function FRMmtgIns(LnNbr)
{
// can Return be used to return value to calling routine?

var loanterm;
var dwnpmt;
var mtgIns;

dwnpmt = document.forms[0].DwnPmt1.value;

if (LnNbr == 1) {
 loanterm = document.forms[0].Loanterm1.value;
 }
 
if (LnNbr == 2) {
 loanterm = document.forms[0].Loanterm2.value;
 }

	if (dwnpmt >= 20.0){
				mtgIns = 0;
				}
				
	if ((loanterm == 50) || (loanterm == 40) || (loanterm == 30))
	{
		if ((dwnpmt >= 0) && (dwnpmt < 5.0)) {
			
				mtgIns = .96;
				}
		if ((dwnpmt >= 5.0) && (dwnpmt < 10.0)) {
				mtgIns = .78;
				}
		if ((dwnpmt >= 10.0) && (dwnpmt < 15.0)) {
				mtgIns = .52;
				}
		if ((dwnpmt >= 15.0) && (dwnpmt < 20.0)) {
				mtgIns = .32;
				}
	}
	
	if (loanterm == 25){
		if ((dwnpmt >= 0) && (dwnpmt < 5.0)) {
				mtgIns = .85;
				}
		if ((dwnpmt >= 5.0) && (dwnpmt < 10.0)) {
				mtgIns = .67;
				}
		if ((dwnpmt >= 10.0) && (dwnpmt < 15.0)) {
				mtgIns = .41;
				}
		if ((dwnpmt >= 15.0) && (dwnpmt < 20.0)) {
				mtgIns = .21;
				}
	}

	if (loanterm == 20) {
		if ((dwnpmt >= 0) && (dwnpmt < 5.0)) {
				mtgIns = .80;
				}
		if ((dwnpmt >= 5.0) && (dwnpmt < 10.0)) {
				mtgIns = .56;
				}
		if ((dwnpmt >= 10.0) && (dwnpmt < 15.0)) {
				mtgIns = .23;
				}
		if ((dwnpmt >= 15.0) && (dwnpmt < 20.0)) {
				mtgIns = .19;
				}
	}
	
	if (loanterm == 15) {
		if ((dwnpmt >= 0) && (dwnpmt < 5.0)) {
				mtgIns = .80;
				}
		if ((dwnpmt >= 5.0) && (dwnpmt < 10.0)) {
				mtgIns = .56;
				}
		if ((dwnpmt >= 10.0) && (dwnpmt < 15.0)) {
				mtgIns = .23;
				}
		if ((dwnpmt >= 15.0) && (dwnpmt < 20.0)) {
				mtgIns = .19;
				}
	}
	
if (LnNbr == 1) {
 document.forms[0].mtgInsPmt1.value = mtgIns;
 }
 
if (LnNbr == 2) {
 document.forms[0].mtgInsPmt2.value = mtgIns;
 }
	
}