function showApplet(name) {
	el = document.getElementById('applet');
	if (el) {
		var content = eval('show_'+name+'();');
		content = content + showbuttons();
		el.innerHTML = content;
	}
}

function showbuttons() {   
    var agt       = navigator.userAgent.toLowerCase();
    var IEMAC     = ((agt.indexOf("msie") != -1) && agt.indexOf("mac")!=-1);
    var N6        = (agt.indexOf("netscape6") != -1 || (agt.indexOf("netscape/6") !=-1 ));
    if ( N6 ) {
      return "Netscape 6 is unable to support our detailed reports.  Please upgrade to Nescape 7.<P>";
    }
    if ( IEMAC ) {
      return "<P>";
    }
    return "<div style='padding-left: 384px;padding-top: 10px;'><form><input type='image' src='/i/btnCalculate.gif' class='imageBtn' name='btnCallCalc' onclick='document.calculator.calculate()'><input src='/i/btnViewReport.gif' class='imageBtn' type='image' value='View Report' name='btnOpenNote' onclick='openNote()'></form></p>";
}

function openNote(){ 
	var agt=navigator.userAgent.toLowerCase(); 
	var is_aol   = (agt.indexOf("aol") != -1);
	
	leftpos=0;
	if (screen) {
		leftpos=screen.width/2 - 300;
	} 
	
	if (is_aol) {
		var s = " ";
		s=document.calculator.sJavaScriptReport('HTML');
		document.write(s);
	} else {
		var OpenWindow=window.open("","newwin","toolbar=yes,menubar=yes,location=no,directories=no,status=no,scrollbars=yes,resizable=yes,copyhistory=no,width=600,height=700,left="+leftpos+",top=20");
		var s = " ";
		s=document.calculator.sJavaScriptReport('HTML');
		OpenWindow.document.write(s);
		OpenWindow.document.close(); 
		OpenWindow.focus();
	}
}

function show_amortizingLoan(){
	return '<APPLET name="calculator" code="SimpleLoan.class" align="baseline" WIDTH="565" HEIGHT="325" archive="dinkytown.jar" codebase="/i/calculators/">\n<PARAM name="MONTHLY_PAYMENT" value="300">\n<PARAM name="TERM_MAXIMUM_MONTHS" value="360">\n\n<PARAM name="INTEREST_RATE" value="9.00">\n<PARAM name="TERM" value="48">\n<PARAM name="LOAN_AMOUNT" value="20000">\n<PARAM name="BACKGROUND" value="/i/background.jpg">\n<PARAM name="BACKGROUND_COLOR" value="EEEEEE">\n<PARAM name="COLOR1" value="C3CED4">\n<PARAM name="COLOR2" value="C1DBD3">\n<PARAM name="BORDER" value="ROUND">\n<PARAM name="BORDER_COLOR" value="D3D3D3">\n<PARAM name="BORDER_WIDTH" value="2">\n<PARAM name="TEXT_FOR_REPORT" value="<HTML>\n<HEAD>\n<TITLE>Amortizing Loan Calculator</TITLE>\n<META HTTP-EQUIV=\'Content-Type\' CONTENT=\'text/html; charset=iso8859-1\'>\n<META NAME=\'Description\' CONTENT=\'Financial Calculators, &QCPQ;1998-2005 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net\'>\n\n<link rel=\'stylesheet\' type=\'text/css\' href=\'/i/main.css\'>\n</head>\n<BODY bgcolor=\'#FFFFFF\' LINK=\'#003399\' VLINK=\'#666666\'>\n\n<div style=\'padding: 20px;\' id=\'report\'><h1>Loan Calculator Results</h1>\n<H2>Your payment is MONTHLY_PAYMENT for a LOAN_AMOUNT loan.</H2><P>Your LOAN_AMOUNT loan has a payment of MONTHLY_PAYMENT per month for TERM months. If you make all of your payments on this loan, and do not prepay any of the principal, the total interest for this loan is INTEREST_PAID.\n\n<P><table width=468 cellspacing=1 cellpadding=5>\n<TR BGCOLOR=\'#CCCCCC\'><TD COLSPAN=2><B>Loan summary</B></TD></TR>\n<TR><TD><b>Monthly payment</b></TD><TD>MONTHLY_PAYMENT</TD></TR>\n<TR><TD><b>Loan amount</b></TD><TD>LOAN_AMOUNT</TD></TR>\n<TR><TD><b>Interest rate</b></TD><TD>INTEREST_RATE</TD></TR>\n<TR><TD><b>Term</b></TD><TD>TERM months</TD></TR>\n<TR><TD><b>Total of payments</b></TD><TD>TOTAL_OF_PAYMENTS</TD></TR>\n<TR><TD><b>Total interest paid</b></TD><TD>INTEREST_PAID</TD></TR>\n</TABLE>\n\n<h2>Payment schedule</h2>\n**REPEATING GROUP**\n\n<BR>\n\n<P class=footer>  Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.  We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </p><br><br>\n</div></BODY>\n</HTML>\n">\nThis Financial Calculator requires a Browser with Java(TM) applet Support.  If you are seeing this message you will need to download SUN\'s Java(TM) Plug-in.  This can be done simply, and automatically, by clicking the link below: <P><A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java(TM) Plug-in!</b></A>\n</APPLET>';
}

function show_mortgageQualifier(){
	return '<APPLET name="calculator" code="MortgageQualifier.class" align="baseline" WIDTH="565" HEIGHT="520" archive="dinkytown.jar" codebase="/i/calculators/">\n<PARAM name="DISABLE_HOME_INSURANCE_RATE" value="false">\n<PARAM name="DISABLE_PROPERTY_TAX_RATE" value="false">\n<PARAM name="HOME_insurance_RATE" value="0.5">\n<PARAM name="PROPERTY_TAX_RATE" value="1">\n\n<PARAM name="ANNUAL_INCOME" value="40000">\n<PARAM name="MONTHLY_CAR_PAYMENTS" value="300">\n<PARAM name="CREDIT_CARD_PAYMENTS" value="100">\n<PARAM name="OTHER_LOAN_PAYMENTS" value="0">\n<PARAM name="DOWNPAYMENT_CLOSING_CASH" value="10000">\n<PARAM name="PROPERTY_TAX_AMOUNT" value="1000">\n<PARAM name="LOAN_ORIGINATION_RATE" value="1.0">\n<PARAM name="INTEREST_RATE" value="6.25">\n<PARAM name="LENGTH_OF_LOAN" value="30">\n<PARAM name="POINTS_PAID_NBR" value="0">\n<PARAM name="PMI_RATE" value="0.5">\n<PARAM name="PMI_PERCENT" value="0.20">\n<PARAM name="OTHER_CLOSING_COSTS" value="800">\n<PARAM name="MAXIMUM_20_DOWN" value="1">\n<PARAM name="BACKGROUND_COLOR" value="EEEEEE">\n<PARAM name="BORDER" value="ROUND">\n<PARAM name="BORDER_COLOR" value="D3D3D3">\n<PARAM name="BORDER_WIDTH" value="2">\n<PARAM name="SHOW_PAYMENT_BY_MONTH" value="0">\n<PARAM name="HIGH_DEBT_PITI_RATE" value="36">\n<PARAM name="SHOW_PAYMENT_BY_YEAR" value="1">\n<PARAM name="LOW_DEBT_PITI_RATE" value="28">\n<PARAM name="BORDER" value="ROUND">\n<PARAM name="BORDER_COLOR" value="D3D3D3">\n<PARAM name="BORDER_WIDTH" value="2">\n<PARAM name="BACKGROUND" value="/i/background.jpg">\n\n<PARAM name="TEXT_FOR_REPORT" value="<HTML>\n<HEAD>\n<TITLE>Mortgage Qualifier</TITLE>\n<META HTTP-EQUIV=\'Content-Type\' CONTENT=\'text/html; charset=iso8859-1\'>\n<META NAME=\'Description\' CONTENT=\'Financial Calculators, &QCPQ;1998-2005 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net\'>\n\n<link rel=\'stylesheet\' type=\'text/css\' href=\'/i/main.css\'>\n</head>\n<BODY bgcolor=\'#FFFFFF\' LINK=\'#003399\' VLINK=\'#666666\'>\n\n<div style=\'padding: 20px;\' id=\'report\'><h1>Mortgage Qualifier</h1>\n\n<H2>An annual income of ANNUAL_INCOME may qualify you for LOAN_AMOUNT loan.</H2><P>Using your input values, an annual income of ANNUAL_INCOME should enable you to carry a LENGTH_OF_LOAN-year mortgage at INTEREST_RATE in the amount of LOAN_AMOUNT. With a TOTAL_FOR_DOWNPAYMENT down payment, the total purchase price would be PURCHASE_PRICE. Total closing costs for this loan are estimated at TOTAL_CLOSING_COSTS.