function calcFinalExp()
                        {
                        p = document.needs.annIncA.value;
                        if(p<1 || p>99 || !p){ 
                          alert("We have estimated Final Expenses to be 30% of your annual income. \nYou can override this amount by entering a number from 1 to 99.");
                          document.needs.annIncA.value = "30";
                          document.needs.annIncA.focus();
                          return false();
                          }
                      
                        percent = p * .01;
                        finalExp = parseFloat(document.needs.incomeTot.value * percent);
                        document.needs.finExp.value = finalExp;
                        document.needs.finExpTot.value = finalExp;
                        addStep1();
                        
                        }
                        
function calcErFund()
                        {
                        p = document.needs.annIncB.value;
                        if(p<1 || p>99 || !p){ 
                          alert("We have estimated Emergency Fund needs to be 30% of your annual income. \nYou can override this amount by entering a number from 1 to 99.");
                          document.needs.annIncB.value = "30";
                          document.needs.annIncB.focus();
                          return false();
                          }
                      
                        percent = p * .01;
                        erNeeds = parseFloat(document.needs.incomeTot.value * percent);
                        document.needs.erFund.value = erNeeds;
                        document.needs.erFundTot.value = erNeeds;
                        addStep1();
                       
                        }
                        
function calcAnnDepdt()
                        {
                        p = document.needs.annIncF.value;
                        if(p<1 || p>99 || !p){ 
                          alert("We have estimated Annual Dependent and home care expense needs to be 10% of your total income. \nYou can override this amount by entering a number from 1 to 99.");
                          document.needs.annIncF.value = "10";
                          document.needs.annIncF.focus();
                          return false();
                          }
                      
                        percent = p * .01;
                        depNeeds = parseFloat(document.needs.incomeTot.value * percent);
                        document.needs.careExp.value = depNeeds;
                        addStep1();
                        
                        }
                                            
                        
                        
function calcIncome()
						{
							var income1 = document.needs.income1.value;
							var income2 = document.needs.income2.value;
							var incomeTot = 0;
							incomeTot = parseFloat(income1) + parseFloat(income2);
							document.needs.incomeTot.value = incomeTot;
                            calcFinalExp();
                            calcErFund();
                            calcAnnDepdt();
                           
                        }