




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": {"1a6aa77048591075a9f98483883d6426": {"username": "skylog", "tumblr": "", "display_name": "skylog", "url": "http://disqus.com/guest/1a6aa77048591075a9f98483883d6426/", "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": ""}, "2d02789b6379400949acea21bade420e": {"username": "Jen", "tumblr": "", "display_name": "Jen", "url": "http://disqus.com/guest/2d02789b6379400949acea21bade420e/", "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": ""}, "14de65a1cb187e0b4762c2fdf17170f2": {"username": "Todd", "tumblr": "", "display_name": "Todd", "url": "http://disqus.com/guest/14de65a1cb187e0b4762c2fdf17170f2/", "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": ""}, "f5cdde09ec68a086083e8f1aacbad323": {"username": "Patrick", "tumblr": "", "display_name": "Patrick", "url": "http://disqus.com/guest/f5cdde09ec68a086083e8f1aacbad323/", "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": ""}, "b6823c23604dc7e114555e8672610a60": {"username": "Leigh", "tumblr": "", "display_name": "Leigh", "url": "http://disqus.com/guest/b6823c23604dc7e114555e8672610a60/", "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": ""}, "b6534ffcd6ac45a03930263ca2af1096": {"username": "scottwinks", "tumblr": "", "display_name": "scottwinks", "url": "http://disqus.com/guest/b6534ffcd6ac45a03930263ca2af1096/", "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": ""}, "6f9e4c34ef524eeaa6b8a3fbd042d9fb": {"username": "Andy Gray", "tumblr": "", "display_name": "Andy Gray", "url": "http://disqus.com/guest/6f9e4c34ef524eeaa6b8a3fbd042d9fb/", "registered": false, "linkedin": "", "blog": "http://www.virtualteahouse.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": ""}, "f8171eb91f85e93db91a05b31af1c2ad": {"username": "copeycope", "tumblr": "", "display_name": "copeycope", "url": "http://disqus.com/guest/f8171eb91f85e93db91a05b31af1c2ad/", "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": ""}, "3703f33bb1dc9c6de3ee40f766ca800c": {"username": "Kimberly", "tumblr": "", "display_name": "Kimberly", "url": "http://disqus.com/guest/3703f33bb1dc9c6de3ee40f766ca800c/", "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": ""}, "928a983fb069dd51caa10115d129636a": {"username": "Rich", "tumblr": "", "display_name": "Rich", "url": "http://disqus.com/guest/928a983fb069dd51caa10115d129636a/", "registered": false, "linkedin": "", "blog": "http://www.freefrommoney.net/", "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": ""}, "57c4afa68778d4cbe7b751ab66258f8c": {"username": "Mike", "tumblr": "", "display_name": "Mike", "url": "http://disqus.com/guest/57c4afa68778d4cbe7b751ab66258f8c/", "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": ""}, "016213dfe4d254b10c0e564c22f9ebff": {"username": "PT", "tumblr": "", "display_name": "PT", "url": "http://disqus.com/guest/016213dfe4d254b10c0e564c22f9ebff/", "registered": false, "linkedin": "", "blog": "http://ptmoney.com/", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/anonusers/28366/avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "fc014f0b1a6669b04cd62f7848e2d59a": {"username": "Big Cajun Man", "tumblr": "", "display_name": "Big Cajun Man", "url": "http://disqus.com/guest/fc014f0b1a6669b04cd62f7848e2d59a/", "registered": false, "linkedin": "", "blog": "http://www.canajunfinances.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": ""}, "1489b9a4e83c4fcbccf67d6ccd264df2": {"username": "Jun", "tumblr": "", "display_name": "Jun", "url": "http://disqus.com/guest/1489b9a4e83c4fcbccf67d6ccd264df2/", "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": ""}, "9c09b134e0e87cadf1db36869fccd083": {"username": "Emily Lauren", "tumblr": "", "display_name": "Emily Lauren", "url": "http://disqus.com/guest/9c09b134e0e87cadf1db36869fccd083/", "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": ""}, "0d99042c351c053243f238b105cf2fd9": {"username": "rewards", "tumblr": "", "display_name": "rewards", "url": "http://disqus.com/guest/0d99042c351c053243f238b105cf2fd9/", "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": ""}, "14a46864610ec061ff18f2a15df41f72": {"username": "Tyler", "tumblr": "", "display_name": "Tyler", "url": "http://disqus.com/guest/14a46864610ec061ff18f2a15df41f72/", "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": ""}, "361d5d77cdb08325c7194555e0b3b85f": {"username": "InvestorBlogger", "tumblr": "", "display_name": "InvestorBlogger", "url": "http://disqus.com/guest/361d5d77cdb08325c7194555e0b3b85f/", "registered": false, "linkedin": "", "blog": "http://investorblogger.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": ""}, "f91004f10587565d0585139bd56f6703": {"username": "The Happy Rock", "tumblr": "", "display_name": "The Happy Rock", "url": "http://disqus.com/guest/f91004f10587565d0585139bd56f6703/", "registered": false, "linkedin": "", "blog": "http://www.thehappyrock.com/", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/anonusers/5/9142/avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "64ad3aefb506b60896d75b3b827d9d86": {"username": "Kate", "tumblr": "", "display_name": "Kate", "url": "http://disqus.com/guest/64ad3aefb506b60896d75b3b827d9d86/", "registered": false, "linkedin": "", "blog": "http://livingthefrugallife.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": ""}, "f2d9e8550812fcaa96c7bf46e3f23d9e": {"username": "Thom", "tumblr": "", "display_name": "Thom", "url": "http://disqus.com/guest/f2d9e8550812fcaa96c7bf46e3f23d9e/", "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": ""}, "bd8b2d283f98f631a0aa1f952d1510b1": {"username": "Phillip", "tumblr": "", "display_name": "Phillip", "url": "http://disqus.com/guest/bd8b2d283f98f631a0aa1f952d1510b1/", "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": ""}, "644f66a1c54a9ab1e4a175a87c7ce185": {"username": "Justin", "tumblr": "", "display_name": "Justin", "url": "http://disqus.com/guest/644f66a1c54a9ab1e4a175a87c7ce185/", "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": ""}, "42d4adbd330baa78dcd0f514f598ad3a": {"username": "David", "tumblr": "", "display_name": "David", "url": "http://disqus.com/guest/42d4adbd330baa78dcd0f514f598ad3a/", "registered": false, "linkedin": "", "blog": "http://www.pimpyourfinances.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": ""}, "766963b54c4ea777025ec7c4d23ed32a": {"username": "Nick", "tumblr": "", "display_name": "Nick", "url": "http://disqus.com/guest/766963b54c4ea777025ec7c4d23ed32a/", "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": ""}, "e89e9c62b724b2f2b1663f9d8bd801d4": {"username": "Wayne", "tumblr": "", "display_name": "Wayne", "url": "http://disqus.com/guest/e89e9c62b724b2f2b1663f9d8bd801d4/", "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": ""}, "d6a0e03d26de9fea20c3ca986fb44380": {"username": "David", "tumblr": "", "display_name": "David", "url": "http://disqus.com/guest/d6a0e03d26de9fea20c3ca986fb44380/", "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": ""}, "e4f79761bed9c3324506976b85bfedb1": {"username": "Beating Broke", "tumblr": "", "display_name": "Beating Broke", "url": "http://disqus.com/guest/e4f79761bed9c3324506976b85bfedb1/", "registered": false, "linkedin": "", "blog": "http://www.beatingbroke.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": ""}, "da8337ac8f268508830e9ebbc2aa24e1": {"username": "Gus", "tumblr": "", "display_name": "Gus", "url": "http://disqus.com/guest/da8337ac8f268508830e9ebbc2aa24e1/", "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": ""}, "4667f9a36597e7f4630dd4082f7d04e5": {"username": "Mary", "tumblr": "", "display_name": "Mary", "url": "http://disqus.com/guest/4667f9a36597e7f4630dd4082f7d04e5/", "registered": false, "linkedin": "", "blog": "http://simplyforties.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": ""}, "8f5662f444227d78b37e1a5d2e4117d3": {"username": "RLZ", "tumblr": "", "display_name": "RLZ", "url": "http://disqus.com/guest/8f5662f444227d78b37e1a5d2e4117d3/", "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": ""}, "db37b8f09fd7cdf577aa73219a22faf2": {"username": "Lance", "tumblr": "", "display_name": "Lance", "url": "http://disqus.com/guest/db37b8f09fd7cdf577aa73219a22faf2/", "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": ""}, "c3d072e1ad719019879ed531de97c1da": {"username": "Megan", "tumblr": "", "display_name": "Megan", "url": "http://disqus.com/guest/c3d072e1ad719019879ed531de97c1da/", "registered": false, "linkedin": "", "blog": "http://www.countingmypennies.com/", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/anonusers/348/4243/avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "062a07ca06bbe8bff86a63ee11c33dbf": {"username": "Jon", "tumblr": "", "display_name": "Jon", "url": "http://disqus.com/guest/062a07ca06bbe8bff86a63ee11c33dbf/", "registered": false, "linkedin": "", "blog": "http://www.capitalistmaven.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": ""}, "39ec9f27bcdcf4779b1d8e5ec8bbbf42": {"username": "kevin29", "tumblr": "", "display_name": "kevin29", "url": "http://disqus.com/guest/39ec9f27bcdcf4779b1d8e5ec8bbbf42/", "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": ""}, "fcf7ccfb663b03540e6f5977360bbcbf": {"username": "CJ", "tumblr": "", "display_name": "CJ", "url": "http://disqus.com/guest/fcf7ccfb663b03540e6f5977360bbcbf/", "registered": false, "linkedin": "", "blog": "http://www.wisemoneymatters.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": ""}, "f6ada36031cf53f65e5819b3ddd68ec7": {"username": "Joe", "tumblr": "", "display_name": "Joe", "url": "http://disqus.com/guest/f6ada36031cf53f65e5819b3ddd68ec7/", "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": ""}, "7ac687a2fc4ac6630c387fea9e079588": {"username": "Joe", "tumblr": "", "display_name": "Joe", "url": "http://disqus.com/guest/7ac687a2fc4ac6630c387fea9e079588/", "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": ""}, "09836bb3cc1d48615eab52b57388a8c5": {"username": "Dave N", "tumblr": "", "display_name": "Dave N", "url": "http://disqus.com/guest/09836bb3cc1d48615eab52b57388a8c5/", "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": ""}, "e302e9e63b9f24cf054c201d1511dfcb": {"username": "Sean", "tumblr": "", "display_name": "Sean", "url": "http://disqus.com/guest/e302e9e63b9f24cf054c201d1511dfcb/", "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": ""}, "7abe7aaa4a021bddb6003115c1f2d678": {"username": "Bruce Shampoe", "tumblr": "", "display_name": "Bruce Shampoe", "url": "http://disqus.com/guest/7abe7aaa4a021bddb6003115c1f2d678/", "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": ""}, "624938127b30f4c3631dc77a0645ea93": {"username": "juggler314", "tumblr": "", "display_name": "juggler314", "url": "http://disqus.com/guest/624938127b30f4c3631dc77a0645ea93/", "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": ""}, "93ebbccd82d5db97bafe837a3c14fcac": {"username": "Eric N.", "tumblr": "", "display_name": "Eric N.", "url": "http://disqus.com/guest/93ebbccd82d5db97bafe837a3c14fcac/", "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://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": ""}, "77a113727c5749f5711e935af2e340db": {"username": "TheMightyQuinn", "tumblr": "", "display_name": "TheMightyQuinn", "url": "http://disqus.com/guest/77a113727c5749f5711e935af2e340db/", "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": ""}, "44b78f077bcb299be6e0bcb161777851": {"username": "David", "tumblr": "", "display_name": "David", "url": "http://disqus.com/guest/44b78f077bcb299be6e0bcb161777851/", "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": ""}, "c3b8544708052755ec8133665fed38d6": {"username": "Eric G.", "tumblr": "", "display_name": "Eric G.", "url": "http://disqus.com/guest/c3b8544708052755ec8133665fed38d6/", "registered": false, "linkedin": "", "blog": "", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/anonusers/348/4525/avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "47ee821491e8df989c8d405c398259aa": {"username": "Steph", "tumblr": "", "display_name": "Steph", "url": "http://disqus.com/guest/47ee821491e8df989c8d405c398259aa/", "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": ""}, "de26766d9666a84c78c8e9e85e1d3776": {"username": "unimax", "tumblr": "", "display_name": "unimax", "url": "http://disqus.com/guest/de26766d9666a84c78c8e9e85e1d3776/", "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": ""}, "63e9e607aea7bd310336ffda22b98745": {"username": "Susan", "tumblr": "", "display_name": "Susan", "url": "http://disqus.com/guest/63e9e607aea7bd310336ffda22b98745/", "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": ""}, "6ab695d971cc41f948f2d61a4842b5f1": {"username": "Liz", "tumblr": "", "display_name": "Liz", "url": "http://disqus.com/guest/6ab695d971cc41f948f2d61a4842b5f1/", "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": ""}, "3a1ae87f90baf5b457c63b3e9df9f526": {"username": "Arun", "tumblr": "", "display_name": "Arun", "url": "http://disqus.com/guest/3a1ae87f90baf5b457c63b3e9df9f526/", "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": ""}, "aa94561d1c2152e551e5db054644787f": {"username": "Stephen", "tumblr": "", "display_name": "Stephen", "url": "http://disqus.com/guest/aa94561d1c2152e551e5db054644787f/", "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": ""}, "ce5ca5de7238a685e504ddb8bba78869": {"username": "Spoodles", "tumblr": "", "display_name": "Spoodles", "url": "http://disqus.com/guest/ce5ca5de7238a685e504ddb8bba78869/", "registered": false, "linkedin": "", "blog": "http://www.spoodles.wordpress.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": ""}, "5255d22fdc45d4b3a15dec7d9994e515": {"username": "John", "tumblr": "", "display_name": "John", "url": "http://disqus.com/guest/5255d22fdc45d4b3a15dec7d9994e515/", "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": ""}, "5ea563932fff0e92700006e382ed405a": {"username": "Yana", "tumblr": "", "display_name": "Yana", "url": "http://disqus.com/guest/5ea563932fff0e92700006e382ed405a/", "registered": false, "linkedin": "", "blog": "", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/anonusers/348/1816/avatar92.jpg", "delicious": "", "is_remote": false, "verified": false, "flickr": "", "twitter": "", "remote_domain_name": ""}, "dcf93b997c9594a67314879b51544c34": {"username": "lovenitt", "tumblr": "", "display_name": "lovenitt", "url": "http://disqus.com/guest/dcf93b997c9594a67314879b51544c34/", "registered": false, "linkedin": "", "blog": "http://www.overbrook-oktoberfest.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": ""}, "68dcc01cb795afe1761c09d18ba94965": {"username": "shadox", "tumblr": "", "display_name": "shadox", "url": "http://disqus.com/guest/68dcc01cb795afe1761c09d18ba94965/", "registered": false, "linkedin": "", "blog": "http://www.moneyandsuch.