




if (typeof(disqus_iframe_css) == 'undefined') {
	disqus_iframe_css = '';
}
if (typeof(disqus_def_name) == 'undefined') {
	disqus_def_name = '';
}
if (typeof(disqus_def_email) == 'undefined') {
	disqus_def_email = '';
}
if (typeof(disqus_skip_auth) == 'undefined') {
	disqus_skip_auth = false;
}
if (typeof(disqus_default_text) == 'undefined') {
	disqus_default_text = 'Type your comment here.';
}

(function(){
	
	var ie = document.uniqueID
		&& document.compatMode
		&& !window.XMLHttpRequest
		&& document.execCommand ;

	try {
		if(!!ie) {
			document.execCommand("BackgroundImageCache", false, true);
		}
	} catch(e) {};
})();

var Dsq = new function() {
	this.container = document.getElementById('dsq-content');
	this.jsonData = {"reactions": [], "has_more_reactions": false, "users": {"8fe15368ebe4b7971becf6d12a755ba4": {"username": "Phil", "tumblr": "", "display_name": "Phil", "url": "http://disqus.com/guest/8fe15368ebe4b7971becf6d12a755ba4/", "registered": false, "linkedin": "", "blog": "http://www.QuarterlifeFinance.com/", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "08c0c05caa61358c9d6fc661a164c8b4": {"username": "Bill", "tumblr": "", "display_name": "Bill", "url": "http://disqus.com/guest/08c0c05caa61358c9d6fc661a164c8b4/", "registered": false, "linkedin": "", "blog": "", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "b94d7c8814f7d05097a31e676ed037be": {"username": "Jay", "tumblr": "", "display_name": "Jay", "url": "http://disqus.com/guest/b94d7c8814f7d05097a31e676ed037be/", "registered": false, "linkedin": "", "blog": "", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "ee5580ca17cdd4c615f89b1a6e706247": {"username": "frank", "tumblr": "", "display_name": "frank", "url": "http://disqus.com/guest/ee5580ca17cdd4c615f89b1a6e706247/", "registered": false, "linkedin": "", "blog": "http://franksatheisticramblings.blogspot.com/", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "12e9df9fa66ec0b48aa4571a9781302d": {"username": "Andy", "tumblr": "", "display_name": "Andy", "url": "http://disqus.com/guest/12e9df9fa66ec0b48aa4571a9781302d/", "registered": false, "linkedin": "", "blog": "", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "flexocc": {"username": "flexocc", "tumblr": "", "display_name": "Flexo", "url": "http://disqus.com/flexocc/", "registered": true, "linkedin": "", "blog": "http://consumerismcommentary.com/", "remote_domain": null, "points": 6, "facebook": "http://www.facebook.com/flexo", "avatar": "http://media.disqus.com/uploads/users/107/9411/avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "http://twitter.com/flexo", "remote_domain_name": ""}, "df9e20c793f786b3070a4aef7d82de10": {"username": "Wyman", "tumblr": "", "display_name": "Wyman", "url": "http://disqus.com/guest/df9e20c793f786b3070a4aef7d82de10/", "registered": false, "linkedin": "", "blog": "", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "ed7033376ee7be4b9b2a6e5889740cde": {"username": "Chris", "tumblr": "", "display_name": "Chris", "url": "http://disqus.com/guest/ed7033376ee7be4b9b2a6e5889740cde/", "registered": false, "linkedin": "", "blog": "http://beyondtheconsumer.blogspot.com/", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "333f927accc715fe4b2aa6549927393a": {"username": "Lazy Man and Money", "tumblr": "", "display_name": "Lazy Man and Money", "url": "http://disqus.com/guest/333f927accc715fe4b2aa6549927393a/", "registered": false, "linkedin": "", "blog": "http://www.lazymanandmoney.com/", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/anonusers/29/9386/avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "8a32172c021156d40009bc9166a0a414": {"username": "Craig", "tumblr": "", "display_name": "Craig", "url": "http://disqus.com/guest/8a32172c021156d40009bc9166a0a414/", "registered": false, "linkedin": "", "blog": "", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "1fe665ab919a9b6480cbb84ce5792077": {"username": "Trent Hamm", "tumblr": "", "display_name": "Trent Hamm", "url": "http://disqus.com/guest/1fe665ab919a9b6480cbb84ce5792077/", "registered": false, "linkedin": "", "blog": "http://www.thesimpledollar.com/", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "2de86714295417374ae3e0ce901809ec": {"username": "Fred", "tumblr": "", "display_name": "Fred", "url": "http://disqus.com/guest/2de86714295417374ae3e0ce901809ec/", "registered": false, "linkedin": "", "blog": "", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "83a1c24116057fa9f106f59995669b9c": {"username": "clay", "tumblr": "", "display_name": "clay", "url": "http://disqus.com/guest/83a1c24116057fa9f106f59995669b9c/", "registered": false, "linkedin": "", "blog": "", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "d80f144501bc37df0e35d078d404985f": {"username": "Len", "tumblr": "", "display_name": "Len", "url": "http://disqus.com/guest/d80f144501bc37df0e35d078d404985f/", "registered": false, "linkedin": "", "blog": "", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "380f30503b57c136d82cc339eccaedd3": {"username": "Patrick", "tumblr": "", "display_name": "Patrick", "url": "http://disqus.com/guest/380f30503b57c136d82cc339eccaedd3/", "registered": false, "linkedin": "", "blog": "http://www.cashmoneylife.com/", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/anonusers/3/9438/avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "bec871e7b5cd897caaab9953edecc719": {"username": "Deloris", "tumblr": "", "display_name": "Deloris", "url": "http://disqus.com/guest/bec871e7b5cd897caaab9953edecc719/", "registered": false, "linkedin": "", "blog": "", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}}, "forum": {"use_media": true, "name": "Consumerism Commentary", "streaming_realtime": false, "url": "consumerismcommentary", "allow_anon_post": true, "reactions_enabled": false, "reply_position": 1, "show_avatar": true, "allow_anon_votes": true, "disqus_auth_disabled": false}, "realtime_enabled": false, "request": {"username": "", "is_global_moderator": false, "sharing": {}, "sort": 4, "forum": "consumerismcommentary", "is_initial_load": true, "is_authenticated": false, "timestamp": "2009-11-28_21:50:21", "remote_domain": "", "page": 1, "is_moderator": false, "display_username": "", "points": null, "subscribe_on_post": 2, "moderator_can_edit": false, "is_remote": false, "is_verified": false, "missing_perm": "locked"}, "realtime_paused": false, "posts": {"21308215": {"up_voted": false, "ip": "", "has_replies": false, "message": "And I thought ARMs and interest only mortgages were bad...  I wonder if this will hit the radio advertisement circuit soon.  Anything that gives such easy access to credit will likely be overused.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-02_11:17:15", "killed": false, "user_key": "8a32172c021156d40009bc9166a0a414", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/02/2007 11:17 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308216": {"up_voted": false, "ip": "", "has_replies": false, "message": "I think these are pretty common in the UK", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-02_12:26:42", "killed": false, "user_key": "ee5580ca17cdd4c615f89b1a6e706247", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/02/2007 12:26 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308217": {"up_voted": false, "ip": "", "has_replies": false, "message": "I looked at this program too (my own opinion is in my blog). Near as I could tell based on the numbers they were giving, you'd save a heck of a lot more by just paying extra into a conventional loan rather than taking out a HELOC and doing all their tricks.<br><br>Didn't like the fact that they did not once mention the risk involved in such a huge variable rate revolving loan.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-02_14:15:48", "killed": false, "user_key": "ed7033376ee7be4b9b2a6e5889740cde", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/02/2007 02:15 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308218": {"up_voted": false, "ip": "", "has_replies": false, "message": "These are also known as money merge accounts.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-02_15:17:50", "killed": false, "user_key": "1fe665ab919a9b6480cbb84ce5792077", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/02/2007 03:17 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308219": {"up_voted": false, "ip": "", "has_replies": false, "message": "My feeling with this is the flexibility costs you too much (as Flexo mentioned).  What happens if you need to replace a air conditioning unit or something like that.  Suddenly you are taking out $2000 at 8+% interest.  You would have better off investing the surplus and then using it to pay off the air conditioning unit as necessary.<br><br>Now if they'll let you take your money back out for free, then you've got my attention.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-02_15:48:26", "killed": false, "user_key": "333f927accc715fe4b2aa6549927393a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/02/2007 03:48 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308220": {"up_voted": false, "ip": "", "has_replies": false, "message": "I agree with Frank. I've had a friend in the UK who had one of these. He said they are fairly common.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-02_16:41:07", "killed": false, "user_key": "380f30503b57c136d82cc339eccaedd3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/02/2007 04:41 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308221": {"up_voted": false, "ip": "", "has_replies": false, "message": "I think that this is a very interesting concept - but fails on a two major points.  <br><br>1. A HELOC is typically going to have a significantly higher interest rate than a traditional first mortgage, even if the HELOC is placed in first lien position.  So this plan will cost more in interest than simply maintaining a traditional first mortgage.<br><br>2. Paying down your mortgage with every cent of surplus cash is a bad idea!  Liquidity is massively important.  Emergency savings first, then max out retirement accounts, then and only then should you consider mortgage prepayments.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-03_11:20:12", "killed": false, "user_key": "8fe15368ebe4b7971becf6d12a755ba4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/03/2007 11:20 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308222": {"up_voted": false, "ip": "", "has_replies": false, "message": "Over the past few months I've heard more and more about these \"money merge accounts\" or MMA, especially the one offered by United First Financial (UFirst) for $3500.  I finally was able to go to one of their \"presentations\" and hear it straight from the horse's mouth.  <br><br>Basically, they tell you how you can pay off your mortgage in 7 or 8 years and save $100,000 or more in interest by buying their program.  What they gloss over really fast is that it all depends on applying ever last penny to the principal.  <br><br>They also use deceptive tactics to make it look like you're paying off you mortgage faster than you actually are (i.e. they emphasize the mortgage balance decreasing by $10,000 after one year, but don't mention that you've got a $9,000 balance on the HELOC).  <br><br>This UFirst is basically just another multi-level marketing scheme and with all the sleazy sales people just now getting onboard, we're going to be hearing a lot more about this in the months and years ahead.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-09_13:15:08", "killed": false, "user_key": "08c0c05caa61358c9d6fc661a164c8b4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/09/2007 01:15 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308223": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hello everyone....<br><br>It's a shame that many don't do their due diligence when it comes to a new product introduced on the market.  There are a number of mortgage acceleration programs available on the market these days and most people, including what I've read in this blog, sadly lump them into the same category.  <br><br>When I first learned about the concept,  I was introduced to the Money Merge Account from United First Financial,  I looked into all of the programs available on the market to see which preformed the best for our situation. <br>When I completed my research, we purchased the Money Merge Account.<br><br>We're investors and we weren't looking to pay off our mortgage, we were looking to build equity faster and re-leverage our money to buy more properties.  This program is helping us to do this...and our HELOC balance doesn't keep rising as many like to believe and it doesn't take every penny of our surplus funds to pay down the principal balance either.  <br><br>Yes....we are scheduled to pay off our 415K mortgage in 6 years and 7 months, and will save over 479k in mortgage interest.  I would challenge anyone to run the numbers with any other product on the market..I have...and couldn't achieve the same results. <br><br>Oh.....as for air conditioners...we just replaced our A/C system in one of our rental properties...at a cost of $7500. We paid for it with our Amex business card (air miles), then wrote a check from our HELOC and paid the Amex.  The A/C will paid for in a couple months, any interest we paid is tax deductible and the time to pay off our home only increased by 2 months. <br><br>It never ceases to amaze me how judgemental people be....Who cares how a company takes their product to market?  If it is a quality product that works, then buy it...if not...don't. <br><br>I am not sure what industry Bill is in, but I am sure that whomever he works for makes a percentage from the work that he produces.....And most likely his bosses boss will get some type of compensation for the work his team produces.   <br><br>Here's a clip from Channel 3 new in Las Vegas that actually did their due diligence. <br><br><a href=\"http://www.youtube.com/watch?v=P5ibPz5mIzE\" rel=\"nofollow\">http://www.youtube.com/watch?v=P5ibPz5mIzE</a> <br><br>Best of luck to you all.....", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-10_00:10:51", "killed": false, "user_key": "b94d7c8814f7d05097a31e676ed037be", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/10/2007 12:10 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308224": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jay: Your comment was one of several comments defending this product.  The others were caught by the spam software, but yours doesn't sound like spam so I let it through.  You do realize of course that you could have had a traditional mortgage and accelerated the payments yourself?  Do you also realize that with ALL of your expenses being paid by the HELOC, everything you do will be charged interest?  Yes, it's tax deductible, but you still pay interest, as the tax deduction effectively reduces your interest rate, it doesn't eliminate it.  Do you also realize that you now have a variable interest rate, which means that at any time the bank can raise your interest rate, extending the length of your mortgage?  <br><br>The product has worked for you so far.  Check back with us seven years from now.  You would have been better off with a traditional fixed-rate mortgage with your own accelerated payments.<br><br>Media reports from local television stations are often provided by the companies offering the products for filler when there isn't other news... typical in the pharmaceutical industry, fairly new in the financial industry.  In fact, considering a recent string of spam that sounded much like your comment, linking to YouTube (?) and some other \"sources,\" I wouldn't be surprised if some company is trying to use this blog as some part of their marketing campaign, posting with fake names.  Obviously, I can't allow that. :-)", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-10_10:18:42", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "08/10/2007 10:18 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": true, "is_realtime": false}, "21308225": {"up_voted": false, "ip": "", "has_replies": false, "message": "Flexo:<br><br>I just wanted to respond to your comments. I am a user of this type of product and I know that I can accelerate my mortgage payoff on my own. After I actually took an up close look at the product and did my research I found that this product does a lot more than I would ever do on my own. Could I so something similar on my own, probably, did I or would I, no. <br><br>Your comment of \"Do you also realize that with ALL of your expenses being paid by the HELOC, everything you do will be charged interest?\" This is innacurate. With the product that I use it determines the lowest possible balance on your Heloc while determining the balance for greatest interest reduction on your primary mortgage. Your income deposited against the balance on your Heloc eliminates almost all of the interesst that would regularly be charged on the Heloc.<br><br>Also, your comment of: \"Do you also realize that you now have a variable interest rate, which means that at any time the bank can raise your interest rate, extending the length of your mortgage?\"  This is also inaccurate. The program that I use does not require you to refinance your existing mortgage. If you already have a low 5% first mortgage you can keep it. The program I use only works with a Heloc secondary to the existing primary mortgage. Because of this fact, if your interest rate rises on your Heloc from say 8% to 18% it only effects your payoff by about 2 - 3 months. This means that you could go from a 10 year payoff to about a 10.3 year payoff instead of 30 years.<br><br>You can erase these comments if you want, but I am a real user of this program. This is not an advertisement, I didn't even mention the name of the product I am using. The information I have listed is fact based on using the product. Please leave this information up if you are intersted in a comment from someone who actually uses the product.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-10_12:15:28", "killed": false, "user_key": "bec871e7b5cd897caaab9953edecc719", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/10/2007 12:15 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308226": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am grateful that I can learn what others are saying about this mortgage reduction program, as it helps me increase my own understanding.  This is not the place for me to correct the many errors that are contained in most of the comments so far.  My only comment is that it is amazing how far down the wrong road people will go with just a surface skimming of a topic, and not do their homework or fair analysis of something that has been in existence (and working) for several years in other countries, is based on a simple princple- math - and is perfected and made more user friendly by good ol' American ingenuity.  It is disappointing to see so much negativity and \"closed mindedness\" in discussing a \"no brainer\" principle and topic.  I don't like criticizing other's comments, and many of the questions and objections brought up are valid and can be answered, so I would hope that more people would take the time to always look for the real answer and benefit from what enlightenment they gain.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-10_13:53:03", "killed": false, "user_key": "df9e20c793f786b3070a4aef7d82de10", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/10/2007 01:53 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308227": {"up_voted": false, "ip": "", "has_replies": false, "message": "Deloris: The product I am referring to is the product described in the CNN article -- a replacement for a first mortgage... as in an option for the first phase of buying a house.  Your product as you say is \"secondary to the existing primary mortgage.\"  Right off the bat, you're talking about something different than what I am talking about.  <br><br>Perhaps they are both called \"mortgage accelerators\" but it's clear from the CNN article and your descriptions that these are *not* the same products.<br><br>I also encourage potential customers or mortgage accelerators to do their due diligence -- for some reason, these seems to be a lot of debate on this topic and a lot of misunderstanding across the board, in addition to strong marketing tactics.  Even though it's simple math and psychology.<br><br>Banks that offer this program aren't doing it out of the goodness of their hearts for the customers' benefit.  If they weren't making money -- MORE money than they would be with a traditional first mortgage -- then these products would NOT be marketed (with \"news stories\" on local television news stations and spam attacks on blogs) NOR would they even be offered.  The customers targeted in these advertisements are the same people who are now finding it difficult to get \"traditional\" mortgages due to the sub-prime meltdown.<br><br>What if you want to put some of your paycheck into savings or investments assuming you have income to do so?  Now you would have to *borrow* from your HELOC to do so.  In many cases, long-term investing pays off better than accelerated mortgage payments, but with your entire paycheck going to your mortgage, this option becomes prohibitively expensive.  As the benefits from paying off a mortgage early are guaranteed, I can't fault anyone for wanting to take that path instead of investing... but using a line of credit for all expenses may help to pay off a mortgage early, but at the expense of the rest of your finances, *particularly* if for any one period your expenses outweigh your income.<br><br>As Wyman implied, do your own research... but try to ignore the pitches from marketers and the salesmen.  In the worst case scenario, your mortgage is paid off earlier but you're still tens of thousands of dollars -- or more -- in debt with the line of credit, and no savings or investments to show for it.  In the best case scenario, it works, but you probably could have saved money by accelerating the payments on a fixed mortgage yourself.<br><br>By the way, I've done the research and the United First Financial Money Merge Account (mentioned above and in numerous spam messages already deleted) is a *Multi-level Marketing Scheme* (MLM) and is marketed through what is called \"The Jubilee Project.\"  Though they claim to be independent, they have a stake in pushing this particular product.  Stay far away from these people.  Multi-level Marketing Schemes are dangerous and it is *impossible* to get unbiased information from those involved because everyone believes they have a stake in \"converting\" others.  Several \"Jubilee Consultants\" have tried to post *spam* on Consumerism Commentary.  I encourage anyone who is interested in these products to *stay away* from this group, and if you must use a HELOC combination to pay off your home, find a program where you can get unbiased opinions from existing customers.  <br><br>Reading the Jubilee Project's blog, which you can find on your own, this sounds more like a *religion* in which the object is to *convert non-believers,* not sales of a financial product.  *BIG WARNING* This type of marketing connects with a big portion of consumers in this country, and I'm sure I'll get nasty notes in response, but find another option than being involved in a movement where families rather than employees are courted to sell the product.  It's a horrible, manipulative marketing technique, but it has worked well for Tupperware, Mary Kay, Amway, Quixtar, etc.<br><br>Here is how the United First Financial \"Money Merge Account\" is sold via a Multi-Level Marketing Scheme, from an example website for an agent provided by The Jubilee Project:<br><br><blockquote>Commissions start at $900 per sale as an 'Associate' and increase to $1575 per sale as a 'Branch Manager.' For each five sales you make, your profit increases until you reach Branch Manager. You can accomplish this completely solo, or hire and train a team of new Agents to work with you to increase the volume of sales. The choice is completely up to you. This Program has proven to be the perfect opportunity for Mortgage Brokers and Loan Officers, Insurance Salesmen, Real Estate Professionals\u00c3\u00a2\u00e2\u201a\u00ac\u00c2\u00a6and especially previous clients on the program themselves.</blockquote><br><br>When customers begin to have a financial stake in converting others and in having others sell for them, you're treading on shaky ground and no one involved in the program can be trusted for unbiased opinions.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-11_00:32:50", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "08/11/2007 12:32 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": true, "is_realtime": false}, "21308228": {"up_voted": false, "ip": "", "has_replies": false, "message": "Flexo,<br><br>I agree with your recommendation of people doing their due diligence. I have done mine. Because of my research, I have an answer to your statement of: \"What if you want to put some of your paycheck into savings or investments assuming you have income to do so? Now you would have to borrow from your HELOC to do so.\"<br><br>As you have made some very strong statements against the company name of United First, I assume you are talking about their product in this statement. If you are, you need to know that many of the homeowners using their product actually use their product to pay down their mortgage, in addition to investing. If someone wants to invest, they simply do not deposit their investment money into their mortgage acceleration program, thus they do not have to borrow any money back to invest. This product is not intended as an alternative to investing. It is designed to work in conjunction. I personally know a lot of the homeowners using this product and they are very financially savvy. I personally know one of the heads at a major national bank that is using the product and he has used it to pay down his principal and also has a large investment portfolio.<br><br>I have found that the reason this subject is so scrutinized by \"some\" is because they make their commissions advising people to invest in multiple investments, and they feel that this type of product threatens their income. Nothing could be further from the truth. For those who can see it, this type of product opens doors for multiple advantageous financial products. It also makes borrowers better borrowers. It helps people to lower their debt instead of continually increasing it. That is one reason the banks like it, not because \"Banks that offer this program aren\u00c3\u00a2\u00e2\u201a\u00ac\u00e2\u201e\u00a2t doing it out of the goodness of their hearts\" as you previously stated.<br><br>As Deloris said, this information is fact. If you choose to erase it, that is your option. I do not mean to be confrontational, but as Wyman stated \u00c3\u00a2\u00e2\u201a\u00ac\u00c5\u201cIt is disappointing to see so much negativity and \u00c3\u00a2\u00e2\u201a\u00ac\u00c5\u201cclosed mindedness\u00c3\u00a2\u00e2\u201a\u00ac\u00c2? in discussing a \u00c3\u00a2\u00e2\u201a\u00ac\u00c5\u201cno brainer\u00c3\u00a2\u00e2\u201a\u00ac\u00c2? principle and topic. I don\u00c3\u00a2\u00e2\u201a\u00ac\u00e2\u201e\u00a2t like criticizing other\u00c3\u00a2\u00e2\u201a\u00ac\u00e2\u201e\u00a2s comments, and many of the questions and objections brought up are valid and can be answered, so I would hope that more people would take the time to always look for the real answer and benefit from what enlightenment they gain.\u00c3\u00a2\u00e2\u201a\u00ac\u00c2?", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-11_12:32:26", "killed": false, "user_key": "83a1c24116057fa9f106f59995669b9c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/11/2007 12:32 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308229": {"up_voted": false, "ip": "", "has_replies": false, "message": "Clay: You say, \"If someone wants to invest, they simply do not deposit their investment money into their mortgage acceleration program, thus they do not have to borrow any money back to invest.\" Whereas this particular program instructs people to deposit their entire paycheck into the program, there will be no funds available for investing, as most people use a portion of their paycheck to invest.  I agree that money should be set aside for investing but the philosophy of this and some other HELOC-mortgage programs is that all money not expensed goes towards the HELOC-mortgage.  This leads us to this question -- if you're NOT depositing your entire paycheck into the HELOC-mortgage, you are at least partly managing your own money -- why bother paying several thousand dollars to enroll in the \"program?\"  <br><br>I'm not sure where some of the program's supporters are claiming that those who criticize the program are making commissions.  I don't make any commissions selling any products.  It's the Jubilee Project members who have a financial stake in \"converting\" others.  I just try to help people make informed decisions.  <br><br>I agree that programs like this \"make borrowers better borrowers\" for the reason that they simply tie all their money up with the banks and the holders of the HELOC-mortgage accounts.  If you're already a \"better borrower,\" you don't need someone holding your hand to make your own accelerated mortgage payments.  You don't need to tie up your *entire paycheck* and force yourself to borrow from \"yourself\" (although the interest payments don't go to yourself).  Some people will benefit from hand-holding and forced paycheck depositing... but that comes at an expense when compared to self discipline, high-yield savings, healthy long-term investments, and a steady accelerated paydown of a *fixed-rate* mortgage.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-11_21:03:25", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "08/11/2007 09:03 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": true, "is_realtime": false}, "21308230": {"up_voted": false, "ip": "", "has_replies": false, "message": "Flexo,<br><br>You state that the program \"instructs people to deposit their entire paycheck\".<br><br>Those who do not wish to put their money in \"investments\" can choose to deposit their entire income against their mortgage, but those who wish to invest are able to run scenarios in their software which shows them what their end payoff result would be on their mortgage depending on how much they would like to leave out of the program for investments.<br><br>To say that this program advises people not to invest simply goes against the true value of the product. If you take a closer look at the product, you will find that it is specifically geared to enable people to see what their results would be if they only want to payoff their mortgage or if they also want to leave money out for investments.<br><br>Also, investment advisors all over the country are now using this program to show their clients different options. Many of the investment advisors state that they love the program because it give their clients who would like to invest and payoff their home at the same time more options to do so.<br><br>I appreciate your comments. Thanks for your time.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-12_01:33:24", "killed": false, "user_key": "83a1c24116057fa9f106f59995669b9c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/12/2007 01:33 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308231": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have been in the loan business for a long time. I heard about this concept and was skeptical like most people. After extensive research, I realized that this concept is real. I made it my mission to help homeowners by educating them about how it works. I needed to become a rep for one of these companies, in order to offer a product for homeowners. I selected a company that I thought had by far the best software at a much more reasonable price. It is not the company mentioned in this blog. I do earn something from it, but I feel great knowing that I'm helping others in the process. Let me see if I can turn you around by going back to basics...<br><br>This concept is simple. First, I think it is well known that if you put any additional money toward your principal now, you will save a significant amount of interest due to the \"Time Value of Money\"...30 years of savings is a long time.<br><br>Next, you have your checking account. Obviously, this is used to deposit your income and pay your expenses. The interest the bank pays on this is small or none.<br><br>If you could put these 2 together, it would be great. Then, when you deposit your income, it would immediately be applied toward your mortgage, and you would begin to save time and interest, just like you made an extra payment. Later in the month, you pay your bills and your loan amount goes back up, but not as high as before (because you need to earn more than you spend for this program to work). The net effect is that you save a lot by applying your income directly to your mortgage right now (like making extra payments), and also by \"floating\" your expenses for say a few weeks before they're due. Using money management and simple math, your money is working harder for you. It's stagering how much interest you will save over time.<br><br>In the U.S., the only way to put these together is to use a HELOC as the tool. You simply use the HELOC like you now use your \"checking\" account. The HELOC is your emergency fund in case you have any unexpected expenses. In using a HELOC, you will pay some interest on the outstanding balance, but you save so much more in interest on your 1st mortgage. It's like using other people's money.<br><br>My reply to other comments in these posts...<br>1) Investment: This BECOMES your investment. If you can get a better guaranteed return with something else, this program isn't for you.<br><br>2) United First: It's expensive and it does feel like an MLM. This drives up the price. There is a cost to become a rep and many of them are untrained. That's why I didn't choose them.<br><br>3) The interest rate is higher on a HELOC but it is calculated differently than a 1st mortgage. Therefore, the actual cost of interest on a HELOC is much less than the actual dollars saved in putting it toward the 1st.<br><br>4) Some companies sell this by replacing your entire 1st with a HELOC. This is extremely risky and you pay the costs for the refi.<br><br>5) It was stated that the banks don't offer this program \"out of the goodness of their hearts\". You're right, banks manage money in a smart way. But they're not the ones offering this product. It's offered by a handful of companies selling this program, like the one I chose to represent. The program teaches you to think smart like a bank...banks pay a low return to its depositors and then lend it out at higher rates. Homeowners pay some interest on their HELOC to save much more on their 1st mortgage, just like a bank!", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-23_17:08:17", "killed": false, "user_key": "2de86714295417374ae3e0ce901809ec", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/23/2007 05:08 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308232": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have a degree in finance and everyone is leaving out several key components here leading me to believe that either there is a lack of finance knowledge or just no desire to make a paradigm shift in their thinking.  <br><br>The first is that mortgages use an amortization schedule with a fixed daily interest charge to calculate your interest and principal amounts to be allocated to your mortgage.  Thus daily compound interest.  Interest assessments do not stop unless you pay a full mortgage payment and then pay an additional payment to reduce the mortgage balance.  <br><br>Secondly, the HELOC, if set up right, calculates interest on the average daily balance using a simple interest method meaning you are not paying interest on your interest charges.  <br><br>So let's use an example . . . <br><br>I have seen several people say \"invest first and accelerate your mortgage second\".  Using that premise.  Let's say I invest $10,000 in a stable sound investment earning 7.2% which is way high in today's market for a no-risk investment.  In 10 years, I will have $20,000 due to the rule of 72 which says that if you get 72 and divide it by an interest rate 7.2 for 7.2% your money will essentially double (the answer 72/7.2=10 or 10 years). <br><br>If I take the same $10,000 and pay it on my mortgage and use an accelerator program paying off my mortgage in 8 to 13 years, I will save over $20,000 in interest including the interest I pay on my HELOC.  The system is essentially a coach showing you daily, weekly or monthly, how spending your money will effect how you can pay off your mortgage.  <br><br>Which would you rather have $20,000 in 10 years or additional equity you can use much much earlier to compound your investment opportunitiesa and generate $30,000 to $100,000 in the same 10 years?<br><br>If this is such a \"bad systematic attempt by mortgage companies to get your money\" . . . why does the company not do mortgages?  Secondly, why do we use credit cards and pay off the balance each month to avoid paying interest.  IT'S A MATTER OF MATHEMATICS!!!<br><br>DO THE MATH.  UNDERSTAND IT ALL FROM A MATHEMATICAL STANDPOINT OR DROP THE SUBJECT AS IT IS OBVIOUS THERE IS A LACK OF UNDERSTANDING AND KNOWLEDGE ON THE SUBJECT.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-28_11:32:31", "killed": false, "user_key": "d80f144501bc37df0e35d078d404985f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/28/2007 11:32 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308233": {"up_voted": false, "ip": "", "has_replies": false, "message": "Len: You're making two big assumptions.  First, that the option of investing or paying off the mortgage is available as a lump sum of $10,000 at the outset.  That's not usually the case -- money in invested (or paid to the mortgage) over time, lowering your investment IRR.  This may support your argument.<br><br>On the other hand, you say: \"Which would you rather have $20,000 in 10 years or additional equity you can use much much earlier to compound your investment opportunitiesa and generate $30,000 to $100,000 in the same 10 years?\"<br><br>The only way to \"use\" that equity is as a loan on the value of the property or to sell and realize the cash.  If you sell, you no longer have a place to live, but if you take a loan, you just have more interest to pay.  Paying 6% interest to earn 7.2% in equities doesn't even beat inflation.<br><br>It has become clear that different companies offer different products with different features and fees.  <br><br>The bottom line is that the customer should be *skeptical* and *perform due diligince* before signing up for any kind of \"program,\" *especially ones designed in a pyramid-shaped scheme* in which users are expected to become ambassadors and salesmen, and are *compensated for conversion of others.*", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-28_11:56:46", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "08/28/2007 11:56 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": true, "is_realtime": false}, "21308234": {"up_voted": false, "ip": "", "has_replies": false, "message": "My money merge account.  A Mortgage, a savings account and a rewards credit card.  That is all you need, if you have the desire to pay off your mortgage early.  <br><br>Just pay all of your bills with the credit card.  Keep all of your income in the savings account or high interest checking account.  Than at the end of the month when your credit card bill comes due, pay it off and apply the rest to your mortgage principle. <br><br>You don't need fancy software to tell you when to apply this and when to do that.  I've ran the numbers based on a $100,000 mortgage and $5,000 in income and the difference is minimal at best. With a slight edge to using the card and savings account. Both assumed no credit card debt and $2200 - $3000 in monthly bills.   <br><br>I've ran it without the use of a high interest savings account and a rewards card and used the optimal effect on the merge account and the best possible scenerio gives the money merge account a $1200 or so edge.  Again that is at absolutely optimum results. <br><br>If you have to pay a fee or money up front, it will cost you money to use the system.  That money when added to the original mortgage tilts heavily in favor of using a card and a savings account.<br><br>There are better ways to invest than paying off your money early, especially if you have a low fixed rate, but the satisfaction of being truely debt free has it's advantages.<br><br>IMO, I would not use a money merge account.  I don't need a tool to force me to pay extra on my mortgage.  If you have the discipline and you choose to do so, you can accelerate your mortgage just as easily as this program and it costs you nothing.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-29_00:49:03", "killed": false, "user_key": "12e9df9fa66ec0b48aa4571a9781302d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/29/2007 12:49 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308235": {"up_voted": false, "ip": "", "has_replies": false, "message": "Flexo, I understand your skeptism (I was too). You seem to be saying that this system isn't good. The question I have for you is, Do you agree that this system works? Mathematics say it does and they don't lie. Once we all agree that it works, then we should talk about the exceptions, alternatives and why this program isn't for everybody. Any homeowner should at least look at the benefits this program can bring, in addition to exploring other options. I represent a company that is not an MLM and they sell a better program for under $2000. I'm spreading the word to help people first...if I receive earnings from it as well I'll sleep just fine at night. You started this post, but I can tell by your comments that you don't have the same understanding about the system that I have. The system does work. If one has other options to get a better ROI, fine. But for so many who don't have money to invest, this is a great way to create a return. I'd like to see how you respond to a basic scenario where someone doesn't have savings to invest and comes across this product. How would you advise them?<br><br>Andy, not everyone has a savings and certainly most do not have the discipline required. People can lose weight on their own but so many invest money to keep them motivated. The software tracks optimum results and gives homeowners motivation to stay disciplined. You're right, you need a tool to accomplish accelerating your mortgage, but for those without savings, the Heloc works best. Even if you do have savings why not use a Heloc and put your savings toward reducing your mortgage even faster? You've put so much effort into your method, why not go the last mile and save the maximum amount possible? You see, you're missing one important component with your method. If you want to reduce your mortgage as quickly as possible, you want to get all of your income applied to it as quickly and abundantly as you can. It's the basic Time Value of Money concept. You're talking about adding smaller amounts to your principal later (whatever is left over and the end of the month). Doing that, you missed an opportunity to receive the greatest impact on reducing principal by applying all of your income to it now! What you're doing is very good, but I assure you that in using the software and following the program, your results will be even better and the software will more than cost justify itself. If you set up a Heloc and immediately pull $5000 from it to reduce your 1st, the impact of that over 30 years is huge, vs. adding a smaller amount that's left over. Why not take advantage of using OPM? Sure it will cost you some in Heloc interest, but far less that the savings impact on your 1st. There is still an ROI.<br><br>FYI...the phrase Money Merge Account, was coined by that MLM company that many think is way too expensive.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-29_17:33:56", "killed": false, "user_key": "2de86714295417374ae3e0ce901809ec", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/29/2007 05:33 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308236": {"up_voted": false, "ip": "", "has_replies": false, "message": "Fred: I see from your email and URL that you have a financial interest in generating leads for your particular product.  So putting that aside, some of these products are good, some are not as good.  Even the good products should not be used by individuals who would abuse the easy credit.  It's a slippery slope.  The opportunities for saving money are good, but there are no blanket statements that can be made.   This is why I wrote my original comments about one particular product that is a bad implementation of what could be a good concept.  I'm all for taking advantage of OPM -- as long as the OP aren't taking advantage of me and my M at the same time.  <br><br>No cash-equivalent emergency fund?  Spending more than you're earning?  If you answer yes to either, these products are <i>not</i> for you.  They are not for the basic financial support needed in life, but if you have the extra cash and you want to pay down your mortgage faster, then <i>evaluate your options from *unbiased* sources</i> -- those with knowledge but no financial interest in your decision -- and find something that works for you whether it's a financial planner providing you with the calculations, doing the math yourself, or buying an expensive piece of software.  And as always, *steer clear of <i>any</i> pyramid schemes* or customers-turned-evangelical-salesmen.<br><br>If you *don't* have the discipline to save on your own, and you need the hand-holding that the software offers, then you never solve the *real* problem with anything but a temporary band-aid... and chances are you won't succeed with the software without some sort of discipline, anyway.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-29_20:14:53", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "08/29/2007 08:14 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": true, "is_realtime": false}, "21308237": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hi Flexo. I've been clear from the onset that I do represent a company. I do have a financial interest in generating leads, but as you can see, I've not once tried to solicit. I view myself as an advocate, educator or as you mentioned, a financial planner (they do get paid for dispensing advice too). Prior to selling my product, I did my due diligence and became a believer, without receiving any compensation. It was then when I decided to spread the word. I agree with you about UFF. I don't like their structure. If they were the only game in town I would have considered working with them just to get the word out. But I know much better after doing extensive research. My writings here have been and will continue to be limited to being informative, not selling my product. Knowing what I know, I'd be saying the same thing if I had nothing to sell.<br><br>You originally wrote about it being a bad idea to put your entire loan into a Heloc. I totally agree. It's too risky.<br><br>In addressing a few of your comments on your last post in order...A blanket statement that can be made is that this system mathematically works. No one takes advantage of you. It's you who takes advantage of OPM. The Heloc becomes your emergency fund. If you spend more than you earn the program mathematically does not work. There is no quick fix for that situation. You do not need extra cash to implement this program. That's the beauty of it. Last and most important, most people don't have the discipline. What the software does is so much more than tracking. It becomes a motivator. When you begin to see how much money and time you will save on this program, you will begin to scrutinize the way you spend money each month. It is the dangling carrot that drives you to cut your costs so that money can be used toward reducing your mortgage. It actually creates an environment of discipline for homeowners. I guarantee that those using this program know so much more about their financial position and the impact of their expenditures than ever before. What better way to educate people than to give them hundreds of thousands of reasons to learn?<br><br>It took me some time to get past my skeptisism. I feel that you're almost there. Who knows, maybe you'll end up helping me spread the word? To make this work, one should get a Heloc (as a 2nd only) to use as a tool. You use it just as you now use your checking account, so it doesn't get out of control. The software keeps you on track and forces you to take a closer look at your budget than currently. It's that simple. You can save hundreds of thousands. I'd gladly spend $2000 (which I finance through the Heloc) to accomplish this, assuming I don't have savings or another vehicle to acheive a better ROI, wouldn't you? Check out my site...I couldn't be any more straightforward. I must admit, this is the most honest product I have ever marketed.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-29_22:01:32", "killed": false, "user_key": "2de86714295417374ae3e0ce901809ec", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/29/2007 10:01 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21308238": {"up_voted": false, "ip": "", "has_replies": false, "message": "Fred, we can go back and forth on this ad infinitum.  You believe in your company, that's great, and maybe your program is just peachy, but again, you can't make a blanket statement about all systems out there.  In your last comment you mentioned several aspects of this software than can be accomplished *completely free.*<br><br>First of all, when it comes to motivation, one person's motivation is another's demotivation.  Secondly, if tracking finances is a motivator for someone, this can be accomplished for free with web based products or freeware software.  Sure, people who look at their finances in any sort of software are more knowledgable about their financial position than those who don't.  That's not unique to a certain mortgage payment planning software.  <br><br>You make it sound like getting past skepticism should be a goal; it absolutely is not.  The only way to learn about anything is to ask scrutinizing questions, not blindly go with what someone is trying to sell you.  Everything you mentioned in the above post can be accomplished without paying $2,000 of hard-earned money, certainly not financed by debt when one cannot afford it.  That is just plain bad advice.  Not a good use of OPM.<br><br>I'm not going to discuss this with any salesmen any further.  Comments here are closed.", "is_last_child": false, "can_reply": false, "down_voted": false, "real_date": "2007-08-29_22:37:29", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "08/29/2007 10:37 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": true, "is_realtime": false}}, "integration": {"receiver_url": "", "theme": 4, "reply_position": true, "disqus_logo": false}, "timer": {"timer_url": "http://localhost:8005", "thread_id": "42495297", "user_id": "anonymous", "forum_id": "214864", "hash": -5781691340379359460}, "thread": {"days_alive": 0, "slug": "bad_implementation_high_speed_mortgage_payoffs", "paginate": false, "num_pages": 1, "num_posts": 24, "per_page": 0, "total_posts": 0, "realtime_paused": true, "id": 42495297, "queued": false}, "reactions_limit": 10, "context": {"show_reply": false, "use_fb_connect": true, "forum_facebook_key": "a754e38c7443c66a17fb4f842187453e", "use_yahoo": true, "subscribed": false, "use_twitter_signin": true, "use_openid": true, "realtime_speed": 5000}, "reactions_start": 0, "settings": {"debug": false, "disqus_url": "http://disqus.com", "media_url": "http://media.disqus.com"}, "media_url": "http://media.disqus.com"};
	/* */ this.jsonData.cookie_messages = {"user_created": null, "post_has_profile": null, "post_twitter": null, "post_not_approved": null}; this.jsonData.session = {"url": null, "name": null, "email": null}; /* */

