i ahve the time left part, all i need is a bit of code to go in, so that after someone inserts the money value it will go into the bank for 24 hours, after the 24 hours when they go to that page, they get their money back plus the 3 % of the money they put in in the first place. so it would need to calculate 3% of hte money they put in, and after 24 hours give it back plus the money they put in first.