function returnPayments(){
var ppp = 6.0;
getapr();
var a = apr / 100;
a = a + 0.0004;
var ma = Math.pow((1 + a),(1/12))-1;
var l = document.form1.select.value;
var rv = 0;
var n = 12;
var n1 = 24;
var n2 = 36;
var n3 = 48;
var n4 = 60;
var d = 2;
var p = n + d;
var ppi = (ppp/1000)*l*p+0.0001;
var ppi2 = (ppp/1000)*l*(n1+d)+0.0001;
var ppi3 = (ppp/1000)*l*(n2+d)+0.0001;
var ppi4 = (ppp/1000)*l*(n3+d)+0.0001;
var ppi5 = (ppp/1000)*l*(n4+d)+0.0001;
var a1 = 1 - (Math.pow((1+a),((n/12)*-1)));
var a2 = Math.pow((1+a),(1/12))-1;
var a3 = Math.pow((1+ma),d);
var y = a1 / a2 / a3;
var loan_rental = (l+rv / Math.pow((1+ma),p))/y;
var repayment = Math.round(loan_rental/10*100)/100;
var ppi_rental = (ppi+rv / Math.pow((1+ma),p))/y;
var ppi_final = Math.round(ppi_rental*100)/100;
document.form1.apprate.value = apr;

if (document.form1.ins.checked) {
var total_rental = Math.round((repayment + ppi_final)*100)/100;
}
else{
var total_rental = repayment;
}

var a11 = 1 - (Math.pow((1+a),((n1/12)*-1)));
var a21 = Math.pow((1+a),(1/12))-1;
var a31 = Math.pow((1+ma),d);
var y = a11 / a21/ a31;
var loan_rental2 = (l+rv / Math.pow((1+ma),p))/y;
var repayment2 = Math.round(loan_rental2/10*100)/100;

var ppi_rental2 = (ppi2+rv / Math.pow((1+ma),p))/y;
var ppi_final2 = Math.round(ppi_rental2*100)/100;

if (document.form1.ins.checked) {
var total_rental2 = Math.round((repayment2 + ppi_final2)*100)/100;
}
else{
var total_rental2 = repayment2;
}

var a111 = 1 - (Math.pow((1+a),((n2/12)*-1)));
var a211 = Math.pow((1+a),(1/12))-1;
var a311 = Math.pow((1+ma),d);
var y = a111 / a211/ a311;
var loan_rental3 = (l+rv / Math.pow((1+ma),p))/y;
var repayment3 = Math.round(loan_rental3/10*100)/100;

var ppi_rental3 = (ppi3+rv / Math.pow((1+ma),p))/y;
var ppi_final3 = Math.round(ppi_rental3*100)/100;

if (document.form1.ins.checked) {
var total_rental3 = Math.round((repayment3 + ppi_final3)*100)/100;
}
else{
var total_rental3 = repayment3;
}


var a1111 = 1 - (Math.pow((1+a),((n3/12)*-1)));
var a2111 = Math.pow((1+a),(1/12))-1;
var a3111 = Math.pow((1+ma),d);
var y = a1111 / a2111/ a3111;
var loan_rental4 = (l+rv / Math.pow((1+ma),p))/y;
var repayment4 = Math.round(loan_rental4/10*100)/100;

var ppi_rental4 = (ppi4+rv / Math.pow((1+ma),p))/y;
var ppi_final4 = Math.round(ppi_rental4*100)/100;

if (document.form1.ins.checked) {
var total_rental4 = Math.round((repayment4 + ppi_final4)*100)/100;
}
else{
var total_rental4 = repayment4;
}

var a11111 = 1 - (Math.pow((1+a),((n4/12)*-1)));
var a21111 = Math.pow((1+a),(1/12))-1;
var a31111 = Math.pow((1+ma),d);
var y = a11111 / a21111/ a31111;
var loan_rental5 = (l+rv / Math.pow((1+ma),p))/y;
var repayment5 = Math.round(loan_rental5/10*100)/100;

var ppi_rental5 = (ppi5+rv / Math.pow((1+ma),p))/y;
var ppi_final5 = Math.round(ppi_rental5*100)/100;

if (document.form1.ins.checked) {
var total_rental5 = Math.round((repayment5 + ppi_final5)*100)/100;
}
else{
var total_rental5 = repayment5;
}


repaymentarray = new Array(4);
repaymentarray[0] = total_rental,12,
repaymentarray[1] = total_rental2,24,
repaymentarray[2] = total_rental3,36,
repaymentarray[3] = total_rental4,48,
repaymentarray[4] = total_rental5,60,

document.form1.select2.options[0].text = '12 X £'+repaymentarray[0];
document.form1.select2.options[1].text = '24 X £'+repaymentarray[1];
document.form1.select2.options[2].text = '36 X £'+repaymentarray[2];
document.form1.select2.options[3].text = '48 X £'+repaymentarray[3];
document.form1.select2.options[4].text = '60 X £'+repaymentarray[4];