	
	this.curPageId = 'dsq-comments';

	this.frames = {};
};

var disqus_popup_reference = null;

if(typeof DsqLocal == 'undefined') {
	DsqLocal = {};
}



/**
 * Dsq.Strings: UI strings
 */
Dsq.Strings = new function() {
	this.ADD_NEW_COMMENT = "Add New Comment";
	this.LOG_INTO_DISQUS = "Log into DISQUS";
	this.USE_MEDIA = "Use Media";
	this.LOGOUT = "Logout";
	this.SHARING_OPTIONS = "Sharing options";
	this.SHARE_ON = "Share on";
	this.TWEET_THIS_COMMENT = "Tweet this comment";
	this.SHARE_ON_NEWSFEED = "Share on news feed";
	this.SEND_UPDATE_TO_YAHOO = "Send update to Yahoo!";
	this.REBLOG_ON = "Reblog on";
	this.CONFIGURE_OPTIONS = "Configure options";
	this.POST_AS = "Post as";
	this.SORT_BY = "Sort by";
	this.SUBSCRIBE_BY_EMAIL = "Subscribe by email";
	this.SUBSCRIBE_BY_RSS = "Subscribe by RSS";
	this.POPULAR_NOW = "Popular now";
	this.BEST_RATING = "Best Rating";
	this.NEWEST_FIRST = "Newest first";
	this.OLDEST_FIRST = "Oldest first";
	this.HIGHLIGHTED = "Highlighted";
	this.UNSUBSCRIBE = "Unsubscribe";
	this.REQUIRED = "Required";
	this.OPTIONAL = "Optional";
	this.YOU_ARE_COMMENTING_AS_A = "You are commenting as a";
	this.LOGIN_BELOW = "Login below";
	this.PLEASE_LOGIN_BELOW_TO_COMMENT = "Please login below to comment.";
	this.SUBSCRIBE_TO_ALL_COMMENTS_BY_EMAIL = "Subscribe to all comments by email";
	this.DO_NOT_SUBSCRIBE_TO_COMMENTS = "Do not subscribe to comments";
	this.REALTIME_UPDATING_IS = "Real-time updating is";
	this.ENABLED = "enabled";
	this.PAUSED = "paused";
	this.PAUSE = "Pause";
	this.RESUME = "Resume";
	this.SHOW = "Show";
	this.JUST_NOW = "Just now";
	this.REPLY = "Reply";
	this.EDIT = "Edit";
	this.FLAG = "Flag";
	this.MODERATE = "Moderate";
	this.CANCEL = "Cancel";
	this.REPLYING_TO = "Replying to";
	this.REPORT_MISSING_REACTIONS = "Report missing reactions";
	this.POST_A_COMMENT = "Post a comment";
	this.FLAG_INAPPROPRIATE_COMMENT = "Flag inappropriate comment";
	this.FLAGGED = "Flagged";
	this.NO = "No";
	this.YES = "Yes";
	this.NEVER_MIND = "Never mind";
	this.ARE_YOU_SURE_YOU_WOULD_LIKE_TO_REPORT_THIS_COMMENT_TO_A_MODERATOR = "Are you sure you would like to report this comment to a moderator";
	this.THIS_WILL_FLAG_COMMENTS_FOR_MODERATORS_TO_TAKE_ACTION = "This will flag comments for moderators to take action";
	this.TO_RATE_PLEASE_LOG_IN = "To rate, please log in";
	this.JUST_A_MOMENT = "Just a moment...";
	this.GUEST = "Guest";
	this.NAME = "Name";
	this.EMAIL = "Email";
  this.WEBSITE = "Website";
  this.SETTINGS = "Settings";
  this.MODERATOR_OPTIONS = "Moderator options: ";
};
// Dsq.Strings

/**
 * Dsq.FmtStrings: functions that return interpolated UI strings
 */
Dsq.FmtStrings = new function() {
	// Seems we have to use named interpolation for Django to translate. Investigate more.
	this.LOGGED_IN_AS = function(username) {
		return Dsq.Utils.interpolate('Logged in as %(username)s', {username:username});
	};

	this.LOGOUT_FROM = function(disqus) {
		return Dsq.Utils.interpolate('Logout from %(disqus)s', {disqus:disqus});
	};

	this.SHOWING_COMMENTS_FULL = function(total, num) {
		if (num === 1) {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> of <span id='dsq-total-posts'>%(total)s</span> comment", {num:num, total:total});
		} else {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> of <span id='dsq-total-posts'>%(total)s</span> comments", {num:num, total:total});
		}
	};

	this.SHOWING_COMMENTS_WITHOUT_PAGINATION = function(num) {
		if (num === 1) {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> comment", {num:num});
		} else {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> comments", {num:num});
		}
	};

	this.NUMBER_OF_COMMENTS = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s comment'
				: '%(num)s comments'
			), {num:num});
	};

	this.NUMBER_OF_LIKES = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s like'
				: '%(num)s likes'
			), {num:num});
	};

	this.NUMBER_OF_POINTS = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s point'
				: '%(num)s points'
			), {num:num});
	};
};
// Dsq.FmtStrings





Dsq.CSRF_TOKEN = '4f0bfca82e06c976a1efdd7c783a5fd0';
Dsq.COMMENTS_RE = /(<li.*?id="?dsq-comment-(\d+)"?.*?>)((?:.|\s)*?)(<\/li>)/gim;
Dsq.POST_RE = /(<div.*?id="?dsq-comment-header-(\d+)"?.*?>)((?:.|\s)*?)(<\/div>)\s*(<div.*?class="?dsq-comment-body"?.*?>)((?:.|\s)*)(<\/div>)/gim;
Dsq.POST_BODY_RE = /\s*(<div.*?id="?dsq-comment-message-(\d+)"?.*?>)((?:.|\s)*)(<\/div>)/gim;
// HACK: Safari ends with "-->" while other browsers end with "--&gt;" as expected.
Dsq.MEDIA_POST_RE = /&lt;!--\[(.*?)\]--(?:>|&gt;)/gim;



var FragmentPacket = function(reader, writer, writer_url, is_child, receiveCallback) {
	var that = this;
	this.reader = reader;
	this.writer = writer;
	this.writer_url = writer_url;

	this.is_child = is_child || false;
	this.receiveCallback = receiveCallback;

	this._lastHash = null;

	this._accumMsg = '';

	this._lastSeqno = 0;

	this.MAX_DATA_LEN	= 1024;

	this.WAIT_TIME		= 10;

	this.READY		= 0x1;
	this.WRITING	= 0x2;
	this.FIN		= 0x4;
	this.ACK		= 0x8;

};

FragmentPacket.prototype.createListener = function() {
	var that = this;
	var listener = function() {
		that.recv();
	};
	return window.setInterval(listener, 10);
};

FragmentPacket.prototype.log = function(msg) {



};

FragmentPacket.prototype.recv = function() {
	var hash;
	if (/MSIE/.test(navigator.userAgent)) {

		hash = this.reader.name;
	} else {

		var hashIndex = this.reader.location.href.indexOf('#');
		if (hashIndex == -1) {
			return;
		}
		hash = this.reader.location.href.substring(hashIndex+1);
	}
	var flags = parseInt(hash.substring(0, 4), 10);
	var seqno = parseInt(hash.substring(4, 24), 10);
	var data  = hash.substring(24);

	if (this._lastHash !== hash) {
		this._lastHash = hash;
		this.log('recv: ' + hash);

		this.log(' flags: ' + flags);
		this.log(' seqno: ' + seqno + ' len: ' + hash.substring(4, 24).length + ' (' + hash.substring(4, 24) + ')');
		this.log(' data: ' + data + ' len: ' + data.length);

		this._lastSeqno = seqno;

		if (flags & this.WRITING) {
			this._accumMsg += data;
			this.sendFlag(this.ACK, seqno);
			if (flags & this.FIN) {
				this.log('recv finished: ' + decodeURIComponent(this._accumMsg));
				this.receiveCallback(decodeURIComponent(this._accumMsg));

				this._accumMsg = '';

				this.sendFlag(this.READY | this.ACK, this._lastSeqno);
			}
		}
	}

	return {
		flags: flags,
		seqno: seqno,
		data: data
	};
};

FragmentPacket.prototype.sendRawPacket = function(packet) {
	if (/MSIE/.test(navigator.userAgent)) {
		this.writer.name = packet;
	} else {

		this.writer.location.href = this.writer_url + '#' + packet;
	}

};

FragmentPacket.prototype.sendFlag = function(flag, seqno) {
	this.sendRawPacket(this._zerofill(flag, 4) + this._zerofill(seqno, 20));
};

FragmentPacket.prototype.send = function(msg) {
	this._send(0, encodeURIComponent(msg));
};

FragmentPacket.prototype._send = function(packetNum, msg) {
	var that = this;
	var recvBuf = this.recv();

	if (packetNum === 0) {

		if (!(recvBuf.flags & this.READY)) {
			this.log('client is not ready, waiting...');
			window.setTimeout(function() { that._send(packetNum, msg); }, this.WAIT_TIME);
			return;
		}
	} else {

		if (!( (recvBuf.flags & this.ACK) && (recvBuf.seqno === this._lastSeqno) )) {
			this.log('waiting for ack from client...');
			window.setTimeout(function() { that._send(packetNum, msg); }, this.WAIT_TIME);
			return;
		} else {
			this.log('received ack: ' + this._lastSeqno + ' ' + recvBuf.seqno);
		}
	}

	var flags = this.WRITING;
	var num_packets = Math.ceil(msg.length / this.MAX_DATA_LEN);
	this.log('num_packets: ' + num_packets);

	if (num_packets === packetNum) {

		this.log('message successfully sent!');
		this.sendFlag(this.READY | this.ACK, this._lastSeqno);
		return true;
	}

	this._lastSeqno++;

	if (packetNum == num_packets-1) {
		flags |= this.FIN;
	}

	var data = msg.substring(packetNum * this.MAX_DATA_LEN, (packetNum+1) * this.MAX_DATA_LEN);
	var packet = this._zerofill(flags, 4) + this._zerofill(this._lastSeqno, 20) + data;

	this.log('sending raw packet: ' + packet);
	this.sendRawPacket(packet);

	return this._send(packetNum + 1, msg);
};

FragmentPacket.prototype._zerofill = function(num, width) {
	var retval = num.toString();
	var retval_len = retval.length;
	for (var i = 0; i < width - retval_len; i++) {
		retval = '0' + retval;
	}
	return retval;
};

var PostMessagePacket = function(receiver, receiveCallback, id, receiverId) {
	var that = this;
	this.receiver = receiver;
	this.receiveCallback = receiveCallback;
	this.id = id;


	this.receiverId = receiverId;
};

PostMessagePacket.prototype.createListener = function() {
	var that = this;

	var listener = function(e) {

		if (!that.id) {
			that.id = e.data;
			return;
		}


		var id = e.data.split(';')[0];
		if (id !== that.id) {
			return;
		}
		var data = e.data.substring(e.data.indexOf(';') + 1);

		that.receiveCallback(data);
	};

	if (typeof window.attachEvent == 'function') {
		window.attachEvent('onmessage', listener);
	} else if (typeof window.addEventListener == 'function') {
		window.addEventListener('message', listener, false);
	} else {
		throw new Error('No method found to create event listener for PostMessagePacket.');
	}
};

PostMessagePacket.prototype.send = function(msg) {



	var needs_reget = false;
	try {
		if (typeof this.receiver.id == 'undefined' || typeof this.receiver.postMessage == 'undefined') {
			needs_reget = true;
		}
	} catch(e) {


	}
	if (needs_reget && typeof this.receiverId != 'undefined') {
		this.receiver = document.getElementById(this.receiverId).contentWindow;
	}

	var packet;
	if (!msg) {

		packet = this.id;
	} else {
		packet = this.id + ';' + msg;
	}
	this.receiver.postMessage(packet, '*');
};

PostMessagePacket._last_unique_id = null;
PostMessagePacket._get_unique_id = function() {
	var id = (new Date()).getTime();
	if (id == PostMessagePacket._last_unique_id) {
		id++;
	}
	PostMessagePacket._last_unique_id = id;
	return id.toString();
};

var JsonRpc = function() {

	this.ids = {};

	this.objectToJSON = function(obj) {
		var json = '';
		var results = [];

		if (obj === undefined || obj === null) {
			return 'null';
		}

		switch (obj.constructor) {
			case Object:
				for (var property in obj) {
					if (obj.hasOwnProperty(property)) {
						results.push(this.objectToJSON(property) + ': ' + this.objectToJSON(obj[property]));
					}
				}
				json = '{' + results.join(', ') + '}';
				break;
			case Array:
				for (var i = 0; i < obj.length; i++) {
					results.push(this.objectToJSON(obj[i]));
				}
				json = '[' + results.join(', ') + ']';
				break;
			case Number:
			case Boolean:
				json = obj.toString();
				break;
			case String:

				var specialChars = {'\b': '\\b', '\t': '\\t', '\n': '\\n', '\f': '\\f', '\r': '\\r', '\\': '\\\\'};

				json = obj.replace(/[\x00-\x1f\\]/g, function(match) {
					var ch = specialChars[match];
					return ch ? ch : '\\u00' + match.charCodeAt().toPaddedString(2, 16);
				});

				json = '"' + json.replace(/"/g, '\\"') + '"';
				break;
			default:

				json = 'null';
				break;
		}

		return json;
	};

	this.createHandler = function(send_func, registered_funcs) {
		var that = this;
		var handler = function(message) {

			try {
				var rpc = eval('(' + message + ')');
			} catch(e) {
				alert('bad JSON: ' + message);
				return;
			}
			if (rpc.method) {

				if (!registered_funcs[rpc.method]) {
					return;
				}

				var retval = registered_funcs[rpc.method].apply(null, rpc.params);
				if (rpc.id) {
					var response = {
						result: retval,
						error: null,	// TODO
						id: rpc.id
					};
					send_func(that.objectToJSON(response));
				}
			} else if(rpc.result) {

				if (!that.ids[rpc.id]) {
					return;
				}

				that.ids[rpc.id](rpc.result);
				delete that.ids[rpc.id];
			}
		};
		return handler;
	};

	this.execute = function(send_func, method, params, response_callback) {
		response_callback = response_callback || null;
		var id = (response_callback) ? (new Date()).getTime() : null;

		var request = {
			method: method,
			params: params,
			id: id
		};

		send_func(this.objectToJSON(request));

		if (id) {
			this.ids[id] = response_callback;
		}
	};
};
JsonRpc = new JsonRpc();

var ParentMessenger = function(childUrl, receiverUrl, container, receiveCallback) {


	if (navigator.userAgent.indexOf('Safari') >= 0 && parseInt(navigator.userAgent.substring(navigator.userAgent.indexOf('Version/') + 8), 10) == 3) {
		throw new Error("unsupported.");
	} else if (window.opera) {
		throw new Error("unsupported.");
	}



	if (!receiverUrl &&
		navigator.userAgent.indexOf('Gecko') >= 0 &&
		parseFloat(navigator.userAgent.slice(navigator.userAgent.indexOf('rv:') + 3, navigator.userAgent.indexOf('rv:') + 6)) < 1.9) {
		throw new Error("unsupported.");
	}


	if (/msie/i.test(navigator.userAgent) && !/opera/i.test(navigator.userAgent)) {


		if (document.domain == window.location.hostname) {
			receiverUrl = '';
		}
	}

	var that = this;
	this.childUrl = childUrl;
	this.receiverUrl = receiverUrl;
	this.container = container || document.body;

	this.packetHandler = null;


	this._ready = false;
	this._error = false;


	var _createReceiverForFragmentPacket = function() {

		that.receiver = document.createElement('iframe');
		that.receiver.src = receiverUrl;
		that.receiver.id = 'receiver_' + (new Date()).getTime();
		that.receiver.name = that.receiver.id;

		that.receiver.frameBorder = '0';
		that.receiver.frameSpacing = '0';
		that.receiver.style.borderStyle = 'none';

		var receiver_onload = function() {
			var receiver = document.getElementById(that.receiver.id).contentWindow;

			try {
				receiver.document.body.innerHTML = '';
			} catch(e) {

				that._error = true;
			}
			receiver.document.body.style.padding = '0px';
			receiver.document.body.style.margin = '0px';

			var child = receiver.document.createElement('iframe');
			child.id = 'child';
			child.name = 'child';
			child.src = that.childUrl;

			child.frameBorder = '0';
			child.frameSpacing = '0';
			child.style.borderStyle = 'none';
			child.style.width = '100%';
			child.style.height = '100%';
			receiver.document.body.appendChild(child);

			that.child = receiver.document.getElementById('child').contentWindow;
			that.receiver = receiver;

			that.packetHandler = new FragmentPacket(that.receiver, that.child, that.childUrl, false, receiveCallback);

			that._listener = that.packetHandler.createListener();

			that.packetHandler.sendFlag(that.packetHandler.READY, 0);

			that._ready = true;
		};

		that.receiver.onreadystatechange = function() {
			if (this.readyState == 'complete') {
				receiver_onload();
			}
		};

		that.receiver.onload = receiver_onload;







		if (Dsq.Utils.ie) {
			if (that.container.clientWidth === 0) {

				var _waitForWidth = function() {
					if (that.container.clientWidth > 0) {
						Dsq.Utils.fixIframesIE(that.container.id);
					} else {
						window.setTimeout(_waitForWidth, 100);
					}
				};
				_waitForWidth();

				that._once = false;
				that.receiver.onresize = function() {
					if (!that._once) {
						Dsq.Utils.fixIframesIE(that.container.id);
					}
					that._once = true;
				};
			}
		}

		that.container.appendChild(that.receiver);
	};


	var _createReceiverForPostMessage = function() {

		var receiver_onload = function() {

			that.packetHandler.send();
			that._ready = true;
		};

		var id = PostMessagePacket._get_unique_id();
		var receiverId = 'child_' + id;


		ParentMessenger['_receiver_onload_' + receiverId] = receiver_onload;

		that.container.innerHTML += '<iframe ' +
			'src="' + childUrl + '" ' +
			'id="' + receiverId + '" ' +
			'name="' + receiverId + '" ' +
			'onload="ParentMessenger._receiver_onload_' + receiverId +'();" ' +
			'></iframe>';

		that.receiver = document.getElementById(receiverId).contentWindow;
		that.packetHandler = new PostMessagePacket(that.receiver, receiveCallback, id, receiverId);
		that._listener = that.packetHandler.createListener();
	};

	if (typeof window.postMessage == 'function') {
		_createReceiverForPostMessage();
	} else {
		_createReceiverForFragmentPacket();
	}

};

ParentMessenger.prototype.sendMessage = function(message) {
	var that = this;
	if (!this._ready) {

		window.setTimeout(function() { that.sendMessage(message); }, 10);
		return;
	}
	this.packetHandler.send(message);
	return true;
};

Dsq.NewFrames = function(url) {
	this.url = url;
};

Dsq.NewFrames.prototype.init = function(onFailure) {
	var that = this;

	try {
		this.messenger = new ParentMessenger(this.url, Dsq.jsonData.integration.receiver_url, this.container, this.receive_callback);
	} catch(e) {
		if (typeof onFailure == 'function') {
			onFailure();
		}
	}

	if (typeof onFailure == 'function') {
		var iId = window.setInterval(function() {
			if (typeof that.messenger == 'undefined') {
				window.clearInterval(iId);
				return;
			}
			if (that.messenger._ready) {
				window.clearInterval(iId);
			} else if (that.messenger._error) {
				window.clearInterval(iId);
				onFailure();
			}
		}, 10);
	}
};

Dsq.NewFrames.prototype._execute = function(method, args, callback) {
	var that = this;
	if (typeof that.messenger == 'undefined') {
		return false;
	}
	JsonRpc.execute(
		function(msg) { that.messenger.sendMessage(msg); },
		method,
		args || [],
		callback);
	return true;
};

Dsq.ReplyFrame = function(container, parent_post_id) {
	var that = this;
	this.container = container;
	this.parent_post_id = parent_post_id;

	var sendFunc = function(msg) {

		Dsq.Debug.log('Dsq.ReplyFrame.sendFunc');
		that.messenger.sendMessage(msg);
	};


	var postComment_onSuccess = function(response) {
		Dsq.jsonData.posts[response.message.id] = response.message.post_meta;
		if (!Dsq.jsonData.users[response.message.post_meta.user_key]) {
			Dsq.jsonData.users[response.message.post_meta.user_key] = response.message.user_meta;
		}


		var reply_position = (typeof(disqus_insert_wrt_sort) == 'undefined' 
			? (Dsq.jsonData.forum.reply_position ? -1 : null) 
			: (Dsq.jsonData.request.sort == 2 ? null : -1));
		
		if (response.message.post_meta.approved) {
			Dsq.Post.insert(response.message.post_meta.parent_post_id || reply_position, response.message.id, response.message.post_meta.message);
		}

		Dsq.Templates.postComment_onSuccess(response, parent_post_id, response.message.id);
	};

	var postComment_onFailure = function(response) {
		Dsq.Popup.popModal(response.message, 'Error');
		Dsq.Templates.postComment_onFailure(response, parent_post_id, response.message.id);
	};

	var editComment_onSuccess = function(response) {
		var post_id = parent_post_id;
		var message = Dsq.$('dsq-comment-message-' + post_id);
		
		message.innerHTML = response.message;
		Dsq.Templates.toggleEdit(post_id);
		Dsq.Templates.setLoadingButton(false);
	};
	
	var editComment_onFailure = function(response) {
		var post_id = parent_post_id;
		
		Dsq.Popup.popModal('Sorry, there was an error editing this comment.', 'Edit Error');
		Dsq.Templates.toggleEdit(post_id);
		Dsq.Templates.setLoadingButton(false);
	};

	var getUserByEmail_onSuccess = function(response) {
		var msg = response.message;
		var fields = Dsq.Templates.getFormFields(parent_post_id);

		if (msg.username) {

			Dsq.Templates.lightboxAuthenticate(parent_post_id, 'login', {
				'username': msg.username,
				'display_name': msg.display_name,
				'avatar_url': msg.avatar_url,
				'verified': msg.verified,
				'email': fields.email.value
			});
		} else {

			Dsq.Templates.lightboxAuthenticate(parent_post_id, 'register');
		}
	};

	var validateAuth_onSuccess = function(response, auth_choice) {
		Dsq.Templates.postComment(parent_post_id, null, true, auth_choice);
	};

	var validateAuth_onFailure = function(response, auth_choice) {
		var pid = parent_post_id ? '-' + parent_post_id : '';
		var msg = response.message;

		if (auth_choice == 'register') {
			var fields = ['email', 'username', 'password'];

			for (var i = 0; i < fields.length; i++) {
				var field = fields[i];
				var errorDiv = Dsq.$('dsq-' + field + '-errors' + pid);

				if (msg[field]) {
					errorDiv.innerHTML = msg[field];
				} else {
					errorDiv.innerHTML = '';
				}
			}
		} else if (auth_choice == 'login') {
			Dsq.$('dsq-lightbox-errors' + pid).innerHTML = '<p>We couldn\'t log you in. Please verify your login.</p>';
		}
		
		Dsq.Templates.setLoadingButton(false);
	};

	this.receive_callback = JsonRpc.createHandler(sendFunc, {
		'postComment.onSuccess': postComment_onSuccess,
		'postComment.onFailure': postComment_onFailure,
		'editComment.onSuccess': editComment_onSuccess,
		'editComment.onFailure': editComment_onFailure,		
		'getUserByEmail.onSuccess': getUserByEmail_onSuccess,
		'validateAuth.onSuccess': validateAuth_onSuccess,
		'validateAuth.onFailure': validateAuth_onFailure,
		'reload': function() { window.location.reload(); }
	});

	this.url = Dsq.Urls.REPLY +
		'?' + (new Date()).getTime() +
		'&f=consumerismcommentary' +
		'&t=bad_implementation_high_speed_mortgage_payoffs' +
		'&ff=' + Dsq.Thread.ff +
		'&default_text=' + disqus_default_text +
		'&ifrs=' + encodeURIComponent(disqus_iframe_css);
	if (this.parent_post_id) {
		this.url += '&parent_post=' + this.parent_post_id;
	}
};

Dsq.ReplyFrame.prototype = new Dsq.NewFrames(Dsq.ReplyFrame.url);

Dsq.ReplyFrame.prototype.post = function(author_name, author_email, author_url, authenticate, sharing_services, subscribe) {
	this._execute('postComment', [author_name, author_email, author_url, authenticate, sharing_services, subscribe]);
};

Dsq.ReplyFrame.prototype.edit = function(post_id, message) {
	this._execute('editComment', [post_id, message]);
};

Dsq.ReplyFrame.prototype.setState = function(parent_post_id, depth) {
	this._execute('setState', [parent_post_id, depth]);
};

Dsq.ReplyFrame.prototype.getUserByEmail = function(email) {
	this._execute('getUserByEmail', [email]);
};

Dsq.ReplyFrame.prototype.validateAuth = function(auth_choice, email, username, password) {
	this._execute('validateAuth', [auth_choice, email, username, password]);
};

Dsq.ReplyFrame.prototype.authenticateFacebook = function(session, forum_url) {
	this._execute('authenticateFacebook', [session, forum_url]);
};

	Dsq.Facebook = function() {
	var that = this;

	var handleSessionData = function(session) {

		var forum_url = Dsq.jsonData.forum.url;




		if (typeof disqus_facebook_forum != 'undefined') {
			forum_url = disqus_facebook_forum;
		}
		Dsq.frames.reply_0.authenticateFacebook(session, forum_url);
	};

	var onLogin = function() {
		FB.Connect.getSignedPublicSessionData(handleSessionData);
	};

	this.login = function() {
		FB.Connect.requireSession(onLogin, true);
	};
};
Dsq.Facebook = new Dsq.Facebook();


	






Dsq.Themes = {};