<P><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR valign=TOP BGCOLOR=\'CCCCCC\'><TD COLSPAN=2 WIDTH=50%>\n<P><B>Monthly payment TOTAL_MONTHLY_PAYMENT</B></TD><TD COLSPAN=2 WIDTH=50%>\n<P><B>Total closing costs TOTAL_CLOSING_COSTS</B></TD></TR>\n\n<TR><TD width=25%><b>Principal and interest</b>\n</TD><TD width=25% ALIGN=RIGHT>MONTHLY_PI&NBSP;&NBSP;&NBSP;&NBSP;</TD>\n<TD width=25%><b>Fee for points</b></TD>\n<TD width=25% ALIGN=RIGHT>POINTS_PAID_AMT&NBSP;&NBSP;&NBSP;&NBSP;</TD></TR>\n<TR><TD width=25%><b>PMI</b></TD>\n<TD width=25% ALIGN=RIGHT>MONTHLY_PMI&NBSP;&NBSP;&NBSP;&NBSP;</TD>\n<TD width=25%><b>Origination fee</b></TD>\n<TD width=25% ALIGN=RIGHT>LOAN_ORIGINATION_AMT&NBSP;&NBSP;&NBSP;&NBSP;</TD></TR>\n<TR><TD width=25%><b>Taxes</b></TD>\n<TD width=25% ALIGN=RIGHT>MONTHLY_TAXES&NBSP;&NBSP;&NBSP;&NBSP;</TD>\n<TD width=25%><b>Other closing costs</b></TD>\n<TD width=25% ALIGN=RIGHT>OTHER_CLOSING_COSTS&NBSP;&NBSP;&NBSP;&NBSP;</TD></TR>\n<TR><TD width=25%><b>Insurance</b></TD>\n<TD width=25% ALIGN=RIGHT>MONTHLY_INSURANCE&NBSP;&NBSP;&NBSP;&NBSP;</TD><TD colspan=2 WIDTH=50%>&NBSP;</TD></TR>\n</TABLE>\n\n<P>To avoid PMI payments a PERCENT_20_DOWN_AMT down payment is required. This equals PMI_PERCENT of your home\'s purchase price. The total amount of cash required for a PMI_PERCENT down payment plus closing costs would be CLOSING_COSTS_PLUS_20.\n<P>\n<H2>Qualify Calculation</H2><P>The QLFY_AMOUNT monthly payment you could qualify for is calculated by taking the lower of these two calculations:<BR><BR>\n<TABLE width=\'100%\'>\n<TR><TD valign=top width=\'5%\'>1.</TD><TD valign=top width=\'55%\'>Monthly Income X LOW_DEBT_PITI_RATE = monthly PITI</TD>\n<TD valign=top width=\'40%\'>MONTHLY_INCOME X LOW_DEBT_PITI_RATE = QLFY_PITI_ONLY</TD></TR>\n<TR align=top><TD valign=top width=\'5%\'>2.</TD><TD valign=top width=\'55%\'>Monthly Income X HIGH_DEBT_PITI_RATE - Other loan payments = monthly PITI</TD>\n<TD valign=top width=\'40%\'>MONTHLY_INCOME X HIGH_DEBT_PITI_RATE - TOTAL_LOAN_PAYMENTS = QLFY_PITI_DEBT</TD></TR>\n</TABLE>\n<h2>Payment Schedule</h2>\n\n**REPEATING GROUP**\n\n<BR>\n\n<P class=footer>  Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.  We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P><br><br>\n</div></body>\n</HTML>\n">\nThis Financial Calculator requires a Browser with Java(TM) applet Support.  If you are seeing this message you will need to download SUN\'s Java(TM) Plug-in.  This can be done simply, and automatically, by clicking the link below: <P><A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java(TM) Plug-in!</b></A></APPLET>';
}

function show_mortgageLoan(){
	return '<APPLET name="calculator" code="MortgageLoan.class" align="baseline" WIDTH="565" HEIGHT="380" archive="dinkytown.jar" codebase="/i/calculators/">\n<PARAM name="PREPAY_TYPE" value="None">\n<PARAM name="INTEREST_RATE" value="6.25">\n<PARAM name="TERM" value="15">\n<PARAM name="LOAN_AMOUNT" value="100000">\n<PARAM name="PREPAY_AMOUNT" value="0">\n<PARAM name="PREPAY_STARTS_WITH" value="1">\n\n<!--\nUse the following values to set the default prepay type:\n"None"\n"Monthly"\n"Yearly"\n"One time payment"\n-->\n<PARAM name="PREPAY_TYPE" value="None">\n\n\n\n<PARAM name="COLOR1" value="C3CED4">\n<PARAM name="COLOR2" value="C1DBD3">\n<PARAM name="BORDER" value="ROUND">\n<PARAM name="BORDER_COLOR" value="D3D3D3">\n<PARAM name="BORDER_WIDTH" value="2">\n<PARAM name="BACKGROUND" value="/i/background.jpg">\n<PARAM name="BACKGROUND_COLOR" value="EEEEEE">\n\n<PARAM name="TEXT_FOR_REPORT" value="<HTML>\n<HEAD>\n<TITLE>Mortgage Loan Calculator</TITLE>\n<META HTTP-EQUIV=\'Content-Type\' CONTENT=\'text/html; charset=iso8859-1\'>\n<META NAME=\'Description\' CONTENT=\'Financial Calculators, &QCPQ;1998-2005 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net\'>\n\n\n\n<link rel=\'stylesheet\' type=\'text/css\' href=\'/i/main.css\'>\n</head>\n<BODY bgcolor=\'#FFFFFF\' LINK=\'#003399\' VLINK=\'#666666\'>\n\n<div style=\'padding: 20px;\' id=\'report\'><h1>Mortgage Loan Calculator Results</h1>\n<H2>Your payment is MONTHLY_PI for TERM years with a rate of INTEREST_RATE.</H2><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR BGCOLOR=\'#CCCCCC\'><TD COLSPAN=2><B>Mortgage Summary</B></TD></TR>\n<TR><TD><b>Loan amount</b></TD><TD>LOAN_AMOUNT</TD></TR>\n<TR><TD><b>Term</b></TD><TD>TERM years</TD></TR>\n<TR><TD><b>Interest rate</b></TD><TD>INTEREST_RATE</TD></TR>\n<TR><TD><b>Monthly payment</b></TD><TD>MONTHLY_PI</TD></TR>\n<TR><TD><b>Total payments</b></TD><TD>TOTAL_OF_PAYMENTS</TD></TR>\n<TR><TD><b>Total interest</b></TD><TD>INTEREST_PAID</TD></TR>\n</TABLE>\n<H2>Prepayment Results</H2><P>Principal prepayments on your mortgage can save you a great deal of interest. They can also shorten the time it takes to pay off your mortgage, in many cases, by several years. PREPAY_MESSAGE\n<P>\n<table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR BGCOLOR=\'#CCCCCC\'><TD COLSPAN=2><B>Prepayment Summary</B></TD></TR>\n<TR><TD><b>Amount</b></TD><TD>PREPAY_AMOUNT PREPAY_TYPE</TD></TR>\n<TR><TD><b>Start with payment</b></TD><TD>PREPAY_STARTS_WITH&NBSP;</TD></TR>\n<TR><TD><b>Total payments</b></TD><TD>PREPAY_TOTAL_OF_PAYMENTS&NBSP;</TD></TR>\n<TR><TD><b>Total interest</b></TD><TD>PREPAY_INTEREST_PAID&NBSP;</TD></TR>\n<TR><TD><b>Interest savings</b></TD><TD>PREPAY_INTEREST_SAVINGS&NBSP;</TD></TR>\n</TABLE>\n<h2>Payment schedule</h2>\n\n**REPEATING GROUP**\n\n<BR>\n<P class=footer>  Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.  We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P><br><br>\n</div></body>\n</HTML>\n">\nThis Financial Calculator requires a Browser with Java(TM) applet Support.  If you are seeing this message you will need to download SUN\'s Java(TM) Plug-in.  This can be done simply, and automatically, by clicking the link below: <P><A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java(TM) Plug-in!</b></A></APPLET>';
}

function show_rentVsBuy() {
