function IsNumeric(sText){
   var ValidChars = "0123456789.";
   var IsNumber=true;
   var Char;
   for (i = 0; i < sText.length && IsNumber == true; i++) { 
      Char = sText.charAt(i); 
      if (ValidChars.indexOf(Char) == -1) {
         IsNumber = false;
         }
      }
  return IsNumber;  
}

function lifeReqCheck() {
	var str = document.form1;
	var chkEmail = /^\w+([\.-]?\w+)*@\w+([\.-]?\w+)*(\.\w{2,4})+$/ ; // Valid email RegExp
	var	rePh = /^\s+|\s+$/g; 
	if (str.needby1.value == "") {
		alert("Please let us know the date you need this request: Day");
		str.needby1.focus();
		return false;
	}
	if (str.needby2.value == "") {
		alert("Please let us know the date you need this request: Month");
		str.needby2.focus();
		return false;
	}
	if (str.name.value == "") {
		alert("Please provide your name.");
		str.name.focus();
		return false;
	}
	if (str.email.value == "") {
		alert("Please provide your email address.");
		str.email.focus();
		return false;
	}
	if(str.email.value != "") {
		if (!chkEmail.test(str.email.value)) {
			alert(str.email.value + '  is not a valid email address.\nPlease try again.');
			str.email.focus();
			str.email.select();
			return false;
		}
	}
	if (str.phone.value == "") {
		alert("Please provide your phone number.");
		str.phone.focus();
		return false;
	}
	str.phone.value = str.phone.value.replace(rePh,'');
	if (!IsNumeric(str.phone.value)) { 
      alert('Please enter only numbers in this field.') ;
	  str.phone.focus();
      str.phone.select();
      return false; 
      } 
	if (str.st.value == "") {
		alert("Please provide your state.");
		str.st.focus();
		return false;
	}
	if (str.ins1name.value == "") {
		alert("Please provide proposed insured person's name.");
		str.ins1name.focus();
		return false;
	}
	var o = document.getElementById('m1');
	var t = document.getElementById('f1');
	if ( (o.checked == false ) && (t.checked == false ) ) {
		alert ( "Please provide proposed insured's gender." );
		str.ins1gender[0].focus();
		return false;
	}
	if (str.ins1ht1.value == "") {
		alert("Please provide proposed insured person's height (feet).");
		str.ins1ht1.focus();
		return false;
	}
	if (!IsNumeric(str.ins1ht1.value)) { 
      alert('Please enter only numbers in this field.') ;
	  str.ins1ht1.focus();
      str.ins1ht1.select();
      return false; 
      } 
	if (str.ins1ht2.value == "") {
		alert("Please provide proposed insured person's height (inches).");
		str.ins1ht2.focus();
		return false;
	}
	if (!IsNumeric(str.ins1ht2.value)) { 
      alert('Please enter only numbers in this field.') ;
	  str.ins1ht2.focus();
      str.ins1ht2.select();
      return false; 
      } 
	if (str.ins1wt.value == "") {
		alert("Please provide proposed insured person's weight.");
		str.ins1wt.focus();
		return false;
	}
	if (!IsNumeric(str.ins1wt.value)) { 
      alert('Please enter only numbers in this field.') ;
	  str.ins1wt.focus();
      str.ins1wt.select();
      return false; 
      } 
	if (str.ins2y.checked) {
		if (str.ins2name.value == "") {
			alert("Please provide additional proposed insured person's name.");
			str.ins2name.focus();
			return false;
		}
		var w = document.getElementById('m2');
		var c = document.getElementById('f2');
		if ( (w.checked == false ) && (c.checked == false ) ) {
			alert ( "Please provide additional proposed insured's gender." );
			str.ins2gender[0].focus();
			return false;
		}
		if (str.ins2ht1.value == "") {
			alert("Please provide additional proposed insured person's height (feet).");
			str.ins2ht1.focus();
			return false;
		}
		if (!IsNumeric(str.ins2ht1.value)) { 
		  alert('Please enter only numbers in this field.') ;
		  str.ins2ht1.focus();
		  str.ins2ht1.select();
		  return false; 
		  } 
		if (str.ins2ht2.value == "") {
			alert("Please provide additional proposed insured person's height (inches).");
			str.ins2ht2.focus();
			return false;
		}
		if (!IsNumeric(str.ins2ht2.value)) { 
		  alert('Please enter only numbers in this field.') ;
		  str.ins2ht2.focus();
		  str.ins2ht2.select();
		  return false; 
		  } 
		if (str.ins2wt.value == "") {
			alert("Please provide additional proposed insured person's weight.");
			str.ins2wt.focus();
			return false;
		}
		if (!IsNumeric(str.ins2wt.value)) { 
		  alert('Please enter only numbers in this field.') ;
		  str.ins2wt.focus();
		  str.ins2wt.select();
		  return false; 
		  } 
	}
	if ((document.getElementById('type1').checked == false) && (document.getElementById('type2').checked == false)) {
			alert ( "Please specify type of insurance." );
			str.type[0].focus();
			return false;
		}
	if ((document.getElementById('type1').checked == true) && (document.getElementById('type2').checked == false)) {
		if (str.dben1.value == "") {
		alert("Please provide Death Benefit Amount.");
		str.dben1.focus();
		return false;
		}
	}
