function checkdata(){
	this.focusField = null;
	if(!document.getElementById("ESL_Disclosure").checked || !document.getElementById("Government_Disclosure").checked){
		alert("You must agree to both disclosures above to submit this form.");
		document.getElementById("ESL_Disclosure").focus();
		return false;
	}
	if(document.getElementById("lt_hel").checked){
		if(document.getElementById("loan_term")<4 || document.getElementById("loan_term")>20){
			alert("Please enter a Term for the Fixed Loan between 4 and 20 years.")
			document.getElementById("loan_term").focus();
			return false;
		}
	}
	if(document.getElementById("lt_loc").checked || document.getElementById("lt_hei").checked){
		document.getElementById("loan_term").value="";
	}
	if (document.getElementById("lt_hel").checked == true && document.getElementById("loan_term").value.length < 1) {
			alert ("Please answer: 'Fixed Rate Home Equity Loan Term (4 to 20 yrs)'");
			document.getElementById("loan_term").focus();
			return false;
	}
	if(!document.getElementById("amount_requested").value.match(/^[\d,]*$/) || document.getElementById("amount_requested").value==""){
		alert("You left the \"Total Amount Requested\" field blank or entered and invalid value (only a dollar amount is valid).");
		document.getElementById("amount_requested").focus();
		return false;
	}
	if(!document.getElementById("payoff_secured_y").checked && !document.getElementById("payoff_secured_n").checked){
		alert("Please indicate whether this loan will pay off an existing secured loan.");
		document.getElementById("payoff_secured_y").focus();
		return false;
	}
	if(document.getElementById("branch").selectedIndex==0){
		alert("Please select where you would like to sign legal documents.");
		document.getElementById("branch").focus();
		return false;
	}
	if(document.getElementById("lt_hel").checked && (document.getElementById("gcli_s").checked || document.getElementById("gcli_j").checked)){
		document.getElementById("gcli_s").checked=false;
		document.getElementById("gcli_j").checked=false;
		document.getElementById("gcli_n").checked=true;
	}
	if(document.getElementById("lt_hel").checked &&(document.getElementById("gdi_s").checked || document.getElementById("gdi_j").checked)){
		document.getElementById("gdi_s").checked=false;
		document.getElementById("gdi_j").checked=false;
		document.getElementById("gdi_n").checked=true;
	}
	if(document.getElementById("payment_option_auto").checked && (document.getElementById("auto_deduct_member_number").value=="" || document.getElementById("auto_deduct_account_number").value=="")){
		alert("You must enter member number and account number for automatic billing.");
		document.getElementById("auto_deduct_member_number").focus();
		return false;
	}
	if((document.getElementById("lt_loc").checked || document.getElementById("lt_hei").checked) && document.getElementById("due_date").value!=""){
		alert("Due Date is only available for Fixed Loan.");
		document.getElementById("due_date").value="";
		document.getElementById("payment_option_direct").checked=false;
		document.getElementById("payment_option_auto").checked=true;
		document.getElementById("auto_deduct_member_number").focus();
		return false;
	}
	if(!document.getElementById("app_joint_credit_y").checked && !document.getElementById("app_joint_credit_n").checked){
		alert("Please let us know if you intend to apply for joint credit.");
		document.getElementById("app_joint_credit_y").focus();
		return false;
	}
	if(document.getElementById("member_number").value==""){
		alert("Please enter your member number.");
		document.getElementById("member_number").focus();
		return false;
	}
	if(document.getElementById("first_name").value==""){
		alert("Please enter your first name.");
		document.getElementById("first_name").focus();
		return false;
	}
	if(document.getElementById("last_name").value==""){
		alert("Please enter your last name.");
		document.getElementById("last_name").focus();
		return false;
	}
	if(document.getElementById("birthdate").value==""){
		alert("Please enter your birth date.");
		document.getElementById("birthdate").focus();
		return false;
	}
	if(document.getElementById("SSN").value==""){
		alert("Please enter your Social Security Number.");
		document.getElementById("SSN").focus();
		return false;
	}
	if(document.getElementById("home_phone").value==""){
		alert("Please enter your home phone number.");
		document.getElementById("home_phone").focus();
		return false;
	}
	if(document.getElementById("address").value==""){
		alert("Please enter your street address.");
		document.getElementById("address").focus();
		return false;
	}
	if(document.getElementById("city").value==""){
		alert("Please enter your city.");
		document.getElementById("city").focus();
		return false;
	}
	if(document.getElementById("state").value==""){
		alert("Please enter your state.");
		document.getElementById("state").focus();
		return false;