Dsq.Themes.narcissus = new function() {
	this.addPostContainer = 'dsq-form-area';
	this.textareaContainer = 'dsq-textarea-wrapper';



	
	this.header = function() {
		var comments_count, total_posts, num_posts;
		var html = '';
		var missing_perm_tmpl;

		if (Dsq.jsonData.request.missing_perm) {
			missing_perm_tmpl = Dsq.Templates.missingPermissions();
			if (missing_perm_tmpl) {
				html += '<div class="dsq-missing-permissions">' + missing_perm_tmpl + '</div>';
			}
		}

		total_posts = Dsq.jsonData.thread.total_posts;
		num_posts = Dsq.jsonData.thread.num_posts;

		if (total_posts) {
			comments_count = Dsq.FmtStrings.SHOWING_COMMENTS_FULL(total_posts, num_posts);
		} else {
			comments_count = Dsq.FmtStrings.SHOWING_COMMENTS_WITHOUT_PAGINATION(num_posts);
		}

		html += ' \
		<div id="dsq-comments-title"> \
			<h3>' + comments_count + '</h3> \
		</div> \
		';

		html += ' \
		<div class="dsq-options"> \
			<span class="dsq-item-sort">'
				+ Dsq.Strings.SORT_BY + ' \
				<select id="dsq-sort-select" onchange="Dsq.Thread.sortBy(this.value);"> \
					<option value="hot" ' + (Dsq.jsonData.request.sort == 4 ? 'selected="selected"' : '') + '>' + Dsq.Strings.POPULAR_NOW + '</option> \
					<option value="best" ' + (Dsq.jsonData.request.sort == 3 ? 'selected="selected"' : '') + '>' + Dsq.Strings.BEST_RATING + '</option> \
					<option value="newest" ' + (Dsq.jsonData.request.sort == 2 ? 'selected="selected"' : '') + '>' + Dsq.Strings.NEWEST_FIRST + '</option> \
					<option value="oldest" ' + (Dsq.jsonData.request.sort == 1 ? 'selected="selected"' : '') + '>' + Dsq.Strings.OLDEST_FIRST + '</option> \
				</select> \
				&nbsp; \
			</span> \
			<span class="dsq-subscribe-email"> \
				<img src="http://media.disqus.com/images/embed/email.png" style="width:12px;height:12px;vertical-align:middle"> \
				<span id="dsq-subscribe">'
					+ (Dsq.jsonData.context.subscribed
						? '<a href="#" onclick="Dsq.Thread.subscribe(0); return false">' + Dsq.Strings.UNSUBSCRIBE + '</a>'
						: '<a href="#" onclick="Dsq.Thread.subscribe(1); return false">' + Dsq.Strings.SUBSCRIBE_BY_EMAIL + '</a>')
				+ '</span> \
			</span> \
			<span class="dsq-subscribe-rss" style="width:12px;height:12px;vertical-align:middle"> \
				<img src="http://media.disqus.com/images/embed/bullet-feed.png" alt="" /> \
				<a href="http://consumerismcommentary.disqus.com/bad_implementation_high_speed_mortgage_payoffs/latest.rss">' + Dsq.Strings.SUBSCRIBE_BY_RSS + '</a> \
			</span> \
		</div> \
		';

		
		

		return html;

	};
	
	this.footer = function() {
		var html = '';

		html += Dsq.Templates.pagination();

		
		
			html += Dsq.Templates.realtime();
			html += Dsq.Templates.showThreadSettings();
			html += Dsq.Templates.postBox();

		html += Dsq.Templates.reactions();

		


		if (Dsq.jsonData.request.is_global_moderator) {
 			html += ' \
				<div class="dsq-global-moderator-extras">'
					+ '<strong>shortname:</strong> ' + Dsq.jsonData.forum.url
					+ '<strong>thread id:</strong> ' + Dsq.jsonData.thread.id
					+ '<strong>thread slug:</strong> ' + Dsq.jsonData.thread.slug
				+ '</div> \
			';
		}

		return html;
	};
	
	this.realtime = function() {
		var html = '';
		
		if (Dsq.jsonData.realtime_enabled) {
			html += '<div id="dsq-realtime-options" class="dsq-options">'
					 + Dsq.Strings.REALTIME_UPDATING_IS + ' <strong id="dsq-realtime-status" style="text-transform: lowercase">' + Dsq.Strings.ENABLED + '</strong>. \
					 <a href="#" id="dsq-realtime-toggle" style="text-transform: capitalize"></a> \
					</div>';
		}

		if (!Dsq.jsonData.forum.streaming_realtime) {
			html += ' \
				<div style="display: none" id="dsq-realtime-alert" class="dsq-realtime-alert"><span id="dsq-realtime-queued"></span> <a href="#" id="dsq-realtime-show"></a></div> \
			';
		}
		
		return html;
	};

	this.showThreadSettings = function() {
		if (!Dsq.jsonData.request.is_moderator) {
			return '';
		}

		html = '<div id="dsq-thread-settings" class="dsq-thread-settings">' + Dsq.Strings.MODERATOR_OPTIONS;
		html += '<a href="#" onclick="Dsq.Thread.showSettings(); return false;">' + Dsq.Strings.SETTINGS + '</a>';
		if (Dsq.jsonData.forum.reactions_enabled && Dsq.jsonData.reactions.length === 0) {
			html += '<a href="#" onclick="Dsq.Reaction.reportMissingReactions(); return false;">'
						+ Dsq.Strings.REPORT_MISSING_REACTIONS
						+ '</a>';
		}
		html +='</div>';

		return html;
	};

	this.postBox = function(post_id, use_fallback_iframe) {


		var html;
		var display_sharing_options = Dsq.jsonData.request.is_authenticated;
		if (Dsq.jsonData.request.is_remote) {


			if (!Dsq.jsonData.request.sharing.hasOwnProperty(Dsq.jsonData.request.remote_domain)) {
				display_sharing_options = false;
			}
		}
		
		if (post_id) {
			var _meta = Dsq.jsonData.posts[post_id];
			var userData = Dsq.jsonData['users'][_meta.user_key];				
		}
		
		var pid = post_id ? '-' + post_id : '';

		var _requestUserInfo = function() {
			var html;



			var user_has_email = false;

			html = '<div class="dsq-request-user-info"> <!-- // If authenticated --> \
				<a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.LOGOUT + '?ctkn=' + Dsq.CSRF_TOKEN + '" class="dsq-request-user-logout">' + Dsq.Strings.LOGOUT + '</a> \
				<table> \
					<tr> \
						<td rowspan="2">'
							+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '<a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE + '">' : '')
								+ '<img src="' + Dsq.Urls.REQUEST_USER_AVATAR + '" width="48" height="48" class="dsq-request-user-avatar">'
							+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '</a>' : '')
						+ '</td> \
						<td class="dsq-request-user-name">'
								+ (Dsq.jsonData.request.is_remote
									 ? '<span class="dsq-badge-small dsq-badge-' + Dsq.jsonData.request.remote_domain + '">' + Dsq.jsonData.request.remote_domain + '</span>'
									 : (Dsq.jsonData.request.is_verified
											? '<span class="dsq-badge-small dsq-badge-verified">Verified</span>'
											: '<span class="dsq-badge-small dsq-badge-registered">Registered</span>'))
							+ ' <a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE + '">' + Dsq.jsonData.request.display_username + '</a>'
							+  (Dsq.jsonData.request.is_remote && user_has_email ? ' <small>(<a href="#" onclick="Dsq.Popup.remoteAccountSettings(); return false;">change settings</a>)</small>' : '')
							+  (!Dsq.jsonData.request.is_remote && !Dsq.jsonData.forum.disqus_auth_disabled ? ' <small>(<a href="' + Dsq.jsonData.settings.disqus_url + '/profile/info/" target="_blank">change name</a> or <a href="' + Dsq.jsonData.settings.disqus_url + '/profile/avatar/" target="_blank">picture</a>)</small>' : '')
						+ '</td> \
					</tr> \
					<tr> \
						<td class="dsq-request-user-stats"> \
							<span><big>' + Dsq.jsonData.request.comments_count + '</big> ' + (Dsq.jsonData.request.comments_count == 1 ? 'comment' : 'comments') + '</span> \
							<span><big>' + Dsq.jsonData.request.likes_count + '</big> ' + (Dsq.jsonData.request.likes_count == 1 ? 'like' : 'likes') + '</span> \
							<span><big>' + Dsq.jsonData.request.points + '</big> ' + (Dsq.jsonData.request.points == 1 ? 'point' : 'points') + '</span> \
						</td> \
					</tr> \
				</table> \
			</div> \
			';
			return html;
		};

		var _loginOptions = function() {
			var html;
			html = ' \
			<div class="dsq-authenticate"> \
				<p class="dsq-autheneticate-copy">'
				+ (Dsq.jsonData.forum.allow_anon_post
					? Dsq.Strings.YOU_ARE_COMMENTING_AS_A + ' <a class="dsq-help" title="Click for more information" href="#" onclick="Dsq.Popup.helpBadges(); return false">Guest</a>. ' + Dsq.Strings.OPTIONAL + ': ' + Dsq.Strings.LOGIN_BELOW + '.'
					: Dsq.Strings.REQUIRED + ': ' + Dsq.Strings.PLEASE_LOGIN_BELOW_TO_COMMENT + '.')
				+ '</p> \
				<ul class="dsq-login-buttons">'
					+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Popup.login(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-disqus.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_fb_connect ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Facebook.login(); return false;"><img src="http://media.disqus.com/images/themes/narcissus/login-facebook.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_twitter_signin ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Twitter.startTwitterConnect(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-twitter.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_openid ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.OpenID.requestURL(); return false" ><img src="http://media.disqus.com/images/themes/narcissus/login-openid.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_yahoo ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Yahoo.startYahooConnect(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-yahoo.gif" /></a></li>' : '')
				+ '</ul> \
			</div> \
			';
			return html;
		};

		if (!Dsq.jsonData.context.show_reply) {


			if (!Dsq.jsonData.request.is_authenticated) {



				return '<div id="dsq-form-area" style="display:none"><div id="dsq-textarea-wrapper"></div></div>' + _loginOptions();
			} else {
				return '';
			}
		}

		html = ' \
		<div id="' + (post_id 
			? 'dsq-reply-post-' + post_id
			: 'dsq-new-post')
		 	+ '" class="dsq-post-area"> \
			<div class="dsq-dc-logo"> \
				<a href="http://disqus.com/comments" target="_blank"><img src="http://media.disqus.com/images/themes/narcissus/disqus-logo.png"></a> \
			</div>'
			+ (post_id 
				? '<h3>' + Dsq.Strings.REPLYING_TO + ' ' + userData.display_name + '</h3>'
				: '<h3>' + Dsq.Strings.ADD_NEW_COMMENT + '</h3>')
			+ (Dsq.jsonData.request.is_authenticated 
				? _requestUserInfo()
				: _loginOptions() )
			+ '<div id="dsq-form-area' + pid + '">'
			+ '<div class="dsq-textarea"> \
				<div class="dsq-textarea-wrapper" id="dsq-textarea-wrapper' + pid + '"></div> \
			</div>'
			+ (!Dsq.jsonData.request.is_authenticated
			? ' \
			<div class="dsq-post-fields"> \
				<form action="." method="GET" onsubmit="Dsq.Templates.postComment(' + post_id + ', this, false); return false;"> \
				<table> \
					<tr> \
						<td class="dsq-post-fields-left"><div class="dsq-input-wrapper"><input id="dsq-field-name' + pid + '" type="text" value="' + (disqus_def_name ? disqus_def_name : (Dsq.jsonData.session.name ? Dsq.jsonData.session.name : Dsq.Strings.NAME + '" class="dsq-placeholder')) + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'name\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'name\')" /></div></td> \
						<td class="dsq-post-fields-right"><div class="dsq-input-wrapper"><input id="dsq-field-website' + pid + '" type="text" value="' + (Dsq.jsonData.session.url ? Dsq.jsonData.session.url : Dsq.Strings.WEBSITE + ' (' + Dsq.Strings.OPTIONAL.toLowerCase() + ')" class="dsq-placeholder') + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'website\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'website\')" /></div></td> \
					</tr> \
					<tr> \
						<td class="dsq-post-fields-left"><div class="dsq-input-wrapper"><input id="dsq-field-email' + pid + '" type="text" value="' + (disqus_def_email ? disqus_def_email : (Dsq.jsonData.session.email ? Dsq.jsonData.session.email : Dsq.Strings.EMAIL + '" class="dsq-placeholder')) + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'email\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'email\')" /></div></td> \
						<td class="dsq-post-fields-right"> \
							<div class="dsq-subscribe"> \
								<a href="#" onclick="Dsq.Templates.chooseSubscribe(' + post_id + '); return false" class="dsq-subscribe-menu"><span id="dsq-subscribe-select' + pid + '">' + (Dsq.jsonData.request.subscribe_on_post ? Dsq.Strings.SUBSCRIBE_TO_ALL_COMMENTS_BY_EMAIL : Dsq.Strings.DO_NOT_SUBSCRIBE_TO_COMMENTS) + '</span> <small>&#9660;</small></a> \
								<ul class="dsq-panel" id="dsq-subscribe-menu' + pid + '"> \
									<li><a href="#" onclick="Dsq.Templates.setSubscribe(2, this, ' + post_id + '); return false">Subscribe to all comments by email</a></li> \
									<li><a href="#" onclick="Dsq.Templates.setSubscribe(0, this, ' + post_id + '); return false">Do not subscribe to comments</a></li> \
								</ul> \
								<input id="dsq-subscribe-on-post' + pid + '" type="hidden" value="' + Dsq.jsonData.request.subscribe_on_post + '" /> \
							</div> \
						</td> \
					</tr> \
				</table> \
				</form> \
			</div>'
			: '')
			+ '<div class="dsq-post-footer"> \
				<div class="dsq-sharing-options" ' + (!display_sharing_options ? 'style="display:none;"' : '') + '> \
					<button class="dsq-button-small" onfocus="document.getElementById(\'dsq-post-button' + pid + '\').focus();"><span>' + Dsq.Strings.SHARING_OPTIONS + ' <small>&#9660;</small></span></button> \
					<div class="dsq-panel"> '
						+ (Dsq.jsonData.request.sharing.twitter !== undefined
								&& Dsq.jsonData.request.sharing.twitter.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-twitter' + pid + '"'
								  + (Dsq.jsonData.request.sharing.twitter.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-twitter' + pid + '">' + Dsq.Strings.SHARE_ON + ' Twitter</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.facebook
								&& (Dsq.jsonData.request.sharing.facebook.enabled === true ||
										(Dsq.jsonData.request.is_remote && Dsq.jsonData.request.remote_domain == 'facebook'))
							? '<div><input type="checkbox" id="dsq-sharing-facebook' + pid + '"'
									+ (Dsq.jsonData.request.sharing.facebook.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-facebook' + pid + '">' + Dsq.Strings.SHARE_ON + ' Facebook</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.yahoo !== undefined
								&& Dsq.jsonData.request.sharing.yahoo.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-yahoo' + pid + '"'
									+ (Dsq.jsonData.request.sharing.yahoo.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-yahoo' + pid + '">' + Dsq.Strings.SHARE_ON + ' Yahoo!</label> \
								</div>'
							: '')
						+ (Dsq.jsonData.request.sharing.tumblr !== undefined
								&& Dsq.jsonData.request.sharing.tumblr.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-tumblr' + pid + '"'
									+ (Dsq.jsonData.request.sharing.tumblr.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-tumblr' + pid + '">' + Dsq.Strings.SHARE_ON + ' Tumblr</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.wordpress !== undefined
								&& Dsq.jsonData.request.sharing.wordpress.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-wordpress' + pid + '"'
									+ (Dsq.jsonData.request.sharing.wordpress.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-wordpress' + pid + '">' + Dsq.Strings.SHARE_ON + ' Wordpress</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.movabletype !== undefined
							  && Dsq.jsonData.request.sharing.movabletype.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-movabletype' + pid + '"'
									+ (Dsq.jsonData.request.sharing.movabletype.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-movabletype' + pid + '">' + Dsq.Strings.SHARE_ON + ' Movable Type</label> \
							   </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.typepad !== undefined
							  && Dsq.jsonData.request.sharing.typepad.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-typepad' + pid + '"'
									+ (Dsq.jsonData.request.sharing.typepad.auto === true ? 'checked=true' : '') + '/> \
								  <label for="dsq-sharing-typepad' + pid + '">' + Dsq.Strings.SHARE_ON + ' TypePad</label> \
							   </div>'
							: '')
						+ '<div><a href="' + Dsq.jsonData.settings.disqus_url + '/profile/connections/" target="_blank" class="dsq-configure-options">' + Dsq.Strings.CONFIGURE_OPTIONS + '</a></div>'
					+ '</div> \
				</div>'
				+ '<button class="dsq-button" id="dsq-post-button' + pid + '" onclick="Dsq.Templates.postComment(' + post_id + ', this, false)"><span>' + Dsq.Strings.POST_AS + ' '
				+ (Dsq.jsonData.request.display_username
					? Dsq.jsonData.request.display_username
					: Dsq.Strings.GUEST)
				+ '</span></button>'
				+ (post_id
					? '<button class="dsq-button" id="dsq-cancel-button' + pid + '" onclick="Dsq.Post.toggleReply(' + post_id +', this)"><span>' + Dsq.Strings.CANCEL + '</span></button>'
					: '')
			+ '</div>'
			+ '</div>' // end dsq-form-area
		+ '</div> \
		';
		
		return html;
	};




	this.appendPost = function(post_id) {
		var html = '<div id="dsq-append-post-' + post_id + '"></div>';
		return html;
	};

	this.postPrependHeader = function(post_id) {
		var html;
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		
		html = ' \
		<table> \
			<tr> \
				<td id="dsq-header-avatar-' + post_id + '" class="dsq-header-avatar" onmouseover="Dsq.Post.dropProfile(' + post_id + ')"> \
					<a id="dsq-avatar-' + post_id + '" class="dsq-avatar" href="' + userData.url + '" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">'
					+ (Dsq.jsonData.forum.show_avatar
					? '<img src="' + Dsq.jsonData.users[_meta.user_key].avatar + '" alt="" />'
					: '')
				+ '</a> \
				</td> \
				<td class="dsq-comment-header-meta"> \
		';

		
		return html;
	};
	
	this.postAppendHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var html;
		var parent_display_name = '';
		
		if(_meta.parent_post_id) {

			var _parent_meta = Dsq.jsonData.posts[_meta.parent_post_id];

			if (_parent_meta) {
				var parentUserData = Dsq.jsonData['users'][_parent_meta.user_key];
				parent_display_name = parentUserData.display_name;
			}
		}

		html = ' \
		<img src="http://media.disqus.com/images/themes/narcissus/moderator.png" class="dsq-moderator-star" title="Moderator" /> \
		<span class="dsq-comment-header-time"><a href="#comment-' + post_id + '" onclick="Dsq.Popup.permalink(' + post_id + ')" title="Permalink">' + (_meta.is_realtime ? Dsq.Strings.JUST_NOW : _meta.date) + '</a></span> '
		+ (_meta.parent_post_id && parent_display_name
			? '<a href="#comment-' + _meta.parent_post_id + '" title="Jump to comment">in reply to ' + parent_display_name + '</a>'
			: '')
		+ '</td> \
		<td id="dsq-like-pts-' + post_id + '" class="dsq-comment-header-likes">'
		+ (_meta.points
			? _meta.points + Dsq.Utils.pluralize(_meta.points, ' person', ' people') + ' liked this.'
			: '')
		+ '</td> \
		</tr> \
		</table> \
		';
		return html;
	};

	this.preBody = function(post_id) {
		var html = '';
		return html;
	};

	this.postFooter = function(post_id) {
		var html;
		var _meta = Dsq.jsonData.posts[post_id];
		if(_meta.killed || !_meta.approved) { return ''; }
		
		html = ' \
		<div class="dsq-comment-footer" id="dsq-comment-footer-' + post_id + '"> \
			<div class="dsq-comment-footer-left">'
				+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator
					? '<a href="#" onclick="Dsq.Templates.moderateOptions(' + post_id+ '); return false">' + Dsq.Strings.MODERATE + '</a>'
					: '')
				+ '<a href="#" id="dsq-post-report-' + post_id + '" class="dsq-post-report" onclick="Dsq.Post.report(' + post_id + ', false); return false;">' + Dsq.Strings.FLAG + '</a> \
			</div> \
			<div class="dsq-comment-footer-right">'
				+ (_meta.votable 
					? '<span id="dsq-like-' + post_id + '" class="dsq-like">'
					+ (!_meta.up_voted
						? '<button class="dsq-button-small" onclick="Dsq.Post.rate(this, ' + post_id + ', 1)" >Like</button>'
						: 'You liked this.&nbsp;&nbsp;')
					+ '</span>'
					: '')
				+ (_meta.can_reply && !_meta.has_replies && _meta.from_request_user
					? '<button class="dsq-button-small dsq-post-edit" onclick="Dsq.Post.edit(this, ' + post_id + ')" >' + Dsq.Strings.EDIT + '</button>'
					: '')
				+ (_meta.can_reply
					? '<span class="dsq-comment-footer-reply" id="dsq-comment-footer-reply-' + post_id + '" onclick="Dsq.Post.toggleReply(' + post_id +', this)"> \
						<button class="dsq-button-small">' + Dsq.Strings.REPLY + '</button> \
						<button class="dsq-comment-footer-reply-tab">' + Dsq.Strings.REPLY + '</button><span></span> \
					</span>'
					: '')
			+ '</div> \
		</div> \
		';
		
		return html;
	};



	
	this.showRetweets = function(id, limit, element_id /* Optional */) {
		var source, html = '';

		for (var i = 0, reaction; reaction = Dsq.jsonData.reactions[i]; i++) {
			if (reaction.id === id) {
				source = reaction.retweets;
			}
		}

		if (source) {
			if (limit === 0) {
				limit = source.length;
			}

			for (var j = 0; j < limit; j++) {
				var rt = source[j];
				html += '<a href="' + rt.url + '">' + rt.author_name + '</a>'	+ ((j === (limit - 1)) ? '.' : ', ');
			}
		}

		if (element_id === undefined) {
			return html;
		}

		var element = document.getElementById(element_id);
		element.innerHTML = html;
		return element;
	};

	this.showMoreReactions = function(reactions, has_more, start, limit) {
		var link = document.getElementById('dsq-show-more-reactions');
		var container = link.parentNode;
		container.removeChild(link);

		for (var i = 0, reaction; reaction = reactions[i]; i++) {
			var el = Dsq.Templates.generateReactionHTML(reaction);
			if (el) {
				container.innerHTML += el;
			}
		}

		if (has_more) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = start;
			var l = limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			container.innerHTML += '<li id="dsq-show-more-reactions" class="dsq-show-more-reactions"><button class="dsq-button-small" onclick="' + handler + '">Show more reactions</button></li>';
		}
	};

	this.generateReactionHTML = function(reaction) {
		if (reaction.body === null || reaction.body == '') {
			return;
		}

		if (reaction.author_name === '') {
			reaction.author_name = '&nbsp;';
		}

		if (reaction.url === '') {
			reaction.url = reaction.get_service_url;
		}

		var item = '<li class="dsq-comment dsq-reaction" id="dsq-reaction-' + reaction.id + '">'
			+ '<div class="dsq-comment-header"> \
			<table> \
			<tr> \
			<td class="dsq-header-avatar"> \
			';

		if (reaction.author_url && reaction.author_url !== '') {
			item += '<a target="_blank" href="' + reaction.author_url +'" class="dsq-avatar">';
		}

		if (reaction.avatar_url && reaction.avatar_url !== '') {
			item += '<img src="' + reaction.avatar_url + '"/>';
		} else {

			item += '<img src="' + Dsq.jsonData.media_url + '/images/noavatar92.png"/>';
		}

		var service_icon = (reaction.get_service_name == 'trackback' || reaction.get_service_name == 'pingback' ? 'rss' : reaction.get_service_name.replace(' ', ''));
		item += (reaction.author_url && reaction.author_url !== ''
				? '</a>'
				: '')
			+ '</td>'
			+ '<td><cite class="dsq-comment-cite">' + reaction.author_name + '</cite> <span class="dsq-comment-header-time">' + reaction.date_created + '</span></td>'
			+ '<td class="dsq-comment-header-likes"></td>'
			+ '</tr></table></div>' // end dsq-comment-header
			+ '<div class="dsq-reaction-header" \
				<table> \
					<tr> \
						<td class="dsq-reaction-header-left">'
							+ '<img class="dsq-service-icon" src="' + Dsq.jsonData.media_url + '/images/reactions/services/' + service_icon + '.png" />'
							+ ' From <a class="dsq-service-name" target="_blank" href="' + reaction.url + '">' + reaction.get_service_name + '</a> '
							+ 'via ' + (reaction.source == 'backtype' ? '<a href="http://backtype.com/">BackType</a>' : '<a href="' + reaction.source_url + '">UberVU</a>')
						+ '</td>'
						+ '<td class="dsq-reaction-header-right">';
			
			if(reaction.retweets) {
				var num_retweets = reaction.retweets.length;
				if (num_retweets > 0) {
					if (num_retweets == 1) {
						item += 'One more retweet from <a href="' + reaction.retweets[0].url + '">'  + reaction.retweets[0].author_name + '</a>';
					} else {
						item += (num_retweets + ' more retweets from ');
						item += '<span id="dsq-reaction-retweets-' + reaction.id + '">';
						var n_tweets = (num_retweets > 3) ? 3 : num_retweets;
						item += Dsq.Templates.showRetweets(reaction.id, n_tweets);
						if (n_tweets != num_retweets) {
							item += '</span> <a onclick="Dsq.Templates.showRetweets(' + reaction.id + ', 0, \'dsq-reaction-retweets-' + reaction.id + '\');'
								+ 'this.parentNode.removeChild(this); return false;" href="#">Show all</a>';
						}
					}
				}
			}	
			item += '</td></tr> \
			</table> \
			</div>' // end dsq-reaction-header
			+ '<div class="dsq-comment-body"> \
				<div class="dsq-comment-message">' + reaction.body + '</div>'
			+ '</div> \
			<div class="dsq-comment-footer"> \
				<div class="dsq-comment-footer-left"> \
				</div>'
				+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator 
					? ' \
					<div class="dsq-comment-footer-right"> \
						<button class="dsq-button-small dsq-hide-reaction" onclick="Dsq.Reaction.hide(' + reaction.id + ')">Hide</button> \
					</div>'
					: '')
			+ '</div>'
		item += '</li>'; /* Reaction HTML ends */
		return item;
	};

	this.reactions = function() {
		var html, reaction;

		if (Dsq.jsonData.reactions === undefined || Dsq.jsonData.reactions.length === 0) {
			return '';
		}

		html = '';
		for (var i = 0; reaction = Dsq.jsonData.reactions[i]; i++) {
			var item = Dsq.Templates.generateReactionHTML(reaction);
			if (item) {
				html += item;
			}
		}

		if (Dsq.jsonData.has_more_reactions) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = Dsq.jsonData.reactions_start;
			var l = Dsq.jsonData.reactions_limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			html += '<li id="dsq-show-more-reactions" class="dsq-show-more-reactions"><button class="dsq-button-small" onclick="' + handler + '">Show more reactions</button></li>';
		}

		return '<h3 id="dsq-reactions-title" class="dsq-h3-reactions">Reactions</h3><ul id="dsq-reactions" class="dsq-reactions">' + html + '</ul>';
	};
	
	this._popupGeneric = function(content) {
		return ' \
		<div class="dsq-popup-container"> \
			<table> \
				<tbody> \
					<tr> \
						<td class="dsq-popup-tl"></td><td class="dsq-popup-b"></td><td class="dsq-popup-tr"></td> \
					</tr> \
					<tr> \
						<td class="dsq-popup-b"></td> \
						<td class="dsq-popup-body"> \
							<div class="dsq-popup-content"> \
								<div class="dsq-popup-title"> \
									<button class="dsq-button-small" style="float:right" onclick="Dsq.Popup._closePopup(null, true)">Close</button>' 
									+ content['header'] 
								+ '</div>'
								+ content['body']
							+ '</div> \
							<div class="powered-by"><a href="http://disqus.com/comments/">Powered by <img src="http://media.disqus.com/images/embed/disqus-logo.png" alt="Disqus Comments" style="margin-bottom:-5px" /></a></div> \
						</td> \
						<td class="dsq-popup-b"></td> \
					</tr> \
					<tr> \
						<td class="dsq-popup-bl"></td><td class="dsq-popup-b"></td><td class="dsq-popup-br"></td> \
					</tr> \
				</tbody> \
			</table> \
		</div> \
		';
	};



	
	this.chooseSubscribe = function(post_id) {

		var pid = post_id ? '-' + post_id : '';
		var menu = Dsq.$('dsq-subscribe-menu' + pid);
		
		menu.style.display = menu.style.display == 'block' ? 'none' : 'block';
		
	};
	
	this.setSubscribe = function(value, el, post_id) {

		var pid = post_id ? '-' + post_id : '';
		var input = Dsq.$('dsq-subscribe-on-post' + pid);
		var select = Dsq.$('dsq-subscribe-select' + pid);
		var menu = Dsq.$('dsq-subscribe-menu' + pid);
		
		select.innerHTML = el.innerHTML;
		input.value = value;
		this.chooseSubscribe(post_id);
	};
	
	this.getFormFields = function(post_id) {

		var fields = {};
		var pid = post_id ? '-' + post_id : '';
		var name = Dsq.$('dsq-field-name' + pid);
		var email = Dsq.$('dsq-field-email' + pid);
		var website = Dsq.$('dsq-field-website' + pid);
		var username = Dsq.$('dsq-field-username' + pid);
		var password = Dsq.$('dsq-field-password' + pid);

		fields = {
			'name': name,
			'email': email,
			'website': website,
			'username': username,
			'password': password
		}
		
		return fields;
	}
	
	this.validateFields = function(post_id) {
		
		if(Dsq.jsonData.request.is_authenticated) { return true; }
		
		var fields = Dsq.Templates.getFormFields(post_id);
		
		var nameField = fields.name;
		var websiteField = fields.website;
		var emailField = fields.email;
		
		websiteField.value = (websiteField.value == Dsq.Templates.placeholder['website']) ? '' : websiteField.value;
		
		var v = [{

			validator: Dsq.Validators.name,
			value: nameField.value
		}, {

			validator: Dsq.Validators.email,
			value: emailField.value
		}, {

			validator: Dsq.Validators.url,
			value: websiteField.value
		}];
		
		return Dsq.Validators.validate(v, function(e) { Dsq.Popup.popModal(e, 'Oops...') } );
	};
	
	this.checkExistingUser = function(post_id) {
		var fields = Dsq.Templates.getFormFields(post_id);		
		Dsq.Popup.loading(post_id);
		
		if (post_id) {
			Dsq.frames['reply_' + post_id].getUserByEmail(fields.email.value);
		} else {
			Dsq.frames['reply_0'].getUserByEmail(fields.email.value);
		}
	};

	this.validateAuth = function(el_clicked, post_id, auth_choice) {
		var fields = Dsq.Templates.getFormFields(post_id);
		var email = fields.email ? fields.email.value : '';
		var username = fields.username ? fields.username.value : '';
		var password = fields.password ? fields.password.value : '';
		
