function form_Validator(theForm)
{

   if (theForm.terms_agree.checked=="")
  {
    alert("You must accept the Terms & Conditions below to continue.");
    theForm.terms_agree.focus();
    return (false);
  }
  
  	/*
   if (theForm.propcert.checked==true && theForm.CDN.checked==true)
  {
    alert("All PROPERTY Certificates must be issued out of the USA. Please check your Certificate Type.");
    theForm.propcert.focus();
    return (false);
  }
  
	/*
  if (theForm.certHold_coname.value == "")
  {
    alert("Please enter the Certificate Holder's Company Name.");
    theForm.certHold_coname.focus();
    return (false);
  }  */
  
  return (true);
}