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"has_replies": true, "message": "I do not have any IRA plans. Could you provide a link where I can see differences between Roth and Traditional, and what should I do after a choosing a plan? <br>Thank you", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-10_23:55:59", "killed": false, "user_key": "f4e78023f7665c4032919fb662404bbd", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/10/2009 11:55 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317251": {"up_voted": false, "ip": "", "has_replies": false, "message": "George: Check Consumerism Commentary again tomorrow morning after 8:00 am ET. I will have an article describing the differences between Roth and Traditional and some tips for getting started.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_00:32:20", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "03/11/2009 12:32 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21317249, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "21317252": {"up_voted": false, "ip": "", "has_replies": false, "message": "Do capital gains in a traditional IRA count against the limit you're allowed to invest each year?  i.e., I overinvested accidently, so now I need to remove some before April 15th.  1) Am I going to get penalized for removing my excess (can I do anything I want with that money, or do I have to turn around and put it in another investment account?).  2)  Do I have to take into account the capital gains when I'm looking at how much excess to remove (say I invested $6000 instead of my limit of 5000, then I got capital gains of $90... for a total of $6090 in my account in 2008...  do I need to remove $1000 or $1090)?<br><br>Thanks.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-11_23:45:59", "killed": false, "user_key": "e407d445d8746740f8d08d3185369b3c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/11/2009 11:45 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}, "21317254": {"up_voted": false, "ip": "", "has_replies": false, "message": "What IRS forms do you need to file if you do a recharacterization? In some places I'm seeing a 8606 and in others a 1099.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-12_14:30:55", "killed": false, "user_key": "6d740b7bcd9243bb53b85a20e25da850", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/12/2009 02:30 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21317242, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317255": {"up_voted": false, "ip": "", "has_replies": true, "message": "I understand you need earned income to invest in a Roth IRA.  Does severance pay and unemployment benefits consider as earned income?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-15_19:08:31", "killed": false, "user_key": "c8045d184095084349c8f7aca1f91da7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/15/2009 07:08 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317256": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am married and filed jointly.  In 2007 I received a distribution from a deferred compensation plan - box 11 contains same amount as box 1 on W2 for 07.  My wife made $708 earned income.  I contributed what I now believe is an excess amount of $5000 into my and $5000 into my wife's IRA accounts and purchased stocks.  The stocks are now worth about $3500.  I have not yet filed my 08 return.<br><br>What should I do....<br><br>1.  Withdraw $5000 from my and $5000 from my Wife's account.  Do I need to sell the securities.<br><br>2.  Withdraw $4292 from each account as my wife made $708.  Do I need to sell the securities.<br><br>3.  Can I leave the securities there and pay the penalty 6% and consider the excess as non-deductible<br>     contribution<br><br>Are there other options.........Thanks a lot", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-16_12:09:36", "killed": false, "user_key": "4b15a6cc87f319ebc44ca22153246cc9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/16/2009 12:09 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}, "21317257": {"up_voted": false, "ip": "", "has_replies": true, "message": "@ Jeff Rose re: ed DaMan's situtation.  <br><br>Assume same circumstances and not exceeding the income phaseout limits, EXCEPT the wife is self-employed making about $10,000 for the year and puts the maximum that she can into an Individual 401(k).  <br><br>My understanding is that she can still contribute up to the maximum annual limit to her Roth IRA without regard to her 401(k).  The total of all contributions to Roth IRAs and individual 401(k) is less than the earned income of the couple.  <br><br>Do you also see it that way?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-19_19:36:01", "killed": false, "user_key": "894e2362e13d578d87b773c767263a81", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/19/2009 07:36 PM", "approved": true, "num_replies": 2, "is_first_child": true, "email": "", "parent_post_id": 21317247, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317258": {"up_voted": false, "ip": "", "has_replies": true, "message": "@ Jeff in CA (Nice name by the way)<br><br>If I think I interpret your question correctly, your wife is self-employed and contributes her entire income into an individual 401k (I interpret that as a solo-401k), so in effect she reports no income.   As long as your income doesn't exceed the phaseout limits then she'll be able to have a Roth based on your income.  <br><br>Another way of answering your last question is that the most an individual can invest into all retirement plans (without advanced planning) is $49,000.  That's Roth IRA, SEP IRA's, Solo- 401k's, etc.     I think I answered your question, if not give me another shot.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-19_22:48:41", "killed": false, "user_key": "00ab011a82996fcc0509f5b992112251", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/19/2009 10:48 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 21317257, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317259": {"up_voted": false, "ip": "", "has_replies": false, "message": "@ Lamar.  Severance pay is.  Unemployment is not.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-03-19_22:51:46", "killed": false, "user_key": "00ab011a82996fcc0509f5b992112251", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/19/2009 10:51 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21317255, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317260": {"up_voted": false, "ip": "", "has_replies": false, "message": "You interpreted that as I intended.  And that was exactly my question.  Thanks for your answer!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-20_00:54:17", "killed": false, "user_key": "894e2362e13d578d87b773c767263a81", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/20/2009 12:54 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21317258, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317261": {"up_voted": false, "ip": "", "has_replies": false, "message": "For 2008, I contributed to my Roth IRA account however I am not qualified to do so. Do I need to remove the excess before April 15th, 2009? Do I still need to file Form 8606 if the excess is removed? Will I be penalized for any capital gains in the Roth IRA account, even though the gains occur prior to 2008? I also contributed to 2009 as well, should I remove the excess or leave it since I don't know right now if I am qualified to make any contribution for 2009 or not? Thanks for the advice.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-10_16:46:43", "killed": false, "user_key": "2c3c97843a2e63cb4690eef3120ed680", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/10/2009 04:46 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}, "21317262": {"up_voted": false, "ip": "", "has_replies": false, "message": "As a variation of ed DaMan's question, my wife and I are both over age 60.  I earned $1,000 and she $10,500 in year 2008.  She can make a 2008 contribution of $6,000 to her Roth IRA .  Can I \"use\" the remaining earned income \"balance\" and contribute $5,500 to my Roth IRA or do I have to limit my contribution to $1,000??<br>  Does a $12,000 earned income minimum, if both are over age 50, come into play since we are both over 60??<br>  Our MAGI for year 2008 is less than $149,000.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-04-13_10:24:23", "killed": false, "user_key": "20d27bb36565754cd7b6f67e66edd3a8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/13/2009 10:24 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 21317247, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317263": {"up_voted": false, "ip": "", "has_replies": false, "message": "hello!<br>I am Yanet and I am 19 years old. I do not understand about the Roth Ira's system, Can you explain me it please. Also, can you help me with the formulas to do it. thanks", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-15_12:36:55", "killed": false, "user_key": "4a3f37b72f7c21bbf2f6eea421a03fd9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/15/2009 12:36 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317264": {"up_voted": false, "ip": "", "has_replies": false, "message": "My husband over-contributed (by $4,000!) to his Roth tonight (4/15). By the time we discovered the error, it was too late to do anything about it online or by phone. Will he have a 6% penalty on the excess contribution?  Can he move the excess to a regular IRA on 4/16, or convert some to a 2009 contribution?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-04-15_22:53:46", "killed": false, "user_key": "45a434f3fc66c6559d4cd8b1283d858a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/15/2009 10:53 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317265": {"up_voted": false, "ip": "", "has_replies": false, "message": "I'm self-employed and make regular contributions to a SEP up to the allowable 10% limit.  Am I able to make additional contributions to a traditional IRA?  Are there any \"SEP/Traditional combination\" limits?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-05-30_10:59:25", "killed": false, "user_key": "1cf6cd3221a408677a054bba1c95cbcf", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/30/2009 10:59 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}, "21317266": {"up_voted": false, "ip": "", "has_replies": false, "message": "My wife has no income.  We're both over 55, filing jointly with income well in excess of the $166,000 IRS IRA limits.  I can contribute $6,000 to my conventional IRA but can I contribute the same to hers?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-28_08:40:11", "killed": false, "user_key": "0e9d500981f4c948899f6068f80d9349", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "Yesterday 08:40 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}, "21317267": {"up_voted": false, "ip": "", "has_replies": false, "message": "@Tom \u2013 Yes, both you and your wife (as long as she\u2019s over 50 years old as well) can contribute the maximum of $6,000.  The contributions can not be tax deductible if your MAGI is in excess of $176,000.<br>However, in 2010, the income limits on Roth IRA conversions disappear.<br><br>So next year, you can convert this year\u2019s Traditional IRA to Roth IRA and realize the benefits of a Roth.  However, please note that if you\u2019ve made past tax deductible contributions to a Traditional IRA, those contributions will have a taxable impact on your conversion even if they aren\u2019t a part of the conversion you undertake\u2026<br><br>Why?<br><br>Since the IRS views your IRA as a single IRA (even though it may be spread across multiple separate financial accounts), it treats the contributions on a partial conversion as a percentage of the whole.  So if 50% of your contributions were tax deductible and the rest weren\u2019t, your conversion will be taxed accordingly, even if the converted funds were non-tax deductible themselves.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_10:14:48", "killed": false, "user_key": "7026b2d2fe00d3867e16888c7ef64e3b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/14/2009 10:14 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}, "21317268": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have funds in a Roth IRA from 2006-7 contributions (I made less than 100k ) but I made more than 120k (single) in 2008 and will in 2009, as well. I am not contributing to my Roth IRA any more but I do have a portion of my 401k deductions to a Roth IRA (which I've heard is okay as there are no income limits to contribute to a 401k Roth IRA?) Questions:<br><br>1. Is it okay that I leave the funds in the Roth IRA now that I make more than 120k? <br>2. Can/should I convert any of my traditional IRA funds to Roth IRA? Does the income limitation apply to conversions as well?<br>3. Is it okay for me to contribute to a 401k Roth IRA? What is the limit - if any? Is there really a difference on income limits on Roth IRA vs. 401k Roth IRA?<br><br>Thanks!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-18_19:59:15", "killed": false, "user_key": "a6b38d81f14416ce3c63b178774830c6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/18/2009 07:59 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}, "21317269": {"up_voted": false, "ip": "", "has_replies": false, "message": "@Sandra \u2013 I\u2019ll try to answer each of your questions as you\u2019ve asked them\u2026<br><br>1. Yes.  It\u2019s okay to leave the funds you\u2019ve already contributed to your Roth in your Roth IRA even though you now earn more than the Roth IRA income limits allow.  The income limits are for making NEW contributions.  So you can leave your Roth IRA funds alone to grow tax free forever!<br><br>2. The question of whether or not you should convert your Traditional IRA to a Roth is more of a personal question.  Consult a tax advisor to find out what the advantages and disadvantages are for your particular situation.  As for income limits, in 2010, all income limits for making a Roth IRA conversion disappear.  So that should NOT be a problem.<br><br>3.  There is no income limit for making contributions to a Roth 401k.  