function LQFs_MarketUpdate_Avg(sPID,sParamName,sParamVal) {

	sHTML="";
	sHTML=sHTML+"<META HTTP-EQUIV='Pragma' CONTENT='no-cache'><META HTTP-EQUIV='Expires' CONTENT='-1'>";
	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 align='center' bgcolor='#F1F1ED' style='border-top: 1px solid #808080; border-left: 1px solid #808080; border-right: 1px solid #808080' colspan='4' border='0' cellpadding='0' height='16' nowrap><div style='font-family: Arial; font-size: 10px;'>";
	sHTML=sHTML+"        <a title='view charts/history' href='http://www.theFinancials.com/' 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://freecontent.theFinancials.com/' target='_top'>get widget</a></div>";
	sHTML=sHTML+"    </td>";
	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>";
	sHTML=sHTML+"<!-- End ad tag -->";
	sHTML=sHTML+"<!-- begin ad tag (tile=6) -->";
	sHTML=sHTML+"<noscript><a href='http://ad.doubleclick.net/jump/invc.thefinancials/widget_small;kw=;kval=widget_small;tile=6;sz=88x31;ord=123456789?' target='_blank'><img src='http://ad.doubleclick.net/ad/invc.thefinancials/widget_small;kw=;kval=widget_small;tile=6;sz=88x31;ord=123456789?' width='88' height='31' border='0' alt=''></a></noscript>";
	sHTML=sHTML+"<!-- End ad tag --> </td>      <tr>";
	sHTML=sHTML+"        <td colspan='4' bgcolor='#6F6F6F' align='center'><font style='font-family: Arial; font-size: 12px; color: #FFFFFF; font-weight: bold'>Mortgage Rate Update</font></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"      <tr>";
	sHTML=sHTML+"        <td  bgcolor='#6F6F6F' colspan='2' align='left'><font style='font-family: Arial; font-size: 12px; color: #FFFFFF; font-weight: bold'>&nbsp;7-Jan-11</font></td>";
	sHTML=sHTML+"        <td bgcolor='#6F6F6F' align='center'><font  style='font-family: Arial; font-size: 12px; color: #FFFFFF; font-weight: bold'>Last</font></td>";
	sHTML=sHTML+"<td  bgcolor='#6F6F6F' align='center'><font style='font-family: Arial; font-size: 12px; color: #FFFFFF; font-weight: bold'>Chg</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 7-Jan-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2' color='#6F6F6F'>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 0.09% as of 7-Jan-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#545454'>4.77%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#545454'>-0.09%</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 7-Jan-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2' color='#6F6F6F'>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 0.07% as of 7-Jan-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#545454'>4.13%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#545454'>-0.07%</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 7-Jan-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2' color='#6F6F6F'>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 7-Jan-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#545454'>3.75%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#545454'>-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;1 Year Adjustable Rate Mortgage - Freddie Mac Primary Mortgage Market Survey Average as of 7-Jan-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2' color='#6F6F6F'>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 7-Jan-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#545454'>3.24%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#545454'>-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='#6F6F6F' 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 style='font-size: 7pt; font-family: Verdana, Arial, Helvetica; color: #000000;'  size='1' face = 'Arial, Helvetica'>source: Freddie Mac</font></div><div align='center'> <a href='http://www.theFinancials.com' target='_top'><font style='font-size: 7pt; font-family: Verdana, Arial, Helvetica; color: #000000;'color='#6F6F6F' >&#169; theFinancials.com </a></font></div></td></tr></table></center>";
	sHTML=sHTML+"</center></div>";
	return sHTML;
}