Trying To Understand Why Keychain Locked

My account is the admin account on my Powerbook. Yesterday, I went into the System Preferences, Accounts applet and changed my password for the system. Everything seemed to work fine until I logged out and tried to log back in. Although the system let me back in, the login keychain would not unlock. I went into the keychain utility, and tried to force the unlock using both the new and old passwords, and nothing worked. Ultimately, I deleted the login keychain and started a new one.
Is there any reason that the password for the login keychain would not change at the same time the system password changed? If I change passwords again, is there a good way to go about avoiding the locked keychain?

My account is the admin account on my Powerbook.
Yesterday, I went into the System Preferences,
Accounts applet and changed my password for the
system. Everything seemed to work fine until I
logged out and tried to log back in. Although the
system let me back in, the login keychain would not
unlock. I went into the keychain utility, and tried
to force the unlock using both the new and old
passwords, and nothing worked. Ultimately, I
deleted the login keychain and started a new one.
Is there any reason that the password for the login
keychain would not change at the same time the system
password changed? If I change passwords again, is
there a good way to go about avoiding the locked
keychain?
Obviously - this isn't normal.
Did you have the same password before for both your login keychain and the user account? Having a different password on the keychain in the first place is the only legitimate reason I know of to have what you describe happen (i.e. changing the user account cannot possibly change the login password in keychains.)
If not - then your only hope is posting (or looking over) the console and system logs to look back in time when you made the change.
Try opening the console app and look over the logs - especially the console log, the system log and /var/log/secure.log

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        frame.setTitle("Exercise 11.8: Multiple Windows Demo");
        frame.setDefaultCloseOperation(JFrame.EXIT_ON_CLOSE);
        frame.setVisible(true);
      public Exercise12_17() {
        // Add buttons to the main frame
        getContentPane().setLayout(new FlowLayout());
        getContentPane().add(jbtCalc = new JButton("Simple Calculator"));
         getContentPane().add(jbtMortgage = new JButton("Mortgage"));
        // Register the main frame as listener for the buttons
        jbtCalc.addActionListener(this);
         jbtMortgage.addActionListener(this);
      public void actionPerformed(ActionEvent e) {
        String arg = e.getActionCommand();
        if (e.getSource() instanceof JButton)
          if ("Simple Calculator".equals(arg)) {
            //show the MenuDemo frame
            jbtCalc.setText("Hide Simple Calculator");
            calcFrame.pack();
            calcFrame.setVisible(true);
          else if ("Hide Simple Calculator".equals(arg)) {
            calcFrame.setVisible(false);
            jbtCalc.setText("Simple Calculator");
          else if ("Mortgage".equals(arg)) {
            //show the CheckboxGroup frame
            mortgageAppletFrame.pack();
            jbtMortgage.setText("Hide Mortgage");
            mortgageAppletFrame.setVisible(true);
          else if ("Hide Mortgage".equals(arg)) {
            mortgageAppletFrame.setVisible(false);
            jbtMortgage.setText("Mortgage");
      class MortgageApplet extends JApplet
      implements ActionListener {
      // Declare and create text fields for interest rate
      // year, loan amount, monthly payment, and total payment
      private JTextField jtfAnnualInterestRate = new JTextField();
      private JTextField jtfNumOfYears = new JTextField();
      private JTextField jtfLoanAmount = new JTextField();
      private JTextField jtfMonthlyPayment = new JTextField();
      private JTextField jtfTotalPayment = new JTextField();
      // Declare and create a Compute Mortgage button
      private JButton jbtComputeMortgage = new JButton("Compute Mortgage");
      /** Initialize user interface */
      public void init() {
        // Set properties on the text fields
        jtfMonthlyPayment.setEditable(false);
        jtfTotalPayment.setEditable(false);
        // Right align text fields
        jtfAnnualInterestRate.setHorizontalAlignment(JTextField.RIGHT);
        jtfNumOfYears.setHorizontalAlignment(JTextField.RIGHT);
