function findPmi0(formName)
      {var mpmt=0
       mpmt=formName.income.value/12
       mpmt1=mpmt*0.28
       mpmt2=mpmt*0.36-formName.debt.value
       
       
       var yrate=formName.rate.value
       mrate=yrate/1200
       
       var length=formName.period.value

       var sum1=1+mrate
       var sum2=Math.pow(sum1,length)    
       var sum3=sum2-1
       var factor=sum3/(mrate*sum2)      
       var downpay=parseFloat(formName.downpayment.value)
       var b=7/7200
       var a=b
       var c=250/12
       
       amt1=(factor*(mpmt1-downpay*b-c))/(1+factor*a)
       amt2=(factor*(mpmt2-downpay*b-c))/(1+factor*a)       
       newamt=Math.min(amt1,amt2)
       newamt=newamt+downpay  
       if (newamt<0)
            {newamt=0}       
       newamt=Math.round(newamt)
       formName.amount.value=newamt
      }