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"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_23:33:04", "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": {"21302656": {"up_voted": false, "ip": "", "has_replies": false, "message": "I was taught very little directly, but I learned a lot by example. Probably the buggest thing was a general sense of frugality and conservative spending. One direct lesson that I remember my dad teaching me as a kid in the toy aisle was that if there was something I was just dying to buy, I should wait a week and see if I still want it. If so, buy it. If not, then (obviously) skip it and move on.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_09:28:35", "killed": false, "user_key": "3eda6fcd3204ef285fa52176c28c4d3e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 09:28 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}, "21302657": {"up_voted": false, "ip": "", "has_replies": false, "message": "The only time my parents talked openly about money was to tell us that we didn't have any.<br><br>I remember nothing from my Kid-dom so vividly as the mountain of bills and receipts that decorated our kitchen table every other Saturday or Sunday, when Mom sat down to pay the bills.<br><br>Looking back, it's not tough to see that money was an ordeal for them. And it likely brought on many other problems.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_09:39:37", "killed": false, "user_key": "88657008abb2390a627fc25d4ca7e3db", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 09:39 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}, "21302658": {"up_voted": false, "ip": "", "has_replies": false, "message": "Well, to be brief.  I grew up lower middle class, so being somewhat thrifty/frugal was instilled upon me at a reasonably young age.  nobody explicitly taught me how to manage my money (though I'm starting to think that making a point to TEACH kids this sort of thing), i definately had good role models.  Seeing early on how to have fun without spending tons of money has made a huge impact in my life, as well as being taught by example that it's ok not to need name brands, etc...  Learning that you don't have to keep up with the Joneses early on, makes a huge difference later.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_10:12:08", "killed": false, "user_key": "b642b4217b34b1e8d3bd915fc65c4452", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 10:12 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}, "21302659": {"up_voted": false, "ip": "", "has_replies": false, "message": "Well, most of the teaching I received was by examples of what not to do.  Sadly, most of my family was pretty bad when it came to money.  The majority lived above their means instead of saving, kept credit card balances, didn't put away money for retirement etc.<br><br>My step father was probably the best influence financially to me.  Even though he(nor anyone else for that matter) never discussed finances with me, it was easy to see that he was extremely frugal and always saved and planned for the future.  I remember when I was younger and hearing about saving him wanting to put more money into cds which confused me as the only cds I knew of were the music variety :)<br><br>I do think that growing up in a middle to lower  class background is normally good for teaching people that you can't have everything and you have to make priorities.  But some of that goes out the window when your parents splurge on you every christmas and birthday.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_10:55:30", "killed": false, "user_key": "831187d2956eb3ee21b1f7339bb591f4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 10:55 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}, "21302660": {"up_voted": false, "ip": "", "has_replies": false, "message": "Seeing how my mom handled money and that she does not buy anything unless she can pay for it today.  she sewed our clothes, made all our meals and worked overtime to save for a family treat, like getting pizza (a big deal for us).<br><br>as kids, we earned an allowance for completed chorese and like blaine if we were to make a silly purchase, she would ask us if it was what we really wanted to do or would we rather save the money toward something else. I always saved, but my siblings thought money would burn a hole in their pockets!<br><br>by the way, flexo, I'm glad you increased the font size on the posted comments!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_10:55:43", "killed": false, "user_key": "f9d50d85ddeb5a198fa1f93dcf85de35", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 10:55 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}, "21302662": {"up_voted": false, "ip": "", "has_replies": false, "message": "The biggest thing I remember from when I was little was my grandfather who used to give me money for little things like getting him a drink or having lunch with him, I think it was his way of leaving me money without putting me into his will. (I'll probably do this for my grandkids one day too)<br><br>A big memory I have is that my grandfather really taught me the importance of saving money.  I can remember at a young age probably about 10 or 11 years old and my grandfather gave me $100 to open up my very own savings account. One bank actually rejected me saying that kids don't know how to save money.  We ended up going to a bank where we knew someone to open up the account.  I still have my account to this day.  I guess a kid is able to learn the value of saving money.  <br><br>When I was little I didn't like spending my money, I think that had to do with realizing that my parents didn't have much money and that they were struggling.  So I guess they taught me not to just go out and buy what I wanted when I wanted and to be sure I really wanted it before making a purchase. <br><br>I'm better now about spending money on things now because I know what I can afford and I know that some things are important for you do or spend money on.  I remember talking to my mom about the fact that she was upset that it wasn't until I was around 12 years old before we went on a real family vacation and that if she had to do it all over again she would have made sure that we did more vacations together and not being so concerned about money.<br><br>So I guess I learned a lot about money management from my family from a very young age.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_11:08:50", "killed": false, "user_key": "c205531393c51663f57a09401526b7e9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 11:08 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}, "21302663": {"up_voted": false, "ip": "", "has_replies": false, "message": "My parents always taught me that any kind of debt was bad - whether it was cc debt, car loan, house, etc.  They were a little old fashioned in this respect. However, financial responsibility is something that will never go out of style.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_11:37:45", "killed": false, "user_key": "163d3ef09080700c1aa77fed1e4df0e0", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 11:37 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}, "21302664": {"up_voted": false, "ip": "", "has_replies": false, "message": "My parents did a pretty good job teaching me how to manage my money.  From the time I was 6 they would give me an allowance once a week.  I was responsible for buying my own food, clothes, toys, etc.  This is pretty extreme but did a good job teaching me about opportunity cost.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_12:04:35", "killed": false, "user_key": "d27847065560d2621ed4cd7aa4a234ce", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 12:04 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}, "21302665": {"up_voted": false, "ip": "", "has_replies": false, "message": "I don't fault my parents, but they weren't the best examples of how to manage money because they didn't communicate.  My dad had unrealistic expectations, which led to lots of problems.<br><br>My wife and I are doing things much differently.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_12:19:17", "killed": false, "user_key": "b7d352cfb0529f96e4a54f7abffc2b20", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 12:19 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}, "21302666": {"up_voted": false, "ip": "", "has_replies": false, "message": "I grew up in a struggling single-parent household where I was acutely aware that we did not have much money, could barely afford rent, food, and clothing, and where we were constantly in crisis. When I was encouraged to save a little money from my sporadic allowance, it either got borrowed (and never repaid), or mysteriously disappeared from the piggy bank. During this time, I was extremely aware of all the material things we coveted, but could not have. My mom had no sense of saving and generally spent every penny she had (even as her income and prospects improved). The areas we lived in had folks in similar dire circumstances. One thing they did do was look out for each other. If a homeless family was left out in the soaking rain, we would take them in, give them clothes, food, share what we had. People would look out for each others kids, would loan each other emergency money, and would form a sort of safety net. Money was for sharing and spending, not keeping. To \"horde\" money by saving it was to be stingy.<br><br>I learned a lot of things growing up, but frugality, saving, and delayed gratification were not among them. What I did learn, was a lot of street smarts - how to navigate difficult, even dangerous situations. I also learned a lot about charity and how poor people get by and help each other. I also learned a lot about how unfair life can be and how poor people often get abused and taken advantage of. What I learned above all, was that I was willing to work extremely hard to get out of those circumstances. Being poor has no romance or nostalgia for me.<br><br>I used education, hard work, and a willingness to take some risks as my conduit to a different life. And I learned how to be an economically productive adult. In terms of money lessons, I fortunately have my wife and her family as excellent guides to help me overcome some of the money lessons of my childhood. They are a study in living below your means and have had a profound impact on how I view money and spending. This is not to say that I don't appreciate the many things my mom was able to teach me - just that money lessons was not one of them.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_12:28:03", "killed": false, "user_key": "69e9d8b7ca07257e3e171758a5bb3805", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 12:28 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}, "21302667": {"up_voted": false, "ip": "", "has_replies": false, "message": "Good question, and something I've been meaning to blog about.<br><br>We never talked too much about money directly when I was a kid, but some things I picked up from my parents were:<br><br>1) If you really want something, you can find a way to afford it.  As a kid, I knew that although I couldn't have everything we wanted, if there were things I really wanted, the family would make it happen financially.  Things like vacations (not lavish ones, but not super-cheap, either) were important to us as a family so we took them every year. I never felt rich, and we weren't, but I saw money as a tool my parents always seemed able to manage to help us do what we most wanted to do.  (In retrospect, I know that some of the trade-offs included things like not saving enough for their retirement.)<br><br>2) If you really want something, you have to work to make it happen.  For example, when I was 12 and fell in love with horses, my parents told me they'd pay for only two riding lessons a month.  Either I could be satisfied with that, or pay for the rest myself.  I worked in the stables, got a paper route, and babysat-- and I got my weekly riding lessons.<br><br>3) Spending money to impress other people is silly and wasteful.  My family was very down-to-earth on this front, not much emphasis on status symbols or conspicuous consumption, and as a result I (thankfully) have no comprehension of how people can spend so much money on things because they're brand names or trendy.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_12:30:24", "killed": false, "user_key": "ebe02a8204778f61b4dc40911cecfa20", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 12:30 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}, "21302668": {"up_voted": false, "ip": "", "has_replies": false, "message": "My mother's attitude toward money:<br>\"Let go and let God\", i.e., trust that everything will work out and it will. <br><br>My father's attitude:<br>\"I work very hard, and I deserve to enjoy myself with the money I earn.\"<br><br>My older sister's attitude:<br>\"Live below your means, start saving early, and don't increase your spending just because your earnings have increased.\"<br><br>My parents have been valuable examples of what NOT to do. My sister has been an example of what TO do. I am thankful to all three of them for the lessons I've learned.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_12:32:40", "killed": false, "user_key": "d6458611ba42531d78be69b13cfc9cf9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 12:32 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21302669": {"up_voted": false, "ip": "", "has_replies": false, "message": "I do not remember money lessons - nothing about allowances, big family purchases, saving, giving, spending, debt, mortgages.  We were proably in the mid to lower middle class.  And now I am a really good money manager.  It's sTrAnGe now when I think about it.  Must have been one of those osmosis things.