		Dsq.Templates.setLoadingButton(el_clicked, post_id);
		
		if (post_id) {
			Dsq.frames['reply_' + post_id].validateAuth(auth_choice, email, username, password);
		} else {
			Dsq.frames['reply_0'].validateAuth(auth_choice, email, username, password);
		}
	};

	this.lightboxUpdateEmail = function(post_id, new_email) {
		var fields = Dsq.Templates.getFormFields(post_id);
		fields.email.value = new_email;
	};

	this.lightboxAuthenticate = function(post_id, auth_choice, auth_data) {
		var title, body;
		var pid = post_id ? '-' + post_id : '';

		if(typeof(auth_data) == 'undefined') {
			var auth_data = Dsq.Templates.getFormFields(post_id);
		}

		d = auth_data;

		switch(auth_choice) {
			case 'register':
				var suggestedUsername = d.name.value.replace(/[^a-zA-Z0-9-]/g,'').toLowerCase();
			
				title = Dsq.jsonData.forum.allow_anon_post ? 'Optional:' : 'Required:';
				title += ' Register a <img src="http://media.disqus.com/images/embed/disqus-profile.png" alt=Disqus Profile" />';

				body = ' \
				<ul class="dsq-lightbox-register-reasons"> \
				<li>Verify your comments</li> \
				<li>Edit and delete comments</li> \
				<li>Manage comments and replies</li> \
				</ul> \
				';

				body += ' \
				<div class="dsq-lightbox-auth-fields"> \
					<table> \
						<tr> \
							<td>Email</td> \
							<td><input type="text" value="' + d.email.value + '" onchange="Dsq.Templates.lightboxUpdateEmail(' + post_id + ', this.value)" /><div id="dsq-email-errors' + pid + '"></div></td> \
						</tr> \
						<tr> \
							<td>Username</td> \
							<td><input id="dsq-field-username' + pid + '" type="text" value="' + suggestedUsername + '"/><div id="dsq-username-errors' + pid + '"></div></td> \
						</tr> \
						<tr> \
							<td>Password</td> \
							<td><input id="dsq-field-password' + pid + '" type="password" /><div id="dsq-password-errors' + pid + '"></div></td> \
						</tr> \
					</table> \
					<div class="dsq-lightbox-switch-auth"><a href="#" onclick="Dsq.Templates.lightboxAuthenticate(' + post_id + ',\'login\'); return false">Login instead</a></div> \
				</div> \
				<div id="dsq-lightbox-errors' + pid + '" class="dsq-lightbox-errors"></div> \
				<div class="dsq-lightbox-submit"> \
					<div class="dsq-lightbox-auth-post"><button class="dsq-button" onclick="Dsq.Templates.validateAuth(this, ' + post_id + ',\'' + auth_choice + '\')">Register and Post comment</button></div>'
					+ (Dsq.jsonData.forum.allow_anon_post
						? '<div class="dsq-lightbox-auth-skip"><button class="dsq-button-small" onclick="Dsq.Templates.postComment(' + post_id + ', this, true)">Just post as a Guest</button></div>'
						: '')
				+ '</div> \
				';
				break;
			case 'login':
				title = Dsq.jsonData.forum.allow_anon_post ? 'Optional:' : 'Required:';
				title += ' Login to your <img src="http://media.disqus.com/images/embed/disqus-profile.png" alt=Disqus Profile" />';
				body = '';
				
				if(d.avatar_url) {
					body += '<div class="dsq-lightbox-recognized"><table><tr>';
					body += '<td><img src="' + d.avatar_url + '" alt="" /></td>';
					body += '<td><span class="dsq-badge ' + (d.verified ? 'dsq-badge-verified' : 'dsq-badge-registered') + '">' + (d.verified ? 'Verified' : 'Registered') + '</span></td>';
					body += '<td>Hey <strong>' + d.display_name + '</strong>, is that you? Login below to claim this comment.';
					body += '</tr></table></div>';
				}

				body += ' \
				<div class="dsq-lightbox-auth-fields"> \
					<table> \
						<tr> \
							<td>Username or Email</td> \
							<td><input id="dsq-field-username' + pid + '" type="text" value="' + (d.avatar_url ? d.username : '') + '" /></td> \
						</tr> \
						<tr> \
							<td>Password <a href="http://disqus.com/forgot" target="_blank">(cannot log in?)</a></td> \
							<td><input id="dsq-field-password' + pid + '" type="password" /></td> \
						</tr> \
					</table> \
					<div class="dsq-lightbox-switch-auth"><a href="#" onclick="Dsq.Templates.lightboxAuthenticate(' + post_id + ',\'register\'); return false">Register instead</a></div> \
				</div> \
				<div id="dsq-lightbox-errors' + pid + '" class="dsq-lightbox-errors"></div> \
				<div class="dsq-lightbox-submit"> \
					<div class="dsq-lightbox-auth-post"><button class="dsq-button" onclick="Dsq.Templates.validateAuth(this, ' + post_id + ',\'' + auth_choice + '\')">Login and Post comment</button></div>'
					+ (Dsq.jsonData.forum.allow_anon_post
						? '<div class="dsq-lightbox-auth-skip"><button class="dsq-button-small" onclick="Dsq.Templates.postComment(' + post_id + ', this, true)">Just post as a Guest</button></div>'
						: '')
				+ '</div> \
				';
				break;
			default:
				break;
		}
		Dsq.Popup.lightbox(body, title, post_id);
		Dsq.$('dsq-field-username' + pid).focus();
	};
	
	this.buttonsToRestore = [];
	this.setLoadingButton = function(btn, post_id) {
		var pid = post_id ? '-' + post_id : '';
		if (btn) {

			var loadingBtn = document.createElement('button');
			loadingBtn.id = btn.id + '-loading';
			loadingBtn.innerHTML = '<img src="http://media.disqus.com/images/loading-lite.gif" alt="" /> Just a moment...';
			loadingBtn.className = btn.className + ' dsq-post-loading';
			btn.parentNode.appendChild(loadingBtn);
			btn.style.display = 'none';
			var cancelBtn = Dsq.$('dsq-cancel-button' + pid);
			if(cancelBtn) { cancelBtn.style.display = 'none'; this.buttonsToRestore.push(cancelBtn); }
			this.buttonsToRestore.push(btn);
		} else {

			var buttons = this.buttonsToRestore;
			for(var i = 0; i < buttons.length; i++) {
				buttons[i].style.display = 'inline';
				Dsq.Utils.deleteNode(Dsq.$(buttons[i].id + '-loading'));
			}
		}
		
	};

	this.postComment = function(post_id, el_clicked, force, auth_choice) {
		var append_id = post_id ? '-' + post_id : '';
		var fields = Dsq.Templates.getFormFields(post_id);

		if (Dsq.Templates.validateFields(post_id)) {

			if (!Dsq.jsonData.request.is_authenticated && !force &&
				((!Dsq.Utils.readCookie('skipped_auth') && !disqus_skip_auth && !Dsq.jsonData.forum.disqus_auth_disabled) || !Dsq.jsonData.forum.allow_anon_post)) {
				Dsq.Templates.checkExistingUser(post_id);
				return false;
			}
			var params = [];
			if (!Dsq.jsonData.request.is_authenticated) {
				params.push(fields.name.value,
					fields.email.value,
					fields.website.value);

				if (auth_choice == 'login' || auth_choice == 'register') {
					params.push({
						auth_choice: auth_choice,
						username: fields.username.value,
						password: fields.password.value,
						email: fields.email.value
					});
				} else {
					params.push(null);
				}

				params.push(null /* sharing options */, Dsq.$('dsq-subscribe-on-post' + append_id).value);
			} else {
				var service_checked = function(name) {
					var el = Dsq.$('dsq-sharing-' + name + append_id);
					return (el !== null && el.checked === true) ? '1' : '0';
				};
				params.push(null, null, null, null, {
					tw: service_checked('twitter'),
					fb: service_checked('facebook'),
					tr: service_checked('tumblr'),
					wp: service_checked('wordpress'),
					mt: service_checked('movabletype'),
					tp: service_checked('typepad'),
					yh: service_checked('yahoo')
				});
			}

			var frame = Dsq.frames['reply_' + (post_id ? post_id : 0)];
			frame.post.apply(frame, params);

			if (el_clicked) {
				Dsq.Templates.setLoadingButton(el_clicked, post_id);
			}
			
			if (force) {
				Dsq.Utils.createCookie('skipped_auth', true);	
			}
			
		} else {
			return false;
		}
	};

	this.editComment = function(el_clicked, post_id) {
		var edited_message = Dsq.$('dsq-edit-textarea-' + post_id).value;

		Dsq.Templates.setLoadingButton(el_clicked, post_id);
		Dsq.frames['edit_' + post_id].edit(post_id, edited_message);
	};

	this.toggleEdit = function(post_id) {
		var body = Dsq.$('dsq-comment-body-' + post_id);
		var message = Dsq.$('dsq-comment-message-' + post_id);

		if (!Dsq.Post.stateEditToggled[post_id]) {


			message.style.display = 'none';
			if (Dsq.$('dsq-edit-' + post_id)) {
				Dsq.$('dsq-edit-' + post_id).style.display = 'block';
			} else {

				var edit_area = document.createElement('div');
				edit_area.id = 'dsq-edit-' + post_id;
				edit_area.className = 'dsq-edit dsq-textarea';
				edit_area.innerHTML = ' \
				<div class="dsq-textarea-wrapper"> \
					<textarea class="dsq-edit-textarea" id="dsq-edit-textarea-' + post_id + '">' + message.innerHTML + '</textarea> \
				</div> \
				<div class="dsq-save-edit"> \
					<button onclick="Dsq.Templates.editComment(this, ' + post_id + ')" class="dsq-button-small">Save Edit</button> \
				</div> \
				<div id="dsq-edit-iframe-' + post_id + '" style="display: none"></div> \
				';

				body.appendChild(edit_area);

				if (!Dsq.frames['edit_' + post_id]) {
					var _meta = Dsq.jsonData.posts[post_id];
					Dsq.frames['edit_' + post_id] = new Dsq.ReplyFrame(Dsq.$('dsq-edit-iframe-' + post_id), post_id);
					Dsq.frames['edit_' + post_id].init();
					Dsq.frames['edit_' + post_id].setState(post_id, _meta.depth);
				}
			}
		} else {

			message.style.display = 'block';
			Dsq.$('dsq-edit-' + post_id).style.display = 'none';
		}
		
		Dsq.Post.stateEditToggled[post_id] = !Dsq.Post.stateEditToggled[post_id];
	};
	
	this.edit = function(el, post_id) {

		Dsq.Templates.toggleEdit(post_id);
	};

	this.toggleReply = function(post_id, button) {
		
		if(!this.stateReplyToggled[post_id]) {

			if (Dsq.$('dsq-reply-post-' + post_id)) {
				Dsq.$('dsq-append-post-' + post_id).style.display = 'block';
			} else {
				Dsq.$('dsq-append-post-' + post_id).innerHTML = Dsq.Templates.postBox(post_id);
				var container = Dsq.$('dsq-textarea-wrapper-' + post_id);
				if (!Dsq.frames['reply_' + post_id] && container) {
					var _meta = Dsq.jsonData.posts[post_id];
					Dsq.frames['reply_' + post_id] = new Dsq.ReplyFrame(container, post_id);
					Dsq.frames['reply_' + post_id].init(function() {

						Dsq.$('dsq-append-post-' + post_id).innerHTML = Dsq.Templates.postBox(post_id, true);
						Dsq.$('dsq-form-area-' + post_id).innerHTML = '';

						var theme = (typeof disqus_frame_theme == 'undefined') ? 'default' : disqus_frame_theme;
						Dsq.Iframes.showReplyIframeInContainer(Dsq.$('dsq-form-area-' + post_id), post_id, {theme: theme});

					});
					Dsq.frames['reply_' + post_id].setState(post_id, _meta.depth);
				}
			}
			Dsq.$('dsq-append-post-' + post_id).className = 'dsq-append-post';
			Dsq.$('dsq-comment-footer-reply-' + post_id).className = 'dsq-comment-footer-reply-active';
			
		} else {

			Dsq.$('dsq-append-post-' + post_id).style.display = 'none';
			Dsq.$('dsq-append-post-' + post_id).className = '';
			Dsq.$('dsq-comment-footer-reply-' + post_id).className = 'dsq-comment-footer-reply';
		}
		
		this.stateReplyToggled[post_id] = !this.stateReplyToggled[post_id];

		if(Dsq.Utils.ie && this.stateReplyToggled[post_id]) {

		}

		Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_TOGGLED, {
			postId: post_id,
			opened: this.stateReplyToggled[post_id]
		});
	};
	
	this.moderateOptions = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		
		if(!Dsq.jsonData.request.is_moderator && !Dsq.jsonData.request.is_global_moderator) { return false; }

		var html;
		
		html = ' \
		<div class="dsq-moderate-options"> \
		<table>'
		+ (_meta.email ? '<tr><td>Email</td><td>' + _meta.email + '</td></tr>' : '')
		+ (_meta.ip ? '<tr><td>IP address</td><td>' + _meta.ip + '</td></tr>' : '')
		+ '<tr> \
			<td>Actions</td> \
			<td><ul>'
			+ (Dsq.jsonData.request.moderator_can_edit
				? '<li><a href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); Dsq.Popup._closePopup(null, true); return false;">Edit Comment</a></li>'
				: '')
			+ '<li><a href="#" onclick="Dsq.Post.removePost(' + post_id + ', 1); Dsq.Popup._closePopup(null, true); return false;">Delete Comment</a></li> \
			<li><a href="#" onclick="Dsq.Post.reportSpam(' + post_id + '); Dsq.Popup._closePopup(null, true); return false;">Mark Spam</a></li> \
			<li><a href="#" onclick="Dsq.Popup.blacklist(' + post_id + '); return false">Block User</a></li> \
			</ul></td> \
			</table> \
		</div> \
		';
		
		html += '<p>Go to the full <a href="http://disqus.com/comments/moderate/" target="_blank">moderate panel</a> for more options.</p>';
		
		return Dsq.Popup.popModal(html, 'Moderate Options', post_id);
	};
	
	this.placeholder = {
		'class': 'dsq-placeholder',
		'name': Dsq.Strings.NAME,
		'email': Dsq.Strings.EMAIL,
		'website': Dsq.Strings.WEBSITE + ' (' + Dsq.Strings.OPTIONAL.toLowerCase() + ')'
	};
	
	this.handlePlaceholder = function(evt, el, key) {
		var placeholder = Dsq.Templates.placeholder[key];
		var className = Dsq.Templates.placeholder['class'];
		
		switch(evt.type) {
			case 'focus':
				if(el.value == placeholder) {
					el.value = '';
					el.className = '';
				}
				break;

			case 'blur':
				if(el.value == '') {
					el.value = placeholder;
					el.className = className;
				}
				break;
			default:
				break;
		}
	};
	
	this.paginate = function(page, el_clicked) {

		var extra_params = '';

		if(typeof disqus_per_page != 'undefined') {
			extra_params += '&per_page=' + disqus_per_page;
		}
		if(typeof disqus_sort != 'undefined') {
			extra_params += '&sort=' + disqus_sort;
		}

		Dsq.$('dsq-pagination').innerHTML += '<img src="http://media.disqus.com/images/loading-small.gif">';
		
		if(el_clicked) {
			Dsq.Templates.setLoadingButton(el_clicked);
		}
		
		Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/thread.js'
			+ '?slug='	+ 'bad_implementation_high_speed_mortgage_payoffs'
			+ '&p='		+ page
			+ extra_params);
	};
	
	
	this.rate = function(el, id, vote) {


		if(Dsq.jsonData.request.is_authenticated || Dsq.jsonData.forum.allow_anon_votes) {
			if(vote == 1) {
				Dsq.$('dsq-like-' + id).innerHTML = '<img src="http://media.disqus.com/images/loading-small.gif">';
			}
			Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/vote.js'
				+ '?post_id='    + id
				+ '&vote='        + vote);
		} else {
			Dsq.Popup.login('To rate, please log in');
		}
	};

	this.voted = function(post_id, points, vote) {

		Dsq.$('dsq-like-pts-' + post_id).innerHTML = points + Dsq.Utils.pluralize(points, ' person', ' people') + ' liked this.';

		if(vote) {
			Dsq.$('dsq-like-' + post_id).innerHTML = 'You liked this.&nbsp;&nbsp;';
		}
	};




	this.postComment_onSuccess = function(response, parent_post_id, post_id) {
		var approved = response.message.post_meta.approved;

		if (parent_post_id) {
			Dsq.Post.toggleReply(parent_post_id);
		}

		Dsq.Popup._closePopup(null, true);
		
		if (approved) {
			Dsq.Post.incrementPostCount();
			Dsq.Post.outlineComment(post_id);
		} else {			
			var unapproved_msg = 'Thanks for posting!\
	 Your comment must be approved by a moderator before appearing here.\
			';
			Dsq.Popup.popModal(unapproved_msg, 'Comment awaiting approval', post_id);
		}

		var sharing_results = response.message.sharing_results;
		var sharing_errors = '';
		for (var service in sharing_results) {
			if (sharing_results.hasOwnProperty(service) === true) {
				if (sharing_results[service].error === true) {
					sharing_errors += service + ', ';
				}
			}
		}

		if (sharing_results.facebook && sharing_results.facebook.callback) {
			FB.ensureInit(function() {
				FB.Connect.streamPublish('', sharing_results.facebook.attachment);
			});
		}

		if (sharing_errors !== '') {
			var message = 'Your comment was posted, but there were errors sharing with the following connections: ';
			message += sharing_errors.replace(/,\s$/, '');
			message += '<p><a href="' + Dsq.jsonData.settings.disqus_url + '/profile/connections" target="_blank">Configure your connections here</a></p>'
			Dsq.Popup.popModal(message, 'Sharing options');
		}

		Dsq.Templates.setLoadingButton(false);
	};

	this.postComment_onFailure = function(response, parent_post_id, post_id) {

		Dsq.Templates.setLoadingButton(false);
	};
};




// TODO: It might be faster to use string methods to find all <li (...) </li> blocks and pass to Dsq.PostHandler manually.
Dsq.CommentsHandler = function(str, head, post_id, content, tail, offset, s) {
	var prepend_post = Dsq.Templates.prependPost(post_id);
	var append_post = Dsq.Templates.appendPost(post_id);

	content = content.replace(Dsq.POST_RE, Dsq.PostHandler);
	Dsq.Templates.postLoopCounter++;
	head = Dsq.Templates.Filters.commentContainer(post_id, head);
	return prepend_post + head + content + tail + append_post;
};

Dsq.PostHandler = function(str, h_head, post_id, h_content, h_tail, b_head, b_content, b_tail, offset, s) {
	var prepend_header = Dsq.Templates.postPrependHeader(post_id);
	var append_header = Dsq.Templates.postAppendHeader(post_id);
	var prepend_body = Dsq.Templates.preBody(post_id);
	var append_body = Dsq.Templates.postBody(post_id);
	var append_footer = Dsq.Templates.postFooter(post_id);

	b_content = b_content.replace(Dsq.POST_BODY_RE, Dsq.PostBodyHandler);
	return h_head + prepend_header + h_content + append_header + h_tail + b_head + prepend_body + b_content + append_body + b_tail + append_footer;
};

Dsq.PostBodyHandler = function(str, head, post_id, content, tail, offset, s) {
	content = Dsq.Templates.Filters.commentContent(post_id, content);
	return head + content + tail;
};

Dsq.MediaPostHandler = function(str, args, offset, s) {
	args = args.split(' ');
	if(args[0] == 'seesmic') {
		return '<br />' + Dsq.Templates.mediaSeesmic(args[1], args[2]);
	}
	return '';
};


/**
 * Shorcuts
 */
Dsq.$ = function(element) { return document.getElementById(element); };
Dsq.$b = document.body || document.getElementsByTagName('body')[0];


/**
 * Dsq.Debug: Logging functions.
 */

Dsq.Debug = new function() {this.log=function(s){};this.profile=function(f){if(typeof f == 'function')return f();else return eval(f);};};


/**
 * Dsq.Urls: URL paths
 */
Dsq.Urls = new function() {
	this.LOGIN = '/profile/login/';
	this.LOGOUT = '/logout/';
	this.REPLY = 'http://consumerismcommentary.disqus.com/bad_implementation_high_speed_mortgage_payoffs/reply.html';
	this.REQUEST_USER_PROFILE = '/AnonymousUser/';
	this.REQUEST_USER_AVATAR = 'http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg';
};
// Dsq.Urls

/**
 * Dsq.Validators: Validation for form fields
 */
Dsq.Validators = new function() {
	this.VALID_EMAIL_RE = /^[a-z0-9\-\_\+]+(\.[a-z0-9\-\_\+]+)*\@(([a-z0-9\-\_\+]+(\.[a-z0-9\-\_\+]+)*)+\.[a-z]{2,}|([0-9]+\.){3}[0-9]+)$/i;
	this.name = function(name) {
		var error = false;

		if(typeof Dsq.Templates.placeholder !== 'undefined' &&
		   name == Dsq.Templates.placeholder.name) {
			error = true;
		}
		if(name.length <= 1) {
			error = true;
		}

		if(error) {
			return "Please enter a name to comment.";
		} else {
			return true;
		}
	};
	this.email = function(addr) {
		if(Dsq.Validators.VALID_EMAIL_RE.test(addr)) {
			return true;
		} else {
			return "Please enter a valid email to comment.";
		}
	};
	this.url = function(addr) {
		if(!addr || addr.indexOf('.') != -1) {
			return true;
		} else {
			return "Please check your website URL (this field is optional).";
		}
	};

	this.validate = function(bulk_validation, failure_callback) {
		failure_callback = failure_callback || function(e){ alert(e); };

		for(var i = 0; i < bulk_validation.length; i++) {
			v = bulk_validation[i];
			ret = v.validator(v.value);
			if(ret !== true) {
				failure_callback(ret);
				return false;
			}
		}
		return true;
	};
};

/**
 * Dsq.Utils: Generic utility functions.
 */
Dsq.Utils = new function() {
	this.ie = /msie/i.test(navigator.userAgent) && !/opera/i.test(navigator.userAgent);
	this.ie7 = (document.all && !window.opera && window.XMLHttpRequest) ? true : false;
	this.ie6 = (!window.XMLHttpRequest) ? true: false;
	this.webkit = navigator.userAgent.indexOf('AppleWebKit/') >= 0;
	this.gebiFromElementCollectionCache = {};
	this._styleSheet = null;

	this.gebiFromElement = function(el, id, tag) {
		// This only method only helps IE.
		if(!this.ie) {
			return Dsq.$(id);
		} else {
			var cacheKey = el.id + '-' + tag;
			tag = tag || 'div';
			if(typeof this.gebiFromElementCollectionCache[cacheKey] != 'undefined') {
				collection = this.gebiFromElementCollectionCache[cacheKey];
			} else {
				collection = el.getElementsByTagName(tag);
				this.gebiFromElementCollectionCache[cacheKey] = collection;
			}

			for(var i = 0; i < collection.length; i++) {
				if(collection[i].id == id) {
					return collection[i];
				}
			}
			return null;
		}
	};

	this.execOnReady = function(func) {
		var node = document.createElement('document:ready');
		try {
			node.doScroll('left');
			func();
			node = null;
		} catch(err) {
			setTimeout(function() { Dsq.Utils.execOnReady(func); }, 10);
		}
	};


	// Courtesy of http://www.quirksmode.org/js/cookies.html
	this.createCookie = function(name,value,days) {
		if (days) {
			var date = new Date();
			date.setTime(date.getTime()+(days*24*60*60*1000));
			var expires = "; expires="+date.toGMTString();
		}
		else var expires = "";
		document.cookie = name+"="+value+expires+"; path=/";
	};

	this.readCookie = function(name) {
		var nameEQ = name + "=";
		var ca = document.cookie.split(';');
		for(var i=0;i < ca.length;i++) {
			var c = ca[i];
			while (c.charAt(0)==' ') c = c.substring(1,c.length);
			if (c.indexOf(nameEQ) == 0) return c.substring(nameEQ.length,c.length);
		}
		return null;
	};

	this.eraseCookie = function(name) {
		Dsq.Utils.createCookie(name,"",-1);
	};

	this.deleteNode = function(node) {
		if(node) {
			this.deleteChildren(node);
			if(typeof node.outerHTML != 'undefined') { node.outerHTML = ''; }
			else if(node.parentNode) { node.parentNode.removeChild(node); }
			delete node;
		}
	};

	this.deleteChildren = function(node) {
		if(node) {
			for(var x = node.childNodes.length-1; x >= 0; x--) {
				var childNode = node.childNodes[x];
				if(childNode.hasChildNodes()) { this.deleteChildren(childNode); }
				if(typeof childNode.outerHTML != 'undefined') { childNode.outerHTML = ''; }
				else node.removeChild(childNode);
				delete childNode;
			}
		}
	};

	this.findPos = function(obj) {
		var curleft = 0;
		var curtop = 0;
		if (obj.offsetParent) {
			do {
				curleft += obj.offsetLeft;
				curtop += obj.offsetTop;
			} while (obj = obj.offsetParent);
		}
		return [curleft,curtop];
	};

	this.getWindowSize = function() {
		var windowWidth = -1;
		var windowHeight = -1;

		if(typeof(window.innerWidth) == 'number') { //Non-IE
			windowWidth = window.innerWidth;
			windowHeight = window.innerHeight;
		} else if(document.documentElement) { // IE 6+ in 'standards compliant mode'
			windowWidth = document.documentElement.clientWidth || document.body.clientWidth;
			windowHeight = document.documentElement.clientHeight || document.body.clientHeight;
		}

		return [windowWidth, windowHeight];
	}

	this.getScrollPos = function() {
		var scrollWidth, scrollTop;

		if(document.documentElement && (document.documentElement.scrollTop || document.documentElement.scrollWidth)) {
			scrollWidth = document.documentElement.scrollWidth;
			// IE is weird here.  If no doctype is provided, document.body.scrollTop is 0,
			// otherwise document.documentElement.scrollTop is 0.
			scrollTop = document.documentElement.scrollTop || document.body.scrollTop;
		} else if(document.body.scrollTop && document.body.scrollWidth) {
			scrollWidth = document.body.scrollWidth;
			scrollTop = document.body.scrollTop;
		}

		return [scrollWidth, scrollTop];
	}

	this.addEventListener = function(instance, eventName, listener) {
		var listenerFn = listener;
		if (instance.addEventListener) {
			instance.addEventListener(eventName, listenerFn, false);
		} else if (instance.attachEvent) {
			listenerFn = function() {
				listener(window.event);
			};
			instance.attachEvent("on" + eventName, listenerFn);
		} else {
			throw new Error("Event registration not supported");
		}
		return {
			instance: instance,
			name: eventName,
			listener: listenerFn
		};
	};

	this.removeEventListener = function(event) {
		var instance = event.instance;
		if (instance.removeEventListener) {
			instance.removeEventListener(event.name, event.listener, false);
		} else if (instance.detachEvent) {
			instance.detachEvent("on" + event.name, event.listener);
		}
	};

	this.fixIframesIE = function(id) {
		var disqusThread = Dsq.$(disqus_container_id);
		var iframes = disqusThread.getElementsByTagName('iframe');

		if(id) {
			var container = Dsq.$(id);
		} else {
			var container = Dsq.$('dsq-content');
		}

		for(i = 0; i < iframes.length; i++) {
			if (container) {
				iframes[i].style.width = container.offsetWidth;
			}
		}
	};

	this.getElementsByClassName = function(oElm, strTagName, strClassName) {
	/* Credit: Jonathan Snook [http://www.snook.ca/jonathan], Robert Nyman [http://www.robertnyman.com] */
		var arrElements = (strTagName == "*" && oElm.all)? oElm.all : oElm.getElementsByTagName(strTagName);
		var arrReturnElements = new Array();
		strClassName = strClassName.replace(/\-/g, "\\-");
		var oRegExp = new RegExp("(^|\\s)" + strClassName + "(\\s|$)");
		var oElement;
		for(var i = 0; i < arrElements.length; i++) {
			oElement = arrElements[i];
			if(oRegExp.test(oElement.className)) {
				arrReturnElements.push(oElement);
			}
		}
		return (arrReturnElements);
	};

	this.postToUrl = function(url, post_data, opt_redirect) {
		var form = document.createElement('form');
		var iframe_container = document.createElement('div');
		var id = 'dsq-temp-iframe-' + (new Date()).getTime();

		form.method = 'POST';
		form.action = url;
		if (!opt_redirect) {
			form.target = id;
		}
		iframe_container.innerHTML = '<iframe style="display:none" name="' + id + '" id="' + id + '"></iframe>';

		for(var key in post_data) {
			if(post_data.hasOwnProperty(key)) {
				var input = document.createElement('input');
				input.name = key;
				input.type = 'hidden';
				input.value = post_data[key];

				form.appendChild(input);
			}
		}

		Dsq.$b.appendChild(iframe_container);
		Dsq.$b.appendChild(form);
		form.submit();
	};

	// Strips integer id from id of element in the form ('some-id-###')
	this.extractId = function(e) {
		var chunks = e.id.split('-');
		if(chunks.length <= 1) {
			return 0;
		} else {
			return parseInt(chunks[chunks.length-1]);
		}
	};

	this.getStyle = function(el, styleProp) {
		if(el.currentStyle) {
			var y = el.currentStyle[styleProp];
		} else if(window.getComputedStyle) {
			var y = document.defaultView.getComputedStyle(el, null).getPropertyValue(styleProp);
		}

		if(y == 'transparent' || y == '') {
			this.getStyle(el.parentNode, styleProp);
		} else {
			return y;
		}
	};

	this.execScript = function(url, append_qs, container) {
		var script = document.createElement('script');
		append_qs = typeof append_qs == 'undefined' ? true : append_qs;
		container = container || Dsq.container;

		if(append_qs) {
			var j = (url.indexOf('?') >= 0) ? '&' : '?';
			url += j + (new Date()).getTime();
		}
		script.type = 'text/javascript';
		script.charset = 'UTF-8';
		script.src = url;
		container.appendChild(script);
		return script;
	};

	this.pluralize = function(num, singular, plural) {
		return (num != 1) ? plural || 's' : singular || '';
	};

	this.getRequestParams = function(queryString /* optional */) {
		var pairs, tuple;
		var params = {};

		queryString = queryString || window.location.search.substring(1);
		pairs = queryString.split('&');

		for (var i = 0, pair; pair = pairs[i]; i++) {
			tuple = pair.split('=');
			params[tuple[0]] = (tuple[1] || true);
		}

		return params;
	};

	this.addCssRule = function(selector, styleText, index) {
		var stylesheet;
		index = index || 0;

		if(!this._styleSheet) {
			var styleEl = document.createElement('style');
			document.getElementsByTagName('head')[0].appendChild(styleEl);
			this._styleSheet = styleEl.sheet;
			if(!this._styleSheet) {
				// IE does not like our newly created stylesheet.
				this._styleSheet = document.styleSheets[document.styleSheets.length-1];
			}
		}
		stylesheet = this._styleSheet;

		if(stylesheet.insertRule) {
			var ruleText = selector + ' { ' + styleText + ' }';
			if(index == -1) {
				index = stylesheet.cssRules.length;
			}
			stylesheet.insertRule(ruleText, index);
		} else if(stylesheet.addRule) {
			stylesheet.addRule(selector, styleText, index);
		}
	};

	this.forEachIn = function(obj, callback) {
		for(var key in obj) {
			if(obj.hasOwnProperty(key)) {
				callback(key, obj[key]);
			}
		}
	};

	this._interpolateGlobalContext = {
		// values that get used a lot and are global to the request
		'profile_url': Dsq.Urls.REQUEST_USER_PROFILE,

		'disqus_url': Dsq.jsonData.settings.disqus_url,
		'media_url': Dsq.jsonData.settings.media_url,
		'request_username': Dsq.jsonData.request.username,
		'request_display_username': Dsq.jsonData.request.display_username,
		'forum_name': Dsq.jsonData.forum.name
	};

	this.renderFromContextStack = function(key, contexts) {
		// Returns the first instance of `key` in the array of objects `contexts` or else ''
		for (var i=0; i<contexts.length; i++) {
			if (contexts[i][key] !== undefined) {
				return String(contexts[i][key]);
			}
		}
		throw new Error('key ' + key + ' not found in context');
	};

	var that = this;
	this.interpolate = function(fmt, opt_localContext) {
		// Interpolate `fmt` named-format string with an assumed global context.
		// Based on `interpolate` in django.views.i18n
		var contextStack = [opt_localContext || {}, that._interpolateGlobalContext];
		return fmt.replace(/%\(\w+\)s/g, function(match){
			return that.renderFromContextStack(match.slice(2,-2), contextStack);
		});
	};

	this.stripTags = function(s) {
		// Removes HTML tags from `s`
		return s.replace(/(<([^>]+)>)/g,"");

	};

	this.assert = function(b) {
		if (!b) {
			throw new Error('Assertion error.');
		}
	};

};
// Dsq.Utils

/**
 * Dsq.Popup: Popup helper functions.
 */
Dsq.Popup = new function() {
	this.timeHide = new Array();
	this.timeShow = new Array();
	this.activePopup = {};
	this.profileCache = {};
	this.statusCache = {};

	this.showTimer = function(post_id) {
		// clear the hide timer
		clearTimeout(this.timeHide[post_id]);

		// start the timer
		if(!Dsq.Popup.profileIsOn && !Dsq.Thread.adminIsOn) {
			this.timeShow[post_id] = setTimeout("Dsq.Popup.popProfile(\"" + post_id + "\")", 400);
		}
	};

	this.hideTimer = function(post_id) {
		// clear the show timer
		clearTimeout(this.timeShow[post_id]);
	};

	this.updateProfile = function(username) {
		// Callback from /embed/profile.js
		if (this.statusCache[username]) {
			var statusEl = Dsq.$('dsq-profile-status-' + username);
			statusEl.innerHTML = this.statusCache[username];
			statusEl.style.display = 'block';
		}

		if (this.profileCache[username]) {
			var _cache = this.profileCache[username];

			var _genhtml = function(text) { return '<span><big>' + text + '</big></span>'; };
			var _no_comments = _genhtml(Dsq.FmtStrings.NUMBER_OF_COMMENTS(_cache.comments_count));
			var _no_likes = _genhtml(Dsq.FmtStrings.NUMBER_OF_LIKES(_cache.likes_count));
			var _no_points = _genhtml(Dsq.FmtStrings.NUMBER_OF_POINTS(_cache.points));

			var statsEl = Dsq.$('dsq-popup-profile-user-stats-' + username);
			statsEl.innerHTML = '';

			if (Dsq.jsonData.users[username].registered) {
				statsEl.innerHTML = _no_comments + _no_likes;
			}
			statsEl.innerHTML += _no_points;

			var activeSites = '';
			for (var i = 0; i < _cache.active_sites.length; i++) {
				var site = _cache.active_sites[i];
				activeSites += '<li><a href="' + site.url + '"> \
					<img src="' + site.favicon + '"/ width="16" height="16"/></a>\
					<a href="' + site.url + '">' + site.name + '</a></li>';
			}
			if (activeSites !== '') {
				Dsq.$('dsq-popup-profile-active-sites-' + username).innerHTML = activeSites;
			} else {
				Dsq.$('dsq-popup-profile-active-sites-' + username).innerHTML = 'This site.';
			}

			var moderatedSites = '';
			for (var i = 0; i < _cache.moderated_sites.length; i++) {
				var site = _cache.moderated_sites[i];
				moderatedSites += '<li><a href="' + site.url + '"> \
					<img src="' + site.favicon + '"/ width="16" height="16"/></a>\
					<a href="' + site.url + '">' + site.name + '</a></li>';
			}
			if (moderatedSites !== '') {
				Dsq.$('dsq-popup-profile-moderated-' + username).innerHTML = moderatedSites;
			} else {
				Dsq.$('dsq-popup-profile-moderated-wrapper-' + username).innerHTML = '';
			}
		}