	if ((document.getElementById('type1').checked == false) && (document.getElementById('type2').checked == true)) {
		if (str.dben2.value == "") {
		alert("Please provide Death Benefit Amount.");
		str.dben2.focus();
		return false;
		}
	}
	if ((document.getElementById('healthratereq1').checked == false) && (document.getElementById('healthratereq2').checked == false)) {
			alert ( "Please specify health rating requested." );
			str.healthratereq[0].focus();
			return false;
		}
	if ((document.getElementById('q1y').checked == false) && (document.getElementById('q1z').checked == false)) {
			alert ( "Please answer Question 1." );
			str.q1[0].focus();
			return false;
		}
	if ((document.getElementById('q2y').checked == false) && (document.getElementById('q2z').checked == false)) {
		alert("Please answer Question 2.");
		str.q2[0].focus();
		return false;
	}
	if ((document.getElementById('q3y').checked == false) && (document.getElementById('q3z').checked == false)) {
		alert("Please answer Question 3.");
		str.q3[0].focus();
		return false;
	}
	if ((document.getElementById('q4y').checked == false) && (document.getElementById('q4z').checked == false)) {
		alert("Please answer Question 4.");
		str.q4[0].focus();
		return false;
	}
	if ((document.getElementById('q5y').checked == false) && (document.getElementById('q5z').checked == false)) {
		alert("Please answer Question 5.");
		str.q5[0].focus();
		return false;
	}
	if ((document.getElementById('q6y').checked == false) && (document.getElementById('q6z').checked == false)) {
		alert("Please answer Question 6.");
		str.q6[0].focus();
		return false;
	}
	if ((document.getElementById('q7y').checked == false) && (document.getElementById('q7z').checked == false)) {
		alert("Please answer Question 7.");
		str.q7[0].focus();
		return false;
	}
	if ((document.getElementById('q8y').checked == false) && (document.getElementById('q8z').checked == false)) {
		alert("Please answer Question 8.");
		str.q8[0].focus();
		return false;
	}
	if ((document.getElementById('q9y').checked == false) && (document.getElementById('q9z').checked == false)) {
		alert("Please answer Question 9.");
		str.q9[0].focus();
		return false;
	}
	if ((document.getElementById('q10y').checked == false) && (document.getElementById('q10z').checked == false)) {
		alert("Please answer Question 10.");
		str.q10[0].focus();
		return false;
	}
	if ((document.getElementById('q11y').checked == false) && (document.getElementById('q11z').checked == false)) {
		alert("Please answer Question 11.");
		str.q11[0].focus();
		return false;
	}
	if (document.getElementById('q11y').checked == true) {
		if ((document.getElementById('q11ay').checked == false) && (document.getElementById('q11az').checked == false)) {
			alert("Please answer Question 11a.");
			str.q11a[0].focus();
			return false;
		}
		if ((document.getElementById('q11by').checked == false) && (document.getElementById('q11bz').checked == false)) {
			alert("Please answer Question 11b.");
			str.q11b[0].focus();
			return false;
		}
		if ((document.getElementById('q11cy').checked == false) && (document.getElementById('q11cz').checked == false)) {
			alert("Please answer Question 11c.");
			str.q11c[0].focus();
			return false;
		}
		if ((document.getElementById('q11dy').checked == false) && (document.getElementById('q11dz').checked == false)) {
			alert("Please answer Question 11d.");
			str.q11d[0].focus();
			return false;
		}
		if ((document.getElementById('q11ey').checked == false) && (document.getElementById('q11ez').checked == false)) {
			alert("Please answer Question 11e.");
			str.q11e[0].focus();
			return false;
		}
	}
	if ((document.getElementById('q12y').checked == false) && (document.getElementById('q12z').checked == false)) {
		alert("Please answer Question 12.");
		str.q12[0].focus();
		return false;
	}
	if (document.getElementById('q12y').checked == true) {
		if (str.q12a.value == "") {
			alert("Please provide family member's name.");
			str.q12a.focus();
			return false;
		}
		if (str.q12b.value == "") {
			alert("Please provide condition details.");
			str.q12b.focus();
			return false;
		}
		if ((str.q12c.value == "") && (str.q12d.value == "")) {
			alert("Please provide present age or age at death.");
			str.q12c.focus();
			return false;
		}
		if (str.q12c.value != "") {
			if (!IsNumeric(str.q12c.value)) { 
			  alert('Please enter only numbers in this field.') ;
			  str.q12c.focus();
			  str.q12c.select();
			  return false; 
			 }
		}
		if (str.q12d.value != "") {
			if (!IsNumeric(str.q12d.value)) { 
			  alert('Please enter only numbers in this field.') ;
			  str.q12d.focus();
			  str.q12d.select();
			  return false; 
			 }
		}
		if ((str.q12c.value != "") && (str.q12d.value != "")) {
			alert("Please provide only one age value");
			str.q12c.focus();
			str.q12c.select();
			return false;
		}
	}
	