Your contribution is treated under the same rules as a regular 401k contribution except that its made with after-tax funds (it\u2019s not tax deductible).  And, of course, your withdrawals in retirement are tax free.<br><br>Here\u2019s what the IRS website states in regard to the Roth 401k:<br><br>\u201cDo the same income restrictions that apply to Roth IRAs apply to designated Roth contributions?<br><br>No, there are no limits on an employee\u2019s income in determining if he or she can make designated Roth contributions. Of course, the employee has to have salary from which to make any 401(k) or 403(b) deferrals.\u201d<br><br>I hope this information helps.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-20_16:00:16", "killed": false, "user_key": "7026b2d2fe00d3867e16888c7ef64e3b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/20/2009 04:00 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}, "21317270": {"up_voted": false, "ip": "", "has_replies": false, "message": "I want to convert $20,000 from tradional IRA to ROTH IRA. I know I will have to pay taxes on the money. Will it be taxed at the same rate as my earned income for 2009 ? Will I still be able to<br>make a contribution to my ROTH IRA for 2009 ? Do I have to convert the whole amount or a little at a time ? Is there a time limit on converting from standard IRA to ROTH IRA ? thank you", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-27_03:53:26", "killed": false, "user_key": "fb4fec87c82869fa88c7f6a73beab8dd", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/27/2009 03:53 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317271": {"up_voted": false, "ip": "", "has_replies": true, "message": "@ christy<br><br>If you convert in 2009, yes you will be subject to the same tax rate as your earned income for the year.  <br><br>If your earned income does not exceed the Roth IRA phaseout limits, you can still contribute to a Roth IRA.  The conversion will have no affect.<br><br>You can convert as little or as much as you want.  There is no rule on this or any time limit.<br><br>I have some more information on the Roth IRA conversion here:<br><br><a href=\"http://www.goodfinancialcents.com/2010-roth-ira-conversion-rules/\" rel=\"nofollow\">http://www.goodfinancialcents.com/2010-roth-ira...</a>  and <a href=\"http://www.goodfinancialcents.com/roth-ira-conversion-traditional-401k-2010/\" rel=\"nofollow\">http://www.goodfinancialcents.com/roth-ira-conv...</a><br><br>The whole process can be tricky.  Make sure you have a tax professional helping you every step of the way ;-)", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-27_11:57:40", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/27/2009 11:57 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317272": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am not sure if you answered this before but if I am contributing monthly to my roth ira and do well in my business this year (make 200K +), how do I recharacterize my roth ira (including the gains that I have already made this year) to an IRA that I might qualify for.  I work with Fidelity.  Would they have a form to transfer to a different account?  How exactly is this taken care of?<br><br>Thanks,<br><br>Marcus", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-30_01:48:47", "killed": false, "user_key": "8110737c181de0a58b5762058afae748", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/30/2009 01:48 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}, "21317273": {"up_voted": false, "ip": "", "has_replies": false, "message": "I just realized that I made excess contributions to my IRA accounts for tax year 2008. I'm only allowed 5K but I contributed 4K to a traditional IRA account as well as 2K to Roth IRA account. What is the best way to correct this with minimum tax penalty?<br><br>Thanks,<br>SL", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-13_10:38:20", "killed": false, "user_key": "3092d6c228916192233903d618911fba", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/13/2009 10:38 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}, "21317274": {"up_voted": false, "ip": "", "has_replies": false, "message": "I just STOPPED contributing to my 401k at work and opened a Roth IRA on my own instead.  I'm 43 and make $36,000/year.  I contributed about $3000 to my 401k for 2009.  How much can i contribute to my new Roth IRA for 2009?  Does the 401k have anything to do with the limit?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-21_12:26:15", "killed": false, "user_key": "30c04a5c74348eb9385301a90d08c05c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/21/2009 12:26 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317275": {"up_voted": false, "ip": "", "has_replies": false, "message": "Are IRA  distributions  taxable this year--2009? I heard a rumor they arent because of the state of the economy.<br>Bob Howard", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-09-11_17:54:27", "killed": false, "user_key": "1815820099456e8213b9ac3526270380", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/11/2009 05:54 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21317271, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317276": {"up_voted": false, "ip": "", "has_replies": true, "message": "I currently have $11,000 in my traditional ira and am thinking of converting to a roth ira.  Since I've already contributed $4,000 to my traditional which is deductible, does that net with the $11,000 I'm converting? So that at the end of the year, I'll only have to pay taxes on $7,000? Is that how it works?<br><br>Thanks!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-09-24_04:55:25", "killed": false, "user_key": "a8b44c8c98d9aaccc6b47df3142af8a0", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/24/2009 04:55 AM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317277": {"up_voted": false, "ip": "", "has_replies": false, "message": "@ SKN<br><br>Instead of attempting to explain, check out a post I did that walks you through the conversion process:  <a href=\"http://www.goodfinancialcents.com/2010-traditional-ira-to-roth-ira-conversion-tax-rules/\" rel=\"nofollow\">http://www.goodfinancialcents.com/2010-traditio...</a><br><br>Let me know if you have any other questions.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-09-24_10:06:13", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/24/2009 10:06 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21317276, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317213": {"up_voted": false, "ip": "", "has_replies": false, "message": "\"If your MAGI is above $120,000 (single) or $176,000 (married filing jointly), you do not qualify for IRA contributions. \"<br><br>This statement is not 100% correct.  If you exceed the income limits you may still contribute to an IRA.  The difference is that your contributions will be after tax contributions.  However, you may want to make this contribution anyway because even if you are ineligible for a Roth IRA now (due to income limitations), that restriction disappears in 2010.  Thus, if you have a conventional IRA now (even if funded with taxed contributions), you can convert that to a Roth IRA in 2010, making all of your withdrawals non-taxable.  That is what I am doing.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-01_16:49:40", "killed": false, "user_key": "f7eac5dd9742d0aa2918d6713b5d6474", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/01/2009 04:49 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}, "21317214": {"up_voted": false, "ip": "", "has_replies": false, "message": "I contribute the maximum to a company 401K plan. How much could I contribute to a Roth IRA if I opened one?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-01_17:16:13", "killed": false, "user_key": "71bbf71d7ae216a38a6c086fd4dd5e46", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/01/2009 05:16 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 2, "author_is_creator": false, "is_realtime": false}, "21317215": {"up_voted": false, "ip": "", "has_replies": false, "message": "@Rick<br><br>Contributing to a Roth IRA is more subject to your AGI (Adjusted Gross Income).  That will determine whether your eligible to contribute to a Roth.  If you exceed the income threshold, you may want to consider contributing to a nondeductible IRA for 2008 and 2009 and then converting them both in 2010.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-01_19:56:50", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/01/2009 07:56 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317216": {"up_voted": false, "ip": "", "has_replies": false, "message": "Thanks for your answer. It is good to have blogs like yours to remind us about these things.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-02_00:14:32", "killed": false, "user_key": "71bbf71d7ae216a38a6c086fd4dd5e46", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/02/2009 12:14 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}, "21317217": {"up_voted": false, "ip": "", "has_replies": false, "message": "My husband will turn 50 in August, 2009.  Can he deposit $6000 this year or is he still limited to the $5000?<br><br>I'm about to set up our automatic contributions for the year so thanks for your help.<br><br>Heidi", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-04_16:26:56", "killed": false, "user_key": "cc69a8406e61f228d3367251f4a3a1ac", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/04/2009 04:26 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317218": {"up_voted": false, "ip": "", "has_replies": false, "message": "@Heidi<br><br>You are allowed to take advantage of the catch up in the calendar year that you turn the age of 50.  So yes, go ahead and adjust for the $6000 contribution for the year.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-04_23:49:54", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/04/2009 11:49 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317219": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have several Traditional IRA's and a Roth IRA. Because of the income limits, I have not contributed to the Roth IRA in several years.... The above comments suggest to convert Traditional IRA's to Roth IRA's in 2010 (no income limits in 2010). If we DO that, won't we have to pay taxes on ALL our interest or profit... in other words everything our Traditional IRA's earned throughout the years????", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-12_19:59:57", "killed": false, "user_key": "6e2acfb5ae31cc763b7b5dfec38b9402", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/12/2009 07:59 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}, "21317220": {"up_voted": false, "ip": "", "has_replies": false, "message": "@ Bill-<br><br>In most cases, you are absolutely correct.  For the 2010 Roth IRA Conversion event, the IRS is making a special exception.  The taxable gain is not all due in 2010 (actually payable by April 15th in 2011).  The IRS will allow you to spread the tax over a two year period;  50% in 2011 and 50% in 2012.  <br><br>That way the tax bill does not hit you all at once.  Hope that helps!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-12_20:36:55", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/12/2009 08:36 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 1, "author_is_creator": false, "is_realtime": false}, "21317221": {"up_voted": false, "ip": "", "has_replies": false, "message": "Please correct me if I'm wrong, but I thought I recently read that the \"catch up\" dollar amount for the year 2009 was increasing by $500.  In other words a person contributing the over 50 catch up amount would now be $6,500.  Please let me know if I'm in correct.  Thanks", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-26_12:18:01", "killed": false, "user_key": "f1a6fa29856843e0740a4aa99240625a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/26/2009 12:18 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}, "21317224": {"up_voted": false, "ip": "", "has_replies": false, "message": "@ Donna<br><br>You are almost correct.  The catch up contribution will increase by $500 but that does not begin until 2010.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-26_15:54:44", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/26/2009 03:54 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}, "21317225": {"up_voted": false, "ip": "", "has_replies": false, "message": "My adjusted gross income in 2009 should be about 110,000.  How much can I put in my Roth IRA in 2009?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-03_14:17:21", "killed": false, "user_key": "44a81d22805d09701d95bf6407289d80", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/03/2009 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}, "21317226": {"up_voted": false, "ip": "", "has_replies": false, "message": "@ Michael<br><br>Are you filing as an individual or joint?  That will make a difference.  I have the formula for you to calculate based on what filing status you fall under.  <a href=\"http://www.goodfinancialcents.com/2009-roth-ira-phase-out-limits/\" rel=\"nofollow\">http://www.goodfinancialcents.com/2009-roth-ira...</a>  (Flexo, I apologize if this against your comment policy)", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-03_16:05:44", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/03/2009 04:05 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317227": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am filing single.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-03_17:11:33", "killed": false, "user_key": "44a81d22805d09701d95bf6407289d80", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/03/2009 05:11 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}, "21317228": {"up_voted": false, "ip": "", "has_replies": false, "message": "my concern: is there is a maximum % of income allowed to put toward IRAs?<br>Do I still qualify to invest the full $5000 ROTH IRA amount if:<br><br>1. laid off, with annual income under $15,000<br><br>2. retired (over 65) with no income", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-05_18:52:46", "killed": false, "user_key": "3c956beb18a8e86cc2d282684ee9acc6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/05/2009 06:52 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}, "21317229": {"up_voted": false, "ip": "", "has_replies": false, "message": "@ Lola<br><br>1. No maximum % of income, but you can only contribute to what you make.  