function calculate() {

var loanBalance = document.refinance_loan.loan_balance.value;
var  currentRate = document.refinance_loan.current_rate.value;
var currentPayment = document.refinance_loan.current_payment.value;
var yearsOwn = document.refinance_loan.years_own.value;

var refinanceRate = document.refinance_loan.refinance_rate.value  / 100 / "12";
var numberPayments = document.refinance_loan.number_payments.value;

// Compute the refinance monthly payment
    var x = Math.pow(1 + refinanceRate, numberPayments);
    var refinancePayment = (loanBalance * x * refinanceRate)/(x-1);

var closingCost = document.refinance_loan.closing_cost.value;
var miscellaenousCost = document.refinance_loan.miscellaenous_cost.value;
var discountPercent = document.refinance_loan.discount_percent.value  / 100;


document.refinance_loan.refinance_payment.value = decimal(refinancePayment);

var discountAmount = parseFloat(loanBalance) * parseFloat(discountPercent);
document.refinance_loan.discount_amount.value = decimal(discountAmount);

var refinanceCost = parseFloat(closingCost) + parseFloat(miscellaenousCost)
+ parseFloat(discountAmount);
document.refinance_loan.refinance_cost.value = decimal(refinanceCost);

var paymentDifference = parseFloat(currentPayment) - parseFloat(refinancePayment);
document.refinance_loan.payment_difference.value = decimal(paymentDifference);

var refinanceMonths = parseFloat(refinanceCost) / parseFloat(paymentDifference);
document.refinance_loan.refinance_months.value = decimal(refinanceMonths);

var refinanceYears = parseFloat(refinanceMonths) / 12;
document.refinance_loan.refinance_years.value = decimal(refinanceYears);

var refinanceSavings = (parseFloat(paymentDifference)* parseInt(yearsOwn * 12)) - parseFloat(refinanceCost);
document.refinance_loan.refinance_savings.value = decimal(refinanceSavings);

}