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": ""}, "f54f678dd09345128fc1c5d25d6dd1e2": {"username": "Dan Ray", "tumblr": "", "display_name": "Dan Ray", "url": "http://disqus.com/guest/f54f678dd09345128fc1c5d25d6dd1e2/", "registered": false, "linkedin": "", "blog": "http://blogs.creditcards.com/", "remote_domain": null, "points": null, "facebook": "", "avatar": "http://media.disqus.com/uploads/anonusers/348/1973/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_22:34:26", "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": null}, "realtime_paused": false, "posts": {"21316352": {"up_voted": false, "ip": "", "has_replies": false, "message": "Seek out a bank or credit union with Rewards checking  That way keeping a balance higher than needed monthly won't mean a loss in interest income.  You need to understand the requirements needed to receive the high interest rate though (certain number of debit card transactions are often required.)", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-06_12:01:12", "killed": false, "user_key": "b6534ffcd6ac45a03930263ca2af1096", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/06/2008 12:01 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}, "21316353": {"up_voted": false, "ip": "", "has_replies": false, "message": "Echoing the use of ING with (limited) free overdraft protection. I also use a low interest money market account linked to another checking account for overdraft protection. Not the best deployment of funds, but it is easier. <br><br>If I win it will be a switch back to quicken from M$ Money... They have trashed my data for the last time. ( 8 years worth. My online backup was deleted as well because I didn't access it enough. )", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-06_12:55:50", "killed": false, "user_key": "09836bb3cc1d48615eab52b57388a8c5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/06/2008 12:55 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}, "21316354": {"up_voted": false, "ip": "", "has_replies": false, "message": "I suppose this is really avoidance but in addition to tracking expenses, I've trained myself to think of my bank balance as at zero when there's really about $1000 in it. I've tricked myself into not allowing my account to get until $1000 under any circumstances. I guess it's really just an emergency fund but it's more about training your mind to ignore the reality of the number and pretend it's just all zeros. Doing that means that I can't buy anything if I'm close to the $0 ($1000) and if I accidentally have something withdraw, I 'freak out' and ensure to get it back over $0 ($1000). This way I never pay any NSF or overdraft fees, and a bonus is that depending on what the minimum is, I don't have to pay for checks either. It's really just a getting into the right mindset and tricking yourself into establishing a bottom limit.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-06_13:42:38", "killed": false, "user_key": "bd8b2d283f98f631a0aa1f952d1510b1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/06/2008 01:42 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}, "21316355": {"up_voted": false, "ip": "", "has_replies": false, "message": "As others have said, paying with credit (and then paying off the credit card each month) is an easy way to generally avoid the NSF fees (not to mention earn rewards for paying your bills).<br><br>Another thing to do is to make a list of all your major monthly payments and their due dates.  Try and divvy them up (many companies are flexible with your billing date if you just call) so they're evenly spaced out based on your pay frequency (if you're paid twice a month, or every two weeks, for example, then try to have half the bills due in the first week of the month and half in the third week of the month).  When you get your paycheck, pay off the bills that are scheduled around the time of that check.  Whatever is left over is available for the other expenses that come up (things like food and gas).", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-06_15:56:23", "killed": false, "user_key": "644f66a1c54a9ab1e4a175a87c7ce185", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/06/2008 03:56 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}, "21316356": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have a friend who works for my bank, so I just call him up and have him reverse my fees.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-07_00:49:49", "killed": false, "user_key": "5255d22fdc45d4b3a15dec7d9994e515", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/07/2008 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}, "21316357": {"up_voted": false, "ip": "", "has_replies": false, "message": "Well, with Google Docs, set up a blank spreadsheet, then set up a simple form that you can use to add transactions to the database. On your mobile phone or Iphone, bookmark the URL you get for the form and each time you spend something, take a few moments..  update your database via the Google Docs form.<br><br>it works a treat. When you get home you can download the transactions from Google Docs. I wrote a similar post in the links above.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-07_11:36:32", "killed": false, "user_key": "361d5d77cdb08325c7194555e0b3b85f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/07/2008 11:36 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}, "21316358": {"up_voted": false, "ip": "", "has_replies": false, "message": "Like many others, I like to avoid fees of any kind on financial accounts.  As for overdrafts, I estimate monthly bills paid via checks or automatic withdrawals.  It's easy as amounts don't change that much month to month....  Then keep a few dollars extra in checking, just to be sure.....  Try to group auto payments on same day, then be sure they are covered.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-07_15:19:02", "killed": false, "user_key": "57c4afa68778d4cbe7b751ab66258f8c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/07/2008 03:19 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}, "21316359": {"up_voted": false, "ip": "", "has_replies": false, "message": "my advice echoes what others have said here, but for me the most important weapon i have is tracking my spending and having all of my bills in a spreadsheet. the ability to see what income is going out and where i stand makes the process painless. i also do get e-mail alerts when i come within a preset threshold and when a preset amount of money goes out. hope that helps", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-08_00:02:24", "killed": false, "user_key": "1a6aa77048591075a9f98483883d6426", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/08/2008 12:02 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}, "21316360": {"up_voted": false, "ip": "", "has_replies": false, "message": "I use American Express for 95% of the time and PIF at EOM. with hilton honors points get 12-16 hotel rooms for free every year. you just need to make sure you have the money to pay.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-08_10:18:33", "killed": false, "user_key": "7abe7aaa4a021bddb6003115c1f2d678", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/08/2008 10:18 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}, "21316361": {"up_voted": false, "ip": "", "has_replies": false, "message": "The contest has ended. Thank you!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-08_11:02:46", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "11/08/2008 11:02 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}, "21316362": {"up_voted": false, "ip": "", "has_replies": false, "message": "I suggest keeping your receipts and being dilligent using them to debit/credit your account.  not oly will you alwyas be aware of whow much money you have avaiable you will also understand where your money is going.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-08_13:19:22", "killed": false, "user_key": "f8171eb91f85e93db91a05b31af1c2ad", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/08/2008 01:19 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}, "21316363": {"up_voted": false, "ip": "", "has_replies": false, "message": "I use a Fidelity MySmartCash account as my primary account.  Checks are free, the account earns interest, all ATM fees are rebated, and you are able to link your checking account to your other accounts at Fidelity.  If there is ever an overdraft due to a check, ATM withdrawal, debit card transaction, etc., and there is insufficient cash in the account, cash is automatically transferred from another account for free.  You can specify which account any overdraft amount is transferred from, and also have an additional amount transferred to replenish the checking account to a \"safe\" balance ($250, etc.).", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-08_23:29:14", "killed": false, "user_key": "44b78f077bcb299be6e0bcb161777851", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/08/2008 11:29 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}, "21316302": {"up_voted": false, "ip": "", "has_replies": false, "message": "I use the free service My Yodlee to keep track of all my accounts (checking, savings, investments, etc.) and it will allow you to set up automatic reminders and alerts.<br><br>I have alerts set up for each of my accounts that send me an email for 3 things:<br>1 - If the balance drops below a certain minimum, my safety net<br>2 - Large withdrawals, I do this primarily as a safety feature so that I am aware if there were any large unauthorized transactions<br>3 - Large deposits, this is just for my information so I can get updated with my payday deposits<br><br>This is my best suggestion, set up alerts associated with a minimum balance so that you are completely aware if things start to drop too low and an overdraft possibility exists.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_10:33:09", "killed": false, "user_key": "db37b8f09fd7cdf577aa73219a22faf2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 10:33 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}, "21316303": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have a tip regarding overdraft protection: bank with USAA if you're eligible.  I have both savings and checking with them, and the overdraft protection is free.  On top of that, they'll reimburse up to $10 in ATM fees per month when you use other banks' ATMs.  Can't say fairer than that, can you?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_10:42:38", "killed": false, "user_key": "64ad3aefb506b60896d75b3b827d9d86", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 10:42 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}, "21316304": {"up_voted": false, "ip": "", "has_replies": false, "message": "One thing I do is always round up my expenses.  Spend $21.45?  Round it to $22.  Or better, round it to $25.  It's easier to track in your head, and it creates a nice little buffer.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_10:46:30", "killed": false, "user_key": "c3d072e1ad719019879ed531de97c1da", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 10:46 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}, "21316305": {"up_voted": false, "ip": "", "has_replies": false, "message": "I agree with Kate about USAA.  I bank with them as well and get free overdraft protection.  I do, however, also link my savings account to my checking account.  I did that when I was younger and not quite as smart about tracking my money ;-)  It seems like a common-sense type of thing to me.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_11:15:26", "killed": false, "user_key": "f6ada36031cf53f65e5819b3ddd68ec7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 11:15 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}, "21316306": {"up_voted": false, "ip": "", "has_replies": false, "message": "One thing about overdrafts though is if your check bounces, you get NSF fees on your bank's side and possibly on the other side too.  <br><br>One thing would be to make sure to every night, guestimate how much you spent out of your checking account (through debit card purchases, checks written, etc). Make sure to round up. That should give you an approximate idea of how much you spent.<br><br>Even better would be to write down every transaction in Quicken, but that might be asking for too much.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_11:16:01", "killed": false, "user_key": "63e9e607aea7bd310336ffda22b98745", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 11:16 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}, "21316307": {"up_voted": false, "ip": "", "has_replies": false, "message": "I always keep at least one month of expenses in my checking account.  That's probably overkill, but I REALLY don't want to overdraft.  Ever.<br><br>I'm still using the '07 version of Quicken along with YNAB, and it's working out just fine for me, but I'd love to win this one to give to my little sister.  Girl could use some $ help.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_11:27:38", "killed": false, "user_key": "ce5ca5de7238a685e504ddb8bba78869", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 11:27 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}, "21316308": {"up_voted": false, "ip": "", "has_replies": false, "message": "It doesn't matter to me what the bank labels the accounts.  Most of our savings is in checking, I don't keep the balance low enough to risk overdrafts, and I like having instant access to funds at all times.  Local savings account interest rates are a joke, but then, even the highest ones we have (ING, Charles Schwab) are not high anymore.  We like having multiple financial institutions, and have seven.  We pay no fees at any, and at one bank had to open a \"savings\" account with an auto-transfer from checking in order to keep the account free.  It is rare that we use ATMs for cash, but when we do, we use the Charles Schwab account since any associated fees are paid for by Schwab.  I don't like bank accounts that require a minimum balance, but impose one on myself (loosely), because I don't ever want to pay any kind of fee.   I find that this method helps to keep me satisfied with our banks.  If you're not ever-aware and careful about your money, you have to be selective in what bank you use, because some are just not designed for those who can't keep a buffer.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_11:28:14", "killed": false, "user_key": "5ea563932fff0e92700006e382ed405a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 11:28 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}, "21316309": {"up_voted": false, "ip": "", "has_replies": false, "message": "Greetings, Flexo and all those interested in personal finance.<br><br>One important thing people should be aware of is that most banks practice the \"biggest first\" order of cashing checks. <br>Take someone who writes three checks -- one for $1,000 for the rent, and then a pair of $50 checks for groceries and a really good shoeshine (I dunno, I'm just making it up). All three checks hit the bank the same day.<br>If that someone had $999 in the bank, that poor person will get hit with three overdraft charges, because the bank will first cash the $1,000 check, and then the $50 checks.