For example, if your income for the year is $4000, you can only contribute $4000.<br><br>2.  I just kind of answered #2 above.  You can only contribute to an IRA (Roth or Traditional) if you have earned income.<br><br>None of my business, but not sure if 1. your laid off or 2. retired with no income, if investing in a Roth IRA makes sense?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-05_21:38:00", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/05/2009 09:38 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317230": {"up_voted": false, "ip": "", "has_replies": false, "message": "I made my Roth IRA contributions for 2008 back in January 08, but  I just realized I do not qualify for this year.  Like the overall market, my Roth investment lost a significant part of its worth over the past year.  Everything I read so far mentions the treatment of gains on excess contribution but none mentions losses, so I have two questions:<br>1. Does that count as capital loss deduction if I transfer the excess contribution to a taxable account?<br>2. Since the current value of my investment is less than the amount originally invested, do I have to liquidate my prior year contributions to bring it up to the original $5000 or do I just need to transfer the current value of the original investment?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-08_01:13:33", "killed": false, "user_key": "a6ad4af587b4cecffc9a73093a10eada", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/08/2009 01:13 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}, "21317231": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am 72. Can I convert my traditional IRA to a Roth for 2008 up until April of this year?(2009) If so, do my required minimum distributions I have taken in 2008 count as part of my adjusted gross income to determine if I meet the income eligibility  for  a Roth or are those distributions exempt from that calculation?  Thanks", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-08_22:28:05", "killed": false, "user_key": "acd96b2c498a5ce9dcc6f02c00293741", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/08/2009 10:28 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}, "21317232": {"up_voted": false, "ip": "", "has_replies": false, "message": "@ Excess<br><br>1. The only way to generate a capital loss in your Roth IRA is to liquidate all your Roth IRA holdings, not just the 2008 contribution.  If that is your only one, then you may be entitled to take the loss.  Based on your second question, it looks as though you will not be entitled to the loss.<br><br>2. The investment/brokerage firm should be able to figure out what is the current value of the $5000 2008 contribution.   The current depreciated value is all you have to take out.  For example, if what you invested in is only worth $3000 today, $3000 is all you have to take out.<br><br>@ Jerald<br><br>You have to convert in the \"calendar\" year not the tax year, so you missed the boat for 2008.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-09_17:37:57", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/09/2009 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}, "21317233": {"up_voted": false, "ip": "", "has_replies": false, "message": "I realize now that you have to have EARNED income to make a contribution to a Roth or regular IRA. Is that also true for a non deductible IRA?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-16_11:40:48", "killed": false, "user_key": "e3dc2a6f953297810c9317e262340312", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/16/2009 11:40 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}, "21317234": {"up_voted": false, "ip": "", "has_replies": false, "message": "@ Pat<br><br>Yes, same rule applies.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-16_12:46:57", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/16/2009 12:46 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}, "21317235": {"up_voted": false, "ip": "", "has_replies": false, "message": "I contributed $5000 to my Roth IRA in 2008 and have maxed out my contributions over the last 6 years.  In January of 2009, I needed some cash to refinance my house and withdrew $8000 from my Roth IRA.  I am now in a position to again contribute to my Roth.  My question is - how much can I now contribute...in both 2008 and 2009?  <br><br>If I act before April 15th, can I pay the $8000 back, which would result in a net 2008 contribution of $5000?  <br><br>Or since the withdrawal took place in 2009, does that effect my 2009 contribution limit?  Can I then contribute $13000 in 2009, which results in a net 2009 contribution of $5000?  <br><br>Or am I not allowed to pay back withdrawals?  Then, I would be considered maxed out in 2008 and the most I could contribute in 2009 is $5000.  <br><br>I'm in a unique positon and can't sem to find any answers.  Please advise.  Thanks", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-22_17:13:59", "killed": false, "user_key": "54fbab0b8688c5e681a7a65b33a6e62a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/22/2009 05:13 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}, "21317236": {"up_voted": false, "ip": "", "has_replies": false, "message": "@ Josh<br><br>That is a very unique situation.  When you take a distribution from an IRA, you have what's called the 60 day \"borrow rule\"  <a href=\"http://www.goodfinancialcents.com/borrowing-against-your-ira\" rel=\"nofollow\">http://www.goodfinancialcents.com/borrowing-aga...</a>.  Keep in mind that's 60 days from when you took the distribution.  If you are looking to replenish the funds you  withdrew, I suggest you deposit them immediately.    That means that your 2008 contribution would be satisfied, but you would then need to deposit another $5k for your 2009 contribution.  <br><br>Hope that helps!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-23_16:55:35", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/23/2009 04:55 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}, "21317237": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jeff, great stuff here.  Quick question: have a Roth IRA and contribute the max of $5K and understand that you CAN in fact contribute to both a Roth IRA and a traditional IRA as long as the total does not exceed $5K, but would a \"non-deductible IRA\" count as part of the $5K limit or not?  I would like to be able to do the $5K Roth &amp; $5K non-deductible IRA with an eye towards converting the non-deductible to my Roth in 2010.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-27_06:58:17", "killed": false, "user_key": "9c3c5478c87c532eeaa1b22ff9fef7f3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/27/2009 06:58 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}, "21317238": {"up_voted": false, "ip": "", "has_replies": false, "message": "@ Forrest and Jennifer<br><br>You are correct on the ability to contribute to both a Roth and traditional so as long as you don't exceed the $5k limit (for under the age of 50).  Unfortunately, the nondeductible IRA goes towards this as well.  So, no, you won't be able to do what you hoped.  I like the way you think though!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-27_20:02:15", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/27/2009 08:02 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317239": {"up_voted": false, "ip": "", "has_replies": true, "message": "Jeff - <br>this is a weird situation that I've not seen addressed elsewhere.  I contributed the fully-allowable $5K to my ROTH IRA in 2008.  Then, to make a long story short, my husband was bought out of his job in late 2008 - which resulted in an unexpected flurry of stock options exercised, retention bonuses earned, etc.  This windfall caused his annual earnings to exceed that of the ROTH contribution threshhold.<br><br>We realize that basically the $5k contributed to my ROTH is considered to be an excess contribution - and that there will be an income tax penalty on that money.  Our thoughts were to take the $5K that was contributed in 2008 out of the ROTH and then open up a Traditional IRA.  Is that allowable???  I'm having difficulty finding any information about doing this - everything I'm finding seems to be about converting Traditional funds to ROTH!<br><br>Thanks!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-02_10:47:27", "killed": false, "user_key": "fddc4baf2e015cfd1d0a21539cdc2e35", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/02/2009 10:47 AM", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317241": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jeff,<br>      I have taken an 80% loss on my total ROTH this past year.  Here is my question.  If I close out my ROTH to take the tax loss can I then add an additional $5000 to a new ROTH account for 2008 tax year or can I add the $5000 to a traditional IRA instead for year 2008 if my agi makes it possible or will I instead have to allocate it to 2009 tax year.  Second question, am I able to take the loss on my 2008 taxes since it is after December 31 or does the IRA use the April 15 date of the next year as a closing date for these purposes and I will have to wait till next tax year to file this loss?<br><br>Thanks", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-02_12:18:42", "killed": false, "user_key": "92a1a8b34b26785e2839a82d66373426", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/02/2009 12:18 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}, "21317242": {"up_voted": false, "ip": "", "has_replies": true, "message": "Just to give you a quick answer.... I had a similar scenario in 2006. I had already contributed to my Roth IRA, then sold 2000 shares of  (previous) company stock..... putting me OVER the income limit for the Roth IRA..... What I had to do and what you will need to do is called a \"recharacterization\" of the funds, basically taking the contributions for 2008 FROM your Roth IRA and placing them into a Traditional IRA. It's actually a pretty simple process, but I THINK the recharacterization MUST take place before April 15 of this year!!!<br> Jeff can fill you in with the details in case I've left anything out.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-02_12:35:04", "killed": false, "user_key": "6e2acfb5ae31cc763b7b5dfec38b9402", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/02/2009 12:35 PM", "approved": true, "num_replies": 1, "is_first_child": true, "email": "", "parent_post_id": 21317239, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317243": {"up_voted": false, "ip": "", "has_replies": false, "message": "@ Archer.  Bill is right on.  That's exactly what you need to do.  <br><br>@ Patick.  Same as Archer's Situation.  Once you made a contribution to the IRA, that's your contribution for the year. The IRS will have a record of the contribution so you would not be able to cash out and recontribute.   To take a loss you would have had to cash out in the calendar year, not the tax year. You are still able to do a recharacterization, keeping in mind that it will only be for the current value.  <br><br>The only way you would be able to take a loss would be to completely cash out your total IRA balances which wouldn't make sense if you plan on contributing for 2009.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-02_17:29:40", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/02/2009 05:29 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21317245": {"up_voted": false, "ip": "", "has_replies": false, "message": "Great info!  I'm married, filing jointly.  My wife has no income apart from mine.  Are we (together) limited to the $5,000 limit on Roth IRA contributions?  Can we put in $10,000 together in a single Roth...or could we each contribute $5k to a Roth?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-03_17:25:27", "killed": false, "user_key": "7c6e70b6f8a111c07855fa727b28468f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/03/2009 05:25 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}, "21317246": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jeff:<br><br>My situation is similar to Patrick's with a twist.  If I have a Roth 401(k) and a Roth IRA, do I need to cash both out in order to take a tax loss or can I just cash out the Roth IRA?  Obviouly, I'd rather not do this at all but other circustances may require me to do this for 2009.<br>Thanks!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-05_23:22:11", "killed": false, "user_key": "106afc4afd558c259d0d864abeb3f6fc", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/05/2009 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}, "21317247": {"up_voted": false, "ip": "", "has_replies": true, "message": "@ MIke.  You should be good on the Roth 401k.  Although they both have \"Roth\" in them, the are technically both covered under different IRS code.  <br><br>@ ed DaMan  Provided you don't exceed the income phaseout limits (phaseout begins at $166,000), you could then make a Roth contribution on each other's behalf.  The would have to be separate, because they are Roth \"Individual\" Retirement Accounts.   But as long as you have income that exceeds 10k, you are allowed to open an IRA for your nonworking spouse.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-03-06_08:21:46", "killed": false, "user_key": "2b84819d1e61a0650c97f24e1c5e9eb1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/06/2009 08:21 AM", "approved": true, "num_replies": 4, "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": "42483510", "user_id": "anonymous", "forum_id": "214864", "hash": -6770014643896960667}, "thread": {"days_alive": 0, "slug": "traditional_and_roth_ira_contribution_limits_for_2009", "paginate": false, "num_pages": 1, "num_posts": 59, "per_page": 0, "total_posts": 0, "realtime_paused": true, "id": 42483510, "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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	this.curPageId = 'dsq-comments';