        jtfLoanAmount.setHorizontalAlignment(JTextField.RIGHT);
        jtfMonthlyPayment.setHorizontalAlignment(JTextField.RIGHT);
        jtfTotalPayment.setHorizontalAlignment(JTextField.RIGHT);
        // Panel p1 to hold labels and text fields
        JPanel p1 = new JPanel();
        p1.setLayout(new GridLayout(5, 2));
        p1.add(new Label("Annual Interest Rate"));
        p1.add(jtfAnnualInterestRate);
        p1.add(new Label("Number of Years"));
        p1.add(jtfNumOfYears);
        p1.add(new Label("Loan Amount"));
        p1.add(jtfLoanAmount);
        p1.add(new Label("Monthly Payment"));
        p1.add(jtfMonthlyPayment);
        p1.add(new Label("Total Payment"));
        p1.add(jtfTotalPayment);
        p1.setBorder(new
          TitledBorder("Enter interest rate, year and loan amount"));
        // Panel p2 to hold the button
        JPanel p2 = new JPanel();
        p2.setLayout(new FlowLayout(FlowLayout.RIGHT));
        p2.add(jbtComputeMortgage);
        // Add the components to the applet
        getContentPane().add(p1, BorderLayout.CENTER);
        getContentPane().add(p2, BorderLayout.SOUTH);
        // Register listener
        jbtComputeMortgage.addActionListener(this);
      /** Handle the "Compute Mortgage" button */
      public void actionPerformed(ActionEvent e) {
        if (e.getSource() == jbtComputeMortgage) {
          // Get values from text fields
          double interest = (Double.valueOf(
            jtfAnnualInterestRate.getText())).doubleValue();
          int year =
            (Integer.valueOf(jtfNumOfYears.getText())).intValue();
          double loan =
            (Double.valueOf(jtfLoanAmount.getText())).doubleValue();
          // Create a mortgage object
          Mortgage m = new Mortgage(interest, year, loan);
          // Display monthly payment and total payment
          jtfMonthlyPayment.setText(String.valueOf(m.monthlyPayment()));
          jtfTotalPayment.setText(String.valueOf(m.totalPayment()));
    class MenuDemo extends JFrame implements ActionListener {
      // Text fields for Number 1, Number 2, and Result
      private JTextField jtfNum1, jtfNum2, jtfResult;
      // Buttons "Add", "Subtract", "Multiply" and "Divide"
      private JButton jbtAdd, jbtSub, jbtMul, jbtDiv;
      // Menu items "Add", "Subtract", "Multiply","Divide" and "Close"
      private JMenuItem jmiAdd, jmiSub, jmiMul, jmiDiv, jmiClose;
      /** Main method */
      public static void main(String[] args) {
        MenuDemo frame = new MenuDemo();
        frame.setDefaultCloseOperation(JFrame.EXIT_ON_CLOSE);
        frame.pack();
        frame.setVisible(true);
      /** Default constructor */
      public MenuDemo() {
        setTitle("Menu Demo");
        // Create menu bar
        JMenuBar jmb = new JMenuBar();
        // Set menu bar to the frame
        setJMenuBar(jmb);
        // Add menu "Operation" to menu bar
        JMenu operationMenu = new JMenu("Operation");
        operationMenu.setMnemonic('O');
        jmb.add(operationMenu);
        // Add menu "Exit" in menu bar
        JMenu exitMenu = new JMenu("Exit");
        exitMenu.setMnemonic('E');
        jmb.add(exitMenu);
        // Add menu items with mnemonics to menu "Operation"
        operationMenu.add(jmiAdd= new JMenuItem("Add", 'A'));
        operationMenu.add(jmiSub = new JMenuItem("Subtract", 'S'));
        operationMenu.add(jmiMul = new JMenuItem("Multiply", 'M'));
        operationMenu.add(jmiDiv = new JMenuItem("Divide", 'D'));
        exitMenu.add(jmiClose = new JMenuItem("Close", 'C'));
        // Set keyboard accelerators
        jmiAdd.setAccelerator(
          KeyStroke.getKeyStroke(KeyEvent.VK_A, ActionEvent.CTRL_MASK));
        jmiSub.setAccelerator(
          KeyStroke.getKeyStroke(KeyEvent.VK_S, ActionEvent.CTRL_MASK));
        jmiMul.setAccelerator(
          KeyStroke.getKeyStroke(KeyEvent.VK_M, ActionEvent.CTRL_MASK));
        jmiDiv.setAccelerator(
          KeyStroke.getKeyStroke(KeyEvent.VK_D, ActionEvent.CTRL_MASK));
        // Panel p1 to hold text fields and labels
        JPanel p1 = new JPanel();
        p1.setLayout(new FlowLayout());
        p1.add(new JLabel("Number 1"));
        p1.add(jtfNum1 = new JTextField(3));
        p1.add(new JLabel("Number 2"));
        p1.add(jtfNum2 = new JTextField(3));
        p1.add(new JLabel("Result"));
        p1.add(jtfResult = new JTextField(4));
        jtfResult.setEditable(false);
        // Panel p2 to hold buttons
        JPanel p2 = new JPanel();
        p2.setLayout(new FlowLayout());
        p2.add(jbtAdd = new JButton("Add"));