	}
	if(document.getElementById("zip").value==""){
		alert("Please enter your zip code.");
		document.getElementById("zip").focus();
		return false;
	}
	if(document.getElementById("how_long_years").value=="" && document.getElementById("how_long_months").value==""){
		alert("Please enter the number of months or years you have been at your current residence.\nIf less than one year, put 0 in for years and enter the number of months.");
		document.getElementById("how_long_years").focus();
		return false;
	}
	if(document.getElementById("employer_name").value==""){
		alert("Please enter your employer's name.");
		document.getElementById("employer_name").focus();
		return false;
	}
	if(document.getElementById("occupation").value==""){
		alert("Please enter your occupation or title.");
		document.getElementById("occupation").focus();
		return false;
	}
	if(document.getElementById("business_phone").value==""){
		alert("Please enter your business phone number.");
		document.getElementById("business_phone").focus();
		return false;
	}
	if(document.getElementById("how_long_years_employer").value=="" && document.getElementById("how_long_months_employer").value==""){
		alert("Please enter the number of months or years you have been at your current employer.\nIf less than one year, put 0 in for years and enter the number of months.");
		document.getElementById("how_long_years_employer").focus();
		return false;
	}
	if(document.getElementById("gross_salary_amount").value==""){
		alert("Please enter your gross salary amount.");
		document.getElementById("gross_salary_amount").focus();
		return false;
	}
	if(!document.getElementById("previous_employer").value==""){
		if(document.getElementById("prev_emp_how_long_yrs").value=="" && document.getElementById("prev_emp_how_long_months").value==""){
			alert("Please enter the number of months or years you were at your previous employer.\nIf less than one year, put 0 in for years and enter the number of months.");
			document.getElementById("prev_emp_how_long_yrs").focus();
			return false;
		}
	}
	if(document.getElementById("app_joint_credit_y").checked && !document.getElementById("coapp_joint_credit_y").checked){
		alert("The joint applicant must agree to joint credit.") ;
		document.getElementById("coapp_joint_credit_y").focus();
		return false;
	}
	if(!document.getElementById("app_joint_credit_y").checked && document.getElementById("coapp_joint_credit_y").checked){
		alert("The applicant must agree to joint credit.") ;
		document.getElementById("app_joint_credit_y").focus();
		return false;
	}
	if(document.getElementById("coapp_joint_credit_y").checked && document.getElementById("joint_member_number").value==""){
		alert("Please enter the co-applicant's member number.") ;
		document.getElementById("joint_member_number").focus();
		return false;
	}
	if(document.getElementById("joint_member_number").value!=""){
		if(document.getElementById("joint_first_name").value==""){
			alert("Please enter the joint first name.");
			document.getElementById("joint_first_name").focus();
			return false;
		}
		if(document.getElementById("joint_last_name").value==""){
			alert("Please enter the joint last name.");
			document.getElementById("joint_last_name").focus();
			return false;
		}
		if(document.getElementById("joint_birthdate").value==""){
			alert("Please enter the joint birth date.");
			document.getElementById("joint_birthdate").focus();
			return false;
		}
		if(document.getElementById("joint_SSN").value==""){
			alert("Please enter the joint Social Security Number.");
			document.getElementById("joint_SSN").focus();
			return false;
		}
		if(document.getElementById("joint_home_phone").value==""){
			alert("Please enter the joint home phone number.");
			document.getElementById("joint_home_phone").focus();
			return false;
		}
		if(document.getElementById("joint_address").value==""){
			alert("Please enter the joint street address.");
			document.getElementById("joint_address").focus();
			return false;
		}
		if(document.getElementById("joint_city").value==""){
			alert("Please enter the joint city.");
			document.getElementById("joint_city").focus();
			return false;
		}
		if(document.getElementById("joint_state").value==""){
			alert("Please enter the joint state.");
			document.getElementById("joint_state").focus();
			return false;
		}
		if(document.getElementById("joint_zip").value==""){
			alert("Please enter the joint zip code.");
			document.getElementById("joint_zip").focus();
			return false;
		}
		if(document.getElementById("joint_how_long_years").value=="" && document.getElementById("joint_how_long_months").value==""){
			alert("Please enter the number of months or years the joint applicant has been at their current residence.\nIf less than one year, put 0 in for years and enter the number of months.");
			document.getElementById("joint_how_long_years").focus();
			return false;
		}
