function Includes(){
	this.headergraphic = '<img src="../images/hed-mortageandhomeequityloa.gif" width="291" height="31" alt="Mortgages and Home Equity Loans" border="0">';
	this.makeHeader = makeHeader;
	this.makeFooter = makeFooter;
	this.makeSubnav = makeSubnav;
	this.formatSubnav = formatSubnav;
	this.subnav = "";
	this.ncua_footnote = '<br><div align="left" class="disclaimer">All accounts are insured up to $100,000.00 by the NCUA - National Credit Union Administration - a U.S. Government Agency.</div><br><br>'
	this.consnav1 = "Testing 123"
}

function makeHeader(valueonly){
	if(document.layers){
	var search_length = 8;
}
else{
	var search_length = 13;
}
if(valueonly){
		sitedir = "../site/"
} 
	var index = 0;
	var header=new Array();
	header[index++]='<div align="left">';
	header[index++]='<form name=seek method=get action="https://www.abecu.org/DIUltraseek/nph-di_ultraseek.cgi"><input type=hidden name=reaction value="https://search.diginsite.com/query.html">';
	header[index++]='<table border="0" width="760" cellspacing="0" cellpadding="0">';
	header[index++]='<tr>';
	header[index++]='<td width="623" colspan="5" bgcolor="#D8D0AE"><img src="https://www.abecu.org/images/clearpix.gif" width="623" height="8" alt="" border="0"></td>';
	header[index++]='<td width="137"><img src="https://www.abecu.org/images/pcu-top.gif" width="137" height="8" alt="" border="0"></td>';
	header[index++]='</tr>';
	header[index++]='<tr>';
	header[index++]='<!-- DATE STAMP GOES BELOW -->';
	header[index++]='<!-- DATE STAMP GOES BELOW -->';
	header[index++]='<td width="195" colspan="2" bgcolor="#D8D0AE"><img src="https://www.abecu.org/images/clearpix.gif" width="5" height="1" alt="" border="0"><font face="sans-serif" size="1">'+netdate+'</font></td>';
	header[index++]='<!-- DATE STAMP GOES ABOVE -->';
	header[index++]='<!-- DATE STAMP GOES ABOVE -->';
	header[index++]='<!-- START MINOR NAV -->';
	header[index++]='<!-- START MINOR NAV -->';
	header[index++]='<td width="428" colspan="3" bgcolor="#D8D0AE"><img src="https://www.abecu.org/images/clearpix.gif" width="57" height="1" alt="" border="0"><a href="'+homedir+'home.html" onMouseOver="img_act(\'home\'); window.status=\'Home\'; return true" onMouseOut="img_inact(\'home\');"><img src="https://www.abecu.org/images/nav-home-off.gif" width="26" height="14" alt="Home" border="0" name="home"></a><img src="https://www.abecu.org/images/nav_divider_minor.gif" width="25" height="14" alt="" border="0"><a href="javascript:open_apps(\'email_app\');" onMouseOver="img_act(\'email\'); window.status=\'E-mail Us\'; return true" onMouseOut="img_inact(\'email\');"><img src="https://www.abecu.org/images/nav-email-off.gif" width="43" height="14" alt="E-mail Us" border="0" name="email"></a><img src="https://www.abecu.org/images/nav_divider_minor.gif" width="25" height="14" alt="" border="0"><a href="'+sitedir+'sitemap.html" onMouseOver="img_act(\'sitemap\'); window.status=\'Site Map\'; return true" onMouseOut="img_inact(\'sitemap\');"><img src="https://www.abecu.org/images/nav-sitemap-off.gif" width="40" height="14" alt="Site Map" border="0" name="sitemap"></a><img src="https://www.abecu.org/images/nav_divider_minor.gif" width="25" height="14" alt="" border="0"><a href="'+sitedir+'privacy.html" onMouseOver="img_act(\'privacy\'); window.status=\'Privacy and Security\'; return true" onMouseOut="img_inact(\'privacy\');"><img src="https://www.abecu.org/images/nav-privacy-off.gif" width="78" height="14" alt="Privacy and Security" border="0" name="privacy"></a></td>';
	header[index++]='<!-- END MINOR NAV -->';
	header[index++]='<!-- END MINOR NAV -->';
	header[index++]='<td width="137"><img src="https://www.abecu.org/images/pcu-bottom.gif" width="137" height="14" alt="PC CUing Online Access" border="0"></td>';
	header[index++]='</tr>';
	header[index++]='<tr>';
	header[index++]='<td width="760" colspan="6" bgcolor="#740D3C"><img src="https://www.abecu.org/images/clearpix.gif" width="760" height="2" alt="" border="0"></td>';
	header[index++]='</tr>';
	header[index++]='<tr>';
	header[index++]='<td width="170"><img src="https://www.abecu.org/images/logo-abecu-top.gif" width="170" height="70" alt="Anheuser-Busch Employees Credit Union" border="0"></td>';
	header[index++]='<td width="453" colspan="4" bgcolor="#EBE7D6"><img src="https://www.abecu.org/images/clearpix.gif" width="453" height="1" alt="" border="0"></td>';
	header[index++]='<!-- START ONLINE BANKING LINKS -->';