        p2.add(jbtSub = new JButton("Subtract"));
        p2.add(jbtMul = new JButton("Multiply"));
        p2.add(jbtDiv = new JButton("Divide"));
        // Add panels to the frame
        getContentPane().setLayout(new BorderLayout());
        getContentPane().add(p1, BorderLayout.CENTER);
        getContentPane().add(p2, BorderLayout.SOUTH);
        // Register listeners
        jbtAdd.addActionListener(this);
        jbtSub.addActionListener(this);
        jbtMul.addActionListener(this);
        jbtDiv.addActionListener(this);
        jmiAdd.addActionListener(this);
        jmiSub.addActionListener(this);
        jmiMul.addActionListener(this);
        jmiDiv.addActionListener(this);
        jmiClose.addActionListener(this);
      /** Handle ActionEvent from buttons and menu items */
      public void actionPerformed(ActionEvent e) {
        String actionCommand = e.getActionCommand();
        // Handle button events
        if (e.getSource() instanceof JButton) {
          if ("Add".equals(actionCommand))
            calculate('+');
          else if ("Subtract".equals(actionCommand))
            calculate('-');
          else if ("Multiply".equals(actionCommand))
            calculate('*');
          else if ("Divide".equals(actionCommand))
            calculate('/');
        else if (e.getSource() instanceof JMenuItem) {
          // Handle menu item events
          if ("Add".equals(actionCommand))
            calculate('+');
          else if ("Subtract".equals(actionCommand))
            calculate('-');
          else if ("Multiply".equals(actionCommand))
            calculate('*');
          else if ("Divide".equals(actionCommand))
            calculate('/');
          else if ("Close".equals(actionCommand))
            System.exit(0);
      /** Calculate and show the result in jtfResult */
      private void calculate(char operator) {
        // Obtain Number 1 and Number 2
        int num1 = (Integer.parseInt(jtfNum1.getText().trim()));
        int num2 = (Integer.parseInt(jtfNum2.getText().trim()));
        int result = 0;
        // Perform selected operation
        switch (operator) {
          case '+': result = num1 + num2;
                    break;
          case '-': result = num1 - num2;
                    break;
          case '*': result = num1 * num2;
                    break;
          case '/': result = num1 / num2;
        // Set result in jtfResult
        jtfResult.setText(String.valueOf(result));
    Original 2 button menu example....
    // Exercise11_8.java: Create multiple windows
    import java.awt.*;
    import java.awt.event.*;
    import javax.swing.*;
    public class Exercise11_8 extends JFrame implements ActionListener {
      // Declare and create a frame: an instance of MenuDemo
      MenuDemo calcFrame = new MenuDemo();
      // Declare and create a frame: an instance of RadioButtonDemo
      RadioButtonDemo lightsFrame = new RadioButtonDemo();
      // Declare two buttons for displaying frames
      private JButton jbtCalc;
      private JButton jbtLights;
      public static void main(String[] args) {
        Exercise11_8 frame = new Exercise11_8();
        frame.setSize( 400, 70 );
        frame.setTitle("Exercise 11.8: Multiple Windows Demo");
        frame.setDefaultCloseOperation(JFrame.EXIT_ON_CLOSE);
        frame.setVisible(true);
      public Exercise11_8() {
        // Add buttons to the main frame
        getContentPane().setLayout(new FlowLayout());
        getContentPane().add(jbtCalc = new JButton("Simple Calculator"));
        getContentPane().add(jbtLights = new JButton("Traffic Lights"));
        // Register the main frame as listener for the buttons
        jbtCalc.addActionListener(this);
        jbtLights.addActionListener(this);
      public void actionPerformed(ActionEvent e) {
        String arg = e.getActionCommand();
        if (e.getSource() instanceof JButton)
          if ("Simple Calculator".equals(arg)) {
            //show the MenuDemo frame
            jbtCalc.setText("Hide Simple Calculator");
            calcFrame.pack();
            calcFrame.setVisible(true);
          else if ("Hide Simple Calculator".equals(arg)) {
            calcFrame.setVisible(false);
            jbtCalc.setText("Simple Calculator");
          else if ("Traffic Lights".equals(arg)) {
            //show the CheckboxGroup frame
            lightsFrame.pack();
            jbtLights.setText("Hide Traffic Lights");
            lightsFrame.setVisible(true);
          else if ("Hide Traffic Lights".equals(arg)) {
            lightsFrame.setVisible(false);
