From: Subject: AlterNet: House 'Under Water'? Do Like the Banks Do and Just Walk Away Date: Wed, 19 Aug 2009 11:56:37 -0700 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01CA20C4.1B45AB70" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.5579 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01CA20C4.1B45AB70 Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.alternet.org/module/printversion/142032 =EF=BB=BF AlterNet: House 'Under Water'? Do Like the Banks Do = and Just Walk Away

3DAlterNet

House 'Under Water'? Do Like = the Banks Do=20 and Just Walk Away

By Scott Thill, = AlterNet
Posted on=20 August 19, 2009, Printed on August 19,=20 2009
http://www.alternet.org/story/142032/

"There's class warfare, all right, but it's my class, the = rich=20 class, that's making war, and we're winning." -- Warren Buffett

Here's a terrible new twist to a housing meltdown tortured by = too many=20 of them. Banks are refusing to take possession of houses after the = foreclosure process because of the prohibitive cost, from legal to = maintenance fees, of being stuck with the same worthless mortgages = with=20 which they've saddled American homeowners.

It's a problem of their own making: Foreclosures shot up 7 percent in July, and the = rate is=20 nearly a third higher than this time last year. There is no end in = sight.=20 That's led to increased homeowner abandonment of their properties, = which=20 in turn has led to escalating blight that has depressed property = values=20 and tax revenues even further.

By 2011, around half of the mortgages in the shell-shocked = United=20 States could be underwater, which is a softball = euphemism for=20 utterly worthless. The financial industry is well known for such = empty=20 metaphors -- including "class warfare," ably dissected above by = Berkshire=20 Hathaway billionaire Warren Buffet. That's because they are easier = to=20 stomach than the purposefully labyrinthine, fearsomely = destabilizing=20 details.

Take "jingle mail," for instance, industry-speak for = homeowners=20 who mail back their keys and purposefully walk away from lenders who have = left them to=20 drown underwater; that is, with homes whose market value is = significantly=20 below their mortgage debt.

It's a cute euphemism for such a fucked-up state of affairs = engineered=20 by the financial industry, and its colluders in the government and = media.=20 Greased by a thoroughly unregulated over-the-counter derivatives = market=20 that is fast approaching $600 trillion (that is not a = typo) and=20 now under investigation for antitrust trading, Bank of America, = J.P.=20 Morgan Chase, Citigroup, Goldman Sachs and other titans of Wall = Street=20 seized the opportunity to lock homeowners into unfair mortgages = that could=20 ruin their balance sheets, and the American economy, for good.

Sure, they should have known what they were getting into, but = when is=20 the last time you read your pages-long disclosure contracts on = your home=20 or credit card? Derivatives thrive on such mind-numbing = complexity, which=20 is why the financial press and industry continually lionizes = bankers like=20 Merrill Lynch's John Thain, whose firm lost billions and had to be = acquired by Bank of America to stave off a systemic economic = collapse, "as=20 the smartest guy[s] in the room."

And even they don't know, or are just fine with not knowing, = all the=20 details of their dense financial contracts: When Federal Reserve = Chairman=20 Ben Bernanke was asked by Rep. Alan Grayson, D-Fla., where $500 = billion of=20 American taxpayer money exported by the Federal Open Market = Committee to=20 foreign central banks went, his response was probably the same as = most=20 homeowners asked about the details of their mortgage contracts: "I = don't=20 know."

This is why Buffet called derivatives "financial weapons of = mass=20 destruction," a more apt euphemism for an industry in love with=20 depersonalized terminology.

So the argument that homeowners should intimately know the = twists and=20 turns of their mortgage contracts, most of which are designed to = lock them=20 into debt for a very long time, is disingenuous, at the least.

Especially when it is the banks who locked them into those = contracts,=20 rather than the supposedly cold, calculating jingle-mailers that are = walking away=20 from houses the banks marketed, sold and then foreclosed, only to = leave=20 them with stunned homeowners who find they're liable for tens or = hundreds=20 of thousands of dollars in city fees.

"It is just bone stupid," the Center = for=20 Responsible Lending's Kathleen Day told AlterNet by = phone.=20 "Banks foreclose on families, kick them out of their houses, which = puts=20 even more people underwater. And then they walk away from those = same=20 houses. It's almost like a sitcom, but it's a situation = tragedy."