	header[index++]='<!-- START ONLINE BANKING LINKS -->';
	header[index++]='<td width="137" valign="top" bgcolor="#EBE7D6"><a href="javascript:openIB()" onMouseOver="img_act(\'login\'); window.status=\'Login to my Account\'; return true" onMouseOut="img_inact(\'login\');"><img src="https://www.abecu.org/images/nav-login-off.gif" width="137" height="18" alt="Login to my Account" border="0" name="login"></a><br>';
	header[index++]='<a href="javascript:openIB(\'demo\')" onMouseOver="img_act(\'demo\'); window.status=\'Demo\'; return true" onMouseOut="img_inact(\'demo\');"><img src="https://www.abecu.org/images/nav-demo-off.gif" width="137" height="18" alt="Demo" border="0" name="demo"></a><br>';
	header[index++]='<a href="'+sitedir+'more.html" onMouseOver="img_act(\'moreinfo\'); window.status=\'More Info\'; return true" onMouseOut="img_inact(\'moreinfo\');"><img src="https://www.abecu.org/images/nav-moreinfo-off.gif" width="137" height="20" alt="More Info" border="0" name="moreinfo"></a></td>';
	header[index++]='<!-- END ONLINE BANKING LINKS -->';
	header[index++]='<!-- END ONLINE BANKING LINKS -->';
	header[index++]='</tr>';
	header[index++]='<tr>';
	header[index++]='<td width="170"><img src="https://www.abecu.org/images/logo-abecu-bottom.gif" width="170" height="23" alt="Anheuser-Busch Employees Credit Union" border="0"></td>';
	header[index++]='<!-- START MAIN NAVIGATION -->';
	header[index++]='<!-- START MAIN NAVIGATION -->';
	header[index++]='<td width="125"><a href="'+sitedir+'credit.html" onMouseOver="img_act(\'creditandloans\'); popUp(\'HM_Menu1\',event);window.status=\'Credit Cards and Loans\'; return true" onMouseOut="img_inact(\'creditandloans\'); popDown(\'HM_Menu1\');"><img src="https://www.abecu.org/images/nav-creditandloans-off.gif" width="125" height="23" alt="Credit Cards and Loans" border="0" name="creditandloans"></a></td>';
	header[index++]='<td width="113"><a href="'+sitedir+'checking.html" onMouseOver="img_act(\'checkandsave\'); popUp(\'HM_Menu2\',event); window.status=\'Checking and Savings\'; return true" onMouseOut="img_inact(\'checkandsave\'); popDown(\'HM_Menu2\');"><img src="https://www.abecu.org/images/nav-checkandsave-off.gif" width="113" height="23" alt="Checking and Savings" border="0" name="checkandsave"></a></td>';
	header[index++]='<td width="94"><a href="'+sitedir+'online.html" onMouseOver="img_act(\'onlineservices\'); popUp(\'HM_Menu3\',event); window.status=\'Online Services\'; return true" onMouseOut="img_inact(\'onlineservices\'); popDown(\'HM_Menu3\');"><img src="https://www.abecu.org/images/nav-onlineservices-off.gif" width="94" height="23" alt="Online Services" border="0" name="onlineservices"></a></td>';
	header[index++]='<td width="121"><a href="'+sitedir+'conv.html" onMouseOver="img_act(\'convenience\'); popUp(\'HM_Menu4\',event); window.status=\'Convenience Services\'; return true" onMouseOut="img_inact(\'convenience\'); popDown(\'HM_Menu4\');"><img src="https://www.abecu.org/images/nav-convenience-off.gif" width="121" height="23" alt="Convenience Services" border="0" name="convenience"></a></td>';
	header[index++]='<td width="137"><a href="'+sitedir+'invest.html" onMouseOver="img_act(\'investinsure\'); popUp(\'HM_Menu5\',event); window.status=\'Investments and Insurance\'; return true" onMouseOut="img_inact(\'investinsure\'); popDown(\'HM_Menu5\');"><img src="https://www.abecu.org/images/nav-investinsure-off.gif" width="137" height="23" alt="Investments and Insurance" border="0" name="investinsure"></a></td>';
	header[index++]='<!-- END MAIN NAVIGATION -->';
	header[index++]='<!-- END MAIN NAVIGATION -->';
	header[index++]='</tr>';
	header[index++]='</table>';
	header[index++]='<table width="760" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF">';
	header[index++]='<tr>';
	header[index++]='<td width="169" valign="top" background="https://www.abecu.org/images/search_bg.gif">';
	header[index++]='<table width="169" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF">';
	header[index++]='<tr>';
	header[index++]='<td width="169" colspan="2" valign="top" background="https://www.abecu.org/images/search_bg.gif"><img src="https://www.abecu.org/images/clearpix.gif" width="1" height="10" alt="" border="0"><br>';
	header[index++]='<img src="https://www.abecu.org/images/clearpix.gif" width="8" height="1" alt="" border="0"><img src="https://www.abecu.org/images/search.gif" width="57" height="12" alt="Search" border="0"></td>';
	header[index++]='</tr>';
	header[index++]='<tr>';
	
