function app_Validator(theForm)
{

  if (theForm.Applicant_LastName.value == "")
  {
    alert("Please enter a value for the \"Last-Name\" field.");
    theForm.Applicant_LastName.focus();
    return (false);
  }

  if (theForm.Applicant_FirstName.value == "")
  {
    alert("Please enter a value for the \"First-Name\" field.");
    theForm.Applicant_FirstName.focus();
    return (false);
  }

  if (theForm.Applicant_DateofBirth.value == "")
  {
    alert("Please enter a value for the \"Birthdate\" field.");
    theForm.Applicant_DateofBirth.focus();
    return (false);
  }

  if (theForm.Applicant_Address.value == "")
  {
    alert("Please enter a value for the \"Address\" field.");
    theForm.Applicant_Address.focus();
    return (false);
  }

  if (theForm.Applicant_City.value == "")
  {
    alert("Please enter a value for the \"City\" field.");
    theForm.Applicant_City.focus();
    return (false);
  }

  if (theForm.Applicant_State.value == "")
  {
    alert("Please enter a value for the \"State/Prov.\" field.");
    theForm.Applicant_State.focus();
    return (false);
  }

  if (theForm.Applicant_PCode.value == "")
  {
    alert("Please enter a value for the \"Zip Code\" field.");
    theForm.Applicant_PCode.focus();
    return (false);
  }

  if (theForm.Applicant_Country.value == "")
  {
    alert("Please enter a value for the \"Country\" field.");
    theForm.Applicant_Country.focus();
    return (false);
  }

  if (theForm.Applicant_Years_at_address.value == "")
  {
    alert("Please enter a value for the \"Years at current address\" field.");
    theForm.Applicant_Years_at_address.focus();
    return (false);
  }

  if (theForm.Applicant_Years_at_address.value.length > 3)
  {
    alert("Please enter at most 3 characters in the \"Years at current address\" field.");
    theForm.Applicant_Years_at_address.focus();
    return (false);
  }

  var checkOK = "0123456789-";
  var checkStr = theForm.Applicant_Years_at_address.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Years at current address\" field.");
    theForm.Applicant_Years_at_address.focus();
    return (false);
  }

  if (theForm.Applicant_Works_For.value == "")
  {
    alert("Please enter a value for the \"Employer\" field.");
    theForm.Applicant_Works_For.focus();
    return (false);
  }

  if (theForm.Applicant_Years_Working.value.length > 3)
  {
    alert("Please enter at most 3 characters in the \"Applicant_Years_Working\" field.");
    theForm.Applicant_Years_Working.focus();
    return (false);
  }

  var checkOK = "0123456789-";
  var checkStr = theForm.Applicant_Years_Working.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Applicant_Years_Working\" field.");
    theForm.Applicant_Years_Working.focus();
    return (false);
  }

  if (theForm.Applicant_Annual_Income.value == "")
  {
    alert("Please enter a value for the \"Income\" field.");
    theForm.Applicant_Annual_Income.focus();
    return (false);
  }

  if (theForm.Home_Area_Code.value == "")
  {
    alert("Please enter a value for the \"Home Phone Area Code\" field.");
    theForm.Home_Area_Code.focus();
    return (false);
  }

  if (theForm.Home_Area_Code.value.length < 3)
  {
    alert("Please enter at least 3 characters in the \"Home Phone Area Code\" field.");
    theForm.Home_Area_Code.focus();
    return (false);
  }

  if (theForm.Home_Area_Code.value.length > 3)
  {
    alert("Please enter at most 3 characters in the \"Home Phone Area Code\" field.");
    theForm.Home_Area_Code.focus();
    return (false);
  }

  if (theForm.Applicant_HomePhone.value == "")
  {
    alert("Please enter a value for the \"Home Phone\" field.");
    theForm.Applicant_HomePhone.focus();
    return (false);
  }

  if (theForm.Applicant_HomePhone.value.length < 7)
  {
    alert("Please enter at least 7 characters in the \"Home Phone\" field.");
    theForm.Applicant_HomePhone.focus();
    return (false);
  }

  if (theForm.Applicant_HomePhone.value.length > 25)
  {
    alert("Please enter at most 25 characters in the \"Home Phone\" field.");
    theForm.Applicant_HomePhone.focus();
    return (false);
  }