		// Reposition popup after full HTML is rendered
		if(Dsq.Popup.activePopup && Dsq.Popup.activePopup.el) {
			Dsq.Popup.initPopup(Dsq.Popup.activePopup.el, Dsq.Popup.activePopup.id, Dsq.Popup.activePopup.type);
		}

	};

	this.showCookieMsgs = function() {
		var title = '';
		var message = '';
		var numAlerts = 0;

		Dsq.Utils.forEachIn(Dsq.jsonData.cookie_messages, function(k, v) {
			if (!v) return;

			switch(k) {
				// Cookie: Twitter
				case 'post_twitter':
					if (v === 'error') {
						title = 'Twitter Error!';
						message += '<li id="dsq-msg-twitter-error">Oops, we couldn\'t tweet this comment. Please check your <a href="http://disqus.com/account/services">account settings</a>.</li>';
					} else {
						var _msg = v.split(':');
						title = 'Tweeted!';
						message += '<li id="dsq-msg-twitter-success">Your comment was successfully tweeted. <a href="http://twitter.com/' + _msg[0] + '/status/' + _msg[1] + '">Click here to view the tweet</a>.</li>';
					}
					break;
				// Cookie: Unapproved Post
				case 'post_not_approved':
					title = 'Comment awaiting approval by a moderator';
					message += '<li id="dsq-msg-post-not-approved">Your comment must be approved by a moderator before appearing here.</li>';
					break;
				// Cookie: Profile Found
				case 'post_has_profile':
					title = 'Use your existing commenter profile';
					message += '<li id="dsq-msg-post-has-profile">You have just posted your commment as a <span class="dsq-badge-guest">Guest</span>, but you may already have a <span class="logo-disqus">Disqus</span> Profile.<br /><br /><a href="http://disqus.com/claim">Log in and claim this comment!</a></li>';
					break;
				case 'user_created':
					var _data = v.split(':');
					title = 'Profile created!';
					message += '<li id="dsq-msg-user-created">You have just created a <span class="logo-disqus">Disqus</span> Profile, the best way to claim, manage, and track your comments all over the web. \
					<br /><br />A confirmation is being sent to <strong>' + _data[1] + '</strong>. Please check for this email in order to verify your profile. \
					<ul class="dsq-list-tick"> \
						<li>Your username is <strong>' + _data[0] +'</strong>. <a href="http://disqus.com/people/' + _data[0] + '/" target="_blank">Click here to view your public profile</a>.</li> \
						<li>Be sure to set your profile picture, as well as connect your <span class="dsq-badge-facebook">Facebook</span> and <span class="dsq-badge-twitter">Twitter</span> accounts. <a href="http://disqus.com/account/" target="_blank">Click here for account settings</a>.</li> \
					</ul> \
					</li>'
					break;
				default:
					break;
			}
			numAlerts++;
		});

		if(numAlerts > 1) {
			message = '<ul class="dsq-list-bluebullet">' + message;
			message += '</ul>';
			title = 'Thanks for posting!';
		}
		if(numAlerts > 0) {
			if(typeof(disqus_cookie_msgs) == 'function') {
				disqus_cookie_msgs(message, title);
			} else {
				Dsq.Popup.popModal(message, title);
			}
		}
	};

	this.helpBadges = function(post_id) {
		var html = ' \
			<ul class="dsq-popup-help"> \
				<li><span class="dsq-badge dsq-badge-verified">Verified</span> has a <span class="logo-disqus">Disqus</span> Profile with a confirmed email address.</li> \
				<li><span class="dsq-badge dsq-badge-registered">Registered</span> has a <span class="logo-disqus">Disqus</span> Profile, but has not yet confirmed his or her email address.</li> \
				<li><span class="dsq-badge dsq-badge-guest">Guest</span> is not logged in with any account and has not claimed his or her comments.</li> \
				<li class="dsq-help-otheraccts">Other accounts</li> \
				<li><span class="dsq-badge dsq-badge-facebook">Facebook</span> is using his or her Facebook profile via Facebook Connect.</li> \
				<li><span class="dsq-badge dsq-badge-twitter">Twitter</span> is using his or her Twitter profile via Twitter Sign-in.</li> \
				<li><span class="dsq-badge dsq-badge-openid">OpenID</span> is using his or her OpenID.</li> \
			</ul> \
		';

		this.popModal(html, 'Help: Types of Commenters', post_id);
		return;
	};

	this.permalink = function(post_id) {
		var header = 'Link to this comment';
		var body = '<strong>You are anchored to</strong>:<br />' + document.location.protocol + '//' + document.location.host + document.location.pathname + document.location.search + '#comment-' + post_id;

		this.popModal(body, header, post_id);
	};

	this.login = function(header, body) {
		var h = header || 'Login or Register';
		var b = body || '';
		b += Dsq.Templates.frameLogin({id: 'dsq-popup-login'});
		b += '</iframe>'; // HACK: Sometimes there is something funky with the IFRAME SRC that causes no end tag
		this.popModal(b, h, null, true, 'dsq-popup-login');
	};

	this.blacklist = function(id) {
		var _meta = Dsq.jsonData.posts[id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		var title = 'Add to Blacklist';
		var message = ' \
		Adding this person to the blacklist will block him or her from commenting on this site. Check the following types that you would like to add to the blacklist:'
		+ (userData['registered'] ?
			'<div class="dsq-blacklist-option"> \
				<input id="dsq-blacklist-username" type="checkbox" checked> \
				<label for="dsq-blacklist-username"><strong>Username</strong>: ' + userData['username'] + '</label> \
			</div>'
			: '')
		+ (_meta.email ?
			'<div class="dsq-blacklist-option"> \
				<input id="dsq-blacklist-email" type="checkbox" checked> \
				<label for="dsq-blacklist-email"><strong>Email address</strong>: ' + _meta.email + '</label> \
			</div>'
			: '')
		+ '<div class="dsq-blacklist-option"> \
			<input id="dsq-blacklist-ip" type="checkbox" onclick="Dsq.$(\'dsq-blacklist-ip-warning\').style.display=\'block\'"> \
			<label for="dsq-blacklist-ip"><strong>IP address</strong>: ' + _meta.ip + '</label> \
		</div> \
		';

		message += ' \
			<p id="dsq-blacklist-ip-warning" style="display:none">	\
				Note: Blocking this person\'s IP address may also unintentionally prevent others, who share his/her IP address, from commenting on this site. \
				This may include people who are sharing the same computer, living in the same house, or using the same Internet provider. Only block an IP address as a last resort. \
			</p> \
		';

		message += ' \
			<p style="text-align:center"><button onclick="Dsq.Post.blockUser(' + id + '); this.disabled=true; this.innerHTML=\'Just one moment...\'">Add to Blacklist</button></p> \
		';

		Dsq.Popup.popModal(message, title);
	};

	this.remoteAccountSettings = function() {
		var body = '';
		// Set up IFrame.
		var params = {};
		var base_url = 'http://disqus.com/forums/consumerismcommentary/_auth/embed/remote_settings/';
		var attributes = {id: 'dsq-popup-account-settings'};
		if (typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}

		body = Dsq.Templates._frameGeneric(base_url, params, attributes);
		this.popModal(body, 'Account Settings', null, true, 'dsq-popup-account-settings');
	};

	this.popModal = function(message, title, post_id, use_listener, extra_classes) {
		var container = document.createElement('div');
		var header, body;

		Dsq.Popup._closePopup(null, true);

		if(typeof(title) == 'undefined') { title = ''; }
		if(typeof(use_listener) == 'undefined') { use_listener = true; }

		if(post_id) {
			container.id = 'dsq-popup-message-' + post_id;
		} else {
			container.id = 'dsq-popup-message';
		}

		header = title;
		body = message;

		container.innerHTML = Dsq.Templates.popupModal(header, body);
		Dsq.Popup.initPopup(container, post_id, 'message', extra_classes);
		if(use_listener) {
			Dsq.Popup.popupListener = Dsq.Utils.addEventListener(document, 'mouseup', Dsq.Popup._closePopup);
		}
	};

	this.popAlert = this.popModal;

	this.loading = function(post_id) {
		var title = Dsq.Strings.JUST_A_MOMENT;
		var body = '<div style="text-align:center; padding: 5px 0 10px 0"><img src="http://media.disqus.com/images/loading.gif" alt="" /></div>'
		Dsq.Popup.lightbox(body, title, post_id);
	};

	this.lightbox = function(message, title, post_id) {
		// Wraps Dsq.Popup.popModal

		var overlay = document.createElement('div');
		overlay.id = 'dsq-overlay';
		overlay.className = 'dsq-overlay';
		Dsq.$b.appendChild(overlay);
		
		Dsq.Popup.popModal(message, title, post_id, false, 'dsq-lightbox');
	};

	this.popProfile = function(post_id, userKey) {
		var post = Dsq.jsonData['posts'][post_id];
		if (post && post.has_been_anonymized) {
			Dsq.Popup.popModal('This message was anonymized by its previous owner.', 'Anonymized', post_id);
			return;
		}

		if(post_id) {
			userKey = Dsq.jsonData['posts'][post_id].user_key;	
		}
		var userData = Dsq.jsonData['users'][userKey];
		var elId = 'dsq-popup-profile-' + userKey;
		var container = document.createElement('div');

		if(this.activePopup.el) {
			this._closePopup(null, true);
			if(this.activePopup.linkClicked) {
				this.activePopup.linkClicked = false;
				return;
			}
		}

		container.id = elId;
		container.innerHTML = Dsq.Templates.popupProfile(userKey);

		this.initPopup(container, post_id, 'profile');
		this.popupListener = Dsq.Utils.addEventListener(document, 'mouseup', this._closePopup);

		if(!this.profileCache[userKey]) {
			Dsq.Utils.execScript('http://disqus.com/embed/profile.js'
				+ '?username=' + userKey
				+ '&anon=' + (userData['registered'] ? 0 : 1)
				+ '&f=' + Dsq.jsonData['request'].forum);
		} else {
			this.updateProfile(userKey);
		}
	};

	this._closePopup = function(e, force) {
		var activePopup = Dsq.Popup.activePopup.el;
		var id = Dsq.Popup.activePopup.id;
		var link = 'dsq-avatar-' + id; // HACK: Specific to profile toggle target

		// HACK: This event should be gone if there is no active popup.
		if(!activePopup) {
			return;
		}
		if(force || !Dsq.Popup.isClicked(e, activePopup.id)) {
			// TODO: This is breaking iE?
			if(Dsq.Popup.popupListener) {
				Dsq.Utils.removeEventListener(Dsq.Popup.popupListener);
			}
			
			// Kill overlay
			var overlay = Dsq.$('dsq-overlay');
			if(overlay) { Dsq.Utils.deleteNode(overlay); }
			
			try {
				Dsq.Utils.deleteNode(activePopup);
			} catch(e) {
				// HACK: IE6 throws an error when using deleteNode() with a node containing a <table> in the html.
				activePopup.parentNode.removeChild(activePopup);
			}
			Dsq.Popup.activePopup = {};
		}

		if(!force && Dsq.Popup.isClicked(e, link)) {
 			Dsq.Popup.activePopup.linkClicked = true;
		}

	};

	this.initPopup = function(popup, post_id, type, extra_classes) {
		popup.className = 'dsq-popup dsq-popup-' + type + ' ' + (extra_classes ? extra_classes : '');
		if(Dsq.Utils.ie6 || Dsq.Utils.ie7) {
			// HACK: We can't modify the body before it's ready, so we need
			//       to use an IE-safe "DOMReady" workaround before loading
			//       our popup.
			Dsq.Utils.execOnReady(function() {Dsq.$b.appendChild(popup); });
		} else {
			Dsq.$b.appendChild(popup);
		}

		popup.style.display = 'block';

		var xPos = (Dsq.Utils.getWindowSize()[0] - popup.offsetWidth) / 2;
		var yPos = (Dsq.Utils.getWindowSize()[1] - popup.offsetHeight) / 2;

		if(Dsq.Utils.ie6) {
			yPos += Dsq.Utils.getScrollPos()[1];
		}

		popup.style.left = xPos + 'px';
		popup.style.top = yPos + 'px';

		Dsq.Popup.activePopup = {
			'el' : popup,
			'id' : post_id,
			'type': type,
			'linkClicked' : false
		};
	};

	this.isClicked = function(e, id) {
		var t = e.target || e.srcElement;
		while(t && t.parentNode) {
			if(t.id == id) {
				return true;
			}

			t = t.parentNode;
		}
		return false;
	};
};
// Dsq.Popup

/**
 * Dsq.Templates
 */
Dsq.Templates = new function() {
	/*
	 * Counter keeping track of the number of posts iterated over.
	 */
	this.postLoopCounter = 0;
	this.filters = {};
	this.addPostContainer = 'dsq-post-add';
	this.textareaContainer = 'dsq-post-add';

	this.registerTemplate = function(name, func) {
		this['$$_' + name] = func;

		if(typeof DsqLocal.Filters != 'undefined'
		&& typeof DsqLocal.Filters[name] == 'function') {
			// Push filters to this.filters to unify code.
			this.filters[name] = this.filters[name] || [];
			this.filters[name].push(DsqLocal.Filters[name]);
		}

		this[name] = function() {
			var ret;

			if(typeof DsqLocal.Templates != 'undefined'
			&& typeof DsqLocal.Templates[name] == 'function') {
				ret = DsqLocal.Templates[name].apply(this, arguments);
			}

			if(ret === undefined) {
				ret = this['$$_' + name].apply(this, arguments);
			}

			if(this.filters[name]) {
				var args = [ret];

				args.push.apply(args, arguments);
				for(var i = 0; i < this.filters[name].length; i++) {
					ret = this.filters[name][i].apply(this, args);
				}
			}

			return ret;
		};
	};

	this.registerFilter = function(name, func) {
		this.filters[name] = this.filters[name] || [];
		this.filters[name].push(func);
	};

	/**
	 * Dsq.Templates.Filters
	 */
	this.Filters = new function() {
		this.commentContainer = function(post_id, s) {
			var _meta = Dsq.jsonData.posts[post_id];
			var classes = [];
			if(Dsq.jsonData.request.page > 1) {
				classes.push('dsq-append');
			}

			//
			// Extra classes used for custom themes
			//

			if(_meta.depth) {
				classes.push('dsq-comment-child', 'dsq-depth-' + _meta.depth, 'dsq-parent-is-' + _meta.parent_post_id);
			}


			//

			if(_meta.author_is_creator) {
				// TODO: We need to deprecate the "special" class since it is not properly prefixed.
				classes.push('special', 'dsq-special');
			}
			if(_meta.author_is_moderator) {
				classes.push('dsq-moderator');
			}
			classes.push(['dsq-odd', 'dsq-even'][Dsq.Templates.postLoopCounter % 2]);

			s = s.substring(0, s.lastIndexOf('>'));
			return s + ' class="dsq-comment ' + classes.join(' ') + '" style="margin-left:' + _meta.depth*30 + 'px">';
		};

		this.commentContent = function(post_id, s) {
			var _meta = Dsq.jsonData.posts[post_id];
			if (_meta.killed) {
				return '<em>Comment removed.</em>';
			} else if (!_meta.approved) {
				return '<em>This comment was flagged for review.</em>';
			}

			s = s.replace(Dsq.MEDIA_POST_RE, Dsq.MediaPostHandler);
			return s;
		};
	};

	//
	// Thread
	//
	// TODO: These need to be stripped of all Django template tags.

	this.authPost = function() {
		if (!Dsq.jsonData.context.show_reply) {
			return '';
		}
		var result = [];
		result = result.concat([
				'<div id="dsq-auth"',
						Dsq.jsonData.integration.reply_position ? 'class="dsq-auth-bottom"' : '',
						'>',
					'<div class="dsq-by">',
						'<a href="http://disqus.com" target="_blank">',
							(Dsq.jsonData.integration.disqus_logo ?
								Dsq.Utils.interpolate('<img src="%(media_url)s/images/embed/by-disqus.png" alt="discussion by DISQUS">') :
								Dsq.Utils.interpolate('<img src="%(media_url)s/images/embed/dsq-button-120x19.png" alt="discussion by DISQUS">')
							),
						'</a>',
					'</div>',
					'<div class="dsq-auth-header">',
						'<h3 id="dsq-add-new-comment" class="dsq-h3-addcomment">',
								Dsq.Strings.ADD_NEW_COMMENT,
						'</h3>',
						'<div id="dsq-login">',
						(!Dsq.jsonData.request.is_authenticated && Dsq.jsonData.forum.allow_anon_post
								? '<p class="dsq-login-message" id="dsq-login-message">You are commenting as a <a class="dsq-help" title="Click for more information" href="#" onclick="Dsq.Popup.helpBadges(); return false">Guest</a>. You may select one to log into:</p>'
								: '')
		]);
		if (!Dsq.jsonData.request.is_authenticated) {
			result = result.concat([
							Dsq.Utils.interpolate(
								'<a id="dsq-login-toggle" href="%(disqus_url)s%(login_url)s?next=article:%(thread_id)s" onclick="Dsq.Popup.login(); return false"><img class="dsq-login-icon" src="%(media_url)s/images/dsq-profile-btn.png" title="%(log_into)s" alt="%(log_into)s"/></a>',
								{login_url: Dsq.Urls.LOGIN, thread_id: Dsq.jsonData.thread.id, log_into: Dsq.Strings.LOG_INTO_DISQUS}
								),
							'&nbsp; ',
							(Dsq.jsonData.context.use_fb_connect ?
								'<div id="dsq-fbc-login" onlogin="DisqusFbcParentController.onLogin()" size="medium" background="light" length="short" style="display:inline; margin-right:7px"></div>' :
								''
							),
							(Dsq.jsonData.context.use_twitter_signin ?
								Dsq.Utils.interpolate(
									'<div id="dsq-twitter-login" class="dsq-twitter-login" onclick="Dsq.Twitter.startTwitterConnect();" style="display:inline; cursor: pointer"><img src="%(media_url)s/images/twitter-signin-short.png" style="margin-right:7px" /></div>', {}) : ''),
							(Dsq.jsonData.context.use_openid ?
								Dsq.Utils.interpolate(
									'<div id="dsq-openid-login" class="dsq-openid-login" onclick="Dsq.OpenID.requestURL();" style="display:inline; cursor:pointer;"><img src="%(media_url)s/images/openid-login-button.png"/></div>', {}
								) : '')
			]);
		}
		result = result.concat([
						'</div>', // dsq-login
					'</div>', // dsq-auth-header
					'<div id="dsq-authenticated" class="dsq-authenticated" ',
						Dsq.jsonData.request.is_authenticated ? 'style="display:block"' : '',
						'>',
						'<div class="dsq-authenticated-pic">',
								Dsq.Utils.interpolate('<a href="%(url)s" title="%(request_display_username)s">' +
																			'<img class="dsq-post-avatar" src="%(avatar_url)s" alt="" /></a>',
																			{avatar_url: Dsq.Urls.REQUEST_USER_AVATAR,
																			url: (Dsq.jsonData.request.is_remote
																					 ? Dsq.jsonData.request.url
																					 : Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE) }),
						'</div>',
						'<div class="dsq-authenticated-info">',
							'<ul>',
								'<li>',
									(Dsq.jsonData.request.is_remote
										? Dsq.FmtStrings.LOGGED_IN_AS(
												Dsq.Utils.interpolate('<a href="%(url)s" title="%(request_display_username)s">%(request_display_username)s</a>', {url:Dsq.jsonData.request.url})
										  )
										: Dsq.FmtStrings.LOGGED_IN_AS(
												Dsq.Utils.interpolate('<a href="%(disqus_url)s%(profile_url)s" title="%(request_display_username)s">%(request_display_username)s</a>')
											)
									),
								'</li>',
								'<li class="logout">',
									(!Dsq.jsonData.request.is_remote
										? Dsq.Utils.interpolate('<img class="dsq-login-icon" src="%(media_url)s/images/dsqicon12.png" alt="%(logged_in_as)s"/>&nbsp',
											{logged_in_as: Dsq.FmtStrings.LOGGED_IN_AS(Dsq.jsonData.request.display_username)})
										: ''),

									(!Dsq.jsonData.request.is_remote
										? Dsq.Utils.interpolate('<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="%(logout_from_disqus)s">',
											{logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN, logout_from_disqus: Dsq.FmtStrings.LOGOUT_FROM('DISQUS')})
										: ((Dsq.jsonData.request.remote_domain == 'twitter')
												? Dsq.Utils.interpolate('using Twitter (<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="Logout">Logout</a>)',
												 {logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN})
												: ((Dsq.jsonData.request.remote_domain == 'openid')
													 ? Dsq.Utils.interpolate('using OpenID (<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="Logout">Logout</a>)',
													 {logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN})
													 : ''
													)
											)
									),

									(!Dsq.jsonData.request.is_remote ? Dsq.FmtStrings.LOGOUT_FROM('<span class="logo-disqus">DISQUS</span>') : ''),
									'</a>',
								'</li>',
							'</ul>',
						'</div>',
					'</div>'
		]);
		if (Dsq.jsonData.context.use_fb_connect) {
			result = result.concat([
					'<div id="dsq-fbc-authenticated" class="dsq-authenticated">',
						'<div id="dsq-fbc-profilepic" class="dsq-authenticated-pic" uid="loggedinuser" type="FB.XFBML.ProfilePic" size="square" facebook-logo="true"></div>',
						'<div class="dsq-authenticated-info">',
							'<ul>',
								'<li>',
									'Logged in as <span id="dsq-fbc-name" uid="loggedinuser" type="FB.XFBML.Name" linked="true" useyou="false"></span>',
								'</li>',
								'<li class="logout">using Facebook Connect <a href="#" onclick="javascript:DisqusFbcParentController.logout();return false;">(Logout)</a></li>',
							'</ul>',
						'</div>',
					'</div>'
			]);
		}
		result = result.concat([
				'</div>', // dsq-auth
				'<div id="dsq-toolbar-items">',
				'</div>'
		]);
		result = result.concat([
					//
					//
					//
				((!Dsq.jsonData.forum.allow_anon_post && !Dsq.jsonData.request.is_authenticated) ?
					// Needs to be translated:
					('<p id="dsq-no-anon-msg">Required: Please log into <span class="logo-disqus">Disqus</span> ' +
					(Dsq.jsonData.context.use_fb_connect ? 'or connect with Facebook ' : '') +
					(Dsq.jsonData.context.use_twitter_signin ? 'or sign in with Twitter ' : '') +
					(Dsq.jsonData.context.use_openid ? 'or sign in using OpenID ' : '') +
					Dsq.Utils.interpolate('to comment on <strong>%(forum_name)s</strong>.</p>')) :
					''
				),
				'<div id="dsq-post-add"></div>',
				'<div style="margin:10px 0">',
				((Dsq.jsonData.forum.use_media) ?
						'<a href="#" id="dsq-media-link" onclick="Dsq.Post.showMenu(this, false, \'media\'); return false">' + Dsq.Strings.USE_MEDIA + ' <small>&#9660;</small></a>' :
						''),
				'</div>'
		]);
		return result.join('');
	};


	this.header = function() {

		var html = '\<h3 id="dsq-comments-count" class="dsq-h3-commentcount">\
	 <span id="dsq-num-posts">24</span> Comments\
	 &nbsp;\
	 <span class="dsq-item-feed">\
	 <a href="http://consumerismcommentary.disqus.com/bad_implementation_high_speed_mortgage_payoffs/latest.rss"><img src="http://media.disqus.com/images/embed/bullet-feed.png"></a>\
	 </span>\
	 </h3>\
	 <div id="dsq-options" style="margin:15px 0">\
	 <span class="dsq-item-sort">\
	 Sort by\
	 <select id="dsq-sort-select" onchange="Dsq.Thread.sortBy(this.value);">\
	 <option value="hot" selected="selected">Popular now</option>\
	 <option value="best" >Best Rating</option>\
	 <option value="newest" >Newest first</option>\
	 <option value="oldest" >Oldest first</option>\
	 </select>\
	 &nbsp;\
	 </span>\
	 <span class="dsq-item-cp"><a href="http://consumerismcommentary.disqus.com/bad_implementation_high_speed_mortgage_payoffs/">Community Page</a>&nbsp;&nbsp;&nbsp;</span>\
	 <span class="dsq-item-subscribe">\
	 <img src="http://media.disqus.com/images/embed/email.png" style="width:12px;height:12px;vertical-align:middle">\
	 <span id="dsq-subscribe">\
	 <a href="#" onclick="Dsq.Thread.subscribe(1); return false">Subscribe by email</a>\
	 </span>\
	 </span>\
	 </div>\
	 <div id="dsq-alerts">\
	 <p>Comments for this page are closed.</p>\
	 </div>\
		';

		

		
		if (Dsq.jsonData.request.is_moderator) { 
			html = ' \
			<div class="dsq-alert-message dsq-upgrade-message"> \
				<strong>Disqus upgrade available.</strong> Hi ' + Dsq.jsonData.request.display_username + ', this message is being displayed to you because you are a moderator of this site. <a href="#" onclick="Dsq.$(\'dsq-upgrade-message\').style.display=\'block\';this.style.display=\'none\';return false">Click here for details.</a> \
				<div style="display:none; margin-top:10px;" id="dsq-upgrade-message"> \
					A new theme is available with added features. <a href="http://disqus.com/comments/settings/' + Dsq.jsonData.forum.url + '/?p=customize">To change your theme, click here</a> and choose the theme Narcissus. \
					If you do not upgrade, you are missing out on features such as: real-time commenting, new sign-in integrations, and an upgrade interface. \
					<strong>This message will automatically go away in one week.</strong> \
				</div> \
			</div> \
			' + html; 
		}
		return html;
	};

	this.footer = function() {
		var html = Dsq.Templates.pagination();

		
			html += Dsq.Templates.authPost();
		

		html += Dsq.Templates.reactions();

		

		return html;
	};

	this.pagination = function() {
		var html = '';
		
		if (Dsq.$('dsq-pagination')) { Dsq.$('dsq-pagination').innerHTML = ''; }
		if (!Dsq.jsonData.thread.paginate) { return ''; }

		//
		// TODO: num_paginator still uses the template tag for pagination, 
		// 		while append_paginator does it all in JavaScript.
		//		This should all be in JavaScript.
		//

		if (Dsq.jsonData.thread.num_pages > 1 && Dsq.jsonData.request.page < Dsq.jsonData.thread.num_pages) {
			html = ' \<a class="dsq-paginate-append-text" href="#" onclick="Dsq.Thread.paginate(Dsq.jsonData.request.page + 1, this); return false">Show more comments...</a>\
	 <button class="dsq-button-small dsq-paginate-append-button" onclick="Dsq.Thread.paginate(Dsq.jsonData.request.page + 1, this);">Load more comments</button>\
			';
		}
		
		if (Dsq.$('dsq-pagination')) {
			Dsq.$('dsq-pagination').innerHTML = html;
			return '';
		} else {
			return '<div id="dsq-pagination" class="dsq-pagination">' + html + '</div>';
		}
	};

	this.trackbacks = function() {
		var html = '';

		if(typeof DsqLocal != 'undefined' && DsqLocal.trackback_url && DsqLocal.trackbacks) {
			var trackbacks = DsqLocal.trackbacks;
			var trackback_url = DsqLocal.trackback_url;
		} else {
			var trackbacks = [
			
			
			];
			var trackback_url = 'http://consumerismcommentary.disqus.com/bad_implementation_high_speed_mortgage_payoffs/trackback/';
		}

		html += '<div class="dsq-item-trackback">Trackback URL&nbsp;&nbsp;<input class="dsq-trackback-url" onclick="this.select()" readonly="true" value="' + trackback_url + '"></div>';

		if(trackbacks.length) {
			html += '<ul id="dsq-references">'
			for(var i = 0; i < trackbacks.length; i++) {
				var trackback = trackbacks[i];
				html += '<li><cite><a href="' + trackback.author_url + '" rel="nofollow">' + trackback.author_name + '</a></cite> \
						<p class="dsq-meta">' + trackback.date + '</p> \
						<p class="dsq-content">' + trackback.excerpt + '</p></li>';
			}
			html += '</ul>';
			html = '<h3 class="dsq-h3-trackbacks">Trackbacks</h3>' + html;
		}

		return html;
	}

	this.showRetweets = function(id, limit, element_id /* Optional */) {
		var source, html = '';

		for (var i = 0, reaction; reaction = Dsq.jsonData.reactions[i]; i++) {
			if (reaction.id === id) {
				source = reaction.retweets;
			}
		}

		if (source) {
			if (limit === 0) {
				limit = source.length;
			}

			for (var j = 0; j < limit; j++) {
				var rt = source[j];
				html += '<a href="' + rt.url + '">' + rt.author_name + '</a>'	+ ((j === (limit - 1)) ? '.' : ', ');
			}
		}

		if (element_id === undefined) {
			return html;
		}

		var element = document.getElementById(element_id);
		element.innerHTML = html;
		return element;
	};

	this.showMoreReactions = function(reactions, has_more, start, limit) {
		var link = document.getElementById('dsq-show-more-reactions');
		var container = link.parentNode;
		container.removeChild(link);

		for (var i = 0, reaction; reaction = reactions[i]; i++) {
			var el = Dsq.Templates.generateReactionHTML(reaction);
			if (el) {
				container.innerHTML += el;
			}
		}

		if (has_more) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = start;
			var l = limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			container.innerHTML += '<li id="dsq-show-more-reactions"><a href="#" onclick="' + handler + '">Show more reactions</a></li>';
		}
	};

	this.generateReactionHTML = function(reaction) {
		if (reaction.body === null || reaction.body == '') {
			return;
		}

		if (reaction.author_name === '') {
			reaction.author_name = '&nbsp;';
		}

		if (reaction.url === '') {
			reaction.url = reaction.get_service_url;
		}

		/* Reaction HTML begins */
		var item = '<li class="dsq-reaction" id="dsq-reaction-' + reaction.id + '">'
			+ '<div class="dsq-reaction-header">'
			+ '<div class="dsq-header-avatar">';

		if (reaction.author_url && reaction.author_url !== '') {
			item += '<a target="_blank" href="' + reaction.author_url +'">';
		} else {
			item += '<a target="_blank" href="#" onclick="return false;">';
		}

		if (reaction.avatar_url && reaction.avatar_url !== '') {
			item += '<img src="' + reaction.avatar_url + '"/>';
		} else {
			item += '<img src="' + Dsq.jsonData.media_url + '/images/noavatar32.png"/>';
		}

		var service_icon = (reaction.get_service_name == 'trackback' || reaction.get_service_name == 'pingback' ? 'rss' : reaction.get_service_name.replace(' ', ''));
		item += '<img class="dsq-service-icon" src="' + Dsq.jsonData.media_url + '/images/reactions/services/' + service_icon + '.png"/>'
			+ '</a></div>'
			+ '<cite><span>' + reaction.author_name + '</span></cite>'
			+ '<span class="dsq-header-meta"><a class="dsq-header-time">' + reaction.date_created + '</a></span>'
			+ '</div><div class="dsq-reaction-body">'
			+ '<div class="dsq-reaction-message">' + reaction.body + '</div>'
			+ '<div class="dsq-reaction-footer">From <a class="dsq-service-name" target="_blank" href="' + reaction.url + '">' + reaction.get_service_name + '</a> '
			+ 'via ' + (reaction.source == 'backtype' ? '<a href="http://backtype.com/">BackType</a>' : '<a href="' + reaction.source_url + '">UberVU</a>')
			+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator ? '&nbsp;&bull;&nbsp;<a class="dsq-hide-reaction" href="#" onclick="Dsq.Reaction.hide(' + reaction.id + '); return false;">Hide</a>' : '') + '</div></div>';

		if(reaction.retweets) {
			var num_retweets = reaction.retweets.length;
			if (num_retweets > 0) {
				item += '<div class="dsq-reaction-retweets">';
				if (num_retweets == 1) {
					item += 'One more retweet from <a href="' + reaction.retweets[0].url + '">'  + reaction.retweets[0].author_name + '</a>';
				} else {
					item += (num_retweets + ' more retweets from ');

					item += '<span id="dsq-reaction-retweets-' + reaction.id + '">';
					var n_tweets = (num_retweets > 15) ? 15 : num_retweets;
					item += Dsq.Templates.showRetweets(reaction.id, n_tweets);

					if (n_tweets != num_retweets) {
						item += '</span> <a onclick="Dsq.Templates.showRetweets(' + reaction.id + ', 0, \'dsq-reaction-retweets-' + reaction.id + '\');'
							+ 'this.parentNode.removeChild(this); return false;" href="#">Show all</a>';
					}
				}
				item += '</div>';
			}
		}

		item += '</li>'; /* Reaction HTML ends */
		return item;
	};

	this.reactions = function() {
		var html, reaction;

		if (Dsq.jsonData.reactions === undefined || Dsq.jsonData.reactions.length === 0) {
			return '';
		}

		html = '';
		for (var i = 0; reaction = Dsq.jsonData.reactions[i]; i++) {
			var item = Dsq.Templates.generateReactionHTML(reaction);
			if (item) {
				html += item;
			}
		}

		if (Dsq.jsonData.has_more_reactions) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = Dsq.jsonData.reactions_start;
			var l = Dsq.jsonData.reactions_limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			html += '<li id="dsq-show-more-reactions"><a href="#" onclick="' + handler + '">Show more reactions</a></li>';
		}

		return '<h3 class="dsq-h3-reactions">Reactions</h3><ul id="dsq-reactions" class="dsq-reactions">' + html + '</ul>';
	};
	
	this.missingPermissions = function() {
		return '	<p>Comments for this page are closed.</p>\n';
	};

