function CalcIHT() 
	{
	
	var frm = document.iht;
	
	frm.property.value = ForceNumeric(frm.property.value);
	frm.investments.value = ForceNumeric(frm.investments.value);
	frm.savings.value = ForceNumeric(frm.savings.value);
	frm.possessions.value = ForceNumeric(frm.possessions.value);
	frm.life.value = ForceNumeric(frm.life.value);
	frm.deathinservice.value = ForceNumeric(frm.deathinservice.value);
	frm.lifeintrust.value = ForceNumeric(frm.lifeintrust.value);
	frm.mortgage.value = ForceNumeric(frm.mortgage.value);
	frm.loans.value = ForceNumeric(frm.loans.value);

	l = Math.abs(frm.property.value) + Math.abs(frm.investments.value) + Math.abs(frm.savings.value) + Math.abs(frm.possessions.value) + Math.abs(frm.life.value);
	nr = 300000;
	ne = l - nr;
	ihtl = ne * 0.4;
	ml = Math.abs(frm.deathinservice.value) + Math.abs(frm.lifeintrust.value);
	rliability = ihtl - ml;

	frm.liable.value=FormatNumber(l,0);
	frm.nilrate.value=FormatNumber(nr,0);
	
	if (ne > 0)
		{
		frm.netestate.value=FormatNumber(ne,0);
		}
	else
		{
		frm.netestate.value=0;
		}

	if (ihtl > 0)
		{
		frm.ihtliability.value=FormatNumber(ihtl,0);
		}
	else
		{
		frm.ihtliability.value=0;
		}

	frm.meetliability.value=FormatNumber(ml,0);
	
	if (rliability > 0)
		{
		frm.remainingliability.value=FormatNumber(rliability,0);
		}
	else
		{
		frm.remainingliability.value=0;
		}
	
	frm.remainingliability.focus
	}

function FormatNumber(Number,Decimals,Separator)
{
 // **********************************************************
 // Placed in the public domain by Affordable Production Tools
 // March 21, 1998
 // Web site: http://www.aptools.com/
 //
 // November 24, 1998 -- Error which allowed a null value
 // to remain null fixed. Now forces value to 0.
 //
 // This function accepts a number to format and number
 // specifying the number of decimal places to format to. May
 // optionally use a separator other than '.' if specified.
 //
 // If no decimals are specified, the function defaults to
 // two decimal places. If no number is passed, the function
 // defaults to 0. Decimal separator defaults to '.' .
 //
 // If the number passed is too large to format as a decimal
 // number (e.g.: 1.23e+25), or if the conversion process
 // results in such a number, the original number is returned
 // unchanged.
 // **********************************************************
 Number += ""          // Force argument to string.
 Decimals += ""        // Force argument to string.
 Separator += ""       // Force argument to string.
 if((Separator == "") || (Separator.length > 1))
  Separator = "."
 if(Number.length == 0)
  Number = "0"
 var OriginalNumber = Number  // Save for number too large.
 var Sign = 1
 var Pad = ""
 var Count = 0
 // If no number passed, force number to 0.
 if(parseFloat(Number)){
  Number = parseFloat(Number)} else {
  Number = 0}
 // If no decimals passed, default decimals to 2.
 if((parseInt(Decimals,10)) || (parseInt(Decimals,10) == 0)){
  Decimals = parseInt(Decimals,10)} else {
  Decimals = 2}
 if(Number < 0)
 {
  Sign = -1         // Remember sign of Number.
  Number *= Sign    // Force absolute value of Number.
 }
 if(Decimals < 0)
  Decimals *= -1    // Force absolute value of Decimals.
 // Next, convert number to rounded integer and force to string value.
 // (Number contains 1 extra digit used to force rounding)
 Number = "" + Math.floor(Number * Math.pow(10,Decimals + 1) + 5)
 if((Number.substring(1,2) == '.')||((Number + '')=='NaN'))
  return(OriginalNumber) // Number too large to format as specified.
 // If length of Number is less than number of decimals requested +1,
 // pad with zeros to requested length.
 if(Number.length < Decimals +1) // Construct pad string.
 {
  for(Count = Number.length; Count <= Decimals; Count++)
   Pad += "0"
 }
 Number = Pad + Number // Pad number as needed.
 if(Decimals == 0){
  // Drop extra digit -- Number is formatted.
  Number = Number.substring(0, Number.length -1)} else {
  // Or, format number with decimal point and drop extra decimal digit.
 Number = Number.substring(0,Number.length - Decimals -1) +
          Separator +
          Number.substring(Number.length - Decimals -1,
          Number.length -1)}
 if(Sign == -1)
  Number = "-" + Number  // Set sign of number.
 if(Number.length == 0)
  Number="0"
 return(Number)
}


function ForceNumeric(nValue)
	{
	validChars = "0123456789.";
	newValue="";
	for(k = 0; k < nValue.length; k++)
		{
		thisChar = nValue.charAt(k);
		if(validChars.indexOf(thisChar) != -1) newValue += thisChar;
		}
	return newValue;
	}