**'Private Sub Userform_Initialize()
'add Title Options to Title list and Pension Factor lists on document open
 '   optGreeting1.Value = True
 '   With CboTitle
 '       .AddItem "Mr"
 '       .AddItem "Mrs"
 '       .AddItem "Ms"
 '       .AddItem "Miss"
 '       .AddItem "Doctor"
 '       .AddItem "Master"
 '   End With
 '   With LstbxPenFact
 '       .AddItem "<6  4"
 '       .AddItem "65-74 5"
 '       .AddItem "75-84 6"
 '       .AddItem "85-94 7"
 '       .AddItem "95+  14"
 '   End With
 'End Sub
 Private Sub CalculateTotalincome()
    Dim TxtTotalIncome As Long
    Set TotalIncome = Me.TxtIncome.Value
    TxtTotalIncome = (Me.TxtCentrelink.Value + Me.txtwages.Value + Me.TxtRent.Value +
    Me.TextComSuper.Value + Me.TxtotherInc.Value)
    End Sub
     Private Sub CalculateTotalExpenses()
    Dim TxtTotalExpenses As Long
    Set TotalExpenses = Me.TxtExpenses.Value
    TxtTotalExpenses = (Me.TxtBudget.Value + Me.TxtCapex.Value)
    End Sub

     Private Sub CboTitle_Change()

