function M1Mt_Mortgage_Rates_Points(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='4' bgcolor='#303D4E' align='center'><font color='#FFFFFF' face='Arial, Helvetica' size='2'><b>Major Mortgage Rates</b></font></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"      <tr>";
	sHTML=sHTML+"        <td  bgcolor='#62728E' colspan='2' align='center'><font face='Arial, Helvetica' size='2' color='#FFFFFF' >26-Oct-06</font></td>";
	sHTML=sHTML+"        <td bgcolor='#62728E' align='center''><font face='Arial, Helvetica' size='2' color='#FFFFFF'>Last</font></td>";
	sHTML=sHTML+"        <td bgcolor='#62728E' align='center'><font face='Arial, Helvetica' size='2' color='#FFFFFF'>Points</font></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"<tr>   <td align='left' height='10' nowrap ><font face='Arial, Helvetica' size='1'><a  onmouseover='window.status=&quot;30 Year Fixed Rate Mortgage, Freddie Mac Primary Mortgage Market Survey Average as of 20-Oct-2006 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica' size='1'>30 Yr FRM avg</font></a>";
	sHTML=sHTML+"</font></td>";
	sHTML=sHTML+"        <td height='10' align='center' ><img src='http://www.thefinancials.com/images/downarrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td height='10'  align='right'><a onmouseover='window.status=&quot;down 0.01% as of 20-Oct-2006 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>6.36%</font></a></td>";
	sHTML=sHTML+"   <td height='10'  align='right'><font  size='1' face='Arial, Helvetica' color='#000000'>0.50%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td align='left' height='10' nowrap ><font face='Arial, Helvetica' size='1'><a  onmouseover='window.status=&quot;15 Year Fixed Rate Mortgage, Freddie Mac Primary Mortgage Market Survey Average as of 20-Oct-2006 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica' size='1'>15 Yr FRM avg</font></a>";
	sHTML=sHTML+"</font></td>";
	sHTML=sHTML+"        <td height='10' align='center' ><img src='http://www.thefinancials.com/images/noarrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td height='10'  align='right'><a onmouseover='window.status=&quot;no change as of 20-Oct-2006 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#000000'>6.06%</font></a></td>";
	sHTML=sHTML+"   <td height='10'  align='right'><font  size='1' face='Arial, Helvetica' color='#000000'>0.50%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td align='left' height='10' nowrap ><font face='Arial, Helvetica' size='1'><a  onmouseover='window.status=&quot;5/1 Year Adjustable Rate Mortgage - Freddie Mac Primary Mortgage Market Survey Average as of 20-Oct-2006 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica' size='1'>5/1 ARM avg</font></a>";
	sHTML=sHTML+"</font></td>";
	sHTML=sHTML+"        <td height='10' align='center' ><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td height='10'  align='right'><a onmouseover='window.status=&quot;up 0.01% as of 20-Oct-2006 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>6.11%</font></a></td>";
	sHTML=sHTML+"   <td height='10'  align='right'><font  size='1' face='Arial, Helvetica' color='#FF0000'>0.50%</font></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr>   <td align='left' height='10' nowrap ><font face='Arial, Helvetica' size='1'><a  onmouseover='window.status=&quot;3/1 Year Adjustable Rate Mortgage - Freddie Mac Primary Mortgage Market Survey Average as of 20-Oct-2006 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica' size='1'>3/1 ARM avg</font></a>";
	sHTML=sHTML+"</font></td>";
	sHTML=sHTML+"        <td height='10' align='center' ><img src='http://www.thefinancials.com/images/uparrow.gif' border='0'></td>";
	sHTML=sHTML+"   <td height='10'  align='right'><a onmouseover='window.status=&quot;up 0.01% as of 20-Oct-2006 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>5.57%</font></a></td>";
	sHTML=sHTML+"   <td height='10'  align='right'><font  size='1' face='Arial, Helvetica' color='#008000'>0.80%</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='1'> <hr color='#303D4E' 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+"<p align='center' style='margin-top: 0; margin-bottom: 0'><font style='font-size: 7pt; font-family: Verdana, Arial, Helvetica;'  size='1' face = 'Arial Narrow, Helvetica'>source: Freddie Mac</font></p><div align='center'><font style='font-size: 7pt; font-family: Verdana, Arial, Helvetica;'>&#169; theFinancials.com</font></div></center>";
	sHTML=sHTML+"</center></div>";
	return sHTML;
}