function validate()
{  
  var pass;
  var errCnt = 0;
 
  pass = true;
     
  if (document.getElementById('pnl1'))
  {                                 
    errCnt = errCnt + checkField('txtFirstName','fname');      
    errCnt = errCnt + checkField('txtLastName','lname');              
        
    if (checkField('txtEmail','email') == 0){
      if (!isValidEmail(document.frmFindLogin.txtEmail.value)){
        pass = false;
        document.getElementById('email').style.color = 'red';
        alert('You have entered an invalid email address.  Please correct in order to continue.');        
        document.frmFindLogin.txtEmail.focus();
        document.frmFindLogin.txtEmail.select();        
      }
      else
      {
        document.getElementById('email').style.color = '';
      };    
    }
    else
    {
      errCnt++;
    };
  }
  else if (document.getElementById('pnl2')){
    errCnt = errCnt + checkField('txtSecurityAnswer','secanswer');      
  };
     
  if (errCnt > 0)
  {
    pass = false;
    if (errCnt == 1)
    {
      alert('There is 1 required field missing data.  Please correct.'); 
     }
    else if (errCnt > 1)
    {
      alert('There are ' + errCnt + ' required fields missing data.  Please correct.'); 
    };
   };
      
  return pass;
};