The tragedy has gone viral. Small and large banks across the = country=20 have punted these compromised mortgages, often located in cities = sundered=20 by the housing bubble like Buffalo, N.Y., Cleveland and = others.

The banks' reason is simple enough: They're not worth anything = to them=20 either. A sobering analysis from the Cleveland Plain=20 Dealer calls those mortgages "toxic titles," but the problem = is=20 beyond terminology now.

In an enlightening piece, the Milwaukee-Wisconsin Journal=20 Sentinel locally "found more than $400,000 in back taxes, = fees and=20 demolition costs owed on nearly three dozen properties that = lenders=20 foreclosed on in the past two years but didn't complete the = process," with=20 many more to come.

In other words, banks aren't just walking away from homeowners, = after=20 leading them through Kafkaesque foreclosure suits and pocketing = fees for=20 it. They're also walking away from their practically bankrupted = cities,=20 which are slowly swelling with abandoned, vandalized and = otherwise-ruined=20 properties, further depressing their already-broken local = economies. But=20 even though the disturbing and nearly impossible-to-trace practice = has=20 gone viral, it has nevertheless been ignored.

"We really are not up on any of this," American Bankers = Association=20 spokesman Jim Eberle said by phone to AlterNet. "We = really don't=20 know about that happening in the banking industry. I don't think = we really=20 want to be in your story, because we really don't know enough = about what's=20 happening and which lenders and servicers are possibly doing this = sort of=20 thing. We really don't have a handle on it, if it is going = on."

For those keeping score, that's three "We don't know" = qualifiers in=20 three straight sentences, but Eberle's financial services = organization is=20 evidently not alone in its ignorance. Representatives I spoke with = by=20 phone and e-mail from the National Association of Mortgage Brokers = and=20 Mortgage Bankers Association refused to go on record with=20 AlterNet about the trend. To be fair, even Day's Center = for=20 Responsible Lending hasn't looked at the problem in depth.

These deafening silences, compounded by inscrutable mortgage = legalese,=20 compels underwater homeowners, bogged down by maddening fine print = on=20 worthless mortgages parceled out in bad faith, to do something = that many=20 of them would probably rather not do, which is run.

Run like hell.

Of course, if homeowners could, like corporations, declare = bankruptcy=20 and allow judges to modify their contracts -- a process called=20 cramdown (another hilarious econo-term) -- then they would = arguably be=20 able to pay off their debts, stay in their homes and make their = lenders=20 happy. But it is those very lenders who not only successfully = lobbied=20 against allowing bankruptcy judges to take over mortgage terms, = but also=20 have steadfastly refused to do so themselves.

The Obama administration, which publicly and lamely passed on the opportunity = to take a=20 stand on a cramdown amendment floating through the Senate in May, = has=20 supposedly tried to pull its head of the sand on this issue. It = has promised to publicly disclose which mortgage = servicers=20 and lenders, who are receiving $50 billion in subsidies, are = failing to=20 live up to their agreements with the White House to stem the foreclosure bloodbath.

"Right now," Day explained, "bankruptcy judges can modify any = contract=20 but mortgages. They can modify everything but the roof over your = head.=20 When Obama first proposed his plan, there were lots of carrots but = one=20 stick: Bankruptcy modification."

But that agreement, named the Homeowners=20 Affordability and Stability Plan, has so far given less than = 10=20 percent of delinquent borrowers a break, with few banks modifying = at all=20 and some modifying even less.

According to the Washington Post, J.P. = Morgan=20 Chase has modified 20 percent of its borrowers, Morgan Stanley's = Saxon=20 Mortgage Services has modified 25 percent, Citigroup has modified = 15=20 percent, Wells Fargo has modified 6 percent and Bank of America, = probably=20 the worst of all economic offenders (next to the unrepentantly greedy Goldman Sachs, that is) = has modified=20 a paltry 4 percent.

That's pretty ridiculous for a financial services organization = that, as=20 the Washington Post article explained, told at least one = denied=20 homeowner that it wasn't participating in Obama's plan, although = it was.=20 This is the same cutthroat bank that bought = mortgage-fraud poster=20 boy Countrywide and the failing Wall Street powerhouse Merrill = Lynch,=20 perhaps to help both avoid bankruptcy due to balance sheets filled = with=20 toxic titles.

