/****************************/

/* Global data declarations */

/****************************/



/* Variables for scoring */

     mortgage_start = 670;

     revolve_start = 670;

     realestate_start = 670;

     bankruptcy_start = 670;

     judgement_start = 670;

     collection_start = 670;

     liens_start = 670;

     chargeoff_start = 670;



     mortgage_choice1 = 0;

     mortgage_choice2 = 0;

     mortgage_choice3 = 0;

     mortgage_choice4 = 0;



     revolve_choice1 = 0;

     revolve_choice2 = 0;

     revolve_choice3 = 0;

     revolve_choice4 = 0;



 realestate_choice = 0;

 bankruptcy_choice = 0;

 judgement_choice = 0;

 collection_choice = 0;

 liens_choice = 0;

 chargeoff_choice = 0;



/* Scoring Index for Mortgage and Home Equity Loans */

/* 30 days late values*/

  m300 = 0;

  m301 = 20;

  m302 = 50;

  m303 = 100;



/* 60 days late values*/

  m600 = 0;

  m601 = 70;

  m602 = 110;

  m603 = 120;



/* 90 days late values*/

  m900 = 0;

  m901 = 120;

  m902 = 140;

  m903 = 300;



/* More than 90 days late values*/

  m910 = 0;

  m911 = 140;

  m912 = 300;

  m913 = 300;



  r300 = -20; // (add)

  r301 = 0;

  r302 = 20;

  r303 = 30;



  r600 = 0;

  r601 = 20;

  r602 = 30;

  r603 = 40;



  r900 = 0;

  r901 = 40;

  r902 = 50;

  r903 = 60;



  r910 = 0;

  r911 = 60;

  r912 = 80;

  r913 = 100;



realestate0 = 0;

realestate1 = 250;

realestate2 = 200;

realestate3 = 150;

realestate4 = 100;

realestate5 = 50;

realestate6 = 0;



bankruptcy0 = 0;

bankruptcy1 = 250;

bankruptcy2 = 150;

bankruptcy3 = 100;

bankruptcy4 = 50;

bankruptcy5 = 0;

bankruptcy6 = 0;



judgement0 = 0;

judgement1 = 100;

judgement2 = 75;

judgement3 = 40;

judgement4 = 10;

judgement5 = 0;

judgement6 = 0;



collection0 = 0;

collection1 =100;

collection2 = 75;

collection3 = 40;

collection4 = 10;

collection5 = 0;

collection6 = 0;



chargeoff0 = 0;

chargeoff1 = 100;

chargeoff2 = 75;

chargeoff3 = 40;

chargeoff4 = 10;

chargeoff5 = 0;

chargeoff6 = 0;



liens0 = 0;

liens1 = 200;

liens2 = 100;

liens3 = 50;

liens4 = 30;

liens5 = 20;

liens6 = 0;





  function resetscores() {



     mortgage_start = 670;

     revolve_start = 670;

     realestate_start = 670;

     bankruptcy_start = 670;

     judgement_start = 670;

     collection_start = 670;

     liens_start = 670;

     chargeoff_start = 670;

  }



  function updateval(form) {

     mortgage_start = mortgage_start - mortgage_choice1;

     mortgage_start = mortgage_start - mortgage_choice2;

     mortgage_start = mortgage_start - mortgage_choice3;

     mortgage_start = mortgage_start - mortgage_choice4;



     revolve_start = revolve_start - revolve_choice1;

     revolve_start = revolve_start - revolve_choice2;

     revolve_start = revolve_start - revolve_choice3;

     revolve_start = revolve_start - revolve_choice4;



     realestate_start = realestate_start - realestate_choice;

     bankruptcy_start = bankruptcy_start - bankruptcy_choice;

     judgement_start = judgement_start - judgement_choice;

     collection_start = collection_start - collection_choice;

     liens_start = liens_start - liens_choice;

     chargeoff_start = chargeoff_start - chargeoff_choice;



     vermin = mortgage_start;

     if (vermin > revolve_start) vermin = revolve_start;

     if (vermin > realestate_start) vermin = realestate_start;

     if (vermin > bankruptcy_start) vermin = bankruptcy_start;

     if (vermin > judgement_start) vermin = judgement_start;

     if (vermin > collection_start) vermin = collection_start;

