function EXm_BestMortgageRates_LIBOR(sPID,sParamName,sParamVal) {
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	sHTML=sHTML+"width='260'><tr>";
	sHTML=sHTML+"<td nowrap colspan='4'  bgcolor='#4BAFC8'>";
	sHTML=sHTML+"<a href='http://www.theFinancials.com' target='_top'><img src = 'http://www.thefinancials.com/images/theFinancials_105x16.gif' alt='Compelling Content for Websites &amp; Investors' border='0' width='105' height='16'></a> <tr> <td align=center nowrap colspan='4' bgcolor='#98D1E0' style='border-left: 1px solid #808080; border-right: 1px solid #808080'><a href='http://www.erate.com/mortgage_rates_search_tfw.htm' target='_top'><div style='font-family: Arial; font-size: 12px;'>Click for Today's Mortgage Rates</div></a> </td></tr>";
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	sHTML=sHTML+"      <tr>";
	sHTML=sHTML+"        <td colspan='4' bgcolor='#000000' align='center'><font color='#FFFFFF' face='Arial, Helvetica' size='2'><b>National Average ARM Loan Rates</b></font><br>";
	sHTML=sHTML+"<a href='#' onClick='ZoomThumbnail(&quot;vortex&quot;,&quot;Chart443864&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//i008517p.jpg' name='Chart443864' alt='Click to Enlarge' border='0' width='260' height='130' style='padding-top: 1px; padding-left: 1px; padding-right: 1px' hspace='1'></a></td>";
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	sHTML=sHTML+"<tr><td colspan='4' 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;Chart443864&quot;,&quot;Fname09504&quot;)'>Week&nbsp;<input type='radio' value='M-1' name='optTimeframe' onclick='ChangeTimeframes(&quot;Chart443864&quot;,&quot;Fname09504&quot;)' checked>Month&nbsp;<input type='radio' value='Y-2' name='optTimeframe' onclick='ChangeTimeframes(&quot;Chart443864&quot;,&quot;Fname09504&quot;)'>Year&nbsp;<input type='radio' value='Y3-3' name='optTimeframe' onclick='ChangeTimeframes(&quot;Chart443864&quot;,&quot;Fname09504&quot;)'>3 Yrs</b></font>    </td></tr>      <tr>";
	sHTML=sHTML+"        <td  bgcolor='#000080' colspan='2' align='left'><font face='Arial, Helvetica' size='2' color='#FFFFFF' >27-Jan-09</font></td>";
	sHTML=sHTML+"        <td bgcolor='#000080' align='center'><font face='Arial, Helvetica' size='2' color='#FFFFFF'>APR</font></td>";
	sHTML=sHTML+"        <td bgcolor='#000080' align='center'><font face='Arial, Helvetica' size='2' color='#FFFFFF'>APR</font></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"</form>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008494&quot;,&quot;i008514&quot;,&quot;i000000&quot;,&quot;i000000&quot;,&quot;Chart443864_ChartInd_834544&quot;,&quot;Fname09504&quot;);return false;'  onmouseover='window.status=&quot;1 Year ARM Conforming - United States as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>1 Year ARM</font></a>";
	sHTML=sHTML+" <img name='Chart443864_ChartInd_834544' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;up 0.00% as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>3.87%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#008000'>5.65%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008498&quot;,&quot;i008518&quot;,&quot;i000000&quot;,&quot;i000000&quot;,&quot;Chart443864_ChartInd_921763&quot;,&quot;Fname09504&quot;);return false;'  onmouseover='window.status=&quot;3/1 Year ARM Conforming - United States as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>3/1 Year ARM</font></a>";
	sHTML=sHTML+" <img name='Chart443864_ChartInd_921763' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;up 0.01% as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>4.11%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#008000'>5.67%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008495&quot;,&quot;i008515&quot;,&quot;i000000&quot;,&quot;i000000&quot;,&quot;Chart443864_ChartInd_26012&quot;,&quot;Fname09504&quot;);return false;'  onmouseover='window.status=&quot;5/1 Year ARM Conforming - United States as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>5/1 Year ARM</font></a>";
	sHTML=sHTML+" <img name='Chart443864_ChartInd_26012' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;up 0.00% as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>4.32%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#008000'>5.46%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008496&quot;,&quot;i008516&quot;,&quot;i000000&quot;,&quot;i000000&quot;,&quot;Chart443864_ChartInd_303048&quot;,&quot;Fname09504&quot;);return false;'  onmouseover='window.status=&quot;7/1 Year ARM Conforming - United States as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>7/1 Year ARM</font></a>";
	sHTML=sHTML+" <img name='Chart443864_ChartInd_303048' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:center; '><img src='http://www.thefinancials.com/images/downarrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;down 0.00% as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>4.59%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#FF0000'>5.78%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008504&quot;,&quot;i008524&quot;,&quot;i000000&quot;,&quot;i000000&quot;,&quot;Chart443864_ChartInd_640092&quot;,&quot;Fname09504&quot;);return false;'  onmouseover='window.status=&quot;10/1 Year ARM Conforming - United States as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>10/1 Year ARM</font></a>";