In fact, Bank of America's buyout of Thain's Merrill Lynch was = such a=20 secretive process that it reportedly compelled Henry Paulson -- = former=20 Treasury secretary, Goldman Sachs CEO and mentor to Thain -- to shred what ethics guidelines the Bush = administration had=20 left in its shock-doctrine portfolio.

The same Bank of America that, according to investors and federal prosecutors, = abetted=20 Ponzi schemer Nicholas Cosmo, who sucked over $400 million dollars = out of=20 their pockets. The same bank that can't even persuade a judge to = allow a=20 supposedly simple $33 million settlement with the = Securities and=20 Exchange Commission, because of lies tied to bonuses handed over = during the=20 Merrill Lynch takeover. The same bank ... well, do I really need = to go=20 on?

Because of lying entities like these, cramdown died a painful = death,=20 even though it could have saved everyone's sorry asses, from = homeowners=20 who can't read their mortgage contracts to corrupt lenders who, = pardon the=20 pun, bank on it.

And that's left us with this ugly game of toxic potato, where = banks and=20 homeowners pass around the plutonium-enriched house until it = detonates in=20 the city's lap as one more vandalized money pit that needs to be=20 bulldozed. Throw in the fact that each state has its own = circuitous way of=20 executing such extreme displays of financial chess, and you have a = scenario ripe for disorder.

"There's not any true uniformity," Eberle explained of the = state of=20 American foreclosures and disclosures. "I'm guessing that each = state has a=20 different method and timetable involved. There are some states = that allow=20 the lender to go back to the homeowner to make up the difference = on what's=20 owed on the mortgage and what's been received on the foreclosure = auction.=20 If you don't get bidders, the mortgage lender or the bank would = typically=20 bid as much as the property is worth.

"But whether it is the banks or the lenders, once they = foreclose on a=20 property, they own it. And they're obligated to take care of the = property,=20 in many cases, by city, county and state laws."

Of course, that's the conventional legalese that has been = turned on its=20 head by increasing bank walkaways, whose math has been found = challenging,=20 to say the least.

In July, New York State Attorney General Andrew Cuomo reported that J.P. Morgan, Merrill = Lynch,=20 Goldman Sucks -- does a day go by without a reason to hate them? -- and more banks = receiving=20 bailout billions from taxpayers via Paulson and George W. Bush's = ludicrous=20 Troubled Asset=20 Relief Program handed out more in bonuses last year than they = received=20 in earnings.

It doesn't take a mathematician to realize that a bank like = J.P. Morgan=20 Chase, which made $5.6 billion but paid out $8.69 billion in = bonuses is=20 grifting the American people of at least some of the $25 billion = it took=20 from their pockets. These are banks, after all, that will possibly = collect=20 $38 billion in overdraft fees alone this = year.

Given those numbers, it also doesn't take a political = scientist, or a=20 Federal Reserve chairman, to divine that an underwater homeowner = wouldn't=20 be well within his or her rights to tell those banks to, in the = words of=20 that great American poet Dick Cheney, go fuck themselves.

Which is what they should do, right? No, says Day and the CRL, = advice=20 that every bank in the nation -- ones not currently being seized, that is -- probably = agrees=20 with.

"The bottom line is, if you walk away, it really hurts your = credit=20 rating," she argued. "The credit card companies will use any = excuse to=20 raise your interest rates. You're walking away from any money you = put into=20 the house. If you can't afford the payments, and the lenders are=20 negotiating in bad faith, there's no pretty picture. But walking = away=20 wouldn't be our first choice.

"If homeowners can do it another way, that's always better. = What if=20 they can get a modification? if they can stay in their house, then = they=20 can rebuild their equity. People are getting jerked around in all = kinds of=20 ways, but if they can stick through it, they should."

Scott Thill runs the online mag Morphizm.com. His writing = has appeared=20 on Salon, XLR8R, All Music Guide, Wired and others.

