<!--
function valdrop() {
var failed = false;

	if(document.debtform.submitted) return false;

	if((document.debtform.contacttime.selectedIndex == 0)
	|| (document.debtform.NumDebts.selectedIndex == 0)
	|| (document.debtform.NatureOfIncome.selectedIndex == 0)
	|| (document.debtform.ResStatus.selectedIndex == 0))
	{
		failed = true;
		alert('You must make a selection from each drop down list.');
	}
	else
	{
	}
	if(failed)
		return false;
	else
		return true;
}
//-->