	//
	// Post
	//

	this.prependPost = function(post_id) {
		var html = '<div id="comment-' + post_id + '"></div>';
		return html;
	};

	this.appendPost = function(post_id) {
		var html = '<div id="dsq-comment-reply-' + post_id + '"></div>';
		return html;
	};

	this.postPrependHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];

		var _includeServices = function() {
			var userServices = Dsq.Post.getUserServices(null, post_id);
			var html = '';
			var hiddenThreshold = 3; // Define # of services to show before stuffing them in hidden div

			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == hiddenThreshold
					? '<li id="dsq-drop-hidden-' + post_id +'" class="dsq-drop-hidden"><ul>'
					: '')
				+ '<li class="dsq-drop-services"> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank"> \
						<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '">'
					+ userServices[i].name
					+ '</a> \
				</li>';
			}

			if(i >= hiddenThreshold) {
				html += '</ul></li> \
				<li id="dsq-drop-more-' + post_id + '" class="dsq-drop-more"><a href="#" onclick="Dsq.Post.dropProfileMore(this, '+ post_id + '); return false"><small>&#9660;</small></a></li> \
				';
			}
			return html;
		};

		return ' \
			<div class="dsq-header-avatar" id="dsq-header-avatar-' + post_id + '" onmouseover="Dsq.Post.dropProfile(' + post_id + ')"> \
				<a id="dsq-avatar-' + post_id + '" class="dsq-avatar" href="' + userData.url + '" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">'
			+ (Dsq.jsonData.forum.show_avatar
				? '<img src="' + Dsq.jsonData.users[_meta.user_key].avatar + '" alt="" />'
				: '')
			+ '</a>'
			+ '</div> \
		';
	};

	this.postAppendHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];

		return ''
			+ (_meta.author_is_moderator
				? '<img class="dsq-mod-star" src="http://media.disqus.com/images/bullet-star.png" title="Moderator" alt="" />'
				: '')
			+ '<span class="dsq-header-meta"> \
				<a id="dsq-time-' + post_id + '" class="dsq-header-time" href="#comment-' + post_id + '" title="Permalink">' + _meta.date + '</a> \
			</span>';
	};

	this.preBody = function(post_id) {
		return '';
	}

	this.postBody = function(post_id) {
		// TODO: Deprecate flagging conditional
		var _meta = Dsq.jsonData.posts[post_id];
		return ''
			+ (_meta.edited
				? '<p class="dsq-editedtxt">(Edited by a moderator)</p>'
				: '')
			;
	};

	this.postFooter = function(post_id) {
		// TODO: Use media should be conditional
		var _meta = Dsq.jsonData.posts[post_id];
		if(_meta.killed) { return ''; }

		return ' \
			<div class="dsq-comment-footer" id="dsq-comment-footer-' + post_id + '"> \
				<div id="dsq-points-' + post_id + '" class="dsq-likedtxt">'
				+ (_meta.points
					? _meta.points + Dsq.Utils.pluralize(_meta.points, ' person', ' people') + ' liked this comment.'
					: '')
				+ '</div>'
				+ '<ul class="dsq-comment-options dsq-list-style">'
				+ (_meta.votable
					? '<li class="dsq-list-first dsq-rate" id="dsq-rate-cont-' + post_id + '">'
					+ (!_meta.up_voted
						? '<a href="#" onclick="Dsq.Post.rate(this, ' + post_id + ', 1); return false;">Like</a>'
						: 'You liked this.') + '</li>'
					: '')
				+ '<li class="dsq-report' + (!_meta.votable ? ' dsq-list-first' : '') + '" id="dsq-post-report-' + post_id + '"><a href="#" class="dsq-post-report" onclick="Dsq.Post.report(' + post_id + ', false); return false;">Report</a></li> \
				</ul> \
				<ul class="dsq-list-style">'
				+ (_meta.can_reply
					? '<li class="dsq-list-first"><a href="#" id="dsq-reply-link-' + post_id +'" onclick="Dsq.Post.toggleReply(this, ' + post_id +'); return false;">Reply</a></li>'
					: '')
				+ (_meta.can_reply && !_meta.has_replies && _meta.from_request_user
					? '<li id="dsq-edit-el-' + post_id + '"><a id="dsq-edit-link-' + post_id + '" href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); return false;">Edit</a></li>'
					: '')
				+ '<li class="' + (!_meta.can_reply ? 'dsq-list-first' : '') + '" id="dsq-more-el-' + post_id + '"><a id="dsq-more-link-' + post_id + '" href="#" onclick="Dsq.Post.showMenu(this, ' + post_id + ', \'more\'); return false">More <small>&#9660;</small></a></li>'
				+ (Dsq.jsonData.forum.use_media
					? '<li id="dsq-media-el-' + post_id +'" style="display:none"><a id="dsq-media-link-' + post_id + '" href="#" onclick="Dsq.Post.showMenu(this, ' + post_id + ', \'media\'); return false">Use Media <small>&#9660;</small></a></li>'
					: '')
				+ '</ul>'
				+ '<div id="dsq-reply-bar-' + post_id + '" class="dsq-reply-bar" style="display:none"> \
						<div id="dsq-reply-bar-items-' + post_id + '" class="dsq-reply-bar-items"> \
						</div> \
						<div id="dsq-reply-bar-auth-' + post_id + '" class="dsq-reply-bar-auth"> \
							 \
								 \
								 	<a href="#" class="dsq-help dsq-reply-req-opt" title="You are commenting as a Guest. You may choose to log into an existing DISQUS Profile, your Facebook, Twitter or OpenID account to comment on Consumerism Commentary" onclick="Dsq.Popup.helpBadges(); return false">Optional:</a> \
								 \
								<img class="dsq-login-icon" src="http://media.disqus.com/images/dsq-favicon-16x16.png" alt="" /> \
								<a id="dsq-reply-login-' + post_id + '" href="http://disqus.com/profile/login/?next=article:42495297" onclick="Dsq.Popup.login(); return false">Login</a> \
								 \
									&nbsp;or&nbsp; \
									<img class="fb_login_image" src="http://static.ak.fbcdn.net/images/fbconnect/login-buttons/connect_light_small_short.gif" alt="Facebook Connect"/> \
									<a href="#" onclick="FB.Connect.requireSession(DisqusFbcParentController.onLogin); return false;">Connect</a> \
								 \
								&nbsp;or&nbsp; \
									<img src="http://media.disqus.com/images/twitter-signin-icon.png" alt="" /> \
									<a href="#" onclick="Dsq.Twitter.startTwitterConnect(); return false">Sign-in</a> \
								 \
								&nbsp;or&nbsp; \
									 <img src="http://media.disqus.com/images/openid-login-icon.png" alt="" /> \
									 <a href="#" onclick="Dsq.OpenID.requestURL(); return false">OpenID</a> \
								 \
							 \
						</div> \
					</div> \
					<div id="dsq-reply-' + post_id + '"></div> \
			</div> \
		';
	};

	//
	// Iframes
	//

	this._makeAttributes = function(attributes) {
		// Makes a tag attributes string out of an object.
		// Caller is responsible for making sure nothing needs to be escaped.
		var result = [];
		for (key in attributes) {
			result.push(' ' + key + '="' + attributes[key] + '"');
		}
		result = result.join('');
		return result;
	};

	this._frameGeneric = function(base_url, params, attributes) {
		if(typeof(disqus_callback_params) == 'undefined') {
			disqus_callback_params = '';
		}

		var default_params = {
			// TODO: These should be moved to Dsq.jsonData.
			'f'				: 'consumerismcommentary',
			't'				: 'bad_implementation_high_speed_mortgage_payoffs',
			// Do we need encodeURIComponent here?
			'ifrs'			: encodeURIComponent(disqus_iframe_css),
			'to_redirect'	: encodeURIComponent(window.location),
			'cbp'			: disqus_callback_params,
			'ff'			: Dsq.Thread.ff,
			'fc'			: Dsq.Thread.fc,
			'ac'			: Dsq.Thread.ac,
			'default_text'	: disqus_default_text
		};

		base_url += '?' + (new Date()).getTime();
		// Add params to default_params.
		if(params) {
			for(var key in params) {
				if(params.hasOwnProperty(key)) {
					default_params[key] = encodeURIComponent(params[key]);
				}
			}
		}
		// Build querystring.
		for(var key in default_params) {
			if(default_params[key] && default_params.hasOwnProperty(key)) {
				base_url += '&' + key + '=' + default_params[key];
			}
		}

		return [
			'<iframe marginwidth="0" marginheight="0" hspace="0" vspace="0" frameborder="0"',
			(' allowtransparency="true" src="' + base_url + '"'),
			this._makeAttributes(attributes),
			'</iframe>'].join('');
	};

	this.frameLogin = function(opt_attributes) {
		var params = {};
		var base_url = 'http://disqus.com/embed/login.html';
		var attributes = opt_attributes || {};
		attributes['class'] = 'dsq-post-login';

		if(typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}
		return this._frameGeneric(base_url, params, attributes);
	};

	this.frameReply = function(post_id, extra_params, attributes) {
		// Returns the HTML for a reply iframe. Called by Dsq.Iframes.setReplyIframeToContainer
		var _meta = (typeof post_id != 'undefined') ? Dsq.jsonData.posts[post_id] : false;
		var base_url = Dsq.Urls.REPLY;
		var params = {
			'def_email'		: disqus_def_email,
			'def_name'		: disqus_def_name
		};
		if(extra_params) {
			for(var key in extra_params) {
				if(extra_params.hasOwnProperty(key)) {
					params[key] = extra_params[key];
				}
			}
		}
		if(_meta) {
			params['parent_post'] = post_id;
		}
		if(typeof disqus_per_page != 'undefined') {
			params['per_page'] = disqus_per_page;
		}
		if(typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}
		if(Dsq.jsonData.request.is_authenticated) {
			attributes['class'] += '-authenticated';
		}
		return this._frameGeneric(base_url, params, attributes);
	};

	this.frameEdit = function(post_id) {
		var _meta = (typeof post_id != 'undefined') ? Dsq.jsonData.posts[post_id] : false;
		var base_url = 'http://disqus.com/embed/edit.html';
		var params = {
			'p' : post_id
		};
		return this._frameGeneric(base_url, params, {'class': 'dsq-post-edit', 'name': 'dsq-edit_' + post_id + '-frame'});
	};

	//
	// Menus
	//

	this.menuMore = function(post_id) {
		// TODO: "Remove post" button should hide menu.
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		return ' \
			<li><a href="#comment-' + post_id + '" onclick="Dsq.Popup.permalink(' + post_id + ')">Link</a></li> \
			<li><a href="#" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">Profile</a></li>'
	+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator
		? '	<li class="dsq-menu-sep"></li>' + (_meta.email ? '<li class="dsq-admin-email">' + _meta.email + '</li>' : '')
		+ '	<li class="dsq-admin-ip">' + _meta.ip + '</li> \
			<li class="dsq-menu-sep"></li>'
		+ (Dsq.jsonData.request.moderator_can_edit
			? ' <li class="dsq-admin-edit"><a href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); return false;">Edit Comment</a></li>'
			: '')
		+ ' <li class="dsq-remove"><a href="#" onclick="Dsq.Post.removePost(' + post_id + ', 1); return false;">Remove Comment</a></li> \
			<li class="dsq-report-spam"><a href="#" onclick="Dsq.Post.reportSpam(' + post_id + '); return false;">Mark Spam</a></li> \
			<li class="dsq-block-user"><a href="#" onclick="Dsq.Popup.blacklist(' + post_id + '); return false">Block User</a></li>'
		: '');
	};

	this.menuMedia = function(post_id) {
		return ' \
			<li><a href="#" onclick="Dsq.Post.toggleMediaReply(this, ' + post_id + ', \'seesmic\'); return false;">Record video</a></li> \
		';
	};

	this.dropProfile = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];

		var _includeServices = function() {
			var userServices = Dsq.Post.getUserServices(null, post_id);
			var html = '';
			var hiddenThreshold = 3; // Define # of services to show before stuffing them in hidden div

			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == hiddenThreshold
					? '<li id="dsq-drop-hidden-' + post_id +'" class="dsq-drop-hidden"><ul>'
					: '')
				+ '<li class="dsq-drop-services"> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank"> \
						<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '">'
					+ userServices[i].name
					+ '</a> \
				</li>';
			}

			if(i >= hiddenThreshold) {
				html += '</ul></li> \
				<li id="dsq-drop-more-' + post_id + '" class="dsq-drop-more"><a href="#" onclick="Dsq.Post.dropProfileMore(this, '+ post_id + '); return false"><small>&#9660;</small></a></li> \
				';
			}
			return html;
		};


		var menu = '<li class="dsq-drop-showlnk"><a href="#" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">Expand &#8663;</a></li>';
		var pointsMessage = '';
		if (userData['registered']) {
			pointsMessage = 'with ' + userData['points'] + ' points (more points are better).';
		}

		if (userData['is_remote']) {
			var domain = userData['remote_domain_name'];
			menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' is a ' + domain + ' user ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
			menu += '<span class="dsq-badge-' + domain.toLowerCase() + '">' + domain + '</span></li>';
		} else if (userData['registered']) {
			if (userData['verified']) {
				menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has a verified commenter profile ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
				menu += '<span class="dsq-badge-verified">Verified</span></li>';
			} else {
				menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has a registered, but unverified, commenter profile ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
				menu += '<span class="dsq-badge-registered">Registered</span></li>';
			}
		} else {
			menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has not claimed this commenter profile." onclick="Dsq.Popup.helpBadges()"><span class="dsq-badge-guest">Guest</span></li>';
		}

		menu += _includeServices();
		return menu;
	};

	//
	// Popups
	//

	this._popupGeneric = function(content) {
		return ' \
		<div class="dsq-popup-content"> \
			<div class="dsq-popup-top"></div> \
			<div class="dsq-popup-body" class="clearfix"> \
				<div class="dsq-popup-body-padding"> \
					<div class="dsq-popup-header"> \
						<a class="dsq-close-link" href="#" onclick="Dsq.Popup._closePopup(null, true); return false"><img src="http://media.disqus.com/images/modal-close.png" alt="" /></a>'
						+ content['header']
					+ '</div>'
					+ content['body']
					+ '<div class="powered-by"><a href="http://disqus.com/comments/">Powered by <img src="http://media.disqus.com/images/embed/disqus-logo.png" alt="Disqus Comments" style="margin-bottom:-5px" /></a></div> \
				</div> <!-- padding --> \
			</div> <!-- body --> \
			<div class="dsq-popup-bottom"></div> \
		</div> \
		';
	};

	this.popupProfile = function(user_key) {
		var userServices = Dsq.Post.getUserServices(user_key, null);
		var userData = Dsq.jsonData['users'][user_key];
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		var _includeServices = function() {
			var html = '';
			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == 0
					? '<h4>Connections</h4><ul>'
					: '')
				+ '<li> \
					<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '" title="' + userServices[i].name.toLowerCase() + '" /> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank">'
					+ userServices[i].name
					+ '</a> \
				</li>'
				+ (i+1 == userServices.length ? '</ul>' : '');
			}
			return html;
		};

		headerHtml = ' \
			<table> \
				<tr> \
					<td> \
						<a class="dsq-profile-userurl" href="' + userData.url + '"><img class="dsq-popup-profile-avatar" src="' + userData['avatar'] + '" alt="" /></a> \
					</td> \
					<td> \
						<div class="dsq-popup-profile-user"> \
							<h3>' + userData['display_name'] + '</h3> \
							<div class="dsq-popup-profile-user-stats" id="dsq-popup-profile-user-stats-' + user_key + '">Loading...</div> \
						</div> \
					</td> \
				</tr> \
			</table> \
		';

		bodyHtml = ' \
			<div class="dsq-popup-profile-state"> \
				This is a&nbsp;<span class="'
					+ (userData['registered']
						? (userData['verified']
							? ' dsq-badge-verified'
							: (userData['is_remote']
								? ' dsq-badge-' + userData['remote_domain_name'].toLowerCase()
								: ' dsq-badge-registered')
							)
							: ' dsq-badge-guest') + '">'
			+ (userData['registered']
				? (userData['verified']
					? 'Verified'
					: (userData['is_remote']
						 ? userData['remote_domain_name']
						 : 'Registered')
					)
				: 'Guest')
			+ '</span>&nbsp;commenter profile.'
			+ '&nbsp;<a class="dsq-profile-userurl" href="' + userData.url + '"><strong>View more comments </strong></a>'
			+ (!userData['points']
				? '<p class="dsq-popup-notice">If this is you, <a href="http://disqus.com/profile" target="_blank">claim it now</a> to manage your comments.</p>'
				: '')
			+ ((userData['registered'] && !userData['verified'] && (Dsq.jsonData.request.username && (Dsq.jsonData.request.username == userData['username'])) && !userData['is_remote'])
				? '<p class="dsq-popup-notice"><strong>Alert</strong>: You have not verified this account. <a href="http://disqus.com/verify">Verify it now.</a></p>'
				: '')
			+ '</div> \
			<div id="dsq-profile-status-' + user_key + '" class="dsq-popup-profile-status" style="display:none"></div> \
			<div class="dsq-popup-profile-snapshot"> \
				<table> \
					<tr> \
						<td> \
							<div id="dsq-popup-profile-active-sites-wrapper-' + user_key + '"> \
								<h4>Most active sites</h4> \
								<ul id="dsq-popup-profile-active-sites-' + user_key + '"> \
									<li>Loading...</li> \
								</ul> \
							</div> \
						</td> \
						<td>'
							+ _includeServices()
							+ '<div id="dsq-popup-profile-moderated-wrapper-' + user_key + '"> \
								<h4>Moderator of</h4> \
								<ul id="dsq-popup-profile-moderated-' + user_key + '"> \
									<li>Loading...</li> \
								</ul> \
							</div> \
						</td> \
					</tr> \
				</table> \
			</div> \
			';

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.popupReblog = function() {
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		headerHtml = ' \
			<cite><span>Reblog this comment</span></cite> \
		';

		bodyHtml = ' \
			<div id="dsq-reblog-form" class="dsq-reblog-form"> \
			</div> \
		';

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.popupModal = function(title, message) {
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		headerHtml = ' \
			<h3>' + title + '</h3> \
		';

		bodyHtml = message;

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.alertContent = function(name, post_id) {
		var alert = {
			'post_not_approved': {
				'title': 'Comment awaiting approval by a moderator',
				'message': 'Thanks for posting. Your comment must be approved by a moderator before appearing here.'
			},
			'post_has_profile': {
				'title': 'Use your existing commenter profile',
				'message': 'You have just posted your commment as a <span class="dsq-badge dsq-badge-guest">Guest</span>, but you may already have a <span class="dsq-badge dsq-badge-registered">Registered</span> commenter profile.<br /><br /><a href="http://disqus.com/claim">Log in and claim this comment!</a>'
			}
		};
		return alert[name] || false;
	};

	//
	// Actions
	//

	this.voted = function(post_id, points, vote) {
		// Update number of points
		Dsq.$('dsq-points-' + post_id).innerHTML = points + Dsq.Utils.pluralize(points, ' person', ' people') + ' liked this comment.';

		// Update link text
		if(vote) {
			Dsq.$('dsq-rate-cont-' + post_id).innerHTML = 'You liked this.';
		}
	};

	this.subscribed = function(status) {
		var title, message;

		if(status) {
			title = 'Subscribed!';
			message = 'You have subscribed to this comment thread. New comments will be sent directly to your email inbox, where you may read and respond by email.';
			Dsq.$('dsq-subscribe').innerHTML = ' \
				<a href="#" onclick="Dsq.Thread.subscribe(0); return false">Unsubscribe</a> \
			';
		} else {
			title = 'Unsubscribed';
			message = 'You have unsubscribed to this comment thread. New comments will no longer be sent to your email inbox.';
			Dsq.$('dsq-subscribe').innerHTML = ' \
				<a href="#" onclick="Dsq.Thread.subscribe(1); return false">Subscribe by email</a> \
			';
		}

		Dsq.Popup.popModal(message, title);

	};
	
	this.highlighted = function() {
		Dsq.Popup.popModal('This comment has been highlighted.', 'Highlighted comment');
	};

	//
	// Media
	//

	this.mediaSeesmic = function(id, thumb) {
		return ' \
			<div id="dsq-seesmic-' + id + '_preview" class="dsq-seesmic-preview"><a href="http://www.seesmic.com/video/' + id + '" target="_blank" class="see_link">&nbsp;</a> \
				<div style="display:block;width:160px; height:120px; border:none; background-image:url(http://t.seesmic.com/thumbnail/' + thumb + ')"> \
					<div id="dsq-seesmic-' + id + '_hide" class="seePlayOverlay" style="display:none;"><img onclick="see_play_video(\'' + id + '\',false)" src="http://media.disqus.com/images/seesmic/stopOverlay.png" width="50" height="50" style="cursor:pointer; cursor:hand; padding-top: 30px; padding-left: 50px" alt="" /></div> \
					<div id="dsq-seesmic-' + id + '_show" class="seePlayOverlay"><img onclick="see_play_video(\'' + id + '\',true)" src="http://media.disqus.com/images/seesmic/playOverlay.png" width="50" height="50" style="cursor:pointer; cursor:hand; border:none; padding-top: 30px; padding-left: 50px" alt="" /></div> \
				</div> \
			</div> \
			<div id="' + id + '_content" style="display:block; width:100%; padding-top:5px"></div> \
		';
	};

	//
	// Callbacks
	//

	this.postComment_onSuccess = function(parent_post_id) {
		// Increment post count
		var num_posts = Dsq.$('dsq-num-posts');
		var total_posts = Dsq.$('dsq-total-posts');
		
		if (num_posts) { 
			num_posts.innerHTML = parseInt(num_posts.innerHTML) + 1;
		}
		if (total_posts) { 
			total_posts.innerHTML = parseInt(total_posts.innerHTML) + 1;
		}
	};
};
// Dsq.Templates


/**
 * Dsq.Post
 */
Dsq.Post = new function() {
	this.openedMenu = {};
	this.menuEventListener = null;
	this.stateReplyToggled = {};
	this.stateEditToggled = {};
	this.stateRecordLink = {};

	/**
	 * Inserts a new post into the document.
	 *
	 * @param after_id {Number}	Insert a post before specified id.  If after_id
	 *							evaluates to false, then post in the front.  If
	 *							after_id is -1, post at the end.
	 */
	this.insert = function(after_id, id, message, author) {
		// Skeleton template from thread_posts.html.
		var skeleton = ' \
			<li id="dsq-comment-%(id)s"> \
				<div id="dsq-comment-header-%(id)s" class="dsq-comment-header"> \
					<cite id="dsq-cite-%(id)s" class="dsq-comment-cite"> \
						<a id="dsq-author-user-%(id)s" href="%(author_url)s" target="_blank" rel="nofollow">%(author_name)s</a> \
					</cite> \
				</div> \
				<div id="dsq-comment-body-%(id)s" class="dsq-comment-body"> \
					<div id="dsq-comment-message-%(id)s" class="dsq-comment-message">%(message)s</div> \
				</div> \
			</li> \
		';
		var _meta = Dsq.jsonData.posts[id];
		var _user_meta = Dsq.jsonData.users[_meta.user_key];
		var markup = Dsq.Utils.interpolate(skeleton, {
			id: id,
			message: message,
			author_url: _user_meta.blog,
			author_name: _user_meta.display_name
		});
		var div = document.createElement('div');
		markup = markup.replace(Dsq.COMMENTS_RE, Dsq.CommentsHandler);
		div.innerHTML = markup;

		if (after_id === -1) {
			Dsq.$('dsq-comments').appendChild(div);
		} else if (!after_id) {
			Dsq.$('dsq-comments').insertBefore(div, Dsq.$('dsq-comments').firstChild);
		} else if (Dsq.$('dsq-comment-' + after_id)) {
			// Get next node after "after_id", so we can insert before it.
			// If "after_id" is the last comment, the target node is the
			// last node.
			
			// var append_post_id = Dsq.Templates.appendPost(after_id).replace('<div id="','').replace('"></div>', '');
			var append_post_id = 'dsq-append-post-' + after_id;
			var node = Dsq.$(append_post_id);
			while (node = node.nextSibling) {
				if (!node || node.nodeType == 1) { // 1 == Node.ELEMENT_NODE
					break;
				}
			}
			if (!node) {
				node = Dsq.$(append_post_id);
			}
			node.parentNode.insertBefore(div, node);
		}
	};

	this.incrementPostCount = function() {
		
		var num_posts = Dsq.$('dsq-num-posts');
		var total_posts = Dsq.$('dsq-total-posts');

		if (num_posts) {
			num_posts.innerHTML = parseInt(num_posts.innerHTML, 10) + 1;
		}
		if (total_posts) {
			total_posts.innerHTML = parseInt(total_posts.innerHTML, 10) + 1;
		}
	}
	
	this.outlineComment = function(post_id) {
		Dsq.$('dsq-comment-' + post_id).className += ' dsq-comment-outline';
		setTimeout("(function () { Dsq.Post.clearOutlineComment(" + post_id + ") })()", 3000);
	};
	
	this.clearOutlineComment = function(post_id) {
		Dsq.$('dsq-comment-' + post_id).className = Dsq.$('dsq-comment-' + post_id).className.replace('dsq-comment-outline', '');
	};

	this.showMenu = function(el, id, name) {
		var anchorPos = Dsq.Utils.findPos(el);
		var menu = document.createElement('ul');

		if(this.openedMenu) {
			if(this.openedMenu.linkClicked) {
				this.openedMenu.linkClicked = false;
				return;
			}
		}

		switch(name) {
			case 'more':
				menu.innerHTML = Dsq.Templates.menuMore(id);
				break;
			case 'media':
				menu.innerHTML = Dsq.Templates.menuMedia(id);
				break;
			default:
				break;
		}

		// Add menu to document body
		menu.id = 'dsq-menu-' + id;
		menu.className = 'dsq-menu';
		Dsq.$b.appendChild(menu);

		// Position and show
		anchorPos[1] += 15;
		menu.style.left = anchorPos[0] + 'px';
		menu.style.top = anchorPos[1] + 'px';
		menu.style.display = 'block';

		// Set global reference
		this.openedMenu = {
			'el' : menu,
			'id' : id,
			'name' : name,
			'linkClicked' : false
		};

		// Set listener
		this.menuEventListener = Dsq.Utils.addEventListener(document, 'mouseup', this._hideMenu);
	};

	this._hideMenu = function(e) {
		var el = e.target || e.srcElement;
		var openedMenu = Dsq.Post.openedMenu.el;
		var id = Dsq.Post.openedMenu.id;

		if(!id) {
			var link = 'dsq-' + Dsq.Post.openedMenu.name + '-link';
		} else {
			var link = 'dsq-' + Dsq.Post.openedMenu.name + '-link-' + id;
		}

		if(!openedMenu) {
			return;
		}

		if(!Dsq.Popup.isClicked(e, openedMenu.id)) {
			openedMenu.style.display = 'none';
			Dsq.Utils.removeEventListener(Dsq.Post.menuEventListener);
			Dsq.Utils.deleteNode(openedMenu);

		} else {
			// Hide the menu if a link was clicked inside the menu.  We can't
			// completely remove the menu until the onclick event on the link
			// fires, but the menuEventListener will prevent multiple menus
			// from polluting the DOM.
			if(el && typeof el.href != 'undefined') {
				openedMenu.style.display = 'none';
				Dsq.Post.openedMenu.el = null;
			}
		}

		if(Dsq.Popup.isClicked(e, link)) {
 			Dsq.Post.openedMenu.linkClicked = true;
		}
	};


	this.getUserServices = function(user_key, id) {
		if(!user_key && id) {
			var _meta = Dsq.jsonData.posts[id];
			user_key = _meta.user_key;
		}
		var userData = Dsq.jsonData['users'][user_key];
		var userServices = [];

		// Keep a full list of supported services. This is the order they will display in the drop-profile.
		// Each service must have a corresponding case in _buildServiceUrl()
		var supportedServices = ['blog', 'twitter', 'facebook', 'tumblr'];

		function _buildServiceUrl(serviceName) {
			var data = userData[serviceName];
			var services = {
				blog:		function(d) { return d; },
				twitter:	function(d) { return d; },
				facebook:	function(d) { return d; },
				tumblr:		function(d) { return 'http://' + d + '.tumblr.com'; }
			};
			return services[serviceName](data);
		}

		for(var i = 0; i < supportedServices.length; i++) {
			if(userData[supportedServices[i]]) {
				var serviceUrl = _buildServiceUrl(supportedServices[i]);
				userServices.push({'name' : supportedServices[i], 'url' : serviceUrl});
			}
		}
		return userServices;
	}

	this.dropProfile = function(id) {
		var dp = Dsq.$('dsq-drop-profile-' + id);

		// IE6 needs JS to display/hide. All other browsers use CSS.
		if(dp) {
			if(Dsq.Utils.ie6) dp.style.display = (dp.style.display == 'inline') ? 'none' : 'inline';
			return false;
		} else {
			dp = document.createElement('ul');
		}

		dp.id = 'dsq-drop-profile-' + id;
		dp.className = 'dsq-drop-profile';

		if(Dsq.Utils.ie6) { dp.style.display = 'inline'; }

		var container = Dsq.$('dsq-header-avatar-' + id);
		dp.innerHTML = Dsq.Templates.dropProfile(id);
		container.appendChild(dp);
	};

	this.dropProfileMore = function(el, id) {
		var hiddenItems = Dsq.$('dsq-drop-hidden-' + id);

		hiddenItems.style.display = 'inline';
		el.parentNode.style.display = 'none';
	};

	this._updateReplyLinks = function(el, id) {
		// Update "reply / cancel" links based on state.
		var displayDict = {};

		if(id) {
			if(this.stateReplyToggled[id]) {
				el.innerHTML = 'Cancel';
				displayDict['media'] = 'inline';
				displayDict['edit'] = 'none';
			} else {
				el.innerHTML = 'Reply';
				displayDict['media'] = 'none';
				displayDict['edit'] = 'inline';
			}
		}

		for(var key in displayDict) {
			if(displayDict.hasOwnProperty(key)) {
				var	linkEl = Dsq.$('dsq-' + key + '-el-' + id),
					spacer = Dsq.$('dsq-' + key + '-spacer-' + id);

				if(linkEl) {
					linkEl.style.display = displayDict[key];
					if(spacer) spacer.style.display = displayDict[key];
				}
			}
		}
	};

	this._updateMediaLinks = function(el, id) {
		// Update "use media / cancel" links based on state.
		var appendId = (id) ? ('-' + id) : '';
		var link = Dsq.$('dsq-media-link' + appendId);

		if(this.stateRecordLink[id]) {
			link.innerHTML = 'Cancel Media';
			link.onclick = function() { Dsq.Post.toggleMediaReply(link, id); return false; };
		} else {
			link.innerHTML = 'Use Media <small>&#9660;</small>';
			link.onclick = function() { Dsq.Post.showMenu(link, id, 'media'); return false; };
		}
	};

	this.toggleReply = function(el, id) {
		// Create reply IFrame
		if (window.disqus_use_postmessage) {
			if (!this.stateReplyToggled[id]) {
				Dsq.$('dsq-reply-' + id).style.display = 'block';
				Dsq.$('dsq-reply-bar-' + id).style.display = 'block';
				// Create IFrame if it doesn't exist.
				if (!Dsq.frames['reply_' + id]) {
					var _meta = Dsq.jsonData.posts[id];
					Dsq.frames['reply_' + id] = new Dsq.ReplyFrame(Dsq.$('dsq-reply-frame-' + id), id);
					Dsq.frames['reply_' + id].init();
					Dsq.frames['reply_' + id].setState(id, _meta.depth);
				}
			} else {
				Dsq.$('dsq-reply-' + id).style.display = 'none';
				Dsq.$('dsq-reply-bar-' + id).style.display = 'none';
			}
		} else {
			// DEPRECATED
			if(!this.stateReplyToggled[id]) {
				// Reply toolbar
				Dsq.$('dsq-reply-bar-' + id).style.display = 'block';
				Dsq.Iframes.showReplyIframeInContainerIfAllowed(Dsq.$('dsq-reply-' + id), id);
			} else {
				Dsq.$('dsq-reply-bar-' + id).style.display = 'none';
				Dsq.Iframes.hideAllInContainer(Dsq.$('dsq-reply-' + id));
				if(this.stateRecordLink[id]) {
					// HACK: Cancel media before canceling self.
					this.toggleMediaReply(Dsq.$('dsq-media-link-' + id), id);
				}
			}
		}

		this.stateReplyToggled[id] = !this.stateReplyToggled[id];
		this._updateReplyLinks(el, id);