=C2=A9 2009 Independent Media = Institute. All=20 rights reserved.
View this story online at:=20 = http://www.alternet.org/story/142032/
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var dc=3D_ubd.cookie; _udh=3D_uDomain(); _uu=3DMath.round(Math.random()*2147483647); _udt=3Dnew Date(); _ust=3DMath.round(_udt.getTime()/1000); a=3Ddc.indexOf("__utma=3D"+_udh); b=3Ddc.indexOf("__utmb=3D"+_udh); c=3Ddc.indexOf("__utmc=3D"+_udh); if (_udn && _udn!=3D"") { _udo=3D" domain=3D"+_udn+";"; } if (_utimeout && _utimeout!=3D"") { x=3Dnew Date(_udt.getTime()+(_utimeout*1000)); x=3D" expires=3D"+x.toGMTString()+";"; } if (_ulink) { if (_uanchor && _udlh && _udlh!=3D"") s=3D_udlh+"&"; s+=3D_udl.search; if(s && s!=3D"" && s.indexOf("__utma=3D")>=3D0) { if (!(_uIN(a=3D_uGC(s,"__utma=3D","&")))) a=3D"-"; if (!(_uIN(b=3D_uGC(s,"__utmb=3D","&")))) b=3D"-"; if (!(_uIN(c=3D_uGC(s,"__utmc=3D","&")))) c=3D"-"; v=3D_uGC(s,"__utmv=3D","&"); z=3D_uGC(s,"__utmz=3D","&"); k=3D_uGC(s,"__utmk=3D","&"); if ((k*1) !=3D ((_uHash(a+b+c+z+v)*1)+(_udh*1))) = {_ubl=3D1;a=3D"-";b=3D"-";c=3D"-";z=3D"-";v=3D"-";} if (a!=3D"-" && b!=3D"-" && c!=3D"-") f=3D1; else if(a!=3D"-") f=3D2; } } if(f=3D=3D1) { _ubd.cookie=3D"__utma=3D"+a+"; path=3D"+_utcp+";"+nx+_udo; _ubd.cookie=3D"__utmb=3D"+b+"; path=3D"+_utcp+";"+x+_udo; _ubd.cookie=3D"__utmc=3D"+c+"; path=3D"+_utcp+";"+_udo; } else if (f=3D=3D2) { a=3D_uFixA(s,"&",_ust); _ubd.cookie=3D"__utma=3D"+a+"; path=3D"+_utcp+";"+nx+_udo; _ubd.cookie=3D"__utmb=3D"+_udh+"; path=3D"+_utcp+";"+x+_udo; _ubd.cookie=3D"__utmc=3D"+_udh+"; path=3D"+_utcp+";"+_udo; _ufns=3D1; } else if (a>=3D0 && b>=3D0 && c>=3D0) { _ubd.cookie=3D"__utmb=3D"+_udh+"; path=3D"+_utcp+";"+x+_udo; } else { if (a>=3D0) a=3D_uFixA(_ubd.cookie,";",_ust); else a=3D_udh+"."+_uu+"."+_ust+"."+_ust+"."+_ust+".1"; _ubd.cookie=3D"__utma=3D"+a+"; path=3D"+_utcp+";"+nx+_udo; _ubd.cookie=3D"__utmb=3D"+_udh+"; path=3D"+_utcp+";"+x+_udo; _ubd.cookie=3D"__utmc=3D"+_udh+"; path=3D"+_utcp+";"+_udo; _ufns=3D1; } if (_ulink && v && v!=3D"" && v!=3D"-") { v=3D_uUES(v); if (v.indexOf(";")=3D=3D-1) _ubd.cookie=3D"__utmv=3D"+v+"; = path=3D"+_utcp+";"+nx+_udo; } _uInfo(page); _ufns=3D0; _ufno=3D0; _uff=3D1; } urchinTracker(); function _uInfo(page) { var p,s=3D"",pg=3D_udl.pathname+_udl.search; if (page && page!=3D"") pg=3D_uES(page,1); _ur=3D_ubd.referrer; if (!_ur || _ur=3D=3D"") { _ur=3D"-"; } else { p=3D_ur.indexOf(_ubd.domain); if ((p>=3D0) && (p<=3D8)) { _ur=3D"0"; } if (_ur.indexOf("[")=3D=3D0 && = _ur.lastIndexOf("]")=3D=3D(_ur.length-1)) { _ur=3D"-"; } } s+=3D"&utmn=3D"+_uu; if (_ufsc) s+=3D_uBInfo(); if (_uctm) s+=3D_uCInfo(); if (_utitle && _ubd.title && _ubd.title!