function EXm_ConsumerRates(sPID,sParamName,sParamVal) {
	initChart1Props='i000000_i007577_i007584_i007591';

	sHTML="";
	sHTML=sHTML+"<!LANGUAGE='JavaScript' SRC='http://www.theFinancials.com/js/Thumbnails.js'></script>";
	sHTML=sHTML+"<div align='center'><center>";
	sHTML=sHTML+"<table border=0 cellspacing='0' cellpadding='2'";
	
	if (typeof(sParamName)!='undefined' && typeof(sParamVal)!='undefined') {
	   if (sParamName.toLowerCase()=='table_width' && sParamVal) {
	       sHTML=sHTML+" width='" + sParamVal + "'";
	   }
	}
	
	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://b2b.thefinancials.com/alacarte.asp' target='_top'><div style='font-family: Arial; font-size: 12px;'>Private Label Content</div></a> </td></tr>";
	sHTML=sHTML+"<form name='Fname08486'>";
	sHTML=sHTML+"      <tr>";
	sHTML=sHTML+"        <td colspan='4' bgcolor='#000000' align='center'><font color='#FFFFFF' face='Arial, Helvetica' size='2'><b>Consumer Interest Rates</b></font><br>";
	sHTML=sHTML+"<a href='#' onClick='ZoomThumbnail(&quot;indices&quot;,&quot;Chart462784&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//i007584p.jpg' name='Chart462784' alt='Click to Enlarge' border='0' width='260' height='130' style='padding-top: 1px; padding-left: 1px; padding-right: 1px' hspace='1'></a></td>";
	sHTML=sHTML+"      </tr>";
	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='M-1' name='optTimeframe' onclick='ChangeTimeframes(&quot;Chart462784&quot;,&quot;Fname08486&quot;)'>Month&nbsp;<input type='radio' value='Y-2' name='optTimeframe' onclick='ChangeTimeframes(&quot;Chart462784&quot;,&quot;Fname08486&quot;)' checked>1 Year&nbsp;<input type='radio' value='Y3-3' name='optTimeframe' onclick='ChangeTimeframes(&quot;Chart462784&quot;,&quot;Fname08486&quot;)'>3 Years</b></font>    </td></tr>      <tr>";
	sHTML=sHTML+"        <td  bgcolor='#000080' colspan='2' align='left'><font face='Arial, Helvetica' size='2' color='#FFFFFF' >2-Jan-09</font></td>";
	sHTML=sHTML+"        <td bgcolor='#000080' align='center'><font face='Arial, Helvetica' size='2' color='#FFFFFF'>Last</font></td>";
	sHTML=sHTML+"        <td bgcolor='#000080' align='center'><font face='Arial, Helvetica' size='2' color='#FFFFFF'>Change</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;i000000&quot;,&quot;i007578&quot;,&quot;i007585&quot;,&quot;i007592&quot;,&quot;Chart462784_ChartInd_991693&quot;,&quot;Fname08486&quot;);return false;'  onmouseover='window.status=&quot;Used Car Loan - 3 Years - National Average Rate as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>Used Car Loan 3yr - nat'l avg</font></a>";
	sHTML=sHTML+" <img name='Chart462784_ChartInd_991693' 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 0.02% as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>6.39%</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'>-0.02%</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;i000000&quot;,&quot;i007579&quot;,&quot;i007586&quot;,&quot;i007593&quot;,&quot;Chart462784_ChartInd_293088&quot;,&quot;Fname08486&quot;);return false;'  onmouseover='window.status=&quot;New Car Loan - 5 Years - National Average Rate as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>New Car Loan 5yr - nat'l avg</font></a>";
	sHTML=sHTML+" <img name='Chart462784_ChartInd_293088' 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 0.01% as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>6.02%</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'>-0.01%</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;i000000&quot;,&quot;i007581&quot;,&quot;i007588&quot;,&quot;i007595&quot;,&quot;Chart462784_ChartInd_383715&quot;,&quot;Fname08486&quot;);return false;'  onmouseover='window.status=&quot;Credit Card - Without Rewards - National Average Rate as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>Credit Card w/o rwrds-natl avg</font></a>";
	sHTML=sHTML+" <img name='Chart462784_ChartInd_383715' 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 0.11% as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>8.07%</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'>-0.11%</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;i000000&quot;,&quot;i007582&quot;,&quot;i007589&quot;,&quot;i007596&quot;,&quot;Chart462784_ChartInd_814899&quot;,&quot;Fname08486&quot;);return false;'  onmouseover='window.status=&quot;Credit Card - With Rewards - National Average Rate as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>Credit Card w/rwrds-nat'l avg</font></a>";
	sHTML=sHTML+" <img name='Chart462784_ChartInd_814899' 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 0.11% as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>9.50%</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'>-0.11%</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;i000000&quot;,&quot;i007577&quot;,&quot;i007584&quot;,&quot;i007591&quot;,&quot;Chart462784_ChartInd_349655&quot;,&quot;Fname08486&quot;);return false;'  onmouseover='window.status=&quot;Bank Savings Account - Entry Level - National Average Rate as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>Bank Savings Acct - nat'l avg</font></a>";
	sHTML=sHTML+" <img name='Chart462784_ChartInd_349655' 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/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 0.01% as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>0.14%</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'>-0.01%</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;i000000&quot;,&quot;i007580&quot;,&quot;i007587&quot;,&quot;i007594&quot;,&quot;Chart462784_ChartInd_447962&quot;,&quot;Fname08486&quot;);return false;'  onmouseover='window.status=&quot;Bank Money Market Account - National Average Rate as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>Money Market Acct - nat'l avg</font></a>";
	sHTML=sHTML+" <img name='Chart462784_ChartInd_447962' 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 0.13% as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>0.97%</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'>-0.13%</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;i000000&quot;,&quot;i007583&quot;,&quot;i007590&quot;,&quot;i007597&quot;,&quot;Chart462784_ChartInd_482813&quot;,&quot;Fname08486&quot;);return false;'  onmouseover='window.status=&quot;Home Equity Line of Credit - National Average Rate as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>HELOC - nat'l avg</font></a>";
	sHTML=sHTML+" <img name='Chart462784_ChartInd_482813' 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 0.02% as of 26-Dec-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>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='#FF0000'>-0.02%</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='#C0C0C0' size='1'></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr >";
	sHTML=sHTML+" <td align='center' valign='bottom' width='50%'>";
	sHTML=sHTML+"<a href='EX_ConsumerRates.html' onmouseover='window.status=&quot;View Historical Comparisons: Consumer Interest 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=Consumer%20Interest%20Rates&id=4485&file=EXm_ConsumerRates&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='#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  width = '260'><tr><td><div align='center' style='margin-top: 0; margin-bottom: 0'><font color='#000000'' size='1' face = 'Arial, Helvetica'>source: Wall Street Horizon</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;
}