function formValidate(which){
var why = "";
var dayphoneFlag = 0;
var evephoneFlag = 0;

	for(i=0;i<which.length;i++){
		var tempobj=which.elements[i]
//if (((tempobj.name=="text"||tempobj.type=="textarea")&&tempobj.value=='')||(tempobj.type.toString().charAt(0)=="s"&&tempobj.selectedIndex==-1)){
//why ="You must complete all fields to continue\n";
//}

		//check for title service checkbox
		if(tempobj.name=="fname" && tempobj.value==''){
			why +="Please enter your first name\n";
		}
		
		//if title checked, a type must be selected
		if(tempobj.name=="lname" && tempobj.value==''){
			why +="Please enter your last name\n";
		}
		
		//check for appraisal service checkbox
		if(tempobj.name=="daytime_telephone" && tempobj.value==''){
			dayphoneFlag = 1;
		}
		
		//check for appraisal service checkbox
		if(tempobj.name=="evening_telephone" && tempobj.value==''){
			evephoneFlag = 1;
		}
		
		//check for closing services indication
		if(tempobj.name=="address" && tempobj.value==''){
			why +="Please enter your address\n";
		}
		
		if(tempobj.name=="city" && tempobj.value==''){
			why +="Please enter your city\n";
		}
		
		if(tempobj.name=="state" && tempobj.value==''){
			why +="Please select your state\n";
		}
		
		if(tempobj.name=="zip" && tempobj.value==''){
			why +="Please enter your zip code\n";
		}
		

		
		
		
}//end the for loop

		if(dayphoneFlag == 1 && evephoneFlag == 1){
			why +="Please enter at least one valid telephone number to continue\n";
		}
		
	    if (why != "") {
       alert("There are some omissions in your form:\n\n"+why+"\nPlease correct these and resubmit.");
       return false;
    	}else{
return true;
}
}