function validateForm(form) {
	var nameRegex = /^[a-zA-Z]+(([\'\,\.\- ][a-zA-Z ])?[a-zA-Z]*)*$/;
	var emailRegex = /^[\w-\.]+@([\w-]+\.)+[\w-]{2,4}$/;

// Personal Info
	if (form.firstname && form.firstname.value=="") {
		alert("Please enter your first name.");
		form.firstname.focus();
		return false;
	}
	if (form.lastname && form.lastname.value=="") {
		alert("Please enter your last name.");
		form.lastname.focus();
		return false;
	}
	if (form.email && form.email.value=="") {
		alert("Please enter your email address.");
		form.email.focus();
		return false;
	}
	if (form.email) {
		var email = form.email.value
		if (!email.match(emailRegex)) {
			alert("Please enter a valid email address.");
			form.email.focus();
			return false;
		}
	}
	if (form.phone && form.phone.value=="") {
		alert("Please enter your phone number.");
		form.phone.focus();
		return false;
	}
	if (form.phone) {
		var phoneNum = form.phone.value;
		phoneNum = phoneNum.replace(/\D/g,'')
		phoneNum = phoneNum.replace(/^1/,'');
		if (phoneNum.length != 10) {
 			alert("Please enter a valid phone number including the area code.");
			return false;
		}
	}

// Home Refinance
	if (form.cf_545 && form.cf_545.value=="") {
		alert("Please enter the amount you wish to refinance.");
		return false;
	} 
	if (form.cf_538 && form.cf_538.value=="") {
		alert("Please enter the estimated value of your home.");
		return false;
	} 
	if (form.cf_546 && form.cf_546.value=="") {
		alert("Please enter the balance of the first mortgage.");
		return false;
	}
	if (form.cf_547 && form.cf_547.value=="Please Select") {
		alert("Please enter your current mortgage rate.");
		return false;
	} 
	if (form.cf_548 && form.cf_548.value=="Please Select") {
		alert("Please enter the type of mortgage rate.");
		return false;
	} 

// Main Form
	if (form.code && form.code.value=="") {
		alert("Please enter your zipcode.");
		return false;
	} 
	if (form.code) {
		zipcode = form.code.value
		if (zipcode.length !== 5) {
			alert("Please enter a valid zip code.");
			return false;
		}
	} 
	if (form.cf_541 && form.cf_541.value=="Select") {
		alert("Please tell us how your credit is.");
		return false;
	}
	if (form.cf_542 && form.cf_542.value=="Select") {
		alert("Please enter the type of loan you're interested in.");
		return false;
	}

// Home Purchase
	if (form.cf_543 && form.cf_543.value=="") {
		alert("Please enter the purchase amount.");
		return false;
	}
	if (form.cf_544 && form.cf_544.length >0) {
		chosen = ""
		len = form.cf_544.length
		for (i=0; i<len; i++) {
			if (form.cf_544[i].checked) {
				chosen = form.cf_544[i].value
			}
		}
		if (chosen == "") {
			alert("Please enter where you are in the process.");
			return false;
		}
	}

// Borrower History
	if (form.cf_549 && form.cf_549.value=="") {
		alert("Please enter your annual household income.");
		return false;
	}
	if (form.cf_550 && form.cf_550.value=="Select") {
		alert("Please enter your employment status.");
		return false;
	}
	if (form.cf_540 && form.cf_540.value=="Select") {
		alert("Please enter what year you were born.");
		return false;
	}
	if (form.cf_552 && form.cf_552.length >0) {
		chosen = ""
		len = form.cf_552.length
		for (i=0; i<len; i++) {
			if (form.cf_552[i].checked) {
				chosen = form.cf_552[i].value
			}
		}
		if (chosen == "") {
			alert("Please enter if you have filed bankruptcy in the past 7 years.");
			return false;
		}
	}
	if (form.cf_553 && form.cf_553.length >0) {
		chosen = ""
		len = form.cf_553.length
		for (i=0; i<len; i++) {
			if (form.cf_553[i].checked) {
				chosen = form.cf_553[i].value
			}
		}
		if (chosen == "") {
			alert("Please enter if you have had any late mortgage payments.");
			return false;
		}
	}
	if (form.cf_554 && form.cf_554.length >0) {
		chosen = ""
		len = form.cf_554.length
		for (i=0; i<len; i++) {
			if (form.cf_554[i].checked) {
				chosen = form.cf_554[i].value
			}
		}
		if (chosen == "") {
			alert("Please enter if you have had any foreclosures.");
			return false;
		}
	}


	if (form.state && form.state=="SELECT") {
		alert("Please enter your state.");
		return false;
	}
	if (form.state && form.state !== "SELECT") {
		if (state=="AL" ||
				state=="CO" ||
				state=="CT" ||
				state=="HI" ||
				state=="KS" ||
				state=="WI") {
			alert("We're sorry, but we do not operate in " + state +".");
			return false;
		}
	}
	if (form.debt) {
		var debt=form.cf_543.value.replace("$",'');
		var debt=parseFloat(debt.replace(/,/g,''));
		if (debt=="Select") {
			alert("Please enter the amount of debt you owe.");
			return false;
		}
	}
return true;
}