function MVCHs_MarketUpdate(sPID,sParamName,sParamVal) {

	sHTML="";
	sHTML=sHTML+"<META HTTP-EQUIV='Pragma' CONTENT='no-cache'><META HTTP-EQUIV='Expires' CONTENT='-1'><div align='center'><center>";
	sHTML=sHTML+"<table id='WidgetTable' 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+">";
	sHTML=sHTML+"      <tr>";
	sHTML=sHTML+"        <td colspan='4' bgcolor='#231F20' align='center'><font color='#D2D2D2' face='Arial, Helvetica' size='2'><b>Housing & Mortgage Markets</b></font></td>";
	sHTML=sHTML+"      </tr>";
	sHTML=sHTML+"      <tr>";
	sHTML=sHTML+"        <td  bgcolor='#D59F0F' colspan='2' align='left'><font face='Arial, Helvetica' size='2' color='#231F20' >22-Feb-12</font></td>";
	sHTML=sHTML+"        <td align='center' bgcolor='#D59F0F'><font face='Arial, Helvetica' size='2' color='#231F20'>Last</font></td>";
	sHTML=sHTML+"<td  bgcolor='#D59F0F' align='center'><font face='Arial, Helvetica' size='2' color='#231F20'>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;U.S. Housing Starts, United States, Seasonally Adjusted Annual Rate as of 31-Jan-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>Housing Starts-Ann. 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/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 10000 as of 31-Jan-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>699000</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'>10000</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;House Price Index Appreciation-Nationwide as of 30-Sep-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>Housing Price Idx-Growth</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 0.06% as of 30-Sep-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#FF0000'>-4.28%</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'>-0.06%</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 17-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>30-Yr Mortgage-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/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-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#000000'>3.87%</font></a></td>";
	sHTML=sHTML+"   <td nowrap style='padding-top: 2; padding-bottom: 2; text-align:right;' ><font  size='2' face='Arial, Helvetica' color='#000000'>0.00%</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 17-Feb-2012 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/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 0.06% as of 17-Feb-2012 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>2.84%</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'>0.06%</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;US Mortgage Payments Past Due - 30-59 Days as of 31-Dec-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>Mortgage Delinquencies-30d</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 0.81% as of 31-Dec-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>11.64%</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'>0.81%</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;All US Mortgage Payments Past Due as of 31-Dec-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font face='Arial, Helvetica'  size='2'>All Mortgage Delinquencies</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 0.05% as of 31-Dec-2011 Close&quot;; return true' onmouseout='window.status=&quot;&quot;; return true'><font  size='2' face='Arial, Helvetica' color='#008000'>8.25%</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'>0.05%</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 style='height:1px; margin: -2;' border='0' cellpadding='0' cellspacing='0' width='100%'>";
	sHTML=sHTML+"<tr >";
	sHTML=sHTML+"<td valign='top' colspan='1'> <hr color='#231F20' 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'><font style='font-size: 7pt; font-family: Verdana, Arial, Helvetica;color: #666666;'>&#169; theFinancials.com</font></div></td></tr></table></center>";
	sHTML=sHTML+"</center></div>";
	return sHTML;
}