function loanCheck(fGrossYearlyPay)
	{

		var crLevel = 0;
		var iMinLoanQualify = 0;
		var mortgageEstPayment = 0;
		var loansEstPayment = 0;
		var factorA = 0;
		var factorB = 0;	
		var halfIncome = 0;	
		q2 = 0;
		var maxLoanA = 0;
		var maxLoanB = 0;
		
		crLevel = setCreditLevel();
		
		iMinLoanQualify = setMinLoanQualification(); 
		
		mortgageEstPayment = setMortgagePayment(fGrossYearlyPay);

		loansEstPayment = setOtherLoansPayment(fGrossYearlyPay);
		
		factorA = setFactorA(crLevel);
		factorB = setFactorB(crLevel);
		
		halfIncome = setHalfIncome(fGrossYearlyPay);
		
		q2 = halfIncome - mortgageEstPayment - loansEstPayment;
		
		absMaxLoan = new Array
			absMaxLoan[0] = 45000
			absMaxLoan[1] = 35000
			absMaxLoan[2] = 25000
			absMaxLoan[3] = 25000
			absMaxLoan[4] = 20000;
			
		// MAX LOAN VALUE (eg - [54000 / 12] * 9 = $40,500 )
		// THIS IS THE MAX WE COULD OFFER BASED ON CREDIT RATING AND MONTHLY INCOME
		maxLoanA = setMaxLoanA(fGrossYearlyPay, factorA);
		
		// MAX LOAN VALUE (eq - [q2 * factorB] = [750 * .40] = $300)
		// THIS IS THE MAX THEY COULD BE ELGIBLE FOR BASED OFF THEIR CREDIT RATING, MONTHLY INCOME AND DEBTS
		maxLoanB = setMaxLoanB(factorB);
		
			
		if (maxLoanA < maxLoanB)	// IF THE (MAX WE COULD LET THEM BORROW) < (THEY MAX THEY COULD BE ELGIBLE FOR)
		{	
			minLoan = maxLoanA;		// WE WOULD OFFER THEM THE MAX WE COULD OFFER THEM
		}
		else 
		{
			minLoan = maxLoanB;		// ELSE WE WILL GIVE THEM THE MAX THEY WOULD BE ELGIBLE FOR
		}
		if (minLoan > absMaxLoan[crLevel]){
			minLoan = absMaxLoan[crLevel];
		}		

		if(minLoan > iMinLoanQualify)
		{
			//document.getElementById('divQualifyDisplay').innerHTML = '$' + minLoan + '.00';
			//document.getElementById('divQualifyDisplay').style.display = 'block';
			
			displayQualificationBanner(minLoan);
		} 
		else
		{
//			document.getElementById('netincome_qualify').innerHTML = '';
		}	
	}
	
	function setCreditLevel()
	{
		// BY DEFAULT, WE CHECK FOR THE hidDefaultCRLevel FIELD ON THE WEBPAGE TO SET THE fCRLevel (DEFAULT CREDIT RATING LEVEL)
		// IF AN ACCEPTABLE VALUE IS NOT PASSED, THEN WE WILL USE A DEFAULT CODE THAT WE HARD CODED IN, BUT CAN BE CHANGED ON THE FLY
		if(document.getElementById('hidDefaultCRLevel') && document.getElementById('hidDefaultCRLevel') >= 0 && document.getElementById('hidDefaultCRLevel') <= 4)
		{
			var fCRLevel = formInput.elements['hidDefaultCRLevel'].value;
		}
		else
		{
			// CREDIT LEVEL
			// 0 = GOOD CREDIT
			// 1 = FAIR CREDIT
			// 2 = SITUATIONAL BAD CREDIT
			// 3 = BAD CREDIT
			// 4 = VERY BAD CREDIT CREDIT			
			var fCRLevel = 1;
		}

		return fCRLevel;
	}
	
	function setMinLoanQualification()
	{
		var minQualification = 12000;
		return minQualification;
	}
	
	function setFactorA(crLevel)
	{
		formulaA = new Array
			formulaA[0] = 10
			formulaA[1] = 9
			formulaA[2] = 8
			formulaA[3] = 7
			formulaA[4] = 6
			
		return formula = formulaA[crLevel];
	}
	
	function setFactorB(crLevel)
	{
		formulaB = new Array
			formulaB[0] = 50
			formulaB[1] = 45
			formulaB[2] = 40
			formulaB[3] = 35
			formulaB[4] = 30
			
		return formula = formulaB[crLevel];
	}

	// SETS THE maxLoanA VARIABLE
	function setMaxLoanA(fGrossYearlyPay, factor)
	{
		var calc = ((fGrossYearlyPay / 12) * factor);
		return calc;
	}
	
