function calculateLICoverage(CalcAYDFlag)
{
	/* ---------------------- Calculate Annual Income Replacement --------------------------*/
	var incomeNeeds = 0;
	if (document.liqeForm.QE_AIN.value != "")
		incomeNeeds = toNumber("liqeForm","QE_AIN");

	var incomeAvailable = 0;
	if (document.liqeForm.QE_AIA.value != "")
		incomeAvailable = toNumber("liqeForm","QE_AIA");

	var incomeReplacement = incomeNeeds - incomeAvailable;

	if (incomeReplacement < 0)
		incomeReplacement = 0;
	document.liqeForm.QE_AIR.value = toCurrency(incomeReplacement);

	/* ---------------------- Calculate Total Income Needs --------------------------*/
	var incomeNPV = 0;
	if (incomeReplacement > 0)
	{
		var numOfYears = parseInt(document.liqeForm.QE_AIY[document.liqeForm.QE_AIY.selectedIndex].value);
		incomeNPV = calculateNPV(incomeReplacement, inflationRate, discountRate, numOfYears);
	}
	document.liqeForm.QE_AIT.value = toCurrency(incomeNPV);

	/* ---------------------- Calculate Total Expenses --------------------------*/
	var burialExpense = 0;
	if (document.liqeForm.QE_BE.value != "")
		burialExpense = toNumber("liqeForm","QE_BE");

	var mortgageDebt = 0;
	if (document.liqeForm.QE_MD.value != "")
		mortgageDebt = toNumber("liqeForm","QE_MD");

	var collegeCost = 0;
	if (document.liqeForm.QE_CC.value != "")
		collegeCost = toNumber("liqeForm","QE_CC");

	var AYDExpense = 0;

	if (CalcAYDFlag == null)
	{
		if (document.liqeForm.QE_AYD.value != "")
			AYDExpense = toNumber("liqeForm","QE_AYD");
	}

	var expenseTotal = burialExpense + mortgageDebt + collegeCost + AYDExpense;

	/* ---------------------- Calculate Total Capital Required --------------------------*/
	var capitalRequired = incomeNPV + expenseTotal;
	document.liqeForm.QE_TC.value = toCurrency(capitalRequired);

	/* ---------------------- Calculate Total Assets --------------------------*/
	var savingsInterest = 0;
	if (document.liqeForm.QE_SI.value != "")
		savingsInterest = toNumber("liqeForm","QE_SI");

	var retirementSavings = 0;
	if (document.liqeForm.QE_RS.value != "")
		retirementSavings = toNumber("liqeForm","QE_RS");

	var lifeInsurance = 0;
	if (document.liqeForm.QE_LI.value != "")
		lifeInsurance = toNumber("liqeForm","QE_LI");

	var assetTotal = savingsInterest + retirementSavings + lifeInsurance;

	document.liqeForm.QE_TA.value = toCurrency(assetTotal);

	/* ---------------------- Calculate Life Insurance Coverage Needed --------------------------*/
	var LINeeds = capitalRequired - assetTotal;

	if (LINeeds < 0)
		LINeeds = 0;

	document.liqeForm.QE_LIN.value = toCurrency(LINeeds);

	return false;
}