		if(document.getElementById("joint_employer_name").value==""){
			alert("Please enter the joint employer's name.");
			document.getElementById("joint_employer_name").focus();
			return false;
		}
		if(document.getElementById("joint_occupation").value==""){
			alert("Please enter the joint occupation or title.");
			document.getElementById("joint_occupation").focus();
			return false;
		}
		if(document.getElementById("joint_business_phone").value==""){
			alert("Please enter the joint business phone number.");
			document.getElementById("joint_business_phone").focus();
			return false;
		}
		if(document.getElementById("joint_how_long_employer_yrs").value=="" && document.getElementById("joint_how_long_months_employer_months").value==""){
			alert("Please enter the number of months or years the joint applicant has been at their current employer.\nIf less than one year, put 0 in for years and enter the number of months.");
			document.getElementById("joint_how_long_employer_yrs").focus();
			return false;
		}
		if(document.getElementById("joint_gross_salary_amount").value==""){
			alert("Please enter the joint gross salary amount.");
			document.getElementById("joint_gross_salary_amount").focus();
			return false;
		}
	}
	if(document.getElementById("property_address").value==""){
		alert("Please enter the property address.");
		document.getElementById("property_address").focus();
		return false;
	}
	if(document.getElementById("property_town").value==""){
		alert("Please enter the property town.");
		document.getElementById("property_town").focus();
		return false;
	}
	if(document.getElementById("property_county").value==""){
		alert("Please enter the property county.");
		document.getElementById("property_county").focus();
		return false;
	}
	if(document.getElementById("property_city").value==""){
		alert("Please enter the property city.");
		document.getElementById("property_city").focus();
		return false;
	}
	if(document.getElementById("property_state").value==""){
		alert("Please enter the property state.");
		document.getElementById("property_state").focus();
		return false;
	}
	if(document.getElementById("property_zip").value==""){
		alert("Please enter the property zip code.");
		document.getElementById("property_zip").focus();
		return false;
	}
	if(document.getElementById("property_value").value==""){
		alert("Please enter the property value.");
		document.getElementById("property_value").focus();
		return false;
	}
	if(!document.getElementById("app_do_not").checked){
		if(!(document.getElementById("app_ethnicity_latino").checked || document.getElementById("app_ethnicity_notlatino").checked)){
			alert("Applicant must either indicate that they do not wish to furnish government info. or select an ethnicity.");
			document.getElementById("app_do_not").focus();
			return false;
		}
		if(!(document.getElementById("app_race_AmericanIndian_AlaskanNative").checked || document.getElementById("app_race_Asian").checked || document.getElementById("app_race_Black_AfricanAmerican").checked || document.getElementById("app_race_NativeHawaiian_PacificIslander").checked || document.getElementById("app_race_White").checked)){
			alert("Applicant must either indicate that they do not wish to furnish government info. or select a race.");
			document.getElementById("app_do_not").focus();
			return false;
		}
		if(!(document.getElementById("app_sex_f").checked || document.getElementById("app_sex_m").checked)){
			alert("Applicant must either indicate that they do not wish to furnish government info. or select a sex.");
			document.getElementById("app_do_not").focus();
			return false;
		}
	}
	if(document.getElementById("joint_member_number").value!=""){
		if(!document.getElementById("co_app_do_not").checked){
			if(!(document.getElementById("co_ethnicity_latino").checked || document.getElementById("co_ethnicity_notlatino").checked)){
				alert("Co-Applicant must either indicate that they do not wish to furnish government info. or select an ethnicity.");
				document.getElementById("co_app_do_not").focus();
				return false;
			}
			if(!(document.getElementById("co_race_AmericanIndian_AlaskanNative").checked || document.getElementById("co_race_Asian").checked || document.getElementById("co_race_Black_AfricanAmerican").checked || document.getElementById("co_race_NativeHawaiian_PacificIslander").checked || document.getElementById("co_race_White").checked)){
				alert("Co-Applicant must either indicate that they do not wish to furnish government info. or select a race.");
				document.getElementById("co_app_do_not").focus();
				return false;
			}
			if(!(document.getElementById("co_app_sex_f").checked || document.getElementById("co_app_sex_m").checked)){
				alert("Co-Applicant must either indicate that they do not wish to furnish government info. or select a sex.");
				document.getElementById("co_app_do_not").focus();
				return false;
			}
		}
	}
	return true;
}