function checkValidS1(frm)
{
	if(document.frmstep1.fAmountRequested.value == '')
	{
		alert("Please select the amount you would like to borrow");
		document.frmstep1.fAmountRequested.focus();
		return false;
	}
// Title
	if(document.frmstep1.vTitle.value == '')
	{
		alert("Please select title");
		document.frmstep1.vTitle.focus();
		return false;
	}
// fName
	if(document.frmstep1.vFName.value == '')
	{
		alert("Please enter your first name");
		document.frmstep1.vFName.focus();
		return false;
	}
	if((document.frmstep1.vFName.value.length < 2) || (document.frmstep1.vFName.value.length > 50))
	{
		alert("First name entered should be between 2 and 50 characters");
		document.frmstep1.vFName.focus();
		return false;
	}
	if(!letter(document.frmstep1.vFName.value,document.frmstep1.vFName.value.length))
	{
		alert("Please enter valid first name")
		document.frmstep1.vFName.focus();
		return false;
	}
// mName
	if((document.frmstep1.vMName.value != '') && ((document.frmstep1.vMName.value.length < 2) || (document.frmstep1.vMName.value.length > 50)))
	{
		alert("Middle name entered should be between 2 and 50 characters");
		document.frmstep1.vMName.focus();
		return false;
	}
	if((document.frmstep1.vMName.value != '') && ((!letter(document.frmstep1.vMName.value,document.frmstep1.vMName.value.length))))
	{
		alert("Please enter valid middle name");
		document.frmstep1.vMName.focus();
		return false;
	}
// lName
	if(document.frmstep1.vLName.value == '')
	{
		alert("Please enter surname");
		document.frmstep1.vLName.focus();
		return false;
	}
	if((document.frmstep1.vLName.value.length < 2) || (document.frmstep1.vLName.value.length > 50))
	{
		alert("Last name entered should be between 2 and 50 characters");
		document.frmstep1.vLName.focus();
		return false;
	}
	if(!letter(document.frmstep1.vLName.value,document.frmstep1.vLName.value.length))
	{
		alert("Please enter valid last name")
		document.frmstep1.vLName.focus();
		return false;
	}
// DOB
	if(document.frmstep1.DOBdate.value == '')
	{
		alert("Please select date of birth day");
		document.frmstep1.DOBdate.focus();
		return false;
	}
	if(document.frmstep1.DOBmonth.value == '')
	{
		alert("Please select date of birth month");
		document.frmstep1.DOBmonth.focus();
		return false;
	}
	if(document.frmstep1.DOByear.value == '')
	{
		alert("Please select date of birth year");
		document.frmstep1.DOByear.focus();
		return false;
	}
	/* gender, marital status, NI number */
	/*if(document.frmstep1.eGender.value == '')
	{
		alert("Please select a gender");
		document.frmstep1.eGender.focus();
		return false;
	}*/
	/*if(document.frmstep1.vMaritalStatus.value == '')
	{
		alert("Please select a marital status");
		document.frmstep1.vMaritalStatus.focus();
		return false;
	}*/
	/*if(document.frmstep1.vNINumber.value == '')
	{
		alert("Please enter NI number");
		document.frmstep1.vNINumber.focus();
		return false;
	}*/
// NINumber
	if((document.frmstep1.vNINumber.value != '')&&(!ni_validate(document.frmstep1.vNINumber.value,'vNINumber')))
	{
		document.frmstep1.vNINumber.focus();
		return false;
	}
// residentialStatus
	if(document.frmstep1.vResidentialStatus.value == '')
	{
		alert("Please select a residental status");
		document.frmstep1.vResidentialStatus.focus();
		return false;
	}
	/* no. of dependants, vehicle registration, home bill holder, */
	/*if(document.frmstep1.vNumberOfDependents.value == '')
	{
		alert("Please select a number of dependents");
		document.frmstep1.vNumberOfDependents.focus();
		return false;
	}*/
	/*if((document.getElementById('eOwnACar').checked == true) && (document.frmstep1.vVehicleRegistration.value == ''))
	{
		alert("Please enter your vehicle registration");
		document.frmstep1.vVehicleRegistration.focus();
		return false;
	}
	if((document.frmstep1.vVehicleRegistration.value != '') && ((document.frmstep1.vVehicleRegistration.value.length < 2) || (document.frmstep1.vVehicleRegistration.value.length > 10)))
	{
		alert(" Vehicle registration entered should be between 2 and 10 characters");
		document.frmstep1.vVehicleRegistration.focus();
		return false;
	}	*/
	/*if(document.frmstep1.vHomeBillHolderName.value == '')
	{
		alert("Please enter letters for the home bill holder name");
		document.frmstep1.vHomeBillHolderName.focus();
		return false;
	}
	if((document.frmstep1.vHomeBillHolderName.value.length < 5) || (document.frmstep1.vHomeBillHolderName.value.length > 75))
	{
		alert("Home bill holder name entered should be between 5 and 75 characters");
		document.frmstep1.vHomeBillHolderName.focus();
		return false;
	}
	if((document.frmstep1.vHomeBillHolderName.value != '') && ((!letter(document.frmstep1.vHomeBillHolderName.value,document.frmstep1.vHomeBillHolderName.value.length))))
	{
		alert("Please enter valid home bill holder name");
		document.frmstep1.vHomeBillHolderName.focus();
		return false;
	}*/
// homePhone
	if(document.frmstep1.vHomePhone.value == '')
	{
		alert("Please enter your phone number");
		document.frmstep1.vHomePhone.focus();
		return false;
	}
	var value = document.frmstep1.vHomePhone.value;
	var flag = value.charAt(0);
	
