function validateExtra(step) {
	if (!validate()) {
		return false;
	}
	var f = document.mainForm;
	var errors = [];
	
	// note - passed validate(), so fields are presumably
	//   in the proper format, so no further massaging required
	
	if (step == 1) {
		// mileage less than 100,000
		if (f.mileage.value >= 100000) 
			errors.push('Sorry, we can only issue warranties for cars with less than 100,000 miles.');
		if (f.state.value == '') {
			// retry getting state
			loadState(f.zip);
			if (f.state.value == '') 
				errors.push("We're sorry, but we don't currently offer any warranty products in your state.  But we're expanding fast, so please check back soon.");
		}
	}
	
	if (step == 2) {
		// one phone number required
		if (!isValidPhoneNumber(f.phone1.value) && !isValidPhoneNumber(f.phone2.value)) 
			errors.push('Please fill in at least one valid phone number (US, with area code).');
		else if (val('preferphone') == '1' && !isValidPhoneNumber(f.phone1.value)) 
			errors.push('Please fill in a valid Home Phone, or change your Preferred Number selection to "Work" above.');
		else if (val('preferphone') == '2' && !isValidPhoneNumber(f.phone2.value)) 
			errors.push('Please fill in a valid Work Phone, or change your Preferred Number selection to "Home" above.');
	}
	
	if (step == 3) {
		// one xphone number required
		if (!isValidPhoneNumber(f.xphone1.value) && !isValidPhoneNumber(f.xphone2.value)) 
			errors.push('Please fill in at least one valid phone number (US, with area code).');
		else if (val('xpreferphone') == '1' && !isValidPhoneNumber(f.xphone1.value)) 
			errors.push('Please fill in a valid Home Phone, or change your Preferred Number selection to "Work" above.');
		else if (val('xpreferphone') == '2' && !isValidPhoneNumber(f.xphone2.value)) 
			errors.push('Please fill in a valid Work Phone, or change your Preferred Number selection to "Home" above.');
	}
	
	if (step == 4) {
		var c = clicked.length;
		if (c < 1) 
			errors.push('Please choose at least one quote.');
		if (c > 4) 
			errors.push('Please choose at most four quotes.');
	}
	
	if (errors.length > 0) {
		alert(errors.join("\n\n"));
		return false;
	}
	return true;
}