sub chkfmt {
   if ((!$DISCPCNT || !$DISCDAYSDUE || !$NETDAYSDUE || $NETDUEDATE || $TERMSDISCAMT) ||
       (!$DISCDUEDATE || !$TERMSDISCAMT || $DISCPCNT || $DISCDAYSDUE || $NETDUEDATE || $NETDAYSDUE) ||
       (!$DISCPCNT || !$DISCDUEDATE || $DISCDAYSDUE || $NETDUEDATE || $NETDAYSDUE || $TERMSDISCAMT))
   {
      print TSERROUT "...";
   }
}