document.form1.select2.options[0].value = repaymentarray[0];
document.form1.select2.options[1].value = repaymentarray[1];
document.form1.select2.options[2].value = repaymentarray[2];
document.form1.select2.options[3].value = repaymentarray[3];
document.form1.select2.options[4].value = repaymentarray[4];

if(document.form1.select2.options[0].text.length-document.form1.select2.options[0].text.indexOf('.')==2){document.form1.select2.options[0].text = '12 X £'+repaymentarray[0]+'0';}
if(document.form1.select2.options[1].text.length-document.form1.select2.options[1].text.indexOf('.')==2){document.form1.select2.options[1].text = '24 X £'+repaymentarray[1]+'0';}
if(document.form1.select2.options[2].text.length-document.form1.select2.options[2].text.indexOf('.')==2){document.form1.select2.options[2].text = '36 X £'+repaymentarray[2]+'0';}
if(document.form1.select2.options[3].text.length-document.form1.select2.options[3].text.indexOf('.')==2){document.form1.select2.options[3].text = '48 X £'+repaymentarray[3]+'0';}
if(document.form1.select2.options[4].text.length-document.form1.select2.options[4].text.indexOf('.')==2){document.form1.select2.options[4].text = '60 X £'+repaymentarray[4]+'0';}

if(document.form1.select2.options[0].text.length-document.form1.select2.options[0].text.indexOf('.')==4){document.form1.select2.options[0].text = '12 X £'+repaymentarray[0]+'.00';}
if(document.form1.select2.options[1].text.length-document.form1.select2.options[1].text.indexOf('.')==4){document.form1.select2.options[1].text = '24 X £'+repaymentarray[1]+'.00';}
if(document.form1.select2.options[2].text.length-document.form1.select2.options[2].text.indexOf('.')==4){document.form1.select2.options[2].text = '36 X £'+repaymentarray[2]+'.00';}
if(document.form1.select2.options[3].text.length-document.form1.select2.options[3].text.indexOf('.')==4){document.form1.select2.options[3].text = '48 X £'+repaymentarray[3]+'.00';}
if(document.form1.select2.options[4].text.length-document.form1.select2.options[4].text.indexOf('.')==4){document.form1.select2.options[4].text = '60 X £'+repaymentarray[4]+'.00';}

if(document.form1.select2.options[0].text.length-document.form1.select2.options[0].text.indexOf('.')==5){document.form1.select2.options[0].text = '12 X £'+repaymentarray[0]+'.00';}
if(document.form1.select2.options[1].text.length-document.form1.select2.options[1].text.indexOf('.')==5){document.form1.select2.options[1].text = '24 X £'+repaymentarray[1]+'.00';}
if(document.form1.select2.options[2].text.length-document.form1.select2.options[2].text.indexOf('.')==5){document.form1.select2.options[2].text = '36 X £'+repaymentarray[2]+'.00';}
if(document.form1.select2.options[3].text.length-document.form1.select2.options[3].text.indexOf('.')==5){document.form1.select2.options[3].text = '48 X £'+repaymentarray[3]+'.00';}
if(document.form1.select2.options[4].text.length-document.form1.select2.options[4].text.indexOf('.')==5){document.form1.select2.options[4].text = '60 X £'+repaymentarray[4]+'.00';}

if(document.form1.select2.options[0].text.length-document.form1.select2.options[0].text.indexOf('.')==6){document.form1.select2.options[0].text = '12 X £'+repaymentarray[0]+'.00';}
if(document.form1.select2.options[1].text.length-document.form1.select2.options[1].text.indexOf('.')==6){document.form1.select2.options[1].text = '24 X £'+repaymentarray[1]+'.00';}
if(document.form1.select2.options[2].text.length-document.form1.select2.options[2].text.indexOf('.')==6){document.form1.select2.options[2].text = '36 X £'+repaymentarray[2]+'.00';}
if(document.form1.select2.options[3].text.length-document.form1.select2.options[3].text.indexOf('.')==6){document.form1.select2.options[3].text = '48 X £'+repaymentarray[3]+'.00';}
if(document.form1.select2.options[4].text.length-document.form1.select2.options[4].text.indexOf('.')==6){document.form1.select2.options[4].text = '60 X £'+repaymentarray[4]+'.00';}

}
function nextbit(){
var loan = document.form1.select.value;
var term = document.form1.select2.selectedIndex;
var repayment = document.form1.select2.value;
var int_repay = repayment + 0.000000001;
if (term == 0){
var months=12
}
if (term == 1){
var months=24
}
if (term == 2){
var months=36
}
if (term == 3){
var months=48
}
if (term == 4){
var months=60
}
var tap = Math.round(repayment * months*100)/100;
document.form1.text.value = 'A loan of £'+loan+' repayable by Direct Debit over '+months+' months would be '+months+' repayments of £'+repayment+'. APR '+apr+'%. Total amount repayable is £'+tap;
if (document.form1.ins.checked) {
var inson="Y";
}
else{
var inson="N";
}
document.form1.action='index2.asp?loan='+loan+'&term='+months+'&pay='+repayment+'ins='+inson;
}