function Include(section,subSection){
	this.section = section;
	this.subSection = subSection;
	this.makeHeader = makeHeader;
	this.makeHeaderWN = makeHeaderWN;
	this.backTop = backTop;
	this.makeFooter = makeFooter;
	this.makefooterins = makefooterins;
}


function makeHeader(){
	var header = new Array();
	var index = 0;
	header[index++] = '<a name="top"></a> ';
	// Begin Wrapper Table
	header[index++] = '<table width="760" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF" align="center">';
	header[index++] = '<tr>';
	header[index++] = '<td>';
	header[index++] = '<table width="760" border="0" cellspacing="0" cellpadding="0">';
	header[index++] = '<tr>';
	header[index++] = '<td rowspan="4" width="151" valign="top"><img src="' + imgdir + 'newlogo.gif" width="151" height="141" alt="SPE Federal Credit Union - Serving the Centre County Community"></td>';
	header[index++] = '<td width="142" background="' + imgdir + 'topbg.jpg"><img src="' + imgdir + 'logo_watermark.jpg" width="142" height="56"></td>';
	header[index++] = '<td background="' + imgdir + 'topbg.jpg" valign="middle" align="right"> ';
	// Login Area
	header[index++] = '<table width="300" border="0" cellspacing="0" cellpadding="0">';
	header[index++] = '<tr>';
	header[index++] = '<td width="133" background="' + imgdir + 'topbg.jpg"><img src="' + imgdir + 'spe-branch.gif" width="133" height="34" alt="SPe-Branch"></td>';
	header[index++] = '<td width="80" background="' + imgdir + 'topbg.jpg"><a href="https://ebranch.spefcu.org/" onMouseOver="img_act(\'login\'); window.status=\'Login\'; return true" onMouseOut="img_inact(\'login\');" target="login"><img src="' + imgdir + 'nav-login-off.gif" width="75" height="34" name="login" alt="Login" border="0"></a></td>';
	header[index++] = '<td background="' + imgdir + 'topbg.jpg"><!--<a href="https://ebranch.spefcu.org/" class="secondarylink" target="login">1<sup>st</sup> time users</a><br>--><a href="https://ebranch.spefcu.org/security.htm" class="secondarylink" target="login">Security</a></td>';
	header[index++] = '<td width="1"><img src="' + imgdir + 'topbg.jpg" border="0"></td>';
	header[index++] = '</tr>';
	header[index++] = '</table>';
	header[index++] = '</td>';
	header[index++] = '</tr>';
	header[index++] = '<tr> ';
	header[index++] = '<td colspan="2"><img src="' + imgdir + 'hed-photo.jpg" width="609" height="54"></td>';
	header[index++] = '</tr>';
	header[index++] = '<tr>';
	// Secondary Navigation
	header[index++] = '<td colspan="2" valign="top" align="right" background="' + imgdir + 'navbg.gif">';
	header[index++] = '<a href="' + homedir + '" onMouseOver="img_act(\'home\'); window.status=\'Home\'; return true" onMouseOut="img_inact(\'home\');"><img src="' + imgdir + 'nav-home-off.gif" width="49" height="22" name="home" alt="Home" border="0"></a>';
	header[index++] = '<a href="' + sitedir + 'contactus.html" onMouseOver="img_act(\'contact\'); window.status=\'Contact Us\'; return true" onMouseOut="img_inact(\'contact\');"><img src="' + imgdir + 'nav-contact-off.gif" width="76" height="22" name="contact" alt="Contact Us" border="0"></a>';
	header[index++] = '<a href="' + sitedir + 'applications.html" onMouseOver="img_act(\'apps\'); window.status=\'Applications\'; return true" onMouseOut="img_inact(\'apps\');"><img src="' + imgdir + 'nav-apps-off.gif" width="82" height="22" name="apps" alt="Applications" border="0"></a>';
	header[index++] = '<a href="' + sitedir + 'calculators.html" onMouseOver="img_act(\'calculators\'); window.status=\'Calculators\'; return true" onMouseOut="img_inact(\'calculators\');"><img src="' + imgdir + 'nav-calculators-off.gif" width="77" height="22" name="calculators" alt="Calculators" border="0"></a>';
	header[index++] = '<a href="' + sitedir + 'community.html" onMouseOver="img_act(\'community\'); window.status=\'Community\'; return true" onMouseOut="img_inact(\'community\');"><img src="' + imgdir + 'nav-community-off.gif" width="83" height="22" name="community" alt="Community" border="0"></a>';
	header[index++] = '</td>';
	header[index++] = '</tr>';
    header[index++] = '<tr>';
