function valid_credit(objform)
		 {
		 strEmail=objform.email.value;
		 acct=objform.account.value;
		 conf=objform.test.value;
		 dept=objform.department.value;
		 re=objform.reason.value;
		 pub=objform.publication.value;
		 nam=objform.contact.value;
		 mem=objform.memo.value;
		 mon=objform.money.value;
		 strArea=objform.phone1.value;
		 strExchange=objform.phone2.value;
		 strNumber=objform.phone3.value;

			if ((dept!="newspaper") && (dept!="magazine") && (dept!="books") && (dept!="other"))
				{
				alert("Please Select Department")
				return false
				}
			if (nam == "")
				{
				alert("Please Enter Your Name or Company's Name")
				objform.contact.focus();
				return false
				}
			if (acct=="")
				{
				alert("Please Enter Account Number")
				objform.account.focus();
				return false
				}
			if (acct!=conf)
				{
				alert("Please Verify Account Number")
				objform.account.focus();
				return false
				}
			if ((strArea.length + strExchange.length + strNumber.length) < 10)
			{
				alert("Your phone number is missing " + (10 - (strArea.length + strExchange.length + strNumber.length)) + " digit(s).");
				objform.phone1.focus();
				return false;
			}
			if (isNaN(strArea) || isNaN(strExchange) || isNaN(strNumber))
			{
				alert("There are invalid characters in your phone number.");
				objform.phone1.focus();
				return false;
			}
			if (pub == "")
				{
				alert("Please Enter a Publication Title")
				objform.publication.focus();
				return false
				}

			if (mem == "")
				{
				alert("Please Enter Credit Memo Number")
				objform.memo.focus();
				return false
				}
			if (mon == 0)
				{
				alert("Please Enter the Disputed Amount")
				objform.money.focus();
				return false
				}
			if (re == "")
				{
				alert("Please Enter a Reason for the Dispute")
				objform.reason.focus();
				return false
				}
			if ((strEmail.indexOf("@") < 0) || (strEmail.indexOf(".") < 0))
			{
				alert("Please enter a valid email address.");
				objform.email.focus();
				return false;
			}
		}