	this.frames = {};
};

var disqus_popup_reference = null;

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



/**
 * Dsq.Strings: UI strings
 */
Dsq.Strings = new function() {
	this.ADD_NEW_COMMENT = "Add New Comment";
	this.LOG_INTO_DISQUS = "Log into DISQUS";
	this.USE_MEDIA = "Use Media";
	this.LOGOUT = "Logout";
	this.SHARING_OPTIONS = "Sharing options";
	this.SHARE_ON = "Share on";
	this.TWEET_THIS_COMMENT = "Tweet this comment";
	this.SHARE_ON_NEWSFEED = "Share on news feed";
	this.SEND_UPDATE_TO_YAHOO = "Send update to Yahoo!";
	this.REBLOG_ON = "Reblog on";
	this.CONFIGURE_OPTIONS = "Configure options";
	this.POST_AS = "Post as";
	this.SORT_BY = "Sort by";
	this.SUBSCRIBE_BY_EMAIL = "Subscribe by email";
	this.SUBSCRIBE_BY_RSS = "Subscribe by RSS";
	this.POPULAR_NOW = "Popular now";
	this.BEST_RATING = "Best Rating";
	this.NEWEST_FIRST = "Newest first";
	this.OLDEST_FIRST = "Oldest first";
	this.HIGHLIGHTED = "Highlighted";
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	this.REQUIRED = "Required";
	this.OPTIONAL = "Optional";
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	this.PLEASE_LOGIN_BELOW_TO_COMMENT = "Please login below to comment.";
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	this.DO_NOT_SUBSCRIBE_TO_COMMENTS = "Do not subscribe to comments";
	this.REALTIME_UPDATING_IS = "Real-time updating is";
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	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";
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	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;