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE('dsq-reply-' + id); }

		Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_TOGGLED, {
			postId: id,
			opened: this.stateReplyToggled[id]
		});
	};

	this.toggleMediaReply = function(el, id, xtype) {
		id = id || 0;
		if(id) {
			var container = Dsq.$('dsq-reply-' + id);
		} else {
			var container = Dsq.$('dsq-post-add');
		}

		if(!this.stateRecordLink[id]) {
			Dsq.Iframes.showReplyIframeInContainer(container, id, {xtype:xtype}, 'dsq-post-video');
		} else {
			Dsq.Iframes.showReplyIframeInContainer(container, id);
		}
		this.stateRecordLink[id] = !this.stateRecordLink[id];
		this._updateMediaLinks(el, id);

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE(); }
	};

	this.edit = function(el, id) {
		Dsq.$('dsq-comment-message-' + id).innerHTML = Dsq.Templates.frameEdit(id);
		el.parentNode.style.display = 'none';
		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE('dsq-comment-message-' + id); }
	};

    this.rate = function(el, id, vote) {
		if(Dsq.jsonData.request.is_authenticated || Dsq.jsonData.forum.allow_anon_votes) {
			if(vote == 1) {
                Dsq.$('dsq-rate-cont-' + id).innerHTML = '<img src="http://media.disqus.com/images/loading-small.gif">';
            }

            Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/vote.js'
                + '?post_id='    + id
                + '&vote='        + vote);

		} else {
			Dsq.Popup.login(Dsq.Strings.TO_RATE_PLEASE_LOG_IN);
		}
    };

	this.report = function(id, confirmed) {
		if(confirmed) {
			Dsq.Utils.postToUrl('http://disqus.com/forums/consumerismcommentary/bad_implementation_high_speed_mortgage_payoffs/post_report/', {'post_id': id});
			Dsq.Popup.popModal('Thank you. This comment has been flagged for moderator attention.', 'Successfully flagged');
			Dsq.Utils.deleteNode(Dsq.$('dsq-post-report-' + id));
		} else {
			var title = Dsq.Strings.FLAG_INAPPROPRIATE_COMMENT;
			var message = Dsq.Strings.ARE_YOU_SURE_YOU_WOULD_LIKE_TO_REPORT_THIS_COMMENT_TO_A_MODERATOR + '? \
			<br /><br /> \
			<button onclick="Dsq.Popup._closePopup(null, true)"><strong>' + Dsq.Strings.NO + '</strong>, ' + Dsq.Strings.NEVER_MIND + '</button>&nbsp;&nbsp;&nbsp;<button onclick="Dsq.Post.report(' + id + ', true);"><strong>' + Dsq.Strings.YES + '</strong>, ' + Dsq.Strings.FLAG_INAPPROPRIATE_COMMENT + '</button><br /><br />'
			+ Dsq.Strings.THIS_WILL_FLAG_COMMENTS_FOR_MODERATORS_TO_TAKE_ACTION + '. \
			';

			Dsq.Popup.popModal(message, title, id);
		}
	};



	this.showAlert = function(id, msg) {
		var msgEl = Dsq.$('dsq-comment-message-' + id);
		var alert = '<div class="dsq-comment-alert">' + msg + '</div>';

		msgEl.innerHTML = alert + msgEl.innerHTML;
	};

};
// Dsq.Post


/**
 * Dsq.Thread
 */
Dsq.Thread = new function() {
	this.fc = null;
	this.ff = null;
	this.ac = null;

	
	this.adminIsOn = false;

	
	
	

	this.hlComment = null;
	this.hlCommentClass = null;

	this.getNextComment = function(el) {
		var start_id = el.id;
		while(el = el.nextSibling) {
			if(el.id && el.id.indexOf('dsq-comment-') != -1 && el.id != start_id) {
				return el;
			}
		}
		return null;
	};

	this.getActiveCommentId = function() {
		if (document.URL.indexOf('#comment-') >= 0) {
			var anchor = document.URL.slice(document.URL.indexOf('#') + 1);
			return anchor.replace('comment-', '');
		}
		return null;
	};

	this.highlightAnchor = function() {
		var i = this.getActiveCommentId();
		if (i == null) return false;
		var id = 'dsq-comment-' + i;
		var hash = window.location.hash;

		// Toggle the hash incase the comment isn't available when the page loads
		// for WebKit-based browsers.
		if (Dsq.Utils.webkit) {
			window.location.hash = '';
			window.location.hash = hash;
		}

		this.hlComment = Dsq.$(id);
		// Adding this conditional guard pending #289
		if (!this.hlComment) {
			return;
		}
		this.hlCommentClass = this.hlComment.className;
		this.hlComment.className += ' dsq-hl-anchor';

		setTimeout("Dsq.Thread.highlightClear()", 3000);
	};

	this.highlightClear = function() {
		if (!this.hlComment) {
			return;
		}
		this.hlComment.className = this.hlCommentClass;
	};

	this.login = function(toggle) {
		// toggle id is #dsq-reply-login-[id]
		var postId;
		if(toggle.id.indexOf('dsq-reply-login') != -1) {
			postId = toggle.id.slice(16);
			var container = Dsq.$('dsq-reply-' + postId);
		} else {
			var container = Dsq.$('dsq-post-add');
		}

		if(toggle) {
			if(toggle.className == 'dsq-login-active') {
				Dsq.Iframes.showReplyIframeInContainerIfAllowed(container, postId);
				toggle.className = '';
			} else {
				Dsq.Iframes.showLoginIframeInContainer(container, postId);
				toggle.className = 'dsq-login-active';
			}
		} else {
			Dsq.Iframes.showLoginIframeInContainer(container, postId);
		}

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE(); }
	};


	this.paginate = function(page, el_clicked, per_page) {
		// Use extra_params to pass any override parameters that we need to persist.
		var extra_params = '';

		// "Per page" can either be overriden by providing it as an argument
		// (per-call) or setting the disqus_per_page override variable (global).
		if(typeof per_page == 'undefined') {
			per_page = null;
		}
		if(typeof disqus_per_page != 'undefined' && per_page === null) {
			per_page = disqus_per_page;
		}

		if(typeof disqus_sort != 'undefined') {
			extra_params += '&sort=' + disqus_sort;
		}
		if(per_page !== null) {
			extra_params += '&per_page=' + per_page;
		}

		Dsq.$('dsq-pagination').innerHTML += '<img src="http://media.disqus.com/images/loading-small.gif">';
		
		if(el_clicked) {
			el_clicked.style.display = 'none';
		}
		
		Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/thread.js'
			+ '?slug='	+ 'bad_implementation_high_speed_mortgage_payoffs'
			+ '&p='		+ page
			+ extra_params);
	};

	this.sortBy = function(sort) {
		var disqus_script = document.createElement('script');
		var disqus_date = new Date();

		if (location.hash != '') {
			location.hash = '#disqus_thread';
		}

		if(typeof(disqus_url) == 'undefined') {
			disqus_url = disqus_href;
		}
		disqus_script.type = 'text/javascript';
		disqus_script.src = 'http://disqus.com/forums/consumerismcommentary/thread.js'
			+ '?slug='	+ 'bad_implementation_high_speed_mortgage_payoffs'
			+ '&sort='	+ sort
			+ '&title='
			+ '&'		+ disqus_date.getTime();

		Dsq.$('dsq-comments').innerHTML = '<img src="http://media.disqus.com/images/loading.gif">';
		Dsq.container.appendChild(disqus_script);
	};

	this.subscribe = function(status, email) {
		// `status` is an int -- 1 to subscribe, 0 to unsubscribe
		if(Dsq.jsonData.request.is_authenticated || email) {
			// If authenticated user OR anonymous email provided

			if(email) {
				Dsq.Popup._closePopup(null, true);
			}

			Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/subscribe.js'
				+'?status=' 	+ status
				+ '&slug='		+ 'bad_implementation_high_speed_mortgage_payoffs'
				+ '&email=' 	+ encodeURIComponent(email));

		} else if(!email) {
			// If anonymous user and no email has been provided yet, prompt for email

			var title = 'Subscribe to this comment thread';
			var message = ' \
				New comments will be sent directly to your email inbox! \
				<div class="dsq-subscribe-submit"> \
					<p><strong>Enter your email address below.</strong></p> \
					<input type="text" id="dsq-subscribe-email"> \
					<button onclick="Dsq.Thread.subscribe(1, Dsq.$(\'dsq-subscribe-email\').value)">Subscribe</button> \
				</div> \
			';

			Dsq.Popup.popModal(message, title);
		}
	};

	this.showSettings = function() {
		if (!Dsq.jsonData.request.is_moderator) {
			return;
		}

		/* The form has to be re-designed when more options will come out. */
		var html = 'Automatically close comments after <input size="3" id="dsq-thread-days-alive" value="' + Dsq.jsonData.thread.days_alive + '" type="text" /> days. Existing comments will still be displayed.<br /><br />(Using 0 days will disable this feature)<br /><br />'
								 + '<button onclick="Dsq.Thread.updateDaysAlive();" class="dsq-button-small"><span>Save</span></button>'
								 + '<span id="dsq-thread-settings-status" class="dsq-options-status"></span>';
		Dsq.Popup.popModal(html, 'Settings');
	};

	this.updateDaysAlive = function() {
		var days = Dsq.$('dsq-thread-days-alive').value;
		var status = Dsq.$('dsq-thread-settings-status');
		Dsq.Utils.postToUrl('http://disqus.com/forums/consumerismcommentary/update_days_alive.js', {days:days,thread:Dsq.jsonData.thread.id});
		status.innerHTML = 'Saved!';
		window.setTimeout(function() { status.innerHTML = ''; }, 1000);
	};
};
// Dsq.Thread

Dsq.Events = function() {
	var obj = {};

	// Private
	var handlers = {};
	var getHandlers = function(event) {
		if (handlers[event] === undefined) {
			handlers[event] = [];
		}
		return handlers[event];
	};

	// Public
	// Value keys : postId, node, xtype
	obj.REPLY_IFRAME_CREATED = 1;
	// Value keys : postId, opened
	obj.REPLY_IFRAME_TOGGLED = 2;
	obj.fire = function(event, opt_value) {
		if (!event) {
			throw new Error('Unknown event');
		}
		var value = opt_value || {};
		for (var i=0; i<getHandlers(event).length; i++) {
			getHandlers(event)[i](value);
		}
	};
	obj.addHandler = function(event, callback) {
		getHandlers(event).push(callback);
	};

	return obj;
}();

/**
 * Dsq.Realtime
 */
Dsq.Realtime = new function() {
	var initialized = false;
	var interval = null;
	var last_checked = Dsq.jsonData.request.timestamp;
	var new_posts = [];
	var ongoing_request = false;
	var prev_script = null;

	function updateNewPostCount() {
		Dsq.$('dsq-realtime-alert').style.display = new_posts.length ? 'block' : 'none';

		Dsq.$('dsq-realtime-queued').innerHTML = new_posts.length
		+ ' new '
		+ Dsq.Utils.pluralize(new_posts.length, 'comment', 'comments')
		+ Dsq.Utils.pluralize(new_posts.length, ' was', ' were')
		+ ' just posted.';

		Dsq.$('dsq-realtime-show').innerHTML = '(' + Dsq.Strings.SHOW + ')';
	}

	function insertNewPosts() {
		var post_id = null;
		var after_id = Dsq.$('dsq-sort-select').value === 'oldest' ? -1 : null;

		for (var i=0; i<new_posts.length; i++) {
			post_id = new_posts[i];
			Dsq.Post.insert(after_id, post_id, Dsq.jsonData.posts[post_id].message);
			Dsq.Post.incrementPostCount();
			Dsq.Post.outlineComment(post_id);
		}
		new_posts = [];
	}

	this.enableInterval = function() {
		interval = setInterval(Dsq.Realtime.check, Dsq.jsonData.context.realtime_speed);
		Dsq.$('dsq-realtime-status').innerHTML = Dsq.Strings.ENABLED;
		Dsq.$('dsq-realtime-toggle').innerHTML = '(' + Dsq.Strings.PAUSE + ')';
	}

	this.disableInterval = function() {
		if (interval) {
			clearInterval(interval);
			interval = null;
		}
		Dsq.$('dsq-realtime-status').innerHTML = Dsq.Strings.PAUSED;
		Dsq.$('dsq-realtime-toggle').innerHTML = '(' + Dsq.Strings.RESUME + ')';
	}

	this.toggleInterval = function() {
		if (!interval) {
			Dsq.Realtime.enableInterval();
		} else {
			Dsq.Realtime.disableInterval();
		}
		return false;
	}

	this.initialize = function() {
		if (!initialized) {
			initialized = true;
			Dsq.$('dsq-realtime-toggle').onclick = this.toggleInterval;
			if (!Dsq.jsonData.forum.streaming_realtime) {
				Dsq.$('dsq-realtime-show').onclick = this.show;
				updateNewPostCount();
			}
			if (Dsq.jsonData.thread.realtime_paused) {
				Dsq.Realtime.disableInterval();
			} else {
				Dsq.Realtime.enableInterval();
			}
		}
	}

	this.show = function() {
		insertNewPosts();
		updateNewPostCount();
		return false;
	}

	this.check = function() {
		if (!ongoing_request && Dsq.jsonData.realtime_enabled) {
			if (prev_script) {
				prev_script.parentNode.removeChild(prev_script);
			}
			ongoing_request = true;
			prev_script = Dsq.Utils.execScript('http://disqus.com/forums/42495297/realtime.js?timestamp=' + last_checked);
		}
	};

	this.update = function(timestamp, posts, users) {
		ongoing_request = false;
		last_checked = timestamp;

		if (users) {
			for (var user_id in users) {
				if (users.hasOwnProperty(user_id)) {
					if (!Dsq.jsonData.users[user_id]) {
						Dsq.jsonData.users[user_id] = users[user_id];
					}
				}
			}
		}

		if (posts) {
			for (var post_id in posts) {
				if (posts.hasOwnProperty(post_id)) {
					if (!Dsq.jsonData.posts[post_id]) {
						Dsq.jsonData.posts[post_id] = posts[post_id];
						new_posts.push(post_id);
					}
				}
			}

			if (Dsq.jsonData.forum.streaming_realtime) {
				insertNewPosts();
			} else {
				updateNewPostCount();
			}
		}
	};

}();

// DEPRECATED
Dsq.Iframes = function() {
	// Different style of object from the above. Hoping to switch to this for some reason.
	var obj = {};

	// Private
	var showIframeInContainer = function(container, id, markup) {
		// Look through container for iframes, hiding them, except show one that matches id
		// If none of them matched id, create a new iframe using markup and insert it.
		// Returns the iframe node if and only if it was newly created.
		var found = false;
		for (var i=0; i<container.childNodes.length; i++) {
			var child = container.childNodes[i];
			if (child.nodeName == 'IFRAME') {
				if (child.id == id) {
					child.style.display = 'block';
					found = true;
				} else {
					child.style.display = 'none';
				}
			}
		}
		if (found) {
			return;
		}
		// The iframe wasn't found, so construct it and add it to the container.
		// Don't use innerHTML because it might reload iframes
		var div = document.createElement('div');
		div.innerHTML = markup;
		var iframe = div.childNodes[0];
		div.removeChild(iframe);
		container.appendChild(iframe);
		return iframe;
	};

	// Public
	obj.makeReplyIframeId = function(opt_postId, opt_xtype) {
		var id = 'dsq-post-add-iframe';
		if (opt_xtype) {
			id += '-' + opt_xtype;
		}
		if (opt_postId) {
			id += '-' + opt_postId;
		}
		return id;
	};
	obj.makeLoginIframeId = function(opt_postId) {
		if (!opt_postId) {
			return 'dsq-login-iframe';
		}
		return 'dsq-login-iframe-' + opt_postId;
	};
	obj.makeReplyIframeName = function(opt_postId, opt_xtype) {
		var name = 'dsq-reply-frame';
		if (opt_xtype) {
			name += '-' + opt_xtype;
		}
		if (opt_postId) {
			name += '-' + opt_postId;
		}
		return name;
	};
	obj.showReplyIframeInContainer = function(container, opt_postId, opt_extraParams, opt_className) {
		// Construct the id so we can check if it's already present.
		// Hide any other iframes we find, and show this one if it's found.
		var params = opt_extraParams || {};
		// use xtype in the id and name so we can distinguish media replies from text replies:
		var id = Dsq.Iframes.makeReplyIframeId(opt_postId, params.xtype);
		var name = Dsq.Iframes.makeReplyIframeName(opt_postId, params.xtype);
		var attributes = {
			'id': id,
			'name': name,
			'class': opt_className || 'dsq-post-reply'
			};
		var markup = Dsq.Templates.frameReply(opt_postId, opt_extraParams, attributes);
		var iframe = showIframeInContainer(container, id, markup);
		// It was newly created
		if (iframe) {
			Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_CREATED, {
				postId: opt_postId,
				node: iframe,
				xtype: params.xtype
			});
		}
	};
	obj.showLoginIframeInContainer = function(container, opt_postId) {
		var id = Dsq.Iframes.makeLoginIframeId(opt_postId);
		var markup = Dsq.Templates.frameLogin({id: id});
		showIframeInContainer(container, id, markup);
	};
	obj.showReplyIframeInContainerIfAllowed = function(container, opt_postId) {
		if (Dsq.jsonData.context.show_reply) {
			obj.showReplyIframeInContainer(container, opt_postId);
		} else {
			obj.hideAllInContainer(container);
		}
	};
	obj.hideAllInContainer = function(container) {
		for (var i=0; i<container.childNodes.length; i++) {
			var child = container.childNodes[i];
			if (child.nodeName == 'IFRAME') {
				child.style.display = 'none';
			}
		}
	};

	return obj;
}();

Dsq.Twitter = new function() {
	var that = this;

	this.startTwitterConnect = function() {
		var popupParams = 'location=0,status=0,width=800,height=400';
		that._twitterWindow = window.open(Dsq.jsonData.settings.disqus_url + '/_ax/twitter/begin/', 'twitterWindow', popupParams);
		that._twitterInterval = window.setInterval(that.completeTwitterConnect, 1000);
	};

	this.completeTwitterConnect = function() {
		if (that._twitterWindow.closed) {
			window.clearInterval(that._twitterInterval);
			window.location.reload();
		}
	};
};

Dsq.Yahoo = new function() {
	var that = this;

	this.startYahooConnect = function() {
		var popupParams = 'location=0,status=0,width=800,height=400';
		that._yahooWindow = window.open(Dsq.jsonData.settings.disqus_url + '/_ax/yahoo/begin/', 'yahooWindow', popupParams);
		that._yahooInterval = window.setInterval(that.completeYahooConnect, 1000);
	};

	this.completeYahooConnect = function() {
		if (that._yahooWindow.closed) {
			window.clearInterval(that._yahooInterval);
			window.location.reload();
		}
	};
};

Dsq.OpenID = new function() {
	var that = this;

	this.requestURL = function() {
		var message = '<table class="dsq-openid-form"><tr><td style="vertical-align:top;" rowspan="2"><img src="' + Dsq.jsonData.settings.media_url + '/images/openid-icon-100x100.png" /></td>';
		message += '<td><label for="dsq-openid-url">OpenID URL:</label></td><td><input type="text" id="dsq-openid-url" /></td></tr>';
		message += '<tr><td><label for="dsq-openid-username">Display name:</label></td><td><input type="text" id="dsq-openid-username" /></td></tr>';
		message += '<tr><td class="dsq-openid-submit" colspan="3"><input type="button" value="Sign in" onclick="Dsq.OpenID.startConnect();" /></td></tr>';
		message += "</table>";

		Dsq.Popup.popModal(message, 'Sign in using OpenID');
	};

	this.startConnect = function() {
		var isblank = function(str) {
			return /^\s*$/.test(str);
		};

		var openid_url = Dsq.$('dsq-openid-url').value;
		var username = Dsq.$('dsq-openid-username').value;

		if (isblank(openid_url)) {
			return;
		}

		var popupParams = 'location=0,status=0,width=800,height=500';
		var url = Dsq.jsonData.settings.disqus_url + '/_ax/openid/begin/' + '?url=' + encodeURIComponent(openid_url) + '&username=' + encodeURIComponent(username);
		that._openidWindow = window.open(url, 'openidWindow', popupParams);
		that._openidInterval = window.setInterval(that.completeConnect, 1000);
	};

	this.completeConnect = function() {
		if (that._openidWindow.closed) {
			window.clearInterval(that._openidInterval);
			window.location.reload();
		}
	};
};

Dsq.Reaction = new function() {
	var that = this;

	this.hide = function(id) {
		Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/hidereaction.js?' + 'reaction_id=' + id);
	};

	this.reportMissingReactions = function() {
		if (!Dsq.jsonData.request.is_moderator || !Dsq.jsonData.forum.reactions_enabled) {
			return;
		}

		if (Dsq.jsonData.thread.queued) {
			Dsq.Popup.popModal('Your report has been received. The system will automatically search for new reactions; if any are found, they will be displayed on this comment thread.<br/><br/>Thank&nbsp;you.',
												 'Reported missing reactions');
			return;
		}

		Dsq.Utils.execScript(Dsq.jsonData.settings.disqus_url + '/forums/consumerismcommentary/queueurl.js');
	};
};

Dsq.CNN = function() {
	var obj = {};

	obj.authenticate = function() {
		var url = Dsq.jsonData.settings.disqus_url + "/saml/cnn/try/";
		Dsq.Utils.postToUrl(url, {'target': document.location}, true);
	};

	return obj;
}();


if(Dsq.Utils.ie6) {
	(function() {
		DSQ_HEADER_AVATAR_RE = /<div class="dsq-header-avatar"(.*?)>/gim;
		Dsq.Templates.registerFilter('postPrependHeader', function(html, post_id) {
			// Add "onmouseout" for dsq-header-avatar for dropProfile
			// functionality since IE6 cannot use :hover.
			function _headerAvatarReplace(content, inner, _unused, html) {
				return '<div class="dsq-header-avatar" '
					+ inner
					+ ' onmouseout="Dsq.Post.dropProfile(' + post_id + ')">';
			}
			html = html.replace(DSQ_HEADER_AVATAR_RE, _headerAvatarReplace);
			return html;
		});
	})();
}





	// TODO: Move Seesmic code outside of the main script.  Don't let this script clobber the global namespace.
	if(typeof seesmic == 'undefined') { var seesmic = {}; }
	seesmic.widget = new function () {
		this.callback = function (data) {
			playerVersion = data.disqusplayer;
		};
	};

	
	var scriptEl = document.createElement('script');
	scriptEl.setAttribute('type', 'text/javascript');
	scriptEl.setAttribute('src', 'http://seesmic.com/version.js?callback=seesmic.widget.callback');
	document.getElementsByTagName('head')[0].appendChild(scriptEl);

	
	var scriptEl = document.createElement('script');
	scriptEl.setAttribute('type', 'text/javascript');
	scriptEl.setAttribute('src', 'http://media.disqus.com/javascript/library/swfobject.js');
	document.getElementsByTagName('head')[0].appendChild(scriptEl);

	function see_play_video(_videoUri, _add) {
		var swf = !!playerVersion ? playerVersion : 'http://seesmic.com/embeds/StandalonePlayer.swf';

		flashcontentDiv = Dsq.$(_videoUri + '_content');
		previewDiv = Dsq.$('dsq-seesmic-' + _videoUri + '_preview');
		hideDiv = Dsq.$('dsq-seesmic-' + _videoUri + '_hide');
		showDiv = Dsq.$('dsq-seesmic-' + _videoUri + '_show');
		if(_add) {
			// push flash widget
			var so = new SWFObject(swf, 'sotester', '300', '270', '9', '#000000');
			so.addVariable('video', _videoUri);
			so.addParam('allowFullScreen', 'true');
			so.addParam('allowScriptAccess','always');
			so.useExpressInstall('swfobject/expressinstall.swf');
			so.write(_videoUri + '_content');

			previewDiv.style.display = 'none';
			hideDiv.style.display = 'block';
			showDiv.style.display = 'none';
		}
		else {
			flashcontentDiv.innerHTML = '';
			previewDiv.style.display = 'block';
			hideDiv.style.display = 'none';
			showDiv.style.display = 'block';
		}
	};





(function() {
	//
	// Load theme.  This overrides the base templates with template functions
	// from the respective themes.
	//
	if (Dsq.jsonData.integration.theme == 4) {
		var theme = 'narcissus';
		// HACK: Set variable on window to use post message.
		window.disqus_use_postmessage = true;

		
		for(var prop in Dsq.Themes[theme]) {
			if(Dsq.Themes[theme] && Dsq.Themes[theme].hasOwnProperty(prop)) {
				Dsq.Templates[prop] = Dsq.Themes[theme][prop];
			}
		}
		
		for(var prop in Dsq.Post) {
			if(Dsq.Themes[theme] && Dsq.Themes[theme].hasOwnProperty(prop)) {
				Dsq.Post[prop] = Dsq.Themes[theme][prop];
			}
		}
	}

	//
	// Register templates.  This must be done after all themes are loaded.
	//
	Dsq.Templates.registerTemplate('authPost', Dsq.Templates.authPost);
	Dsq.Templates.registerTemplate('header', Dsq.Templates.header);
	Dsq.Templates.registerTemplate('footer', Dsq.Templates.footer);
	Dsq.Templates.registerTemplate('trackbacks', Dsq.Templates.trackbacks);
	Dsq.Templates.registerTemplate('reactions', Dsq.Templates.reactions);
	Dsq.Templates.registerTemplate('prependPost', Dsq.Templates.prependPost);
	Dsq.Templates.registerTemplate('appendPost', Dsq.Templates.appendPost);
	Dsq.Templates.registerTemplate('postPrependHeader', Dsq.Templates.postPrependHeader);
	Dsq.Templates.registerTemplate('postAppendHeader', Dsq.Templates.postAppendHeader);
	Dsq.Templates.registerTemplate('preBody', Dsq.Templates.preBody);
	Dsq.Templates.registerTemplate('postBody', Dsq.Templates.postBody);
	Dsq.Templates.registerTemplate('postFooter', Dsq.Templates.postFooter);
	Dsq.Templates.registerTemplate('_popupGeneric', Dsq.Templates._popupGeneric);
	Dsq.Templates.registerTemplate('voted', Dsq.Templates.voted);
	Dsq.Templates.registerTemplate('popupProfile', Dsq.Templates.popupProfile);
	Dsq.Templates.registerTemplate('postBox', Dsq.Templates.postBox);
	Dsq.Templates.registerTemplate('pagination', Dsq.Templates.pagination);
	Dsq.Templates.registerTemplate('postComment_onSuccess', Dsq.Templates.postComment_onSuccess);

})();

