 0; i < ch_sum.length; i++) {
        var ch = (ch_sum.substring(i, i + 1));
        esum = ((esum * 1.0) + (ch * 1.0));
  }

  checknum = (odd + esum);

  // subtextact checknum from next highest multiple of 10
  // to give check digit which is last digit in valid SIN
  if (checknum <= 10) {
	(checdigit = (10 - checknum));
  }
  if (checknum > 10 && checknum <= 20) {
	(checkdigit = (20 - checknum));
  }
  if (checknum > 20 && checknum <= 30) {
	(checkdigit = (30 - checknum));
  }
  if (checknum > 30 && checknum <= 40) {
	(checkdigit = (40 - checknum));
  }
  if (checknum > 40 && checknum <= 50) {
	(checkdigit = (50 - checknum));
  }
  if (checknum > 50 && checknum <= 60) {
	(checkdigit = (60 - checknum));
  }			
  if (checkdigit != lastdigit) {
        alert(sin + "  is an invalid SIN!");
        return false;
  }					  			

  return true;
}				
// End SIN number validation
// -----------******************----------------------------------

function autoTab( field, next, maxLength ) {
  if( field.value.length == maxLength )
    if( next != "" )
      field.form.elements[next].focus();
  return true;
}

function checkdate(input){
  var validformat=/^\d{4}\/\d{2}\/\d{2}$/ //Basic check for format validity
  var returnval=false

  var yearfield=input.split("/")[0];
  var monthfield=input.split("/")[1];
  var dayfield=input.split("/")[2];
  var dayobj = new Date(yearfield, monthfield-1, dayfield)
  if( dayobj.getFullYear() < 1900 )
    return false;
  if ((dayobj.getMonth()+1!=monthfield)||(dayobj.getDate()!=dayfield)||(dayobj.getFullYear()!=yearfield))
    var j = 0;
  else
    returnval=true
  
  return returnval;
}














/***********************************************
* Cool DHTML tooltip script- © Dynamic Drive DHTML code library (www.dynamicdrive.com)
* This notice MUST stay intact for legal use
* Visit Dynamic Drive at http://www.dynamicdrive.com/ for full source code
***********************************************/

var offsetxpoint=-60 //Customize x offset of tooltip
var offsetypoint=20 //Customize y offset of tooltip
var ie=document.all
var ns6=document.getElementById && !document.all
var enabletip=false
if (ie||ns6)
var tipobj=document.all? document.all["dhtmltooltip"] : document.getElementById? document.getElementById("dhtmltooltip") : ""

function ietruebody(){
return (document.compatMode && document.compatMode!="BackCompat")? document.documentElement : document.body
}

function ddrivetip(thetext, thecolor, thewidth){
if (ns6||ie){
if (typeof thewidth!="undefined") tipobj.style.width=thewidth+"px"
if (typeof thecolor!="undefined" && thecolor!="") tipobj.style.backgroundColor=thecolor
tipobj.innerHTML=thetext
enabletip=true
return false
}
}

function positiontip(e){
if (enabletip){
var curX=(ns6)?e.pageX : event.clientX+ietruebody().scrollLeft;
var curY=(ns6)?e.pageY : event.clientY+ietruebody().scrollTop;
//Find out how close the mouse is to the corner of the window
var rightedge=ie&&!window.opera? ietruebody().clientWidth-event.clientX-offsetxpoint : window.innerWidth-e.clientX-offsetxpoint-20
var bottomedge=ie&&!window.opera? ietruebody().clientHeight-event.clientY-offsetypoint : window.innerHeight-e.clientY-offsetypoint-20

var leftedge=(offsetxpoint<0)? offsetxpoint*(-1) : -1000

//if the horizontal distance isn't enough to accomodate the width of the context menu
if (rightedge<tipobj.offsetWidth)
//move the horizontal position of the menu to the left by it's width
tipobj.style.left=ie? ietruebody().scrollLeft+event.clientX-tipobj.offsetWidth+"px" : window.pageXOffset+e.clientX-tipobj.offsetWidth+"px"
else if (curX<leftedge)
tipobj.style.left="5px"
else
//position the horizontal position of the menu where the mouse is positioned
tipobj.style.left=curX+offsetxpoint+"px"

//same concept with the vertical position
if (bottomedge<tipobj.offsetHeight)
tipobj.style.top=ie? ietruebody().scrollTop+event.clientY-tipobj.offsetHeight-offsetypoint+"px" : window.pageYOffset+e.clientY-tipobj.offsetHeight-offsetypoint+"px"
else
tipobj.style.top=curY+offsetypoint+"px"
tipobj.style.visibility="visible"
}
}

function hideddrivetip(){
if (ns6||ie){
enabletip=false
tipobj.style.visibility="hidden"
tipobj.style.left="-1000px"
tipobj.style.backgroundColor=''
tipobj.style.width=''
}
}

document.onmousemove=positiontip