function WriteLayer(ID,parentID,URL) 
    {
        if (document.layers) 
        {
            var oLayer;
            if(parentID)
            {
                oLayer = eval('document.' + parentID + '.document.' + ID + '.document');
            }
            else
            {
                oLayer = document.layers[ID].document;
            }
            
            oLayer.open();
            oLayer.write(URL);
            oLayer.close();
        }
        else if (parseInt(navigator.appVersion)>=5&&navigator.appName=="Netscape") 
        {
            document.getElementById(ID).innerHTML = URL;
        }
        else if (document.all) 
            document.all[ID].innerHTML = URL
    }
    
    function PMT(rate, term, loan)
    {
        if(term <=0)
            return loan;
        if(term <= 1)
            return loan * (1 + rate);
        if (rate == 0)
            return loan / term;
        else
            return (loan * rate) / (1 - (Math.pow(1 + rate, term * -1)));
    }
    
    function FV_AMT(rate, term, amount)
    {
        if(rate == 0)
            return amount;
        else
            return amount / Math.pow(1 + rate, -1 * term);
    }
    
    function RoRMonth(rate)
    {
        return Math.pow(1 + rate, 0.083333333333333329) - 1;
    }
    
    function PV(rate, term, payment)
    {
        return NPV_AMT(rate, term, FV(rate, term, payment));
    }
    
    function NPV_AMT(rate, term, payment)
    {
        return payment / Math.pow(1.0 + rate, term);
    }
    
    function FV(rate, term, payment)
    {
        if(rate == 0)
            return term * payment;
        else
            return (payment / rate) * (Math.pow(1.0 + rate, term) - 1.0);
    }
    
    function PERIODS(d, d1, d2)
    {
        var d3 = 3120.0;
        var d4 = 1560.0;
        var d5 = d1;
        for(var i=1; i< 50; i++)
        {
            var d6 = PMT(d, d3, d2);
            if(d6 == d1)
                return d3;
            if(d6 < d1)
                d3 -= d4;
            else
                d3 += d4;
            d4 /= 2.0;
        }
        
        return d3;
    }
    
    function RATE(d, d1, d2)
    {
        var d3 = 0.0;
        var d4 = 1.0;
        var d5 = d1;
        for(var i=1; i < 50; i++)
        {
            var d6 = PMT(d3, d, d2);
            if(d6 == d1)
                return d3;
            if(d6 < d1)
                d3 += d4;
            else
                d3 -= d4;
            d4 /= 2.0;
        }
        
        return d3;
    }
    
    function APR(d, d1, d2, d3, d4)
    {
        var d5 = PMT(d2, d, d3 + d4);
        return RATE(d, d5, d3);
    }