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_12:49:06", "killed": false, "user_key": "17ea74549927a9248e82aab58a33df94", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 12:49 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}, "21302670": {"up_voted": false, "ip": "", "has_replies": false, "message": "My mom used to deposit money into my savings every week.  A \"bank man\" would come by and take deposits.  She didn't tell me much, but just watching and eventually figuring out what was going on, I think, triggered my saving habit subconsciously.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_13:14:28", "killed": false, "user_key": "811b9aa83ab1cb258c8c8db67e44b2f5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 01:14 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}, "21302671": {"up_voted": false, "ip": "", "has_replies": false, "message": "People first, then money, then things .....<br><br>Money is important but it is not worth sacrificing relationships. Live life to the fullest (that means enjoy life while saving for the rainy day), that requires change of attitude and one's outlook towards life.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_13:25:01", "killed": false, "user_key": "a11df2adff1890f54056bc724f751c14", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 01:25 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}, "21302672": {"up_voted": false, "ip": "", "has_replies": false, "message": "My parent's helped me open up a savings account when I was just 12.  My Dad deposited $20/week to the account on my behalf, which came out of my allowance money.  As I went through HS and started working, I kept adding more. <br>This not only taught me how easy it is to save, but also that it is an essential part of a person's financial plan.  Saving shouldn't be an afterthought.<br>My parent's also impressed that giving - whether in the monetary sense or with your body/time - was essential as well.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_14:17:40", "killed": false, "user_key": "b7a2a2af76f432ee3fe891f42d6b5cc9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 02:17 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21302673": {"up_voted": false, "ip": "", "has_replies": false, "message": "I was taught that things I have cost money.  When I was little, I let the bike my parents bought me sit in the rain and get rusty.  They made me save for my next one, teaching me fiscal responsibility and regular responsibility.  They took me to open my own bank acccount and made me fill out my financial aid papers for college with them.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_14:24:15", "killed": false, "user_key": "a82f06182581806f7434eabc131c6fe5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 02:24 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}, "21302674": {"up_voted": false, "ip": "", "has_replies": false, "message": "My parents had a fairly turbulent life, and while they were wonderful in many things, they were only marginally skilled at handling money.  They did do a few things that turned out well, like buying investment property, and did fund their retirement accounts.<br><br>I learned far more about daily money handling \"philosophy\" from the numerous Chinese and Vietnamese immigrants that lived in our neighborhood.  They could squeeze blood from a stone, saved every penny, weren't afraid to find bargains anywhere and everywhere, and worked their tails off.  Asian friends say I'm far more \"Asian\" in my approach to money than other white Americans they know.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_14:33:01", "killed": false, "user_key": "22ae2d092b02d57ef6b4d5fc936bbceb", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 02:33 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21302675": {"up_voted": false, "ip": "", "has_replies": false, "message": "I grew up fairly poor so I learned to value money and get by without a whole lot. The ability to live on a small budget helps me keep costs down. With rent and everything else my monthly expenses are around $800-900. That's not bad considering what most of my peers are faced with. Oh, and I'm debt free. That's a big thing my Mom taught me.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_14:51:17", "killed": false, "user_key": "1340d1d238bc68b887b784eb40072c8e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 02:51 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}, "21302677": {"up_voted": false, "ip": "", "has_replies": false, "message": "While they never sat down and talked to me about money, they did teach me many important things<br>1) the difference between wants and needs<br>2) the importance of saving - I opened my first savings acct with my first communion money in second grade and saved at least half of any money I made or was given<br>3) the value of hard work - my parents didn't believe in allowances. They paid for the necessities of life (clothes, etc) and a few fun things while I was young, but as soon as I could work (10 at my dad's shop) I had use my own mony for fun things and I quickly learned to figure out the cost of things in 'hours'<br>4) how to live frugally. My father owns his own business and my parents were never poor but they never lived above their means - expensive things (like dinner out at a restaurant) always remained treats<br>5) how to cook, sew, basic home maintenance. I didn't realize how valuable this was until I started working full time - it's amazing how many of our friends and neighbors (even the elderly ones) who are forced to spend money to fix a seam or build a porch.<br><br>This was a great question!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_14:59:04", "killed": false, "user_key": "c4cc9e1e4df7f3ddfbf89a78dd100ff2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 02:59 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}, "21302678": {"up_voted": false, "ip": "", "has_replies": false, "message": "I always felt like a deprived child, because my parents didn't take us on fabulous vacations. They didn't drive fancy cars and we had jobs to get those fancy labels on our jeans.  I was always jealous of my friends whose parents were spenders.  UNTIL...  it came time for college.  My friends all worked a lot through college and took out loans. I was lucky enough that my parents had made me save my birthday/Christmas money as a child and were also able to pay most of my education expenses.<br><br>I learned a lot about priorities in spending. My nieces and nephew always get a check from me that goes straight to their 529 accounts.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_15:40:58", "killed": false, "user_key": "9b931618b1b65e0b411b3731d804827d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 03:40 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}, "21302679": {"up_voted": false, "ip": "", "has_replies": false, "message": "eventho my mother weas/is good at frittering away $ regularly on 'sales' and 'good deals' etc, my parents saved really well. we lived like lower middle class i guess (never went anywhere far, nor on any real vacations, had inexpensive cars, only moved once in my childhood, etc) and that surely helped. i know they paid cash for things like vehicles and paid off the house as soon as they could. unfortunately, they didn't discuss the ins and outs of $ much at all, apart from complaining about what things costs and that 'we don't have $ for that\"....etc etc. they never told us what their income was (only dad worked) and what things cost, like the mortgage, electricity. so there was still a lot of mystery about the whole thing. also, they always had their own ideas on how to do things and wouldn't take advice from anyone. i didn't understand how other family members lived so much better and how my parents were really set in their ways and ideas and closed to most other things.<br><br>i think positively, it affected me in that my part time 3 to 4 hr a week minimum wage job in high school enabled me to escape (all was not good on the home front; abuse). i saved most of my income and temped the summer after i turned 18 and managed to save $500 total which i used that september to move far, far away to san francisco by the seat of my pants (yes, it was a success). but you know what? most of this savings acheivement was simply from being unbelievably mostivated to exit that house and never look back. feelings i intensely had since extremely young.<br><br>negatively, i feel their own unrealisticness (which is not all explained here...) and not sharing of what actually was real (concrete figures of living costs for instance! how rationed out, percentages of what went to where etc) both made me a bit unrealistic i found in being able to get the things and security i still am trying to achieve, over a decade later. or feeling like i could. it's been elusive.<br>also, not having a degree i think has hampered me terribly in my earnings over the years. i have loads of experience and clear talents, but i find a double standard out there when i am trying to get better (or even sideways) positions. my parents never thought a degree was that important (neither had more than trade school) and they would not have helped anyway (not that i don't understand part of why, but not possible to type the whole story here). i have been in survival mode most of my adult life. yes, i do have an emergency fund these days and am grateful to be able to support myself.<br><br>one more thing, since the clothing budget was basically unrealistic (ex: in high school nearly impossible for me to get items in mother's price range, even on sale. my cousin's hand me downs were heaven sent when i was young, clothes i never would have had otherwise) i have strong urges to buy clothing i like and i feel i spend too much on clothes and accessories, impulsively i think. it's gotten harder to control since i got out of debt a few years ago. i am not sure if this is from the childhood environment or would have been my thing anyway....? but i can't help but think of that history.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_16:21:03", "killed": false, "user_key": "99df61cac0a3c7f294d18a84fce7e288", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 04:21 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}, "21302680": {"up_voted": false, "ip": "", "has_replies": false, "message": "Just want to say all the posts on this question have been extraordinarily insightful and fascinating to read. <br><br>By way of prologue to my earlier post, I described my childhood memories of money-related issues, but didn't have time to finish. As to the question of how has it factored into my life now, that is an interesting question to explore. <br><br>As a young adult from college thru late 20's, I got into a lot of typical credit card problems - too much consumption, too much keeping up with peers, too little income, too little understanding of how to handle my money. The upside was that I was willing to work hard - actually extremely hard - to earn money. I was ambitious, but took a few detours along the way (long story). I think part of what was driving all this were the lessons of childhood - that living hand to mouth is normal, that spending on expensive clothes, toys, etc. was just reward for hard work, and that CC debt was good because it allowed you to have things you wouldn't otherwise have. Basically, I was going nowhere fast when it came to money. The more I made, the faster I spent it. <br><br>Then it all kinda crashed and burned. An unexpected bout of unemployment taught me that having some emergency savings might not be a bad idea and showed me that CC companies can get downright nasty if they don't get paid. That at least provided a bit of a wake-up call. <br><br>And then I met my soon to be wife. Someone who had grown up under entirely different circumstances. Someone from a traditional, middle class, family, with a Dad who worked at a big corporation and a banker for a mom. She found my spending habits to be somewhat appalling and undertook a financial triage on my finances - and I was happy to let her do so. Sure, occaissionally, I'd throw a tantrum when I was informed there was something I could not have, but firm in her resolve to reform me, she was.<br><br>And her parents were such an wonderful example - people who could well afford certain things but simply did not see the need to keep up with the Jones. People who paid cash for big-ticket items like cars and even a condo. People who would go so far as to purchase a car without airconditioning just to save a few hundred bucks (okay this was going too far). This was a concept it took me a very long time to understand. To me, they were like aliens from outer space.<br><br>In time, my wife and I became a coordinated team. I'm very good at making the money. She's very good at saving the money.<br><br>While I didn't learn the things I needed to from childhood, I at least had the good sense to find somebody I could learn from. So, yes, things have turned out pretty good.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_18:43:10", "killed": false, "user_key": "69e9d8b7ca07257e3e171758a5bb3805", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 06:43 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}, "21302681": {"up_voted": false, "ip": "", "has_replies": false, "message": "My parents locked me in a room, turned out the lights, and screamed for hours and hours about zero-percent balance transfers, home equity loans, while slashing my skin with the sharpened edges of their credit cards...<br>And thus, No Credit Needed was born, in the darkness, in the middle of the horrible screams, and through the pain of the plastic, cutting my flesh...<br><br><br>Just kidding...<br><br>My parents always gave us enough.  We were blessed, but, like most families, we used credit too much, and too often.  So, I had to learn, the hard way, about the dangers of debt.<br><br>Great, great question!