function EXs_MortgageRates_NatlAvg(sPID,sParamName,sParamVal) {

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	sHTML=sHTML+"        <a title='view charts/history' href='http://www.theFinancials.com/Default.aspx?SubSectionID=homesumm&ReportFileName=EX_MortgageRates_NatlAvg.html' target='_top'>view charts/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/LoadSample.html?lang=EN&style=Small%20Thumbnail&styleid=S&title=National%20Average%20Mortgage%20Rates&id=4748&file=EXs_MortgageRates_NatlAvg&branding=C'' target='_top'>get widget</a></div>";
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	sHTML=sHTML+"</tr>";
	sHTML=sHTML+" <tr> <td align=center nowrap colspan='4' bgcolor='#F1F1ED' style='border-left: 1px solid #808080; border-bottom: 1px solid #808080; border-right: 1px solid #808080'><a href='http://ad.doubleclick.net/jump/invc.thefinancials/widget_small;kw=;kval=widget_small;tile=5;sz=88x31;ord=123456789?' target='_blank'><img src='http://ad.doubleclick.net/ad/invc.thefinancials/widget_small;kw=;kval=widget_small;tile=5;sz=88x31;ord=123456789?' width='88' height='31' border='0' alt=''></a>";
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	sHTML=sHTML+"<!-- End ad tag --> </td>      <tr>";
	sHTML=sHTML+"        <td colspan='4' bgcolor='#000000' align='center'><font color='#FFFFFF' face='Arial, Helvetica' size='2'><b>National Average Mortgage Rates</b></font></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"      <tr>";
	sHTML=sHTML+"        <td  bgcolor='#000080' colspan='2' align='left'><font face='Arial, Helvetica' size='2' color='#FFFFFF' >&nbsp;3-Sep-10</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'>Change</font></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;15 Year Fixed Rate Mortgage, Freddie Mac Primary Mortgage Market Survey Average as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>15 Yr FXD, natl avg</font></a>";
	sHTML=sHTML+"</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 0.03% as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#FF0000'>3.83%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#FF0000'>-0.03%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;30 Year Fixed Rate Mortgage, Freddie Mac Primary Mortgage Market Survey Average as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>30 Yr FXD, natl avg</font></a>";
	sHTML=sHTML+"</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 0.04% as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#FF0000'>4.32%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#FF0000'>-0.04%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;15 Year Fixed Jumbo - United States as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>15 Year Fixed Jumbo</font></a>";
	sHTML=sHTML+"</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 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>4.43%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#008000'>0.01%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;30 Year Fixed Jumbo - United States as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>30 Year Fixed Jumbo</font></a>";
	sHTML=sHTML+"</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 0.02% as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>5.23%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#008000'>0.02%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr><td nowrap colspan='5' height='10'><hr color='#C0C0C0' size='1' width='100%'></td></tr><tr ><tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;1 Year Adjustable Rate Mortgage - Freddie Mac Primary Mortgage Market Survey Average as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>1 Yr ARM, natl avg</font></a>";
	sHTML=sHTML+"</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 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#FF0000'>3.50%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#FF0000'>-0.02%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;5/1 Year Adjustable Rate Mortgage - Freddie Mac Primary Mortgage Market Survey Average as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>5/1 ARM, natl avg</font></a>";
	sHTML=sHTML+"</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 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#FF0000'>3.54%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#FF0000'>-0.02%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;5/1 Year ARM Conforming - United States as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>5/1 Year ARM</font></a>";
	sHTML=sHTML+"</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 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>3.19%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#008000'>0.01%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;5/1 Year ARM Jumbo - United States as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>5/1 Year ARM Jumbo</font></a>";
	sHTML=sHTML+"</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 0.04% as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>3.76%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#008000'>0.04%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr><td nowrap colspan='5' height='10'><hr color='#C0C0C0' size='1' width='100%'></td></tr><tr ><tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;30 Year Fixed Rate Mortgage, Freddie Mac Primary Mortgage Market Survey Average as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>30 Yr FXD, natl avg</font></a>";
	sHTML=sHTML+"</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 0.04% as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#FF0000'>4.32%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#FF0000'>-0.04%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;30 Year Fixed Jumbo - United States as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>30 Year Fixed Jumbo</font></a>";
	sHTML=sHTML+"</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 0.02% as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>5.23%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#008000'>0.02%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;15 Year Fixed Rate Mortgage, Freddie Mac Primary Mortgage Market Survey Average as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>15 Yr FXD, natl avg</font></a>";
	sHTML=sHTML+"</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 0.03% as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#FF0000'>3.83%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#FF0000'>-0.03%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;15 Year Fixed Jumbo - United States as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>15 Year Fixed Jumbo</font></a>";
	sHTML=sHTML+"</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 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>4.43%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#008000'>0.01%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;5/1 Year ARM Conforming - United States as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>5/1 Year ARM</font></a>";
	sHTML=sHTML+"</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 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>3.19%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#008000'>0.01%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;5/1 Year ARM Jumbo - United States as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>5/1 Year ARM Jumbo</font></a>";
	sHTML=sHTML+"</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 0.04% as of 3-Sep-2010 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>3.76%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#008000'>0.04%</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+"</table>";
	sHTML=sHTML+"</div>";
	sHTML=sHTML+"</td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"</table>";
	sHTML=sHTML+"<center>";
	sHTML=sHTML+"<table ><tr><td><div align='center' style='margin-top: 0; margin-bottom: 0'><font color='#000000'' size='1' face = 'Arial, Helvetica'>source: Freddie Mac</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;
}
