function EXc_MortgageRates_NatlAvg(sPID,sParamName,sParamVal) {
	initChart1Props='i008505_i008525_i008545_i008565';

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	sHTML=sHTML+"width='165'>";
	sHTML=sHTML+"<tr>";
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	sHTML=sHTML+"        <a title='view details/history' href='http://www.theFinancials.com/Default.aspx?SubSectionID=homesumm&ReportFileName=EX_MortgageRates_NatlAvg.html' target='_top'>view details/history</a><font style='font-family: Arial; font-size: 10px; color: #FF0000;'>&nbsp;|</font>";
	sHTML=sHTML+"        <a title='get widget' href='http://www.theFinancials.com/WidgetWizard.aspx?id=0215304751&src=free' target='_top'>get widget</a></div>";
	sHTML=sHTML+"    </td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<TR><TD align='center' style='border-left: 1px solid #000000; border-right: 1px solid #000000; border-bottom: 1px solid #000000' colSpan=3 border='0' cellpadding='0' height='16'>";
	sHTML=sHTML+"<!-- ";
	sHTML=sHTML+"Code for Futures Press Banner 150x60";
	sHTML=sHTML+"Replace xxx with your Affiliate code";
	sHTML=sHTML+"-->";
	sHTML=sHTML+"<!type='text/javascript' src='http://futurespress.net/banner/ad.js?code=Pe1ACGOpD6EWm9FGHEw8g,fin'></script><iframe src='http://futurespress.net/banner/RenderNS.ashx?code=Pe1ACGOpD6EWm9FGHEw8g&AffCode=fin' scrolling='no' frameborder='0' width='150' height='60'></iframe></TD>";
	sHTML=sHTML+"</TR>";
	sHTML=sHTML+"<form name='Fname08967'>";
	sHTML=sHTML+"      <tr>";
	sHTML=sHTML+"        <td colspan='3' bgcolor='#000000' align='center'><font color='#FFFFFF' face='Arial, Helvetica' size='2'><b>Mortgage Rates</b></font><br>";
	sHTML=sHTML+"<a href='#' onClick='ZoomThumbnail(&quot;vortex&quot;,&quot;Chart179041&quot;,&quot;&quot;,&quot;C&quot;);return false;' onmouseover='window.status=&quot;Click to Enlarge&quot;; return false' onmouseout='window.status=&quot;&quot;; return false' target='_self'><img src='http://www.thefinancials.com/charts//i008525t.jpg' name='Chart179041' alt='Click to Enlarge' border='0' width='165' height='100' style='padding-top: 1px; padding-left: 1px; padding-right: 1px;' hspace='1'></a></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"<tr><td colspan='3' bgcolor='#000000' align='center' nowrap valign='middle'><font color='#FFFFFF' face='Arial, Helvetica' size='2'><b><input type='radio' value='W-0' name='optTimeframe' onclick='ChangeTimeframes(&quot;Chart179041&quot;,&quot;Fname08967&quot;)'>Wk&nbsp;<input type='radio' value='M-1' name='optTimeframe' onclick='ChangeTimeframes(&quot;Chart179041&quot;,&quot;Fname08967&quot;)' checked>Mo&nbsp;<input type='radio' value='Y-2' name='optTimeframe' onclick='ChangeTimeframes(&quot;Chart179041&quot;,&quot;Fname08967&quot;)'>Yr&nbsp;<input type='radio' value='Y3-3' name='optTimeframe' onclick='ChangeTimeframes(&quot;Chart179041&quot;,&quot;Fname08967&quot;)'>3Yr</b></font>    </td></tr>      <tr>";
	sHTML=sHTML+"        <td  bgcolor='#000080' colspan='2' align='left'><font face='Arial, Helvetica' size='2' color='#FFFFFF' >8-Feb-12</font></td>";
	sHTML=sHTML+"        <td align='center' bgcolor='#000080'><font face='Arial, Helvetica' size='2' color='#FFFFFF'>APR</font></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"</form>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i000000&quot;,&quot;i002183&quot;,&quot;i002182&quot;,&quot;i002184&quot;,&quot;Chart179041_ChartInd_228302&quot;,&quot;Fname08967&quot;);return false;'  onmouseover='window.status=&quot;15 Year Fixed Rate Mortgage, Freddie Mac Primary Mortgage Market Survey Average as of 3-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>15 Yr FXD avg</font></a>";
	sHTML=sHTML+" <img name='Chart179041_ChartInd_228302' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:center; '><img src='http://www.thefinancials.com/images/downarrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:right;'><a onmouseover='window.status=&quot;down 0.10% as of 3-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>3.14%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i000000&quot;,&quot;i002187&quot;,&quot;i002186&quot;,&quot;i002185&quot;,&quot;Chart179041_ChartInd_221627&quot;,&quot;Fname08967&quot;);return false;'  onmouseover='window.status=&quot;30 Year Fixed Rate Mortgage, Freddie Mac Primary Mortgage Market Survey Average as of 3-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>30 Yr FXD avg</font></a>";
	sHTML=sHTML+" <img name='Chart179041_ChartInd_221627' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:center; '><img src='http://www.thefinancials.com/images/downarrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:right;'><a onmouseover='window.status=&quot;down 0.11% as of 3-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>3.87%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008506&quot;,&quot;i008526&quot;,&quot;i008546&quot;,&quot;i008566&quot;,&quot;Chart179041_ChartInd_370497&quot;,&quot;Fname08967&quot;);return false;'  onmouseover='window.status=&quot;15 Year Fixed Jumbo - United States as of 8-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>15 Yr FXD Jumbo</font></a>";
