function merge_value(frmobj){
		
	if(frmobj.requested_amount.value==''){
		alert('Enter the Requested Amount');
		frmobj.requested_amount.focus();
		return false;
	}
	if(frmobj.first_name.value==''){
		alert('Enter the First name');
		frmobj.first_name.focus();
		return false;
	}
	if(frmobj.last_name.value==''){
		alert('Enter the Last name');
		frmobj.last_name.focus();
		return false;		
	}
	if(frmobj.month.value==''){
		alert('Enter the month');
		frmobj.month.focus();
		return false;
	}
	if(frmobj.day.value==''){
		alert('Enter the day');
		frmobj.day.focus();
		return false;
	}
	if(frmobj.year.value==''){
		alert('Enter the year');
		frmobj.year.focus();
		return false;
	}
	if(frmobj.street_addr1.value==''){
		alert('Enter the Street Address');
		frmobj.street_addr1.focus();
		return false;
	}
	if(frmobj.city.value==''){
		alert('Enter the City');
		frmobj.city.focus()
		return false;
	}
	if(frmobj.state.value==''){
		alert('Enter the State');
		frmobj.state.focus();
		return false;
	}
	if(frmobj.Zip.value==''){
		alert('Enter the Zip');
		frmobj.Zip.focus();
		return false;
	}
	if(frmobj.months_at_address.value==''){
		alert('Enter The Months At Address');
		frmobj.months_at_address.focus();
		return false;
	}
	
	if(frmobj.ph1.value==''){
		alert('Enter the Phone number');
		frmobj.ph1.focus();
		return false;
	}else{
  		uname=frmobj.ph1.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter Valid Phone no.");
			frmobj.ph1.focus();
			return (false);
		}
  	}
	if(frmobj.ph2.value==''){
		alert('Enter the Phone number');
		frmobj.ph2.focus();
		return false;
	}else{
  		uname=frmobj.ph2.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter Valid Phone no.");
			frmobj.ph2.focus();
			return (false);
		}
  	}
  	
	if(frmobj.ph3.value==''){
		alert('Enter the Phone number');
		frmobj.ph3.focus();
		return false;
	}else{
  		uname=frmobj.ph3.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter Valid Phone no.");
			frmobj.ph3.focus();
			return (false);
		}
  	}
  	
	if (frmobj.email.value == "")

	 {
		alert('Please enter Email Address .');
		frmobj.email.focus();
		return false;
	 }else
	 {
	  	email=frmobj.email.value;
  		if (email.search(/^\w+((-\w+)|(\.\w+))*\@[A-Za-z0-9]+((\.|-)[A-Za-z0-9]+)*\.[A-Za-z0-9]+$/) != -1)
		{

		}
		else{
			alert("Please enter Valid Email Address.");
			frmobj.email.focus();
			return false;
		}
	}
	
	if(frmobj.email.value != frmobj.email2.value){
		alert("Email and Verify Email is not same.");
		frmobj.email2.focus();
		return false;
	}
	
	if(frmobj.own_home.value ==''){
		alert('Are You a Home Owner');
		frmobj.own_home.focus();
		return false;
	}
	
	if(frmobj.drivers_license.value==''){
		alert('Enter the Driver\'s License/State ID');
		frmobj.drivers_license.focus()
		return false;
	}
	if(frmobj.drivers_license_st.value==''){
		alert('Enter the ID State');
		frmobj.drivers_license_st.focus();
		return false;
	}
	if(frmobj.social_security1.value==''){
		alert('Enter Your Social Security Number');
		frmobj.social_security1.focus();
		return false;
	}
	if(frmobj.social_security2.value==''){
		alert('Enter Your Social Security Number');
		frmobj.social_security2.focus();
		return false;
	}
	if(frmobj.social_security3.value==''){
		alert('Enter Your Social Security Number');
		frmobj.social_security3.focus();
		return false;
	}	
	
	if(frmobj.employer_name.value==''){
		alert('Enter Your Employers name');
		frmobj.employer_name.focus();
		return false;
	}
	if(frmobj.income_type.value==''){
		alert('Enter the Income Type');
		frmobj.income_type.focus();
		return false;
	}
	if(frmobj.months_employed.value==''){
		alert('Enter the Months Employed');
		frmobj.months_employed.focus();
		return false;
	}
	
