function fix_zero_values( x ) {
		if ( x == "" )
			return 0;
		else
			return parseInt( x );
	}
	
	function set_index( a, b, c, d ) {
	  
		var char_1 = "0";
		var char_2 = "0";
		var char_3 = "0";
		var char_4 = "0";
		var char_ret;
	
		if( a ) 
			char_1 = "1";
	
	  if( b )
			char_2 = "1";
	
	  if( c )
			char_3 = "1";
	 
		if ( d ) 
			char_4 = "1";
	
	  char_ret = char_1 + char_2 + char_3 + char_4;
	  return parseInt( char_1 + char_2 + char_3 + char_4, 2 );
	}
	
	//Chevy Chase Account Wizard
        //This function determines the appropriate account type for a user 
        //depending on their responses to a series of questions. 
        //The questions are:
        //
        // balance:	   How much do you plan to maintain in your banking accounts on average each month? 
        // loans:	   What loan balances are you including?
        // student: 	   Are you currently, or soon plan to be, a college student?
        // electronic:	   Do you plan to do all of your banking electronically (ATM, Online, Telephone), without the assistance of a bank branch representative?
        // interest:	   Are you willing to keep $1,000 or more in your checking account in order to earn interest and avoid monthly fees?
        // no_minimum:	   Is it very important to you to have no minimum balance requirements?
        // direct_deposit: Do you plan to have direct deposit (for example, your paycheck automatically deposited) to your account?
        //The possible account types are :
        //	1.	Premium Relationship Checking (PLT)
        //	2.	Standard Relationship Checking (SLV)
        //	3.	Interest Checking (interest)
        //	4.	Student Banking Package (STD)
        //  5.  Preferred 50 Checing (P50)
        //	6.	Automated Checking (AUT)
        //	7.	No-Minimum Checking (NM)
        //  8.  Free Direct Deposit Checking (DDC)  
        //The possible static pages are:
        //	 1.plt
        //	 2.plt_nm
        //	 3.plt_slv
        //	 4.slv
        //	 5.slv_aut
        //	 6.slv_int
        //	 7.slv_nm
        //	 8.slv_plt
        //	 9.slv_std
        //	10.int_aut
        //	11.int_ddc
        //	12.int_nm
        //	13.int_std
        //	14.std_aut
        //	15.std_ddc
        //	16.std_int
        //	17.std_nm
        //	18.std_p50
        //	19.p50
        //	20.p50_aut
        //	21.p50_ddc
        //	22.p50_int
        //	23.p50_nm
        //	24.p50_std
        //  25.aut_ddc
        //  26.aut_nm
        //	27.nm
        //	28.nm_aut
        //	29.nm_int
        //	30.nm_p50
        //	31.ddc_aut
        //	32.ddc_int
        //	33.ddc_nm

        function determineAccount()
        {
          var thisForm = document.questionForm;
	        var combinedBalance;
	        var depositsBalance;
	        var checking;
	        var savings;
	        var CDs;
	        var CCFS;
	        var personal_ln;
	        var auto_boat_rv;
	        var home_equity;
	        var mortgage;

        // tier1: platinum

          var tier1_pages = [ "results/plt.html", "results/plt.html", "results/plt.html", "results/plt.html", "results/plt_slv.html", "results/plt_slv.html", "results/plt.html", "results/plt.html", "results/plt_nm.html", "results/plt_nm.html", "results/plt_slv.html", "results/plt_slv.html", "results/plt_slv.html", "results/plt_nm.html", "results/plt_slv.html", "results/plt_slv.html" ];

        // tier2: silver

          var tier2_pages = [ "results/slv.html", "results/slv_nm.html", "results/slv_int.html", "results/slv_int.html", "results/slv_aut.html", "results/slv_nm.html", "results/slv_int.html", "results/slv_int.html", "results/slv_std.html", "results/slv_std.html", "results/slv_plt.html", "results/slv_plt.html", "results/slv_std.html", "results/slv_std.html", "results/slv_std.html", "results/slv_std.html" ];

        // tier3a: over 50 age; > 750 checking

          var tier3a_pages = [ "results/p50_int.html", "results/nm_p50.html", "results/p50_int.html", "results/p50_int.html", "results/aut_nm.html", "results/aut_ddc.html", "results/p50_aut.html", "results/p50_aut.html", "results/std_p50.html", "results/std_ddc.html", "results/p50_std.html", "results/p50_std.html", "results/std_aut.html", "results/std_aut.html", "results/p50_std.html", "results/p50_std.html" ];

        // tier3b: under 50 age; > 750 checking

          var tier3b_pages = [ "results/int_nm.html", "results/nm_aut.html", "results/int.html", "results/nm_int.html", "results/aut_nm.html", "results/aut_ddc.html", "results/int_aut.html", "results/int_aut.html", "results/std_nm.html", "results/std_ddc.html", "results/int_std.html", "results/int.html", "results/std_aut.html", "results/std_aut.html", "results/int_std.html", "results/int_std.html" ];

        // tier4a: over 50 age; < 750 checking; direct deposit

          var tier4a_pages = [ "results/p50.html", "results/p50_nm.html", "results/p50_nm.html", "results/nm_int.html", "results/ddc_nm.html", "results/aut_ddc.html", "results/p50_ddc.html", "results/p50_ddc.html", "results/std_p50.html", "results/std_p50.html", "results/std_p50.html", "results/std_p50.html", "results/ddc_aut.html", "results/ddc_aut.html", "results/std_p50.html", "results/p50_ddc.html" ];

