function checkform (form)
{
	
	if (form.first_name.value == "") {
    alert( "Please fill out First name" );
    form.first_name.focus();
    return false ;
	}
	else if (form.last_name.value == "") {
    alert( "Please fill out Last name" );
    form.last_name.focus();
    return false ;
	}
		else if( !(checkHomePhone (form))){
			return false;
		}
		else if( !(checkCellPhone (form))){
			return false;
		}
	
		else if (form.email.value == "") {
    alert( "Please fill out Email" );
    form.email.focus();
    return false ;
	}
		else if (!(form.email.value.search(/^\w+((-\w+)|(\.\w+))*\@[A-Za-z0-9]+((\.|-)[A-Za-z0-9]+)*\.[A-Za-z0-9]+$/) != -1)) {
	alert( "Please Enter Valid Email" );
	form.email.focus();
	return false;
		}
		else if (form.monthly_income.value == "") {
    alert( "Please fill out Monthly Income" );
    form.monthly_income.focus();
    return false ;
	}	
		else if (form.contact_time.value == "") {
    alert( "Please select contact time" );
    form.contact_time.focus();
    return false ;
	}	

		
		else if (form.address.value == "") {
    alert( "Please fill out Address" );
    form.address.focus();
    return false ;
	}
		else if (form.city.value == "") {
    alert( "Please fill out City" );
    form.city.focus();
    return false ;
	}
		else if (form.state_id.value == "") {
    alert( "Please select any state" );
    form.state_id.focus();
    return false ;
	}	
	
		else if (form.state_id.value == "") {
    alert( "Please fill out State" );
    form.state.focus();
    return false ;
	}
		else if (form.zip.value == "") {
    alert( "Please fill out Zip" );
    form.zip.focus();
    return false ;
	}

		else if (form.rent_own.value == "Select") {
    alert( "Please fill out Rent or Own" );
    form.rent_own.focus();
    return false ;
	}
		else if (form.current_payment_status == "Select") {
    alert( "Please select any any current payment status" );
    form.current_payment_status.focus();
    return false ;
	}	
		
/*********/
		else if (form.debt_amount.value == "Select") {
    alert( "Please select any debt amount" );
    form.debt_amount.focus();
    return false ;
	}	


/*********/
/************/
/************/



	
	return true;
}




  function checkHomePhone (form)
{
	if (form.home_phone.value == "") {

    alert( "Please fill out Phone No" );
    form.home_phone.focus();
    return false ;
	}


	if (form.home_phone.value.match(/^\d{3}-\d{3}-\d{4}$/)) {
	    return true ;
	}
	else {
		    alert( "Please fill out Phone No as ( 222-333-4444) " );
		    form.home_phone.focus();
			return false;
	}
	return true;
}

  function checkCellPhone (form)
{
	if (form.cell_phone.value == "") {

    alert( "Please fill out Alternate Phone No" );
    form.cell_phone.focus();
    return false ;
	}


	if (form.cell_phone.value.match(/^\d{3}-\d{3}-\d{4}$/)) {
	    return true ;
	}
	else {
		    alert( "Please fill out Alternate Phone No as ( 222-333-4444) " );
		    form.cell_phone.focus();
			return false;
	}
	return true;
}