function checkForm(frm) {
  var errMsg = '';
  var errFound = true;

  if (frm.elements.item(0).value.length == 0) {
    errMsg = 'Please complete the Name field.';
  } else if (frm.elements.item(1).value.length == 0) {
    errMsg = 'Please complete the Address field.';
  } else if (frm.elements.item(2).value.length == 0) {
    errMsg = 'Please complete the City field.';
  } else if (frm.elements.item(3).selectedIndex == 0) {
    errMsg = 'Please select an option for the State field.';
  } else if (frm.elements.item(4).value.length == 0) {
    errMsg = 'Please complete the Zip Code field.';
  } else if (frm.elements.item(5).value.length == 0) {
    errMsg = 'Please enter a valid Email.';
  } else if (frm.elements.item(6).value.length == 0) {
    errMsg = 'Please complete the Phone field.';
  } else if (frm.elements.item(7).checked == false && frm.elements.item(8).checked == false) {
    errMsg = 'Please select an option for the best time to contact you.';
  } else if (frm.elements.item(9).checked == false && frm.elements.item(10).checked == false && frm.elements.item(11).checked == false && frm.elements.item(12).checked == false && frm.elements.item(13).checked == false && frm.elements.item(14).checked == false && frm.elements.item(15).checked == false && frm.elements.item(16).checked == false && frm.elements.item(17).checked == false && frm.elements.item(18).checked == false) {
    errMsg = 'Please select an option for all coverages that apply to your needs.';
  } else {
    errFound = false;
  }

  var formOk = true;
  if (errFound) {
    formOk = false;
    alert(errMsg);
  }

  return formOk;
}

function submitForm(e) {
  var contactForm = document.getElementById('contactForm');
  if (checkForm(contactForm) !== false) {
    contactForm.submit();
  }
}

function listenForSubmit(e) {
  var submitButton = document.getElementById('submitButton');

  if (submitButton.addEventListener) {
    submitButton.addEventListener('click', submitForm, false);
  } else if (submitButton.attachEvent) {
    submitButton.attachEvent('click', submitForm);
  }

}

/*
This is not needed, since it wasn't handling events correctly in IE anyway - KB 9/25/2007
if (window.addEventListener) {
  window.addEventListener('load', listenForSubmit, false);
} else if (window.attachEvent) {
  window.attachEvent('onload', listenForSubmit);
} else {
  alert('Your browser doesn\'t support the JavaScript that is necessary to submit this form. Please upgrade your browser and try again.');
}
*/