	if (str.code.value == "") {
		alert("Please type the characters seen in the picture.");
		str.code.focus();
		return false;
	}
}


function lifeWsCheck2() {
	var str = document.form1;
	var chkEmail = /^\w+([\.-]?\w+)*@\w+([\.-]?\w+)*(\.\w{2,4})+$/ ; // Valid email RegExp
	var	rePh = /^\s+|\s+$/g; 
	if (str.needby1.value == "") {
		alert("Please let us know the date you need this request: Day");
		str.needby1.focus();
		return false;
	}
	if (str.needby2.value == "") {
		alert("Please let us know the date you need this request: Month");
		str.needby2.focus();
		return false;
	}
	if (str.name.value == "") {
		alert("Please provide your name.");
		str.name.focus();
		return false;
	}
	if (str.email.value == "") {
		alert("Please provide your email address.");
		str.email.focus();
		return false;
	}
	if(str.email.value != "") {
		if (!chkEmail.test(str.email.value)) {
			alert(str.email.value + '  is not a valid email address.\nPlease try again.');
			str.email.focus();
			str.email.select();
			return false;
		}
	}
	if (str.phone.value == "") {
		alert("Please provide your phone number.");
		str.phone.focus();
		return false;
	}
	str.phone.value = str.phone.value.replace(rePh,'');
	if (!IsNumeric(str.phone.value)) { 
      alert('Please enter only numbers in this field.') ;
	  str.phone.focus();
      str.phone.select();
      return false; 
      } 
	if (str.st.value == "") {
		alert("Please provide your state.");
		str.st.focus();
		return false;
	}
	if (str.ins1name.value == "") {
		alert("Please provide proposed insured person's name.");
		str.ins1name.focus();
		return false;
	}
	var o = document.getElementById('m1');
	var t = document.getElementById('f1');
	if ( (o.checked == false ) && (t.checked == false ) ) {
		alert ( "Please provide proposed insured's gender." );
		str.ins1gender[0].focus();
		return false;
	}
	if (str.ins1ht1.value == "") {
		alert("Please provide proposed insured person's height (feet).");
		str.ins1ht1.focus();
		return false;
	}
	if (!IsNumeric(str.ins1ht1.value)) { 
      alert('Please enter only numbers in this field.') ;
	  str.ins1ht1.focus();
      str.ins1ht1.select();
      return false; 
      } 
	if (str.ins1ht2.value == "") {
		alert("Please provide proposed insured person's height (inches).");
		str.ins1ht2.focus();
		return false;
	}
	if (!IsNumeric(str.ins1ht2.value)) { 
      alert('Please enter only numbers in this field.') ;
	  str.ins1ht2.focus();
      str.ins1ht2.select();
      return false; 
      } 
	if (str.ins1wt.value == "") {
		alert("Please provide proposed insured person's weight.");
		str.ins1wt.focus();
		return false;
	}
	if (!IsNumeric(str.ins1wt.value)) { 
      alert('Please enter only numbers in this field.') ;
	  str.ins1wt.focus();
      str.ins1wt.select();
      return false; 
      } 
	if (str.ins2y.checked) {
		if (str.ins2name.value == "") {
			alert("Please provide additional proposed insured person's name.");
			str.ins2name.focus();
			return false;
		}
		var w = document.getElementById('m2');
		var c = document.getElementById('f2');
		if ( (w.checked == false ) && (c.checked == false ) ) {
			alert ( "Please provide additional proposed insured's gender." );
			str.ins2gender[0].focus();
			return false;
		}
		if (str.ins2ht1.value == "") {
			alert("Please provide additional proposed insured person's height (feet).");
			str.ins2ht1.focus();
			return false;
		}
		if (!IsNumeric(str.ins2ht1.value)) { 
		  alert('Please enter only numbers in this field.') ;
		  str.ins2ht1.focus();
		  str.ins2ht1.select();
		  return false; 
		  } 
		if (str.ins2ht2.value == "") {
			alert("Please provide additional proposed insured person's height (inches).");
			str.ins2ht2.focus();
			return false;
		}
		if (!IsNumeric(str.ins2ht2.value)) { 
		  alert('Please enter only numbers in this field.') ;
		  str.ins2ht2.focus();
		  str.ins2ht2.select();
		  return false; 
		  } 
		if (str.ins2wt.value == "") {
			alert("Please provide additional proposed insured person's weight.");
			str.ins2wt.focus();
			return false;
		}
		if (!IsNumeric(str.ins2wt.value)) { 
		  alert('Please enter only numbers in this field.') ;
		  str.ins2wt.focus();
		  str.ins2wt.select();
		  return false; 
		  } 
	}
	