    header[index++] = '<td valign="top" align="center" colspan="2"><img src="' + imgdir + 'shadow.jpg" width="609" height="10"></td>';
    header[index++] = '</tr>';
	header[index++] = '</table>';
	header[index++] = '<table width="760" border="0" cellspacing="0" cellpadding="0">';
	header[index++] = '<tr>';
	// Main Navigation
	header[index++] = '<td width="144" background="' + imgdir + 'leftnavbg.gif" valign="top" align="center" class="whitetext" ';
	if (this.section!="home") 
		header[index++] = 'height="553"';
	header[index++] = '><a href="javascript://" onMouseOver="img_act(\'onlinebanking\'); window.status=\'Online Banking Services\'; popUp(\'HM_Menu1\',event); return true" onMouseOut="img_inact(\'onlinebanking\'); popDown(\'HM_Menu1\',event); return true"><img src="' + imgdir + 'nav-onlinebanking-off.gif" width="144" height="34" name="onlinebanking" alt="Online Banking Services" border="0"></a><br>';
	header[index++] = '<a href="javascript://" onMouseOver="img_act(\'products\'); window.status=\'Products and Services\'; popUp(\'HM_Menu2\',event); return true" onMouseOut="img_inact(\'products\'); popDown(\'HM_Menu2\',event); return true"><img src="' + imgdir + 'nav-products-off.gif" width="144" height="31" name="products" alt="Products and Services" border="0"></a><br>';
	header[index++] = '<a href="javascript://" onMouseOver="img_act(\'bproducts\'); window.status=\'Business Products and Services\'; popUp(\'HM_Menu6\',event); return true" onMouseOut="img_inact(\'bproducts\'); popDown(\'HM_Menu6\',event); return true"><img src="' + imgdir + 'nav-bps-off.gif" width="144" height="31" name="bproducts" alt="Business Products and Services" border="0"></a><br>';
   	header[index++] = '<a href="javascript://" onMouseOver="img_act(\'iis\'); window.status=\'Insurance & Investment Services\'; popUp(\'HM_Menu8\',event); return true" onMouseOut="img_inact(\'iis\'); popDown(\'HM_Menu8\',event); return true"><img src="' + imgdir + 'nav-iis-off.gif" width="144" height="31" name="iis" alt="Insurance & Investment Services" border="0"></a><br>';
	header[index++] = '<a href="javascript://" onMouseOver="img_act(\'rates\'); window.status=\'Rates\'; popUp(\'HM_Menu3\',event); return true" onMouseOut="img_inact(\'rates\'); popDown(\'HM_Menu3\',event); return true"><img src="' + imgdir + 'nav-rates-off.gif" width="144" height="22" name="rates" alt="Rates" border="0"></a><br>';
	header[index++] = '<a href="javascript://" onMouseOver="img_act(\'membership\'); window.status=\'Membership\'; popUp(\'HM_Menu4\',event); return true" onMouseOut="img_inact(\'membership\'); popDown(\'HM_Menu4\',event); return true"><img src="' + imgdir + 'nav-membership-off.gif" width="144" height="23" name="membership" alt="Membership" border="0"></a><br>';
	header[index++] = '<a href="javascript://" onMouseOver="img_act(\'aboutus\'); window.status=\'About Us\'; popUp(\'HM_Menu5\',event); return true" onMouseOut="img_inact(\'aboutus\'); popDown(\'HM_Menu5\',event); return true"><img src="' + imgdir + 'nav-aboutus-off.gif" width="144" height="23" name="aboutus" alt="About Us" border="0"></a><br>';
	header[index++] = '<a href="' + sitedir + 'whatsnew.html" onMouseOver="img_act(\'whatsnew\'); window.status=\'Whats New\'; return true" onMouseOut="img_inact(\'whatsnew\'); return true"><img src="' + imgdir + 'nav-whatsnew-off.gif" width="144" height="23" name="whatsnew" alt="What\'s New" border="0"></a><br>';
    header[index++] = '<a href="javascript://" onMouseOver="img_act(\'disclosures\'); window.status=\'Disclosures\'; popUp(\'HM_Menu7\',event); return true" onMouseOut="img_inact(\'disclosures\'); popDown(\'HM_Menu7\',event); return true"><img src="' + imgdir + 'nav-disclosures-off.gif" width="144" height="23" name="disclosures" alt="Disclosures" border="0"></a><br>';
	header[index++] = '<a href="' + sitedir + 'sitemap.html" onMouseOver="img_act(\'sitemap\'); window.status=\'Sitemap\'; return true" onMouseOut="img_inact(\'sitemap\'); return true"><img src="' + imgdir + 'nav-sitemap-off.gif" width="144" height="23" name="sitemap" alt="Sitemap" border="0"></a><br>';
