function getCookie(name){
var cname = name + "=";               
var dc = document.cookie;             
if (dc.length > 0) {              
begin = dc.indexOf(cname);       
if (begin != -1) {           
begin += cname.length;       
end = dc.indexOf(";", begin);
if (end == -1) end = dc.length;
return unescape(dc.substring(begin, end));
} 
}
return null;
}
function setCookie(name, value) {
var now = new Date();
var then = new Date(now.getTime() + 31536000000);
document.cookie = name + "=" + escape(value) + "; expires=" + then.toGMTString() + "; path=/";
}
function getInfo(form) {
form.info.value = "Browser Information: " + navigator.userAgent;
}
function getValue(element) {
var value = getCookie(element.name);
if (value != null) element.value = value;
}
function setValue(element) {
setCookie(element.name, element.value);
}
function fixElement(element, message) {
alert(message);
element.focus();
}
function isMailReady(form) {
var passed = false;
if (form.applicant_lastname.value == "") {
fixElement(form.applicant_lastname, "Please include your Last Name");
window.location = "#form0";
}
else if (form.applicant_middlename.value == "") {
fixElement(form.applicant_middlename, "Please include your Middle Name");
window.location = "#form0";
}
else if (form.applicant_firstname.value == "") {
fixElement(form.applicant_firstname, "Please include your First Name");
window.location = "#form0";
}
else if (form.downpayment.value == "") {
fixElement(form.downpayment, "Please include your Downpayment");
window.location = "#form0";
}
else if (form.current_address.value == "") {
fixElement(form.current_address, "Please include your Current Address");
window.location = "#form0";
}
else if (form.current_city.value == "") {
fixElement(form.current_city, "Please include your Current City");
window.location = "#form0";
}
else if (form.current_zip.value == "") {
fixElement(form.current_zip, "Please include your Current Zip/Postal Code");
window.location = "#form0";
}
else if (form.date_of_birth.value == "") {
fixElement(form.date_of_birth, "Please include your date of birth");
window.location = "#form0";
}
else if (form.Social_Sec_No.value == "") {
fixElement(form.Social_Sec_No, "Please include your SSS Number");
window.location = "#form0";
}
else if (form.Years_Res.value == "") {
fixElement(form.Years_Res, "How long at this address");
window.location = "#form0";
}
else if (form.Rent_Mortgage.value == "$") {
fixElement(form.Rent_Mortgage, "Please include Rent Mortgage Value");
window.location = "#form0";
}

else if (form.Prev_Street1.value == "") {
fixElement(form.Prev_Street1, "Please include Former Address --> Street");
window.location = "#form0";
}

else if (form.Prev_City1.value == "") {
fixElement(form.Prev_City1, "Please include Former Address --> City");
window.location = "#form0";
}

else if (form.Prev_Zip1.value == "") {
fixElement(form.Prev_Zip1, "Please include Former Address --> ZipCode");
window.location = "#form0";
}

else if (form.Prev_Year1.value == "") {
fixElement(form.Prev_Year1, "Please include Former Address --> Year");
window.location = "#form0";
}

else if (form.current_employer.value == "") {
fixElement(form.current_employer, "Please include Current Employer");
window.location = "#form0";
}

else if (form.work_phone.value == "") {
fixElement(form.work_phone, "Please include Work Phone");
window.location = "#form0";
}

else if (form.job_desc.value == "") {
fixElement(form.job_desc, "Please include Job Description");
window.location = "#form0";
}

else if (form.ref_name1.value == "") {
fixElement(form.ref_name1, "Please include Reference Name");
window.location = "#form0";
}

else if (form.email.value.indexOf("@") == -1 ||
form.email.value.indexOf(".") == -1) {
fixElement(form.email, "Please include a proper Email Address.");
window.location = "#form0";
}




else if (form.boxAgree.checked==false)
	{
		alert('Please verify that you agree that all information entered is true at time of submitting.');
		return false;
	}

else
	{
		getInfo(form);
		passed = true;
	}
		return passed;
	}