	if (str.amtprem.value == "") {
		alert("Please provide amount of Single Premium.");
		str.amtprem.focus();
		return false;
	}
	if (str.addinfo1.value == "") {
		alert("Please provide owner's tax bracket.");
		str.addinfo1.focus();
		return false;
	}
	if (str.addinfo2.value == "") {
		alert("Please provide heir's tax bracket.");
		str.addinfo2.focus();
		return false;
	}
	if (str.addinfo3.value == "") {
		alert("Where is the money currently?\n(CD,Annuity or IRA)");
		str.addinfo3.focus();
		return false;
	}
	if (str.addinfo4.value == "") {
		alert("If the money is currently in an annuity, what is the cost basis?");
		str.addinfo4.focus();
		return false;
	}
	if (str.addinfo5.value == "") {
		alert("What is the current interest rate it is earning?");
		str.addinfo5.focus();
		return false;
	}
	if (str.addinfo6.value == "") {
		alert("Please provide Premium Mode.");
		str.addinfo6.focus();
		return false;
	}
	
	if ((document.getElementById('uw1').checked == false) && (document.getElementById('uw2').checked == false)) {
			alert ( "Please specify type of underwriting." );
			str.type[0].focus();
			return false;
		}

	if ((document.getElementById('healthratereq1').checked == false) && (document.getElementById('healthratereq2').checked == false)) {
			alert ( "Please specify health rating requested." );
			str.healthratereq[0].focus();
			return false;
		}
	if ((document.getElementById('q1y').checked == false) && (document.getElementById('q1z').checked == false)) {
			alert ( "Please answer Question 1." );
			str.q1[0].focus();
			return false;
		}
	if ((document.getElementById('q2y').checked == false) && (document.getElementById('q2z').checked == false)) {
		alert("Please answer Question 2.");
		str.q2[0].focus();
		return false;
	}
	if ((document.getElementById('q3y').checked == false) && (document.getElementById('q3z').checked == false)) {
		alert("Please answer Question 3.");
		str.q3[0].focus();
		return false;
	}
	if ((document.getElementById('q4y').checked == false) && (document.getElementById('q4z').checked == false)) {
		alert("Please answer Question 4.");
		str.q4[0].focus();
		return false;
	}
	if ((document.getElementById('q5y').checked == false) && (document.getElementById('q5z').checked == false)) {
		alert("Please answer Question 5.");
		str.q5[0].focus();
		return false;
	}
	if ((document.getElementById('q6y').checked == false) && (document.getElementById('q6z').checked == false)) {
		alert("Please answer Question 6.");
		str.q6[0].focus();
		return false;
	}
	if ((document.getElementById('q7y').checked == false) && (document.getElementById('q7z').checked == false)) {
		alert("Please answer Question 7.");
		str.q7[0].focus();
		return false;
	}
	if ((document.getElementById('q8y').checked == false) && (document.getElementById('q8z').checked == false)) {
		alert("Please answer Question 8.");
		str.q8[0].focus();
		return false;
	}
	if ((document.getElementById('q9y').checked == false) && (document.getElementById('q9z').checked == false)) {