	header[index++]='<!-- ULTRASEEK FORM FIELD GOES HERE -->';
	header[index++]='<!-- ULTRASEEK FORM FIELD GOES HERE -->';
	header[index++]='<td width="133" valign="top" background="https://www.abecu.org/images/search_bg.gif"><img src="https://www.abecu.org/images/clearpix.gif" width="8" height="5" alt="" border="0"><input type=text name=qt size='+search_length+' maxlength=2047 class="search">';
	header[index++]='';
	header[index++]='<input type=hidden name=col value="search1">';
	header[index++]='<input type=hidden name=qc value="search1">';
	header[index++]='<input type=hidden name=qp value="+site:abecu.org">';
	header[index++]='<input type=hidden name=qs value="">';
	header[index++]='<input type=hidden name=ws value="0">';
	header[index++]='<input type=hidden name=qm value="0">';
	header[index++]='<input type=hidden name=rq value="0">';
	header[index++]='<input type=hidden name=st value="1">';
	header[index++]='<input type=hidden name=nh value="10">';
	header[index++]='<input type=hidden name=lk value="1">';
	header[index++]='<input type=hidden name=rf value="0">';
	header[index++]='<input type=hidden name=oq value=""></td>';
	header[index++]='<!-- ULTRASEEK FORM FIELD GOES ABOVE -->';
	header[index++]='<!-- ULTRASEEK FORM FIELD GOES ABOVE -->';
	header[index++]='<!-- ULTRASEEK "GO" BUTTON GOES BELOW -->';
	header[index++]='<!-- ULTRASEEK "GO" BUTTON GOES BELOW -->';
	header[index++]='<td width="36" valign="middle" background="https://www.abecu.org/images/search_bg2.gif"><img src="https://www.abecu.org/images/clearpix.gif" width="3" height="1" alt="" border="0"><a href="javascript:document.seek.submit();"><img src="https://www.abecu.org/images/search_button.gif" width="23" height="15" alt="" border="0"></a><img src="https://www.abecu.org/images/clearpix.gif" width="11" height="1" alt="" border="0"></td>';
	header[index++]='<!-- ULTRASEEK "GO" BUTTON GOES ABOVE -->';
	header[index++]='<!-- ULTRASEEK "GO" BUTTON GOES ABOVE -->';
	header[index++]='</tr>';
	header[index++]='<tr>';
	