            jbtLights.setText("Traffic Lights");
         class RadioButtonDemo extends JFrame
      implements ItemListener {
      // Declare radio buttons
      private JRadioButton jrbRed, jrbYellow, jrbGreen;
      // Declare a radio button group
      private ButtonGroup btg = new ButtonGroup();
      // Declare a traffic light display panel
      private Light light;
      /** Main method */
      public static void main(String[] args) {
        RadioButtonDemo frame = new RadioButtonDemo();
        frame.setDefaultCloseOperation(JFrame.EXIT_ON_CLOSE);
        frame.setSize(250, 170);
        frame.setVisible(true);
      /** Default constructor */
      public RadioButtonDemo() {
        setTitle("RadioButton Demo");
        // Add traffic light panel to panel p1
        JPanel p1 = new JPanel();
        p1.setSize(200, 200);
        p1.setLayout(new FlowLayout(FlowLayout.CENTER));
        light = new Light();
        light.setSize(40, 90);
        p1.add(light);
        // Put the radio button in Panel p2
        JPanel p2 = new JPanel();
        p2.setLayout(new FlowLayout());
        p2.add(jrbRed = new JRadioButton("Red", true));
        p2.add(jrbYellow = new JRadioButton("Yellow", false));
        p2.add(jrbGreen = new JRadioButton("Green", false));
        // Set keyboard mnemonics
        jrbRed.setMnemonic('R');
        jrbYellow.setMnemonic('Y');
        jrbGreen.setMnemonic('G');
        // Group radio buttons
        btg.add(jrbRed);
        btg.add(jrbYellow);
        btg.add(jrbGreen);
        // Place p1 and p2 in the frame
        getContentPane().setLayout(new BorderLayout());
        getContentPane().add(p1, BorderLayout.CENTER);
        getContentPane().add(p2, BorderLayout.SOUTH);
        // Register listeners for check boxes
        jrbRed.addItemListener(this);
        jrbYellow.addItemListener(this);
        jrbGreen.addItemListener(this);
      /** Handle checkbox events */
      public void itemStateChanged(ItemEvent e) {
        if (jrbRed.isSelected())
          light.turnOnRed(); // Set red light
        if (jrbYellow.isSelected())
          light.turnOnYellow(); // Set yellow light
        if (jrbGreen.isSelected())
          light.turnOnGreen(); // Set green light
    // Three traffic lights shown in a panel
    class Light extends JPanel {
      private boolean red;
      private boolean yellow;
      private boolean green;
      /** Default constructor */
      public Light() {
        turnOnGreen();
      /** Set red light on */
      public void turnOnRed() {
        red = true;
        yellow = false;
        green = false;
        repaint();
      /** Set yellow light on */
      public void turnOnYellow() {
        red = false;
        yellow = true;
        green = false;
        repaint();
      /** Set green light on */
      public void turnOnGreen() {
        red = false;
        yellow = false;
        green = true;
        repaint();
      /** Display lights */
      public void paintComponent(Graphics g) {
        super.paintComponent(g);
        if (red) {
          g.setColor(Color.red);
          g.fillOval(10, 10, 20, 20);
          g.setColor(Color.black);
          g.drawOval(10, 35, 20, 20);
          g.drawOval(10, 60, 20, 20);
          g.drawRect(5, 5, 30, 80);
        else if (yellow) {
          g.setColor(Color.yellow);
          g.fillOval(10, 35, 20, 20);
          g.setColor(Color.black);
          g.drawRect(5, 5, 30, 80);
          g.drawOval(10, 10, 20, 20);
          g.drawOval(10, 60, 20, 20);
        else if (green) {
          g.setColor(Color.green);
          g.fillOval(10, 60, 20, 20);
          g.setColor(Color.black);
          g.drawRect(5, 5, 30, 80);
          g.drawOval(10, 10, 20, 20);
          g.drawOval(10, 35, 20, 20);
        else {
          g.setColor(Color.black);
          g.drawRect(5, 5, 30, 80);
          g.drawOval(10, 10, 20, 20);
          g.drawOval(10, 35, 20, 20);
          g.drawOval(10, 60, 20, 20);
      /** Set preferred size */
      public Dimension getPreferredSize() {
        return new Dimension(40, 90);
    class MenuDemo extends JFrame implements ActionListener {
      // Text fields for Number 1, Number 2, and Result
      private JTextField jtfNum1, jtfNum2, jtfResult;
      // Buttons "Add", "Subtract", "Multiply" and "Divide"
      private JButton jbtAdd, jbtSub, jbtMul, jbtDiv;
      // Menu items "Add", "Subtract", "Multiply","Divide" and "Close"
      private JMenuItem jmiAdd, jmiSub, jmiMul, jmiDiv, jmiClose;
      /** Main method */
      public static void main(String[] args) {