		alert("Please answer Question 9.");
		str.q9[0].focus();
		return false;
	}
	if ((document.getElementById('q10y').checked == false) && (document.getElementById('q10z').checked == false)) {
		alert("Please answer Question 10.");
		str.q10[0].focus();
		return false;
	}
	if ((document.getElementById('q11y').checked == false) && (document.getElementById('q11z').checked == false)) {
		alert("Please answer Question 11.");
		str.q11[0].focus();
		return false;
	}
	if (document.getElementById('q11y').checked == true) {
		if ((document.getElementById('q11ay').checked == false) && (document.getElementById('q11az').checked == false)) {
			alert("Please answer Question 11a.");
			str.q11a[0].focus();
			return false;
		}
		if ((document.getElementById('q11by').checked == false) && (document.getElementById('q11bz').checked == false)) {
			alert("Please answer Question 11b.");
			str.q11b[0].focus();
			return false;
		}
		if ((document.getElementById('q11cy').checked == false) && (document.getElementById('q11cz').checked == false)) {
			alert("Please answer Question 11c.");
			str.q11c[0].focus();
			return false;
		}

		if ((document.getElementById('q11dy').checked == false) && (document.getElementById('q11dz').checked == false)) {
			alert("Please answer Question 11d.");
			str.q11d[0].focus();
			return false;
		}
		if ((document.getElementById('q11ey').checked == false) && (document.getElementById('q11ez').checked == false)) {
			alert("Please answer Question 11e.");
			str.q11e[0].focus();
			return false;
		}
	}
	if ((document.getElementById('q12y').checked == false) && (document.getElementById('q12z').checked == false)) {
		alert("Please answer Question 12.");
		str.q12[0].focus();
		return false;
	}
	if (document.getElementById('q12y').checked == true) {
		if (str.q12a.value == "") {
			alert("Please provide family member's name.");
			str.q12a.focus();
			return false;
		}
		if (str.q12b.value == "") {
			alert("Please provide condition details.");
			str.q12b.focus();
			return false;
		}
		if ((str.q12c.value == "") && (str.q12d.value == "")) {
			alert("Please provide present age or age at death.");
			str.q12c.focus();
			return false;
		}
		if (str.q12c.value != "") {
			if (!IsNumeric(str.q12c.value)) { 
			  alert('Please enter only numbers in this field.') ;
			  str.q12c.focus();
			  str.q12c.select();
			  return false; 
			 }
		}
		if (str.q12d.value != "") {
			if (!IsNumeric(str.q12d.value)) { 
			  alert('Please enter only numbers in this field.') ;
			  str.q12d.focus();
			  str.q12d.select();
			  return false; 
			 }
		}
		if ((str.q12c.value != "") && (str.q12d.value != "")) {
			alert("Please provide only one age value");
			str.q12c.focus();
			str.q12c.select();
			return false;
		}
	}
	
	if (str.code.value == "") {
		alert("Please type the characters seen in the picture.");
		str.code.focus();
		return false;
	}
}



function togIns2 (it, box) {
 	var vis = (box.checked) ? "block" : "none";
	document.getElementById(it).style.display = vis;
}