	header[index++]='<!--  NOTE THIS IMAGE IS DIFFERENT ON THE BACK PAGE --------------------------------------------->';
	header[index++]='<td width="169" colspan="2" valign="top"><img src="https://www.abecu.org/images/search_bottom_BACK.gif" width="169" height="8" alt="" border="0"></td>';
	header[index++]='<!--  NOTE THIS IMAGE IS DIFFERENT ON THE BACK PAGE --------------------------------------------->';
	header[index++]='</tr>';
	header[index++]='<tr>';
	header[index++]='<td width="169" colspan="2" valign="top">';
	header[index++]='<table width="169" border="0" cellspacing="0" cellpadding="0">';
	header[index++]='<tr>';
	header[index++]='<td width="145" align="right" valign="top" background="https://www.abecu.org/images/side_nav_bg3.gif"><img src="https://www.abecu.org/images/clearpix.gif" width="1" height="10" alt="" border="0"><br>';
	header[index++]='<!-- BEGIN SIDE NAVIGATION -->';
	header[index++]='<!-- BEGIN SIDE NAVIGATION -->';
	header[index++]='<a href="'+sitedir+'great_rates.html" class="altsubnav">Our Great Rates</a><br>';
	header[index++]='<img src="https://www.abecu.org/images/clearpix.gif" width="1" height="5" alt="" border="0"><br>';
	header[index++]='<a href="'+sitedir+'rewards.html" class="altsubnav">Member Rewards</a><br>';
	header[index++]='<img src="https://www.abecu.org/images/clearpix.gif" width="1" height="5" alt="" border="0"><br>';
	header[index++]='<a href="'+sitedir+'whatsnew.html" class="altsubnav">What\'s New</a><br>';
	header[index++]='<img src="https://www.abecu.org/images/clearpix.gif" width="1" height="5" alt="" border="0"><br>';
	header[index++]='<a href="'+sitedir+'forms.html" class="altsubnav">Check Orders &amp; Other Forms</a><br>';
	header[index++]='<img src="https://www.abecu.org/images/clearpix.gif" width="1" height="5" alt="" border="0"><br>';
	header[index++]='<a href="'+sitedir+'about.html" class="altsubnav">About ABECU</a><br>';
	header[index++]='<img src="https://www.abecu.org/images/clearpix.gif" width="1" height="5" alt="" border="0"><br>';
	header[index++]='<a href="'+sitedir+'locations.html" class="altsubnav">Locations</a><br>';
	header[index++]='<img src="https://www.abecu.org/images/clearpix.gif" width="1" height="5" alt="" border="0"><br>';
	header[index++]='<a href="javascript:open_link(\'http://googolplex.cuna.org/?sub_id=21778\');" class="altsubnav">Just for Kids &amp; Teens</a><br>';
	header[index++]='<img src="https://www.abecu.org/images/clearpix.gif" width="1" height="5" alt="" border="0"><br>';
	header[index++]='<a href="'+sitedir+'calculators.html" class="altsubnav">Financial Calculators</a><br>';
	header[index++]='<img src="https://www.abecu.org/images/clearpix.gif" width="1" height="5" alt="" border="0"><br>';
	header[index++]='<a href="'+sitedir+'spanish.html" class="altsubnav">¿Habla Español?</a><br><br><br><br><br><br><br><br><br></td>';
	header[index++]='<!-- END SIDE NAVIGATION -->';
	header[index++]='<!-- END SIDE NAVIGATION -->';
	header[index++]='';
	header[index++]='<td width="24" background="https://www.abecu.org/images/side_nav_bg2.gif"><img src="https://www.abecu.org/images/clearpix.gif" width="24" height="1" alt="" border="0"></td>';
	header[index++]='</tr>';
	header[index++]='</table>				';
	header[index++]='</td>';
	header[index++]='</tr>';
	header[index++]='<tr>';
	header[index++]='<td width="169" colspan="2" valign="top"><img src="https://www.abecu.org/images/side_nav_bottom.gif" width="169" height="15" alt="" border="0"></td>';
	header[index++]='</tr>';
	header[index++]='</table>';
	header[index++]='</td>	';
	header[index++]='<td width="21"><img src="https://www.abecu.org/images/clearpix.gif" width="21" height="1" alt="" border="0"></td>';
	header[index++]='<!-- ------- SWAP BACK PAGE CODE STARTING HERE  -->';
	header[index++]='<td width="550" valign="top" class="ficontent">';
	header[index++]='<table width="550" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF">';
	header[index++]='<tr>';
	header[index++]='<td width="550"><img src="https://www.abecu.org/images/clearpix.gif" width="550" height="10" alt="" border="0"></form></td>';
	header[index++]='</tr>';
	header[index++]='<tr>';
	header[index++]='<!-- INSERT PAGE HEADER HERE -->';
	header[index++]='<!-- INSERT PAGE HEADER HERE -->';
	header[index++]='<td width="550" valign="top" background="https://www.abecu.org/images/header_line_filler.gif">'+this.headergraphic+'</td>';
	header[index++]='<!-- INSERT PAGE HEADER ABOVE -->';
	header[index++]='<!-- INSERT PAGE HEADER ABOVE -->';
	header[index++]='</tr>';
	if(this.subnav != ""){
	header[index++]='<tr>';
	header[index++]='<td width="550" height="13" valign="middle" bgcolor="#EBE7D6">&nbsp;'+this.subnav+'</td>';
	header[index++]='</tr>';
	}
	header[index++]='<tr>';
	header[index++]='<td width="550" class="ficontent"><img src="https://www.abecu.org/images/clearpix.gif" width="550" height="8" alt="" border="0"><br>';