	return '<APPLET name="calculator" code="MortgageRentvsBuy.class" align="baseline" WIDTH="565" HEIGHT="520" archive="dinkytown.jar" codebase="/i/calculators/">\n<PARAM name="SHOW_MAINTENANCE"   value="true">\n<PARAM name="MAINTENANCE"   value="0">\n<PARAM name="MSG_MAINTENANCE" value="Assoc. dues & maintenance">\n<PARAM name="MSG_MONTH" value="per month">\n\n<PARAM name="DISABLE_HOME_INSURANCE_RATE" value="false">\n<PARAM name="DISABLE_PROPERTY_TAX_RATE" value="false">\n<PARAM name="HOME_INSURANCE_RATE" value="0.5">\n<PARAM name="PROPERTY_TAX_RATE" value="1">\n\n<PARAM name="PRICE_OF_HOME" value="100000">\n<PARAM name="DOWNPAYMENT_CLOSING_CASH" value="10000">\n<PARAM name="INTEREST_RATE" value="6.25">\n<PARAM name="LENGTH_OF_LOAN" value="30">\n\n<PARAM name="LOAN_ORIGINATION_RATE" value="1.0">\n<PARAM name="POINTS_PAID_NBR" value="1.0">\n<PARAM name="PMI_RATE" value="0.5">\n<PARAM name="OTHER_CLOSING_COSTS" value="800">\n<PARAM name="TAX_RATE" value="25">\n<PARAM name="MONTHLY_RENT" value="750">\n<PARAM name="INFLATION_RATE" value="3.1">\n<PARAM name="INVESTMENT_RETURN" value="7.0">\n<PARAM name="HOME_APPRECIATION_RATE" value="3.0">\n<PARAM name="HOME_COMMISION_RATE" value="7.0">\n<PARAM name="BACKGROUND_COLOR" value="EEEEEE">\n<PARAM name="BORDER" value="ROUND">\n<PARAM name="BORDER_COLOR" value="D3D3D3">\n<PARAM name="BORDER_WIDTH" value="2">\n\n<PARAM name="BACKGROUND" value="/i/background.jpg">\n\n<PARAM name="TEXT_FOR_REPORT" value="<HTML>\n<HEAD>\n<TITLE>Rent vs. Buy</TITLE>\n<META HTTP-EQUIV=\'Content-Type\' CONTENT=\'text/html; charset=iso8859-1\'>\n<META NAME=\'Description\' CONTENT=\'Financial Calculators, &QCPQ;1998-2005 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net\'>\n\n\n\n<link rel=\'stylesheet\' type=\'text/css\' href=\'/i/main.css\'>\n</head>\n<BODY bgcolor=\'#FFFFFF\' LINK=\'#003399\' VLINK=\'#666666\'>\n\n<div style=\'padding: 20px;\' id=\'report\'><h1>Rent vs. Buy</h1>\n<H2>RESULT_MESSAGE_MAIN</H2><P>This is based on your home\'s equity minus a HOME_COMMISION_RATE sales commission paid to brokers or real estate agents when you sell your home. It also assumes your home will appreciate at HOME_APPRECIATION_RATE per year and you have an income tax rate of TAX_RATE. RESULT_MESSAGE_ADVICE\n<P>\nWe calculated your breakeven point by examining how long it would take to create enough equity in your home to exceed the value of investing your cash on hand. We also accounted for differences in your monthly rent and house payments. If your rent payment is less than your net house payment, we add that monthly savings to your investment. If your house payment is less than your rent payment we subtract that amount from your investment. You may notice that on the schedule at the bottom of this report the investment value can be reported as negative. This happens if your house payment is significantly lower than your rent payment. It illustrates that if you continue to rent the extra cost of renting would, in effect, use up your cash on hand.\n<H2>Loan Information</H2><P>Your total monthly payment was calculated as MONTHLY_TOTAL_PMT.  Your down payment was calculated as TOTAL_FOR_DOWNPAYMENT and you had a home price of PRICE_OF_HOME. This is for a LENGTH_OF_LOAN year mortgage at INTEREST_RATE in the amount of LOAN_AMOUNT. Total closing costs for this loan are estimated at TOTAL_CLOSING_COSTS.\n<P>\nYour current monthly rent is MONTHLY_RENT. The expected inflation rate of INFLATION_RATE annually was used to estimate future rent and property taxes. The rate of return use for investments was INVESTMENT_RETURN per year after taxes.\n\n<P>\n<table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR BGCOLOR=\'CCCCCC\'><TD COLSPAN=2><b>Your MONTHLY_TOTAL_PMT monthly payment consists of:</b></TD></TR>\n<TR><TD width=50%><b>Principal and interest</b></TD width=50%><TD>MONTHLY_PI</TD></TR>\n<TR><TD width=50%><b>PMI</b></TD><TD width=50%>MONTHLY_PMI</TD></TR>\n<TR><TD width=50%><b>Taxes</b></TD><TD width=50%>PROPERY_TAX_MONTHLY</TD></TR>\n<TR><TD width=50%><b>Insurance</b></TD><TD width=50%>HOME_INSURANCE_MONTHLY</TD></TR>\n<TR><TD width=50%><b>Association dues & maintenance</b></TD><TD width=50%>MAINTENANCE</TD></TR>\n</TABLE>\n<P>\n<table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR BGCOLOR=\'CCCCCC\'><TD COLSPAN=2><b>Closing costs of TOTAL_CLOSING_COSTS consists of:</b></TD></TR>\n<TR><TD width=50%><b>Amount paid of points</b></TD><TD width=50%>POINTS_PAID_AMT</TD></TR>\n<TR><TD width=50%><b>Origination fee</b></TD><TD width=50%>LOAN_ORIGINATION_AMT</TD></TR>\n<TR><TD width=50%><b>Other closing costs</b></TD><TD width=50%>OTHER_CLOSING_COSTS</TD></TR>\n</TABLE>\n\n<P>To avoid PMI payments, a DOWNPAYMENT_20 down payment is required. This equals 20% of your home\'s purchase price. The total amount of cash required for a 20% down payment plus closing costs would be CLOSING_CLOSING_COSTS_20.\n<h2>Analysis of Future Payments</h2>\n**REPEATING GROUP**\n\n<BR>\n<P class=footer>  Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.  We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P><br><br>\n</div></body>\n</HTML>\n">\nThis Financial Calculator requires a Browser with Java(TM) applet Support.  If you are seeing this message you will need to download SUN\'s Java(TM) Plug-in.  This can be done simply, and automatically, by clicking the link below: <P><A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java(TM) Plug-in!</b></A></APPLET>';
}

function show_personalDebtConsolidation() {
	return '<APPLET codebase="/i/calculators/" name="calculator" code="DebtConsolidate.class" align="baseline" WIDTH="565" HEIGHT="360" archive="dinkytown.jar">\n<PARAM name="CC_BALANCE_1" value="5000">\n<PARAM name="CC_RATE_1" value="18.9">\n<PARAM name="CC_PAYMENT_1" value="178.75">\n<PARAM name="CC_BALANCE_2" value="0">\n<PARAM name="CC_RATE_2" value="0">\n<PARAM name="CC_PAYMENT_2" value="0">\n<PARAM name="CC_BALANCE_3" value="0">\n<PARAM name="CC_RATE_3" value="0">\n<PARAM name="CC_PAYMENT_3" value="0">\n<PARAM name="CC_BALANCE_4" value="0">\n<PARAM name="CC_RATE_4" value="0">\n<PARAM name="CC_PAYMENT_4" value="0">\n<PARAM name="CC_BALANCE_5" value="0">\n<PARAM name="CC_RATE_5" value="0">\n<PARAM name="CC_PAYMENT_5" value="0">\n<PARAM name="CC_BALANCE_6" value="0">\n<PARAM name="CC_RATE_6" value="0">\n<PARAM name="CC_PAYMENT_6" value="0">\n<PARAM name="CC_BALANCE_7" value="0">\n<PARAM name="CC_RATE_7" value="0">\n<PARAM name="CC_PAYMENT_7" value="0">\n<PARAM name="CC_BALANCE_8" value="0">\n<PARAM name="CC_RATE_8" value="0">\n<PARAM name="CC_PAYMENT_8" value="0">\n<PARAM name="CC_BALANCE_9" value="0">\n<PARAM name="CC_RATE_9" value="0">\n<PARAM name="CC_PAYMENT_9" value="0">\n<PARAM name="CC_BALANCE_10" value="0">\n<PARAM name="CC_RATE_10" value="0">\n<PARAM name="CC_PAYMENT_10" value="0">\n<PARAM name="COLOR9" value="000000">\n<PARAM name="COLOR10" value="000000">\n<PARAM name="CC_MINIMUMS" value="FALSE">\n<PARAM name="BUTTON_NAME" value="Enter Data">\n<PARAM name="LABEL_NAME1" value="Balance">\n<PARAM name="LABEL_NAME2" value="Interest Rate">\n<PARAM name="LABEL_NAME3" value="Monthly Payment">\n<PARAM name="LABEL_NAME4" value="Consolidated Loan">\n<PARAM name="LABEL_NAME5" value="Current Situation">\n<PARAM name="NEW_LOAN_BALANCE" value="5000">\n<PARAM name="NEW_LOAN_RATE" value="11.00">\n<PARAM name="NEW_LOAN_PAYMENT" value="178.75">\n<PARAM name="NEW_LOAN_TERM" value="30"> <!