<br>If the bank had process smallest check first, the $50 checks would have gone through, and only the $1,000 check would cause the overdraft.<br><br><br>Of course, no one should deliberately write a check for more money than they have, but those who accidentally do so should be aware that bank policies are written in a way that will cause the maximum damage.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_11:45:26", "killed": false, "user_key": "f54f678dd09345128fc1c5d25d6dd1e2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 11:45 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}, "21316310": {"up_voted": false, "ip": "", "has_replies": false, "message": "Using quicken and monitoring your expenses one month out is what I do to make sure I do not have any overdraft on my accounts. I always project my bills into the next month. To deal with emergency you have to have some money set aside in a savings account.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_11:53:13", "killed": false, "user_key": "3a1ae87f90baf5b457c63b3e9df9f526", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 11:53 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}, "21316311": {"up_voted": false, "ip": "", "has_replies": false, "message": "A teacher told me once how she balances her checkbook, Every month she pays here bills and whatever is left in the checking account is then left there. The next month, she would would only count her deposits as available for bills. Over time a cushion in built up to prevent overdrafts. I review of that balance every once in a while would be to invest the money in other areas, but leaving a cushion in the account.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_11:55:21", "killed": false, "user_key": "b6823c23604dc7e114555e8672610a60", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 11:55 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}, "21316312": {"up_voted": false, "ip": "", "has_replies": false, "message": "I try to have a checking account with online features that allow me to check the transactions and balance in essentially real time. Many banks will send you an email alert if your balance gets below a certain amount.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_12:02:56", "killed": false, "user_key": "d6a0e03d26de9fea20c3ca986fb44380", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 12:02 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}, "21316313": {"up_voted": false, "ip": "", "has_replies": false, "message": "Some banks also allow you to define email notifications for various conditions; for example, if your balance drops below a certain threshold.  While no substitute for tracking the details with Quicken or similar, this can alert you if things don't go as planned.  (This is similar to what Lance describes with Yodlee, but it may be available to you even without a third-party service.)", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_12:10:50", "killed": false, "user_key": "6f9e4c34ef524eeaa6b8a3fbd042d9fb", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 12:10 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}, "21316314": {"up_voted": false, "ip": "", "has_replies": false, "message": "I typically know the balance in my checking account pretty well.  That being said it's easy for me to have good sense because I don't have to make many withdrawals over the course of the month.  <br><br>Most of my day to day purchases are put on one of two credit cards (one personal, one 50/50 split with my girlfriend for food, utilities etc).  My regular debits are 1)  automatic savings, 2) rent, 3) Subway pass (through work), 4) 1-2 ATM withdrawals, 5) Credit Card 1, 6) Credit Card 2.<br><br>The first three transactions come at the beginning of the month when I get paid, so there's no risk of overdraft there.  I always pay the credit cards off on my home computer so I have access to my balances with MS money, so I know that I have enough to cover them.  If I know I'll have to make an ATM withdrawal I'll check my balance the night before.<br><br>I typically don't look online because that balance may not reflect all of the transactions that have occured.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_12:23:17", "killed": false, "user_key": "f2d9e8550812fcaa96c7bf46e3f23d9e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 12:23 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}, "21316315": {"up_voted": false, "ip": "", "has_replies": false, "message": "I set threshold alerts on my accounts.  When my balance dips below a certain amount I get an email.  That's the best advice I can give.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_12:29:25", "killed": false, "user_key": "016213dfe4d254b10c0e564c22f9ebff", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 12:29 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}, "21316316": {"up_voted": false, "ip": "", "has_replies": false, "message": "I recommend as much automation as possible -- pretty much any bill can be setup to pull from a checking account automatically.  At the same time, make sure you also set up an automatic transfer *into* that account of at least enough money to cover the most expensive month of bills (December for us).  Granted, you should still keep an eye on things, but using this general method we almost never write checks and haven't had an overdraft in almost 3 years.<br><br>As a bonus, you can slowly increase the amount you transfer in as a way to build up an emergency fund :).", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_12:38:29", "killed": false, "user_key": "aa94561d1c2152e551e5db054644787f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 12:38 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}, "21316317": {"up_voted": false, "ip": "", "has_replies": false, "message": "It is not very efficient, but I check my accounts every day to make sure I am not close.  (I also buffer by $1500.)", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_12:50:12", "killed": false, "user_key": "766963b54c4ea777025ec7c4d23ed32a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 12:50 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}, "21316318": {"up_voted": false, "ip": "", "has_replies": false, "message": "My personal way of avoiding overdraft fees is to sign up for online banking and check my balances once a day to make sure everything is ok. I hate to see anyone having to pay these things!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_13:16:12", "killed": false, "user_key": "93ebbccd82d5db97bafe837a3c14fcac", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 01:16 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}, "21316319": {"up_voted": false, "ip": "", "has_replies": false, "message": "One way I found to avoid fees is to not carry the debit card around with you.  When you get paid, withdraw some amount of money, put it in envelope and use what is available.  I see the fees happening due to folks just using the card here and there (it adds up)and not keeping tabs of the purchases.  Better to put it away and carry cash.  What you have is what you can spend.<br><br>As for checks, do all online so when I have to make a payment, I know what I have there to use.  Also set up payments to occur around when one gets paid so there is sufficient funds available.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_13:19:59", "killed": false, "user_key": "e89e9c62b724b2f2b1663f9d8bd801d4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 01:19 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}, "21316320": {"up_voted": false, "ip": "", "has_replies": false, "message": "My identity was stolen a few years ago. The thieves tried to cash many bogus checks, right below the level that requires human processing. My checking account was quickly emptied and thanks to the overdraft protection, part of my saving account as well. I got everything back, but it took several days to clear it up, specially the overdraft fees. If I didn't have overdraft protection, the damage would have been limited to my checking account and the recovery would have been much simpler.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_13:36:10", "killed": false, "user_key": "f5cdde09ec68a086083e8f1aacbad323", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 01:36 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}, "21316321": {"up_voted": false, "ip": "", "has_replies": false, "message": "Also remember that in the case you do go over, most banks allow at least one charge to be deposited back into your account with ease. Any after the first is a headache though.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_17:07:12", "killed": false, "user_key": "fcf7ccfb663b03540e6f5977360bbcbf", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 05:07 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}, "21316322": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have a few thoughts on this particular topic.  <br><br>First, find a bank and an account that works for you.  Many people have mentioned USAA and the good deals they offer which sound great.  I bank with a local credit union and for me it is perfect, they have low fees, no ATM fees, and are generally friendly.  It is worth being choosy when finding a bank especially if you think you might overdraft.<br><br>Second, go old-fashioned.  Quicken is great, but sometimes a piece of paper on the fridge still trumps it.  My wife and I have a bi-weekly budget.  Every 2 weeks we put up X-dollars on the sheet of paper and as we spend money we write the amount or a rounded up approximation of the amount on the sheet on the fridge.  This keeps us honest about our budget, then every week or so I quickly go through and reconcile the actual amounts with Quicken.  This is a great way to keep track of daily spending, budgeting and avoid overdrafts IMHO.<br><br>Finally, check if your bank offers alerts.  I have an alert setup that will send an SMS message to my phone and an e-mail if my balance falls below a certain amount.  I also have similar alerts for my credit cards that warn me 5 days in advance of the due date if I haven't made a payment.  These 2 minor things have saved me in the past (before I went on a budget) from inflicting these heavy fees.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_19:20:34", "killed": false, "user_key": "e302e9e63b9f24cf054c201d1511dfcb", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 07:20 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}, "21316323": {"up_voted": false, "ip": "", "has_replies": false, "message": "Pay with cash or credit, not debit or checks :)", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_19:35:26", "killed": false, "user_key": "0d99042c351c053243f238b105cf2fd9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 07:35 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}, "21316324": {"up_voted": false, "ip": "", "has_replies": false, "message": "I use the following four legged stool approach to avoid overdraft fees:<br><br>1. I used ING DIRECT for my primary bank account. For me, that has been one of the surest ways to avoid overdraft fees AND receive a little bit of interest on my account balance. ING DIRECT is at <a href=\"http://www.ingdirect.com\" rel=\"nofollow\">www.ingdirect.com</a>. <br><br>Even if I choose to have a paper check sent to someone, it *originates* through ING DIRECT and if the money is not in my account the night before the check is scheduled to be mailed, it simply does not go. Naturally the same goes for electronic checks. (I avoid these bounce backs. Read on.)<br><br>If I have an electronic debit coming from a merchant or credit card company that is larger than the balance in my account - it just bounces back. (As I said, I avoid bounce backs. Read on.)<br><br>Likewise at the ATM. If my withdrawal amount is more than my account balance - I don't get the cash. <br><br>ING DIRECT makes it easy for me to keep track of where I stand. However - I still use a Credit Card and Quicken to track my cash flow.<br><br>2. I charge all that I can to the Credit Card - utilities, cable, phone, and similar routine bills. Then I pay the card through ING. I set the card to debit ING automatically each month for the full balance, so I don't worry about missing a card deadline and paying a fee that way. <br><br>Other items like the Mortgage Payment originate automatically through ING. <br><br>3. I use Quicken to be sure that I live within my budget and know what by balance at ING *will be* over the next 30 days.  What do I mean? I mean that I post, in advance, every bill that will be paid from the 5th of one month to the 5th of the next month. <br><br>Sure, some of the advance postings are estimates, and that is where the 4th leg comes in.<br><br>4. I receive notice of every bill through electronic delivery. The email account that I read every day tells me when a biller has created a new bill and how much it is. Most of these go to the credit card. I post that data diligently, as received, to the Quicken account (I don't let Quicken post for me). Others bills will come out of my ING DIRECT account. Likewise I update my ING DIRECT account for the exact amount.<br><br>So, as the month goes along each biller notifies me electronically what I owe them (electric, phone, cable, utilities, health care, and so on). I reconcile, update the posting, and have absolutely no surprises. <br><br>My ING DIRECT balance and Quicken balance always agree. I know when I have to dig into savings in plenty of time to make the transfer. I have never had a need for a paper check in my wallet. Overdraft fees are 0. Credit Card late fees are 0. I earn a little interest on the ING DIRECT balance. I sleep soundly on my four legged stool.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_22:05:17", "killed": false, "user_key": "7ac687a2fc4ac6630c387fea9e079588", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 10:05 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}, "21316325": {"up_voted": false, "ip": "", "has_replies": false, "message": "Quicken is one of the best ways to monitor your balance.  However, if you are married there are other issues to think about as, if you are both writing checks or using debit cards, you may be much more likely to overdraw.  We handle this by having one person hold all the checks.  For our debit cards, we maintain constant communication about our spending in conjunction with using Quicken to continually update our balance.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_22:26:12", "killed": false, "user_key": "8f5662f444227d78b37e1a5d2e4117d3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 10:26 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}, "21316326": {"up_voted": false, "ip": "", "has_replies": false, "message": "Keeping more money in your account than is exactly necessary to cover your bill is good way to ensure you don't get charged overdraft charges if you make a mistake in calculating your bills. Of course, one needs to balance between making sure your account is not overdrawn and needlessly keeping money in a low yielding checking account.