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_19:00:58", "killed": false, "user_key": "2250a0a3c113bde99c1bca24210d3cc0", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 07:00 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}, "21302682": {"up_voted": false, "ip": "", "has_replies": false, "message": "My parents taught mostly by giving us boundaries.  I never got a Nintendo, and didn't get many luxuries.  Now that they have more money they've loosened up a bit, but it's too late - I'm just a simple guy that doesn't even like most luxuries :)<br><br>Give me good simple food, a t-shirt, jeans, and a dog and I'm happy.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_20:55:06", "killed": false, "user_key": "8aade97feb2697003e85ef110758509b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 08:55 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}, "21302683": {"up_voted": false, "ip": "", "has_replies": false, "message": "Like many of the previous posters, I don't recall my parents ever having a conversation with me about money and financial management. As one of five kids, learning was more \"trial by fire\".  Having grown up in an era before credit cards, McDonalds and technology, perhaps it was easier then to resist temptations.  I do, however, recall a few key events that helped shape my current thinking toward money:<br><br>- For several years during grade school, my family qualified for free lunches (there is/was such a thing!). I distinctly remember feeling \"poor\", and not wanting to feel that way.<br><br>- We were given chores (e.g., cleaning, dishes, food prep) from an early age (7 or so), but no allowance. I think this helped me develop discipline.  <br><br>- Growing up in a large and highly-competitive household, I learned that it was better to be in a position of \"having\" vs. \"not having\". Easy way for me to one-up my siblings. <br><br>- We were free to spend our lunch money however we chose (frequent alternate purchases included candy, ice cream and lip gloss), thus learning the all-important lesson of choice.<br><br>- When my 2-week old Christmas bike got stolen, my parents did not replace it.<br><br>- After I had saved up $100 of babysitting earnings, my parents matched it so I could fly across the country to visit relatives. This was a BIG DEAL because we didn't take family vacations.<br><br>Interestingly, even though we all grew up in the same household with the same parents and same life lessons, my siblings all have vastly different ways of dealing with their money. I still don't quite get that!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_22:16:07", "killed": false, "user_key": "61165c6befb77173f562a06a1a3df35e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 10:16 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}, "21302684": {"up_voted": false, "ip": "", "has_replies": false, "message": "I learned by watching my Dad's neuroses with regards to money. He never spent money on anything or anyone, to an extreme. He put money in front of people. But beyond that, I have always had a knack for financial numbers (since high school) and it just comes naturally to me. I had some hard lessons to learn but did so pretty early.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_23:22:47", "killed": false, "user_key": "1215a83b282f1e837ac45af4e212a237", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 11:22 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}, "21302685": {"up_voted": false, "ip": "", "has_replies": false, "message": "my mom once made walk half a mile back to the store coz i had dropped a penny when I was 10. it wasn't that we needed the money, but i never lost any money ever again!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-22_05:09:15", "killed": false, "user_key": "ce8cc5dcbd7da29bafdaec19b6d30894", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/22/2006 05:09 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}, "21302686": {"up_voted": false, "ip": "", "has_replies": false, "message": "I was the youngest of 4 boys. My father was a pastor of a small church in Idaho. My mother never bought any clothes new. We always shopped at the Salvation Army or Goodwill. Today I am writing this email wearing a pair of name brand pants I paid $1.00 for at a Senior's 2nd hand clothing center. I never pass a \"Second Hand store\" This is 65 years later!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-22_05:20:09", "killed": false, "user_key": "6e75b9e3cf9ecda482ad0b24cdd1fbf7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/22/2006 05:20 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21302687": {"up_voted": false, "ip": "", "has_replies": false, "message": "I think it goes back to my grandparents.  They were both from upper-middle class families and were pretty well-to-do.  My grandfather was born in 1900 and died before I got a chance to know him, but from what I can tell, he was a traditionalist.  Men made and handled the money, and women didn't.  My grandmother was born in 1914 and was in her teens and 20's during the great depression, so she had the frugality that came with that, but she also was  a traditionalist in the sense that she considered talking about money to be \"lower-class\" and also thought that money was more the domain of the man.  For both of them, money was something that was simply not discussed with children.<br><br>So my grandparents had a good financial background, were good at saving, made wise investments, and had more than enough to carry them comfortably through their retirement and still have something left to pass on.  The problem was, they had 5 daughters and taught them NOTHING about money.  My mom and aunts are all broke all the time, or claim to be.  They all constantly worry about money.  One married well (from a financial standpoint) but still worries about money because of her sisters.  Two others have stable jobs that will provide a little for them in their retirement, but no savings.  The other two have no savings at all and no way to retire, although they're at retirement age.<br><br>My mom's one of the last two.  When I was growing up, she was constantly worried about money, felt that it controlled her, was always stressed.  Today, she's making 68K a year and feels the same way, and still has almost nothing saved for retirement.  She'll save a few thousand dollars, then find something so important that she has to have or do with that money that she'll blow it.  She simply cannot live more than a few steps above zero, and she loves expensive things.  If she gets ahead, she feels strange and finds a way to go back to a level of comforting stress.  And guess what?  I turned out the same way.  Ten years since I first figured out that saving would be a good thing, I still can't make myself do it.  Unlike her, I was able to get out of debt for a few years, but then I went back to school--a private school, of course, because it would have been financially prudent NOT to go to a private school--and now I'm deep in debt for my education.<br><br>There's light at the end of the tunnel--I've learned the value of saving and proper investing and I think once I'm out of school I'll have a knack for making money. I just have to focus on controlling my spending, learning delayed gratification, forcing myself to save first and spend later, and the other basics.  I can recognize my bad behavior when it happens (something my mom and aunts haven't learned) and I'm financially literate.  I just need to join (or start) a Spender's Anonymous group.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-22_08:58:58", "killed": false, "user_key": "25e984609d82e0d09fb4c7b6077db7a6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/22/2006 08:58 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}, "21302688": {"up_voted": false, "ip": "", "has_replies": false, "message": "So it turns out that if you put hyphens on either side of a phrase, you get a strikeout, -like this-.  oops!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-22_09:00:14", "killed": false, "user_key": "25e984609d82e0d09fb4c7b6077db7a6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/22/2006 09:00 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}, "21302689": {"up_voted": false, "ip": "", "has_replies": false, "message": "Nothing. They fought like cats and dogs over money and to this day have never saved a dime. What little I know I've learned from books and advice from trusted friends.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-22_11:31:46", "killed": false, "user_key": "beb5a1d381d9e7f9a99a9fe95c5490be", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/22/2006 11:31 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}, "21302690": {"up_voted": false, "ip": "", "has_replies": false, "message": "I learned how to forge checks, pay bills, work hard and not how to watch my spending or budget.  Just kidding, I only mostly forged them, I usually left the dates blank.  <br><br>I actually learned that debt and paying interest to other people is horrible and that I don't ever want to do that: from BroDucky.  <br><br>From PadresDuckies, I have this curious blind spot of not having learned anything BAD in particular.  Helping them financially now just reinforces the lessons I learned while BroDucky scorched-earth campaigned his way into every sort of debt possible, except educational.  Figures.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-22_11:48:01", "killed": false, "user_key": "0d9eb81c20dc92e98574daf136c2a3ac", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/22/2006 11:48 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}, "21302691": {"up_voted": false, "ip": "", "has_replies": false, "message": "My parents really didn't provide any sort of education, but indirectly they taught me that it was okay to buy anything you wanted with no thought to the actual consequences of such rash purchases.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-22_13:08:18", "killed": false, "user_key": "7f6b1bbe2d0b278f701c3f785925a6c2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/22/2006 01:08 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21302692": {"up_voted": false, "ip": "", "has_replies": false, "message": "The 2 people that really sat me down was my grandma and my dad.  <br><br>My grandma taught me to never turn down money.  This was taught to me after my grandpa had already paid me for mowing their yard and she tried to sweeten my reward.<br><br>My dad owns his own farm and I was an employee.  He made me save/invest 50% of my earnings that were paid out before I went back to school in the fall and 50% would be my spending money the rest of the school year.  At the time I was in junior high and high school so my monetary demands were not significant.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-22_13:49:51", "killed": false, "user_key": "c4afba4f25ea524ff896664f3eb482b5", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/22/2006 01:49 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}, "21302693": {"up_voted": false, "ip": "", "has_replies": false, "message": "My mom and dad taught me that saving money was important by opening up a savings account for me. I remember that I got it up to $35.00 once. After that, I don't know what happened to it... probably it was liquidated and put into something else. <br><br>I remember that I would go to the bank and make deposits semi-regularly ... these were small deposits, but me and my dad would go to the bank teller and put the money I saved into the account.<br><br>Today, I still value money and am not wasteful in spending it. I'll think twice about making a purchase and not be frivoulous with the spending. I attribute this behaviour to the earlier lessons learned by my parents. <br><br>Thanks Mom &amp; Dad!!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-22_17:37:02", "killed": false, "user_key": "61927fd2b8b4aa876c946234ea085c3a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/22/2006 05:37 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}, "21302694": {"up_voted": false, "ip": "", "has_replies": false, "message": "When my Dad lost his job as a truck driver (during the trucking deregulation of the 1980's), I didn't learn so much a lesson about personal money management, but I did learn that I never, ever, ever wanted to be poor again.  It was hard not having anything, and I doubt I'll ever forget.  I haven't been without a job for more than a month since I was sixteen, so parts of that lesson are still sticking.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-22_23:25:13", "killed": false, "user_key": "3048a54664cd8c8001fc6d3cf2720021", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/22/2006 11:25 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}, "21302695": {"up_voted": false, "ip": "", "has_replies": false, "message": "From my parents I learned:<br><br>Mother: One saves and doesn't spend on unnnecesary items. Most things classify as unnecesary, even food (I was anorexic for 30 years). Money saved will help some family member purchase home or start a business.<br><br>father: Money is the crime of a capitalist state and one needs it only if it will be applied for a higher end, such as helping children in need.<br><br>Today I get major guilt trips if I purchase anything personal, a problem I avoid with internet shopping and credit card. And since I don't intend on saving the world or saving money for someone else (am single no kids), will get many guilt trips on Amazon.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-24_13:31:23", "killed": false, "user_key": "acab101ec0cf285bf8795ce20053ae9d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/24/2006 01:31 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}, "21302696": {"up_voted": false, "ip": "", "has_replies": false, "message": "1)  Spend less than you earn.<br>2)  Componding works wonders.<br>3)  Pay your credit card balance in full each month.