Classified Ad Payment Form

Hi, This is past my skill level so I need help. We need a more functional paid classified line ad form. Our current, clunky ( I wrote it so it's okay if I call it clunky) ad form appears here. [login to view URL] We would like to make this form self-service, to include: - A place for the person to enter an ad. - Perform calculations to get the correct price total. - Ad category is selected. - checks to make sure that the person abides by our ad criteria: Guaranteed ads (20 words free for $3.00, 10 cents for extra words up to a max of 50 words). Photo ads (20 words free for $6.00, 10 cents for extra words up to a max of 50 words) We also need the abilty to have a picture uploaded - The ability to send total to our credit card processing companies gateway. if the put a photo ad in. We would also like if the text ads can be spell checked, make sure ads are not all in caps, and a way to prevent people from cheating with word count (running words together, using hyphens to cheat word count, etc) Thank you