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-27_23:07:57", "killed": false, "user_key": "68dcc01cb795afe1761c09d18ba94965", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 11:07 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}, "21316327": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have my chequing account connected to my line of credit, but the other way to keep from overdraftings is to:<br><br>1) Stop spending too much :-) (Sorry figured I'd state the obvious)<br>2) Set an artificial line in  your chequing account (i.e. $0 in Quicken actually means there is still $100 in your real bank account).<br><br>Either one works.<br>C8j", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-28_08:55:03", "killed": false, "user_key": "fc014f0b1a6669b04cd62f7848e2d59a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/28/2008 08:55 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}, "21316328": {"up_voted": false, "ip": "", "has_replies": false, "message": "I use quicken and plan out my spending for the next paycheck about 1 week in advance. That is a week before I get paid I enter in all the monthly bills I know will go through into quicken. Then I pretty much only charge to a credit card that gets paid off every month. My actual bank account only has maybe 20 transactions/month. All checks, pre-authorized debits and cash withdrawals.<br><br>Works for me.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-28_11:27:37", "killed": false, "user_key": "624938127b30f4c3631dc77a0645ea93", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/28/2008 11:27 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}, "21316329": {"up_voted": false, "ip": "", "has_replies": false, "message": "After years of no problems with overdraft fees, my wife and I have found that as life has gotten busier our record keeping is lagging and we've seen a few of these this year.  It's painful to see the charges these create and how expensive a little lax in record-keeping can be.<br><br>In our case, we plan to build up a buffer so that we can prevent this from happening in the future.  With three kids and the economy the way it is today, this is harder than ever and yet more important than ever!<br><br>I will also be exploring the alerts available through our bank today to let me know when the balance falls below a certain level.  I'm not sure if our local bank offers that level of assistance, but I'm going to find out.  If not, then I may look into the My Yodlee site or another option.<br><br>Disciplining ourselves to have a regular pattern of updating our account information seems like an important step in preventing overdrafts in the future.<br><br>Thanks for the great information on a consistent basis!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-28_12:06:12", "killed": false, "user_key": "c3b8544708052755ec8133665fed38d6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/28/2008 12:06 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}, "21316331": {"up_voted": false, "ip": "", "has_replies": false, "message": "The way I avoid overdraft fees is using my credit card for everything that I possibly can and then paying it off in full every month.  I also use Quicken to keep track of my expenses and to balance my checkbook and other accounts.  It seems easy to me, but I've never had an overdraft (knock on wood) and the software makes it easy to keep on top of things.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-28_19:36:08", "killed": false, "user_key": "14a46864610ec061ff18f2a15df41f72", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/28/2008 07:36 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}, "21316332": {"up_voted": false, "ip": "", "has_replies": false, "message": "I agree with the previous poster about using Quicken to track your checking account balances.  I try to keep approximately $1000-$2000 in my E*Trade checking account at all times, this way I don't need to worry about tracking small amounts, there's always money to cover any small transaction.  Any larger transactions are usually planned in advance so I just schedule a transfer to occur from savings at the same time.  Keeping some padding in your checking account is the best way to avoid overdrafts.<br><br>Also, while debit cards are ok for people who can't control their spending, for almost everybody else they suck.  I'd much rather worry about a single large credit card billpay transaction than hundreds of small debit transactions.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-29_09:09:16", "killed": false, "user_key": "062a07ca06bbe8bff86a63ee11c33dbf", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/29/2008 09:09 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}, "21316333": {"up_voted": false, "ip": "", "has_replies": false, "message": "I completely agree with you. I have linked savings account which acts as a buffer. I wish the pass some regulation regarding the order withdrawals and deposits so as to help the consumer prevent from paying the overdraft fee.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-29_18:22:07", "killed": false, "user_key": "de26766d9666a84c78c8e9e85e1d3776", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/29/2008 06:22 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}, "21316334": {"up_voted": false, "ip": "", "has_replies": false, "message": "Put a minimum amount of more than your monthly rent + utility bills in your bank account, and check your balance at least once a week (only takes a minute or two to do this).", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-29_19:35:26", "killed": false, "user_key": "da8337ac8f268508830e9ebbc2aa24e1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/29/2008 07:35 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}, "21316335": {"up_voted": false, "ip": "", "has_replies": false, "message": "I know this isn't ideal, it's better to pay closer attention to dates and amounts... but when I have large bills that I need to pay in addition to my regulars and I don't know when everything will be posted and come through, I'll transfer the amt of the large bills from a savings into the checking, then transfer that amount back once paychecks and regular bills shake out to make sure I'm covered.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-30_14:28:50", "killed": false, "user_key": "9c09b134e0e87cadf1db36869fccd083", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/30/2008 02:28 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}, "21316336": {"up_voted": false, "ip": "", "has_replies": false, "message": "Use ING Electric Orange which gives you an overdraft line of credit.  You pay no fees and only interest on the overdraft line until the money gets back in there.  Plus checks work like bank checks were you need the cash in the account, so you can't write a bad check.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-30_23:16:10", "killed": false, "user_key": "f91004f10587565d0585139bd56f6703", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/30/2008 11:16 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}, "21316337": {"up_voted": false, "ip": "", "has_replies": false, "message": "I love ING for everything but that, back when the economy first started failing they went through and soft pulled everyone's credit and if you didn't have spectacular credit they slashed it to $25, useless for me...", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-10-31_00:47:34", "killed": false, "user_key": "624938127b30f4c3631dc77a0645ea93", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/31/2008 12:47 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}, "21316338": {"up_voted": false, "ip": "", "has_replies": false, "message": "My bank has free overdraft protection which is linked to my savings account. I still try to avoid a negative balance by automatically depositing enough money to cover my recurring expenses every month, plus a little extra for non-recurring expenses.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-02_19:32:32", "killed": false, "user_key": "380f30503b57c136d82cc339eccaedd3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/02/2008 07:32 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}, "21316339": {"up_voted": false, "ip": "", "has_replies": false, "message": "Not really a tip to avoid overdrawing, but a tip to avoid the fees.  <br>1.  ING does not charge overdraft fees, but instead will charge you interest on the overdraft amount.  So if you transfer the money in same day you will not pay anything.<br><br>2.  I'm not sure how many banks do this, but Wells Fargo let me link my checking account to my (Wells Fargo) credit card, and any overdrafts automatically charge to the card with no additional fees. I have yet to overdraw my account, but I would think this behaves in a similar fashion to ING.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-05_17:26:47", "killed": false, "user_key": "928a983fb069dd51caa10115d129636a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/05/2008 05:26 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}, "21316340": {"up_voted": false, "ip": "", "has_replies": false, "message": "I concur about USAA; a very good bank with overdraft protection will help protect from fees.  Also, you can leave a cushion in your account.  If you have $100 in your account, just show that you have $50 and you should always have that $50 cushion.  Lastly, do not buy anything that you do not need.  We all crave instant gratification, we just need to curb that.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-05_20:42:32", "killed": false, "user_key": "14de65a1cb187e0b4762c2fdf17170f2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/05/2008 08:42 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}, "21316341": {"up_voted": false, "ip": "", "has_replies": false, "message": "In addition to the obvious things like building a buffer into your account, spending less and linking your checking to your savings,if you can't seem to get out from under never ending overdraft fees, go to an all cash or cash/money order system until all your check clear your bank and you've paid all the fees.  Draw a line in your checkbook and then start over.  Or, if you can't quite put your finger on it, but you feel like something is not quite right, once your checks clear, change banks.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-05_21:00:13", "killed": false, "user_key": "4667f9a36597e7f4630dd4082f7d04e5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/05/2008 09:00 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}, "21316342": {"up_voted": false, "ip": "", "has_replies": false, "message": "Mine is a three step approach.  First, I track all my expenditures on a daily basis using Excel.  I know it sounds like a lot of work, but I always want to know exactly how much I have.  I get frustrated by restaraunts or gas stations that will put a partial hold - if any - for purchases.  Also, I've also ordered from companies that don't charge you until they ship, which has been as long as a month after I order.  At any given moment, my Excel checkbook is much more accurate than my bank's online info.<br><br>My second step is to minimize the amount of automated withdraws from my account, and to track them at least a month in advance.  This has two advantages - first, you won't get caught off guard by automated bills.  And second, by not giving companies automated access to your account, you give yourself more power in dealing with problems.  If I get an incorrect bill, I can call customer service first.  If it's automated, I'm forced to try to argue for my money back.  Not a good position to be in.<br><br>And my third step is to maintain a $100 buffer.  Ideally it never comes down to it, but it's nice to have that emergency stash in case I do make a mistake and forget about something, or if a sudden need for cash comes up.  Again, if your using Excel, it's easy to setup a \"holding account\" that you automatically subtract from your actual available balance.<br><br>Because I've been using these steps religiously, I can't remember the last time I had any overdraft fees.<br><br>Great idea for a contest by the way!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-05_21:22:15", "killed": false, "user_key": "42d4adbd330baa78dcd0f514f598ad3a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/05/2008 09:22 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}, "21316343": {"up_voted": false, "ip": "", "has_replies": false, "message": "I agree with the others who use the rounding method.  It's easy and over time it provides  a nice cushion provided you don't overdraft by large amounts.  Every few months I reconcile this to get a general idea of what I have in the rounding bucket.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-05_21:40:01", "killed": false, "user_key": "39ec9f27bcdcf4779b1d8e5ec8bbbf42", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/05/2008 09:40 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}, "21316344": {"up_voted": false, "ip": "", "has_replies": false, "message": "The most obvious ways to avoid overdrafts are that you need to have the money in your account before you write the check.  You can avoid that problem by only using a check card that checks your balance and then places a hold on your account for that amount.  <br><br>In many places, you can get an Overdraft Loan.  It's basically a line of credit.  While I wouldn't suggest using it a lot, they usually only carry an annual fee and a high interest rate.  The one at my Credit Union is $10 a year and a rate of 18%.  The rate is horrible and the fee would be too if you never used it.  But if you find yourself using it occasionally, both are much better than the $30 or more that you would get if you went overdraft.<br><br>The ultimate way to avoid overdraft fees, however, is to pay for everything in cash.  Sometimes it's not possible, but paying for as much as possible that way can really be the best avoidance of overdrafts.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-05_23:23:45", "killed": false, "user_key": "e4f79761bed9c3324506976b85bfedb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/05/2008 11:23 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}, "21316345": {"up_voted": false, "ip": "", "has_replies": false, "message": "Join a credit union w/o overdraft fees!  I also take a peak at my accounts every night so I know if I have the money before I cut a check or make an online billpay.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-05_23:49:41", "killed": false, "user_key": "77a113727c5749f5711e935af2e340db", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/05/2008 11:49 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}, "21316346": {"up_voted": false, "ip": "", "has_replies": false, "message": "I always keep check my main checking account in the morning.  