function westOfMS(shipState) {
  // this function returns true if the state is west of the Mississippi
  retval = true;
  cisMiss = new Array("WI","IN","IL","KY","MS","MI","IN","KY","TN","AL","OH","WV","ME","NH","CT","MA","VT","RI","NY","PA","NJ","DE","MD","VA","NC","SC","GA","FL");

  surcharge = "2";

  for (i=0; i<cisMiss.length; i++) {
    if (shipState == cisMiss[i]) {
      surcharge = "0";
    } // end if
  } // end for
  document.getElementById('surcharge').value = surcharge;
  //return retval;
}

function validate(theForm) {
  shipState = document.getElementById('state').value;
  westOfMS(shipState);
}