function validate(theForm) {
	
	if (theForm.Name.value == ""){
		alert("You must enter a Name.");
		theForm.Name.focus();
		return (false);
	}//test if valid email address, must have @ and .
	var checkEmail = "@.";
	var checkStr = theForm.Email.value;
	var EmailValid = false;
	var EmailAt = false;
	var EmailPeriod = false;
	for (i = 0;  i < checkStr.length;  i++)	{
		ch = checkStr.charAt(i);
		for (j = 0;  j < checkEmail.length;  j++){
			if (ch == checkEmail.charAt(j) && ch == "@")
				EmailAt = true;
			if (ch == checkEmail.charAt(j) && ch == ".")
				EmailPeriod = true;
			if (EmailAt && EmailPeriod)
				break;
			if (j == checkEmail.length)
				break;
		}// 	if both the @ and . were in the string
		if (EmailAt && EmailPeriod)	{
			EmailValid = true
			break;
		}
	}
	if (!EmailValid){
		alert("Please enter Valid Email Address");
		theForm.Email.focus();
		return (false);
	}
	if (theForm.Phone.value == ""){
		alert("You must enter a Phone Number.");
		theForm.Phone.focus();
		return (false);
	}
	if (theForm.State.value == ""){
		alert("You must enter a State Name.");
		theForm.State.focus();
		return (false);
	}//	check if the first drop down is selected, if so, invalid selection
	if (theForm.debt.selectedIndex == 0){
		alert("Please select the Debt Amount");
		theForm.debt.focus();
		return (false);
	}
	if(theForm.vs_captcha_input.value==""){
		alert("Please Captcha Code.");
		theForm.vs_captcha_input.focus();
		return (false);
	}else{
		return true;
	}
	
}