        MenuDemo frame = new MenuDemo();
        frame.setDefaultCloseOperation(JFrame.EXIT_ON_CLOSE);
        frame.pack();
        frame.setVisible(true);
      /** Default constructor */
      public MenuDemo() {
        setTitle("Menu Demo");
        // Create menu bar
        JMenuBar jmb = new JMenuBar();
        // Set menu bar to the frame
        setJMenuBar(jmb);
        // Add menu "Operation" to menu bar
        JMenu operationMenu = new JMenu("Operation");
        operationMenu.setMnemonic('O');
        jmb.add(operationMenu);
        // Add menu "Exit" in menu bar
        JMenu exitMenu = new JMenu("Exit");
        exitMenu.setMnemonic('E');
        jmb.add(exitMenu);
        // Add menu items with mnemonics to menu "Operation"
        operationMenu.add(jmiAdd= new JMenuItem("Add", 'A'));
        operationMenu.add(jmiSub = new JMenuItem("Subtract", 'S'));
        operationMenu.add(jmiMul = new JMenuItem("Multiply", 'M'));
        operationMenu.add(jmiDiv = new JMenuItem("Divide", 'D'));
        exitMenu.add(jmiClose = new JMenuItem("Close", 'C'));
        // Set keyboard accelerators
        jmiAdd.setAccelerator(
          KeyStroke.getKeyStroke(KeyEvent.VK_A, ActionEvent.CTRL_MASK));
        jmiSub.setAccelerator(
          KeyStroke.getKeyStroke(KeyEvent.VK_S, ActionEvent.CTRL_MASK));
        jmiMul.setAccelerator(
          KeyStroke.getKeyStroke(KeyEvent.VK_M, ActionEvent.CTRL_MASK));
        jmiDiv.setAccelerator(
          KeyStroke.getKeyStroke(KeyEvent.VK_D, ActionEvent.CTRL_MASK));
        // Panel p1 to hold text fields and labels
        JPanel p1 = new JPanel();
        p1.setLayout(new FlowLayout());
        p1.add(new JLabel("Number 1"));
        p1.add(jtfNum1 = new JTextField(3));
        p1.add(new JLabel("Number 2"));
        p1.add(jtfNum2 = new JTextField(3));
        p1.add(new JLabel("Result"));
        p1.add(jtfResult = new JTextField(4));
        jtfResult.setEditable(false);
        // Panel p2 to hold buttons
        JPanel p2 = new JPanel();
        p2.setLayout(new FlowLayout());
        p2.add(jbtAdd = new JButton("Add"));
        p2.add(jbtSub = new JButton("Subtract"));
        p2.add(jbtMul = new JButton("Multiply"));
        p2.add(jbtDiv = new JButton("Divide"));
        // Add panels to the frame
        getContentPane().setLayout(new BorderLayout());
        getContentPane().add(p1, BorderLayout.CENTER);
        getContentPane().add(p2, BorderLayout.SOUTH);
        // Register listeners
        jbtAdd.addActionListener(this);
        jbtSub.addActionListener(this);
        jbtMul.addActionListener(this);
        jbtDiv.addActionListener(this);
        jmiAdd.addActionListener(this);
        jmiSub.addActionListener(this);
        jmiMul.addActionListener(this);
        jmiDiv.addActionListener(this);
        jmiClose.addActionListener(this);
      /** Handle ActionEvent from buttons and menu items */
      public void actionPerformed(ActionEvent e) {
        String actionCommand = e.getActionCommand();
        // Handle button events
        if (e.getSource() instanceof JButton) {
          if ("Add".equals(actionCommand))
            calculate('+');
          else if ("Subtract".equals(actionCommand))
            calculate('-');
          else if ("Multiply".equals(actionCommand))
            calculate('*');
          else if ("Divide".equals(actionCommand))
            calculate('/');
        else if (e.getSource() instanceof JMenuItem) {
          // Handle menu item events
          if ("Add".equals(actionCommand))
            calculate('+');
          else if ("Subtract".equals(actionCommand))
            calculate('-');
          else if ("Multiply".equals(actionCommand))
            calculate('*');
          else if ("Divide".equals(actionCommand))
            calculate('/');
          else if ("Close".equals(actionCommand))
            System.exit(0);
      /** Calculate and show the result in jtfResult */
      private void calculate(char operator) {
        // Obtain Number 1 and Number 2
        int num1 = (Integer.parseInt(jtfNum1.getText().trim()));
        int num2 = (Integer.parseInt(jtfNum2.getText().trim()));
        int result = 0;
        // Perform selected operation
        switch (operator) {
          case '+': result = num1 + num2;
                    break;
          case '-': result = num1 - num2;
                    break;
          case '*': result = num1 * num2;
                    break;
          case '/': result = num1 / num2;
        // Set result in jtfResult
        jtfResult.setText(String.valueOf(result));
    Mortgage applet code....