     End Sub

     'Clear data in userform
     Unload Me
     ActiveDocument.Close SaveChanges:=False
     End Sub
    Private Sub Age_Click()
    Dim TxtAge As Range
    Set Me.TxtAge = Date - Me.TxtDOB
    ' Calculate  age as Today's date - The Clients Birthdate.
        dtmDate = Date
        dhAge = DateDiff("yyyy", dtmBD, dtmDate) + (dtmDate < DateSerial(Year(dtmDate), Month    (dtmBD), Day(dtmBD)))
    End Sub
   Private Sub CmdAle_Click()
   'Vlookup Average lifeexpectancy tables in excel table
   Dim EndorsebudWS As String
   Set EndorsebudWS = "S:WorkgroupWorksheets[Endorsebud.xlsx]"
   Me.TxtAle.Value = "=VLOOKUP(,A4'" & FileName1 & "LE'!$A"
   Range1 = Endorsebud.Sheets(LE).Range("A4:C113")
   myValue = Application.WorksheetFunction.VLookup("Ale", Range1, 2, False)
   End Sub
   Private Sub CmdTAGFees_Click()
   'Calculate 1.1% of Financial Investments
    Dim TxtInvestments As Long
    Dim TxtTagFees As Long
    Set ClientAssets = Me.TxtInvestments.Value
    TxtTagFees = ClientAssets * 1.1 / 100
    End Sub
   Private Sub CmdSubmit_Click()
    'replace bookmarks with userform values
    Dim Title As Range
    Set Title = ActiveDocument.Bookmarks("title").Range
    Title Text = Me.CboTitl.Value
    Dim ClientName As Range
    Set ClientName = ActiveDocument.Bookmarks("ClientName").Range
    ClientName Text = Me.TxtClientName.Value
    Dim ClientNumber As Range
    Set ClientNumber = ActiveDocument.Bookmarks("ClientNumber").Range
    ClientNumber Text = Me.TxtClientNumber.Value
    Dim ClientNumber2 As Range
    Set ClientNumber2 = ActiveDocument.Bookmarks("ClientNumber2").Range
    ClientNumber2 Text = Me.TxtClientNumber.Value
    Dim Age As Range
    Set Age = ActiveDocument.Bookmarks("Age").Range
    Age Text = Me.TxtAge.Value
    Dim DoB As Range
    Set DoB = ActiveDocument.Bookmarks("DoB").Range
    DoB Text = Me.TxtDOB.Value
    Dim Ale As Range
    Set Ale = ActiveDocument.Bookmarks("Ale").Range
    Ale Text = Me.TxtAle.Value
    Dim FmoDate As Range
    Set FmoDate = ActiveDocument.Bookmarks("FmoDate").Range
    FmoDate Text = Me.TxtFmoDate.Value
    Dim TotlAssets As Range
    Set TotalAssets = ActiveDocument.Bookmarks("TotlAssets").Range
    TotAssets Text = Me.TxtInvestments.Value
    Dim TotlAssets2 As Range
    Set TotalAssets2 = ActiveDocument.Bookmarks("TotlAssets").Range
    TotAssets2 Text = Me.TxtInvestments.Value
    Dim InvestmentAssets As Range
    Set InvestmentAssets = ActiveDocument.Bookmarks("InvestmentAssets").Range
    InvestmentAssets Text = Me.TxtInvestments.Value
    Dim TrustAccount As Range
    Set TrustAccount = ActiveDocument.Bookmarks("TrustAccount").Range
    TrustAccount Text = Me.TxtTrustAc.Value
    Dim TrustAccount2 As Range
    Set TrustAccount2 = ActiveDocument.Bookmarks("TrustAccount2").Range
    TrustAccount2 Text = Me.TxtTrustAc.Value
    Dim LastYearsExpenses As Range
    Set LastYearsExpenses = ActiveDocument.Bookmarks("LastYearsExpenses").Range
    LastYearsExpenses Text = Me.TxtPriorex.Value
    Dim PriorBudget As Range
    Set PriorBudget = ActiveDocument.Bookmarks("PriorBudget").Range
    PriorBudget Text = Me.txtPriorBudg.Value
    Dim CentrelinkIncome As Range
    Set CentrelinkIncome = ActiveDocument.Bookmarks("CentrelinkIncome").Range
    CentrelinkIncome Text = Me.TxtCentrelink.Value
    Dim AnlCentrelink As Range
    Set AnlCentrelink = ActiveDocument.Bookmarks("AnlCentrelink").Range
    AnlCentrelink Text = Me.TxtCentrelink.Value
    Dim SuperIncome As Range
    Set SuperIncome = ActiveDocument.Bookmarks("SuperIncome").Range
    SuperIncome Text = Me.TxtComSuper.Value
    Dim AnnuityIncome As Range
    Set AnnuityIncome = ActiveDocument.Bookmarks("AnnuityIncome").Range
    AnnuityIncome Text = Me.TxtOther.Value
    Dim rentalIncome As Range
    Set rentalIncome = ActiveDocument.Bookmarks("Rental Income").Range
    rentalIncome Text = Me.TxtRent.Value
    Dim TotalanlIncome As Range
    Set TotalanlIncome = ActiveDocument.Bookmarks("TotalanlIncome ").Range
    TotalanlIncome Text = Me.TxtIncomeTotal.Value
    Dim CurrentBudget As Range
    Set CurrentBudget = ActiveDocument.Bookmarks("CurrentBudget").Range
    CurrentBudget Text = Me.TxtBudget.Value
    Dim CurrentBudget2 As Range
    Set CurrentBudget2 = ActiveDocument.Bookmarks("CurrentBudget2").Range
    CurrentBudget2 Text = Me.TxtBudget.Value
    Dim Oneoffex As Range
    Set Oneoffex = ActiveDocument.Bookmarks("Oneoffex").Range
    Oneoffex Text = Me.TxtCapex.Value
    Dim Oneofex As Range
    Set Oneofex = ActiveDocument.Bookmarks("Oneofex").Range
    Oneofex Text = Me.TxtCapex.Value
    Dim Tagfees As Range
    Set Tagfees = ActiveDocument.Bookmarks("Tagfees").Range
    Tagfees Text = Me.TxtTagFees.Value
    Dim BudgetPeriod As Range
    Set BudgetPeriod = ActiveDocument.Bookmarks("BudgetPeriod").Range
    BudgetPeriod Text = Me.TxtBudgPeriod.Value
    'Calculate todays date
    Dim Todaysdate As Range
    Set Todaysdate = ActiveDocument.Bookmarks("Todaysdate").Range
    Todaysdate Text = Today()
    'calculate Cash Flow residual from Total Income-Total Expenses
    Dim BudgetResidual As Range
    Set BudgetResididual = ActiveDocument.Bookmarks("BudgetResidual").Range
    BudgetResidual Text = Me.TxtTotalIncome.Value - Me.TxtTotalIncome.Value
    Dim CashflowResidual As Range
    Set cashflowResididual = ActiveDocument.Bookmarks("CashflowResidual").Range
    CashflowResidual Text = BudgetResidual.Value
    Dim ABPInc As Range
    Set ABPInc = ActiveDocument.Bookmarks("ABPInc").Range
    ABPInc Text = Me.TxtABPen * Me.LstbxPenFact
    Dim ABPIncome As Range
    Set ABPIncome = ActiveDocument.Bookmarks("ABPIncome").Range
    ABPIncome Text = ActiveDocument.Bookmarks("ABPInc").Value
    'Calculate Living Expenses from others
    Dim LivingExps As Range
    Set LivingExps = ActiveDocument.Bookmarks("LivingExp").Range
    LivingExps Text = Me.TxtBudget - (Me.TxtTagFees + Me.TxtCapex)
    'Calculate Operating Expenses from LivingExp
    Dim OpEx As Range
    Set OpEx = ActiveDocument.Bookmarks("OpExp").Range
    OpEx Text = ActiveDocument.Range("LivingExps") + Me.TxtTagFees
    Dim NetOpRt As Range
    Set NetOpRt = ActiveDocument.Bookmarks("NetOpRt").Range
    NetOpRt Text = (Me.TxtCapex - Me.TxtTotlIncome) / (Me.TxtInvestments - Me.TxtCapex)
    Dim NetEx As Range
    Set NetEx = ActiveDocument.Bookmarks("NetEx").Range
    NetEx Text = Me.TxtTotalExpenses - Me.TxtTotlIncome / Me.TxtInvestments
    Dim GrossEx As Range
    Set GrossEx = ActiveDocument.Bookmarks("GrossEx").Range
    GrossEx = Me.TxtBudget / Me.TxtInvestments

    End Sub
   Private Sub CmdCreateLocalCopy_Click() '(ByVal Item As Object, Cancel As Boolean)
    Call SaveACopy(Endorsebud)
    Const olMsg As Long = 3
    Dim m As MailItem
    Dim savePath As String
    If TypeName(Item) <> "MailItem" Then Exit Sub
    Set m = Item
    savePath = "c:usersyour_user_namedesktop"  'Change this to real path
    savePath = savePath & m.Subject & Format(Now(), "yyyy-mm-dd-hhNNss")
    savePath = savePath & ".msg"
    m.SaveAs savePath, olMsg
    End Sub

   Private Sub TxtTotalExpenses_Change()

    End Sub