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-09-04_02:08:58", "killed": false, "user_key": "c36abb71bf64c59f5faa58f08728fdae", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/04/2006 02:08 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}, "21302697": {"up_voted": false, "ip": "", "has_replies": false, "message": "I was taught no matter how much money you have several things come first Savings, Church, Charity nothing else matters but those three items. My mom was very dedicated to teaching us these three items she also was dedicated to teaching us to get more for our money, to buy items that you know will last, find the cheapest but the best products out there, to give, give, give never ask to recieve you will recieve when the time is right for you to recieve whatever it is your getting. Giving was also number one on her list.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-09-10_05:06:41", "killed": false, "user_key": "f27d943e3040b3232b40a7175a75daff", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/10/2006 05:06 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}, "21302698": {"up_voted": false, "ip": "", "has_replies": false, "message": "I was born in a third world country in a lower middle class family (poor by any reasonabe western definition). I wore hand downs, read from hand down books, didn't have any allowance in my childhood, we didn't own a TV or any furniture till I was in high school etc.<br><br>My parents never made me feel poor though (thanks Mom, Dad!) and it was only when I was in my late teens that I figured out we were poor.<br><br>My education came indirectly though:<br><br>-Dad told me one day that if I didn't make it on my own, he can't help me with a penny.<br><br>-I saw my parents walk for a couple of miles with their grocery shopping in blazing sun so they could buy it cheap and save on cab money.<br><br>-Yet they saved enough to buy a house and make a good retirement.<br><br>Today my wife and I make more than enough to afford anything we can dream of an then spare some, but we save about 2/3rd of our income, invest like hell and spend on nothing which is not necessary.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-09-12_17:17:18", "killed": false, "user_key": "fc9d92c503e9d51b85165f9a39f18777", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/12/2006 05:17 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21302699": {"up_voted": false, "ip": "", "has_replies": false, "message": "Buy good stuff. Take care of it and get every once of usage out of it (and then let it accumulate in the basament/garage/wherever). Pay your bills. Checks/Credit Cards are NOT money. Be generous, give to charity.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-09-16_20:24:58", "killed": false, "user_key": "c50396578388d1d011812aef02a9c9e4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/16/2006 08:24 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}, "21302700": {"up_voted": false, "ip": "", "has_replies": false, "message": "My mom had a subscription to Kiplinger's Finance and I would read it from cover to cover.  We'd talk about things in it, and I'd even help her pick mutual funds.  At the age of 13, I would say that I was ahead of my peers in this respect.  It lead to me investing myself in some mutual funds in high school.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-09-26_20:39:23", "killed": false, "user_key": "333f927accc715fe4b2aa6549927393a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/26/2006 08:39 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}, "21302701": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have been interested in money from a young age.  My parents had two contrasting views towards money.  My mother was the \"saver\".  Her advice was to save money, she is mostly a 401k investor.  My father is horrible with money.  Money seems to burn a hole in his pocket.  In my later teen years seeing what he has built for himself, (or lack there of...) only motivated me to learn more about personal finance.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-12-18_13:10:36", "killed": false, "user_key": "f5e6cef2748f0f7df8564ef8a27aaf86", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "12/18/2006 01:10 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}, "21302702": {"up_voted": false, "ip": "", "has_replies": false, "message": "I was taught very directly to save and ask myself if I really want to make that purchase, because it meant a sacrifice in something else that I may want down the line.<br><br>I also was included into the decision making about mutual funds because, even though I 14, I was better at math than my parents and they trusted me more with the numbers.  This lead to me to invest in my own mutual funds, putting $50 a month away.<br><br>You could say that I've been very well brought with regard to finances.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-02-28_15:37:26", "killed": false, "user_key": "333f927accc715fe4b2aa6549927393a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/28/2007 03:37 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}, "21302703": {"up_voted": false, "ip": "", "has_replies": false, "message": "I remember when I was a teen, my mother helping me set up a passbook savings account at a local S &amp; L. I developed the habit of putting a certain amount of my weekly check into it, a habit I still have today. I think the measure of financial security I have today is directly attributable to this.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-06-29_11:31:11", "killed": false, "user_key": "ec5dd878067d7b366ca542fb0400f255", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/29/2007 11:31 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}, "21302650": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am sure that I was taught a lot by example, since I seem to have a pretty good idea of what I am doing now and had a good base to build off of.  I do not specifically remember many lessons though.<br><br>My mother made us pay for things ourselves, so that we were used to handling money.  I remember buying something pointless once and she asked me why I had bothered, to which I had no good answer.  Other than that, I think I got most of my lessons through osmosis.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_07:05:15", "killed": false, "user_key": "5610a84cdbec21c07fac41881b3a0b0e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 07:05 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}, "21302651": {"up_voted": false, "ip": "", "has_replies": false, "message": "I was taught that to have more money is to save. Investing was risk prone and was taught to shy away from it. Today the advice regarding saving I still uphold but my ideas regarding investing has changed and I am happy to take risks.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_07:19:13", "killed": false, "user_key": "503ebf3f685914ff84f35e12ca8a61a7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 07:19 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}, "21302652": {"up_voted": false, "ip": "", "has_replies": false, "message": "Without going into details, I learned at a young age how to worry about money.  Worry about having it, worrying about if there will be any to live on.  At the time, because I was young, I had no control over the situation.  I believe that is a big reason I take control over the money in my marriage and probably the biggest reason I am looking to have a stable financial life since my son was born.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_07:42:52", "killed": false, "user_key": "0c603683bc0d0e0e6edf156cce5ad830", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 07:42 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}, "21302653": {"up_voted": false, "ip": "", "has_replies": false, "message": "I was taught by 2 extremes, that consistently play polar sides against eachother everyday.<br><br>1.  My mother taught me (not outright, by our life) that there is never enough.  Work is more important than family.  All may be risked to get to the professional position you need to be at.<br><br>2. My grandparents taught me, Money is not everything.  Money doesn't matter.  Give away and help all you can.  Family is the only thing that matters.  <br><br>Of course, this has left me internally in turmoil.  I am constantly worry over money and what I think we should have or how to get to that \"sweet\" spot.  The only difference from my mother is that my first mission is always to my family.  There is always money to be made.  But only one Varsity Football game on Friday.  Just like my grandparents said, \"There is always enough\".", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_08:03:30", "killed": false, "user_key": "fb265bdc00c909f3f0ece761acc3c889", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 08:03 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}, "21302654": {"up_voted": false, "ip": "", "has_replies": false, "message": "I don't recall anyone sitting me down and explaining how money/finances work but my folks set some powerful examples.  They worked hard, saved, and watched their budget closely.  My brother and I were required to handle more and more of our personal expenses as we got older -- car insurance, gas, clothes, etc. which meant I had to get a job if I wanted to have any fun.  This forced me to be disciplined with money, even though I'm a natural spendthrift.  It was a great education the prepared me for the real world.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_08:28:37", "killed": false, "user_key": "29f382c0b4a857c6a0363bdd5f79c728", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 08:28 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}, "21302655": {"up_voted": false, "ip": "", "has_replies": false, "message": "My immediate family had a huge positive influence on the way that I handle money today. For one my mother is a master bargain-hunter and hates to pay full price for anything. They buy a lot from garage sales and as a child almost all of my toys and clothes were from garage sales even though we could have afforded better ones. Now that I'm an adult I talk about finances with my family regularly, it's great to have that feedback and open communication.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-08-21_08:41:41", "killed": false, "user_key": "215fa44420161e087506e7ce25a54fca", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2006 08:41 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": "42491313", "user_id": "anonymous", "forum_id": "214864", "hash": -4142942377452465581}, "thread": {"days_alive": 0, "slug": "question_of_the_day_15", "paginate": false, "num_pages": 1, "num_posts": 52, "per_page": 0, "total_posts": 0, "realtime_paused": true, "id": 42491313, "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"};
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 */
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=question_of_the_day_15' +
		'&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/question_of_the_day_15/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='	+ 'question_of_the_day_15'
			+ '&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/question_of_the_day_15/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">52</span> Comments\
	 &nbsp;\
	 <span class="dsq-item-feed">\
	 <a href="http://consumerismcommentary.disqus.com/question_of_the_day_15/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/question_of_the_day_15/">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/question_of_the_day_15/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:42491313" 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'				: 'question_of_the_day_15',
			// 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/question_of_the_day_15/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='	+ 'question_of_the_day_15'
			+ '&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='	+ 'question_of_the_day_15'
			+ '&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='		+ 'question_of_the_day_15'
				+ '&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/42491313/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-21302650">\
	 <div id="dsq-comment-header-21302650" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302650" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302650" href="http://www.TheFirstTimeHomeOwner.com/" target="_blank" rel="nofollow">Blaine Moore (First Time Homeo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302650" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302650" class="dsq-comment-message">I am sure that I was taught a lot by example, since I seem to have a pretty good idea of what I am doing now and had a good base to build off of.  I do not specifically remember many lessons though.<br><br>My mother made us pay for things ourselves, so that we were used to handling money.  I remember buying something pointless once and she asked me why I had bothered, to which I had no good answer.  Other than that, I think I got most of my lessons through osmosis.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302651">\
	 <div id="dsq-comment-header-21302651" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302651" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302651">coelomic</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302651" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302651" class="dsq-comment-message">I was taught that to have more money is to save. Investing was risk prone and was taught to shy away from it. Today the advice regarding saving I still uphold but my ideas regarding investing has changed and I am happy to take risks.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302652">\