-- Index number of term. -->\n<PARAM name="BACKGROUND_COLOR" value="EEEEEE">\n<PARAM name="BORDER" value="ROUND">\n<PARAM name="BORDER_COLOR" value="D3D3D3">\n<PARAM name="BORDER_WIDTH" value="2">\n<PARAM name="BACKGROUND" value="/i/background.jpg">\n\n<PARAM name="TEXT_FOR_REPORT" value="<HTML>\n<HEAD>\n<TITLE>Personal Debt Consolidation</TITLE>\n<META HTTP-EQUIV=\'Content-Type\' CONTENT=\'text/html; charset=iso8859-1\'>\n<META NAME=\'Description\' CONTENT=\'Financial Calculators, &QCPQ;1998-2005 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net\'>\n\n\n\n<link rel=\'stylesheet\' type=\'text/css\' href=\'/i/main.css\'>\n</head>\n<BODY bgcolor=\'#FFFFFF\' LINK=\'#003399\' VLINK=\'#666666\'>\n\n<div style=\'padding: 20px;\' id=\'report\'><h1>Debt Consolidation</h1>\n<H2>Your consolidated payment is NEW_LOAN_PAYMENT, which is MONTHLY_PAYMENT_SAVINGS per month.</H2><P>With a new consolidated loan of NEW_LOAN_BALANCE your monthly payment is NEW_LOAN_PAYMENT. This is MONTHLY_PAYMENT_SAVINGS than your currently monthly payment of MONTHLY_PAYMENT. The total interest payment for the new consolidated loan would be INTEREST_NEW. With the new consolidated loan you pay MSG_NEW_INTEREST_SAVINGS in interest.\n<P><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR BGCOLOR=\'#CCCCCC\'><TD COLSPAN=2><B>Consolidation Loan</B></TD></TR>\n<TR><TD><b>Loan amount </b> </TD><TD>NEW_LOAN_BALANCE </TD></TR>\n<TR><TD><b>Monthly payment </b> </TD><TD>NEW_LOAN_PAYMENT </TD></TR>\n<TR><TD><b>Interest rate </b> </TD><TD>NEW_LOAN_RATE </TD></TR>\n<TR><TD><b>Term </b> </TD><TD>NEW_PAYOFF</TD></TR>\n<TR><TD><b>Total interest </b> </TD><TD>INTEREST_NEW</TD></TR>\n</TABLE>\n<H2>Current Loans and Credit Cards</H2><P>The total of all current loan payments is MONTHLY_PAYMENT. This is based on the loans and payment information shown below.\n<P><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR BGCOLOR=\'#CCCCCC\'><TD COLSPAN=4><B>Current Loans</B></TD></TR>\n<TR BGCOLOR=\'#CCCCCC\'><TD><b>&NBSP; </b> </TD><TD><B>Amount Owed</B></TD><TD><B>Monthly Payment</B></TD><TD><B>Interest Rate</B></TD></TR>\n<TR><TD><b>Credit cards</b></TD><TD>CC_OUTSTANDING_BALANCE</TD><TD>CC_MONTHLY_PAYMENT</TD><TD>CC_AVERAGE_RATE</TD></TR>\n\n<TR><TD><b>Auto loans</b></TD><TD>AUTO_OUTSTANDING_BALANCE</TD><TD>AUTO_MONTHLY_PAYMENT</TD><TD>AUTO_AVERAGE_RATE</TD></TR>\n\n<TR><TD><b>Other loans</b></TD><TD>OTHER_OUTSTANDING_BALANCE</TD><TD>OTHER_MONTHLY_PAYMENT</TD><TD>OTHER_AVERAGE_RATE</TD></TR>\n<TR><TD><b>Totals</b></TD><TD><B>OUTSTANDING_BALANCE</B></TD><TD><B>MONTHLY_PAYMENT</B></TD><TD><B>AVERAGE_RATE</B></TD></TR>\n</TABLE>\n<h2>New Loan Payment Schedule</h2>\n**REPEATING GROUP**\n\n<BR>\n<P class=footer>  Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.  We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P><br><br>\n</div></body>\n</HTML>\n">\nThis Financial Calculator requires a Browser with Java(TM) applet Support.  If you are seeing this message you will need to download SUN\'s Java(TM) Plug-in.  This can be done simply, and automatically, by clicking the link below: <P><A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java(TM) Plug-in!</b></A></APPLET>';
}

function show_retirementPlanner() {
	return '<APPLET codebase="/i/calculators/" name="calculator" code="RetirementPlan.class" align="baseline" WIDTH="565" HEIGHT="400" archive="dinkytown.jar">\n<PARAM name="SHOW_TAX" value="FALSE">\n<PARAM name="CURRENT_TAX" value="0">\n<PARAM name="RETIREMENT_TAX" value="0">\n<PARAM name="CURRENT_AGE" value="45">\n<PARAM name="HOUSEHOLD_INCOME" value="50000">\n<PARAM name="PRE_RATE_OF_RETURN" value="10">\n<PARAM name="AGE_OF_RETIREMENT" value="65">\n<PARAM name="POST_RATE_OF_RETURN" value="8">\n<PARAM name="SALARY_PERCENT" value="4">\n<PARAM name="YEARS_OF_RETIREMENT" value="35">\n<PARAM name="INCOME_PERCENT" value="90">\n<PARAM name="CURRENT_SAVINGS" value="100000">\n<PARAM name="INFLATION_RATE" value="3.1">\n<PARAM name="INCLUDE_SOCIAL_SECURITY" value="1">\n<PARAM name="MARRIED" value="true">\n<PARAM name="SAVINGS_PERCENT" value="8">\n<PARAM name="BACKGROUND_COLOR" value="EEEEEE">\n<PARAM name="BORDER_COLOR" value="D3D3D3">\n<PARAM name="BORDER" value="ROUND">\n<PARAM name="BORDER_WIDTH" value="2">\n<PARAM name="BACKGROUND" value="/i/background.jpg">\n\n<PARAM name="TEXT_FOR_REPORT" value="<HTML>\n<HEAD>\n<TITLE>Retirement Planner</TITLE>\n<META HTTP-EQUIV=\'Content-Type\' CONTENT=\'text/html; charset=iso8859-1\'>\n<META NAME=\'Description\' CONTENT=\'Financial Calculators, &QCPQ;1998-2005 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net\'>\n\n\n\n<link rel=\'stylesheet\' type=\'text/css\' href=\'/i/main.css\'>\n</head>\n<BODY bgcolor=\'#FFFFFF\' LINK=\'#003399\' VLINK=\'#666666\'>\n\n<div style=\'padding: 20px;\' id=\'report\'><h1>Retirement Planner Results</h1>\n\n<H2>RESULTS_MSG</H2><P>END_OF_RETIREMENT_MESSAGE RESPONSE This is based on retirement expenditures of INCOME_REQUIRED_AT_RETIRE per year. This amount is INCOME_PERCENT of your last year\'s income of INCOME_AT_RETIRE. SOCIAL_SECURITY_MSG\n<P>\n<table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR BGCOLOR=\'CCCCCC\'><TD COLSPAN=4><B>Results Summary</B></TD></TR>\n<TR><TD><b>Current age</b></TD><TD>CURRENT_AGE</TD>\n<TD><b>Household income</b></TD><TD>HOUSEHOLD_INCOME</TD></TR>\n<TR><TD><b>Rate of return before retirement</b></TD><TD>PRE_RATE_OF_RETURN</TD>\n<TD><b>Age of retirement</b></TD><TD>AGE_OF_RETIREMENT</TD></TR>\n<TR><TD><b>Rate of return during retirement</b></TD><TD>POST_RATE_OF_RETURN</TD>\n<TD><b>Expected salary increase</b></TD><TD>SALARY_PERCENT</TD></TR>\n<TR><TD><b>Years until retirement</b></TD><TD>YEARS_UNTIL_RETIREMENT</TD>\n<TD><b>Years of retirement income</b></TD><TD>YEARS_OF_RETIREMENT</TD></TR>\n<TR><TD><b>Percent of income at retirement</b></TD><TD>INCOME_PERCENT</TD>\n<TD><b>Current retirement savings</b></TD><TD>CURRENT_SAVINGS</TD></TR>\n<TR><TD><b>Percent of income to contribute</b></TD><TD>SAVINGS_PERCENT</TD>\n<TD><b>Expected inflation rate</b></TD><TD>INFLATION_RATE</TD></TR>\n<TR><TD><b>Your last year\'s income</b></TD><TD>INCOME_AT_RETIRE</TD>\n<TD><b>Retirement expenditures</b></TD><TD>INCOME_REQUIRED_AT_RETIRE</TD></TR>\n<TR><TD COLSPAN=2><b>Include Social Security? INCLUDE_SOCIAL_SECURITY</b></TD>\n<TD COLSPAN=2><b>Are you married? MARRIED</b></TD></TR>\n<TR><TD COLSPAN=4><b>Your ending balance is ENDING_BALANCE</B></TD></TR>\n</TABLE>\n\n<h2>Balances by year*</h2>\n**REPEATING GROUP**\n<P class=footer>* Understand that the likelihood of this scenario unfolding exactly as portrayed is extremely remote. It is based on the assumption that fixed rates of return, that don\'t vary from year to year, will apply to your entire retirement portfolio.\n\n<BR>\n<HR SIZE=1>\n<P class=footer>  Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.  We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P><br><br>\n</div></body>\n</HTML>\n">\nThis Financial Calculator requires a Browser with Java(TM) applet Support.  If you are seeing this message you will need to download SUN\'s Java(TM) Plug-in.  This can be done simply, and automatically, by clicking the link below: <P><A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java(TM) Plug-in!</b></A></APPLET>&nbsp;</APPLET>';