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	this._lastHash = null;

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	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() {
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		hash = this.reader.name;
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		hash = this.reader.location.href.substring(hashIndex+1);
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		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);

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

FragmentPacket.prototype.sendRawPacket = function(packet) {
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		this.writer.name = packet;
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		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;
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	} 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;
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			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=traditional_and_roth_ira_contribution_limits_for_2009' +
		'&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/traditional_and_roth_ira_contribution_limits_for_2009/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='	+ 'traditional_and_roth_ira_contribution_limits_for_2009'
			+ '&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/traditional_and_roth_ira_contribution_limits_for_2009/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">59</span> Comments\
	 &nbsp;\
	 <span class="dsq-item-feed">\
	 <a href="http://consumerismcommentary.disqus.com/traditional_and_roth_ira_contribution_limits_for_2009/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/traditional_and_roth_ira_contribution_limits_for_2009/">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/traditional_and_roth_ira_contribution_limits_for_2009/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:42483510" 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'				: 'traditional_and_roth_ira_contribution_limits_for_2009',
			// 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/traditional_and_roth_ira_contribution_limits_for_2009/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='	+ 'traditional_and_roth_ira_contribution_limits_for_2009'
			+ '&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='	+ 'traditional_and_roth_ira_contribution_limits_for_2009'
			+ '&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='		+ 'traditional_and_roth_ira_contribution_limits_for_2009'
				+ '&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/42483510/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';
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<ul id="dsq-comments">\
	 <li id="dsq-comment-21317214">\
	 <div id="dsq-comment-header-21317214" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317214" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317214" href="http://www.rickety.us/" target="_blank" rel="nofollow">Rick</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317214" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317214" class="dsq-comment-message">I contribute the maximum to a company 401K plan. How much could I contribute to a Roth IRA if I opened one?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317220">\
	 <div id="dsq-comment-header-21317220" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317220" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317220" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317220" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317220" class="dsq-comment-message">@ Bill-<br><br>In most cases, you are absolutely correct.  For the 2010 Roth IRA Conversion event, the IRS is making a special exception.  The taxable gain is not all due in 2010 (actually payable by April 15th in 2011).  The IRS will allow you to spread the tax over a two year period;  50% in 2011 and 50% in 2012.  <br><br>That way the tax bill does not hit you all at once.  Hope that helps!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317213">\
	 <div id="dsq-comment-header-21317213" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317213" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317213" href="http://gotoretirement.com/" target="_blank" rel="nofollow">Mr. GoTo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317213" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317213" class="dsq-comment-message">"If your MAGI is above $120,000 (single) or $176,000 (married filing jointly), you do not qualify for IRA contributions. "<br><br>This statement is not 100% correct.  If you exceed the income limits you may still contribute to an IRA.  The difference is that your contributions will be after tax contributions.  However, you may want to make this contribution anyway because even if you are ineligible for a Roth IRA now (due to income limitations), that restriction disappears in 2010.  Thus, if you have a conventional IRA now (even if funded with taxed contributions), you can convert that to a Roth IRA in 2010, making all of your withdrawals non-taxable.  That is what I am doing.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317215">\
	 <div id="dsq-comment-header-21317215" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317215" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317215" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317215" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317215" class="dsq-comment-message">@Rick<br><br>Contributing to a Roth IRA is more subject to your AGI (Adjusted Gross Income).  That will determine whether your eligible to contribute to a Roth.  If you exceed the income threshold, you may want to consider contributing to a nondeductible IRA for 2008 and 2009 and then converting them both in 2010.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317216">\
	 <div id="dsq-comment-header-21317216" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317216" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317216" href="http://www.rickety.us/" target="_blank" rel="nofollow">Rick</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317216" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317216" class="dsq-comment-message">Thanks for your answer. It is good to have blogs like yours to remind us about these things.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317217">\
	 <div id="dsq-comment-header-21317217" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317217" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317217">Heidi</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317217" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317217" class="dsq-comment-message">My husband will turn 50 in August, 2009.  Can he deposit $6000 this year or is he still limited to the $5000?<br><br>I\'m about to set up our automatic contributions for the year so thanks for your help.<br><br>Heidi</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317218">\
	 <div id="dsq-comment-header-21317218" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317218" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317218" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317218" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317218" class="dsq-comment-message">@Heidi<br><br>You are allowed to take advantage of the catch up in the calendar year that you turn the age of 50.  So yes, go ahead and adjust for the $6000 contribution for the year.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317219">\
	 <div id="dsq-comment-header-21317219" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317219" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317219">Bill</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317219" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317219" class="dsq-comment-message">I have several Traditional IRA\'s and a Roth IRA. Because of the income limits, I have not contributed to the Roth IRA in several years.... The above comments suggest to convert Traditional IRA\'s to Roth IRA\'s in 2010 (no income limits in 2010). If we DO that, won\'t we have to pay taxes on ALL our interest or profit... in other words everything our Traditional IRA\'s earned throughout the years????</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317221">\
	 <div id="dsq-comment-header-21317221" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317221" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317221">Donna</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317221" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317221" class="dsq-comment-message">Please correct me if I\'m wrong, but I thought I recently read that the "catch up" dollar amount for the year 2009 was increasing by $500.  In other words a person contributing the over 50 catch up amount would now be $6,500.  Please let me know if I\'m in correct.  Thanks</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317224">\
	 <div id="dsq-comment-header-21317224" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317224" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317224" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317224" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317224" class="dsq-comment-message">@ Donna<br><br>You are almost correct.  The catch up contribution will increase by $500 but that does not begin until 2010.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317225">\
	 <div id="dsq-comment-header-21317225" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317225" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317225">Michael</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317225" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317225" class="dsq-comment-message">My adjusted gross income in 2009 should be about 110,000.  How much can I put in my Roth IRA in 2009?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317226">\
	 <div id="dsq-comment-header-21317226" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317226" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317226" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317226" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317226" class="dsq-comment-message">@ Michael<br><br>Are you filing as an individual or joint?  That will make a difference.  I have the formula for you to calculate based on what filing status you fall under.  <a href="http://www.goodfinancialcents.com/2009-roth-ira-phase-out-limits/" rel="nofollow">http://www.goodfinancialcents.com/2009-roth-ira...</a>  (Flexo, I apologize if this against your comment policy)</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317227">\
	 <div id="dsq-comment-header-21317227" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317227" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317227">Michael</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317227" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317227" class="dsq-comment-message">I am filing single.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317228">\
	 <div id="dsq-comment-header-21317228" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317228" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317228">lola</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317228" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317228" class="dsq-comment-message">my concern: is there is a maximum % of income allowed to put toward IRAs?<br>Do I still qualify to invest the full $5000 ROTH IRA amount if:<br><br>1. laid off, with annual income under $15,000<br><br>2. retired (over 65) with no income</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317229">\
	 <div id="dsq-comment-header-21317229" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317229" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317229" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317229" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317229" class="dsq-comment-message">@ Lola<br><br>1. No maximum % of income, but you can only contribute to what you make.  For example, if your income for the year is $4000, you can only contribute $4000.<br><br>2.  I just kind of answered #2 above.  You can only contribute to an IRA (Roth or Traditional) if you have earned income.<br><br>None of my business, but not sure if 1. your laid off or 2. retired with no income, if investing in a Roth IRA makes sense?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317230">\
	 <div id="dsq-comment-header-21317230" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317230" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317230">Excess</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317230" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317230" class="dsq-comment-message">I made my Roth IRA contributions for 2008 back in January 08, but  I just realized I do not qualify for this year.  Like the overall market, my Roth investment lost a significant part of its worth over the past year.  Everything I read so far mentions the treatment of gains on excess contribution but none mentions losses, so I have two questions:<br>1. Does that count as capital loss deduction if I transfer the excess contribution to a taxable account?<br>2. Since the current value of my investment is less than the amount originally invested, do I have to liquidate my prior year contributions to bring it up to the original $5000 or do I just need to transfer the current value of the original investment?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317231">\
	 <div id="dsq-comment-header-21317231" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317231" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317231">Jerald Kuhn</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317231" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317231" class="dsq-comment-message">I am 72. Can I convert my traditional IRA to a Roth for 2008 up until April of this year?(2009) If so, do my required minimum distributions I have taken in 2008 count as part of my adjusted gross income to determine if I meet the income eligibility  for  a Roth or are those distributions exempt from that calculation?  Thanks</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317232">\
	 <div id="dsq-comment-header-21317232" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317232" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317232" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317232" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317232" class="dsq-comment-message">@ Excess<br><br>1. The only way to generate a capital loss in your Roth IRA is to liquidate all your Roth IRA holdings, not just the 2008 contribution.  If that is your only one, then you may be entitled to take the loss.  Based on your second question, it looks as though you will not be entitled to the loss.<br><br>2. The investment/brokerage firm should be able to figure out what is the current value of the $5000 2008 contribution.   The current depreciated value is all you have to take out.  For example, if what you invested in is only worth $3000 today, $3000 is all you have to take out.<br><br>@ Jerald<br><br>You have to convert in the "calendar" year not the tax year, so you missed the boat for 2008.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317233">\
	 <div id="dsq-comment-header-21317233" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317233" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317233">Pat</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317233" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317233" class="dsq-comment-message">I realize now that you have to have EARNED income to make a contribution to a Roth or regular IRA. Is that also true for a non deductible IRA?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317234">\
	 <div id="dsq-comment-header-21317234" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317234" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317234" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317234" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317234" class="dsq-comment-message">@ Pat<br><br>Yes, same rule applies.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317235">\
