document.getElementById("calc5").innerHTML = '<table width="450" border="0" cellspacing="0"><tr align="center">'+
'<td bgcolor="#FCF5DA"><span class="style2"><strong>Prepayment Calculator</strong></span></td></tr><tr><td bgcolor="#FCF5DA"><span class="style2">' +
'Use this calculator to find out how much prepaying the mortgage balance will affect mortgage balance and total interest paid. ' +
'Do not use commas in the fields below.</span></td>' +
'</tr><tr><td bgcolor="#FCF5DA"><table width="100%" border="0"><tr><td bgcolor="#FCF5DA"><p><span class="style1">Loan Term:</span><br />' +
'<input name="term" type="text" class="textbox" id="term555" size="5" maxlength="5" /><span class="style1">months</span><br /></p></td>' +
'<td bgcolor="#FCF5DA"><span class="style1">Interest Rate:</span><br /><input name="rate" type="text" class="textbox" id="apr555" size="5" />' +
'<span class="style2">%</span></td><td bgcolor="#FCF5DA"><span class="style1">Loan Amount</span><br /><span class="style2">$</span>' +
'<input name="amount" type="text" class="textbox" id="amount555" size="10" maxlength="10" /></td>'+
'<td bgcolor="#FCF5DA"><span class="style1">Extra monthly payment</span><br /><span class="style2">$</span>' +
'<input name="prepay" type="text" class="textbox" id="prepay555" size="10" maxlength="10" /></td>  </tr></table></td></tr><tr>' +
'<td bgcolor="#FCF5DA"><div align="center"><button name="calculate" id="calculate" onClick="calcAmort555(document.getElementById(\'amount555\').value,document.getElementById(\'term555\').value,document.getElementById(\'apr555\').value,document.getElementById(\'prepay555\').value)">Generate Amortization Schedule</button></div></td></tr><tr>' +
'<td bgcolor="#FCF5DA"><textarea style="overflow-x:hidden" name="amortizationtable" cols="61" rows="16" wrap="off" id="amortizationtable555"></textarea></td></tr><tr><td class="style2" bgcolor="#FCF5DA"><strong>Total interest saved by prepaying: $<span id="totalsaved555"></span></strong></td></tr><tr><td class="style2" bgcolor="#FCF5DA"><strong>The Balance column shows the loan balance at the beginning of the month.  The Principal indicates the portion of the month\'s payment that goes towards reducing the loan amount.  The Interest column indicates the portion of the month\'s payment that is interest charges.  The Payment column shows the cumulative amount that has been paid on the mortgage, principal plus interest.  The Total Int column shows the cumulative amount of interest paid.</strong></td></tr><tr>' +
'<td align="center" bgcolor="#FCF5DA" colspan="2" class="style2"><a href="http://www.mortgagemagic.info/">Mortgage Marketing</a> and <a href="http://www.freemortgagenewsletters.com">Free Mortgage Newsletters available now</a>.</td></tr><tr><td bgcolor="#FCF5DA" class="style1">This information and&nbsp;calculator&nbsp;is a self-help tool for your independent use and&nbsp;is not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your&nbsp;personal situation.&nbsp;Please seek the help of a qualified mortgage specialist or&nbsp;other qualified professional&nbsp;regarding all personal finance issues.</td></tr></table>';

	function calcAmort555(a,n,p,e) {
		var i=0;
		var extra = e;
		var sATline="";
		var oAmortizationTable=document.getElementById("amortizationtable555");
		var sCR=String.fromCharCode(13);
		var sTab=String.fromCharCode(27);

		/* Calculate amortization and write table to text area **/
		var payment = getPayment555(a,n,p);
		oAmortizationTable.value = sCR + "Monthly Payment = $" + (Math.round(payment*100)/100) + sCR + sCR;
		oAmortizationTable.value += "Mo. Balance  Principal Interest Payment   Int Svd  Total Int" + sCR;
		var balance = a;
		var balance2 = a;
		var interest = 0.0;
		var interest2= 0.0;
		var principal = 0.0;
		var principal2 = 0.0;
		var totalinterest = 0.0;
		var interestsaved = 0.0;
		for (i=1;i<=n;i++) {
			interest = balance*p/1200;
			interest2 = balance2*p/1200;
			totalinterest += interest;
			if (0<balance) { interestsaved += interest2-interest; }
			else {interestsaved += interest2};
			principal = payment-interest;
			principal2 = payment-interest2;
			balance -= principal;
			balance2 -= principal2;
			balance -= extra; //added
			if (0<balance) {
			sATline = i.toString()+getSpaces555(4-i.toString().length);
			sATline += Math.round(balance*100)/100;
			sATline += getSpaces555(14-sATline.length); //18
			sATline += (Math.round(principal*100)/100);
			sATline += getSpaces555(23-sATline.length); //29
			sATline += (Math.round(interest*100)/100);
			sATline += getSpaces555(32-sATline.length); //39
			sATline += (Math.round(i*payment*100)/100);
			sATline += getSpaces555(42-sATline.length); //50
			sATline += (Math.round(interestsaved*100)/100); //added
			sATline += getSpaces555(52-sATline.length);
			sATline += (Math.round(totalinterest*100)/100) + sCR;
			oAmortizationTable.value += sATline;
			}
		}
		document.getElementById("totalsaved555").innerHTML = (Math.round(interestsaved*100)/100);
	}

	function getSpaces555(n) {
		var i=0; 
		var sSpaces="";
		for (i=0;i<n;i++) {sSpaces += " ";}
		return sSpaces;
	}

	function getPayment555(a,n,p) {
		/* Calculates the monthly payment from annual percentage
		   rate, term of loan in months and loan amount. **/
		var acc=0;
		var base = 1 + p/1200;
		for (i=1;i<=n;i++) 
			{ acc += Math.pow(base,-i); }
		return a/acc;
	}