	if(!phoneformate_New(document.frmstep1.vHomePhone.value,document.frmstep1.vHomePhone.value.length))
	{
		alert("Please enter a valid phone number");
		document.frmstep1.vHomePhone.focus();
		return false;
	}
	if(flag != 0)
	{
		alert("Please enter a phone number which starts with 0");
		document.frmstep1.vHomePhone.focus();
		return false;
	}
	if((document.frmstep1.vHomePhone.value.length < 11) || (document.frmstep1.vHomePhone.value.length > 11))
	{
		alert("Home phone entered should be 11 digits long");
		document.frmstep1.vHomePhone.focus();
		return false;
	}
	var value_hphone = document.frmstep1.vHomePhone.value;
	var flag_hphone_1 = value_hphone.charAt(0);
	var flag_hphone_2 = value_hphone.charAt(1);
	if((flag_hphone_1 == 0) && (flag_hphone_2 == 7))
	{
		alert("Home phone number cannot be a mobile, please enter a land line");
		document.frmstep1.vHomePhone.focus();
		return false;
	}
	if((flag_hphone_1 == 0) && ((flag_hphone_2 != 1) && (flag_hphone_2 != 2) && (flag_hphone_2 != 3) && (flag_hphone_2 != 5) && (flag_hphone_2 != 7) && (flag_hphone_2 != 8) && (flag_hphone_2 != 9)))
	{
		alert("Home phone number must be a UK land line, please enter home phone number including UK STD area code");
		document.frmstep1.vHomePhone.focus();
		return false;
	}
// Mobile
	if(document.frmstep1.vMobile.value == '')
	{
		alert("Please enter your mobile phone number");
		document.frmstep1.vMobile.focus();
		return false;
	}
	var value_mobile = document.frmstep1.vMobile.value;
	var flag_mobile_1 = value_mobile.charAt(0);
	var flag_mobile_2 = value_mobile.charAt(1);
	if(!phoneformate_New(document.frmstep1.vMobile.value,document.frmstep1.vMobile.value.length))
	{
		alert("Please enter a valid mobile number");
		document.frmstep1.vMobile.focus();
		return false;
	}
	if((flag_mobile_1 != 0) || (flag_mobile_2 != 7))
	{
		alert("Please enter a mobile number which starts with 07");
		document.frmstep1.vMobile.focus();
		return false;
	}
	if((document.frmstep1.vMobile.value.length < 11) || (document.frmstep1.vMobile.value.length > 11))
	{
		alert("Mobile number entered should be 11 digits long");
		document.frmstep1.vMobile.focus();
		return false;
	}
// email
	if(document.frmstep1.vEmail.value == '')
	{
		alert("Please enter your email address");
		document.frmstep1.vEmail.focus();
		return false;
	}
	if(!isValidEmail(document.frmstep1.vEmail.value))
	{
		document.frmstep1.vEmail.focus();
		return false;
	}
// confEmail
	if(document.frmstep1.ConfEmail.value == '')
	{
		alert("Please verify your email address");
		document.frmstep1.ConfEmail.focus();
		return false;
	}
	if(!isValidEmail(document.frmstep1.ConfEmail.value))
	{
		document.frmstep1.ConfEmail.focus();
		return false;
	}
	if(document.frmstep1.vEmail.value != document.frmstep1.ConfEmail.value )
	{
		alert("The two email addresses entered do not match");
		document.frmstep1.ConfEmail.focus();
		return false;
	}
// howFindUs
	if(document.getElementById('vHowDidYouFind').value == "")
	{
		alert("Please tell us how you found the site");
		document.frmstep1.vHowDidYouFind.focus();
		return false;
	}
// terms
	if(document.getElementById('terms').checked == false)
	{
		alert("Please check the box to accept the terms and conditions");
		document.frmstep1.terms.focus();
		return false;
	}
}

function displayVehicleRegistration(val)
{

	if(document.getElementById('eOwnACar').checked == true)
		document.getElementById('ownership').style.display = '';
	else
		document.getElementById('ownership').style.display = 'none';
}
function calcCharge(val)
{
	var charge_1 = 15;
	var charge_2 = 50;
	var final_charge = (val * charge_1)/(charge_2);
	var TotalRepayable = parseInt(val) + parseInt(final_charge);

	document.getElementById('charge').innerHTML = "&pound;"+final_charge; 
	document.getElementById('payable').innerHTML = "&pound;"+TotalRepayable; 

	document.frmstep1.fCharge.value = final_charge;
	document.frmstep1.fTotalRepayable.value = TotalRepayable;
}