	 <div id="dsq-comment-header-21317235" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317235" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317235">Josh</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317235" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317235" class="dsq-comment-message">I contributed $5000 to my Roth IRA in 2008 and have maxed out my contributions over the last 6 years.  In January of 2009, I needed some cash to refinance my house and withdrew $8000 from my Roth IRA.  I am now in a position to again contribute to my Roth.  My question is - how much can I now contribute...in both 2008 and 2009?  <br><br>If I act before April 15th, can I pay the $8000 back, which would result in a net 2008 contribution of $5000?  <br><br>Or since the withdrawal took place in 2009, does that effect my 2009 contribution limit?  Can I then contribute $13000 in 2009, which results in a net 2009 contribution of $5000?  <br><br>Or am I not allowed to pay back withdrawals?  Then, I would be considered maxed out in 2008 and the most I could contribute in 2009 is $5000.  <br><br>I\'m in a unique positon and can\'t sem to find any answers.  Please advise.  Thanks</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317236">\
	 <div id="dsq-comment-header-21317236" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317236" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317236" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317236" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317236" class="dsq-comment-message">@ Josh<br><br>That is a very unique situation.  When you take a distribution from an IRA, you have what\'s called the 60 day "borrow rule"  <a href="http://www.goodfinancialcents.com/borrowing-against-your-ira" rel="nofollow">http://www.goodfinancialcents.com/borrowing-aga...</a>.  Keep in mind that\'s 60 days from when you took the distribution.  If you are looking to replenish the funds you  withdrew, I suggest you deposit them immediately.    That means that your 2008 contribution would be satisfied, but you would then need to deposit another $5k for your 2009 contribution.  <br><br>Hope that helps!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317237">\
	 <div id="dsq-comment-header-21317237" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317237" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317237">Forrest &amp;amp; Jennifer</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317237" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317237" class="dsq-comment-message">Jeff, great stuff here.  Quick question: have a Roth IRA and contribute the max of $5K and understand that you CAN in fact contribute to both a Roth IRA and a traditional IRA as long as the total does not exceed $5K, but would a "non-deductible IRA" count as part of the $5K limit or not?  I would like to be able to do the $5K Roth &amp; $5K non-deductible IRA with an eye towards converting the non-deductible to my Roth in 2010.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317238">\
	 <div id="dsq-comment-header-21317238" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317238" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317238" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317238" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317238" class="dsq-comment-message">@ Forrest and Jennifer<br><br>You are correct on the ability to contribute to both a Roth and traditional so as long as you don\'t exceed the $5k limit (for under the age of 50).  Unfortunately, the nondeductible IRA goes towards this as well.  So, no, you won\'t be able to do what you hoped.  I like the way you think though!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317239">\
	 <div id="dsq-comment-header-21317239" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317239" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317239">Archer</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317239" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317239" class="dsq-comment-message">Jeff - <br>this is a weird situation that I\'ve not seen addressed elsewhere.  I contributed the fully-allowable $5K to my ROTH IRA in 2008.  Then, to make a long story short, my husband was bought out of his job in late 2008 - which resulted in an unexpected flurry of stock options exercised, retention bonuses earned, etc.  This windfall caused his annual earnings to exceed that of the ROTH contribution threshhold.<br><br>We realize that basically the $5k contributed to my ROTH is considered to be an excess contribution - and that there will be an income tax penalty on that money.  Our thoughts were to take the $5K that was contributed in 2008 out of the ROTH and then open up a Traditional IRA.  Is that allowable???  I\'m having difficulty finding any information about doing this - everything I\'m finding seems to be about converting Traditional funds to ROTH!<br><br>Thanks!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317242">\
	 <div id="dsq-comment-header-21317242" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317242" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317242">Bill</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317242" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317242" class="dsq-comment-message">Just to give you a quick answer.... I had a similar scenario in 2006. I had already contributed to my Roth IRA, then sold 2000 shares of  (previous) company stock..... putting me OVER the income limit for the Roth IRA..... What I had to do and what you will need to do is called a "recharacterization" of the funds, basically taking the contributions for 2008 FROM your Roth IRA and placing them into a Traditional IRA. It\'s actually a pretty simple process, but I THINK the recharacterization MUST take place before April 15 of this year!!!<br> Jeff can fill you in with the details in case I\'ve left anything out.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317254">\
	 <div id="dsq-comment-header-21317254" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317254" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317254">Ben</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317254" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317254" class="dsq-comment-message">What IRS forms do you need to file if you do a recharacterization? In some places I\'m seeing a 8606 and in others a 1099.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317241">\
	 <div id="dsq-comment-header-21317241" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317241" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317241">Patrick</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317241" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317241" class="dsq-comment-message">Jeff,<br>      I have taken an 80% loss on my total ROTH this past year.  Here is my question.  If I close out my ROTH to take the tax loss can I then add an additional $5000 to a new ROTH account for 2008 tax year or can I add the $5000 to a traditional IRA instead for year 2008 if my agi makes it possible or will I instead have to allocate it to 2009 tax year.  Second question, am I able to take the loss on my 2008 taxes since it is after December 31 or does the IRA use the April 15 date of the next year as a closing date for these purposes and I will have to wait till next tax year to file this loss?<br><br>Thanks</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317243">\
	 <div id="dsq-comment-header-21317243" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317243" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317243" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317243" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317243" class="dsq-comment-message">@ Archer.  Bill is right on.  That\'s exactly what you need to do.  <br><br>@ Patick.  Same as Archer\'s Situation.  Once you made a contribution to the IRA, that\'s your contribution for the year. The IRS will have a record of the contribution so you would not be able to cash out and recontribute.   To take a loss you would have had to cash out in the calendar year, not the tax year. You are still able to do a recharacterization, keeping in mind that it will only be for the current value.  <br><br>The only way you would be able to take a loss would be to completely cash out your total IRA balances which wouldn\'t make sense if you plan on contributing for 2009.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317245">\
	 <div id="dsq-comment-header-21317245" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317245" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317245">ed DaMan</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317245" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317245" class="dsq-comment-message">Great info!  I\'m married, filing jointly.  My wife has no income apart from mine.  Are we (together) limited to the $5,000 limit on Roth IRA contributions?  Can we put in $10,000 together in a single Roth...or could we each contribute $5k to a Roth?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317246">\
	 <div id="dsq-comment-header-21317246" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317246" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317246">Mike</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317246" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317246" class="dsq-comment-message">Jeff:<br><br>My situation is similar to Patrick\'s with a twist.  If I have a Roth 401(k) and a Roth IRA, do I need to cash both out in order to take a tax loss or can I just cash out the Roth IRA?  Obviouly, I\'d rather not do this at all but other circustances may require me to do this for 2009.<br>Thanks!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317247">\
	 <div id="dsq-comment-header-21317247" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317247" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317247" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317247" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317247" class="dsq-comment-message">@ MIke.  You should be good on the Roth 401k.  Although they both have "Roth" in them, the are technically both covered under different IRS code.  <br><br>@ ed DaMan  Provided you don\'t exceed the income phaseout limits (phaseout begins at $166,000), you could then make a Roth contribution on each other\'s behalf.  The would have to be separate, because they are Roth "Individual" Retirement Accounts.   But as long as you have income that exceeds 10k, you are allowed to open an IRA for your nonworking spouse.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317257">\
	 <div id="dsq-comment-header-21317257" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317257" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317257">Jeff in CA</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317257" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317257" class="dsq-comment-message">@ Jeff Rose re: ed DaMan\'s situtation.  <br><br>Assume same circumstances and not exceeding the income phaseout limits, EXCEPT the wife is self-employed making about $10,000 for the year and puts the maximum that she can into an Individual 401(k).  <br><br>My understanding is that she can still contribute up to the maximum annual limit to her Roth IRA without regard to her 401(k).  The total of all contributions to Roth IRAs and individual 401(k) is less than the earned income of the couple.  <br><br>Do you also see it that way?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317258">\
	 <div id="dsq-comment-header-21317258" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317258" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317258" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317258" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317258" class="dsq-comment-message">@ Jeff in CA (Nice name by the way)<br><br>If I think I interpret your question correctly, your wife is self-employed and contributes her entire income into an individual 401k (I interpret that as a solo-401k), so in effect she reports no income.   As long as your income doesn\'t exceed the phaseout limits then she\'ll be able to have a Roth based on your income.  <br><br>Another way of answering your last question is that the most an individual can invest into all retirement plans (without advanced planning) is $49,000.  That\'s Roth IRA, SEP IRA\'s, Solo- 401k\'s, etc.     I think I answered your question, if not give me another shot.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317260">\
	 <div id="dsq-comment-header-21317260" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317260" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317260">Jeff in CA</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317260" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317260" class="dsq-comment-message">You interpreted that as I intended.  And that was exactly my question.  Thanks for your answer!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317262">\
	 <div id="dsq-comment-header-21317262" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317262" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317262">Jim</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317262" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317262" class="dsq-comment-message">As a variation of ed DaMan\'s question, my wife and I are both over age 60.  I earned $1,000 and she $10,500 in year 2008.  She can make a 2008 contribution of $6,000 to her Roth IRA .  Can I "use" the remaining earned income "balance" and contribute $5,500 to my Roth IRA or do I have to limit my contribution to $1,000??<br>  Does a $12,000 earned income minimum, if both are over age 50, come into play since we are both over 60??<br>  Our MAGI for year 2008 is less than $149,000.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317248">\
	 <div id="dsq-comment-header-21317248" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317248" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317248">Archer</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317248" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317248" class="dsq-comment-message">Jeff and Bill - <br><br>thank you so much for the info - I appreciate it!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317249">\
	 <div id="dsq-comment-header-21317249" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317249" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317249">George</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317249" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317249" class="dsq-comment-message">I do not have any IRA plans. Could you provide a link where I can see differences between Roth and Traditional, and what should I do after a choosing a plan? <br>Thank you</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317251">\
	 <div id="dsq-comment-header-21317251" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317251" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317251" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317251" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317251" class="dsq-comment-message">George: Check Consumerism Commentary again tomorrow morning after 8:00 am ET. I will have an article describing the differences between Roth and Traditional and some tips for getting started.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317252">\
	 <div id="dsq-comment-header-21317252" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317252" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317252">Jeremy</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317252" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317252" class="dsq-comment-message">Do capital gains in a traditional IRA count against the limit you\'re allowed to invest each year?  i.e., I overinvested accidently, so now I need to remove some before April 15th.  1) Am I going to get penalized for removing my excess (can I do anything I want with that money, or do I have to turn around and put it in another investment account?).  2)  Do I have to take into account the capital gains when I\'m looking at how much excess to remove (say I invested $6000 instead of my limit of 5000, then I got capital gains of $90... for a total of $6090 in my account in 2008...  do I need to remove $1000 or $1090)?<br><br>Thanks.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317255">\