     if (vermin > liens_start) vermin = liens_start;

     if (vermin > chargeoff_start) vermin = chargeoff_start;



     grade_number = vermin;



     if (grade_number == 670) grade = "A+"

     if (grade_number == 660) grade = "A"

     if (grade_number == 650) grade = "A"

     if (grade_number == 640) grade = "A-"

     if (grade_number == 630) grade = "B+"

     if (grade_number == 620) grade = "B"

     if (grade_number == 610) grade = "B-"

     if (grade_number == 600) grade = "B-"

     if (grade_number == 590) grade = "C+"

     if (grade_number == 580) grade = "C"

     if (grade_number == 570) grade = "C-"

     if (grade_number == 560) grade = "D+"

     if (grade_number == 550) grade = "D"

     if (grade_number == 540) grade = "D-"

     if (grade_number == 530) grade = "E"

     if (grade_number <= 520) grade = "E"



     form.grade1.value = grade;



  }



  function UpdateForm(form) {

    resetscores();



    /*****************************************************/

    /* Step 1 - Tally the Mortgage and Home Equity Lates */

    /*****************************************************/



    /* tabulate the 30 days late stuff */

    if  (form.m1.selectedIndex == 0) mortgage_choice1 = m300;

    if  (form.m1.selectedIndex == 1) mortgage_choice1 = m301;

    if  (form.m1.selectedIndex == 2) mortgage_choice1 = m302;

    if  (form.m1.selectedIndex == 3) mortgage_choice1 = m303;



    /* tabulate the 60 days late stuff */

    if  (form.m2.selectedIndex == 0) mortgage_choice2 = m600;

    if  (form.m2.selectedIndex == 1) mortgage_choice2 = m601;

    if  (form.m2.selectedIndex == 2) mortgage_choice2 = m602;

    if  (form.m2.selectedIndex == 3) mortgage_choice2 = m603;



    /* tabulate the 90 days late stuff */

    if  (form.m3.selectedIndex == 0) mortgage_choice3 = m900;

    if  (form.m3.selectedIndex == 1) mortgage_choice3 = m901;

    if  (form.m3.selectedIndex == 2) mortgage_choice3 = m902;

    if  (form.m3.selectedIndex == 3) mortgage_choice3 = m903;



    /* tabulate the over 90 days late stuff */

    if  (form.m4.selectedIndex == 0) mortgage_choice4 = m910;

    if  (form.m4.selectedIndex == 1) mortgage_choice4 = m911;

    if  (form.m4.selectedIndex == 2) mortgage_choice4 = m912;

    if  (form.m4.selectedIndex == 3) mortgage_choice4 = m913;



    /******************************************************************/

    /* Step 2 - Tally the Installment Loans and Revoling Credit Lates */

    /******************************************************************/



    /* tabulate the 30 days late stuff */

    if  (form.r1.selectedIndex == 0) revolve_choice1 = r300;

    if  (form.r1.selectedIndex == 1) revolve_choice1 = r301;

    if  (form.r1.selectedIndex == 2) revolve_choice1 = r302;

    if  (form.r1.selectedIndex == 3) revolve_choice1 = r303;



    /* tabulate the 60 days late stuff */

    if  (form.r2.selectedIndex == 0) revolve_choice2 = r600;

    if  (form.r2.selectedIndex == 1) revolve_choice2 = r601;

    if  (form.r2.selectedIndex == 2) revolve_choice2 = r602;

    if  (form.r2.selectedIndex == 3) revolve_choice2 = r603;



    /* tabulate the 90 days late stuff */

    if  (form.r3.selectedIndex == 0) revolve_choice3 = r900;

    if  (form.r3.selectedIndex == 1) revolve_choice3 = r901;

    if  (form.r3.selectedIndex == 2) revolve_choice3 = r902;

    if  (form.r3.selectedIndex == 3) revolve_choice3 = r903;



    /* tabulate the over 90 days late stuff */

    if  (form.r4.selectedIndex == 0) revolve_choice4 = r910;

    if  (form.r4.selectedIndex == 1) revolve_choice4 = r911;

    if  (form.r4.selectedIndex == 2) revolve_choice4 = r912;

    if  (form.r4.selectedIndex == 3) revolve_choice4 = r913;



