function hdrToggle() {
	noheader = document.getElementById('joy_logo-btm').style.display;
	if(noheader != "none") {
		document.getElementById('joy_logo-btm').style.display = "none";
		document.getElementById('flower-top').style.display = "block";
		document.getElementById('headerpic-left').style.display = "block";
		document.getElementById('headerpic-right').style.display = "block";
		document.getElementById('hdr_btm-lft').style.display = "block";
		document.getElementById('hdr_btm-mid').style.display = "block";
		document.getElementById('hdr_btm-rt').style.display = "block";
	} else {
		document.getElementById('joy_logo-btm').style.display = "block";
		document.getElementById('flower-top').style.display = "none";
		document.getElementById('headerpic-left').style.display = "none";
		document.getElementById('headerpic-right').style.display = "none";
		document.getElementById('hdr_btm-lft').style.display = "none";
		document.getElementById('hdr_btm-mid').style.display = "none";
		document.getElementById('hdr_btm-rt').style.display = "none";
	}
}


function round100(num) {
	return Math.floor(num * Math.pow(10,2)) / Math.pow(10,2);
}

function calcMortgage() {
// INPUT VARIABLES //
	var durationYears = document.getElementById('durationYears').value;
	var interestRate = document.getElementById('interestRate').value;
	var loanAmount = document.getElementById('loanAmount').value;
	var annualTax = document.getElementById('annualTax').value;
	var annualInsurance = document.getElementById('annualInsurance').value;
	var priceOfHome = document.getElementById('priceOfHome').value;
// OUTPUT VARIABLES //
	var principalAndInterest = document.getElementById('principalAndInterest');

	var monthlyTax = document.getElementById('monthlyTax');
	var monthlyInsurance = document.getElementById('monthlyInsurance');
	var totalMonthlyPayment = document.getElementById('totalMonthlyPayment');
	var downPayment = document.getElementById('downPayment');
	var loanRatio = document.getElementById('loanRatio');
// CALCULATIONS //
	var monthlyInterest = interestRate / 1200;
	var base = 1;
	var monthlyBase = 1 + monthlyInterest;
	for (i=0; i<durationYears * 12; i++) {
		base = base * monthlyBase;
	}
// OUTPUT //
	principalAndInterest.innerHTML = "$" + round100(loanAmount * monthlyInterest / ( 1 - (1/base)));
	monthlyTax.innerHTML = "$" + round100(annualTax / 12);
	monthlyInsurance.innerHTML = "$" + round100(annualInsurance / 12);
	totalMonthlyPayment.innerHTML = "$" + round100(loanAmount * monthlyInterest / ( 1 - (1/base)) + annualTax / 12 + annualInsurance / 12);
	downPayment.innerHTML = "$" + round100(document.getElementById('priceOfHome').value - loanAmount);
	loanRatio.innerHTML = round100(loanAmount / priceOfHome * 100) + "%";
}