function checkForm() {

  var theMessage = "Please fill out the following required field\(s\) before submitting your request:\n\n\n";
  var errors = "";

  if (document.form.loanOfficer.value == "XXX") errors = errors + "    Loan Officer \n\n";
  
  if (document.form.PurposeOfLoan.value == "XXX") errors = errors + "    Purpose of the Loan \n\n";
  
  if (document.form.LoanProgram.value == "XXX") errors = errors + "    Loan Program \n\n";
  
  if (document.form.LoanAmount.value == "") errors = errors + "    Loan Amount \n\n";
  
  if (document.form.State.value == "XXX") errors = errors + "    Property State \n\n";
  
  if (document.form.PropertyType.value == "XXX") errors = errors + "    Property Type \n\n";
  
  if (document.form.PropertyWillBe.value == "XXX") errors = errors + "    Property Will Be \n\n";
  
  if (document.form.fName.value == "") errors = errors + "    First Name \n\n";
  
  if (document.form.lName.value == "") errors = errors + "    Last Name \n\n";
  
  if (document.form.EMail.value.indexOf('@') == "-1") errors = errors + "    Please enter a valid E-Mail address. \n\n";

  if (document.form.HomePhone.value == "" && document.form.WorkPhone.value == "" && document.form.CellPhone.value == "") errors = errors + "    At Least 1 Phone Number \n\n";
 
  if ( ( document.form.SelfEmployed[0].checked == false ) && ( document.form.SelfEmployed[1].checked == false ) )
  {
          errors = errors + "    Are you self-employed? \n\n";
  }
  
  if (document.form.strCAPTCHA.value == "") errors = errors + "    Please fill in the Security Code \n\n";
   
  if (errors != "") {
     alert(theMessage+errors);
     return false;
     }
  return true;
}