function Morgcal()
{
    form = document.myform
    LoanAmount= form.LoanAmount.value
        
    DownPayment= "0"
    AnnualInterestRate = form.InterestRate.value/100
    Years= form.NumberOfYears.value
        MonthRate=AnnualInterestRate/12
    NumPayments=Years*12
    Prin=LoanAmount-DownPayment
    
    MonthPayment=Math.floor((Prin*MonthRate)/(1-Math.pow((1+MonthRate),(-1*NumPayments)))*100)/100
        form.NumberOfPayments.value=NumPayments
    form.MonthlyPayment.value=MonthPayment
}