function merge_value(frmobj){
		
	if(frmobj.debt_unsecure_amt.value==''){
		alert('Please select the debt amount');
		frmobj.debt_unsecure_amt.focus();
		return false;
	}
	if(frmobj.first_name.value==''){
		alert('Please enter the first name');
		frmobj.first_name.focus();
		return false;
	}
	else
	{
		var fname= frmobj.first_name.value;
		if(!fname.match(/^[a-zA-Z ]*$/) )	
	  		{ 
	  			
				alert("Please enter valid first name.");
				 frmobj.first_name.focus();
				return false;
			}
	}
	if(frmobj.last_name.value==''){
		alert('Please enter the last name');
		frmobj.last_name.focus();
		return false;		
	}
	else
	{
		var lname= frmobj.last_name.value;
		if(!lname.match(/^[a-zA-Z ]*$/) )	
	  		{ 
	  			
				alert("Please enter valid last name.");
				 frmobj.last_name.focus();
				return false;
			}
	}
	if (frmobj.Email.value == "")

	 {
		alert('Please enter email Address .');
		frmobj.Email.focus();
		return false;
	 }else
	 {
	  	email=frmobj.Email.value;
  		if (email.search(/^\w+((-\w+)|(\.\w+))*\@[A-Za-z0-9]+((\.|-)[A-Za-z0-9]+)*\.[A-Za-z0-9]+$/) != -1)
		{

		}
		else{
			alert("Please enter valid email address.");
			frmobj.Email.focus();
			return false;
		}
	}
	
	/*if(frmobj.Email.value != frmobj.email2.value){
		alert("Email and Verify Email is not same.");
		frmobj.email2.focus();
		return false;
	}*/
	if(frmobj.ph1.value==''){
		alert('Please enter the phone number');
		frmobj.ph1.focus();
		return false;
	}
	else if(frmobj.ph1.value.length!=3)
	{
		alert('Please enter the valid phone number');
		frmobj.ph1.focus();
		return false;
	}	
	else{
  		uname=frmobj.ph1.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter valid phone no.");
			frmobj.ph1.focus();
			return (false);
		}
  	}
	if(frmobj.ph2.value==''){
		alert('Please enter the phone number');
		frmobj.ph2.focus();
		return false;
	}
	else if(frmobj.ph2.value.length!=3)
	{
		alert('Please enter the valid phone number');
		frmobj.ph2.focus();
		return false;
	}	
	else{
  		uname=frmobj.ph2.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter valid phone no.");
			frmobj.ph2.focus();
			return (false);
		}
  	}
  	
	if(frmobj.ph3.value==''){
		alert('Please enter the phone number');
		frmobj.ph3.focus();
		return false;
	}
	else if(frmobj.ph3.value.length!=4)
	{
		alert('Please enter the valid phone number');
		frmobj.ph3.focus();
		return false;
	}	
	else{
  		uname=frmobj.ph3.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter valid phone no.");
			frmobj.ph3.focus();
			return (false);
		}
  	}
  	
	if(frmobj.alt_ph1.value==''){
		alert('Please enter the alternate phone number');
		frmobj.alt_ph1.focus();
		return false;
	}
	else if(frmobj.alt_ph1.value.length!=3)
	{
		alert('Please enter the valid phone number');
		frmobj.alt_ph1.focus();
		return false;
	}	
	else{
  		uname=frmobj.alt_ph1.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter valid alternate phone no.");
			frmobj.alt_ph1.focus();
			return (false);
		}
  	}
	if(frmobj.alt_ph2.value==''){
		alert('Please enter the alternate phone number');
		frmobj.alt_ph2.focus();
		return false;
	}
	else if(frmobj.alt_ph2.value.length!=3)
	{
		alert('Please enter the valid phone number');
		frmobj.alt_ph2.focus();
		return false;
	}	
	else{
  		uname=frmobj.alt_ph2.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter valid alternate phone no.");
			frmobj.alt_ph2.focus();
			return (false);
		}
  	}
  	
	if(frmobj.alt_ph3.value==''){
		alert('Please enter the alternate phone number');
		frmobj.alt_ph3.focus();
		return false;
	}
	else if(frmobj.alt_ph3.value.length!=4)
	{
		alert('Please enter the valid phone number');
		frmobj.alt_ph4.focus();
		return false;
	}	
	else{
  		uname=frmobj.alt_ph3.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter valid alternate phone no.");
			frmobj.alt_ph3.focus();
			return (false);
		}
  	}
  	if(frmobj.street_addr1.value==''){
		alert('Please enter the street address');
		frmobj.street_addr1.focus();
		return false;
	}
	if(frmobj.city.value==''){
		alert('Please enter the city');
		frmobj.city.focus()
		return false;
	}
	else{
  		var uname=frmobj.city.value;
		if(!uname.match(/^[a-zA-Z ]*$/) )	
	  		{ 
	  			
				alert("Please enter valid city.");
				 frmobj.city.focus();
				return false;
			}
  	}
	if(frmobj.state.value==''){
		alert('Please select the state');
		frmobj.state.focus();
		return false;
	}
	if(frmobj.Zip.value==''){
		alert('Please enter the zip code');
		frmobj.Zip.focus();
		return false;
	}
	else{
  		uname=frmobj.Zip.value
		if (!uname.match(/^[0-9()+ -]*$/) )	
  		{ 
			alert("Please enter valid zip code.");
			frmobj.Zip.focus();
			return (false);
		}
  	}
	
	if(frmobj.own_home.value ==''){
		alert('Are You a Home Owner');
		frmobj.own_home.focus();
		return false;
	}
	if(frmobj.best_call_time.value ==''){
		alert('Please select best call time.');
		frmobj.best_call_time.focus();
		return false;
	}
	if(frmobj.accepted_terms.checked == false){
		alert('Please check the terms and conditions box');
		frmobj.accepted_terms.focus();
		return false;
	}	
		
	
	 return true;
}