function FrmVal(oFrm) {
			
				if (oFrm.OwnProperty.checked == "") {
				alert("In order to apply for Debt Consolidation, you must be a property owner!");
				return (false);
			}
			
			
			if (oFrm.FirstName.value == "") {
				alert("Please enter a Name");
				oFrm.FirstName.focus();
				return (false);
			}
			
			if (oFrm.Surname.value == "") {
				alert("Please enter a Surname");
				oFrm.Surname.focus();
				return (false);
			}
			if (oFrm.HomePhone.value == "" && oFrm.BusinessPhone.value == "" && oFrm.MobilePhone.value == "") {
				alert("Please enter a Phone number");
				oFrm.HomePhone.focus();
				return (false);
			}
			if (oFrm.Email1.value == "") {
				alert("Please enter an Email Address");
				oFrm.Email1.focus();
				return (false);
			}
			return (true);
		}