}
function show_rothIRAOrTraditional() {
	return '<APPLET codebase="/i/calculators/" name="calculator" code="RothvsRegular.class" align="baseline" WIDTH="565" HEIGHT="380" archive="dinkytown.jar">\n<PARAM name="CURRENT_AGE" value="29">\n<PARAM name="ANNUAL_CONTRIBUTION" value="3000">\n<PARAM name="RATE_OF_RETURN" value="9.0">\n<PARAM name="AGE_OF_RETIREMENT" value="65">\n<PARAM name="CURRENT_TAX_RATE" value="25">\n<PARAM name="RETIREMENT_TAX_RATE" value="15">\n<PARAM name="ADJUSTED_GROSS_INCOME" value="40000">\n<PARAM name="MARRIED_YESNO" value="1">\n<PARAM name="EMPLOYER_YESNO" value="1">\n<PARAM name="CONTRIBUTE_MAX" value="FALSE">\n<PARAM name="BACKGROUND_COLOR" value="EEEEEE">\n<PARAM name="BORDER" value="ROUND">\n<PARAM name="BORDER_COLOR" value="D3D3D3">\n<PARAM name="BORDER_WIDTH" value="2">\n<PARAM name="BACKGROUND" value="/i/background.jpg">\n\n<PARAM name="TEXT_FOR_REPORT" value="<HTML>\n<HEAD>\n<TITLE>Roth vs. Traditional IRA</TITLE>\n<META HTTP-EQUIV=\'Content-Type\' CONTENT=\'text/html; charset=iso8859-1\'>\n<META NAME=\'Description\' CONTENT=\'Financial Calculators, &QCPQ;1998-2005 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net\'>\n\n\n\n<link rel=\'stylesheet\' type=\'text/css\' href=\'/i/main.css\'>\n</head>\n<BODY bgcolor=\'#FFFFFF\' LINK=\'#003399\' VLINK=\'#666666\'>\n\n<div style=\'padding: 20px;\' id=\'report\'><h1>Roth IRA or Traditional IRA?</h1>\n\n<H2>RESULTS_MSG</H2><P>RESULTS_MSG How was this calculated?\n<P><B>Step 1</B>: First we found the value of a Roth IRA if you contributed ANNUAL_CONTRIBUTION per year for YEARS_UNTIL_RETIREMENT years earning an assumed RATE_OF_RETURN per year. This equaled TOTAL_ROTH. Since withdrawals from a Roth IRA are not taxed, the total value remains TOTAL_ROTH.\n\n<P><B>Step 2</B>: We then computed the totals for a Traditional IRA. Again we determined the value of ANNUAL_CONTRIBUTION per year for YEARS_UNTIL_RETIREMENT years earning an assumed RATE_OF_RETURN per year. This is the same amount as the Roth IRA total, IRA_TOTAL_BF_TAX. However, tax deductible contributions and all earnings in a Traditional IRA are taxable when they are withdrawn. After taxes, the value of your Traditional IRA account would be IRA_TOTAL_AF_T01.12.2006AX.\n\n<P><B>Step 3</B>: Finally, if you had any tax-deductible Traditional IRA contributions we need to determine the value of investing this tax savings and add this amount to the Traditional IRA total. If we forget this step, our comparison will not be equal (we would in effect be contributing more to our Roth IRA than the Traditional IRA). If your tax savings was invested for YEARS_UNTIL_RETIREMENT years at an assumed rate of RATE_OF_RETURN, this returns a total of TOTAL_TAXABLE after taxes.<P><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n\n<TR BGCOLOR=\'CCCCCC\'><TD COLSPAN=3 ALIGN=CENTER><B>Results Summary</B></TD></TR>\n\n<TR BGCOLOR=\'CCCCCC\'><TD ALIGN=CENTER><B>&NBSP;</B></TD>\n<TD><B>Traditional IRA</B></TD>\n<TD><B>Roth IRA</B></TD></TR>\n\n<TR><TD valign=top><b>Total contributions</b><BR>MSG_CONTRIBUTE_LBL</TD>\n<TD valign=top>TOTAL_CONTRIBUTIONS</TD>\n<TD valign=top>TOTAL_CONTRIBUTIONS</TD></TR>\n\n<TR><TD valign=top><b>Total before taxes</b></TD>\n<TD valign=top>IRA_TOTAL_BF_TAX</TD>\n<TD valign=top>TOTAL_ROTH</TD></TR>\n\n<TR><TD valign=top><b>Value of investing tax savings</b></TD>\n<TD valign=top>+ TOTAL_TAXABLE</TD>\n<TD valign=top>+ 0</TD></TR>\n\n<TR><TD valign=top><b>Taxes for IRA at retirement</b></TD>\n<TD valign=top>- IRA_TOTAL_TAXES</TD>\n<TD valign=top>- 0</TD></TR>\n\n<TR><TD valign=top><b>Value at retirement (age AGE_OF_RETIREMENT)</b></TD>\n<TD valign=top><B>TOTAL_IRA</B></TD>\n<TD valign=top><B>TOTAL_ROTH</B></TD></TR>\n<TR><TD COLSPAN=3 ALIGN=CENTER><B>RESULTS_MSG</B></TD></TR>\n\n</TABLE>\n<H2>Your input values</H2><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n\n<TR BGCOLOR=\'CCCCCC\'><TD COLSPAN=4 ALIGN=CENTER><B>Input Summary</B></TD></TR>\n\n<TR><TD valign=top><b>Annual contribution*</b><BR>MSG_CONTRIBUTE_LBL</TD>\n<TD valign=top>ANNUAL_CONTRIBUTION</TD>\n<TD valign=top><b>Current age</b></TD>\n<TD valign=top>CURRENT_AGE</TD></TR>\n\n<TR><TD valign=top><b>Years until retirement</b></TD>\n<TD valign=top>YEARS_UNTIL_RETIREMENT</TD>\n<TD valign=top><b>Age of retirement</b></TD>\n<TD valign=top>AGE_OF_RETIREMENT</TD></TR>\n\n<TR><TD valign=top><b>Expected rate of return</b></TD>\n<TD valign=top>RATE_OF_RETURN</TD><TD valign=top><b>Adjusted gross income</b></TD>\n<TD valign=top>ADJUSTED_GROSS_INCOME</TD>\n</TR>\n\n<TR><TD valign=top><b>Current tax rate</b></TD>\n<TD valign=top>CURRENT_TAX_RATE</TD><TD valign=top><b>Retirement tax rate</b></TD>\n<TD valign=top>RETIREMENT_TAX_RATE</TD>\n</TR>\n\n<TR><TD valign=top><b>Are you married?</b></TD>\n<TD valign=top>MARRIED_YESNO</TD>\n<TD valign=top><b>Employer plan?</b></TD>\n<TD valign=top>EMPLOYER_YESNO</TD></TR>\n\n<TR><TD valign=top><b>Traditional IRA<BR> tax deductible portion</b></TD>\n<TD valign=top>MAXIUMUM_DEDUCTIBLE_CONTRIBUTION <BR> which is DEDUCTIBLE_PERCENT**</TD>\n<TD valign=top><b>Traditional IRA<BR>total non-deductible contributions</b></TD>\n<TD valign=top>TOTAL_NONDEDUCT**</TD></TR>\n</TABLE>\n<BR>\n<P class=footer>*The annual maximum contribution for 2005 is $4,000.  This amount will increase in 2008 to $5,000.  If you are over 50, a new \'catch-up\' provision allows you to contribute even more to your IRA.  In 2005, individuals over 50 can contribute an additional $500 into their IRA.  Catch-up contributions increase to $1,000 per year in 2006.  The maximum contributions and \'catch-up\' provisions are automatically included in your results.</P>\n<BR>\n<P class=footer>**If you are single and you have an employer sponsored retirement plan such as a 401(k), the deduction is phased out between $50,000 and $60,000 for 2005. For married couples, the same rules apply except the deduction is phased out between $70,000 and $80,000.  These phase-out ranges are scheduled to increase over the next few years.  The deductible percent shown here is for your first year only.  All totals, however, take the increasing phase out ranges into account.</P>\n<h2>IRA Balances by year</h2>\n**REPEATING GROUP**\n\n<BR>\n<P class=footer>  Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.  We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P><br><br>\n</div></body>\n</HTML>\n">\nThis Financial Calculator requires a Browser with Java(TM) applet Support.  If you are seeing this message you will need to download SUN\'s Java(TM) Plug-in.  This can be done simply, and automatically, by clicking the link below: <P><A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java(TM) Plug-in!</b></A></APPLET>';
