function getQuote()
{
// create shortcuts
doc = document.quoterequest;
var employ = doc.Emp_Status;
var employWhich = employ.options[employ.selectedIndex].value;
var covtype = doc.type_cover;
var whichcov = covtype.options[covtype.selectedIndex].value;
var deferred = doc.deferral;
var whichdef = deferred.options[deferred.selectedIndex].value;
var totrequi = doc.tot_prot;
totrequiVal = totrequi.value;
var maxMort = doc.maxCov.value;
premium = doc.monthPrem;
//choose rate according to the choice of cover and start date
// check if type of cover is selected
if (employWhich == "")
	{
	window.alert('Please select a type of employment status from the drop down menu');
	}
else if (whichcov == "")
	{
	window.alert('Please select a type of cover from the drop down menu');
	}
else if (whichdef == "")
	{
	window.alert('Please select the appropriate deferral period');
	}
//'Accident, Sickness and Redundancy' section
else if (whichcov == "asr" && whichdef == "day1")
	{
	var preCalc1 = (maxMort * 3.75/100);
	var preCalc2 = ((totrequiVal - maxMort)*3.75/100);
	var prepremium = Math.round((preCalc1 + preCalc2)*100)/100;
	premium.value = prepremium;
	}
else if (whichcov == "asr" && whichdef == "day30")
	{
	var preCalc1 = (maxMort * 3.65/100);
	var preCalc2 = ((totrequiVal - maxMort)*5.25/100);
	var prepremium = Math.round((preCalc1 + preCalc2)*100)/100;
	premium.value = prepremium;
	}
else if (whichcov == "asr" && whichdef == "day60")
	{
	var preCalc1 = (maxMort * 3.40/100);
	var preCalc2 = ((totrequiVal - maxMort)*4.75/100);
	var prepremium = Math.round((preCalc1 + preCalc2)*100)/100;
	premium.value = prepremium;
	}
//'Accident and Sickness Only' section
else if (whichcov == "as" && whichdef == "day1")
	{
	var preCalc1 = (maxMort * 3.50/100);
	var preCalc2 = ((totrequiVal - maxMort)*3.50/100);
	var prepremium = Math.round((preCalc1 + preCalc2)*100)/100;
	premium.value = prepremium;
	}
else if (whichcov == "as" && whichdef == "day30")
	{
	var preCalc1 = (maxMort * 2.75/100);
	var preCalc2 = ((totrequiVal - maxMort)*3.50/100);
	var prepremium = Math.round((preCalc1 + preCalc2)*100)/100;
	premium.value = prepremium;
	}
else if (whichcov == "as" && whichdef == "day60")
	{
	var preCalc1 = (maxMort * 2.60/100);
	var preCalc2 = ((totrequiVal - maxMort)*3.35/100);
	var prepremium = Math.round((preCalc1 + preCalc2)*100)/100;
	premium.value = prepremium;
	}
//'Redundancy Only' section
else if (whichcov == "r" && whichdef == "day1")
	{
	var preCalc1 = (maxMort * 3.55/100);
	var preCalc2 = ((totrequiVal - maxMort)*5.00/100);
	var prepremium = Math.round((preCalc1 + preCalc2)*100)/100;
	premium.value = prepremium;
	}
else if (whichcov == "r" && whichdef == "day30")
	{
	var preCalc1 = (maxMort * 3.00/100);
	var preCalc2 = ((totrequiVal - maxMort)*4.25/100);
	var prepremium = Math.round((preCalc1 + preCalc2)*100)/100;
	premium.value = prepremium;
	}
else if (whichcov == "r" && whichdef == "day60")
	{
	var preCalc1 = (maxMort * 2.70/100);
	var preCalc2 = ((totrequiVal - maxMort)*3.75/100);
	var prepremium = Math.round((preCalc1 + preCalc2)*100)/100;
	premium.value = prepremium;
	}// end if
}// end function