function check_agree(el){
     if (!el[1].checked) {
        alert('You must agree to the disclaimers to submit this form.')
        return false;
     } else {
        return true;
     }
  }
  function formatAsPhone(phone,req) {
     var digits = phone.value.replace(/[^0-9]/ig, '');
     var isreq = (req) ? true : false;
     if (!digits && isreq) {
         //alert('Please enter a valid phone number for: '+phone.name);
         globalvar = phone;
         //setTimeout("globalvar.focus()",100);
         return;
     }
     if(digits.length > 0){
         switch(digits.length){
             case 10:
                 phone.value = '(' + digits.substring(0, 3) + ') ' + digits.substring(3, 6) + '-' + digits.substring(6, 10);
             break;
             default:
                //alert('Please enter 10 digits for '+phone.name+'.\nAn Area Code is required.');
                phone.value = digits;                
               break;
         }  
     }
  }
  function formatAsDate(elm,req) {
         var digits = elm.value.replace(/[^0-9]/ig, '');
         elm.value = digits;
         var isreq = (req) ? true : false;
         if (isreq) {
             if (digits.length > 0){
                 if (digits.length != 8)
                  {
                      //alert('Please enter a valid date for: '+elm.name+' in format MM-DD-YYYY');
                      elm.value = '';
                      globalvar = elm;
                      //setTimeout("globalvar.focus()",100);
                      //elm.focus();
                      return;
                  }
              }
         }
         if (digits.length == 8){
             elm.value = digits.substring(0, 2) +'-'+ digits.substring(2, 4) +'-'+ digits.substring(4, 8);
         }
    }