}

function show_autoLoan() {
	return '<APPLET codebase="/i/calculators/" name="calculator" code="AutoLoan.class" align="baseline" WIDTH="565" HEIGHT="400" archive="dinkytown.jar">\n<PARAM name="MONTHLY_PAYMENT" value="300">\n<PARAM name="INTEREST_RATE" value="9.00">\n<PARAM name="TERM" value="48">\n<PARAM name="CASH_DOWN" value="1500">\n<PARAM name="TRADE_ALLOWANCE" value="5000">\n<PARAM name="AMOUNT_OWED_ON_TRADE" value="4000">\n<PARAM name="NONTAX_FEES" value="40">\n<PARAM name="TAXABLE_FEES" value="0">\n<PARAM name="SALES_TAX_RATE" value="7.00">\n<PARAM name="AUTO_SALE_PRICE" value="20000">\n<PARAM name="BACKGROUND" value="/i/background.jpg">\n<PARAM name="BACKGROUND_COLOR" value="EEEEEE">\n<PARAM name="BORDER" value="ROUND">\n<PARAM name="BORDER_COLOR" value="D3D3D3">\n<PARAM name="BORDER_WIDTH" value="2">\n\n<PARAM name="TEXT_FOR_REPORT" value="<HTML>\n<HEAD>\n<TITLE>Auto Loans</TITLE>\n<META HTTP-EQUIV=\'Content-Type\' CONTENT=\'text/html; charset=iso8859-1\'>\n<META NAME=\'Description\' CONTENT=\'Financial Calculators, &QCPQ;1998-2005 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net\'>\n\n\n\n<link rel=\'stylesheet\' type=\'text/css\' href=\'/i/main.css\'>\n</head>\n<BODY bgcolor=\'#FFFFFF\' LINK=\'#003399\' VLINK=\'#666666\'>\n\n<div style=\'padding: 20px;\' id=\'report\'><h1>Auto Financing Results\n</h1>\n<H2>Your auto financing of LOAN_AMOUNT has a monthly payment of MONTHLY_PAYMENT.</H2><P>This is for LOAN_AMOUNT in auto financing at INTEREST_RATE for TERM months. The total for all of your payments** would be TOTAL_OF_PAYMENTS.\n<P><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR BGCOLOR=\'#CCCCCC\'><td colspan=2>Auto Financing Summary</td></TR>\n<TR><TD><B>Interest rate:</B></TD><TD>INTEREST_RATE</TD></TR>\n<TR><TD><B>Term in months:</B></TD><TD>TERM</TD></TR>\n<TR><TD><B>Total purchase price (before tax):</B></TD><TD>AUTO_SALE_PRICE\n</TD></TR>\n<TR><TD><B>Taxable fees:</B></TD><TD>TAXABLE_FEES</TD></TR>\n<TR><TD><B>Sales tax*:</B></TD><TD>SALES_TAX</TD></TR>\n<TR><TD valign=top><B>&NBSP;</B></TD><TD colspan=1>*MSG_CHECK_TAX_LESS_TRADE Currently California, the District of Columbia, Hawaii, Maryland and Michigan allow no deductions for trade-ins when calculating sales tax. If you live in one of these states make sure to check the box \'No sales tax deduction for trade-in\' on the main calculator page.\n</TD></TR>\n<TR><TD><B>Non-taxable fees:</B></TD><TD>NONTAX_FEES</TD></TR>\n<TR><TD><B>Total sales price (after tax):</B></TD><TD>TOTAL_SALE_PRICE</TD></TR>\n<TR><TD valign=top><B>Total down payment**:</B></TD><TD>TOTAL_DOWN</TD></TR>\n<TR><TD valign=top><B>&NBSP;</B></TD><TD colspan=1>**Your total down payment is calculated as your cash down payment of CASH_DOWN plus your trade-in allowance of TRADE_ALLOWANCE minus the AMOUNT_OWED_ON_TRADE balance outstanding on your trade-in vehicle.</TD></TR>\n<TR BGCOLOR=\'#CCCCCC\'><TD><B>Amount financed:</B></TD><TD>LOAN_AMOUNT</TD></TR>\n<TR BGCOLOR=\'#CCCCCC\' ><TD><B>Monthly payment:</B></TD><TD>MONTHLY_PAYMENT</TD></TR>\n<TR BGCOLOR=\'#CCCCCC\'><TD><B>Total payments***:</B></TD><TD>TOTAL_OF_PAYMENTS</TD></TR>\n<TR BGCOLOR=\'#CCCCCC\'><TD><B>Total interest paid***:</B></TD><TD>INTEREST_PAID</TD></TR>\n<TR><TD valign=top><B>&NBSP;</B></TD><TD colspan=1>***This assumes that you do not refinance and that all payments are made on time with no prepayments.</TD></TR>\n</TABLE>\n\n<h2>Payment schedule</h2>\n**REPEATING GROUP**\n\n<BR>\n<P class=footer>  Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.  We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P><br><br>\n</div></body>\n</HTML>\n">\nThis Financial Calculator requires a Browser with Java(TM) applet Support.  If you are seeing this message you will need to download SUN\'s Java(TM) Plug-in.  This can be done simply, and automatically, by clicking the link below: <P><A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java(TM) Plug-in!</b></A></APPLET>';
}

function show_buyOrLease() {
	return '<APPLET codebase="/i/calculators/" name="calculator" code="BuyvsLease.class" align="baseline" WIDTH="565" HEIGHT="400" archive="dinkytown.jar">\n<PARAM name="TERM" value="24">\n<PARAM name="LOAN_TERM" value="60">\n<PARAM name="LEASE_INTEREST" value="8.0">\n<PARAM name="RESIDUAL_PERCENT" value="60">\n<PARAM name="SECURITY_DEPOSIT" value="500.00">\n<PARAM name="OTHER_FEES_LEASE" value="100">\n<PARAM name="CAR_PRICE" value="20000.00">\n<PARAM name="INTEREST_RATE" value="8.0">\n<PARAM name="DOWN_PAYMENT" value="1000.00">\n<PARAM name="OTHER_FEES_BUY" value="0">\n<PARAM name="SALES_TAX_RATE" value="7.0">\n<PARAM name="RATE_OF_DEPRECIATION" value="20">\n<PARAM name="INVESTMENT_ROR" value="8.0">\n<PARAM name="BACKGROUND" value="/i/background.jpg">\n<PARAM name="BACKGROUND_COLOR" value="EEEEEE">\n<PARAM name="BORDER" value="ROUND">\n<PARAM name="BORDER_COLOR" value="D3D3D3">\n<PARAM name="BORDER_WIDTH" value="2">\n\n<PARAM name="TEXT_FOR_REPORT" value="<HTML>\n<HEAD>\n<TITLE>Lease vs. Buy</TITLE>\n<META HTTP-EQUIV=\'Content-Type\' CONTENT=\'text/html; charset=iso8859-1\'>\n<META NAME=\'Description\' CONTENT=\'Financial Calculators, &QCPQ;1998-2005 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net\'>\n\n\n\n<link rel=\'stylesheet\' type=\'text/css\' href=\'/i/main.css\'>\n</head>\n<BODY bgcolor=\'#FFFFFF\' LINK=\'#003399\' VLINK=\'#666666\'>\n\n<div style=\'padding: 20px;\' id=\'report\'><h1>Buy or Lease Results</h1>\n<H2>Your lease payment would be MONTHLY_PAYMENT compared with a LOAN_PAYMENT loan payment.