I understand so much, but I know so little-swing

ok here is the code it works great, but now I want to add a scrollpane  with a large text feild that a user can immplment at the touch of a button, I got this far with a lot of help, only it was too much help and now that I am on my own I am soooooo confused. Please work with me so I can really learn how to do this for myself, if that could happen life would be good. I understand so much, but I know so little it seems when it comes to writing my own code, Thank you so much, Charlie




import java.awt.*;  
import javax.swing.*;  
import java.awt.event.*;  
import java.text.*;  
 
public class Hw_prog1 extends JFrame {

Hw_prog1Event TRON = new Hw_prog1Event(this);  
JButton Calculate;
JButton Clear;  
JButton Exit;

Panel File1  = new Panel();  
Label PrincipalLabel = new Label("$Enter Loan Amount:",Label.CENTER);   //create first row (File)      
TextField LonAmt = new TextField(10);  

Panel File2 = new Panel();  
Label RateLabel = new Label("0.0Enter Interest Rate:",Label.CENTER);   //create second row (File)      
TextField Rat = new TextField(10);  

Panel File3 = new Panel();  
Label TermLabel = new Label("Enter Term-Years:",Label.CENTER);   //create third row (File)      
TextField Trm = new TextField(10);  

Panel File4 = new Panel();  
Label PaymentLabel = new Label("Monthly Payments:",Label.CENTER);   //create forth row (File)      
TextField MthlyPymnt = new TextField(10);  

Panel File5 = new Panel();   //create fifth row (Buttons)      
 
//create  borders(Grid layout)  
public Hw_prog1() {  //Reference the main method
super("McBride.Financial.MortCal");  //Calling setSize  
setSize(875,130);   //set size

//name Buttons
Calculate = new JButton("Calculate");  
Clear = new JButton("New Amount");  
Exit = new JButton("Exit");  
setDefaultCloseOperation(JFrame.EXIT_ON_CLOSE); //inform Frame to close
   
GridLayout layout =new GridLayout(1, 5, 10, 10); //calls the TextFeild & sets paramerters  
Container pane = getContentPane();  //holds the feilds in place & generates a ‚ÄòContainer‚Äô object that represents the pane
pane.setLayout(layout); // checks known parameters

PrincipalLabel.setForeground(Color.magenta);
RateLabel.setForeground(Color.blue);
TermLabel.setForeground(Color.magenta);
PaymentLabel.setForeground(Color.red);

Calculate.setForeground(Color.magenta);
Clear.setForeground(Color.blue);
Exit.setForeground(Color.red);


pane.setForeground(Color.blue);

//TRON listens for Button fuctions
Calculate.addActionListener(TRON);  
Clear.addActionListener(TRON);  
Exit.addActionListener(TRON);

//‚FlowLayout‚a components fall into place from left to right  
FlowLayout mgr = new FlowLayout(FlowLayout.CENTER,10, 10); //sets parameters  
File1 .setLayout(mgr); //Directs the user were to place data  
File1 .add(PrincipalLabel); //add Component  
File1 .add(LonAmt); //add Component    
pane.add(File1 );  

FlowLayout layout2 = new FlowLayout(FlowLayout.CENTER,10, 10);  
File2.setLayout(layout2);  
File2.add(RateLabel);  
File2.add(Rat);  
pane.add(File2);  

FlowLayout layout3 = new FlowLayout(FlowLayout.CENTER,10, 10);  
File3.setLayout(layout3);  
File3.add(TermLabel);  
File3.add(Trm);  
pane.add(File3);  

FlowLayout layout4 = new FlowLayout(FlowLayout.CENTER,10, 10);  
MthlyPymnt.setEditable(false);  
File4.setLayout(layout4);  
File4.add(PaymentLabel);  
File4.add(MthlyPymnt);  
pane.add(File4);  

FlowLayout layout5 = new FlowLayout(FlowLayout.CENTER,5, 5);  
File5.setLayout(layout5);  
File5.add(Calculate);  
File5.add(Clear);  
File5.add(Exit);  
pane.add(File5);  
setVisible(true);  
}  

public static void main(String[] arguments) {  
Hw_prog1 frame = new Hw_prog1();  
}
class Hw_prog1Event implements ActionListener {  
Hw_prog1 virtual;  

public Hw_prog1Event(Hw_prog1 in) {  
virtual=in;  
}  
public void actionPerformed(ActionEvent event) {  
String command = event.getActionCommand();  
if (event.getSource() == Calculate)  
 LaunchComputation();  
if (event.getSource() == Clear)  
reset();  
if (event.getSource() == Exit)  
System.exit(0);  
}  
void LaunchComputation() {  // sub-program to do math
 try   //when called
 {  
double LonAmt = Double.valueOf(virtual.LonAmt.getText()).doubleValue();   // Object & string, double value when Tron calls virtual
double Rat = Double.valueOf(virtual.Rat.getText()).doubleValue();  
int Trm = Integer.parseInt(virtual.Trm.getText());  
int totalmonths = (Trm*12);  
double Payment = 0;  
String monthlyPayment = new String();  
NumberFormat currency = NumberFormat.getCurrencyInstance();  
double I = (Rat/100.0/12.0);  

Payment = (LonAmt*I)/(1-Math.pow(1/(1+I),totalmonths));  
virtual.MthlyPymnt.setText(currency.format(Payment));  
} catch (NumberFormatException ex){  
}  
}  
protected void reset(){  
virtual.LonAmt.setText(null);  
virtual.Rat.setText(null);  
virtual.Trm.setText(null);  
virtual.MthlyPymnt.setText(null);  
}  
}  

 
}