function lifeInsuranceCalculator(intGross, intYears, intExisting){
    var intResult =  Math.round(((0.73 * intGross * intYears) - intExisting)*100)/100;
    if(intResult < 15000){
        intResult = 15000 - intExisting;
    }
    return intResult;
}

function incomeReplacementCalculator(intGross){
    var intResult = Math.round(.70 * intGross / 12 * 100)/100;
    return intResult;
}

function formatCurrency(num) {
    num = num.toString().replace(/\$|\,/g,'');
    if(isNaN(num))
    num = "0";
    sign = (num == (num = Math.abs(num)));
    num = Math.floor(num*100+0.50000000001);
    cents = num%100;
    num = Math.floor(num/100).toString();
    if(cents<10)
    cents = "0" + cents;
    for (var i = 0; i < Math.floor((num.length-(1+i))/3); i++)
    num = num.substring(0,num.length-(4*i+3))+','+
    num.substring(num.length-(4*i+3));
    return (((sign)?'':'-') + '$' + num + '.' + cents);
}