function mask(str,textbox,loc,delim){
  var locs = loc.split(',');
  
  for (var i = 0; i <= locs.length; i++){
  	for (var k = 0; k <= str.length; k++){
  	 if (k == locs[i]){
  	  if (str.substring(k, k+1) != delim){
  	   if (event.keyCode != 8){ //backspace
  	    str = str.substring(0,k) + delim + str.substring(k,str.length);
         }
  	  }
  	 }
  	}
   }
  textbox.value = str
  }

  function priv_check() {
    alert('We will not be able to process your application until you have read and agreed to our privacy policy.')
    document.theform_1.privacy[0].checked = true;
  }
  var d = document;
    
  function bkVis(elemID, state) {
    var elem = d.getElementById(elemID);
    var state = state;
    
    elem.style.visibility = state;
  }