obj = "document.frm1.";

 function validate_EmptyFields(){

   arrFlds = "txtFirstName:First Name,txtLastName:Last Name,txtAddress:Address,txtZipcode:Zipcode,txtHomePhone:Home Phone,txtEMail:Email,selGender:Gender,selTobacco:Tobacco,selHeightFT:Height (feet),selHeightIN:Height (inches),selCoverageTerm:Term Length,selCoverageAmount:Coverage Amount,txtWeight:Weight,selDOBMonth:birthdate (month),selDOBDay:birthdate (day),selDOBYear:birthdate (year),selQuestion1: Previous Health Condition(s)";
   errMsg = validate(arrFlds);
		      
   if (errMsg!="") {
	  indFields = errMsg.split(":");  
	  alert("The " + indFields[1] + " field is blank; Please correct and click Submit.");
	  eval(obj+indFields[0]+".focus()");
	  return false;
   }	
 }
 
 function validate(arrFields)
 {
	var FieldsArr = arrFields.split(",");
	var arrLen = FieldsArr.length;
	returnStr = "";
	
	for (i=0;i < arrLen;i++)
	{
		indFields = FieldsArr[i].split(":");
		if(eval(obj+indFields[0]+".value")=="")
		{
			returnStr = FieldsArr[i];
			break;
		}
	}
	return returnStr;
 }