</H2><P>Your lease payment would be MONTHLY_PAYMENT compared with a LOAN_PAYMENT loan payment. This is based on a price of CAR_PRICE and a TERM month lease vs. a LOAN_TERM month loan. Details of your cost of leasing and cost of buying are shown below:<P><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR BGCOLOR=\'#CCCCCC\'><TD COLSPAN=2><B>Buy</B></TD>\n<TD COLSPAN=2><B>Lease</B></TD></TD></TR>\n<TR><TD><b>Price</b></TD><TD ALIGN=RIGHT>CAR_PRICE</TD>\n <TD><b>Price</b></TD><TD ALIGN=RIGHT>CAR_PRICE</TD></TR>\n<TR><TD><b>Interest rate</b></TD><TD ALIGN=RIGHT>INTEREST_RATE</TD>\n <TD><b>Interest rate</b></TD><TD ALIGN=RIGHT>LEASE_INTEREST</TD></TR>\n<TR><TD><b>Down payment</b></TD><TD ALIGN=RIGHT>DOWN_PAYMENT</TD>\n <TD><b>Down payment</b></TD><TD ALIGN=RIGHT>DOWN_PAYMENT</TD></TR>\n<TR><TD><b>Other fees buy</b></TD><TD ALIGN=RIGHT>OTHER_FEES_BUY</TD>\n <TD><b>Other fees lease</b></TD><TD ALIGN=RIGHT>OTHER_FEES_LEASE</TD></TR>\n<TR><TD><b>Rate of depreciation</b></TD><TD ALIGN=RIGHT>RATE_OF_DEPRECIATION</TD>\n <TD><b>Residual percent</b></TD><TD ALIGN=RIGHT>RESIDUAL_PERCENT</TD></TR>\n<TR><TD><b>Sales tax</b></TD><TD ALIGN=RIGHT>SALES_TAX</TD>\n <TD><b>Security deposit</b></TD><TD ALIGN=RIGHT>SECURITY_DEPOSIT</TD></TR>\n<TR><TD><b>Loan amount</b></TD><TD ALIGN=RIGHT>LOAN_AMOUNT</TD>\n <TD>&NBSP;</TD><TD>&NBSP;</TD></TR>\n<TR><TD><b>Loan payment</b></TD><TD ALIGN=RIGHT><B >LOAN_PAYMENT</B></TD>\n <TD><b>Lease payment</b></TD><TD ALIGN=RIGHT><B >MONTHLY_PAYMENT</B></TD></TR>\n<TR><TD COLSPAN=4>&NBSP;</TD></TR>\n</TABLE>\n<P><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n\n<TR BGCOLOR=\'#CCCCCC\'><TD COLSPAN=2><B>Net cost of buying</B></TD>\n<TD COLSPAN=2><B>Net cost of leasing</B></TD></TD></TR>\n\n<TR><TD><b>Total loan payments</b></TD><TD><TABLE BORDER=0 CELLPADDING=0 WIDTH=120><TR><TD WIDTH=20>+</TD><TD ALIGN=RIGHT>TOTAL_PAYMENTS</TD></TABLE></TR></TD>\n <TD><b>Total lease payments</b></TD><TD><TABLE BORDER=0 CELLPADDING=0 WIDTH=120><TR><TD WIDTH=20>+</TD><TD ALIGN=RIGHT>TOTAL_LEASE_PAYMENTS</TD></TABLE></TR></TD></TR>\n<TR><TD><b>Lost interest on buy option</b></TD><TD><TABLE BORDER=0 CELLPADDING=0 WIDTH=120><TR><TD WIDTH=20>+</TD><TD ALIGN=RIGHT>LOST_INTEREST_ON_BUY</TD></TABLE></TR></TD>\n <TD><b>Lost interest on up front costs</b></TD><TD><TABLE BORDER=0 CELLPADDING=0 WIDTH=120><TR><TD WIDTH=20>+</TD><TD ALIGN=RIGHT>LOST_INTEREST_ON_LEASE</TD></TABLE></TR></TD></TR>\n<TR><TD><b>Down payment</b></TD><TD><TABLE BORDER=0 CELLPADDING=0 WIDTH=120><TR><TD WIDTH=20>+</TD><TD ALIGN=RIGHT>DOWN_PAYMENT</TD></TABLE></TR></TD>\n <TD><b>Up front costs</b></TD><TD><TABLE BORDER=0 CELLPADDING=0 WIDTH=120><TR><TD WIDTH=20>+</TD><TD ALIGN=RIGHT>TOTAL_UPFRONT_COSTS</TD></TABLE></TD></TR>\n<TR><TD><b>Market value after TERM months*</b></TD><TD><TABLE BORDER=0 CELLPADDING=0 WIDTH=120><TR><TD WIDTH=20>-</TD><TD ALIGN=RIGHT>MARKET_VALUE_AT_END_OF_LOAN</TD></TABLE></TD>\n <TD>&NBSP;</TD><TD>&NBSP;</TD></TR>\n<TR><TD><b>Ending loan balance</b></TD><TD><TABLE BORDER=0 CELLPADDING=0 WIDTH=120><TR><TD WIDTH=20>+</TD><TD ALIGN=RIGHT>ENDING_LOAN_BALANCE</TD></TABLE></TD>\n <TD>&NBSP;</TD><TD>&NBSP;</TD></TR>\n<TR><TD><b>Net cost of purchase</b></TD><TD><TABLE BORDER=0 CELLPADDING=0 WIDTH=120><TR><TD WIDTH=20>=</TD><TD ALIGN=RIGHT>NET_COST_OF_PURCHASE</TD></TABLE><B></B></TD>\n <TD><b>Net cost of lease</b></TD><TD><TABLE BORDER=0 CELLPADDING=0 WIDTH=120><TR><TD WIDTH=20>=</TD><TD ALIGN=RIGHT><B>NET_COST_OF_LEASE</B></TD></TABLE></TD></TR>\n</TABLE>\n<P class=footer>*We assume that you sell your vehicle at the estimated market value at the end of the term.</P>\n\n<BR>\n\n\n<BR>\n<HR SIZE=1>\n<P class=footer>  Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.  We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P><br><br>\n</div></body>\n</HTML>\n">\nThis Financial Calculator requires a Browser with Java(TM) applet Support.  If you are seeing this message you will need to download SUN\'s Java(TM) Plug-in.  This can be done simply, and automatically, by clicking the link below: <P><A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java(TM) Plug-in!</b></A></APPLET>';
}

function show_lifeInsurance(){
	return '<APPLET codebase="/i/calculators/" name="calculator" code="LifeInsurance.class" align="baseline" WIDTH="565" HEIGHT="400" archive="dinkytown.jar">\n<PARAM name="CASH_AND_SAVINGS" value="5000">\n<PARAM name="CHECK_BOX" value="FALSE">\n<PARAM name="HOME_EQUITY" value="15000">\n<PARAM name="INVESTMENTS" value="10000">\n<PARAM name="OTHER" value="0">\n<PARAM name="ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS" value="0">\n<PARAM name="PROBATE_COSTS" value="500">\n<PARAM name="FUNERAL_COSTS" value="7500">\n<PARAM name="UNINSURED_MEDICAL_COSTS" value="2000">\n<PARAM name="DEBT_REPAYMENT" value="5000">\n<PARAM name="COLLEGE_FUND_FOR_CHILD_1" value="0">\n<PARAM name="COLLEGE_FUND_CHILD_2" value="0">\n<PARAM name="COLLEGE_FUND_CHILD_3" value="0">\n<PARAM name="SPOUSE_INCOME_FROM_WORK" value="2000">\n<PARAM name="YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK" value="0">\n<PARAM name="DURATION_SPOUSE_INCOME_FROM_WORK" value="20">\n<PARAM name="SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME" value="0">\n<PARAM name="YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME" value="0">\n<PARAM name="DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME" value="10">\n<PARAM name="SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE" value="0">\n<PARAM name="YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE" value="10">\n<PARAM name="DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE" value="40">\n<PARAM name="OTHER_INCOME" value="0">\n<PARAM name="YEARS_UNTIL_START_OTHER_INCOME" value="0">\n<PARAM name="DURATION_OTHER_INCOME" value="0">\n<PARAM name="CHILD_CARE_EXPENSES" value="500">\n<PARAM name="YEARS_UNTIL_START_CHILD_CARE_EXPENSES" value="0">\n<PARAM name="DURATION_CHILD_CARE_EXPENSES" value="7">\n<PARAM name="LIVING_EXPENSES_WITH_CHILDREN_AT_HOME" value="2000">\n<PARAM name="YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_" value="0">\n<PARAM name="DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_" value="10">\n<PARAM name="LIVING_EXPENSES_WITH_CHILDREN_GONE" value="1500">\n<PARAM name="YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE" value="10">\n<PARAM name="DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE" value="40">\n<PARAM name="CHILDRENS_COLLEGE_EXPENSES" value="0">\n<PARAM name="YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES" value="0">\n<PARAM name="DURATION_CHILDRENS_COLLEGE_EXPENSES" value="0">\n<PARAM name="RETRAINING_AND_EDUCATION_FOR_SPOUSE" value="0">\n<PARAM name="YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE" value="0">\n<PARAM name="DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE" value="0">\n<PARAM name="OTHER_EXPENSES" value="0">\n<PARAM name="YEARS_UNTIL_START_OTHER_EXPENSES" value="0">\n<PARAM name="DURATION_OTHER_EXPENSES" value="0">\n<PARAM name="NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER" value="50">\n<PARAM name="INFLATION_RATE" value="3.1">\n<PARAM name="RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS" value="8">\n<PARAM name="COMBINED_FEDERAL_AND_STATE_TAX_RATE" value="15">\n<PARAM name="LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL" value="666">\n<PARAM name="OTHER_ATDEATH_EXPENSES" value="0">\n\n<PARAM name="BACKGROUND" value="/i/background.jpg">\n<PARAM name="BACKGROUND_COLOR" value="EEEEEE">\n<PARAM name="BORDER" value="ROUND">\n<PARAM name="BORDER_COLOR" value="D3D3D3">\n<PARAM name="BORDER_WIDTH" value="2">\n\n<PARAM name="TEXT_FOR_REPORT" value="<HTML>\n<HEAD>\n<TITLE>Life Insurance Calculator</TITLE>\n<META HTTP-EQUIV=\'Content-Type\' CONTENT=\'text/html; charset=iso8859-1\'>\n<META NAME=\'Description\' CONTENT=\'Financial Calculators, &QCPQ;1998-2005 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net\'>\n\n\n\n<link rel=\'stylesheet\' type=\'text/css\' href=\'/i/main.css\'>\n</head>\n<BODY bgcolor=\'#FFFFFF\' LINK=\'#003399\' VLINK=\'#666666\'>\n\n<div style=\'padding: 20px;\' id=\'report\'><h1>How much life insurance do you need?