<!--hide it

function Calculateb() {
  var ann_need = 0;
  var ann_incr = 0;
  var ann_ret = 0; 
  var period = 0;

  var lump_sum = 0;
  var pres_value = 0;
  var cap_need = 0;
  var assets = 0;
  var ins_need = 0;
  var r = 0;
  var k = 0;
  var tmp = 0;
  
  ann_need = parseFloat(document.lifecalc.ann_need_b.value);
  ann_incr = parseFloat(document.lifecalc.ann_incr_b.value) / 100;
  ann_ret = parseFloat(document.lifecalc.ann_ret_b.value) / 100;
  period = parseInt(document.lifecalc.period_b.value);

  lump_sum += parseFloat(document.lifecalc.emergency_b.value);
  lump_sum += parseFloat(document.lifecalc.mortgage_b.value);
  lump_sum += parseFloat(document.lifecalc.debts_b.value);
  lump_sum += parseFloat(document.lifecalc.final_expenses_b.value);
  lump_sum += parseFloat(document.lifecalc.education_b.value);
  lump_sum += parseFloat(document.lifecalc.charity_b.value);
  lump_sum += parseFloat(document.lifecalc.other_expenses_b.value);

  r = (1 + ann_incr) / (1 + ann_ret+.000000001);
  k = (1 + ann_ret);

  pres_value += ann_need;

    pres_value = pres_value * ( (1 - Math.pow(r, period)) / (1 - r) );

  cap_need = lump_sum + pres_value;
  assets += parseFloat(document.lifecalc.asset1_b.value);
  assets += parseFloat(document.lifecalc.asset2_b.value);
  ins_need = cap_need - assets;
  if (ins_need < 0) {
     ins_need = 0;
  }

  //round to nearest dollar
  lump_sum = Math.ceil(lump_sum);
  pres_value = Math.ceil(pres_value);
  cap_need = Math.ceil(cap_need);
  assets = Math.ceil(assets);
  ins_need = Math.ceil(ins_need);

  //display results
  
  document.getElementById("MP1b").innerHTML = "$"+ Format(lump_sum);
  document.getElementById("MP2b").innerHTML = "$"+ Format(pres_value);
  document.getElementById("MP3b").innerHTML = "$"+ Format(cap_need);
  document.getElementById("MP4b").innerHTML = "$"+ Format(assets);
  document.getElementById("MP5b").innerHTML = "<b>$"+ Format(ins_need) + "</b>";

}


//-->