	// SETS THE maxLoanB VARIABLE
	function setMaxLoanB(factor)
	{
		var calc = (q2 * factor);
		return calc;
	}
	
	function setHalfIncome(fGrossYearlyPay)
	{
		var calc = ((fGrossYearlyPay / 12) / 2);
		return calc;
	}
	
	function setMortgagePayment(fGrossYearlyPay)
	{
		// BY DEFAULT, WE CHECK FOR THE hidDefaultMRTPercent HIDDEN FIELD ON THE WEBPAGE TO SET THE fCRLevel (DEFAULT CREDIT RATING LEVEL)
		// IF AN ACCEPTABLE VALUE IS NOT PASSED, THEN WE WILL USE A DEFAULT CODE THAT WE HARD CODED IN, BUT CAN BE CHANGED ON THE FLY
		if(document.getElementById('hidDefaultMRTPercent') && document.getElementById('hidDefaultMRTPercent') >= 0.0 && document.getElementById('hidDefaultMRTPercent') < 1.0)
		{
			var fPercent = formInput.elements['hidDefaultMRTPercent'].value;
		}
		else
		{
			var fPercent = .20;
			
		}
		var calc = ((fGrossYearlyPay / 12) * fPercent);
		return calc;
	}
	
	function setOtherLoansPayment(fGrossYearlyPay)
	{
		// BY DEFAULT, WE CHECK FOR THE hidDefaultMRTPercent HIDDEN FIELD ON THE WEBPAGE TO SET THE fCRLevel (DEFAULT CREDIT RATING LEVEL)
		// IF AN ACCEPTABLE VALUE IS NOT PASSED, THEN WE WILL USE A DEFAULT CODE THAT WE HARD CODED IN, BUT CAN BE CHANGED ON THE FLY
		if(document.getElementById('hidDefaultOLPercent') && document.getElementById('hidDefaultOLPercent') >= 0.0 && document.getElementById('hidDefaultOLPercent') < 1.0)
		{
			var fPercent = formInput.elements['hidDefaultOLPercent'].value;
		}
		else
		{
			var fPercent = .05;
			
		}		
		
		
		var calc = ((fGrossYearlyPay / 12) * fPercent);
		return calc;
	}
	
	
	//////////////////////////////////////////////////////////////////////////////
	//////////////////////////////////////////////////////////////////////////////
	//////    QUALIFICATION BANNER    ////////////////////////////////////////////
	//////////////////////////////////////////////////////////////////////////////
	//////////////////////////////////////////////////////////////////////////////	
	
	function displayQualificationBanner(minLoanAmount)
	{
		var refsite;
		
		if(document.getElementById('bReset'))
		{
			var refsite = 'netincome_calc';
		}
		else
		{
			var refsite = 'paycheck_calc';
		}
		
		setElementStyle('netincome_qualify', 'visibility', 'visible');
		setElementStyle('netincome_qualify', 'display', 'block');
		document.getElementById('netincome_qualify').style.background = 'url(../images/netincome_qualify_bkrd.gif)';
		
		// displayContent('NAME OF OBJECT YOU WANT THE CONTENT TO APPEAR IN', 'CONTENT TO SHOW', TIME_IN_SECONDS_TO_DISPLAY);
		displayContent('swirldelay', '<div id=\"netincome_swirl\"><img src=\"../images/netincome_swirl.gif\"></div>', 3.3);
		displayContent('leadin_form', '<form class=\"form\" action=\"https://www.fundingway.com/ace/app_form_wide.php\" method=\"get\" name=\"zipselect\"><div class=\"zipbox\"><input name=\"zip\" type=\"text\" id=\"zip\" size=\"9\" maxlength=\"5\" class=\"zipinput\" /><input type=\"hidden\" id=\"loanAmount\" name=\"loanAmount\" value=\"\"> <input name=\"Submit\" type=\"submit\" value=\"\" class=\"form_button\"/></div><input type=\"hidden\" name=\"Country\" value=\"USA\" /><input name=\"app_refererurl\" type=\"hidden\" id=\"app_refererurl\" value=\"\" /><input type=\"hidden\" name=\"affid\" value=\"af0501\" /><input type=\"hidden\" name=\"app_link_id\" value=\"'+refsite+'\" /></form>', 3);

		minLoanAmount = numberToDecimal(minLoanAmount);
		populateTextBox('loanAmount', minLoanAmount);
		
	}	

	//////  END QUALIFICATION BANNER ////////////////////////////////////////////