function chkForm(frm) {
  // the name of the form
  f = frm;

  // change msg to the name of any field you want to make required.
  if (f.first_name) {
    if (f.first_name.value == '') {
      alert('Please enter your first name.');
      return false;
    }
  }
if (f.last_name) {
    if (f.last_name.value == '') {
      alert('Please enter your last name.');
      return false;
    }
  }
if (f.dob) {
    if (f.dob.value == '') {
      alert('Please enter you date of birth.(MM/DD/YY)');
      return false;
    }
  }
if (f.ssn) {
    if (f.ssn.value == '') {
      alert('Please enter your social security number.');
      return false;
    }
  }
  if (f.email) {
    if (f.email.value == '') {
      alert('Please enter a valid email address, your confirmation will be sent there.');
      return false;
    }
  }
if (f.home_phone) {
    if (f.home_phone.value == '') {
      alert('Please provide a contact number.');
      return false;
    }
  }
}