	if(!valueonly){
		document.open("text/html","replace");
		document.writeln(header.join(""));
		document.close();
	}
	else{
		var pagetop = '<html><head><title>Calculator</title><scr'+'ipt>var absolutepage ="calcs page"</scr'+'ipt><scr'+'ipt language="JavaScript" type="text/javascript" src="../site/_script.js"></scr'+'ipt></head><body text="#000000" link="#0000cc" alink="#75736B" vlink="#75736B" bgcolor="#EBE7D6" marginheight="0" marginwidth="0" leftmargin="0" topmargin="0">';
		return (pagetop+header.join(""));
	} 
	subnav_array = null;
	header = null;
	return;
}

function makeFooter(valueonly,ncua_footer){
	var ncua = '<a href="javascript:open_link(\'http://www.ncua.gov/\');"><img src="https://www.abecu.org/images/ncua_logo_sm.jpg" width="100" height="45" alt="NCUA" border="0"></a>';
	var ehl = '<a href="javascript:open_link(\'http://www.hud.gov\');"><img src="https://www.abecu.org/images/ehl_logo.gif" width="42" height="35" alt="Equal Housing Lender" border="0"></a>';
	var index = 0;
	var footer=new Array();
	if(ncua_footer){
	footer[index++] = this.ncua_footnote;
	}
	footer[index++]='</td>'
	footer[index++]='</tr>';
	footer[index++]='</table>';
	footer[index++]='</td>	';
	footer[index++]='<td width="20"><img src="https://www.abecu.org/images/clearpix.gif" width="20" height="1" alt="" border="0"></td>';
	footer[index++]='</tr>';
	footer[index++]='</table>';
	footer[index++]='<table width="760" border="0" cellspacing="0" cellpadding="0">';
	footer[index++]='<tr>';
	footer[index++]='<td width="760" colspan="3" background="https://www.abecu.org/images/footer_top.gif"><img src="https://www.abecu.org/images/clearpix.gif" width="1" height="11" alt="" border="0"></td>';
	footer[index++]='</tr>';
	footer[index++]='<tr>';
	footer[index++]='<td width="169" align="center" valign="top" background="https://www.abecu.org/images/search_bg.gif" class="ficontent"><br><img src="https://www.abecu.org/images/clearpix.gif" width="169" height="1" alt="" border="0">'+ncua+'<img src="https://www.abecu.org/images/clearpix.gif" width="5" height="1" alt="" border="0">'+ehl+'<br>';
	footer[index++]='<table width="165" border="0" align="left">';
	footer[index++]='<tr>';
	footer[index++]='<td width="165" style="font-family: Arial, Helvetica, sans serifs; font-size: 10pt; color: #000000;" align="center">';
	footer[index++]='Federally insured by NCUA.<br>We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.<br>';
	footer[index++]='</td>';
	footer[index++]='<!--<td width="45">';
	footer[index++]='&nbsp;';
	footer[index++]='</td">-->';
	footer[index++]='</tr>';
	footer[index++]='<tr>';
	footer[index++]='<td colspan="3" class="ficontent" align="center">';
	footer[index++]='Powered by<br>';
	footer[index++]='<a href="javascript:open_link(\'http://www.digitalinsight.com\');">Digital Insight</a><br>';
	footer[index++]='</td">';
	footer[index++]='</tr">';
	footer[index++]='</table>';
	footer[index++]='<img src="https://www.abecu.org/images/clearpix.gif" width="1" height="5" alt="" border="0"><br>';
	footer[index++]='<img src="https://www.abecu.org/images/clearpix.gif" width="1" height="5" alt="" border="0"></td>';
	footer[index++]='<!-- FOOTER LOGOS ABOVE -->';
	footer[index++]='<!-- FOOTER LOGOS ABOVE -->';
	footer[index++]='<td width="571" align="right" valign="top"><img src="https://www.abecu.org/images/clearpix.gif" width="1" height="5" alt="" border="0"><br>';
	footer[index++]='<a href="javascript:scrollTo(0,0);"><img src="https://www.abecu.org/images/back_to_top.gif" width="90" height="17" alt="Back to Top" border="0"></a></td>';
	footer[index++]='<td width="20" background="https://www.abecu.org/images/footer_right.gif"><img src="https://www.abecu.org/images/clearpix.gif" width="20" height="1" alt="" border="0"></td>';
	footer[index++]='</tr>';
	footer[index++]='</table>';