</h1>\n\n<H2>Your family may require NEW_INSURANCE_NEEDED in life insurance.</H2><P>This is based on your total life insurance needs of LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL with CURRENT_INSURANCE of current life insurance. \nThis analysis covers NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER years with an inflation rate of INFLATION_RATE per year. \nYour rate earned on savings and investments is calculated at RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS per year. \nYour combined federal and state income tax rate is COMBINED_FEDERAL_AND_STATE_TAX_RATE.\n<P>\nIMMEDIATE_NEED_MSG\n<P><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR><TD COLSPAN=2 BGCOLOR=\'CCCCCC\'><b>Total Assets</B></TD></TR>\n <TR><TD><b>Current life insurance coverage</b></TD><TD>CURRENT_INSURANCE</TD></TR>\n<TR><TD><b>Cash and savings</b></TD><TD>CASH_AND_SAVINGS</TD></TR>\n<TR><TD><b>Home equity</b></TD><TD>HOME_EQUITY</TD></TR>\n<TR><TD><b>Investments</b></TD><TD>INVESTMENTS</TD></TR>\n<TR><TD><b>Other</b></TD><TD>OTHER</TD></TR>\n<TR><TD><b>Total assets to cover expenses</b></TD><TD><B>TOTAL_ASSETS_TO_COVER_EXPENSES</B></TD></TR>\n</TABLE>\n<P><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR><TD COLSPAN=2 BGCOLOR=\'CCCCCC\'><b>Expenses at Death</B></TD></TR>\n<TR><TD><b>Estate or inheritance taxes on assets</b></TD><TD>ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS</TD></TR>\n<TR><TD><b>Probate costs</b></TD><TD>PROBATE_COSTS</TD></TR>\n<TR><TD><b>Funeral costs</b></TD><TD>FUNERAL_COSTS</TD></TR>\n<TR><TD><b>Uninsured medical costs</b></TD><TD>UNINSURED_MEDICAL_COSTS</TD></TR>\n<TR><TD><b>Debt repayment</b></TD><TD>DEBT_REPAYMENT</TD></TR>\n<TR><TD><b>College fund for child 1</b></TD><TD>COLLEGE_FUND_FOR_CHILD_1</TD></TR>\n<TR><TD><b>College fund child 2</b></TD><TD>COLLEGE_FUND_CHILD_2</TD></TR>\n<TR><TD><b>College fund child 3</b></TD><TD>COLLEGE_FUND_CHILD_3</TD></TR>\n<TR><TD><b>Other expenses</b></TD><TD>OTHER_ATDEATH_EXPENSES</TD></TR>\n<TR><TD><b>Total expenses at death</b></TD><TD><B>TOTAL_EXPENSES_AT_DEATH</B></TD></TR>\n</TABLE>\n<P><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR><TD COLSPAN=4 BGCOLOR=\'CCCCCC\'><b>Your Family\'s Future Income (After Taxes)</B></TD></TR>\n<TR BGCOLOR=\'CCCCCC\'><TD>&NBSP;</TD><TD>Amount</TD><TD>Years until Start</TD><TD>Duration</TD></TR>\n<TR><TD><b>Spouse income from work</b></TD><TD>SPOUSE_INCOME_FROM_WORK</TD><TD>YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK</TD><TD>DURATION_SPOUSE_INCOME_FROM_WORK</TD></TR>\n\n<TR><TD><b>Social security survivor benefits children at home</b></TD><TD>SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME</TD><TD>YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME</TD><TD>DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME</TD></TR>\n\n<TR><TD><b>Social Security survivor benefits children gone</b></TD><TD>SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE</TD><TD>YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE</TD><TD>DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE</TD></TR>\n\n<TR><TD><b>Other Income</b></TD><TD>OTHER_INCOME</TD><TD>YEARS_UNTIL_START_OTHER_INCOME</TD><TD>DURATION_OTHER_INCOME</TD></TR>\n<TR><TD><B>Total future income*</B></TD>\n<TD colspan=3><B>TOTAL_VALUE_OF_CURRENT_INCOME</B></TD></TR>\n</TABLE>\n<P><table bgcolor=\'#FFFFFF\' border=0 width=100% cellspacing=1 cellpadding=5>\n<TR><TD COLSPAN=4 BGCOLOR=\'CCCCCC\'><b>Your Family\'s Future Expenses</B></TD></TR>\n<TR BGCOLOR=\'CCCCCC\'><TD>&NBSP;</TD><TD>Amount</TD><TD>Years until Start</TD><TD>Duration</TD></TR>\n\n<TR><TD><b>Child care expenses</b></TD><TD>CHILD_CARE_EXPENSES</TD><TD>YEARS_UNTIL_START_CHILD_CARE_EXPENSES</TD><TD>DURATION_CHILD_CARE_EXPENSES</TD></TR>\n\n<TR><TD><b>Living expenses with children at home</b></TD><TD>LIVING_EXPENSES_WITH_CHILDREN_AT_HOME</TD><TD>YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_</TD><TD>DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_</TD></TR>\n\n<TR><TD><b>Living expenses with children gone</b></TD><TD>LIVING_EXPENSES_WITH_CHILDREN_GONE</TD><TD>YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE</TD><TD>DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE</TD></TR>\n\n<TR><TD><b>Children\'s education expenses</b></TD><TD>CHILDRENS_COLLEGE_EXPENSES</TD><TD>YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES</TD><TD>DURATION_CHILDRENS_COLLEGE_EXPENSES</TD></TR>\n\n<TR><TD><b>Retraining and education for spouse</b></TD><TD>RETRAINING_AND_EDUCATION_FOR_SPOUSE</TD><TD>YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE</TD><TD>DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE</TD></TR>\n\n<TR><TD><b>Other expenses</b></TD><TD>OTHER_EXPENSES</TD>\n<TD>YEARS_UNTIL_START_OTHER_EXPENSES</TD><TD>DURATION_OTHER_EXPENSES</TD></TR>\n<TR><TD><b>Total future expenses*</b></TD><TD COLSPAN=3><B>TOTAL_FUTURE_EXPENSES</B></TD></TR>\n</TABLE>\n<P>*Both the future expenses and future income totals are expressed as the amount of cash required today, invested at your expected rate of return, to equal the total future cash flow. For example, if you are expecting to receive $1,000 in exactly one year, that $1,000 has the same value as $909 today invested at 10%. Our totals show these current amounts to calculate the life insurance you require today to help cover your future expenses after your future income is taken into account.\n<h2>Income and expenses**</h2>\n**REPEATING GROUP**\n<P>**Please note that interest income in the above schedule is calculated at AFTERTAX_RATE, which is your after tax annual rate of return.\n\n<BR>\n<HR SIZE=1>\n<P class=footer>  Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.  We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P><br><br>\n</div></body>\n</HTML>\n">\nThis Financial Calculator requires a Browser with Java(TM) applet Support.  If you are seeing this message you will need to download SUN\'s Java(TM) Plug-in.  This can be done simply, and automatically, by clicking the link below: <P><A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java(TM) Plug-in!</b></A></APPLET>';
}