function verify(f)
{
    var empty_fields = "";
    var errors = "";

    for(var i = 0; i < f.length; i++) {
        var e = f.elements[i];
		
		if (e.name == "chkterms") {
			if (e.checked == false) {
				errors += "\n You must confirm that you agree to the terms and conditions.";
			continue			
			}
		}
    }

    // Now, if there were any errors, display the messages, and return false to prevent the form from being submitted.  Otherwise return true.
    if (!empty_fields && !errors) return true;
	    errors;
    	alert(errors);
    return false;
}