	
	
	if(!valueonly){
		document.open("text/html","replace");
		document.writeln(footer.join(""));
		document.close();
	}
	else{
		var dhtmlcall = '<scr'+'ipt language="JavaScript" type="text/javascript" src="https://www.abecu.org/site/HM_Loader.js"></scr'+'ipt>	'
		return (footer.join("")+dhtmlcall);
	}
	footer = null;
	return;
	
}




function makeSubnav(section,custom){
	if(!custom){
		var subnavigation = new Array();
		subnavigation[0] = '<a href="'+sitedir+'great_rates.html"  class="altsubnav">Rates</a>&nbsp;&nbsp;l&nbsp;&nbsp;<a href="'+sitedir+'calculators.html" class="altsubnav">Financial Calculators</a>';
		if(section == "default"){
			return (subnavigation.join(""));
		}
		
		subnavigation[1] = "&nbsp;&nbsp;l&nbsp;&nbsp;"	
		subnavigation[2] = this.formatSubnav(section);	
		return (subnavigation.join(""));
	}
	else{
		return this.formatSubnav(section);
	}
}

function formatSubnav(data){
	var sublink = new Array();
	var count = 0;
	var br_index = 0;
	for(i=0;i<data.length;i++){
		if(i%2==0){
			br_index = data[i+1].indexOf("<br>");
			if(br_index > 0){
				data[i].indexOf('javascript')> 0 ? sitedir="" : sitedir = sitedir;
				sublink[count++] = '<a href="'+sitedir+data[i]+'" class="altsubnav">';
			}
			else{
				data[i].indexOf('javascript')> 0 ? sitedir="" : sitedir = sitedir;
				sublink[count++] = '&nbsp;<a href="'+sitedir+data[i]+'" class="altsubnav">';
			}
		}
		else if(i != data.length-1){
			
			if(br_index < 0){
				sublink[count++] = data[i]+'</a>&nbsp;&nbsp;l&nbsp;&nbsp;';
				
			}
			else{
				sublink[count++] = data[i].substring(0,br_index)+'</a><br>';
				
			}
		}
		else{
			sublink[count++] = data[i]+'</a>';
			
		}
	}
	return (sublink.join(""));
}

function formHandler(form){
var URL = document.pdnav.site.options[document.pdnav.site.selectedIndex].value;
window.location.href = URL;
}