function chkQuotes()
{
   err = false;
   var msg = '';
   var msg1 = '';
   var msg2 = '';
   if(document.getElementById('renewal_yes').checked == false && document.getElementById('renewal_no').checked == false)
   {
      msg1 += '<li>answer if your Auto Insurance is up for renewal in the next 60 days</li>';
      err = true;
   }
   if(document.getElementById('at_fault_yes').checked == false && document.getElementById('at_fault_no').checked == false)
   {
      msg1 += '<li>answer if you have any AT FAULT claims in the Past 6 Years';
      err = true;
   }
   if(document.getElementById('not_at_fault_yes').checked == false && document.getElementById('not_at_fault_no').checked == false)
   {
      msg1 += '<li>answer if you have more than 2 NOT AT FAULT CLAIMS in PAST 6 Years.</li>';
      err = true;
   }
   if(document.getElementById('group').value == '')
   {
      msg1 += '<li>select Group you belong</li>';
      err = true;
   }
   if(document.getElementById('renewal_no').checked == true)
   {
      msg2 += '<li>your Auto Insurance is not up for renewal in the next 60 days</li>';
      err = true;
   }
   if(document.getElementById('at_fault_yes').checked == true)
   {
      msg2 += '<li>you have any AT FAULT claims in the Past 6 Years</li>';
      err = true;
   }
   if(document.getElementById('not_at_fault_yes').checked == true)
   {
      msg2 += '<li>you have more than 2 NOT AT FAULT CLAIMS in PAST 6 Years</li>';
      err = true;
   }
   if(err == true)
   {
      if(msg1.length > 0)
      {
         msg += '<p><strong>Following errors occured:</strong></p>' + msg1;
      }
      else if(msg2.length > 0)
      {
         msg += '<p><strong>We are unable to process your request for a Quote online if:</strong></p>' + msg2 + '<p><strong>Please contact Ian Vincent at (905) 660-6170 or via e-mail at ivincent@impactinsurance.com to help you with a quote.</strong></p>';  
      }
      document.getElementById('err_layer').innerHTML = '<div class="redmsg"><ul>' + msg + '</ul></div>';
      Effect.BlindDown('err_layer');
      return false;
   }
   else
   {
      return true;
   }   
}