Dsq.container.className = "clearfix";
Dsq.container.innerHTML = ' \
<ul id="dsq-comments">\
	 <li id="dsq-comment-21308215">\
	 <div id="dsq-comment-header-21308215" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308215" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308215">Craig</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308215" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308215" class="dsq-comment-message">And I thought ARMs and interest only mortgages were bad...  I wonder if this will hit the radio advertisement circuit soon.  Anything that gives such easy access to credit will likely be overused.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308216">\
	 <div id="dsq-comment-header-21308216" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308216" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308216" href="http://franksatheisticramblings.blogspot.com/" target="_blank" rel="nofollow">frank</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308216" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308216" class="dsq-comment-message">I think these are pretty common in the UK</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308217">\
	 <div id="dsq-comment-header-21308217" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308217" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308217" href="http://beyondtheconsumer.blogspot.com/" target="_blank" rel="nofollow">Chris</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308217" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308217" class="dsq-comment-message">I looked at this program too (my own opinion is in my blog). Near as I could tell based on the numbers they were giving, you\'d save a heck of a lot more by just paying extra into a conventional loan rather than taking out a HELOC and doing all their tricks.<br><br>Didn\'t like the fact that they did not once mention the risk involved in such a huge variable rate revolving loan.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308218">\
	 <div id="dsq-comment-header-21308218" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308218" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308218" href="http://www.thesimpledollar.com/" target="_blank" rel="nofollow">Trent Hamm</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308218" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308218" class="dsq-comment-message">These are also known as money merge accounts.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308219">\
	 <div id="dsq-comment-header-21308219" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308219" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308219" href="http://www.lazymanandmoney.com/" target="_blank" rel="nofollow">Lazy Man and Money</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308219" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308219" class="dsq-comment-message">My feeling with this is the flexibility costs you too much (as Flexo mentioned).  What happens if you need to replace a air conditioning unit or something like that.  Suddenly you are taking out $2000 at 8+% interest.  You would have better off investing the surplus and then using it to pay off the air conditioning unit as necessary.<br><br>Now if they\'ll let you take your money back out for free, then you\'ve got my attention.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308220">\
	 <div id="dsq-comment-header-21308220" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308220" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308220" href="http://www.cashmoneylife.com/" target="_blank" rel="nofollow">Patrick</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308220" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308220" class="dsq-comment-message">I agree with Frank. I\'ve had a friend in the UK who had one of these. He said they are fairly common.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308221">\
	 <div id="dsq-comment-header-21308221" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308221" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308221" href="http://www.QuarterlifeFinance.com/" target="_blank" rel="nofollow">Phil</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308221" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308221" class="dsq-comment-message">I think that this is a very interesting concept - but fails on a two major points.  <br><br>1. A HELOC is typically going to have a significantly higher interest rate than a traditional first mortgage, even if the HELOC is placed in first lien position.  So this plan will cost more in interest than simply maintaining a traditional first mortgage.<br><br>2. Paying down your mortgage with every cent of surplus cash is a bad idea!  Liquidity is massively important.  Emergency savings first, then max out retirement accounts, then and only then should you consider mortgage prepayments.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308222">\
	 <div id="dsq-comment-header-21308222" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308222" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308222">Bill</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308222" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308222" class="dsq-comment-message">Over the past few months I\'ve heard more and more about these "money merge accounts" or MMA, especially the one offered by United First Financial (UFirst) for $3500.  I finally was able to go to one of their "presentations" and hear it straight from the horse\'s mouth.  <br><br>Basically, they tell you how you can pay off your mortgage in 7 or 8 years and save $100,000 or more in interest by buying their program.  What they gloss over really fast is that it all depends on applying ever last penny to the principal.  <br><br>They also use deceptive tactics to make it look like you\'re paying off you mortgage faster than you actually are (i.e. they emphasize the mortgage balance decreasing by $10,000 after one year, but don\'t mention that you\'ve got a $9,000 balance on the HELOC).  <br><br>This UFirst is basically just another multi-level marketing scheme and with all the sleazy sales people just now getting onboard, we\'re going to be hearing a lot more about this in the months and years ahead.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308223">\
	 <div id="dsq-comment-header-21308223" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308223" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308223">Jay</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308223" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308223" class="dsq-comment-message">Hello everyone....<br><br>It\'s a shame that many don\'t do their due diligence when it comes to a new product introduced on the market.  There are a number of mortgage acceleration programs available on the market these days and most people, including what I\'ve read in this blog, sadly lump them into the same category.  <br><br>When I first learned about the concept,  I was introduced to the Money Merge Account from United First Financial,  I looked into all of the programs available on the market to see which preformed the best for our situation. <br>When I completed my research, we purchased the Money Merge Account.<br><br>We\'re investors and we weren\'t looking to pay off our mortgage, we were looking to build equity faster and re-leverage our money to buy more properties.  This program is helping us to do this...and our HELOC balance doesn\'t keep rising as many like to believe and it doesn\'t take every penny of our surplus funds to pay down the principal balance either.  <br><br>Yes....we are scheduled to pay off our 415K mortgage in 6 years and 7 months, and will save over 479k in mortgage interest.  I would challenge anyone to run the numbers with any other product on the market..I have...and couldn\'t achieve the same results. <br><br>Oh.....as for air conditioners...we just replaced our A/C system in one of our rental properties...at a cost of $7500. We paid for it with our Amex business card (air miles), then wrote a check from our HELOC and paid the Amex.  The A/C will paid for in a couple months, any interest we paid is tax deductible and the time to pay off our home only increased by 2 months. <br><br>It never ceases to amaze me how judgemental people be....Who cares how a company takes their product to market?  If it is a quality product that works, then buy it...if not...don\'t. <br><br>I am not sure what industry Bill is in, but I am sure that whomever he works for makes a percentage from the work that he produces.....And most likely his bosses boss will get some type of compensation for the work his team produces.   <br><br>Here\'s a clip from Channel 3 new in Las Vegas that actually did their due diligence. <br><br><a href="http://www.youtube.com/watch?v=P5ibPz5mIzE" rel="nofollow">http://www.youtube.com/watch?v=P5ibPz5mIzE</a> <br><br>Best of luck to you all.....</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308224">\
	 <div id="dsq-comment-header-21308224" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308224" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308224" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308224" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308224" class="dsq-comment-message">Jay: Your comment was one of several comments defending this product.  The others were caught by the spam software, but yours doesn\'t sound like spam so I let it through.  You do realize of course that you could have had a traditional mortgage and accelerated the payments yourself?  Do you also realize that with ALL of your expenses being paid by the HELOC, everything you do will be charged interest?  Yes, it\'s tax deductible, but you still pay interest, as the tax deduction effectively reduces your interest rate, it doesn\'t eliminate it.  Do you also realize that you now have a variable interest rate, which means that at any time the bank can raise your interest rate, extending the length of your mortgage?  <br><br>The product has worked for you so far.  Check back with us seven years from now.  You would have been better off with a traditional fixed-rate mortgage with your own accelerated payments.<br><br>Media reports from local television stations are often provided by the companies offering the products for filler when there isn\'t other news... typical in the pharmaceutical industry, fairly new in the financial industry.  In fact, considering a recent string of spam that sounded much like your comment, linking to YouTube (?) and some other "sources," I wouldn\'t be surprised if some company is trying to use this blog as some part of their marketing campaign, posting with fake names.  Obviously, I can\'t allow that. :-)</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308225">\
	 <div id="dsq-comment-header-21308225" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308225" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308225">Deloris</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308225" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308225" class="dsq-comment-message">Flexo:<br><br>I just wanted to respond to your comments. I am a user of this type of product and I know that I can accelerate my mortgage payoff on my own. After I actually took an up close look at the product and did my research I found that this product does a lot more than I would ever do on my own. Could I so something similar on my own, probably, did I or would I, no. <br><br>Your comment of "Do you also realize that with ALL of your expenses being paid by the HELOC, everything you do will be charged interest?" This is innacurate. With the product that I use it determines the lowest possible balance on your Heloc while determining the balance for greatest interest reduction on your primary mortgage. Your income deposited against the balance on your Heloc eliminates almost all of the interesst that would regularly be charged on the Heloc.<br><br>Also, your comment of: "Do you also realize that you now have a variable interest rate, which means that at any time the bank can raise your interest rate, extending the length of your mortgage?"  This is also inaccurate. The program that I use does not require you to refinance your existing mortgage. If you already have a low 5% first mortgage you can keep it. The program I use only works with a Heloc secondary to the existing primary mortgage. Because of this fact, if your interest rate rises on your Heloc from say 8% to 18% it only effects your payoff by about 2 - 3 months. This means that you could go from a 10 year payoff to about a 10.3 year payoff instead of 30 years.<br><br>You can erase these comments if you want, but I am a real user of this program. This is not an advertisement, I didn\'t even mention the name of the product I am using. The information I have listed is fact based on using the product. Please leave this information up if you are intersted in a comment from someone who actually uses the product.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308226">\
	 <div id="dsq-comment-header-21308226" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308226" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308226">Wyman</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308226" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308226" class="dsq-comment-message">I am grateful that I can learn what others are saying about this mortgage reduction program, as it helps me increase my own understanding.  This is not the place for me to correct the many errors that are contained in most of the comments so far.  My only comment is that it is amazing how far down the wrong road people will go with just a surface skimming of a topic, and not do their homework or fair analysis of something that has been in existence (and working) for several years in other countries, is based on a simple princple- math - and is perfected and made more user friendly by good ol\' American ingenuity.  It is disappointing to see so much negativity and "closed mindedness" in discussing a "no brainer" principle and topic.  I don\'t like criticizing other\'s comments, and many of the questions and objections brought up are valid and can be answered, so I would hope that more people would take the time to always look for the real answer and benefit from what enlightenment they gain.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308227">\
	 <div id="dsq-comment-header-21308227" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308227" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308227" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308227" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308227" class="dsq-comment-message">Deloris: The product I am referring to is the product described in the CNN article -- a replacement for a first mortgage... as in an option for the first phase of buying a house.  Your product as you say is "secondary to the existing primary mortgage."  Right off the bat, you\'re talking about something different than what I am talking about.  <br><br>Perhaps they are both called "mortgage accelerators" but it\'s clear from the CNN article and your descriptions that these are *not* the same products.<br><br>I also encourage potential customers or mortgage accelerators to do their due diligence -- for some reason, these seems to be a lot of debate on this topic and a lot of misunderstanding across the board, in addition to strong marketing tactics.  Even though it\'s simple math and psychology.<br><br>Banks that offer this program aren\'t doing it out of the goodness of their hearts for the customers\' benefit.  If they weren\'t making money -- MORE money than they would be with a traditional first mortgage -- then these products would NOT be marketed (with "news stories" on local television news stations and spam attacks on blogs) NOR would they even be offered.  The customers targeted in these advertisements are the same people who are now finding it difficult to get "traditional" mortgages due to the sub-prime meltdown.<br><br>What if you want to put some of your paycheck into savings or investments assuming you have income to do so?  Now you would have to *borrow* from your HELOC to do so.  In many cases, long-term investing pays off better than accelerated mortgage payments, but with your entire paycheck going to your mortgage, this option becomes prohibitively expensive.  As the benefits from paying off a mortgage early are guaranteed, I can\'t fault anyone for wanting to take that path instead of investing... but using a line of credit for all expenses may help to pay off a mortgage early, but at the expense of the rest of your finances, *particularly* if for any one period your expenses outweigh your income.<br><br>As Wyman implied, do your own research... but try to ignore the pitches from marketers and the salesmen.  In the worst case scenario, your mortgage is paid off earlier but you\'re still tens of thousands of dollars -- or more -- in debt with the line of credit, and no savings or investments to show for it.  In the best case scenario, it works, but you probably could have saved money by accelerating the payments on a fixed mortgage yourself.<br><br>By the way, I\'ve done the research and the United First Financial Money Merge Account (mentioned above and in numerous spam messages already deleted) is a *Multi-level Marketing Scheme* (MLM) and is marketed through what is called "The Jubilee Project."  Though they claim to be independent, they have a stake in pushing this particular product.  Stay far away from these people.  Multi-level Marketing Schemes are dangerous and it is *impossible* to get unbiased information from those involved because everyone believes they have a stake in "converting" others.  Several "Jubilee Consultants" have tried to post *spam* on Consumerism Commentary.  I encourage anyone who is interested in these products to *stay away* from this group, and if you must use a HELOC combination to pay off your home, find a program where you can get unbiased opinions from existing customers.  <br><br>Reading the Jubilee Project\'s blog, which you can find on your own, this sounds more like a *religion* in which the object is to *convert non-believers,* not sales of a financial product.  *BIG WARNING* This type of marketing connects with a big portion of consumers in this country, and I\'m sure I\'ll get nasty notes in response, but find another option than being involved in a movement where families rather than employees are courted to sell the product.  It\'s a horrible, manipulative marketing technique, but it has worked well for Tupperware, Mary Kay, Amway, Quixtar, etc.<br><br>Here is how the United First Financial "Money Merge Account" is sold via a Multi-Level Marketing Scheme, from an example website for an agent provided by The Jubilee Project:<br><br><blockquote>Commissions start at $900 per sale as an \'Associate\' and increase to $1575 per sale as a \'Branch Manager.\' For each five sales you make, your profit increases until you reach Branch Manager. You can accomplish this completely solo, or hire and train a team of new Agents to work with you to increase the volume of sales. The choice is completely up to you. This Program has proven to be the perfect opportunity for Mortgage Brokers and Loan Officers, Insurance Salesmen, Real Estate ProfessionalsÃ¢â‚¬Â¦and especially previous clients on the program themselves.</blockquote><br><br>When customers begin to have a financial stake in converting others and in having others sell for them, you\'re treading on shaky ground and no one involved in the program can be trusted for unbiased opinions.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308228">\
	 <div id="dsq-comment-header-21308228" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308228" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308228">clay</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308228" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308228" class="dsq-comment-message">Flexo,<br><br>I agree with your recommendation of people doing their due diligence. I have done mine. Because of my research, I have an answer to your statement of: "What if you want to put some of your paycheck into savings or investments assuming you have income to do so? Now you would have to borrow from your HELOC to do so."<br><br>As you have made some very strong statements against the company name of United First, I assume you are talking about their product in this statement. If you are, you need to know that many of the homeowners using their product actually use their product to pay down their mortgage, in addition to investing. If someone wants to invest, they simply do not deposit their investment money into their mortgage acceleration program, thus they do not have to borrow any money back to invest. This product is not intended as an alternative to investing. It is designed to work in conjunction. I personally know a lot of the homeowners using this product and they are very financially savvy. I personally know one of the heads at a major national bank that is using the product and he has used it to pay down his principal and also has a large investment portfolio.<br><br>I have found that the reason this subject is so scrutinized by "some" is because they make their commissions advising people to invest in multiple investments, and they feel that this type of product threatens their income. Nothing could be further from the truth. For those who can see it, this type of product opens doors for multiple advantageous financial products. It also makes borrowers better borrowers. It helps people to lower their debt instead of continually increasing it. That is one reason the banks like it, not because "Banks that offer this program arenÃ¢â‚¬â„¢t doing it out of the goodness of their hearts" as you previously stated.<br><br>As Deloris said, this information is fact. If you choose to erase it, that is your option. I do not mean to be confrontational, but as Wyman stated Ã¢â‚¬Å“It is disappointing to see so much negativity and Ã¢â‚¬Å“closed mindednessÃ¢â‚¬Â? in discussing a Ã¢â‚¬Å“no brainerÃ¢â‚¬Â? principle and topic. I donÃ¢â‚¬â„¢t like criticizing otherÃ¢â‚¬â„¢s comments, and many of the questions and objections brought up are valid and can be answered, so I would hope that more people would take the time to always look for the real answer and benefit from what enlightenment they gain.Ã¢â‚¬Â?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308229">\
	 <div id="dsq-comment-header-21308229" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308229" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308229" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308229" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308229" class="dsq-comment-message">Clay: You say, "If someone wants to invest, they simply do not deposit their investment money into their mortgage acceleration program, thus they do not have to borrow any money back to invest." Whereas this particular program instructs people to deposit their entire paycheck into the program, there will be no funds available for investing, as most people use a portion of their paycheck to invest.  I agree that money should be set aside for investing but the philosophy of this and some other HELOC-mortgage programs is that all money not expensed goes towards the HELOC-mortgage.  This leads us to this question -- if you\'re NOT depositing your entire paycheck into the HELOC-mortgage, you are at least partly managing your own money -- why bother paying several thousand dollars to enroll in the "program?"  <br><br>I\'m not sure where some of the program\'s supporters are claiming that those who criticize the program are making commissions.  I don\'t make any commissions selling any products.  It\'s the Jubilee Project members who have a financial stake in "converting" others.  I just try to help people make informed decisions.  <br><br>I agree that programs like this "make borrowers better borrowers" for the reason that they simply tie all their money up with the banks and the holders of the HELOC-mortgage accounts.  If you\'re already a "better borrower," you don\'t need someone holding your hand to make your own accelerated mortgage payments.  You don\'t need to tie up your *entire paycheck* and force yourself to borrow from "yourself" (although the interest payments don\'t go to yourself).  Some people will benefit from hand-holding and forced paycheck depositing... but that comes at an expense when compared to self discipline, high-yield savings, healthy long-term investments, and a steady accelerated paydown of a *fixed-rate* mortgage.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308230">\
	 <div id="dsq-comment-header-21308230" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308230" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308230">clay</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308230" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308230" class="dsq-comment-message">Flexo,<br><br>You state that the program "instructs people to deposit their entire paycheck".<br><br>Those who do not wish to put their money in "investments" can choose to deposit their entire income against their mortgage, but those who wish to invest are able to run scenarios in their software which shows them what their end payoff result would be on their mortgage depending on how much they would like to leave out of the program for investments.<br><br>To say that this program advises people not to invest simply goes against the true value of the product. If you take a closer look at the product, you will find that it is specifically geared to enable people to see what their results would be if they only want to payoff their mortgage or if they also want to leave money out for investments.<br><br>Also, investment advisors all over the country are now using this program to show their clients different options. Many of the investment advisors state that they love the program because it give their clients who would like to invest and payoff their home at the same time more options to do so.<br><br>I appreciate your comments. Thanks for your time.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308231">\
	 <div id="dsq-comment-header-21308231" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308231" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308231">Fred</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308231" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308231" class="dsq-comment-message">I have been in the loan business for a long time. I heard about this concept and was skeptical like most people. After extensive research, I realized that this concept is real. I made it my mission to help homeowners by educating them about how it works. I needed to become a rep for one of these companies, in order to offer a product for homeowners. I selected a company that I thought had by far the best software at a much more reasonable price. It is not the company mentioned in this blog. I do earn something from it, but I feel great knowing that I\'m helping others in the process. Let me see if I can turn you around by going back to basics...<br><br>This concept is simple. First, I think it is well known that if you put any additional money toward your principal now, you will save a significant amount of interest due to the "Time Value of Money"...30 years of savings is a long time.<br><br>Next, you have your checking account. Obviously, this is used to deposit your income and pay your expenses. The interest the bank pays on this is small or none.<br><br>If you could put these 2 together, it would be great. Then, when you deposit your income, it would immediately be applied toward your mortgage, and you would begin to save time and interest, just like you made an extra payment. Later in the month, you pay your bills and your loan amount goes back up, but not as high as before (because you need to earn more than you spend for this program to work). The net effect is that you save a lot by applying your income directly to your mortgage right now (like making extra payments), and also by "floating" your expenses for say a few weeks before they\'re due. Using money management and simple math, your money is working harder for you. It\'s stagering how much interest you will save over time.<br><br>In the U.S., the only way to put these together is to use a HELOC as the tool. You simply use the HELOC like you now use your "checking" account. The HELOC is your emergency fund in case you have any unexpected expenses. In using a HELOC, you will pay some interest on the outstanding balance, but you save so much more in interest on your 1st mortgage. It\'s like using other people\'s money.<br><br>My reply to other comments in these posts...<br>1) Investment: This BECOMES your investment. If you can get a better guaranteed return with something else, this program isn\'t for you.<br><br>2) United First: It\'s expensive and it does feel like an MLM. This drives up the price. There is a cost to become a rep and many of them are untrained. That\'s why I didn\'t choose them.<br><br>3) The interest rate is higher on a HELOC but it is calculated differently than a 1st mortgage. Therefore, the actual cost of interest on a HELOC is much less than the actual dollars saved in putting it toward the 1st.<br><br>4) Some companies sell this by replacing your entire 1st with a HELOC. This is extremely risky and you pay the costs for the refi.<br><br>5) It was stated that the banks don\'t offer this program "out of the goodness of their hearts". You\'re right, banks manage money in a smart way. But they\'re not the ones offering this product. It\'s offered by a handful of companies selling this program, like the one I chose to represent. The program teaches you to think smart like a bank...banks pay a low return to its depositors and then lend it out at higher rates. Homeowners pay some interest on their HELOC to save much more on their 1st mortgage, just like a bank!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308232">\
	 <div id="dsq-comment-header-21308232" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308232" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308232">Len</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308232" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308232" class="dsq-comment-message">I have a degree in finance and everyone is leaving out several key components here leading me to believe that either there is a lack of finance knowledge or just no desire to make a paradigm shift in their thinking.  <br><br>The first is that mortgages use an amortization schedule with a fixed daily interest charge to calculate your interest and principal amounts to be allocated to your mortgage.  Thus daily compound interest.  Interest assessments do not stop unless you pay a full mortgage payment and then pay an additional payment to reduce the mortgage balance.  <br><br>Secondly, the HELOC, if set up right, calculates interest on the average daily balance using a simple interest method meaning you are not paying interest on your interest charges.  <br><br>So let\'s use an example . . . <br><br>I have seen several people say "invest first and accelerate your mortgage second".  Using that premise.  Let\'s say I invest $10,000 in a stable sound investment earning 7.2% which is way high in today\'s market for a no-risk investment.  In 10 years, I will have $20,000 due to the rule of 72 which says that if you get 72 and divide it by an interest rate 7.2 for 7.2% your money will essentially double (the answer 72/7.2=10 or 10 years). <br><br>If I take the same $10,000 and pay it on my mortgage and use an accelerator program paying off my mortgage in 8 to 13 years, I will save over $20,000 in interest including the interest I pay on my HELOC.  The system is essentially a coach showing you daily, weekly or monthly, how spending your money will effect how you can pay off your mortgage.  <br><br>Which would you rather have $20,000 in 10 years or additional equity you can use much much earlier to compound your investment opportunitiesa and generate $30,000 to $100,000 in the same 10 years?<br><br>If this is such a "bad systematic attempt by mortgage companies to get your money" . . . why does the company not do mortgages?  Secondly, why do we use credit cards and pay off the balance each month to avoid paying interest.  IT\'S A MATTER OF MATHEMATICS!!!<br><br>DO THE MATH.  UNDERSTAND IT ALL FROM A MATHEMATICAL STANDPOINT OR DROP THE SUBJECT AS IT IS OBVIOUS THERE IS A LACK OF UNDERSTANDING AND KNOWLEDGE ON THE SUBJECT.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308233">\
	 <div id="dsq-comment-header-21308233" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308233" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308233" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308233" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308233" class="dsq-comment-message">Len: You\'re making two big assumptions.  First, that the option of investing or paying off the mortgage is available as a lump sum of $10,000 at the outset.  That\'s not usually the case -- money in invested (or paid to the mortgage) over time, lowering your investment IRR.  This may support your argument.<br><br>On the other hand, you say: "Which would you rather have $20,000 in 10 years or additional equity you can use much much earlier to compound your investment opportunitiesa and generate $30,000 to $100,000 in the same 10 years?"<br><br>The only way to "use" that equity is as a loan on the value of the property or to sell and realize the cash.  If you sell, you no longer have a place to live, but if you take a loan, you just have more interest to pay.  Paying 6% interest to earn 7.2% in equities doesn\'t even beat inflation.<br><br>It has become clear that different companies offer different products with different features and fees.  <br><br>The bottom line is that the customer should be *skeptical* and *perform due diligince* before signing up for any kind of "program," *especially ones designed in a pyramid-shaped scheme* in which users are expected to become ambassadors and salesmen, and are *compensated for conversion of others.*</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308234">\
	 <div id="dsq-comment-header-21308234" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308234" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308234">Andy</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308234" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308234" class="dsq-comment-message">My money merge account.  A Mortgage, a savings account and a rewards credit card.  That is all you need, if you have the desire to pay off your mortgage early.  <br><br>Just pay all of your bills with the credit card.  Keep all of your income in the savings account or high interest checking account.  Than at the end of the month when your credit card bill comes due, pay it off and apply the rest to your mortgage principle. <br><br>You don\'t need fancy software to tell you when to apply this and when to do that.  I\'ve ran the numbers based on a $100,000 mortgage and $5,000 in income and the difference is minimal at best. With a slight edge to using the card and savings account. Both assumed no credit card debt and $2200 - $3000 in monthly bills.   <br><br>I\'ve ran it without the use of a high interest savings account and a rewards card and used the optimal effect on the merge account and the best possible scenerio gives the money merge account a $1200 or so edge.  Again that is at absolutely optimum results. <br><br>If you have to pay a fee or money up front, it will cost you money to use the system.  That money when added to the original mortgage tilts heavily in favor of using a card and a savings account.<br><br>There are better ways to invest than paying off your money early, especially if you have a low fixed rate, but the satisfaction of being truely debt free has it\'s advantages.<br><br>IMO, I would not use a money merge account.  I don\'t need a tool to force me to pay extra on my mortgage.  If you have the discipline and you choose to do so, you can accelerate your mortgage just as easily as this program and it costs you nothing.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308235">\
	 <div id="dsq-comment-header-21308235" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308235" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308235">Fred</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308235" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308235" class="dsq-comment-message">Flexo, I understand your skeptism (I was too). You seem to be saying that this system isn\'t good. The question I have for you is, Do you agree that this system works? Mathematics say it does and they don\'t lie. Once we all agree that it works, then we should talk about the exceptions, alternatives and why this program isn\'t for everybody. Any homeowner should at least look at the benefits this program can bring, in addition to exploring other options. I represent a company that is not an MLM and they sell a better program for under $2000. I\'m spreading the word to help people first...if I receive earnings from it as well I\'ll sleep just fine at night. You started this post, but I can tell by your comments that you don\'t have the same understanding about the system that I have. The system does work. If one has other options to get a better ROI, fine. But for so many who don\'t have money to invest, this is a great way to create a return. I\'d like to see how you respond to a basic scenario where someone doesn\'t have savings to invest and comes across this product. How would you advise them?<br><br>Andy, not everyone has a savings and certainly most do not have the discipline required. People can lose weight on their own but so many invest money to keep them motivated. The software tracks optimum results and gives homeowners motivation to stay disciplined. You\'re right, you need a tool to accomplish accelerating your mortgage, but for those without savings, the Heloc works best. Even if you do have savings why not use a Heloc and put your savings toward reducing your mortgage even faster? You\'ve put so much effort into your method, why not go the last mile and save the maximum amount possible? You see, you\'re missing one important component with your method. If you want to reduce your mortgage as quickly as possible, you want to get all of your income applied to it as quickly and abundantly as you can. It\'s the basic Time Value of Money concept. You\'re talking about adding smaller amounts to your principal later (whatever is left over and the end of the month). Doing that, you missed an opportunity to receive the greatest impact on reducing principal by applying all of your income to it now! What you\'re doing is very good, but I assure you that in using the software and following the program, your results will be even better and the software will more than cost justify itself. If you set up a Heloc and immediately pull $5000 from it to reduce your 1st, the impact of that over 30 years is huge, vs. adding a smaller amount that\'s left over. Why not take advantage of using OPM? Sure it will cost you some in Heloc interest, but far less that the savings impact on your 1st. There is still an ROI.<br><br>FYI...the phrase Money Merge Account, was coined by that MLM company that many think is way too expensive.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308236">\
	 <div id="dsq-comment-header-21308236" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308236" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308236" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308236" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308236" class="dsq-comment-message">Fred: I see from your email and URL that you have a financial interest in generating leads for your particular product.  So putting that aside, some of these products are good, some are not as good.  Even the good products should not be used by individuals who would abuse the easy credit.  It\'s a slippery slope.  The opportunities for saving money are good, but there are no blanket statements that can be made.   This is why I wrote my original comments about one particular product that is a bad implementation of what could be a good concept.  I\'m all for taking advantage of OPM -- as long as the OP aren\'t taking advantage of me and my M at the same time.  <br><br>No cash-equivalent emergency fund?  Spending more than you\'re earning?  If you answer yes to either, these products are <i>not</i> for you.  They are not for the basic financial support needed in life, but if you have the extra cash and you want to pay down your mortgage faster, then <i>evaluate your options from *unbiased* sources</i> -- those with knowledge but no financial interest in your decision -- and find something that works for you whether it\'s a financial planner providing you with the calculations, doing the math yourself, or buying an expensive piece of software.  And as always, *steer clear of <i>any</i> pyramid schemes* or customers-turned-evangelical-salesmen.<br><br>If you *don\'t* have the discipline to save on your own, and you need the hand-holding that the software offers, then you never solve the *real* problem with anything but a temporary band-aid... and chances are you won\'t succeed with the software without some sort of discipline, anyway.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308237">\
	 <div id="dsq-comment-header-21308237" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308237" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21308237">Fred</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308237" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308237" class="dsq-comment-message">Hi Flexo. I\'ve been clear from the onset that I do represent a company. I do have a financial interest in generating leads, but as you can see, I\'ve not once tried to solicit. I view myself as an advocate, educator or as you mentioned, a financial planner (they do get paid for dispensing advice too). Prior to selling my product, I did my due diligence and became a believer, without receiving any compensation. It was then when I decided to spread the word. I agree with you about UFF. I don\'t like their structure. If they were the only game in town I would have considered working with them just to get the word out. But I know much better after doing extensive research. My writings here have been and will continue to be limited to being informative, not selling my product. Knowing what I know, I\'d be saying the same thing if I had nothing to sell.<br><br>You originally wrote about it being a bad idea to put your entire loan into a Heloc. I totally agree. It\'s too risky.<br><br>In addressing a few of your comments on your last post in order...A blanket statement that can be made is that this system mathematically works. No one takes advantage of you. It\'s you who takes advantage of OPM. The Heloc becomes your emergency fund. If you spend more than you earn the program mathematically does not work. There is no quick fix for that situation. You do not need extra cash to implement this program. That\'s the beauty of it. Last and most important, most people don\'t have the discipline. What the software does is so much more than tracking. It becomes a motivator. When you begin to see how much money and time you will save on this program, you will begin to scrutinize the way you spend money each month. It is the dangling carrot that drives you to cut your costs so that money can be used toward reducing your mortgage. It actually creates an environment of discipline for homeowners. I guarantee that those using this program know so much more about their financial position and the impact of their expenditures than ever before. What better way to educate people than to give them hundreds of thousands of reasons to learn?<br><br>It took me some time to get past my skeptisism. I feel that you\'re almost there. Who knows, maybe you\'ll end up helping me spread the word? To make this work, one should get a Heloc (as a 2nd only) to use as a tool. You use it just as you now use your checking account, so it doesn\'t get out of control. The software keeps you on track and forces you to take a closer look at your budget than currently. It\'s that simple. You can save hundreds of thousands. I\'d gladly spend $2000 (which I finance through the Heloc) to accomplish this, assuming I don\'t have savings or another vehicle to acheive a better ROI, wouldn\'t you? Check out my site...I couldn\'t be any more straightforward. I must admit, this is the most honest product I have ever marketed.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21308238">\
	 <div id="dsq-comment-header-21308238" class="dsq-comment-header">\
	 <cite id="dsq-cite-21308238" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21308238" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21308238" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21308238" class="dsq-comment-message">Fred, we can go back and forth on this ad infinitum.  You believe in your company, that\'s great, and maybe your program is just peachy, but again, you can\'t make a blanket statement about all systems out there.  In your last comment you mentioned several aspects of this software than can be accomplished *completely free.*<br><br>First of all, when it comes to motivation, one person\'s motivation is another\'s demotivation.  Secondly, if tracking finances is a motivator for someone, this can be accomplished for free with web based products or freeware software.  Sure, people who look at their finances in any sort of software are more knowledgable about their financial position than those who don\'t.  That\'s not unique to a certain mortgage payment planning software.  <br><br>You make it sound like getting past skepticism should be a goal; it absolutely is not.  The only way to learn about anything is to ask scrutinizing questions, not blindly go with what someone is trying to sell you.  Everything you mentioned in the above post can be accomplished without paying $2,000 of hard-earned money, certainly not financed by debt when one cannot afford it.  That is just plain bad advice.  Not a good use of OPM.<br><br>I\'m not going to discuss this with any salesmen any further.  Comments here are closed.</div>\
	 </div>\
	 </li>\
	 </ul>\
';

(function() {
	
	





Dsq.Debug.profile(function() {
	if(Dsq.jsonData.request.page == 1 && Dsq.jsonData.request.is_initial_load) {
		Dsq.container.innerHTML = Dsq.Templates.header() + Dsq.container.innerHTML + Dsq.Templates.footer();
	}
	Dsq.$(Dsq.curPageId).innerHTML = Dsq.$(Dsq.curPageId).innerHTML.replace(Dsq.COMMENTS_RE, Dsq.CommentsHandler);
}); // Dsq.Debug.Profile

// HACK: Resetting cache because we're done with.
Dsq.Utils.gebiFromElementCollectionCache = null;


	
	
	var dsq_styleEl = document.getElementById(disqus_container_id);
	var dsq_anchorEl = document.getElementsByTagName('a')[0];
	
	Dsq.Thread.fc = Dsq.Utils.getStyle(dsq_styleEl, 'color');
	if(dsq_anchorEl) { Dsq.Thread.ac = Dsq.Utils.getStyle(dsq_anchorEl, 'color'); }
	Dsq.Thread.ff = Dsq.Utils.getStyle(dsq_styleEl, (Dsq.Utils.ie || window.opera ? 'fontFamily' : 'font-family'));
	// For Safari / Opera: strip quotes.
	Dsq.Thread.ff = Dsq.Thread.ff.replace(/['"]/g, '');
	Dsq.Thread.fc = encodeURIComponent(Dsq.Thread.fc);
	Dsq.Thread.ac = encodeURIComponent(Dsq.Thread.ac);
	Dsq.Thread.ff = encodeURIComponent(Dsq.Thread.ff);

	
	
	
	if(Dsq.$(Dsq.Templates.addPostContainer)) {
		// TODO: Check to see if theme uses postmessage.
		if (window.disqus_use_postmessage) {
			Dsq.frames['reply_0'] = new Dsq.ReplyFrame(Dsq.$(Dsq.Templates.textareaContainer));
			Dsq.frames['reply_0'].init(function() {
				// Use fallback iframe
				Dsq.$(Dsq.Templates.addPostContainer).innerHTML = '';
				var theme = (typeof disqus_frame_theme == 'undefined') ? 'default' : disqus_frame_theme;
				Dsq.Iframes.showReplyIframeInContainer(Dsq.$(Dsq.Templates.addPostContainer), null, {theme: theme});
				// if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE(); }
			});
		} else {
			// DEPRECATED
			Dsq.Iframes.showReplyIframeInContainer(Dsq.$('dsq-post-add'));
		}
	}

	
	

	
	if(document.location.hash != '') {
		document.location.hash = document.location.hash.substring(1);
	}

	Dsq.Popup.showCookieMsgs();

	
	if(document.location.search != '' && location.hash != '#disqus_thread') {
		var reply_id = Dsq.Utils.getRequestParams().dsq;
		if(reply_id) { document.location.hash = 'comment-' + reply_id; }
	}

	
	if((typeof OB_Script != 'undefined') && (typeof OB_versionNum != 'undefined')) {
		if(navigator.userAgent.indexOf("Firefox") != -1) {
			if(window.frames['dsq-reply-frame']) {
				window.frames['dsq-reply-frame'].location = Dsq.Urls.REPLY + (new Date()).getTime() + '&f=consumerismcommentary&t=bad_implementation_high_speed_mortgage_payoffs&to_redirect=' + encodeURIComponent(window.location) + '&ifrs=' + encodeURIComponent(disqus_iframe_css);
			}
		}
	}

	if (Dsq.jsonData.integration.theme == 4) {
		if (Dsq.jsonData.realtime_enabled) {
			Dsq.Realtime.initialize();
		}
	}

	



	window.ExecuteWhen = (function () {
	var obj = {}
	
	// Private
	var running = false;
	var timer = null;
	var pending = [];
	var startTimer = function() {
		running = true;
		timer = setInterval(obj.heartBeat, 100);
	};
	var stopTimer = function() {
		running = false;
		clearInterval(timer);
	};
	
	// Public
	obj.add = function (condition, code) {
		pending.push([condition,code]);
		this.heartBeat(); //!
		if (!running) {
			startTimer();
		}
	};
	obj.heartBeat = function() {
		if (!pending.length) {
			stopTimer();
		}
		var newPending = [];
		for (var i=0; i<pending.length; i++) {
			var cond = pending[i][0];
			var code = pending[i][1];
			// FIXME: if cond or code throw an error, they never get removed from pending
			if (cond()){
				code();
			}
			else {
				newPending.push([cond, code]);
			}
		}
		pending = newPending;
	};
	return obj;
})();

// also used in embed_thread.js:
window.fbIsReady = function () {return window.FB && FB.init;};
// NOTE: This script gets executed again without threadEl
//       set when we are loaded again as the fbc_receiver.
//       In this case, we don't need the hidden container.

if(!window.FB || !FB.init) {
	if(window.Dsq && Dsq.container) {
		// container is not present when init.js is loaded from an xd-receiver iframe; in this case,
		// we don't need the FB_HiddenContainer anyway.
		var fbDiv = document.createElement('div');
		fbDiv.id = "FB_HiddenContainer";	// Required or else FeatureLoader will execute a document.write.
		fbDiv.style.position = 'absolute';	// This is intentionally not setting display to none as this breaks
		fbDiv.style.top = '-10000px';		// Flash in Safari.
		fbDiv.style.left = '-10000px';
		fbDiv.style.width = '0px';
		fbDiv.style.height = '0px';
		Dsq.container.appendChild(fbDiv);
	}
	var fbJS = document.createElement('script');
	fbJS.type = "text/javascript";
	fbJS.src = "http://static.ak.connect.facebook.com/js/api_lib/v0.4/FeatureLoader.js.php";
	document.getElementsByTagName('head')[0].appendChild(fbJS);

	ExecuteWhen.add(window.fbIsReady,
		function () {
			// HACK: This is a workaround FBC's single domain limitation by
			//		 allowing sites to create multiple forums with different
			//		 Facebook API keys.  This must be used in conjunction with
			//		 disqus_facebook_forum (see authenticateFacebook).
			var facebook_api_key = 'a754e38c7443c66a17fb4f842187453e';
			if (typeof disqus_facebook_api_key != 'undefined') {
				facebook_api_key = disqus_facebook_api_key;
			}

			FB.init(facebook_api_key, window.facebookXdReceiverPath || null,
				{fetchSignedPublicSessionData: true});
		});
}


	


if(typeof(disqus_callback) == 'function') {
	var callback_params = Dsq.Utils.getRequestParams()['dsq_cbp'] || null;

	// We don't care about any errors in third-party code
	try {
		disqus_callback(callback_params);
	} catch (x) {
		if (typeof(console) != 'undefined' && typeof(console.log) == 'function') {
			// But it would be nice to let developers know about them
			console.log(x);
		}
		// pass
	}

	// HACK: We don't know if the callback wraps our container, which may
	// possibly result in a new DOM element.
	Dsq.container = document.getElementById('dsq-content');
}

})();