	 <div id="dsq-comment-header-21317255" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317255" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317255">Lamar</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317255" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317255" class="dsq-comment-message">I understand you need earned income to invest in a Roth IRA.  Does severance pay and unemployment benefits consider as earned income?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317259">\
	 <div id="dsq-comment-header-21317259" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317259" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317259" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317259" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317259" class="dsq-comment-message">@ Lamar.  Severance pay is.  Unemployment is not.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317256">\
	 <div id="dsq-comment-header-21317256" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317256" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317256">Alan</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317256" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317256" class="dsq-comment-message">I am married and filed jointly.  In 2007 I received a distribution from a deferred compensation plan - box 11 contains same amount as box 1 on W2 for 07.  My wife made $708 earned income.  I contributed what I now believe is an excess amount of $5000 into my and $5000 into my wife\'s IRA accounts and purchased stocks.  The stocks are now worth about $3500.  I have not yet filed my 08 return.<br><br>What should I do....<br><br>1.  Withdraw $5000 from my and $5000 from my Wife\'s account.  Do I need to sell the securities.<br><br>2.  Withdraw $4292 from each account as my wife made $708.  Do I need to sell the securities.<br><br>3.  Can I leave the securities there and pay the penalty 6% and consider the excess as non-deductible<br>     contribution<br><br>Are there other options.........Thanks a lot</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317261">\
	 <div id="dsq-comment-header-21317261" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317261" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317261">Excess in Roth IRA</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317261" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317261" class="dsq-comment-message">For 2008, I contributed to my Roth IRA account however I am not qualified to do so. Do I need to remove the excess before April 15th, 2009? Do I still need to file Form 8606 if the excess is removed? Will I be penalized for any capital gains in the Roth IRA account, even though the gains occur prior to 2008? I also contributed to 2009 as well, should I remove the excess or leave it since I don\'t know right now if I am qualified to make any contribution for 2009 or not? Thanks for the advice.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317263">\
	 <div id="dsq-comment-header-21317263" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317263" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317263">yanny</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317263" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317263" class="dsq-comment-message">hello!<br>I am Yanet and I am 19 years old. I do not understand about the Roth Ira\'s system, Can you explain me it please. Also, can you help me with the formulas to do it. thanks</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317264">\
	 <div id="dsq-comment-header-21317264" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317264" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317264">zhenka</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317264" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317264" class="dsq-comment-message">My husband over-contributed (by $4,000!) to his Roth tonight (4/15). By the time we discovered the error, it was too late to do anything about it online or by phone. Will he have a 6% penalty on the excess contribution?  Can he move the excess to a regular IRA on 4/16, or convert some to a 2009 contribution?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317265">\
	 <div id="dsq-comment-header-21317265" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317265" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317265">Dan W</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317265" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317265" class="dsq-comment-message">I\'m self-employed and make regular contributions to a SEP up to the allowable 10% limit.  Am I able to make additional contributions to a traditional IRA?  Are there any "SEP/Traditional combination" limits?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317266">\
	 <div id="dsq-comment-header-21317266" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317266" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317266">tom</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317266" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317266" class="dsq-comment-message">My wife has no income.  We\'re both over 55, filing jointly with income well in excess of the $166,000 IRS IRA limits.  I can contribute $6,000 to my conventional IRA but can I contribute the same to hers?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317267">\
	 <div id="dsq-comment-header-21317267" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317267" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317267" href="http://www.your-roth-ira.com/" target="_blank" rel="nofollow">Britt</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317267" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317267" class="dsq-comment-message">@Tom – Yes, both you and your wife (as long as she’s over 50 years old as well) can contribute the maximum of $6,000.  The contributions can not be tax deductible if your MAGI is in excess of $176,000.<br>However, in 2010, the income limits on Roth IRA conversions disappear.<br><br>So next year, you can convert this year’s Traditional IRA to Roth IRA and realize the benefits of a Roth.  However, please note that if you’ve made past tax deductible contributions to a Traditional IRA, those contributions will have a taxable impact on your conversion even if they aren’t a part of the conversion you undertake…<br><br>Why?<br><br>Since the IRS views your IRA as a single IRA (even though it may be spread across multiple separate financial accounts), it treats the contributions on a partial conversion as a percentage of the whole.  So if 50% of your contributions were tax deductible and the rest weren’t, your conversion will be taxed accordingly, even if the converted funds were non-tax deductible themselves.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317268">\
	 <div id="dsq-comment-header-21317268" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317268" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317268">Sandra</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317268" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317268" class="dsq-comment-message">I have funds in a Roth IRA from 2006-7 contributions (I made less than 100k ) but I made more than 120k (single) in 2008 and will in 2009, as well. I am not contributing to my Roth IRA any more but I do have a portion of my 401k deductions to a Roth IRA (which I\'ve heard is okay as there are no income limits to contribute to a 401k Roth IRA?) Questions:<br><br>1. Is it okay that I leave the funds in the Roth IRA now that I make more than 120k? <br>2. Can/should I convert any of my traditional IRA funds to Roth IRA? Does the income limitation apply to conversions as well?<br>3. Is it okay for me to contribute to a 401k Roth IRA? What is the limit - if any? Is there really a difference on income limits on Roth IRA vs. 401k Roth IRA?<br><br>Thanks!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317269">\
	 <div id="dsq-comment-header-21317269" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317269" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317269" href="http://www.your-roth-ira.com/" target="_blank" rel="nofollow">Britt</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317269" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317269" class="dsq-comment-message">@Sandra – I’ll try to answer each of your questions as you’ve asked them…<br><br>1. Yes.  It’s okay to leave the funds you’ve already contributed to your Roth in your Roth IRA even though you now earn more than the Roth IRA income limits allow.  The income limits are for making NEW contributions.  So you can leave your Roth IRA funds alone to grow tax free forever!<br><br>2. The question of whether or not you should convert your Traditional IRA to a Roth is more of a personal question.  Consult a tax advisor to find out what the advantages and disadvantages are for your particular situation.  As for income limits, in 2010, all income limits for making a Roth IRA conversion disappear.  So that should NOT be a problem.<br><br>3.  There is no income limit for making contributions to a Roth 401k.  Your contribution is treated under the same rules as a regular 401k contribution except that its made with after-tax funds (it’s not tax deductible).  And, of course, your withdrawals in retirement are tax free.<br><br>Here’s what the IRS website states in regard to the Roth 401k:<br><br>“Do the same income restrictions that apply to Roth IRAs apply to designated Roth contributions?<br><br>No, there are no limits on an employee’s income in determining if he or she can make designated Roth contributions. Of course, the employee has to have salary from which to make any 401(k) or 403(b) deferrals.”<br><br>I hope this information helps.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317270">\
	 <div id="dsq-comment-header-21317270" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317270" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317270">christy</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317270" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317270" class="dsq-comment-message">I want to convert $20,000 from tradional IRA to ROTH IRA. I know I will have to pay taxes on the money. Will it be taxed at the same rate as my earned income for 2009 ? Will I still be able to<br>make a contribution to my ROTH IRA for 2009 ? Do I have to convert the whole amount or a little at a time ? Is there a time limit on converting from standard IRA to ROTH IRA ? thank you</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317271">\
	 <div id="dsq-comment-header-21317271" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317271" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317271" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317271" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317271" class="dsq-comment-message">@ christy<br><br>If you convert in 2009, yes you will be subject to the same tax rate as your earned income for the year.  <br><br>If your earned income does not exceed the Roth IRA phaseout limits, you can still contribute to a Roth IRA.  The conversion will have no affect.<br><br>You can convert as little or as much as you want.  There is no rule on this or any time limit.<br><br>I have some more information on the Roth IRA conversion here:<br><br><a href="http://www.goodfinancialcents.com/2010-roth-ira-conversion-rules/" rel="nofollow">http://www.goodfinancialcents.com/2010-roth-ira...</a>  and <a href="http://www.goodfinancialcents.com/roth-ira-conversion-traditional-401k-2010/" rel="nofollow">http://www.goodfinancialcents.com/roth-ira-conv...</a><br><br>The whole process can be tricky.  Make sure you have a tax professional helping you every step of the way ;-)</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317275">\
	 <div id="dsq-comment-header-21317275" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317275" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317275">Bob Howard</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317275" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317275" class="dsq-comment-message">Are IRA  distributions  taxable this year--2009? I heard a rumor they arent because of the state of the economy.<br>Bob Howard</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317272">\
	 <div id="dsq-comment-header-21317272" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317272" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317272">Marcus</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317272" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317272" class="dsq-comment-message">I am not sure if you answered this before but if I am contributing monthly to my roth ira and do well in my business this year (make 200K +), how do I recharacterize my roth ira (including the gains that I have already made this year) to an IRA that I might qualify for.  I work with Fidelity.  Would they have a form to transfer to a different account?  How exactly is this taken care of?<br><br>Thanks,<br><br>Marcus</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317273">\
	 <div id="dsq-comment-header-21317273" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317273" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317273">SL</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317273" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317273" class="dsq-comment-message">I just realized that I made excess contributions to my IRA accounts for tax year 2008. I\'m only allowed 5K but I contributed 4K to a traditional IRA account as well as 2K to Roth IRA account. What is the best way to correct this with minimum tax penalty?<br><br>Thanks,<br>SL</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317274">\
	 <div id="dsq-comment-header-21317274" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317274" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317274">Scott</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317274" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317274" class="dsq-comment-message">I just STOPPED contributing to my 401k at work and opened a Roth IRA on my own instead.  I\'m 43 and make $36,000/year.  I contributed about $3000 to my 401k for 2009.  How much can i contribute to my new Roth IRA for 2009?  Does the 401k have anything to do with the limit?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317276">\
	 <div id="dsq-comment-header-21317276" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317276" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21317276">SKN</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317276" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317276" class="dsq-comment-message">I currently have $11,000 in my traditional ira and am thinking of converting to a roth ira.  Since I\'ve already contributed $4,000 to my traditional which is deductible, does that net with the $11,000 I\'m converting? So that at the end of the year, I\'ll only have to pay taxes on $7,000? Is that how it works?<br><br>Thanks!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21317277">\
	 <div id="dsq-comment-header-21317277" class="dsq-comment-header">\
	 <cite id="dsq-cite-21317277" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21317277" href="http://www.goodfinancialcents.com/" target="_blank" rel="nofollow">Jeff Rose</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21317277" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21317277" class="dsq-comment-message">@ SKN<br><br>Instead of attempting to explain, check out a post I did that walks you through the conversion process:  <a href="http://www.goodfinancialcents.com/2010-traditional-ira-to-roth-ira-conversion-tax-rules/" rel="nofollow">http://www.goodfinancialcents.com/2010-traditio...</a><br><br>Let me know if you have any other questions.</div>\
	 </div>\
	 </li>\
	 </ul>\
';

