function MM4Lt_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 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></td></tr>";
	sHTML=sHTML+"<TR><TD align=center bgcolor='#98D1E0' style='border-left: 1px solid #808080; border-right: 1px solid #808080' colSpan=4 border='0' cellpadding='0' height='16'>";
	sHTML=sHTML+"<a href='http://b2b.thefinancials.com/alacarte.asp' target='_top'><div style='font-family: Arial; font-size: 10px;'>View Private Label Content</div></a></TD>";
	sHTML=sHTML+"</TR>";
	sHTML=sHTML+"      <tr>";
	sHTML=sHTML+"        <td colspan='4' bgcolor='#053769' align='center'><font color='#CBD5E1' face='Arial, Helvetica' size='2'><b>Mortgage Indices</b></font></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"      <tr>";
	sHTML=sHTML+"        <td  bgcolor='#053769' colspan='2' align='left'><font face='Arial, Helvetica' size='2' color='#CBD5E1' >&nbsp;28-Apr-09</font></td>";
	sHTML=sHTML+"        <td bgcolor='#053769' align='center'><font face='Arial, Helvetica' size='2' color='#CBD5E1'>Last</font></td>";
	sHTML=sHTML+"<td  bgcolor='#053769' align='center'><font face='Arial, Helvetica' size='2' color='#CBD5E1'>Change</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;Treasury Bond (constant maturity) 5-year as of 24-Apr-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>Treasury - 5-Year</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 0.07% as of 24-Apr-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>1.96%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#008000'>0.07%</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;Treasury Bond (constant maturity) 10-year as of 24-Apr-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>Treasury - 10-Year</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 0.07% as of 24-Apr-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#008000'>3.03%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#008000'>0.07%</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;U.S. Federal Reserve Prime Rate as of 28-Apr-2009 00:01&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>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 28-Apr-2009 00:01&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#000000'>3.25%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='1' face='Arial, Helvetica' color='#000000'>0.00%</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;USD 6M LIBOR as of 27-Apr-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>LIBOR - 6-Month</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 0.031% as of 27-Apr-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>1.590%</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'>-0.031%</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;USD 3M LIBOR as of 28-Apr-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>LIBOR - 3-Month</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 0.004% as of 28-Apr-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>1.050%</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'>-0.004%</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;USD 1M LIBOR as of 28-Apr-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='1'>LIBOR - 1-Month</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 0.002% as of 28-Apr-2009 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='1' face='Arial, Helvetica' color='#FF0000'>0.430%</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'>-0.002%</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='#053769' size='1'></td>";
	sHTML=sHTML+"</tr>";
	sHTML=sHTML+"<tr >";
	sHTML=sHTML+"<td align='center' valign='top'>";
	sHTML=sHTML+"<a href =  'http://currencies.theFinancials.com'";
	sHTML=sHTML+" onmouseover='window.status=&quot;View Historical Comparisons: Mortgage Indices&quot;; return true' ";
	sHTML=sHTML+" onmouseout='window.status=&quot;&quot;; return true' target='_top'><font style='color: #FF0000; font-family:Arial; font-size: 10pt;'><b>view charts &amp; history</b></font></a>";
	sHTML=sHTML+"<br><a href='http://freecontent.theFinancials.com/' 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></a>";
	sHTML=sHTML+"</td>";
	sHTML=sHTML+" </tr>";
	sHTML=sHTML+"<tr >";
	sHTML=sHTML+"<td valign='top' colspan='2'> <hr color='#053769' 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 style='font-size: 7pt; font-family: Verdana, Arial, Helvetica;'  size='1' face = 'Arial Narrow, Helvetica'>sources: Federal Reserve, DTN</font></div><div align='center'> <a href='http://www.theFinancials.com' target='_top'><font style='font-size: 7pt; font-family: Verdana, Arial, Helvetica;'>&#169; theFinancials.com </a></font></div></td></tr></table></center>";
	sHTML=sHTML+"</center></div>";
	return sHTML;
}