function verify_element(elem, msg, numeric) {
		if (elem.type != null) {
			lType = elem.type;
			lFocus = elem;
		} else {
			lType = elem[0].type;
			lFocus = elem[0];
		}
		valid = true;

		switch (lType) {
			// Text fields
			case "text":
			case "textarea":
				if (elem.value == "") {valid=false;}
				if (numeric && isNaN(parseInt(elem.value))) (valid=false);  // test to see if value is a number
				break;

			// Drop-down validation, Assume first option is "Please select from List"
			case "select-one":
			case "select-multiple":
				if (elem.selectedIndex == 0) {valid=false;}
				break;

			// Checkbox validation
			case "checkbox":
				valid = false;
				if (elem.length == null) {
					if (elem.checked) {
						valid = true;
					}
				}
				else {
					for (counter = 0; counter < elem.length; counter++) {
						if (elem[counter].checked) {
							valid = true;
						}
					}
				}
				break;
		
			// Radio validation
			case "radio":
				valid = false;
				if (elem.length == null) {
					if (elem.checked) {
						valid = true;
					}
				}
				else {
					for (counter = 0; counter < elem.length; counter++) {
						if (elem[counter].checked) {
							valid = true;
						}
					}
				}
				break;
		}

		if (!valid) {
			alert(msg);
			lFocus.focus();
			lRet = false;
		} else {
			lRet = true;
		}

		return lRet;
	}


// verify function
        function verify_consumer(f) 
	{
                return verify_element(f.ClientName,'Please enter your client name.') &&
		verify_element(f.ClientAddress,'Please enter your address.') &&
		verify_element(f.ClientCity,'Please enter your city.') &&
		verify_element(f.ClientPhone,'Please enter your phone number.') &&
		verify_element(f.ClientEmail,'Please enter your email address.') &&
		verify_element(f.ClientContact,'Please enter your person to contact.') &&
		verify_element(f.ClaimAmount,'Please enter your claim amount.') &&
		verify_element(f.IntRate,'Please enter your interest rate.') &&
		verify_element(f.LastName1,'Please enter the debtors last name.') &&
		verify_element(f.FirstName1,'Please enter the debtors first and middle initial.') &&
		verify_element(f.CurrentAddress,'Please enter the debtors current address.') &&
		verify_element(f.CurrentCity,'Please enter the debtors city.') &&
		verify_element(f.CurrentProvince,'Please enter the debtors province.') &&
		verify_element(f.MailReturned,'Please select an option for Mail Returned.') &&
		verify_element(f.HomePhoneNumber,'Please enter the debtors phone number.') &&
		verify_element(f.PhoneInService,'Please indicate whether the debtor\'s phone is in service.') &&
                verify_element(f.InitialChargeDate,'Please enter the initial charge date.');
        }

        function verify_commercial(f) {

                return verify_element(f.ClientName,'Please enter your client name.') &&
		verify_element(f.ClientAddress,'Please enter your address.') &&
		verify_element(f.ClientCity,'Please enter your city.') &&
		verify_element(f.ClientPhone,'Please enter your phone number.') &&
		verify_element(f.ClientEmail,'Please enter your email address.') &&
		verify_element(f.ClientFax,'Please enter your fax number.') &&
		verify_element(f.ClientContact,'Please enter your person to contact.') &&
		verify_element(f.PrincipalAmount,'Please enter your principal claim amount.') &&
		verify_element(f.IntRatePerYear,'Please enter your interest rate.') &&
		verify_element(f.LegalCompanyName,'Please enter the legal company name.') &&

		verify_element(f.CompanyAddress,'Please enter the debtors current address.') &&
		verify_element(f.CompanyCity,'Please enter the debtors current address.') &&
		verify_element(f.CompanyProvince,'Please enter the debtors current address.') &&
		verify_element(f.CompanyPostal,'Please enter the debtors postal code.') &&
		verify_element(f.CompanyPhone,'Please enter the debtors phone number.') &&
		verify_element(f.MailReturned,'Please select an option for mail returned.') &&
		verify_element(f.PhoneInService,'Please select an option for phone in service.') &&

                verify_element(f.InitialChargeDate,'Please enter the initial charge date.');
        }