function calcLoan() {
  
  var formvals = getFormVal();
  
  var years = formvals[0];
  var months = years * 12;
  
  var loan = formvals[2];
  var apr = formvals[1];
  
  var mpr = apr / 1200;
  var nfactor = 0 - months;
  var mofactor = Math.pow((1 + mpr), nfactor);
  var bofactor = 1 - mofactor;
  var tofactor = mpr / bofactor;
  
  var payment = loan * tofactor;
  var reducto = Math.round(payment*100)/100;
  
  document.loanCalc.payment.value = "$"+reducto;
  
  if (amortsub) showAm();

}

function getFormVal(){

          var years = parseInt(document.loanCalc.term.value.replace(/,/g,""));
          var loan = parseInt(document.loanCalc.loan.value.replace(/,/g,""));
          var apr = parseFloat(document.loanCalc.apr.value.replace(/,/g,""));

          if((years <= 0)||(isNaN(years))) years = 1;
          if((apr <= 0)||(isNaN(apr))) apr = 1;
          if((loan <= 0)||(isNaN(loan))) loan = 1;

          var mike = new Array(years,apr,loan);

         return mike;
}