	 <div id="dsq-comment-header-21302652" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302652" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302652">Tricia</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302652" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302652" class="dsq-comment-message">Without going into details, I learned at a young age how to worry about money.  Worry about having it, worrying about if there will be any to live on.  At the time, because I was young, I had no control over the situation.  I believe that is a big reason I take control over the money in my marriage and probably the biggest reason I am looking to have a stable financial life since my son was born.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302653">\
	 <div id="dsq-comment-header-21302653" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302653" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302653" href="http://divorce2financialfreedom.blogspot.com/" target="_blank" rel="nofollow">D</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302653" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302653" class="dsq-comment-message">I was taught by 2 extremes, that consistently play polar sides against eachother everyday.<br><br>1.  My mother taught me (not outright, by our life) that there is never enough.  Work is more important than family.  All may be risked to get to the professional position you need to be at.<br><br>2. My grandparents taught me, Money is not everything.  Money doesn\'t matter.  Give away and help all you can.  Family is the only thing that matters.  <br><br>Of course, this has left me internally in turmoil.  I am constantly worry over money and what I think we should have or how to get to that "sweet" spot.  The only difference from my mother is that my first mission is always to my family.  There is always money to be made.  But only one Varsity Football game on Friday.  Just like my grandparents said, "There is always enough".</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302654">\
	 <div id="dsq-comment-header-21302654" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302654" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302654" href="http://www.homeschoolblogger.com/stevebraun" target="_blank" rel="nofollow">Steve</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302654" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302654" class="dsq-comment-message">I don\'t recall anyone sitting me down and explaining how money/finances work but my folks set some powerful examples.  They worked hard, saved, and watched their budget closely.  My brother and I were required to handle more and more of our personal expenses as we got older -- car insurance, gas, clothes, etc. which meant I had to get a job if I wanted to have any fun.  This forced me to be disciplined with money, even though I\'m a natural spendthrift.  It was a great education the prepared me for the real world.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302655">\
	 <div id="dsq-comment-header-21302655" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302655" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302655" href="http://thenthings.blogspot.com/" target="_blank" rel="nofollow">Laura</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302655" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302655" class="dsq-comment-message">My immediate family had a huge positive influence on the way that I handle money today. For one my mother is a master bargain-hunter and hates to pay full price for anything. They buy a lot from garage sales and as a child almost all of my toys and clothes were from garage sales even though we could have afforded better ones. Now that I\'m an adult I talk about finances with my family regularly, it\'s great to have that feedback and open communication.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302656">\
	 <div id="dsq-comment-header-21302656" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302656" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302656" href="http://www.fivecentnickel.com/" target="_blank" rel="nofollow">fivecentnickel.com</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302656" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302656" class="dsq-comment-message">I was taught very little directly, but I learned a lot by example. Probably the buggest thing was a general sense of frugality and conservative spending. One direct lesson that I remember my dad teaching me as a kid in the toy aisle was that if there was something I was just dying to buy, I should wait a week and see if I still want it. If so, buy it. If not, then (obviously) skip it and move on.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302657">\
	 <div id="dsq-comment-header-21302657" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302657" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302657" href="http://www.mdmproofing.com/iym/" target="_blank" rel="nofollow">Michael</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302657" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302657" class="dsq-comment-message">The only time my parents talked openly about money was to tell us that we didn\'t have any.<br><br>I remember nothing from my Kid-dom so vividly as the mountain of bills and receipts that decorated our kitchen table every other Saturday or Sunday, when Mom sat down to pay the bills.<br><br>Looking back, it\'s not tough to see that money was an ordeal for them. And it likely brought on many other problems.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302658">\
	 <div id="dsq-comment-header-21302658" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302658" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302658" href="http://chipping-away.blogspot.com/" target="_blank" rel="nofollow">ChippingAway</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302658" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302658" class="dsq-comment-message">Well, to be brief.  I grew up lower middle class, so being somewhat thrifty/frugal was instilled upon me at a reasonably young age.  nobody explicitly taught me how to manage my money (though I\'m starting to think that making a point to TEACH kids this sort of thing), i definately had good role models.  Seeing early on how to have fun without spending tons of money has made a huge impact in my life, as well as being taught by example that it\'s ok not to need name brands, etc...  Learning that you don\'t have to keep up with the Joneses early on, makes a huge difference later.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302659">\
	 <div id="dsq-comment-header-21302659" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302659" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302659" href="http://www.pragmaticfinance.com/" target="_blank" rel="nofollow">Jason</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302659" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302659" class="dsq-comment-message">Well, most of the teaching I received was by examples of what not to do.  Sadly, most of my family was pretty bad when it came to money.  The majority lived above their means instead of saving, kept credit card balances, didn\'t put away money for retirement etc.<br><br>My step father was probably the best influence financially to me.  Even though he(nor anyone else for that matter) never discussed finances with me, it was easy to see that he was extremely frugal and always saved and planned for the future.  I remember when I was younger and hearing about saving him wanting to put more money into cds which confused me as the only cds I knew of were the music variety :)<br><br>I do think that growing up in a middle to lower  class background is normally good for teaching people that you can\'t have everything and you have to make priorities.  But some of that goes out the window when your parents splurge on you every christmas and birthday.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302660">\
	 <div id="dsq-comment-header-21302660" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302660" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302660" href="http://udandi.blogspot.com/" target="_blank" rel="nofollow">udandi</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302660" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302660" class="dsq-comment-message">Seeing how my mom handled money and that she does not buy anything unless she can pay for it today.  she sewed our clothes, made all our meals and worked overtime to save for a family treat, like getting pizza (a big deal for us).<br><br>as kids, we earned an allowance for completed chorese and like blaine if we were to make a silly purchase, she would ask us if it was what we really wanted to do or would we rather save the money toward something else. I always saved, but my siblings thought money would burn a hole in their pockets!<br><br>by the way, flexo, I\'m glad you increased the font size on the posted comments!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302662">\
	 <div id="dsq-comment-header-21302662" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302662" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302662">Amy</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302662" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302662" class="dsq-comment-message">The biggest thing I remember from when I was little was my grandfather who used to give me money for little things like getting him a drink or having lunch with him, I think it was his way of leaving me money without putting me into his will. (I\'ll probably do this for my grandkids one day too)<br><br>A big memory I have is that my grandfather really taught me the importance of saving money.  I can remember at a young age probably about 10 or 11 years old and my grandfather gave me $100 to open up my very own savings account. One bank actually rejected me saying that kids don\'t know how to save money.  We ended up going to a bank where we knew someone to open up the account.  I still have my account to this day.  I guess a kid is able to learn the value of saving money.  <br><br>When I was little I didn\'t like spending my money, I think that had to do with realizing that my parents didn\'t have much money and that they were struggling.  So I guess they taught me not to just go out and buy what I wanted when I wanted and to be sure I really wanted it before making a purchase. <br><br>I\'m better now about spending money on things now because I know what I can afford and I know that some things are important for you do or spend money on.  I remember talking to my mom about the fact that she was upset that it wasn\'t until I was around 12 years old before we went on a real family vacation and that if she had to do it all over again she would have made sure that we did more vacations together and not being so concerned about money.<br><br>So I guess I learned a lot about money management from my family from a very young age.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302663">\
	 <div id="dsq-comment-header-21302663" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302663" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302663">Adam</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302663" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302663" class="dsq-comment-message">My parents always taught me that any kind of debt was bad - whether it was cc debt, car loan, house, etc.  They were a little old fashioned in this respect. However, financial responsibility is something that will never go out of style.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302664">\
	 <div id="dsq-comment-header-21302664" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302664" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302664">alex</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302664" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302664" class="dsq-comment-message">My parents did a pretty good job teaching me how to manage my money.  From the time I was 6 they would give me an allowance once a week.  I was responsible for buying my own food, clothes, toys, etc.  This is pretty extreme but did a good job teaching me about opportunity cost.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302665">\
	 <div id="dsq-comment-header-21302665" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302665" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302665" href="http://allfinancialmatters.com/" target="_blank" rel="nofollow">JLP at AllFinancialMatters</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302665" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302665" class="dsq-comment-message">I don\'t fault my parents, but they weren\'t the best examples of how to manage money because they didn\'t communicate.  My dad had unrealistic expectations, which led to lots of problems.<br><br>My wife and I are doing things much differently.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302666">\