It puts me in a mindset to keep track of my spending and keep in mind how much I have spent recently.  Plus, I will never write a check for over that amount.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-06_07:55:47", "killed": false, "user_key": "2d02789b6379400949acea21bade420e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/06/2008 07:55 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}, "21316347": {"up_voted": false, "ip": "", "has_replies": false, "message": "My suggestion is to talk to your bank. Most banks will allow ovedrafts at no charge. They will do this if: 1. your credit is good or 2. if your account has been in good standing for a long period of time. <br>The other way that you can avoid paying a fee is to open a savings account. Have the savings account cover your checking this will always give you that cusion just in case it is needed.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-06_09:58:43", "killed": false, "user_key": "dcf93b997c9594a67314879b51544c34", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/06/2008 09:58 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}, "21316348": {"up_voted": false, "ip": "", "has_replies": false, "message": "After spending around $800 in overdraft fees for my son (could have bought him a car with that $), I make sure that enough cash is in his checking account. We do use the overdraft protection with a savings account. I would really like to win the Quicken accounting system for my business that I am going to be purchasing in 2009.  We need the software before getting the business so that my accounting person can learn how to use it.  Please select me!!!!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-06_10:07:00", "killed": false, "user_key": "6ab695d971cc41f948f2d61a4842b5f1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/06/2008 10:07 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}, "21316349": {"up_voted": false, "ip": "", "has_replies": false, "message": "I update Quicken every 3-4 days while I'm reading the news/blogs over breakfast (in fact I'm updating as we speak).  This way it only takes about 5 minutes, and it gives me a good idea of what's in all of my various checking/savings accounts (downside of grad school... too many moves, too many bank accounts).  <br><br>I pay for everything with credit cards (juggling a few for maximum rewards), then pay in full at the end of the month. I very rarely  use a debit card, and I also try to keep at least one month's rent in the account just in case. (~1000)  I rarely write checks,and when I do, they're generally a recurring expense less than $100", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-06_10:33:17", "killed": false, "user_key": "47ee821491e8df989c8d405c398259aa", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/06/2008 10:33 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}, "21316350": {"up_voted": false, "ip": "", "has_replies": false, "message": "No debit cards and no ATM use. My regular expenses go on my Discover card (so I can get my cash back - yes, I pay it in full every month), and my checking account just pays that one bill and whatever else I have, so I can't accidentally spend more than is in the account.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-06_11:12:53", "killed": false, "user_key": "3703f33bb1dc9c6de3ee40f766ca800c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/06/2008 11:12 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}, "21316351": {"up_voted": false, "ip": "", "has_replies": false, "message": "I think to use low balance alert is one of the helpful way for you to be mindful when you spend.<br>Thanks for the chance. I've been using Q for more than 15 years.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-11-06_11:25:14", "killed": false, "user_key": "1489b9a4e83c4fcbccf67d6ccd264df2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/06/2008 11:25 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}}, "integration": {"receiver_url": "", "theme": 4, "reply_position": true, "disqus_logo": false}, "timer": {"timer_url": "http://localhost:8005", "thread_id": "42499165", "user_id": "anonymous", "forum_id": "214864", "hash": 9138985383569594656}, "thread": {"days_alive": 0, "slug": "how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway", "paginate": false, "num_pages": 1, "num_posts": 61, "per_page": 0, "total_posts": 0, "realtime_paused": true, "id": 42499165, "queued": false}, "reactions_limit": 10, "context": {"show_reply": true, "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=how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway' +
		'&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/how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway/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='	+ 'how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway'
			+ '&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/how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway/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">61</span> Comments\
	 &nbsp;\
	 <span class="dsq-item-feed">\
	 <a href="http://consumerismcommentary.disqus.com/how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway/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/how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway/">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">\
	 </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/how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway/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 '';
	};

	//
	// 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:42499165" 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'				: 'how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway',
			// 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/how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway/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='	+ 'how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway'
			+ '&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='	+ 'how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway'
			+ '&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='		+ 'how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway'
				+ '&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/42499165/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-21316302">\
	 <div id="dsq-comment-header-21316302" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316302" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316302">Lance</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316302" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316302" class="dsq-comment-message">I use the free service My Yodlee to keep track of all my accounts (checking, savings, investments, etc.) and it will allow you to set up automatic reminders and alerts.<br><br>I have alerts set up for each of my accounts that send me an email for 3 things:<br>1 - If the balance drops below a certain minimum, my safety net<br>2 - Large withdrawals, I do this primarily as a safety feature so that I am aware if there were any large unauthorized transactions<br>3 - Large deposits, this is just for my information so I can get updated with my payday deposits<br><br>This is my best suggestion, set up alerts associated with a minimum balance so that you are completely aware if things start to drop too low and an overdraft possibility exists.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316303">\
	 <div id="dsq-comment-header-21316303" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316303" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316303" href="http://livingthefrugallife.blogspot.com/" target="_blank" rel="nofollow">Kate</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316303" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316303" class="dsq-comment-message">I have a tip regarding overdraft protection: bank with USAA if you\'re eligible.  I have both savings and checking with them, and the overdraft protection is free.  On top of that, they\'ll reimburse up to $10 in ATM fees per month when you use other banks\' ATMs.  Can\'t say fairer than that, can you?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316304">\
	 <div id="dsq-comment-header-21316304" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316304" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316304" href="http://www.countingmypennies.com/" target="_blank" rel="nofollow">Megan</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316304" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316304" class="dsq-comment-message">One thing I do is always round up my expenses.  Spend $21.45?  Round it to $22.  Or better, round it to $25.  It\'s easier to track in your head, and it creates a nice little buffer.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316305">\
	 <div id="dsq-comment-header-21316305" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316305" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316305">Joe</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316305" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316305" class="dsq-comment-message">I agree with Kate about USAA.  I bank with them as well and get free overdraft protection.  I do, however, also link my savings account to my checking account.  I did that when I was younger and not quite as smart about tracking my money ;-)  It seems like a common-sense type of thing to me.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316306">\
	 <div id="dsq-comment-header-21316306" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316306" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316306">Susan</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316306" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316306" class="dsq-comment-message">One thing about overdrafts though is if your check bounces, you get NSF fees on your bank\'s side and possibly on the other side too.  <br><br>One thing would be to make sure to every night, guestimate how much you spent out of your checking account (through debit card purchases, checks written, etc). Make sure to round up. That should give you an approximate idea of how much you spent.<br><br>Even better would be to write down every transaction in Quicken, but that might be asking for too much.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316307">\
	 <div id="dsq-comment-header-21316307" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316307" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316307" href="http://www.spoodles.wordpress.com/" target="_blank" rel="nofollow">Spoodles</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316307" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316307" class="dsq-comment-message">I always keep at least one month of expenses in my checking account.  That\'s probably overkill, but I REALLY don\'t want to overdraft.  Ever.<br><br>I\'m still using the \'07 version of Quicken along with YNAB, and it\'s working out just fine for me, but I\'d love to win this one to give to my little sister.  Girl could use some $ help.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316308">\
	 <div id="dsq-comment-header-21316308" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316308" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316308">Yana</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316308" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316308" class="dsq-comment-message">It doesn\'t matter to me what the bank labels the accounts.  Most of our savings is in checking, I don\'t keep the balance low enough to risk overdrafts, and I like having instant access to funds at all times.  Local savings account interest rates are a joke, but then, even the highest ones we have (ING, Charles Schwab) are not high anymore.  We like having multiple financial institutions, and have seven.  We pay no fees at any, and at one bank had to open a "savings" account with an auto-transfer from checking in order to keep the account free.  It is rare that we use ATMs for cash, but when we do, we use the Charles Schwab account since any associated fees are paid for by Schwab.  I don\'t like bank accounts that require a minimum balance, but impose one on myself (loosely), because I don\'t ever want to pay any kind of fee.   I find that this method helps to keep me satisfied with our banks.  If you\'re not ever-aware and careful about your money, you have to be selective in what bank you use, because some are just not designed for those who can\'t keep a buffer.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316309">\
	 <div id="dsq-comment-header-21316309" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316309" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316309" href="http://blogs.creditcards.com/" target="_blank" rel="nofollow">Dan Ray</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316309" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316309" class="dsq-comment-message">Greetings, Flexo and all those interested in personal finance.<br><br>One important thing people should be aware of is that most banks practice the "biggest first" order of cashing checks. <br>Take someone who writes three checks -- one for $1,000 for the rent, and then a pair of $50 checks for groceries and a really good shoeshine (I dunno, I\'m just making it up). All three checks hit the bank the same day.<br>If that someone had $999 in the bank, that poor person will get hit with three overdraft charges, because the bank will first cash the $1,000 check, and then the $50 checks.<br>If the bank had process smallest check first, the $50 checks would have gone through, and only the $1,000 check would cause the overdraft.<br><br><br>Of course, no one should deliberately write a check for more money than they have, but those who accidentally do so should be aware that bank policies are written in a way that will cause the maximum damage.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316310">\
	 <div id="dsq-comment-header-21316310" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316310" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316310">Arun</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316310" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316310" class="dsq-comment-message">Using quicken and monitoring your expenses one month out is what I do to make sure I do not have any overdraft on my accounts. I always project my bills into the next month. To deal with emergency you have to have some money set aside in a savings account.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316311">\