=3D"") = s+=3D"&utmdt=3D"+_uES(_ubd.title); if (_udl.hostname && _udl.hostname!=3D"") = s+=3D"&utmhn=3D"+_uES(_udl.hostname); s+=3D"&utmr=3D"+_ur; s+=3D"&utmp=3D"+pg; if (_userv=3D=3D0 || _userv=3D=3D2) { var i=3Dnew Image(1,1); i.src=3D_ugifpath+"?"+"utmwv=3D"+_uwv+s; i.onload=3Dfunction() {_uVoid();} } if (_userv=3D=3D1 || _userv=3D=3D2) { var i2=3Dnew Image(1,1); = i2.src=3D_ugifpath2+"?"+"utmwv=3D"+_uwv+s+"&utmac=3D"+_uacct+"&utmcc=3D"+= _uGCS(); i2.onload=3Dfunction() { _uVoid(); } } return; } function _uVoid() { return; } function _uCInfo() { if (!_ucto || _ucto=3D=3D"") { _ucto=3D"15768000"; } var = c=3D"",t=3D"-",t2=3D"-",t3=3D"-",o=3D0,cs=3D0,cn=3D0,i=3D0,z=3D"-",s=3D""= ; if (_uanchor && _udlh && _udlh!=3D"") s=3D_udlh+"&"; s+=3D_udl.search; var x=3Dnew Date(_udt.getTime()+(_ucto*1000)); var dc=3D_ubd.cookie; x=3D" expires=3D"+x.toGMTString()+";"; if (_ulink && !_ubl) { z=3D_uUES(_uGC(s,"__utmz=3D","&")); if (z!=3D"-" && z.indexOf(";")=3D=3D-1) { = _ubd.cookie=3D"__utmz=3D"+z+"; path=3D"+_utcp+";"+x+_udo; return ""; } } z=3Ddc.indexOf("__utmz=3D"+_udh); if (z>-1) { z=3D_uGC(dc,"__utmz=3D"+_udh,";"); } else { z=3D"-"; } t=3D_uGC(s,_ucid+"=3D","&"); t2=3D_uGC(s,_ucsr+"=3D","&"); t3=3D_uGC(s,"gclid=3D","&"); if ((t!=3D"-" && t!=3D"") || (t2!=3D"-" && t2!=3D"") || (t3!=3D"-" && = t3!=3D"")) { if (t!=3D"-" && t!=3D"") c+=3D"utmcid=3D"+_uEC(t); if (t2!=3D"-" && t2!=3D"") { if (c !=3D "") c+=3D"|"; = c+=3D"utmcsr=3D"+_uEC(t2); } if (t3!=3D"-" && t3!=3D"") { if (c !=3D "") c+=3D"|"; = c+=3D"utmgclid=3D"+_uEC(t3); } t=3D_uGC(s,_uccn+"=3D","&"); if (t!=3D"-" && t!=3D"") c+=3D"|utmccn=3D"+_uEC(t); else c+=3D"|utmccn=3D(not+set)"; t=3D_uGC(s,_ucmd+"=3D","&"); if (t!=3D"-" && t!=3D"") c+=3D"|utmcmd=3D"+_uEC(t); else c+=3D"|utmcmd=3D(not+set)"; t=3D_uGC(s,_uctr+"=3D","&"); if (t!=3D"-" && t!=3D"") c+=3D"|utmctr=3D"+_uEC(t); else { t=3D_uOrg(1); if (t!=3D"-" && t!=3D"") = c+=3D"|utmctr=3D"+_uEC(t); } t=3D_uGC(s,_ucct+"=3D","&"); if (t!=3D"-" && t!=3D"") c+=3D"|utmcct=3D"+_uEC(t); t=3D_uGC(s,_ucno+"=3D","&"); if (t=3D=3D"1") o=3D1; if (z!=3D"-" && o=3D=3D1) return ""; } if (c=3D=3D"-" || c=3D=3D"") { c=3D_uOrg(); if (z!=3D"-" && = _ufno=3D=3D1) return ""; } if (c=3D=3D"-" || c=3D=3D"") { if (_ufns=3D=3D1) c=3D_uRef(); if = (z!=3D"-" && _ufno=3D=3D1) return ""; } if (c=3D=3D"-" || c=3D=3D"") { if (z=3D=3D"-" && _ufns=3D=3D1) { = c=3D"utmccn=3D(direct)|utmcsr=3D(direct)|utmcmd=3D(none)"; } if (c=3D=3D"-" || c=3D=3D"") return ""; } if (z!