function validate(){
   msg="";f=document.F; m="- ";
	if(typeof(f.skip_user)=='undefined')
	{
	   if (f.user.value.length<4 || f.user.value.length>12) msg=m+"Please select 4-12 letters for your username\n";
		else if (f.user.value.indexOf(' ')>-1) msg+=m+"Don't enter spaces in the Username field\n";
	}
	if(typeof(f.skip_pass)=='undefined')
	{
	   if (f.pass.value.length<6 || f.pass.value.length>12) msg+=m+"Please select 6-12 letters for your Password\n";
		else if (f.pass.value.indexOf(' ')>-1) msg+=m+"Don't enter spaces in the Password field\n";
	}
	if(typeof(f.skip_fname)=='undefined')
	{
	   if (f.fname.value.length<2) msg+=m+"You forgot to enter your name\n";
	}
	if(typeof(f.skip_lname)=='undefined')
	{
	   if (f.lname.value.length<2) msg+=m+"You forgot to enter your last name\n";
	}
	if(typeof(f.skip_zip)=='undefined')
	{
		if (f.zip.value.length<3) msg+=m+"Please enter your zip code\n";
	}
	if(typeof(f.skip_email)=='undefined')
	{
	   if (f.email.value.length<8) msg+=m+"Please enter your email address\n";
	}
	if(typeof(f.ptype)!='undefined')
	{
		ptype=get_ptype_value();
		country=f.country[f.country.selectedIndex].value;
		if(ptype=='k' && country!='US:840')
			msg+=m+"Online Checks is only available for US residents";
	}
   if (msg!=""){
      alert("Please fix the following problems:\n"+msg);
      return false;
   }
   return true;
}

function get_ptype_value()
{
	f=document.F;

	for (var i=0; i<f.ptype.length; i++)
	{
		if(f.ptype[i].checked)
			return (f.ptype[i].value);
	}
	return;
}