	 <div id="dsq-comment-header-21302666" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302666" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302666">Miguel</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302666" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302666" class="dsq-comment-message">I grew up in a struggling single-parent household where I was acutely aware that we did not have much money, could barely afford rent, food, and clothing, and where we were constantly in crisis. When I was encouraged to save a little money from my sporadic allowance, it either got borrowed (and never repaid), or mysteriously disappeared from the piggy bank. During this time, I was extremely aware of all the material things we coveted, but could not have. My mom had no sense of saving and generally spent every penny she had (even as her income and prospects improved). The areas we lived in had folks in similar dire circumstances. One thing they did do was look out for each other. If a homeless family was left out in the soaking rain, we would take them in, give them clothes, food, share what we had. People would look out for each others kids, would loan each other emergency money, and would form a sort of safety net. Money was for sharing and spending, not keeping. To "horde" money by saving it was to be stingy.<br><br>I learned a lot of things growing up, but frugality, saving, and delayed gratification were not among them. What I did learn, was a lot of street smarts - how to navigate difficult, even dangerous situations. I also learned a lot about charity and how poor people get by and help each other. I also learned a lot about how unfair life can be and how poor people often get abused and taken advantage of. What I learned above all, was that I was willing to work extremely hard to get out of those circumstances. Being poor has no romance or nostalgia for me.<br><br>I used education, hard work, and a willingness to take some risks as my conduit to a different life. And I learned how to be an economically productive adult. In terms of money lessons, I fortunately have my wife and her family as excellent guides to help me overcome some of the money lessons of my childhood. They are a study in living below your means and have had a profound impact on how I view money and spending. This is not to say that I don\'t appreciate the many things my mom was able to teach me - just that money lessons was not one of them.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302667">\
	 <div id="dsq-comment-header-21302667" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302667" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302667" href="http://moneyandvalues.blogspot.com/" target="_blank" rel="nofollow">Penny Nickel</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302667" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302667" class="dsq-comment-message">Good question, and something I\'ve been meaning to blog about.<br><br>We never talked too much about money directly when I was a kid, but some things I picked up from my parents were:<br><br>1) If you really want something, you can find a way to afford it.  As a kid, I knew that although I couldn\'t have everything we wanted, if there were things I really wanted, the family would make it happen financially.  Things like vacations (not lavish ones, but not super-cheap, either) were important to us as a family so we took them every year. I never felt rich, and we weren\'t, but I saw money as a tool my parents always seemed able to manage to help us do what we most wanted to do.  (In retrospect, I know that some of the trade-offs included things like not saving enough for their retirement.)<br><br>2) If you really want something, you have to work to make it happen.  For example, when I was 12 and fell in love with horses, my parents told me they\'d pay for only two riding lessons a month.  Either I could be satisfied with that, or pay for the rest myself.  I worked in the stables, got a paper route, and babysat-- and I got my weekly riding lessons.<br><br>3) Spending money to impress other people is silly and wasteful.  My family was very down-to-earth on this front, not much emphasis on status symbols or conspicuous consumption, and as a result I (thankfully) have no comprehension of how people can spend so much money on things because they\'re brand names or trendy.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302668">\
	 <div id="dsq-comment-header-21302668" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302668" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302668" href="http://tiredbuthappy.blogspot.com/" target="_blank" rel="nofollow">claire</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302668" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302668" class="dsq-comment-message">My mother\'s attitude toward money:<br>"Let go and let God", i.e., trust that everything will work out and it will. <br><br>My father\'s attitude:<br>"I work very hard, and I deserve to enjoy myself with the money I earn."<br><br>My older sister\'s attitude:<br>"Live below your means, start saving early, and don\'t increase your spending just because your earnings have increased."<br><br>My parents have been valuable examples of what NOT to do. My sister has been an example of what TO do. I am thankful to all three of them for the lessons I\'ve learned.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302669">\
	 <div id="dsq-comment-header-21302669" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302669" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302669">Terry</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302669" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302669" class="dsq-comment-message">I do not remember money lessons - nothing about allowances, big family purchases, saving, giving, spending, debt, mortgages.  We were proably in the mid to lower middle class.  And now I am a really good money manager.  It\'s sTrAnGe now when I think about it.  Must have been one of those osmosis things.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302670">\
	 <div id="dsq-comment-header-21302670" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302670" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302670" href="http://financialfreedumb.com/" target="_blank" rel="nofollow">Financial Freedumb</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302670" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302670" class="dsq-comment-message">My mom used to deposit money into my savings every week.  A "bank man" would come by and take deposits.  She didn\'t tell me much, but just watching and eventually figuring out what was going on, I think, triggered my saving habit subconsciously.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302671">\
	 <div id="dsq-comment-header-21302671" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302671" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302671">Arif K</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302671" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302671" class="dsq-comment-message">People first, then money, then things .....<br><br>Money is important but it is not worth sacrificing relationships. Live life to the fullest (that means enjoy life while saving for the rainy day), that requires change of attitude and one\'s outlook towards life.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302672">\
	 <div id="dsq-comment-header-21302672" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302672" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302672" href="http://youngandbroke.typepad.com/" target="_blank" rel="nofollow">Amanda</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302672" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302672" class="dsq-comment-message">My parent\'s helped me open up a savings account when I was just 12.  My Dad deposited $20/week to the account on my behalf, which came out of my allowance money.  As I went through HS and started working, I kept adding more. <br>This not only taught me how easy it is to save, but also that it is an essential part of a person\'s financial plan.  Saving shouldn\'t be an afterthought.<br>My parent\'s also impressed that giving - whether in the monetary sense or with your body/time - was essential as well.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302673">\
	 <div id="dsq-comment-header-21302673" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302673" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302673">Megan</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302673" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302673" class="dsq-comment-message">I was taught that things I have cost money.  When I was little, I let the bike my parents bought me sit in the rain and get rusty.  They made me save for my next one, teaching me fiscal responsibility and regular responsibility.  They took me to open my own bank acccount and made me fill out my financial aid papers for college with them.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302674">\
	 <div id="dsq-comment-header-21302674" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302674" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302674" href="http://foobarista.blogspot.com/" target="_blank" rel="nofollow">Foobarista</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302674" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302674" class="dsq-comment-message">My parents had a fairly turbulent life, and while they were wonderful in many things, they were only marginally skilled at handling money.  They did do a few things that turned out well, like buying investment property, and did fund their retirement accounts.<br><br>I learned far more about daily money handling "philosophy" from the numerous Chinese and Vietnamese immigrants that lived in our neighborhood.  They could squeeze blood from a stone, saved every penny, weren\'t afraid to find bargains anywhere and everywhere, and worked their tails off.  Asian friends say I\'m far more "Asian" in my approach to money than other white Americans they know.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302675">\
	 <div id="dsq-comment-header-21302675" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302675" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302675" href="http://www.mymoneyforest.com/" target="_blank" rel="nofollow">Tim</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302675" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302675" class="dsq-comment-message">I grew up fairly poor so I learned to value money and get by without a whole lot. The ability to live on a small budget helps me keep costs down. With rent and everything else my monthly expenses are around $800-900. That\'s not bad considering what most of my peers are faced with. Oh, and I\'m debt free. That\'s a big thing my Mom taught me.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302677">\
	 <div id="dsq-comment-header-21302677" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302677" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302677" href="http://www.edenz713.blogspot.com/" target="_blank" rel="nofollow">edenz</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302677" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302677" class="dsq-comment-message">While they never sat down and talked to me about money, they did teach me many important things<br>1) the difference between wants and needs<br>2) the importance of saving - I opened my first savings acct with my first communion money in second grade and saved at least half of any money I made or was given<br>3) the value of hard work - my parents didn\'t believe in allowances. They paid for the necessities of life (clothes, etc) and a few fun things while I was young, but as soon as I could work (10 at my dad\'s shop) I had use my own mony for fun things and I quickly learned to figure out the cost of things in \'hours\'<br>4) how to live frugally. My father owns his own business and my parents were never poor but they never lived above their means - expensive things (like dinner out at a restaurant) always remained treats<br>5) how to cook, sew, basic home maintenance. I didn\'t realize how valuable this was until I started working full time - it\'s amazing how many of our friends and neighbors (even the elderly ones) who are forced to spend money to fix a seam or build a porch.<br><br>This was a great question!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302678">\
	 <div id="dsq-comment-header-21302678" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302678" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302678" href="http://janemsays.blogspot.com/" target="_blank" rel="nofollow">Jane</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302678" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302678" class="dsq-comment-message">I always felt like a deprived child, because my parents didn\'t take us on fabulous vacations. They didn\'t drive fancy cars and we had jobs to get those fancy labels on our jeans.  I was always jealous of my friends whose parents were spenders.  UNTIL...  it came time for college.  My friends all worked a lot through college and took out loans. I was lucky enough that my parents had made me save my birthday/Christmas money as a child and were also able to pay most of my education expenses.<br><br>I learned a lot about priorities in spending. My nieces and nephew always get a check from me that goes straight to their 529 accounts.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302679">\