  if (theForm.Applicant_Email.value == "")
  {
    alert("Please enter a value for the \"E-mail\" field.");
    theForm.Applicant_Email.focus();
    return (false);
  }

  if (theForm.Co_Appl_Years_Working.value.length > 3)
  {
    alert("Please enter at most 3 characters in the \"Co_Appl_Years_Working\" field.");
    theForm.Co_Appl_Years_Working.focus();
    return (false);
  }

  var checkOK = "0123456789-";
  var checkStr = theForm.Co_Appl_Years_Working.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Co_Appl_Years_Working\" field.");
    theForm.Co_Appl_Years_Working.focus();
    return (false);
  }

  if (theForm.Down_Payment.value.length > 10)
  {
    alert("Please enter at most 10 characters in the \"Available Down Payment\" field.");
    theForm.Down_Payment.focus();
    return (false);
  }

  var checkOK = "0123456789-.,";
  var checkStr = theForm.Down_Payment.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    if (ch == ".")
    {
      allNum += ".";
      decPoints++;
    }
    else if (ch != ",")
      allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Available Down Payment\" field.");
    theForm.Down_Payment.focus();
    return (false);
  }

  if (decPoints > 1)
  {
    alert("Please enter a valid number in the \"Down_Payment\" field.");
    theForm.Down_Payment.focus();
    return (false);
  }

  if (theForm.Cash_in_Bank.value.length > 7)
  {
    alert("Please enter at most 7 characters in the \"Cash in Bank\" field.");
    theForm.Cash_in_Bank.focus();
    return (false);
  }

  var checkOK = "0123456789-.,";
  var checkStr = theForm.Cash_in_Bank.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    if (ch == ".")
    {
      allNum += ".";
      decPoints++;
    }
    else if (ch != ",")
      allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Cash in Bank\" field.");
    theForm.Cash_in_Bank.focus();
    return (false);
  }

  if (decPoints > 1)
  {
    alert("Please enter a valid number in the \"Cash_in_Bank\" field.");
    theForm.Cash_in_Bank.focus();
    return (false);
  }

  if (theForm.Bank_Loans.value.length > 10)
  {
    alert("Please enter at most 10 characters in the \"Bank Loans\" field.");
    theForm.Bank_Loans.focus();
    return (false);
  }

  var checkOK = "0123456789-.,";
  var checkStr = theForm.Bank_Loans.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    if (ch == ".")
    {
      allNum += ".";
      decPoints++;
    }
    else if (ch != ",")
      allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Bank Loans\" field.");
    theForm.Bank_Loans.focus();
    return (false);
  }

  if (decPoints > 1)
  {
    alert("Please enter a valid number in the \"Bank_Loans\" field.");
    theForm.Bank_Loans.focus();
    return (false);
  }

  if (theForm.Term_Deposits.value.length > 10)
  {
    alert("Please enter at most 10 characters in the \"Term Deposits\" field.");
    theForm.Term_Deposits.focus();
    return (false);
  }

  var checkOK = "0123456789-.,";
  var checkStr = theForm.Term_Deposits.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    if (ch == ".")
    {
      allNum += ".";
      decPoints++;
    }
    else if (ch != ",")
      allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Term Deposits\" field.");
    theForm.Term_Deposits.focus();
    return (false);
  }

  if (decPoints > 1)
  {
    alert("Please enter a valid number in the \"Term_Deposits\" field.");
    theForm.Term_Deposits.focus();
    return (false);
  }

  if (theForm.Investments.value.length > 10)
  {
    alert("Please enter at most 10 characters in the \"Investments\" field.");
    theForm.Investments.focus();
    return (false);
  }

  var checkOK = "0123456789-.,";
  var checkStr = theForm.Investments.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    if (ch == ".")
    {
      allNum += ".";
      decPoints++;
    }
    else if (ch != ",")
      allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Investments\" field.");
    theForm.Investments.focus();
    return (false);
  }

  if (decPoints > 1)
  {
    alert("Please enter a valid number in the \"Investments\" field.");
    theForm.Investments.focus();
    return (false);
  }

  if (theForm.IRA_RRSP.value.length > 10)
  {
    alert("Please enter at most 10 characters in the \"R.R.S.P's\" field.");
    theForm.IRA_RRSP.focus();
    return (false);
  }