	if(frmobj.emp_ph1.value==''){
		alert('Enter the Phone number');
		frmobj.emp_ph1.focus();
		return false;
	}else{
  		uname=frmobj.emp_ph1.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter Valid Phone no.");
			frmobj.emp_ph1.focus();
			return (false);
		}
  	}
	if(frmobj.emp_ph2.value==''){
		alert('Enter the Phone number');
		frmobj.emp_ph2.focus();
		return false;
	}else{
  		uname=frmobj.emp_ph2.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter Valid Phone no.");
			frmobj.emp_ph2.focus();
			return (false);
		}
  	}
  	
	if(frmobj.emp_ph3.value==''){
		alert('Enter the Phone number');
		frmobj.emp_ph3.focus();
		return false;
	}else{
  		uname=frmobj.emp_ph3.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter Valid Phone no.");
			frmobj.emp_ph3.focus();
			return (false);
		}
  	}
  	
  	uname=frmobj.phone_work_ext.value
	if (!uname.match(/^[0-9()+ -]*$/) )	
		{ 
		alert("Please enter Valid Ext Phone no.");
		frmobj.phone_work_ext.focus();
		return (false);
	}
	
	if(frmobj.pay_frequency.value==''){
		alert('Enter The How Often are you Paid');
		frmobj.pay_frequency.focus();
		return false;
	}
	if(document.getElementById("military").value==''){
		alert('Are you active military');
		document.getElementById("military").focus();
		return false;
	}
	
	var pattern = /\b(\d{2})\-(\d{2})\-(\d{4})\b/;
	var pay1 = frmobj.pay_day1.value;
	var pay2 = frmobj.pay_day2.value;
	
	if(frmobj.pay_day1.value==''){
		alert('Enter the Pay Date One');
		frmobj.pay_day1.focus();
		return false;
	}
	
	if (!pay1.match(pattern)){
	 alert('Enter The correct Pay Date One');
	 frmobj.pay_day1.focus();
	 return false;
	}

	var d = new Date();
	var today = d.format("mm-dd-yyyy");
	
	if(!CompareDates(pay1, today) )
	{
		alert("PayDate1 must be greated than todays date");
	 	frmobj.pay_day1.focus();
	 	return false;
	}

	
	if(frmobj.pay_day2.value==''){
		alert('Enter the Pay Date Two');
		frmobj.pay_day2.focus();
		return false;
	}
	
	

	
	if (!pay2.match(pattern)){
	 alert('Enter The correct Pay Date Two');
	 frmobj.pay_day2.focus();
	 return false;
	}
	if(!CompareDates(pay2, today) )
	{
		alert("PayDate2 must be greated than todays date");
	 	frmobj.pay_day2.focus();
	 	return false;
	}
	if(!CompareDates(pay2, pay1) )
	{
		alert("PayDate2 cannot be smaller than PayDate1");
	 	frmobj.pay_day2.focus();
	 	return false;
	}
	
	
	if(frmobj.direct_deposit.value==''){
		alert('How do you receive your paycheck?');
		frmobj.direct_deposit.focus();
		return false;
	}
	
	
	if(frmobj.pay_per_period.value==''){
		alert('Enter the Amount of Last Paycheck');
		frmobj.pay_per_period.focus();
		return false;
	}
	if(frmobj.bank_account_type.value==''){
		alert('Enter the Type of Account');
		frmobj.bank_account_type.focus();
		return false;
	}	
	if(frmobj.bank_name.value==''){
		alert('Enter the Name of Bank');
		frmobj.bank_name.focus();
		return false;
	}	
	if(frmobj.months_at_bank.value==''){
		alert('Enter the Months with Bank Account');
		frmobj.months_at_bank.focus();
		return false;
	}
	if(frmobj.bank_aba.value==''){
		alert('Enter the ABA/Routing Number');
		frmobj.bank_aba.focus();
		return false;
	}else
	{
		
		if(!ABAMod10(frmobj.bank_aba.value))
		{
			frmobj.bank_aba.focus();
			return false;
		}
	}
	
	if(frmobj.bank_account.value==''){
		alert('Enter the Account Number');
		frmobj.bank_account.focus();
		return false;
	}	
	if(frmobj.accepted_terms.checked == false){
		alert('Please check the terms and conditions box');
		frmobj.accepted_terms.focus();
		return false;
	}	
		