	 <div id="dsq-comment-header-21316311" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316311" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316311">Leigh</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316311" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316311" class="dsq-comment-message">A teacher told me once how she balances her checkbook, Every month she pays here bills and whatever is left in the checking account is then left there. The next month, she would would only count her deposits as available for bills. Over time a cushion in built up to prevent overdrafts. I review of that balance every once in a while would be to invest the money in other areas, but leaving a cushion in the account.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316312">\
	 <div id="dsq-comment-header-21316312" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316312" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316312">David</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316312" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316312" class="dsq-comment-message">I try to have a checking account with online features that allow me to check the transactions and balance in essentially real time. Many banks will send you an email alert if your balance gets below a certain amount.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316313">\
	 <div id="dsq-comment-header-21316313" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316313" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316313" href="http://www.virtualteahouse.com/" target="_blank" rel="nofollow">Andy Gray</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316313" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316313" class="dsq-comment-message">Some banks also allow you to define email notifications for various conditions; for example, if your balance drops below a certain threshold.  While no substitute for tracking the details with Quicken or similar, this can alert you if things don\'t go as planned.  (This is similar to what Lance describes with Yodlee, but it may be available to you even without a third-party service.)</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316314">\
	 <div id="dsq-comment-header-21316314" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316314" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316314">Thom</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316314" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316314" class="dsq-comment-message">I typically know the balance in my checking account pretty well.  That being said it\'s easy for me to have good sense because I don\'t have to make many withdrawals over the course of the month.  <br><br>Most of my day to day purchases are put on one of two credit cards (one personal, one 50/50 split with my girlfriend for food, utilities etc).  My regular debits are 1)  automatic savings, 2) rent, 3) Subway pass (through work), 4) 1-2 ATM withdrawals, 5) Credit Card 1, 6) Credit Card 2.<br><br>The first three transactions come at the beginning of the month when I get paid, so there\'s no risk of overdraft there.  I always pay the credit cards off on my home computer so I have access to my balances with MS money, so I know that I have enough to cover them.  If I know I\'ll have to make an ATM withdrawal I\'ll check my balance the night before.<br><br>I typically don\'t look online because that balance may not reflect all of the transactions that have occured.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316315">\
	 <div id="dsq-comment-header-21316315" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316315" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316315" href="http://ptmoney.com/" target="_blank" rel="nofollow">PT</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316315" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316315" class="dsq-comment-message">I set threshold alerts on my accounts.  When my balance dips below a certain amount I get an email.  That\'s the best advice I can give.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316316">\
	 <div id="dsq-comment-header-21316316" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316316" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316316">Stephen</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316316" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316316" class="dsq-comment-message">I recommend as much automation as possible -- pretty much any bill can be setup to pull from a checking account automatically.  At the same time, make sure you also set up an automatic transfer *into* that account of at least enough money to cover the most expensive month of bills (December for us).  Granted, you should still keep an eye on things, but using this general method we almost never write checks and haven\'t had an overdraft in almost 3 years.<br><br>As a bonus, you can slowly increase the amount you transfer in as a way to build up an emergency fund :).</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316317">\
	 <div id="dsq-comment-header-21316317" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316317" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316317">Nick</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316317" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316317" class="dsq-comment-message">It is not very efficient, but I check my accounts every day to make sure I am not close.  (I also buffer by $1500.)</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316318">\
	 <div id="dsq-comment-header-21316318" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316318" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316318">Eric N.</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316318" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316318" class="dsq-comment-message">My personal way of avoiding overdraft fees is to sign up for online banking and check my balances once a day to make sure everything is ok. I hate to see anyone having to pay these things!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316319">\
	 <div id="dsq-comment-header-21316319" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316319" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316319">Wayne</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316319" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316319" class="dsq-comment-message">One way I found to avoid fees is to not carry the debit card around with you.  When you get paid, withdraw some amount of money, put it in envelope and use what is available.  I see the fees happening due to folks just using the card here and there (it adds up)and not keeping tabs of the purchases.  Better to put it away and carry cash.  What you have is what you can spend.<br><br>As for checks, do all online so when I have to make a payment, I know what I have there to use.  Also set up payments to occur around when one gets paid so there is sufficient funds available.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316320">\
	 <div id="dsq-comment-header-21316320" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316320" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316320">Patrick</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316320" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316320" class="dsq-comment-message">My identity was stolen a few years ago. The thieves tried to cash many bogus checks, right below the level that requires human processing. My checking account was quickly emptied and thanks to the overdraft protection, part of my saving account as well. I got everything back, but it took several days to clear it up, specially the overdraft fees. If I didn\'t have overdraft protection, the damage would have been limited to my checking account and the recovery would have been much simpler.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316321">\
	 <div id="dsq-comment-header-21316321" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316321" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316321" href="http://www.wisemoneymatters.com/" target="_blank" rel="nofollow">CJ</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316321" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316321" class="dsq-comment-message">Also remember that in the case you do go over, most banks allow at least one charge to be deposited back into your account with ease. Any after the first is a headache though.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316322">\
	 <div id="dsq-comment-header-21316322" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316322" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316322">Sean</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316322" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316322" class="dsq-comment-message">I have a few thoughts on this particular topic.  <br><br>First, find a bank and an account that works for you.  Many people have mentioned USAA and the good deals they offer which sound great.  I bank with a local credit union and for me it is perfect, they have low fees, no ATM fees, and are generally friendly.  It is worth being choosy when finding a bank especially if you think you might overdraft.<br><br>Second, go old-fashioned.  Quicken is great, but sometimes a piece of paper on the fridge still trumps it.  My wife and I have a bi-weekly budget.  Every 2 weeks we put up X-dollars on the sheet of paper and as we spend money we write the amount or a rounded up approximation of the amount on the sheet on the fridge.  This keeps us honest about our budget, then every week or so I quickly go through and reconcile the actual amounts with Quicken.  This is a great way to keep track of daily spending, budgeting and avoid overdrafts IMHO.<br><br>Finally, check if your bank offers alerts.  I have an alert setup that will send an SMS message to my phone and an e-mail if my balance falls below a certain amount.  I also have similar alerts for my credit cards that warn me 5 days in advance of the due date if I haven\'t made a payment.  These 2 minor things have saved me in the past (before I went on a budget) from inflicting these heavy fees.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316323">\
	 <div id="dsq-comment-header-21316323" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316323" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316323">rewards</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316323" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316323" class="dsq-comment-message">Pay with cash or credit, not debit or checks :)</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316324">\
	 <div id="dsq-comment-header-21316324" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316324" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316324">Joe</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316324" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316324" class="dsq-comment-message">I use the following four legged stool approach to avoid overdraft fees:<br><br>1. I used ING DIRECT for my primary bank account. For me, that has been one of the surest ways to avoid overdraft fees AND receive a little bit of interest on my account balance. ING DIRECT is at <a href="http://www.ingdirect.com" rel="nofollow">www.ingdirect.com</a>. <br><br>Even if I choose to have a paper check sent to someone, it *originates* through ING DIRECT and if the money is not in my account the night before the check is scheduled to be mailed, it simply does not go. Naturally the same goes for electronic checks. (I avoid these bounce backs. Read on.)<br><br>If I have an electronic debit coming from a merchant or credit card company that is larger than the balance in my account - it just bounces back. (As I said, I avoid bounce backs. Read on.)<br><br>Likewise at the ATM. If my withdrawal amount is more than my account balance - I don\'t get the cash. <br><br>ING DIRECT makes it easy for me to keep track of where I stand. However - I still use a Credit Card and Quicken to track my cash flow.<br><br>2. I charge all that I can to the Credit Card - utilities, cable, phone, and similar routine bills. Then I pay the card through ING. I set the card to debit ING automatically each month for the full balance, so I don\'t worry about missing a card deadline and paying a fee that way. <br><br>Other items like the Mortgage Payment originate automatically through ING. <br><br>3. I use Quicken to be sure that I live within my budget and know what by balance at ING *will be* over the next 30 days.  What do I mean? I mean that I post, in advance, every bill that will be paid from the 5th of one month to the 5th of the next month. <br><br>Sure, some of the advance postings are estimates, and that is where the 4th leg comes in.<br><br>4. I receive notice of every bill through electronic delivery. The email account that I read every day tells me when a biller has created a new bill and how much it is. Most of these go to the credit card. I post that data diligently, as received, to the Quicken account (I don\'t let Quicken post for me). Others bills will come out of my ING DIRECT account. Likewise I update my ING DIRECT account for the exact amount.<br><br>So, as the month goes along each biller notifies me electronically what I owe them (electric, phone, cable, utilities, health care, and so on). I reconcile, update the posting, and have absolutely no surprises. <br><br>My ING DIRECT balance and Quicken balance always agree. I know when I have to dig into savings in plenty of time to make the transfer. I have never had a need for a paper check in my wallet. Overdraft fees are 0. Credit Card late fees are 0. I earn a little interest on the ING DIRECT balance. I sleep soundly on my four legged stool.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316325">\
	 <div id="dsq-comment-header-21316325" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316325" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316325">RLZ</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316325" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316325" class="dsq-comment-message">Quicken is one of the best ways to monitor your balance.  However, if you are married there are other issues to think about as, if you are both writing checks or using debit cards, you may be much more likely to overdraw.  We handle this by having one person hold all the checks.  For our debit cards, we maintain constant communication about our spending in conjunction with using Quicken to continually update our balance.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316326">\
	 <div id="dsq-comment-header-21316326" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316326" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316326" href="http://www.moneyandsuch.blogspot.com/" target="_blank" rel="nofollow">shadox</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316326" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316326" class="dsq-comment-message">Keeping more money in your account than is exactly necessary to cover your bill is good way to ensure you don\'t get charged overdraft charges if you make a mistake in calculating your bills. Of course, one needs to balance between making sure your account is not overdrawn and needlessly keeping money in a low yielding checking account.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316327">\