    // MortgageApplet.java: Applet for computing mortgage payments
    import java.awt.*;
    import java.awt.event.*;
    import javax.swing.*;
    import javax.swing.border.TitledBorder;
    public class MortgageApplet extends JApplet
      implements ActionListener {
      // Declare and create text fields for interest rate
      // year, loan amount, monthly payment, and total payment
      private JTextField jtfAnnualInterestRate = new JTextField();
      private JTextField jtfNumOfYears = new JTextField();
      private JTextField jtfLoanAmount = new JTextField();
      private JTextField jtfMonthlyPayment = new JTextField();
      private JTextField jtfTotalPayment = new JTextField();
      // Declare and create a Compute Mortgage button
      private JButton jbtComputeMortgage = new JButton("Compute Mortgage");
      /** Initialize user interface */
      public void init() {
        // Set properties on the text fields
        jtfMonthlyPayment.setEditable(false);
        jtfTotalPayment.setEditable(false);
        // Right align text fields
        jtfAnnualInterestRate.setHorizontalAlignment(JTextField.RIGHT);
        jtfNumOfYears.setHorizontalAlignment(JTextField.RIGHT);
        jtfLoanAmount.setHorizontalAlignment(JTextField.RIGHT);
        jtfMonthlyPayment.setHorizontalAlignment(JTextField.RIGHT);
        jtfTotalPayment.setHorizontalAlignment(JTextField.RIGHT);
        // Panel p1 to hold labels and text fields
        JPanel p1 = new JPanel();
        p1.setLayout(new GridLayout(5, 2));
        p1.add(new Label("Annual Interest Rate"));
        p1.add(jtfAnnualInterestRate);
        p1.add(new Label("Number of Years"));
        p1.add(jtfNumOfYears);
        p1.add(new Label("Loan Amount"));
        p1.add(jtfLoanAmount);
        p1.add(new Label("Monthly Payment"));
        p1.add(jtfMonthlyPayment);
        p1.add(new Label("Total Payment"));
        p1.add(jtfTotalPayment);
        p1.setBorder(new
          TitledBorder("Enter interest rate, year and loan amount"));
        // Panel p2 to hold the button
        JPanel p2 = new JPanel();
        p2.setLayout(new FlowLayout(FlowLayout.RIGHT));
        p2.add(jbtComputeMortgage);
        // Add the components to the applet
        getContentPane().add(p1, BorderLayout.CENTER);
        getContentPane().add(p2, BorderLayout.SOUTH);
        // Register listener
        jbtComputeMortgage.addActionListener(this);
      /** Handle the "Compute Mortgage" button */
      public void actionPerformed(ActionEvent e) {
        if (e.getSource() == jbtComputeMortgage) {
          // Get values from text fields
          double interest = (Double.valueOf(
            jtfAnnualInterestRate.getText())).doubleValue();
          int year =
            (Integer.valueOf(jtfNumOfYears.getText())).intValue();
          double loan =
            (Double.valueOf(jtfLoanAmount.getText())).doubleValue();
          // Create a mortgage object
          Mortgage m = new Mortgage(interest, year, loan);
          // Display monthly payment and total payment
          jtfMonthlyPayment.setText(String.valueOf(m.monthlyPayment()));
          jtfTotalPayment.setText(String.valueOf(m.totalPayment()));
    }

    Does it have to be an applet?
    If you want the same behaviour as in the code with traffic lights, change
    class MortgageApplet extends JApplet implements ActionListener {
    to
    class MortgageApplet extends JFrame implements ActionListener {
    and change
    public void init() {
    to
    public MortgageApplet() {                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           

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