function isValid() {

	var ex_err="no";

 	// check for name entered
	var val_email=document.step1.email.value;
	var val_phone=document.step1.phone.value;
	if (val_phone==""){
		if (val_email==""){
	 		ex_err="yes";
	 		alert ('Please enter your Email or Phone Number');
 		}
	}

 if (ex_err=="no")
 //alert('You have not entered an account number')
  return true;
 else return false;
 // alert ('Please select a profession')
//return false;
}