function checkcc(vals)
{
	
	//return false;
	//get cc info and return true or false
	m = document.licform.expM.selectedIndex;
	monthValue = document.licform.expM.options[m].text;
	
	y = document.licform.expY.selectedIndex;
	yearValue = document.licform.expY.options[y].text;
	
	dateVar = new Date();
	monthVar = dateVar.getMonth()+1;
	yearVar = dateVar.getFullYear();
	
	if(yearValue == yearVar){
		
		if(monthValue < monthVar){
			//means it was prior month
			alert('Please check your credit card month. You selected ' + monthValue);
			return false;
		}else{
			return true;
		
		}
	}else{
		return true;
	}

}