				
		frmobj.birth_date.value  = frmobj.month.value +'-'+ frmobj.day.value +'-'+ frmobj.year.value;
		
		frmobj.phone_home.value  = frmobj.ph1.value + frmobj.ph2.value + frmobj.ph3.value;
		
		frmobj.phone_cell.value = frmobj.alt_ph1.value + frmobj.alt_ph2.value + frmobj.alt_ph3.value; 
	
		frmobj.phone_work.value  = frmobj.emp_ph1.value + frmobj.emp_ph2.value + frmobj.emp_ph3.value;
	
		
		var ssValue = 	frmobj.social_security1.value + frmobj.social_security2.value + frmobj.social_security3.value;					
		if (!ssValue.match(/^[0-9_a-zA-Z ]*$/))
		{ 
			alert("Please Enter Valid Social_Security.\n Special characters are not allowed..");
			frmobj.social_security1.focus();
			return (false);
		}else{
			frmobj.social_security.value = 	frmobj.social_security1.value + frmobj.social_security2.value + frmobj.social_security3.value;
		}

		var fldVal = frmobj.pay_frequency.value;
		
		if(fldVal=='WEEKLY'){
			var fldPeriod = frmobj.pay_per_period.value
			var fldIncome_monthly	=	((fldPeriod * 52) / 12);
			frmobj.income_monthly.value = fldIncome_monthly;
			
		}
		else if(fldVal=='BIWEEKLY')
		{
			var fldPeriod = frmobj.pay_per_period.value
			var fldIncome_monthly	=	((fldPeriod * 26) / 12);
			frmobj.income_monthly.value = fldIncome_monthly;
			
		}
		else if(fldVal=='TWICEMONTH')
		{
			var fldPeriod = frmobj.pay_per_period.value
			var fldIncome_monthly	=	(fldPeriod * 2);
			frmobj.income_monthly.value = fldIncome_monthly;
			
		}
		else if(fldVal=='MONTHLY')
		{
			var fldPeriod = frmobj.pay_per_period.value
			frmobj.income_monthly.value = fldPeriod;
		}else{
			frmobj.income_monthly.value = '';
		}
	 return true;
}

function ABAMod10(Vaba) { //v2.0
  var valid = "0123456789";
  var len = Vaba.length;
  var bNum = true;
  var iABA = parseInt(Vaba);
  var sABA = Vaba.toString();
  var url = "abaDisplay2.asp?aba=" + sABA;
  var iTotal = 0;
  var bResult = false;
  var temp;

  //alert(aba);
  for (var j=0; j<len; j++) {
  temp = "" + Vaba.substring(j, j+1);
  if (valid.indexOf(temp) == "-1") bNum = false;
  }
  if(!bNum){alert("Not a Number");}
  if(len !=0) {  // incase they omit the number entirely.
    if(len != 9) {
      alert("This is not a proper ABA length");
    } else {
      for (var i=0; i<len; i += 3) {
        iTotal += parseInt(sABA.charAt(i),     10) * 3
          +  parseInt(sABA.charAt(i + 1), 10) * 7
          +  parseInt(sABA.charAt(i + 2), 10);
        }
    if (iTotal != 0 && iTotal % 10 == 0){
      bResult = true;
      // used for AJAX posting of data
      // get(this.parentNode);
    } else {
      alert("This is NOT a valid ABA Routing Number!");
      bResult = false;
    }
  }
  } else {
    // zero length do nothing
  }
  //  reset the frame detail.
  if (!bResult) {
    // used for AJAX posting of data
    //document.getElementById('myspan').innerHTML = "";
  } else {
    //alert("This COULD BE a valid ABA Routing Number!");
  }
  // end of not shown in page version of code
  return bResult;
}

function CompareDates(Fromdate,Todate) 
{ 
   var str1  = Fromdate;
   var str2  = Todate;
   var mon1  = parseInt(str1.substring(0,2),10); 
   var dt1   = parseInt(str1.substring(3,5),10);
   var yr1   = parseInt(str1.substring(6,10),10); 
   var mon2   = parseInt(str2.substring(0,2),10); 
   var dt2  = parseInt(str2.substring(3,5),10); 
   var yr2   = parseInt(str2.substring(6,10),10); 
   var date1 = new Date(yr1, mon1, dt1); 
   var date2 = new Date(yr2, mon2, dt2); 

   if(date2 >= date1)
   {
      
      return false; 
   }else
   		return true;
  
}