=3D"-") { i=3Dz.indexOf("."); if (i>-1) i=3Dz.indexOf(".",i+1); if (i>-1) i=3Dz.indexOf(".",i+1); if (i>-1) i=3Dz.indexOf(".",i+1); t=3Dz.substring(i+1,z.length); if (t.toLowerCase()=3D=3Dc.toLowerCase()) cs=3D1; t=3Dz.substring(0,i); if ((i=3Dt.lastIndexOf(".")) > -1) { t=3Dt.substring(i+1,t.length); cn=3D(t*1); } } if (cs=3D=3D0 || _ufns=3D=3D1) { t=3D_uGC(dc,"__utma=3D"+_udh,";"); if ((i=3Dt.lastIndexOf(".")) > 9) { _uns=3Dt.substring(i+1,t.length); _uns=3D(_uns*1); } cn++; if (_uns=3D=3D0) _uns=3D1; _ubd.cookie=3D"__utmz=3D"+_udh+"."+_ust+"."+_uns+"."+cn+"."+c+"; = path=3D"+_utcp+"; "+x+_udo; } if (cs=3D=3D0 || _ufns=3D=3D1) return "&utmcn=3D1"; else return "&utmcr=3D1"; } function _uRef() { if (_ur=3D=3D"0" || _ur=3D=3D"" || _ur=3D=3D"-") return ""; var i=3D0,h,k,n; if ((i=3D_ur.indexOf("://"))<0) return ""; h=3D_ur.substring(i+3,_ur.length); if (h.indexOf("/") > -1) { k=3Dh.substring(h.indexOf("/"),h.length); if (k.indexOf("?") > -1) k=3Dk.substring(0,k.indexOf("?")); h=3Dh.substring(0,h.indexOf("/")); } h=3Dh.toLowerCase(); n=3Dh; if ((i=3Dn.indexOf(":")) > -1) n=3Dn.substring(0,i); for (var ii=3D0;ii<_uRno.length;ii++) { if ((i=3Dn.indexOf(_uRno[ii].toLowerCase())) > -1 && = n.length=3D=3D(i+_uRno[ii].length)) { _ufno=3D1; break; } } if (h.indexOf("www.")=3D=3D0) h=3Dh.substring(4,h.length); return = "utmccn=3D(referral)|utmcsr=3D"+_uEC(h)+"|"+"utmcct=3D"+_uEC(k)+"|utmcmd=3D= referral"; } function _uOrg(t) { if (_ur=3D=3D"0" || _ur=3D=3D"" || _ur=3D=3D"-") return ""; var i=3D0,h,k; if ((i=3D_ur.indexOf("://")) < 0) return ""; h=3D_ur.substring(i+3,_ur.length); if (h.indexOf("/") > -1) { h=3Dh.substring(0,h.indexOf("/")); } for (var ii=3D0;ii<_uOsr.length;ii++) { if (h.toLowerCase().indexOf(_uOsr[ii].toLowerCase()) > -1) { if ((i=3D_ur.indexOf("?"+_uOkw[ii]+"=3D")) > -1 || = (i=3D_ur.indexOf("&"+_uOkw[ii]+"=3D")) > -1) { k=3D_ur.substring(i+_uOkw[ii].length+2,_ur.length); if ((i=3Dk.indexOf("&")) > -1) k=3Dk.substring(0,i); for (var yy=3D0;yy<_uOno.length;yy++) { if (_uOno[yy].toLowerCase()=3D=3Dk.toLowerCase()) { _ufno=3D1; = break; } } if (t) return _uEC(k); else return = "utmccn=3D(organic)|utmcsr=3D"+_uEC(_uOsr[ii])+"|"+"utmctr=3D"+_uEC(k)+"|= utmcmd=3Dorganic"; } } } return ""; } function _uBInfo() { var sr=3D"-",sc=3D"-",ul=3D"-",fl=3D"-",je=3D1; var n=3Dnavigator; if (self.screen) { sr=3Dscreen.width+"x"+screen.height; sc=3Dscreen.colorDepth+"-bit"; } else if (self.java) { var j=3Djava.awt.Toolkit.getDefaultToolkit(); var s=3Dj.getScreenSize(); sr=3Ds.width+"x"+s.height; } if (n.language) { ul=3Dn.language.toLowerCase(); } else if (n.browserLanguage) { ul=3Dn.browserLanguage.toLowerCase(); } je=3Dn.javaEnabled()?1:0; if (_uflash) fl=3D_uFlash(); return = "&utmsr=3D"+sr+"&utmsc=3D"+sc+"&utmul=3D"+ul+"&utmje=3D"+je+"&utmfl=3D"+f= l; } function __utmSetTrans() { var e; if (_ubd.getElementById) e=3D_ubd.getElementById("utmtrans"); else if (_ubd.utmform && _ubd.utmform.utmtrans) = e=3D_ubd.utmform.utmtrans; if (!e) return; var l=3De.value.split("UTM:"); var i,i2,c; if (_userv=3D=3D0 || _userv=3D=3D2) i=3Dnew Array(); if (_userv=3D=3D1 || _userv=3D=3D2) { i2=3Dnew Array(); c=3D_uGCS(); } for (var ii=3D0;ii=3D2;ii--) { try { var fl=3Deval("new = ActiveXObject('ShockwaveFlash.ShockwaveFlash."+ii+"');"); if (fl) { f=3Dii + '.0'; break; } } catch(e) {} } } return f; } function __utmLinker(l,h) { if (!_ulink) return; var p,k,a=3D"-",b=3D"-",c=3D"-",z=3D"-",v=3D"-"; var dc=3D_ubd.cookie; if (!l || l=3D=3D"") return; var iq =3D l.indexOf("?");=20 var ih =3D l.indexOf("#");=20 if (dc) { a=3D_uES(_uGC(dc,"__utma=3D"+_udh,";")); b=3D_uES(_uGC(dc,"__utmb=3D"+_udh,";")); c=3D_uES(_uGC(dc,"__utmc=3D"+_udh,";")); z=3D_uES(_uGC(dc,"__utmz=3D"+_udh,";")); v=3D_uES(_uGC(dc,"__utmv=3D"+_udh,";")); k=3D(_uHash(a+b+c+z+v)*1)+(_udh*1); = p=3D"__utma=3D"+a+"&__utmb=3D"+b+"&__utmc=3D"+c+"&__utmz=3D"+z+"&__utmv=3D= "+v+"&__utmk=3D"+k; } if (p) { if (h && ih>-1) return; if (h) { _udl.href=3Dl+"#"+p; } else { if (iq=3D=3D-1 && ih=3D=3D-1) _udl.href=3Dl+"?"+p; else if (ih=3D=3D-1) _udl.href=3Dl+"&"+p; else if (iq=3D=3D-1) = _udl.href=3Dl.substring(0,ih-1)+"?"+p+l.substring(ih); else _udl.href=3Dl.substring(0,ih-1)+"&"+p+l.substring(ih); } } else { _udl.href=3Dl; } } function __utmLinkPost(f,h) { if (!_ulink) return; var p,k,a=3D"-",b=3D"-",c=3D"-",z=3D"-",v=3D"-"; var dc=3D_ubd.cookie; if (!f || !f.action) return; var iq =3D f.action.indexOf("?");=20 var ih =3D f.action.indexOf("#");=20 if (dc) { a=3D_uES(_uGC(dc,"__utma=3D"+_udh,";")); b=3D_uES(_uGC(dc,"__utmb=3D"+_udh,";")); c=3D_uES(_uGC(dc,"__utmc=3D"+_udh,";")); z=3D_uES(_uGC(dc,"__utmz=3D"+_udh,";")); v=3D_uES(_uGC(dc,"__utmv=3D"+_udh,";")); k=3D(_uHash(a+b+c+z+v)*1)+(_udh*1); = p=3D"__utma=3D"+a+"&__utmb=3D"+b+"&__utmc=3D"+c+"&__utmz=3D"+z+"&__utmv=3D= "+v+"&__utmk=3D"+k; } if (p) { if (h && ih>-1) return; if (h) { f.action+=3D"#"+p; } else { if (iq=3D=3D-1 && ih=3D=3D-1) f.action+=3D"?"+p; else if (ih=3D=3D-1) f.action+=3D"&"+p; else if (iq=3D=3D-1) = f.action=3Df.action.substring(0,ih-1)+"?"+p+f.action.substring(ih); else = f.action=3Df.action.substring(0,ih-1)+"&"+p+f.action.substring(ih); } } return; } function __utmSetVar(v) { if (!v || v=3D=3D"") return; var r=3DMath.round(Math.random() * 2147483647); _ubd.cookie=3D"__utmv=3D"+_udh+"."