  var checkOK = "0123456789-.,";
  var checkStr = theForm.IRA_RRSP.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    if (ch == ".")
    {
      allNum += ".";
      decPoints++;
    }
    else if (ch != ",")
      allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"R.R.S.P's\" field.");
    theForm.IRA_RRSP.focus();
    return (false);
  }

  if (decPoints > 1)
  {
    alert("Please enter a valid number in the \"IRA_RRSP\" field.");
    theForm.IRA_RRSP.focus();
    return (false);
  }

  if (theForm.Our_Cars.value.length > 10)
  {
    alert("Please enter at most 10 characters in the \"Our Cars\" field.");
    theForm.Our_Cars.focus();
    return (false);
  }

  var checkOK = "0123456789-.,";
  var checkStr = theForm.Our_Cars.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    if (ch == ".")
    {
      allNum += ".";
      decPoints++;
    }
    else if (ch != ",")
      allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Our Cars\" field.");
    theForm.Our_Cars.focus();
    return (false);
  }

  if (decPoints > 1)
  {
    alert("Please enter a valid number in the \"Our_Cars\" field.");
    theForm.Our_Cars.focus();
    return (false);
  }

  if (theForm.Our_Home.value.length > 10)
  {
    alert("Please enter at most 10 characters in the \"Our Home\" field.");
    theForm.Our_Home.focus();
    return (false);
  }

  var checkOK = "0123456789-.,";
  var checkStr = theForm.Our_Home.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    if (ch == ".")
    {
      allNum += ".";
      decPoints++;
    }
    else if (ch != ",")
      allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Our Home\" field.");
    theForm.Our_Home.focus();
    return (false);
  }

  if (decPoints > 1)
  {
    alert("Please enter a valid number in the \"Our_Home\" field.");
    theForm.Our_Home.focus();
    return (false);
  }

  if (theForm.Mortgage.value.length > 10)
  {
    alert("Please enter at most 10 characters in the \"Mortgage\" field.");
    theForm.Mortgage.focus();
    return (false);
  }

  var checkOK = "0123456789-.,";
  var checkStr = theForm.Mortgage.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    if (ch == ".")
    {
      allNum += ".";
      decPoints++;
    }
    else if (ch != ",")
      allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Mortgage\" field.");
    theForm.Mortgage.focus();
    return (false);
  }

  if (decPoints > 1)
  {
    alert("Please enter a valid number in the \"Mortgage\" field.");
    theForm.Mortgage.focus();
    return (false);
  }

  if (theForm.Mortgage2.value.length > 10)
  {
    alert("Please enter at most 10 characters in the \"Mortgage\" field.");
    theForm.Mortgage2.focus();
    return (false);
  }

  var checkOK = "0123456789-.,";
  var checkStr = theForm.Mortgage2.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    if (ch == ".")
    {
      allNum += ".";
      decPoints++;
    }
    else if (ch != ",")
      allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Mortgage\" field.");
    theForm.Mortgage2.focus();
    return (false);
  }

  if (decPoints > 1)
  {
    alert("Please enter a valid number in the \"Mortgage2\" field.");
    theForm.Mortgage2.focus();
    return (false);
  }

  if (theForm.Mortgage3.value.length > 10)
  {
    alert("Please enter at most 10 characters in the \"Mortgage\" field.");
    theForm.Mortgage3.focus();
    return (false);
  }

  var checkOK = "0123456789-.,";
  var checkStr = theForm.Mortgage3.value;
  var allValid = true;
  var decPoints = 0;
  var allNum = "";
  for (i = 0;  i < checkStr.length;  i++)
  {
    ch = checkStr.charAt(i);
    for (j = 0;  j < checkOK.length;  j++)
      if (ch == checkOK.charAt(j))
        break;
    if (j == checkOK.length)
    {
      allValid = false;
      break;
    }
    if (ch == ".")
    {
      allNum += ".";
      decPoints++;
    }
    else if (ch != ",")
      allNum += ch;
  }
  if (!allValid)
  {
    alert("Please enter only digit characters in the \"Mortgage\" field.");
    theForm.Mortgage3.focus();
    return (false);
  }

  if (decPoints > 1)
  {
    alert("Please enter a valid number in the \"Mortgage3\" field.");
    theForm.Mortgage3.focus();
    return (false);
  }
  return (true);
}