function FCFCt_MortgageUpdate(sPID,sParamName,sParamVal) {

	sHTML="";
	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+">      <tr>";
	sHTML=sHTML+"        <td colspan='3' bgcolor='#000066' align='center'><font color='#FFFFFF' face='Arial, Helvetica' size='2'><b>Mortgage Update</b></font></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"      <tr>";
	sHTML=sHTML+"        <td  bgcolor='#990000' colspan='2' align='left'><font face='Arial, Helvetica' size='2' color='#FFFFFF' >17-Oct-08</font></td>";
	sHTML=sHTML+"        <td bgcolor='#990000' align='center'><font face='Arial, Helvetica' size='2' color='#FFFFFF'>Last</font></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <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 17-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>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/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 0.52% as of 17-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>6.46%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <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 17-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>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/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 0.51% as of 17-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>6.14%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <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 17-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>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/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 17-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>5.16%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;Cost of Deposit Index as of 31-Aug-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>CODI</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 0.225% as of 31-Aug-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>3.673%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;Cost of Savings Index as of 31-Aug-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>COSI</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 0.040% as of 31-Aug-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>3.730%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;12 Month Treasury Average as of 31-Aug-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>12 MTA</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 0.190% as of 31-Aug-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>2.665%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;11th District Cost of Funds Index (COFI) as of 30-Sep-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>COFI-11th District</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 0.005% as of 30-Sep-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>2.693%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;Federal Cost of Funds Index (COFI) as of 31-Aug-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>COFI-Federal</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 0.004% as of 31-Aug-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>3.013%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;Federal Funds Target Rate as of 17-Oct-2008 10:26&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>Federal Funds (target)</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/noarrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;no change as of 17-Oct-2008 10:26&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#000000'>1.50%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;Wall Street Journal Prime Rate as of 17-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>WSJ Prime Rate</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/noarrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;'><a onmouseover='window.status=&quot;no change as of 17-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#000000'>4.50%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;Treasury Bill (constant maturity) 1-year as of 15-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>1 Year CMT</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 0.08% as of 15-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>1.14%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;Treasury Bond (constant maturity) 30-year as of 15-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>30 Year Treasury</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 15-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>4.25%</font></a></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:left; '><a  onmouseover='window.status=&quot;USD 12M LIBOR as of 15-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>USD 12M LIBOR</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 0.026% as of 15-Oct-2008 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>4.034%</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 border='0' cellpadding='0' cellspacing='0' width='100%'>";
	sHTML=sHTML+"<tr >";
	sHTML=sHTML+"<td valign='top' colspan='1'> <hr color='#000066' size='0'></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 Narrow, Helvetica'>sources: Freddie Mac, DTN, FHLBSF, Federal Reserve</font></div><div align='center'><font SIZE='1' FACE='Arial, Helvetica'>&#169; theFinancials.com</font></div></td></tr></table></center>";
	sHTML=sHTML+"</center></div>";
	return sHTML;
}