+_uES(v)+"; path=3D"+_utcp+"; = expires=3DSun, 18 Jan 2038 00:00:00 GMT;"+_udo; var s=3D"&utmt=3Dvar&utmn=3D"+r; if (_userv=3D=3D0 || _userv=3D=3D2) { var i=3Dnew Image(1,1); i.src=3D_ugifpath+"?"+"utmwv=3D"+_uwv+s; i.onload=3Dfunction() { _uVoid(); } } if (_userv=3D=3D1 || _userv=3D=3D2) { var i2=3Dnew Image(1,1); = i2.src=3D_ugifpath2+"?"+"utmwv=3D"+_uwv+s+"&utmac=3D"+_uacct+"&utmcc=3D"+= _uGCS(); i2.onload=3Dfunction() { _uVoid(); } } } function _uGCS() { var t,c=3D"",dc=3D_ubd.cookie; if ((t=3D_uGC(dc,"__utma=3D"+_udh,";"))!=3D"-") = c+=3D_uES("__utma=3D"+t+";+"); if ((t=3D_uGC(dc,"__utmb=3D"+_udh,";"))!=3D"-") = c+=3D_uES("__utmb=3D"+t+";+"); if ((t=3D_uGC(dc,"__utmc=3D"+_udh,";"))!=3D"-") = c+=3D_uES("__utmc=3D"+t+";+"); if ((t=3D_uGC(dc,"__utmz=3D"+_udh,";"))!=3D"-") = c+=3D_uES("__utmz=3D"+t+";+"); if ((t=3D_uGC(dc,"__utmv=3D"+_udh,";"))!=3D"-") = c+=3D_uES("__utmv=3D"+t+";"); if (c.charAt(c.length-1)=3D=3D"+") c=3Dc.substring(0,c.length-1); return c; } function _uGC(l,n,s) { if (!l || l=3D=3D"" || !n || n=3D=3D"" || !s || s=3D=3D"") return "-"; var i,i2,i3,c=3D"-"; i=3Dl.indexOf(n); i3=3Dn.indexOf("=3D")+1; if (i > -1) { i2=3Dl.indexOf(s,i); if (i2 < 0) { i2=3Dl.length; } c=3Dl.substring((i+i3),i2); } return c; } function _uDomain() { if (!_udn || _udn=3D=3D"" || _udn=3D=3D"none") { _udn=3D""; return 1; } if (_udn=3D=3D"auto") { var d=3D_ubd.domain; if (d.substring(0,4)=3D=3D"www.") { d=3Dd.substring(4,d.length); } _udn=3Dd; } if (_uhash=3D=3D"off") return 1; return _uHash(_udn); } function _uHash(d) { if (!d || d=3D=3D"") return 1; var h=3D0,g=3D0; for (var i=3Dd.length-1;i>=3D0;i--) { var c=3DparseInt(d.charCodeAt(i)); h=3D((h << 6) & 0xfffffff) + c + (c << 14); if ((g=3Dh & 0xfe00000)!=3D0) h=3D(h ^ (g >> 21)); } return h; } function _uFixA(c,s,t) { if (!c || c=3D=3D"" || !s || s=3D=3D"" || !t || t=3D=3D"") return "-"; var a=3D_uGC(c,"__utma=3D"+_udh,s); var lt=3D0,i=3D0; if ((i=3Da.lastIndexOf(".")) > 9) { _uns=3Da.substring(i+1,a.length); _uns=3D(_uns*1)+1; a=3Da.substring(0,i); if ((i=3Da.lastIndexOf(".")) > 7) { lt=3Da.substring(i+1,a.length); a=3Da.substring(0,i); } if ((i=3Da.lastIndexOf(".")) > 5) { a=3Da.substring(0,i); } a+=3D"."+lt+"."+t+"."+_uns; } return a; } function _uTrim(s) { if (!s || s=3D=3D"") return ""; while ((s.charAt(0)=3D=3D' ') || (s.charAt(0)=3D=3D'\n') || = (s.charAt(0,1)=3D=3D'\r')) s=3Ds.substring(1,s.length); 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} else { return unescape(s); } } ------=_NextPart_000_0000_01CA20C4.1B45AB70--