	sHTML=sHTML+" <img name='Chart443864_ChartInd_640092' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;up 0.03% as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>5.05%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#008000'>6.13%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008497&quot;,&quot;i008517&quot;,&quot;i000000&quot;,&quot;i000000&quot;,&quot;Chart443864_ChartInd_312004&quot;,&quot;Fname09504&quot;);return false;'  onmouseover='window.status=&quot;1 Year ARM Jumbo - United States as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>1 Year ARM Jumbo</font></a>";
	sHTML=sHTML+" <img name='Chart443864_ChartInd_312004' 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: 2; padding-bottom: 2; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;up 0.00% as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>3.95%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#000000'>6.11%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008501&quot;,&quot;i008521&quot;,&quot;i000000&quot;,&quot;i000000&quot;,&quot;Chart443864_ChartInd_684635&quot;,&quot;Fname09504&quot;);return false;'  onmouseover='window.status=&quot;3/1 Year ARM Jumbo - United States as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>3/1 Year ARM Jumbo</font></a>";
	sHTML=sHTML+" <img name='Chart443864_ChartInd_684635' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;up 0.00% as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>4.23%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#008000'>5.91%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008503&quot;,&quot;i008523&quot;,&quot;i000000&quot;,&quot;i000000&quot;,&quot;Chart443864_ChartInd_89142&quot;,&quot;Fname09504&quot;);return false;'  onmouseover='window.status=&quot;5/1 Year ARM Jumbo - United States as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>5/1 Year ARM Jumbo</font></a>";
	sHTML=sHTML+" <img name='Chart443864_ChartInd_89142' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;up 0.01% as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>4.45%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#008000'>5.93%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008502&quot;,&quot;i008522&quot;,&quot;i000000&quot;,&quot;i000000&quot;,&quot;Chart443864_ChartInd_245921&quot;,&quot;Fname09504&quot;);return false;'  onmouseover='window.status=&quot;7/1 Year ARM Jumbo - United States as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>7/1 Year ARM Jumbo</font></a>";
	sHTML=sHTML+" <img name='Chart443864_ChartInd_245921' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;up 0.00% as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>4.79%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#008000'>6.29%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a href='#' onClick='LoadThumbnail(&quot;i008507&quot;,&quot;i008527&quot;,&quot;i000000&quot;,&quot;i000000&quot;,&quot;Chart443864_ChartInd_852181&quot;,&quot;Fname09504&quot;);return false;'  onmouseover='window.status=&quot;10/1 Year ARM Jumbo - United States as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>10/1 Year ARM Jumbo</font></a>";
	sHTML=sHTML+" <img name='Chart443864_ChartInd_852181' border='0' src='http://www.thefinancials.com/images/blank.gif'></td>";
	sHTML=sHTML+"        <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:center; '><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;up 0.05% as of 26-Jan-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>5.46%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#008000'>6.94%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr >";
	sHTML=sHTML+"<td colspan='4' align='center' valign='top'>";
	sHTML=sHTML+"<div align='center'>";
	sHTML=sHTML+"<table border='0' cellpadding='0' cellspacing='0' width='100%'>";
	sHTML=sHTML+"<tr >";
	sHTML=sHTML+"<td valign='top' colspan='2'> <hr color='#CCCCCC' size='1'></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr >";
	sHTML=sHTML+" <td align='center' valign='bottom' width='50%'>";
	sHTML=sHTML+"<a href='http://www.theFinancials.com/GotoReport.html?site=VORTEX&id=EX_BestMortgageRates_LIBOR.html' onmouseover='window.status=&quot;View Historical Comparisons: National Average ARM Loan Rates&quot;; return true' target='_top'><b>view details &amp; history</b></a></td>";
	sHTML=sHTML+"<td align='center' valign='bottom' width='50%' >";
	sHTML=sHTML+"<a href='http://www.theFinancials.com/LoadSample.html?style=Medium%20Thumbnail&styleid=M&title=National%20Average%20ARM%20Loan%20Rates&id=3158&file=EXm_BestMortgageRates_LIBOR&branding=C' onmouseover='window.status=&quot;Request instructions for adding this report to your site, for FREE.&quot;; return true' onmouseout='window.status=&quot;&quot;; return true' target='_top'><b>add to your site (free)</b></b></font></a></td>";
	sHTML=sHTML+" </tr>";
	sHTML=sHTML+"<tr >";
	sHTML=sHTML+"<td valign='top' colspan='2'> <hr color='#CCCCCC' 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  width = '260'><tr><td><div align='center' style='margin-top: 0; margin-bottom: 0'><font color='#000000'' size='1' face = 'Arial, Helvetica'>source: informars.com, erate.com</font></div><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;
}

