function calcPayment(p, i, n)
{
   var payment = (p * i) / (1 - Math.pow(1 + i, -n));
   return payment.toFixed(2);
}

function calcInterestPayment(p, i)
{
   return (p * i);
}

function calcPrinciplePayment(payment, interest)
{
   return payment - interest;
}

function normalizeRate(rate)
{
   if (rate > 0.25)
   {
      rate /= 100.0;
   }

   return rate;
}