    /***********************************************/

    /* Step 3 - Tally the Real Estate Foreclosures */

    /***********************************************/

    if  (form.foreclosures.selectedIndex == 0) realestate_choice = realestate0;

    if  (form.foreclosures.selectedIndex == 1) realestate_choice = realestate1;

    if  (form.foreclosures.selectedIndex == 2) realestate_choice = realestate2;

    if  (form.foreclosures.selectedIndex == 3) realestate_choice = realestate3;

    if  (form.foreclosures.selectedIndex == 4) realestate_choice = realestate4;

    if  (form.foreclosures.selectedIndex == 5) realestate_choice = realestate5;

    if  (form.foreclosures.selectedIndex == 6) realestate_choice = realestate6;



    /*******************************************/

    /* Step 4 - Tally the Personal Bankruptcys */

    /*******************************************/

    if  (form.bankruptcy.selectedIndex == 0) bankruptcy_choice = bankruptcy0;

    if  (form.bankruptcy.selectedIndex == 1) bankruptcy_choice = bankruptcy1;

    if  (form.bankruptcy.selectedIndex == 2) bankruptcy_choice = bankruptcy2;

    if  (form.bankruptcy.selectedIndex == 3) bankruptcy_choice = bankruptcy3;

    if  (form.bankruptcy.selectedIndex == 4) bankruptcy_choice = bankruptcy4;

    if  (form.bankruptcy.selectedIndex == 5) bankruptcy_choice = bankruptcy5;

    if  (form.bankruptcy.selectedIndex == 6) bankruptcy_choice = bankruptcy6;



    /*******************************************/

    /* Step 5 - Tally the Creditor Judgements  */

    /*******************************************/

    if  (form.judgement.selectedIndex == 0) judgement_choice = judgement0;

    if  (form.judgement.selectedIndex == 1) judgement_choice = judgement1;

    if  (form.judgement.selectedIndex == 2) judgement_choice = judgement2;

    if  (form.judgement.selectedIndex == 3) judgement_choice = judgement3;

    if  (form.judgement.selectedIndex == 4) judgement_choice = judgement4;

    if  (form.judgement.selectedIndex == 5) judgement_choice = judgement5;

    if  (form.judgement.selectedIndex == 6) judgement_choice = judgement6;



    /***************************************************/

    /* Step 6 - Tally the Collections or Garnishments  */

    /***************************************************/

    if  (form.collection.selectedIndex == 0) collection_choice = collection0;

    if  (form.collection.selectedIndex == 1) collection_choice = collection1;

    if  (form.collection.selectedIndex == 2) collection_choice = collection2;

    if  (form.collection.selectedIndex == 3) collection_choice = collection3;

    if  (form.collection.selectedIndex == 4) collection_choice = collection4;

    if  (form.collection.selectedIndex == 5) collection_choice = collection5;

    if  (form.collection.selectedIndex == 6) collection_choice = collection6;



    /*****************************************/

    /* Step 7 - Tally the Liens Against You  */

    /*****************************************/

    if  (form.liens.selectedIndex == 0) liens_choice = liens0;

    if  (form.liens.selectedIndex == 1) liens_choice = liens1;

    if  (form.liens.selectedIndex == 2) liens_choice = liens2;

    if  (form.liens.selectedIndex == 3) liens_choice = liens3;

    if  (form.liens.selectedIndex == 4) liens_choice = liens4;

    if  (form.liens.selectedIndex == 5) liens_choice = liens5;

    if  (form.liens.selectedIndex == 6) liens_choice = liens6;



    /**********************************/

    /* Step 8 - Tally the Chargeoffs  */

    /**********************************/

    if  (form.chargeoff.selectedIndex == 0) chargeoff_choice = chargeoff0;

    if  (form.chargeoff.selectedIndex == 1) chargeoff_choice = chargeoff1;

    if  (form.chargeoff.selectedIndex == 2) chargeoff_choice = chargeoff2;

    if  (form.chargeoff.selectedIndex == 3) chargeoff_choice = chargeoff3;

    if  (form.chargeoff.selectedIndex == 4) chargeoff_choice = chargeoff4;

    if  (form.chargeoff.selectedIndex == 5) chargeoff_choice = chargeoff5;

    if  (form.chargeoff.selectedIndex == 6) chargeoff_choice = chargeoff6;



  updateval(form);

  }