function homeCalc(fm)
	{
		var wd_rate = 0;	
		var basic_rate = 0.00052; peril_rate = 0; premium = 0; 
		var sum = fm.sum.value;
		
		if (sum == "")  {
			alert ("Please enter house sum insured");
			fm.sum.focus();
			return false;
		}

		if (isNaN(sum)) {
			alert("Please enter a numeric value (without commas)");
			fm.sum.focus();
			return false;
		}
		if (fm.high[0].checked) //less than 5 storeys
			wd_rate = 0.005/100;
		else
			wd_rate = 0.006/100;  //more than 5 storeys  

		if (fm.ac.checked)
			peril_rate += 0.005/100; //Aircraft
		if (fm.eq.checked)
			peril_rate += 0.010/100; //Earthquake
		if (fm.st.checked)
			peril_rate += 0.015/100; //Storm Tempest
		if (fm.fl.checked)
			peril_rate += 0.086/100; //Flood
		if (fm.exp.checked)
			peril_rate += 0.005/100; //Explosion
		if (fm.imp.checked)
			peril_rate += 0.004/100; //Impact
		if (fm.bwp.checked)
			peril_rate += wd_rate; //Water damage
		if (fm.rsmd.checked)
			peril_rate += 0.010/100; //RSMD
		if (fm.sub.checked)
			peril_rate += 0.081/100; //Subsidence Landslip
		
	
		final_rate = basic_rate + peril_rate;
		premium = sum * final_rate;
		
		if (premium<60)
			premium = 60 //minimum premium

		premium = premium + 10;

		
		fm.totalPremium.value = Math.round(eval(premium)* Math.pow(10,2))/100;
//		return true;
	}

	function doreset()
	{
		form_hse.totalPremium.value = 0;
	}

// CALCULATE MOTOR PREMIUM

	function motorCalc (fm)
	{
	var ccVal, ncdVal, tpPrem, mtrPrem, andVal;
	var vsiVal = fm.vsi.value;
	var cc = fm.ccrange.value;
	var wsVal = fm.wsi.value * 0.15;
	
	if (fm.and.value <= 5)
	andVal = fm.and.value*10;
	else
	andVal = 50;
	
	if (vsiVal == "")  {
		alert ("Please enter vehicle sum insured");
		fm.vsi.focus();
		return false;
	}

	if (isNaN(vsiVal))	{
		alert("Please enter a numeric value (without commas)");
		fm.vsi.focus();
		return false;
	}

	if (cc == "") {
		alert ("Please enter vehicle cubic capacity");
		fm.ccrange.focus();
		return false;
	}

	if (fm.ncd.value == ""){
		alert ("Please enter ncd value");
		fm.ncd.focus();
		return false;
	}
			mtrPrem = (vsiVal - 1000) * 0.026;
			
			ccVal = parseFloat(fm.ccrange.options[fm.ccrange.selectedIndex].value);
			tpPrem = parseFloat(fm.ccrange.options[fm.ccrange.selectedIndex].name);

			mtrPrem += ccVal;

			ncdVal = mtrPrem * fm.ncd.options[fm.ncd.selectedIndex].value;

			mtrPrem -= ncdVal;


		if (fm.llp.checked)
				mtrPrem += (tpPrem * 0.25);
		if (fm.llpn.checked)
				mtrPrem += 7.5;
		if (fm.srcc.checked)
				mtrPrem += (vsiVal * 0.003);
		if (fm.flood.checked)
				mtrPrem += (vsiVal * 0.005);
		if (fm.wsi.value != "")
				mtrPrem += wsVal;
		if (fm.and.value != "")
				mtrPrem += andVal;
		else mtrPrem = mtrPrem;

		mtrPrem = mtrPrem + 10;

		fm.showMtrPrem.value = Math.round(eval(mtrPrem)* Math.pow(10,2))/100;
	}

	function doreset1()
	{
		form_mtr.totalPremium.value = 0;
	}