(function() {
	
	





Dsq.Debug.profile(function() {
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	}
	Dsq.$(Dsq.curPageId).innerHTML = Dsq.$(Dsq.curPageId).innerHTML.replace(Dsq.COMMENTS_RE, Dsq.CommentsHandler);
}); // Dsq.Debug.Profile

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


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

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

	
	

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

	Dsq.Popup.showCookieMsgs();

	
	if(document.location.search != '' && location.hash != '#disqus_thread') {
		var reply_id = Dsq.Utils.getRequestParams().dsq;
		if(reply_id) { document.location.hash = 'comment-' + reply_id; }
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	if((typeof OB_Script != 'undefined') && (typeof OB_versionNum != 'undefined')) {
		if(navigator.userAgent.indexOf("Firefox") != -1) {
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				window.frames['dsq-reply-frame'].location = Dsq.Urls.REPLY + (new Date()).getTime() + '&f=consumerismcommentary&t=traditional_and_roth_ira_contribution_limits_for_2009&to_redirect=' + encodeURIComponent(window.location) + '&ifrs=' + encodeURIComponent(disqus_iframe_css);
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	window.ExecuteWhen = (function () {
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	// Private
	var running = false;
	var timer = null;
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		timer = setInterval(obj.heartBeat, 100);
	};
	var stopTimer = function() {
		running = false;
		clearInterval(timer);
	};
	
	// Public
	obj.add = function (condition, code) {
		pending.push([condition,code]);
		this.heartBeat(); //!
		if (!running) {
			startTimer();
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	};
	obj.heartBeat = function() {
		if (!pending.length) {
			stopTimer();
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		var newPending = [];
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// also used in embed_thread.js:
window.fbIsReady = function () {return window.FB && FB.init;};
// NOTE: This script gets executed again without threadEl
//       set when we are loaded again as the fbc_receiver.
//       In this case, we don't need the hidden container.

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

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


	


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');
}

})();