	 <div id="dsq-comment-header-21302679" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302679" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302679">b.</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302679" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302679" class="dsq-comment-message">eventho my mother weas/is good at frittering away $ regularly on \'sales\' and \'good deals\' etc, my parents saved really well. we lived like lower middle class i guess (never went anywhere far, nor on any real vacations, had inexpensive cars, only moved once in my childhood, etc) and that surely helped. i know they paid cash for things like vehicles and paid off the house as soon as they could. unfortunately, they didn\'t discuss the ins and outs of $ much at all, apart from complaining about what things costs and that \'we don\'t have $ for that"....etc etc. they never told us what their income was (only dad worked) and what things cost, like the mortgage, electricity. so there was still a lot of mystery about the whole thing. also, they always had their own ideas on how to do things and wouldn\'t take advice from anyone. i didn\'t understand how other family members lived so much better and how my parents were really set in their ways and ideas and closed to most other things.<br><br>i think positively, it affected me in that my part time 3 to 4 hr a week minimum wage job in high school enabled me to escape (all was not good on the home front; abuse). i saved most of my income and temped the summer after i turned 18 and managed to save $500 total which i used that september to move far, far away to san francisco by the seat of my pants (yes, it was a success). but you know what? most of this savings acheivement was simply from being unbelievably mostivated to exit that house and never look back. feelings i intensely had since extremely young.<br><br>negatively, i feel their own unrealisticness (which is not all explained here...) and not sharing of what actually was real (concrete figures of living costs for instance! how rationed out, percentages of what went to where etc) both made me a bit unrealistic i found in being able to get the things and security i still am trying to achieve, over a decade later. or feeling like i could. it\'s been elusive.<br>also, not having a degree i think has hampered me terribly in my earnings over the years. i have loads of experience and clear talents, but i find a double standard out there when i am trying to get better (or even sideways) positions. my parents never thought a degree was that important (neither had more than trade school) and they would not have helped anyway (not that i don\'t understand part of why, but not possible to type the whole story here). i have been in survival mode most of my adult life. yes, i do have an emergency fund these days and am grateful to be able to support myself.<br><br>one more thing, since the clothing budget was basically unrealistic (ex: in high school nearly impossible for me to get items in mother\'s price range, even on sale. my cousin\'s hand me downs were heaven sent when i was young, clothes i never would have had otherwise) i have strong urges to buy clothing i like and i feel i spend too much on clothes and accessories, impulsively i think. it\'s gotten harder to control since i got out of debt a few years ago. i am not sure if this is from the childhood environment or would have been my thing anyway....? but i can\'t help but think of that history.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302680">\
	 <div id="dsq-comment-header-21302680" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302680" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302680">Miguel</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302680" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302680" class="dsq-comment-message">Just want to say all the posts on this question have been extraordinarily insightful and fascinating to read. <br><br>By way of prologue to my earlier post, I described my childhood memories of money-related issues, but didn\'t have time to finish. As to the question of how has it factored into my life now, that is an interesting question to explore. <br><br>As a young adult from college thru late 20\'s, I got into a lot of typical credit card problems - too much consumption, too much keeping up with peers, too little income, too little understanding of how to handle my money. The upside was that I was willing to work hard - actually extremely hard - to earn money. I was ambitious, but took a few detours along the way (long story). I think part of what was driving all this were the lessons of childhood - that living hand to mouth is normal, that spending on expensive clothes, toys, etc. was just reward for hard work, and that CC debt was good because it allowed you to have things you wouldn\'t otherwise have. Basically, I was going nowhere fast when it came to money. The more I made, the faster I spent it. <br><br>Then it all kinda crashed and burned. An unexpected bout of unemployment taught me that having some emergency savings might not be a bad idea and showed me that CC companies can get downright nasty if they don\'t get paid. That at least provided a bit of a wake-up call. <br><br>And then I met my soon to be wife. Someone who had grown up under entirely different circumstances. Someone from a traditional, middle class, family, with a Dad who worked at a big corporation and a banker for a mom. She found my spending habits to be somewhat appalling and undertook a financial triage on my finances - and I was happy to let her do so. Sure, occaissionally, I\'d throw a tantrum when I was informed there was something I could not have, but firm in her resolve to reform me, she was.<br><br>And her parents were such an wonderful example - people who could well afford certain things but simply did not see the need to keep up with the Jones. People who paid cash for big-ticket items like cars and even a condo. People who would go so far as to purchase a car without airconditioning just to save a few hundred bucks (okay this was going too far). This was a concept it took me a very long time to understand. To me, they were like aliens from outer space.<br><br>In time, my wife and I became a coordinated team. I\'m very good at making the money. She\'s very good at saving the money.<br><br>While I didn\'t learn the things I needed to from childhood, I at least had the good sense to find somebody I could learn from. So, yes, things have turned out pretty good.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302681">\
	 <div id="dsq-comment-header-21302681" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302681" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302681" href="http://ncnblog.com/" target="_blank" rel="nofollow">NCN</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302681" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302681" class="dsq-comment-message">My parents locked me in a room, turned out the lights, and screamed for hours and hours about zero-percent balance transfers, home equity loans, while slashing my skin with the sharpened edges of their credit cards...<br>And thus, No Credit Needed was born, in the darkness, in the middle of the horrible screams, and through the pain of the plastic, cutting my flesh...<br><br><br>Just kidding...<br><br>My parents always gave us enough.  We were blessed, but, like most families, we used credit too much, and too often.  So, I had to learn, the hard way, about the dangers of debt.<br><br>Great, great question!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302682">\
	 <div id="dsq-comment-header-21302682" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302682" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302682" href="http://www.mymoneyblog.com/" target="_blank" rel="nofollow">Jonathan</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302682" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302682" class="dsq-comment-message">My parents taught mostly by giving us boundaries.  I never got a Nintendo, and didn\'t get many luxuries.  Now that they have more money they\'ve loosened up a bit, but it\'s too late - I\'m just a simple guy that doesn\'t even like most luxuries :)<br><br>Give me good simple food, a t-shirt, jeans, and a dog and I\'m happy.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302683">\
	 <div id="dsq-comment-header-21302683" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302683" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302683">Cindy</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302683" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302683" class="dsq-comment-message">Like many of the previous posters, I don\'t recall my parents ever having a conversation with me about money and financial management. As one of five kids, learning was more "trial by fire".  Having grown up in an era before credit cards, McDonalds and technology, perhaps it was easier then to resist temptations.  I do, however, recall a few key events that helped shape my current thinking toward money:<br><br>- For several years during grade school, my family qualified for free lunches (there is/was such a thing!). I distinctly remember feeling "poor", and not wanting to feel that way.<br><br>- We were given chores (e.g., cleaning, dishes, food prep) from an early age (7 or so), but no allowance. I think this helped me develop discipline.  <br><br>- Growing up in a large and highly-competitive household, I learned that it was better to be in a position of "having" vs. "not having". Easy way for me to one-up my siblings. <br><br>- We were free to spend our lunch money however we chose (frequent alternate purchases included candy, ice cream and lip gloss), thus learning the all-important lesson of choice.<br><br>- When my 2-week old Christmas bike got stolen, my parents did not replace it.<br><br>- After I had saved up $100 of babysitting earnings, my parents matched it so I could fly across the country to visit relatives. This was a BIG DEAL because we didn\'t take family vacations.<br><br>Interestingly, even though we all grew up in the same household with the same parents and same life lessons, my siblings all have vastly different ways of dealing with their money. I still don\'t quite get that!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302684">\
	 <div id="dsq-comment-header-21302684" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302684" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302684" href="http://www.financialfitness.blogspot.com/" target="_blank" rel="nofollow">finance girl</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302684" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302684" class="dsq-comment-message">I learned by watching my Dad\'s neuroses with regards to money. He never spent money on anything or anyone, to an extreme. He put money in front of people. But beyond that, I have always had a knack for financial numbers (since high school) and it just comes naturally to me. I had some hard lessons to learn but did so pretty early.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302685">\
	 <div id="dsq-comment-header-21302685" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302685" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302685" href="http://moneyshaker.blogspot.com/" target="_blank" rel="nofollow">empty spaces</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302685" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302685" class="dsq-comment-message">my mom once made walk half a mile back to the store coz i had dropped a penny when I was 10. it wasn\'t that we needed the money, but i never lost any money ever again!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302686">\
	 <div id="dsq-comment-header-21302686" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302686" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302686">Paul Finkbeiner</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302686" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302686" class="dsq-comment-message">I was the youngest of 4 boys. My father was a pastor of a small church in Idaho. My mother never bought any clothes new. We always shopped at the Salvation Army or Goodwill. Today I am writing this email wearing a pair of name brand pants I paid $1.00 for at a Senior\'s 2nd hand clothing center. I never pass a "Second Hand store" This is 65 years later!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302687">\
	 <div id="dsq-comment-header-21302687" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302687" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302687" href="http://www.textbookrevolution.org/" target="_blank" rel="nofollow">Jason</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302687" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302687" class="dsq-comment-message">I think it goes back to my grandparents.  They were both from upper-middle class families and were pretty well-to-do.  My grandfather was born in 1900 and died before I got a chance to know him, but from what I can tell, he was a traditionalist.  Men made and handled the money, and women didn\'t.  My grandmother was born in 1914 and was in her teens and 20\'s during the great depression, so she had the frugality that came with that, but she also was  a traditionalist in the sense that she considered talking about money to be "lower-class" and also thought that money was more the domain of the man.  For both of them, money was something that was simply not discussed with children.<br><br>So my grandparents had a good financial background, were good at saving, made wise investments, and had more than enough to carry them comfortably through their retirement and still have something left to pass on.  The problem was, they had 5 daughters and taught them NOTHING about money.  My mom and aunts are all broke all the time, or claim to be.  They all constantly worry about money.  One married well (from a financial standpoint) but still worries about money because of her sisters.  Two others have stable jobs that will provide a little for them in their retirement, but no savings.  The other two have no savings at all and no way to retire, although they\'re at retirement age.<br><br>My mom\'s one of the last two.  When I was growing up, she was constantly worried about money, felt that it controlled her, was always stressed.  Today, she\'s making 68K a year and feels the same way, and still has almost nothing saved for retirement.  She\'ll save a few thousand dollars, then find something so important that she has to have or do with that money that she\'ll blow it.  She simply cannot live more than a few steps above zero, and she loves expensive things.  If she gets ahead, she feels strange and finds a way to go back to a level of comforting stress.  And guess what?  I turned out the same way.  Ten years since I first figured out that saving would be a good thing, I still can\'t make myself do it.  Unlike her, I was able to get out of debt for a few years, but then I went back to school--a private school, of course, because it would have been financially prudent NOT to go to a private school--and now I\'m deep in debt for my education.<br><br>There\'s light at the end of the tunnel--I\'ve learned the value of saving and proper investing and I think once I\'m out of school I\'ll have a knack for making money. I just have to focus on controlling my spending, learning delayed gratification, forcing myself to save first and spend later, and the other basics.  I can recognize my bad behavior when it happens (something my mom and aunts haven\'t learned) and I\'m financially literate.  I just need to join (or start) a Spender\'s Anonymous group.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302688">\
