function validator(form) { 

  if (form.fname.value == "") {
    alert("Please provide us with your First Name.");
    form.fname.focus();
    return false;
  }
  if (form.lname.value == "") {
    alert("Please provide us with your Last Name.");
    form.lname.focus();    
    return false;
  }  
  if (form.email.value == "") {
    alert("Please provide us with your Email Address.");
    form.email.focus();    
    return false;
  }
  if (form.phone.value == "") {
    alert("Please provide us with your Telephone Number.");
    form.phone.focus();
    return false;
  }
  
  if (form.loan_amount.value == "") {
    alert("Please provide us with a Loan Amount.");
    form.loan_amount.focus();
    return false;
  }
  if (form.employment.value == 0) {
    alert("Please provide us with your Employment Status.");
    return false;
  }  
  if (form.job.value == 0) {
    alert("Please provide us with your Job Status.");
    return false;
  } 
  if (form.income.value == 0) {
    alert("Please provide us with your Income Level.");
    return false;
  } 
  if (form.credit.value == 0) {
    alert("Please provide us with Credit Status.");
    return false;
  } 
  if (form.age.value == 0) {
    alert("Please provide us with your Age.");
    return false;
  }         
  
return true; 
}