function Savecal()
{
	form = document.savefrm
	LoanAmount= form.LoanAmount.value
		
	DownPayment= "0"
	AnnualInterestRate = form.InterestRate.value/100
	NewAnnualInterestRate = form.NewInterestRate.value/100
	Years= form.NumberOfYears.value
	MonthRate=AnnualInterestRate/12
	NewMonthRate = NewAnnualInterestRate/12
	NumPayments=Years*12
	Prin=LoanAmount-DownPayment
		// current payments
		CurrMonthPayment=Math.floor((Prin*MonthRate)/(1-Math.pow((1+MonthRate),(-1*NumPayments)))*100)/100
		CurrInterestAmt = (LoanAmount*AnnualInterestRate)/12;
		
		NewMonthPayment=Math.floor((Prin*NewMonthRate)/(1-Math.pow((1+MonthRate),(-1*NumPayments)))*100)/100
		NewInterestAmt = (LoanAmount*NewAnnualInterestRate)/12;
		
		RepmtSaving = CurrMonthPayment - NewMonthPayment
		IntSaving = CurrInterestAmt - NewInterestAmt
		
				
		form.MonthlyPayment.value=poundsPence(RepmtSaving);
		form.Interest.value= poundsPence(IntSaving);

}
function poundsPence( N ) {
		// don't try this with ie3 because it's rubbish
		if ((navigator.appName.indexOf('Microsoft')>-1)
			&& (navigator.appVersion.indexOf('3.0')>-1) )
		{
			return N;
		}
		var S = new String( N );
		var i = S.indexOf('.');
		if (i != -1) {
			S = S.substr( 0, i+3 );
			if (S.length-i < 3)
				S = S + '0';
		}
		return S;
	}