function validate(){

	var exclude=/[^@\-\.\w]|^[_@\.\-]|[\._\-]{2}|[@\.]{2}|(@)[^@]*\1/;

	var check=/@[\w\-]+\./;

	var checkend=/\.[a-zA-Z]{2,3}$/;

	if (document.getElementById('loantype').value=='') {alert('Please enter your Loan Type.'); document.getElementById('loantype').focus(); return false;}

	if (document.getElementById('loanamount').value=='Loan Amount') {alert('Please enter your Loan Amount.'); document.getElementById('loanamount').focus(); return false;}

	if (document.getElementById('firstname').value=='First Name') {alert('Please enter your First Name.'); document.getElementById('firstname').focus(); return false;}

	if (document.getElementById('lastname').value=='Last Name') {alert('Please enter your Last Name.'); document.getElementById('lastname').focus(); return false;}

		if (document.getElementById('email').value=='Email:') {alert('Please enter your Email Address.'); document.getElementById('email').focus(); return false;}

	else if(((document.getElementById('email').value.search(exclude) != -1)||(document.getElementById('email').value.search(check)) == -1)||(document.getElementById('email').value.search(checkend) == -1)){alert('Please enter a valid email address'); document.getElementById('email').focus(); return false;}

	if (document.getElementById('phone').value=='Phone') {alert('Please enter your Phone Number.'); document.getElementById('phone').focus(); return false;}

	if (document.getElementById('state').value=='') {alert('Please enter your state.'); document.getElementById('state').focus(); return false;}

	

	return true;

}