        // tier4b: under 50 age; < 750 checking; direct deposit

          var tier4b_pages = [ "results/nm.html", "results/nm.html", "results/nm_int.html", "results/nm_int.html", "results/ddc_nm.html", "results/aut_ddc.html", "results/int_ddc.html", "results/int_ddc.html", "results/std_nm.html", "results/std_ddc.html", "results/std_int.html", "results/std_int.html", "results/ddc_aut.html", "results/ddc_aut.html", "results/std_int.html", "results/ddc_int.html" ];

        // tier5a: over 50 age; < 750 checking; no direct deposit

          var tier5a_pages = [ "results/p50_nm.html", "results/p50_nm.html", "results/p50_int.html", "results/p50_nm.html", "results/aut_nm.html", "results/aut_nm.html", "results/p50_nm.html", "results/p50_aut.html", "results/std_p50.html", "results/std_p50.html", "results/std_p50.html", "results/std_p50.html", "results/p50_nm.html", "results/p50_nm.html", "results/std_p50.html", "results/p50_nm.html" ];

        // tier5b: under 50 age; < 750 checking; no direct deposit

          var tier5b_pages = [ "results/nm.html", "results/nm.html", "results/nm_int.html", "results/nm_int.html", "results/aut_nm.html", "results/aut_nm.html", "results/int_aut.html", "results/int_aut.html", "results/std_nm.html", "results/std_ddc.html", "results/std_int.html", "results/std_int.html", "results/nm_aut.html", "results/nm_aut.html", "results/std_int.html", "results/nm_int.html" ];

	        var v_index;

	        //check that at least one balance value is entered

	        if ( thisForm.checking.value == "" 
		        && thisForm.savings.value  == "" 
		        && thisForm.CDs.value      == "" 
		        && thisForm.CCFS.value     == "" )
		        {
			        alert ("Account Balance Information is Required to Run the Account Selector. Please Enter a Value for Question 1.");
			        thisForm.checking.focus();
			        return false;
		        }

	        //check that numbers are entered for account balances

           else if ( isNaN( thisForm.checking.value ) 
					        || isNaN( thisForm.savings.value ) 
					        || isNaN( thisForm.CDs.value ) 
					        || isNaN( thisForm.CCFS.value ))
		        {
			        alert ("Enter Numeric Values Only for Account Balance Information (No Commas, Dollar Signs, etc).");
			        thisForm.checking.focus();
			        return false;
		        }

	        //check that numbers are entered for loan balances

           else if ( isNaN( thisForm.personal_ln.value ) 
					        || isNaN( thisForm.auto_boat_rv.value ) 
					        || isNaN( thisForm.home_equity.value ) 
					        || isNaN( thisForm.mortgage.value ))
		        {
			        alert ("Enter Numeric Values Only for Loan Balance Information (No Commas, Dollar Signs, etc).");
			        thisForm.personal_ln.focus();
			        return false;
		        }


 	        //convert balances to numeric values

	        checking     = fix_zero_values( thisForm.checking.value );
	        savings      = fix_zero_values( thisForm.savings.value );
          	CDs          = fix_zero_values( thisForm.CDs.value );
	        CCFS         = fix_zero_values( thisForm.CCFS.value );
	        personal_ln  = fix_zero_values( thisForm.personal_ln.value );
	        auto_boat_rv = fix_zero_values( thisForm.auto_boat_rv.value );
	        home_equity  = fix_zero_values( thisForm.home_equity.value );
	        mortgage     = fix_zero_values( thisForm.mortgage.value );

		//total balance of Loans & deposit accounts
	        combinedBalance = checking + savings + CDs + personal_ln + auto_boat_rv + home_equity + mortgage;

	        //total balance
	        depositsBalance = checking + savings + CDs;

		//alert("combined bal="+combinedBalance);

	        // determine which boxes have been checked

		        var student        = false;
		        var over50         = false;
		        var electronic     = false;
		        var interest       = false;
		        var no_minimum     = false;
		        var direct_deposit = false;

		        if (thisForm.student[1].checked)
			        student = true;

		        if (thisForm.over50[1].checked)
			        over50 = true;
        			
		        if (thisForm.interest[1].checked)
			        interest = true;
        			
		        if (thisForm.no_minimum[1].checked)
			        no_minimum = true;

		        if (thisForm.direct_deposit[1].checked)
			        direct_deposit = true;

		        // convert 4 logicals into integer

            
            v_index = set_index( student, interest, no_minimum );
        	
	        if ( combinedBalance >= 15000 && depositsBalance >= 10000 ) 
		        location.href = tier1_pages[ v_index ];		// Platinum Relationship Accounts
	        else if ( combinedBalance >= 10000 && depositsBalance >= 5000 )
		        location.href = tier2_pages[ v_index ];		// Silver Relationship Accounts
	        else if ( over50 )
	        {
	          if ( checking >= 750 )
			        location.href = tier3a_pages[ v_index ];	
		        else if ( direct_deposit )
		          location.href = tier4a_pages[ v_index ];
		        else 
		          location.href = tier5a_pages[ v_index ];
	        }
	        else // not over 50
	        {
	          if ( checking >= 750 )
			        location.href = tier3b_pages[ v_index ];
		        else if ( direct_deposit )
		          location.href = tier4b_pages[ v_index ];
		        else
		          location.href = tier5b_pages[ v_index ];
	        }

            return false;
        }