function VBRecalc()
{
	form = document.form1
	LoanAmount= form.LoanAmount.value
	/*DownPayment= form.DownPayment.value
	if (DownPayment == "")  {
		DownPayment = "0"
	}*/
	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
}