	 <div id="dsq-comment-header-21316327" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316327" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316327" href="http://www.canajunfinances.com/" target="_blank" rel="nofollow">Big Cajun Man</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316327" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316327" class="dsq-comment-message">I have my chequing account connected to my line of credit, but the other way to keep from overdraftings is to:<br><br>1) Stop spending too much :-) (Sorry figured I\'d state the obvious)<br>2) Set an artificial line in  your chequing account (i.e. $0 in Quicken actually means there is still $100 in your real bank account).<br><br>Either one works.<br>C8j</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316328">\
	 <div id="dsq-comment-header-21316328" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316328" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316328">juggler314</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316328" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316328" class="dsq-comment-message">I use quicken and plan out my spending for the next paycheck about 1 week in advance. That is a week before I get paid I enter in all the monthly bills I know will go through into quicken. Then I pretty much only charge to a credit card that gets paid off every month. My actual bank account only has maybe 20 transactions/month. All checks, pre-authorized debits and cash withdrawals.<br><br>Works for me.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316329">\
	 <div id="dsq-comment-header-21316329" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316329" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316329">Eric G.</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316329" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316329" class="dsq-comment-message">After years of no problems with overdraft fees, my wife and I have found that as life has gotten busier our record keeping is lagging and we\'ve seen a few of these this year.  It\'s painful to see the charges these create and how expensive a little lax in record-keeping can be.<br><br>In our case, we plan to build up a buffer so that we can prevent this from happening in the future.  With three kids and the economy the way it is today, this is harder than ever and yet more important than ever!<br><br>I will also be exploring the alerts available through our bank today to let me know when the balance falls below a certain level.  I\'m not sure if our local bank offers that level of assistance, but I\'m going to find out.  If not, then I may look into the My Yodlee site or another option.<br><br>Disciplining ourselves to have a regular pattern of updating our account information seems like an important step in preventing overdrafts in the future.<br><br>Thanks for the great information on a consistent basis!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316331">\
	 <div id="dsq-comment-header-21316331" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316331" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316331">Tyler</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316331" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316331" class="dsq-comment-message">The way I avoid overdraft fees is using my credit card for everything that I possibly can and then paying it off in full every month.  I also use Quicken to keep track of my expenses and to balance my checkbook and other accounts.  It seems easy to me, but I\'ve never had an overdraft (knock on wood) and the software makes it easy to keep on top of things.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316332">\
	 <div id="dsq-comment-header-21316332" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316332" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316332" href="http://www.capitalistmaven.com/" target="_blank" rel="nofollow">Jon</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316332" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316332" class="dsq-comment-message">I agree with the previous poster about using Quicken to track your checking account balances.  I try to keep approximately $1000-$2000 in my E*Trade checking account at all times, this way I don\'t need to worry about tracking small amounts, there\'s always money to cover any small transaction.  Any larger transactions are usually planned in advance so I just schedule a transfer to occur from savings at the same time.  Keeping some padding in your checking account is the best way to avoid overdrafts.<br><br>Also, while debit cards are ok for people who can\'t control their spending, for almost everybody else they suck.  I\'d much rather worry about a single large credit card billpay transaction than hundreds of small debit transactions.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316333">\
	 <div id="dsq-comment-header-21316333" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316333" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316333">unimax</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316333" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316333" class="dsq-comment-message">I completely agree with you. I have linked savings account which acts as a buffer. I wish the pass some regulation regarding the order withdrawals and deposits so as to help the consumer prevent from paying the overdraft fee.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316334">\
	 <div id="dsq-comment-header-21316334" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316334" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316334">Gus</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316334" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316334" class="dsq-comment-message">Put a minimum amount of more than your monthly rent + utility bills in your bank account, and check your balance at least once a week (only takes a minute or two to do this).</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316335">\
	 <div id="dsq-comment-header-21316335" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316335" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316335">Emily Lauren</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316335" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316335" class="dsq-comment-message">I know this isn\'t ideal, it\'s better to pay closer attention to dates and amounts... but when I have large bills that I need to pay in addition to my regulars and I don\'t know when everything will be posted and come through, I\'ll transfer the amt of the large bills from a savings into the checking, then transfer that amount back once paychecks and regular bills shake out to make sure I\'m covered.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316336">\
	 <div id="dsq-comment-header-21316336" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316336" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316336" href="http://www.thehappyrock.com/" target="_blank" rel="nofollow">The Happy Rock</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316336" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316336" class="dsq-comment-message">Use ING Electric Orange which gives you an overdraft line of credit.  You pay no fees and only interest on the overdraft line until the money gets back in there.  Plus checks work like bank checks were you need the cash in the account, so you can\'t write a bad check.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316337">\
	 <div id="dsq-comment-header-21316337" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316337" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316337">Juggler314</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316337" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316337" class="dsq-comment-message">I love ING for everything but that, back when the economy first started failing they went through and soft pulled everyone\'s credit and if you didn\'t have spectacular credit they slashed it to $25, useless for me...</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316338">\
	 <div id="dsq-comment-header-21316338" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316338" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316338" href="http://cashmoneylife.com/" target="_blank" rel="nofollow">Patrick</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316338" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316338" class="dsq-comment-message">My bank has free overdraft protection which is linked to my savings account. I still try to avoid a negative balance by automatically depositing enough money to cover my recurring expenses every month, plus a little extra for non-recurring expenses.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316339">\
	 <div id="dsq-comment-header-21316339" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316339" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316339" href="http://www.freefrommoney.net/" target="_blank" rel="nofollow">Rich</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316339" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316339" class="dsq-comment-message">Not really a tip to avoid overdrawing, but a tip to avoid the fees.  <br>1.  ING does not charge overdraft fees, but instead will charge you interest on the overdraft amount.  So if you transfer the money in same day you will not pay anything.<br><br>2.  I\'m not sure how many banks do this, but Wells Fargo let me link my checking account to my (Wells Fargo) credit card, and any overdrafts automatically charge to the card with no additional fees. I have yet to overdraw my account, but I would think this behaves in a similar fashion to ING.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316340">\
	 <div id="dsq-comment-header-21316340" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316340" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316340">Todd</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316340" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316340" class="dsq-comment-message">I concur about USAA; a very good bank with overdraft protection will help protect from fees.  Also, you can leave a cushion in your account.  If you have $100 in your account, just show that you have $50 and you should always have that $50 cushion.  Lastly, do not buy anything that you do not need.  We all crave instant gratification, we just need to curb that.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316341">\
	 <div id="dsq-comment-header-21316341" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316341" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316341" href="http://simplyforties.blogspot.com/" target="_blank" rel="nofollow">Mary</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316341" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316341" class="dsq-comment-message">In addition to the obvious things like building a buffer into your account, spending less and linking your checking to your savings,if you can\'t seem to get out from under never ending overdraft fees, go to an all cash or cash/money order system until all your check clear your bank and you\'ve paid all the fees.  Draw a line in your checkbook and then start over.  Or, if you can\'t quite put your finger on it, but you feel like something is not quite right, once your checks clear, change banks.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316342">\
	 <div id="dsq-comment-header-21316342" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316342" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316342" href="http://www.pimpyourfinances.com/" target="_blank" rel="nofollow">David</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316342" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316342" class="dsq-comment-message">Mine is a three step approach.  First, I track all my expenditures on a daily basis using Excel.  I know it sounds like a lot of work, but I always want to know exactly how much I have.  I get frustrated by restaraunts or gas stations that will put a partial hold - if any - for purchases.  Also, I\'ve also ordered from companies that don\'t charge you until they ship, which has been as long as a month after I order.  At any given moment, my Excel checkbook is much more accurate than my bank\'s online info.<br><br>My second step is to minimize the amount of automated withdraws from my account, and to track them at least a month in advance.  This has two advantages - first, you won\'t get caught off guard by automated bills.  And second, by not giving companies automated access to your account, you give yourself more power in dealing with problems.  If I get an incorrect bill, I can call customer service first.  If it\'s automated, I\'m forced to try to argue for my money back.  Not a good position to be in.<br><br>And my third step is to maintain a $100 buffer.  Ideally it never comes down to it, but it\'s nice to have that emergency stash in case I do make a mistake and forget about something, or if a sudden need for cash comes up.  Again, if your using Excel, it\'s easy to setup a "holding account" that you automatically subtract from your actual available balance.<br><br>Because I\'ve been using these steps religiously, I can\'t remember the last time I had any overdraft fees.<br><br>Great idea for a contest by the way!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316343">\
	 <div id="dsq-comment-header-21316343" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316343" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316343">kevin29</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316343" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316343" class="dsq-comment-message">I agree with the others who use the rounding method.  It\'s easy and over time it provides  a nice cushion provided you don\'t overdraft by large amounts.  Every few months I reconcile this to get a general idea of what I have in the rounding bucket.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316344">\
	 <div id="dsq-comment-header-21316344" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316344" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316344" href="http://www.beatingbroke.com/" target="_blank" rel="nofollow">Beating Broke</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316344" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316344" class="dsq-comment-message">The most obvious ways to avoid overdrafts are that you need to have the money in your account before you write the check.  You can avoid that problem by only using a check card that checks your balance and then places a hold on your account for that amount.  <br><br>In many places, you can get an Overdraft Loan.  It\'s basically a line of credit.  While I wouldn\'t suggest using it a lot, they usually only carry an annual fee and a high interest rate.  The one at my Credit Union is $10 a year and a rate of 18%.  The rate is horrible and the fee would be too if you never used it.  But if you find yourself using it occasionally, both are much better than the $30 or more that you would get if you went overdraft.<br><br>The ultimate way to avoid overdraft fees, however, is to pay for everything in cash.  Sometimes it\'s not possible, but paying for as much as possible that way can really be the best avoidance of overdrafts.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316345">\