	sHTML=sHTML+" <img name='Chart179041_ChartInd_370497' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:right;'><a onmouseover='window.status=&quot;up 0.02% as of 8-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>3.63%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008505&quot;,&quot;i008525&quot;,&quot;i008545&quot;,&quot;i008565&quot;,&quot;Chart179041_ChartInd_474852&quot;,&quot;Fname08967&quot;);return false;'  onmouseover='window.status=&quot;30 Year Fixed Jumbo - United States as of 8-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>30 Yr FXD Jumbo</font></a>";
	sHTML=sHTML+" <img name='Chart179041_ChartInd_474852' border='0' src='http://www.thefinancials.com/images/ActiveChart.gif' alt='This marker indicates the current chart.'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:center; '><img src='http://www.thefinancials.com/images/downarrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:right;'><a onmouseover='window.status=&quot;down 0.06% as of 8-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>4.36%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr><td nowrap colspan='4' height='10'><hr color='#C0C0C0' size='1' width='100%'></td></tr><tr ><tr>   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i000000&quot;,&quot;i002179&quot;,&quot;i002177&quot;,&quot;i002178&quot;,&quot;Chart179041_ChartInd_696394&quot;,&quot;Fname08967&quot;);return false;'  onmouseover='window.status=&quot;1 Year Adjustable Rate Mortgage - Freddie Mac Primary Mortgage Market Survey Average as of 3-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>1 Yr ARM avg</font></a>";
	sHTML=sHTML+" <img name='Chart179041_ChartInd_696394' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:right;'><a onmouseover='window.status=&quot;up 0.02% as of 3-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>2.76%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i000000&quot;,&quot;i003377&quot;,&quot;i003376&quot;,&quot;i003378&quot;,&quot;Chart179041_ChartInd_865449&quot;,&quot;Fname08967&quot;);return false;'  onmouseover='window.status=&quot;5/1 Year Adjustable Rate Mortgage - Freddie Mac Primary Mortgage Market Survey Average as of 3-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>5/1 ARM avg</font></a>";
	sHTML=sHTML+" <img name='Chart179041_ChartInd_865449' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:center; '><img src='http://www.thefinancials.com/images/downarrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:right;'><a onmouseover='window.status=&quot;down 0.05% as of 3-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>2.80%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008495&quot;,&quot;i008515&quot;,&quot;i008535&quot;,&quot;i008555&quot;,&quot;Chart179041_ChartInd_544744&quot;,&quot;Fname08967&quot;);return false;'  onmouseover='window.status=&quot;5/1 Year ARM Conforming - United States as of 8-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>5/1 Yr ARM</font></a>";
	sHTML=sHTML+" <img name='Chart179041_ChartInd_544744' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:center; '><img src='http://www.thefinancials.com/images/downarrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:right;'><a onmouseover='window.status=&quot;down 0.03% as of 8-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>2.72%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008503&quot;,&quot;i008523&quot;,&quot;i008543&quot;,&quot;i008563&quot;,&quot;Chart179041_ChartInd_884973&quot;,&quot;Fname08967&quot;);return false;'  onmouseover='window.status=&quot;5/1 Year ARM Jumbo - United States as of 8-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>5/1 Yr ARM Jumbo</font></a>";
	sHTML=sHTML+" <img name='Chart179041_ChartInd_884973' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:right;'><a onmouseover='window.status=&quot;up 0.01% as of 8-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>2.94%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:left; '><a  onmouseover='window.status=&quot;7/1 Year ARM Jumbo - United States as of 1-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>7/1 Yr ARM Jumbo</font></a>";
	sHTML=sHTML+" <img name='Chart179041_ChartInd_917449' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:center; '><img src='http://www.thefinancials.com/images/noarrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 1; padding-bottom: 1; text-align:right;'><a onmouseover='window.status=&quot;no change as of 1-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#000000'>2.87%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr >";
	sHTML=sHTML+"<td colspan='3' align='center' valign='top'>";
	sHTML=sHTML+"<div align='center'>";
	sHTML=sHTML+"<table style='height:1px; margin: -2;' border='0' cellpadding='0' cellspacing='0' width='100%'>";
	sHTML=sHTML+"<tr >";
	sHTML=sHTML+"<td valign='top' colspan='2'> <hr color='#C0C0C0' size='1'></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"</table>";
	sHTML=sHTML+"</div>";
	sHTML=sHTML+"</td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"</table>";
	sHTML=sHTML+"<center>";
	sHTML=sHTML+"<table style='margin-top: -2; margin-bottom: 0;' width = '165'><tr><td><div align='center'> <a href='http://www.theFinancials.com' target='_top'><font SIZE='1' FACE='Arial, Helvetica'>&#169; theFinancials.com </a></font></div></td></tr></table></center>";
	sHTML=sHTML+"</center></div>";
	return sHTML;
}