function frmSubmitChk(form,notReadyMsg) {
	var	index,											//	index for form.elements
		elementName,									//	current form elementName
		formReady		= new Array();					//	array containing incomplete form elements
	if (!notReadyMsg)									//	was notReadyMsg submitted to this function? If not, use default msg.
		var notReadyMsg	= 'Please complete the form before you click submit.';
	for (index in form.elements) {
		if (form.elements[index].name != elementName) {	//	determines if elementName was previously processed
			switch (form.elements[index].type) {
				case "radio" :
					var	elementName						= form.elements[index].name,
						elementSize						= form.eval(form.elements[index].name).length,
						notChecked						= true;
					for (i=0; i<elementSize; i++) {
						if (form.eval(elementName)[i].checked) {
							notChecked					= false;
							break;
						}
					}
					if (notChecked == true) {			//	if no buttons are checked for current element, add to list
						insertPoint						= formReady.length;
						formReady[insertPoint]			= elementName;
					}
					break;
				case "checkbox" :
					//	finish this block later
					break;
			}
		}
	}
	if (formReady.length > 0) {							//	if any elements were inserted into formReady, the for is NOT ready
		alert(notReadyMsg);
		return false;
	}
}