	 <div id="dsq-comment-header-21316345" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316345" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316345">TheMightyQuinn</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316345" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316345" class="dsq-comment-message">Join a credit union w/o overdraft fees!  I also take a peak at my accounts every night so I know if I have the money before I cut a check or make an online billpay.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316346">\
	 <div id="dsq-comment-header-21316346" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316346" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316346">Jen</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316346" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316346" class="dsq-comment-message">I always keep check my main checking account in the morning.  It puts me in a mindset to keep track of my spending and keep in mind how much I have spent recently.  Plus, I will never write a check for over that amount.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316347">\
	 <div id="dsq-comment-header-21316347" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316347" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316347" href="http://www.overbrook-oktoberfest.com/" target="_blank" rel="nofollow">lovenitt</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316347" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316347" class="dsq-comment-message">My suggestion is to talk to your bank. Most banks will allow ovedrafts at no charge. They will do this if: 1. your credit is good or 2. if your account has been in good standing for a long period of time. <br>The other way that you can avoid paying a fee is to open a savings account. Have the savings account cover your checking this will always give you that cusion just in case it is needed.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316348">\
	 <div id="dsq-comment-header-21316348" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316348" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316348">Liz</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316348" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316348" class="dsq-comment-message">After spending around $800 in overdraft fees for my son (could have bought him a car with that $), I make sure that enough cash is in his checking account. We do use the overdraft protection with a savings account. I would really like to win the Quicken accounting system for my business that I am going to be purchasing in 2009.  We need the software before getting the business so that my accounting person can learn how to use it.  Please select me!!!!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316349">\
	 <div id="dsq-comment-header-21316349" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316349" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316349">Steph</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316349" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316349" class="dsq-comment-message">I update Quicken every 3-4 days while I\'m reading the news/blogs over breakfast (in fact I\'m updating as we speak).  This way it only takes about 5 minutes, and it gives me a good idea of what\'s in all of my various checking/savings accounts (downside of grad school... too many moves, too many bank accounts).  <br><br>I pay for everything with credit cards (juggling a few for maximum rewards), then pay in full at the end of the month. I very rarely  use a debit card, and I also try to keep at least one month\'s rent in the account just in case. (~1000)  I rarely write checks,and when I do, they\'re generally a recurring expense less than $100</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316350">\
	 <div id="dsq-comment-header-21316350" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316350" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316350">Kimberly</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316350" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316350" class="dsq-comment-message">No debit cards and no ATM use. My regular expenses go on my Discover card (so I can get my cash back - yes, I pay it in full every month), and my checking account just pays that one bill and whatever else I have, so I can\'t accidentally spend more than is in the account.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316351">\
	 <div id="dsq-comment-header-21316351" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316351" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316351">Jun</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316351" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316351" class="dsq-comment-message">I think to use low balance alert is one of the helpful way for you to be mindful when you spend.<br>Thanks for the chance. I\'ve been using Q for more than 15 years.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316352">\
	 <div id="dsq-comment-header-21316352" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316352" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316352">scottwinks</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316352" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316352" class="dsq-comment-message">Seek out a bank or credit union with Rewards checking  That way keeping a balance higher than needed monthly won\'t mean a loss in interest income.  You need to understand the requirements needed to receive the high interest rate though (certain number of debit card transactions are often required.)</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316353">\
	 <div id="dsq-comment-header-21316353" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316353" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316353">Dave N</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316353" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316353" class="dsq-comment-message">Echoing the use of ING with (limited) free overdraft protection. I also use a low interest money market account linked to another checking account for overdraft protection. Not the best deployment of funds, but it is easier. <br><br>If I win it will be a switch back to quicken from M$ Money... They have trashed my data for the last time. ( 8 years worth. My online backup was deleted as well because I didn\'t access it enough. )</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316354">\
	 <div id="dsq-comment-header-21316354" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316354" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316354">Phillip</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316354" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316354" class="dsq-comment-message">I suppose this is really avoidance but in addition to tracking expenses, I\'ve trained myself to think of my bank balance as at zero when there\'s really about $1000 in it. I\'ve tricked myself into not allowing my account to get until $1000 under any circumstances. I guess it\'s really just an emergency fund but it\'s more about training your mind to ignore the reality of the number and pretend it\'s just all zeros. Doing that means that I can\'t buy anything if I\'m close to the $0 ($1000) and if I accidentally have something withdraw, I \'freak out\' and ensure to get it back over $0 ($1000). This way I never pay any NSF or overdraft fees, and a bonus is that depending on what the minimum is, I don\'t have to pay for checks either. It\'s really just a getting into the right mindset and tricking yourself into establishing a bottom limit.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316355">\
	 <div id="dsq-comment-header-21316355" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316355" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316355">Justin</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316355" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316355" class="dsq-comment-message">As others have said, paying with credit (and then paying off the credit card each month) is an easy way to generally avoid the NSF fees (not to mention earn rewards for paying your bills).<br><br>Another thing to do is to make a list of all your major monthly payments and their due dates.  Try and divvy them up (many companies are flexible with your billing date if you just call) so they\'re evenly spaced out based on your pay frequency (if you\'re paid twice a month, or every two weeks, for example, then try to have half the bills due in the first week of the month and half in the third week of the month).  When you get your paycheck, pay off the bills that are scheduled around the time of that check.  Whatever is left over is available for the other expenses that come up (things like food and gas).</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316356">\
	 <div id="dsq-comment-header-21316356" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316356" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316356">John</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316356" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316356" class="dsq-comment-message">I have a friend who works for my bank, so I just call him up and have him reverse my fees.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316357">\
	 <div id="dsq-comment-header-21316357" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316357" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316357" href="http://investorblogger.com/" target="_blank" rel="nofollow">InvestorBlogger</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316357" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316357" class="dsq-comment-message">Well, with Google Docs, set up a blank spreadsheet, then set up a simple form that you can use to add transactions to the database. On your mobile phone or Iphone, bookmark the URL you get for the form and each time you spend something, take a few moments..  update your database via the Google Docs form.<br><br>it works a treat. When you get home you can download the transactions from Google Docs. I wrote a similar post in the links above.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316358">\
	 <div id="dsq-comment-header-21316358" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316358" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316358">Mike</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316358" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316358" class="dsq-comment-message">Like many others, I like to avoid fees of any kind on financial accounts.  As for overdrafts, I estimate monthly bills paid via checks or automatic withdrawals.  It\'s easy as amounts don\'t change that much month to month....  Then keep a few dollars extra in checking, just to be sure.....  Try to group auto payments on same day, then be sure they are covered.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316359">\
	 <div id="dsq-comment-header-21316359" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316359" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316359">skylog</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316359" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316359" class="dsq-comment-message">my advice echoes what others have said here, but for me the most important weapon i have is tracking my spending and having all of my bills in a spreadsheet. the ability to see what income is going out and where i stand makes the process painless. i also do get e-mail alerts when i come within a preset threshold and when a preset amount of money goes out. hope that helps</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316360">\
	 <div id="dsq-comment-header-21316360" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316360" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316360">Bruce Shampoe</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316360" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316360" class="dsq-comment-message">I use American Express for 95% of the time and PIF at EOM. with hilton honors points get 12-16 hotel rooms for free every year. you just need to make sure you have the money to pay.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316361">\
	 <div id="dsq-comment-header-21316361" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316361" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21316361" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316361" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316361" class="dsq-comment-message">The contest has ended. Thank you!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316362">\
	 <div id="dsq-comment-header-21316362" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316362" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316362">copeycope</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316362" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316362" class="dsq-comment-message">I suggest keeping your receipts and being dilligent using them to debit/credit your account.  not oly will you alwyas be aware of whow much money you have avaiable you will also understand where your money is going.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21316363">\
	 <div id="dsq-comment-header-21316363" class="dsq-comment-header">\
	 <cite id="dsq-cite-21316363" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21316363">David</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21316363" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21316363" class="dsq-comment-message">I use a Fidelity MySmartCash account as my primary account.  Checks are free, the account earns interest, all ATM fees are rebated, and you are able to link your checking account to your other accounts at Fidelity.  If there is ever an overdraft due to a check, ATM withdrawal, debit card transaction, etc., and there is insufficient cash in the account, cash is automatically transferred from another account for free.  You can specify which account any overdraft amount is transferred from, and also have an additional amount transferred to replenish the checking account to a "safe" balance ($250, etc.).</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=how_to_avoid_overdraft_fees_and_quicken_premier_2009_giveaway&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');
}

})();




