function validate(form_obj){
	
	//alert(form_obj);
	
	//validate home buyer fields...
	var msg = "";
	
	var full_name = form_obj.full_name.value;
	if(full_name == ""){
		msg += "-full name\n";
	}//end if
	
	var desired_area = form_obj.desired_area[form_obj.desired_area.selectedIndex].value;
	if(desired_area == ""){
		msg += "-desired area\n";
	}//end if
	
	var area_flexible_yn = form_obj.area_flexible_yn[form_obj.area_flexible_yn.selectedIndex].value;
	if(area_flexible_yn == ""){
		msg += "-area flexible?\n";
	}//end if
	
	var working_with_agent_yn = form_obj.working_with_agent_yn[form_obj.working_with_agent_yn.selectedIndex].value;
	if(working_with_agent_yn == ""){
		msg += "-working with agent?\n";
	}//end if
	
	var num_bedrooms = form_obj.num_bedrooms[form_obj.num_bedrooms.selectedIndex].value;
	if(num_bedrooms == ""){
		msg += "-number of bedrooms\n";
	}//end if
	
	var num_bathrooms = form_obj.num_bathrooms[form_obj.num_bathrooms.selectedIndex].value;
	if(num_bathrooms == ""){
		msg += "-number of bathrooms\n";
	}//end if
	
	var currently_employed_yn = form_obj.currently_employed_yn[form_obj.currently_employed_yn.selectedIndex].value;
	if(currently_employed_yn == ""){
		msg += "-currently employed?\n";
	}//end if
	
	var down_payment = form_obj.down_payment[form_obj.down_payment.selectedIndex].value;
	if(down_payment == ""){
		msg += "-down payment amount\n";
	}//end if
	
	var desired_monthly_payment = form_obj.desired_monthly_payment[form_obj.desired_monthly_payment.selectedIndex].value;
	if(desired_monthly_payment == ""){
		msg += "-monthly payment amount\n";
	}//end if
	
	var phone_number = form_obj.phone_number.value;
	if(phone_number == ""){
		msg += "-phone number\n";
	}//end if
	
	var email = form_obj.email.value;
	if(email == ""){
		msg += "-email address\n";
	}//end if
	
	var terms_agreed_yn = form_obj.terms_agreed_yn.checked;
	if(terms_agreed_yn == false){
		msg += "-agree to terms\n";
	}//end if
	
	
	
	if(msg != ""){
		//error
		msg = "The following fields are required:\n" + msg;
		alert(msg);
		return false;
	}//end if
	
	return true;
}//end function