function validFrm(myFrm) {

    var err = 0;
    var errStr = '';

    if (myFrm.first_name.value == '') {
        errStr += 'Please enter your first name.\n';
        if (err == 0) myFrm.first_name.focus();
        err = 1;
    }

    if (myFrm.last_name.value == '') {
        errStr += 'Please enter your last name.\n';
        if (err == 0) myFrm.last_name.focus();
        err = 1;
    }
    
    if (myFrm.address.value == '' || myFrm.address2.value == '') {
        errStr += 'Please enter your address.\n';
        if (err == 0) myFrm.address.focus();
        err = 1;
    }
    if (myFrm.town.value == '') {
        errStr += 'Please enter your town.\n';
        if (err == 0) myFrm.town.focus();
        err = 1;
    }
    if (myFrm.county.value == '') {
        errStr += 'Please enter your county.\n';
        if (err == 0) myFrm.county.focus();
        err = 1;
    }
    if (myFrm.postcode.value == '') {
        errStr += 'Please enter your postcode.\n';
        if (err == 0) myFrm.postcode.focus();
        err = 1;
    }
    if (!checkemail(myFrm.email.value)) {
        errStr += 'Please enter a valid email address.\n';
        if (err == 0) myFrm.email.focus();
        err = 1;
    }

    if (myFrm.homeworkphone.value == '') {
        errStr += 'Please enter your home/work phone number.\n';
        if (err == 0) myFrm.homeworkphone.focus();
        err = 1;
    }
    
    if (myFrm.mobile_phone.value == '') {
        errStr += 'Please enter your mobile phone number (or n/a).\n';
        if (err == 0) myFrm.mobile_phone.focus();
        err = 1;
    }
    if (myFrm.contact_time.value == '') {
        errStr += 'Please select the best time to call you.\n';
        if (err == 0) myFrm.contact_time.focus();
        err = 1;
    }
    if (myFrm.monthly_income.value == '') {
        errStr += 'Please enter your monthly income.\n';
        if (err == 0) myFrm.monthly_income.focus();
         err = 1;
   }

    if (myFrm.monthlyexpenses.value == '') {
        errStr += 'Please enter your monthly expenses.\n';
        if (err == 0) myFrm.monthlyexpenses.focus();
         err = 1;
   }
    if (myFrm.total_owed.value == '') {
        errStr += 'Please enter the amount owed.\n';
        if (err == 0) myFrm.total_owed.focus();
        err = 1;
    }
    if (myFrm.number_debts.value == '') {
        errStr += 'Please select how many creditors you have.\n';
        if (err == 0) myFrm.number_debts.focus();
        err = 1;
    }
    if (myFrm.natureofincome.value == '') {
        errStr += 'Please enter the nature of your income.\n';
        if (err == 0) myFrm.natureofincome.focus();
        err = 1;
    }

    if (myFrm.residencystatus.value == '') {
        errStr += 'Please enter your residency status.\n';
        if (err == 0) myFrm.residencystatus.focus();
        err = 1;
    }
   

    if(err == 1)
    {
	alert(errStr);
	return (false);
    } else {
	return (true);
    }
    
}


function validComm(myFrm) {

    var err = 0;
    var errStr = '';

    if (myFrm.commentName.value == '') {
        errStr += 'Please enter your name.\n';
        if (err == 0) myFrm.commentName.focus();
        err = 1;
    }

    if (!checkemail(myFrm.commentEmail.value)) {
        errStr += 'Please enter a valid email address.\n';
        if (err == 0) myFrm.commentEmail.focus();
        err = 1;
    }

    if (myFrm.commentText.value == '') {
        errStr += 'Please enter a comment.\n';
        if (err == 0) myFrm.commentText.focus();
        err = 1;
    }

    if(err == 1)
    {
	alert(errStr);
	return (false);
    } else {
	return (true);
    }
    
}


function checkemail(myAddr)
{
	if (myAddr.length == 0)
		return false;
	if (!(myAddr.indexOf("@") > -1 && myAddr.indexOf(".") > -1))
		return false;    
	return true;
}