	 <div id="dsq-comment-header-21302688" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302688" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302688" href="http://www.textbookrevolution.org/" target="_blank" rel="nofollow">Jason</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302688" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302688" class="dsq-comment-message">So it turns out that if you put hyphens on either side of a phrase, you get a strikeout, -like this-.  oops!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302689">\
	 <div id="dsq-comment-header-21302689" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302689" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302689" href="http://great-face.blogspot.com/" target="_blank" rel="nofollow">fahren</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302689" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302689" class="dsq-comment-message">Nothing. They fought like cats and dogs over money and to this day have never saved a dime. What little I know I\'ve learned from books and advice from trusted friends.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302690">\
	 <div id="dsq-comment-header-21302690" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302690" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302690" href="http://www.msminiducky.blogspot.com/" target="_blank" rel="nofollow">MsMiniducky</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302690" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302690" class="dsq-comment-message">I learned how to forge checks, pay bills, work hard and not how to watch my spending or budget.  Just kidding, I only mostly forged them, I usually left the dates blank.  <br><br>I actually learned that debt and paying interest to other people is horrible and that I don\'t ever want to do that: from BroDucky.  <br><br>From PadresDuckies, I have this curious blind spot of not having learned anything BAD in particular.  Helping them financially now just reinforces the lessons I learned while BroDucky scorched-earth campaigned his way into every sort of debt possible, except educational.  Figures.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302691">\
	 <div id="dsq-comment-header-21302691" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302691" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302691" href="http://wereindebt.com/" target="_blank" rel="nofollow">King of Debt</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302691" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302691" class="dsq-comment-message">My parents really didn\'t provide any sort of education, but indirectly they taught me that it was okay to buy anything you wanted with no thought to the actual consequences of such rash purchases.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302692">\
	 <div id="dsq-comment-header-21302692" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302692" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302692">Kevin</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302692" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302692" class="dsq-comment-message">The 2 people that really sat me down was my grandma and my dad.  <br><br>My grandma taught me to never turn down money.  This was taught to me after my grandpa had already paid me for mowing their yard and she tried to sweeten my reward.<br><br>My dad owns his own farm and I was an employee.  He made me save/invest 50% of my earnings that were paid out before I went back to school in the fall and 50% would be my spending money the rest of the school year.  At the time I was in junior high and high school so my monetary demands were not significant.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302693">\
	 <div id="dsq-comment-header-21302693" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302693" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302693">John</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302693" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302693" class="dsq-comment-message">My mom and dad taught me that saving money was important by opening up a savings account for me. I remember that I got it up to $35.00 once. After that, I don\'t know what happened to it... probably it was liquidated and put into something else. <br><br>I remember that I would go to the bank and make deposits semi-regularly ... these were small deposits, but me and my dad would go to the bank teller and put the money I saved into the account.<br><br>Today, I still value money and am not wasteful in spending it. I\'ll think twice about making a purchase and not be frivoulous with the spending. I attribute this behaviour to the earlier lessons learned by my parents. <br><br>Thanks Mom &amp; Dad!!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302694">\
	 <div id="dsq-comment-header-21302694" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302694" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302694" href="http://jeatyet.blogspot.com/" target="_blank" rel="nofollow">Brian</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302694" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302694" class="dsq-comment-message">When my Dad lost his job as a truck driver (during the trucking deregulation of the 1980\'s), I didn\'t learn so much a lesson about personal money management, but I did learn that I never, ever, ever wanted to be poor again.  It was hard not having anything, and I doubt I\'ll ever forget.  I haven\'t been without a job for more than a month since I was sixteen, so parts of that lesson are still sticking.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302695">\
	 <div id="dsq-comment-header-21302695" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302695" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302695">Carlos</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302695" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302695" class="dsq-comment-message">From my parents I learned:<br><br>Mother: One saves and doesn\'t spend on unnnecesary items. Most things classify as unnecesary, even food (I was anorexic for 30 years). Money saved will help some family member purchase home or start a business.<br><br>father: Money is the crime of a capitalist state and one needs it only if it will be applied for a higher end, such as helping children in need.<br><br>Today I get major guilt trips if I purchase anything personal, a problem I avoid with internet shopping and credit card. And since I don\'t intend on saving the world or saving money for someone else (am single no kids), will get many guilt trips on Amazon.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302696">\
	 <div id="dsq-comment-header-21302696" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302696" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302696" href="http://www.mightybargainhunter.com/" target="_blank" rel="nofollow">mbhunter</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302696" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302696" class="dsq-comment-message">1)  Spend less than you earn.<br>2)  Componding works wonders.<br>3)  Pay your credit card balance in full each month.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302697">\
	 <div id="dsq-comment-header-21302697" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302697" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302697" href="http://multi-millionairebabe.blogspot.com/" target="_blank" rel="nofollow">Justine Kaley</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302697" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302697" class="dsq-comment-message">I was taught no matter how much money you have several things come first Savings, Church, Charity nothing else matters but those three items. My mom was very dedicated to teaching us these three items she also was dedicated to teaching us to get more for our money, to buy items that you know will last, find the cheapest but the best products out there, to give, give, give never ask to recieve you will recieve when the time is right for you to recieve whatever it is your getting. Giving was also number one on her list.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302698">\
	 <div id="dsq-comment-header-21302698" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302698" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302698">AM</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302698" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302698" class="dsq-comment-message">I was born in a third world country in a lower middle class family (poor by any reasonabe western definition). I wore hand downs, read from hand down books, didn\'t have any allowance in my childhood, we didn\'t own a TV or any furniture till I was in high school etc.<br><br>My parents never made me feel poor though (thanks Mom, Dad!) and it was only when I was in my late teens that I figured out we were poor.<br><br>My education came indirectly though:<br><br>-Dad told me one day that if I didn\'t make it on my own, he can\'t help me with a penny.<br><br>-I saw my parents walk for a couple of miles with their grocery shopping in blazing sun so they could buy it cheap and save on cab money.<br><br>-Yet they saved enough to buy a house and make a good retirement.<br><br>Today my wife and I make more than enough to afford anything we can dream of an then spare some, but we save about 2/3rd of our income, invest like hell and spend on nothing which is not necessary.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302699">\
	 <div id="dsq-comment-header-21302699" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302699" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302699" href="http://almostliveradio.com/" target="_blank" rel="nofollow">James</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302699" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302699" class="dsq-comment-message">Buy good stuff. Take care of it and get every once of usage out of it (and then let it accumulate in the basament/garage/wherever). Pay your bills. Checks/Credit Cards are NOT money. Be generous, give to charity.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302700">\
	 <div id="dsq-comment-header-21302700" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302700" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302700" href="http://lazymanandmoney.blogspot.com/" target="_blank" rel="nofollow">Lazy Man and Money</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302700" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302700" class="dsq-comment-message">My mom had a subscription to Kiplinger\'s Finance and I would read it from cover to cover.  We\'d talk about things in it, and I\'d even help her pick mutual funds.  At the age of 13, I would say that I was ahead of my peers in this respect.  It lead to me investing myself in some mutual funds in high school.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302701">\
	 <div id="dsq-comment-header-21302701" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302701" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302701" href="http://stubborncapitalist.com/" target="_blank" rel="nofollow">SCapitalist</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302701" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302701" class="dsq-comment-message">I have been interested in money from a young age.  My parents had two contrasting views towards money.  My mother was the "saver".  Her advice was to save money, she is mostly a 401k investor.  My father is horrible with money.  Money seems to burn a hole in his pocket.  In my later teen years seeing what he has built for himself, (or lack there of...) only motivated me to learn more about personal finance.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302702">\
	 <div id="dsq-comment-header-21302702" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302702" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21302702" href="http://www.lazymanandmoney.com/" target="_blank" rel="nofollow">Lazy Man and Money</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302702" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302702" class="dsq-comment-message">I was taught very directly to save and ask myself if I really want to make that purchase, because it meant a sacrifice in something else that I may want down the line.<br><br>I also was included into the decision making about mutual funds because, even though I 14, I was better at math than my parents and they trusted me more with the numbers.  This lead to me to invest in my own mutual funds, putting $50 a month away.<br><br>You could say that I\'ve been very well brought with regard to finances.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21302703">\
	 <div id="dsq-comment-header-21302703" class="dsq-comment-header">\
	 <cite id="dsq-cite-21302703" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21302703">bill</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21302703" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21302703" class="dsq-comment-message">I remember when I was a teen, my mother helping me set up a passbook savings account at a local S &amp; L. I developed the habit of putting a certain amount of my weekly check into it, a habit I still have today. I think the measure of financial security I have today is directly attributable to this.</div>\
	 </div>\
	 </li>\
	 </ul>\
';

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	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');
}

})();




