$(function() {
		// set opacity to nill on page load
		$("ul#topmenu span").css("opacity","0");
		
		// on mouse over
		$("ul#topmenu span").hover(function () {
			// animate opacity to full
			$(this).stop().animate({
				opacity: 1
			}, 700, 'easeOutSine');
		},
		// on mouse out
		function () {
			// animate opacity to nill
			$(this).stop().animate({
				opacity: 0
			}, 700, 'easeOutExpo');
		});
	});

	$(function() {
		// set opacity to nill on page load
		$("ul#bottommenu span").css("opacity","0");
		
		// on mouse over
		$("ul#bottommenu span").hover(function () {
			// animate opacity to full
			$(this).stop().animate({
				opacity: 1
			}, 700, 'easeOutSine');
		},
		// on mouse out
		function () {
			// animate opacity to nill
			$(this).stop().animate({
				opacity: 0
			}, 700, 'easeOutExpo');
		});
	});	
	
	var irate, mi, cmi, years, tprinc, princ, paym, cpaym, osp,v,downp,downr,comp;
	function calcPaym(cdn){
	   tprinc = round2d(parseFloat(document.smpc.tprinc.value));
	   downp = .01*parseFloat(document.smpc.downp.value);
	   downr = ceil2d(downp*tprinc);
	   princ = tprinc-downr;
	   
	   document.smpc.princ.value = fmt2d(princ,0);
	   document.smpc.downr.value = fmt2d(downr,0);
	  
	   irate = .01*parseFloat(document.smpc.percent.value);
	   years=parseFloat(document.smpc.years.value);
	   term = parseFloat(document.smpc.term.value);
	   if(term > years)term=years;
	   
	   if (term==0 || years==0||irate<.0001||princ<1)
	   {alert("values must be numeric");}
	   else 
	   {
		   if(cdn)mi = Math.pow(1+ irate/2,1/6) 
		   else   mi = 1+(irate/12);
		   v = 1/mi;
		   paym = ceil2d(princ*(mi-1)/(1-Math.pow(mi,-(years*12))));
		   osp = (princ-(v*paym*(1-Math.pow(v,12*term)))/(1-v))/Math.pow(v,12*term);
		   if(osp<0)osp = 0;
		   
		   document.smpc.paym.value=fmt2d(paym,0);
		   document.smpc.owed.value = fmt2d(osp,0);
	   }
	}
	function round2d(n){return(.01* Math.round(100*n));}
	function floor2d(n){return(.01* Math.floor(100*n));}
	function ceil2d(n){return(.01* Math.ceil(100*n));}
	// format number n as string width w with 2 decimal places
	function fmt2d(n,w)
	{
	   var work,dp,sl,dl;
	   
	   work = ""+floor2d(n); // force only 2 decimals
	   sl=work.length;
	   
	   if(-1 == (dp = work.indexOf(".")))work=work+".00";
	   else if(3 > sl-dp)work = work+".00".substring(sl-dp,3);
	   sl = work.length;
	   if(0 != w && w !=sl)
		  if(w<sl){work = "*";for(sl=1;sl<w;sl++)work=work+"*";}
		  else for(;sl<w;sl++)work=" "+work; 
	   return work;
	}