function refi_check(frm) {
  if (frm.PRODUCT.value == "PP_NEWHOME") { 
	  ans = confirm("Do you own an existing home? Refinance and home equity " +
		              "rates are at record lows!  Real estate is a great investment.  Consider " +
                  "getting a quote to refinance or take a home equity line from your current " +
                  "home to purchase your new home or investment property. Click ok to refinance " +
									"on your existing home.");
    if (ans) { setFormFieldValue(frm.PRODUCT, "PP_REFI"); }
	}
}

function validate_s1(form) {
	if (!validateSelectbox(form.PROP_ST, "Please select the Property State.")) return false;
	if (!validateSelectbox(form.PROP_DESC, "Please select the Property Type.")) return false;
	if (!validateSelectbox(form.CRED_GRADE, "Please select the Credit Type.")) return false;
	if (!validateSelectbox(form.PRODUCT, "Please select the Loan Type.")) return false;
	return true;
}