	header[index++] = '<a href="' + sitedir + 'aboutus_locations.html" onMouseOver="img_act(\'hours\'); window.status=\'Hours\'; return true" onMouseOut="img_inact(\'hours\'); return true"><img src="' + imgdir + 'nav-hours-off.gif" width="144" height="23" name="hours" alt="Hours" border="0"></a><br>';
	header[index++] = '<a href="' + sitedir + 'aboutus_holiday.html" onMouseOver="img_act(\'holiday\'); window.status=\'Holiday Closing\'; return true" onMouseOut="img_inact(\'holiday\'); return true"><img src="' + imgdir + 'nav-holiday-off.gif" width="144" height="23" name="holiday" alt="Holidays Closing" border="0"></a><br>';
	header[index++] = '<img src="' + imgdir + 'nav-bottom.gif" width="144" height="2" border="0"></a><br>';
	// Special Message Area
	//	header[index++] = '<br><span class="sitemap">Free June Seminar</span><br>';
	//	header[index++] = 'Buying A Car The Right Way<br>';
	//	header[index++] = 'Wednesday, June 30<br>';
	//	header[index++] = '<a href="' + sitedir + 'products_seminars.html" class="secondarylink">Click here for details</a><br>';
	header[index++] = '<br>';
	//header[index++] = '<a href="http://hffo.cuna.org/index.html?sub_id=37694" target="_blank"><img src="' + imgdir + 'hffrc_logo.jpg" width="110" height="63" alt="" border="0"></a>';
	//header[index++] = '<p style="text-align: center"><a href="https://www.loanliner.com/lrpresenter/lr1loantypes.asp?cuid=03723452" target="_blank"><img src="' + imgdir + 'loan.jpg" width="120" height="120" border="0" alt="Loan In An Instant"></p>';
	//header[index++] = '<p style="text-align: center"><a href="http://www.membersforlife.com/default.asp?siteId=69A1392C-3BC7-48C8-976E-A270594B5327" target="_blank"><img src="' + imgdir + 'housekey.jpg" alt="" title="" border="0" /></a><br /><strong style="color:#FFFFFF">Learn more, Pre-qualify, Pre-approve, or Apply for a home loan at the press of a button!</strong></p>';
	//header[index++] = '<br /><br /><strong style="color:#FFFFFF">Holiday Closings</strong><br> October - December 2008<br /><br /><strong style="color:#FFFFFF">Monday, October 13</strong><br />Columbus Day<br /><br /><strong style="color: #FFFFFF">Tuesday, November 11</strong><br />Veteran&#39;s Day<br /><br /><strong style="color: #FFFFFF">Thursday, November 27</strong><br />Thanksgiving Day<br/><br /><strong style="color: #FFFFFF">Thursday, December 25</strong><br />Christmas Day<br /><br />';
	header[index++] = '<br /><br /><a href="javascript: show_AlertMe_Warning(\'https://www.virtualbranchservices.com/alertme/?rtn=23138764\');"><img src="' + imgdir + 'WebButton1.gif" width="120" height="90" border="0" alt="AlertMe Button"></p>';
	header[index++] = '<p><table><tr><td><div id="ttBanner" style="display:none"><!-- TT Banner --></div></td></tr></table><p>';
if (window.homepage) {	
	header[index++] = '<p><a href="site/communityminded_2.html"><img src="images/playframe.jpg" border="0" alt="" /></a><p>';
	header[index++] = '<p><a href="site/communityminded.html"><img src="images/playVideo2.jpg" border="0" alt="" /></a><p>';
	header[index++] = '<p><a href="site/video.html"><img src="images/playVideo.jpg" border="0" alt="" /></a><p>';
	//header[index++] = '<p><a href="site/ncua_video.html"><img src="images/ss.jpg" border="0" alt="" /></a><p>';
	header[index++] = '<div class="verisign"><table width="135" border="0" cellpadding="2" cellspacing="0" title="Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.">';
	header[index++] = '<tr>';
	header[index++] = '<td width="135" align="center" valign="top"><scr'+'ipt type="text/javascript" src="https://seal.verisign.com/getseal?host_name=www.spefcu.org&amp;size=S&amp;use_flash=YES&amp;use_transparent=YES&amp;lang=en">/* for ie */</scr'+'ipt><br />';
	header[index++] = '<a href="http://www.verisign.com/ssl-certificate/" target="_blank"  style="color:#000000; text-decoration:none; font:bold 7px verdana,sans-serif; letter-spacing:.5px; text-align:center; margin:0px; padding:0px;">ABOUT SSL CERTIFICATES</a></td>';
	header[index++] = '</tr>';
	header[index++] = '</table>';
	header[index++] = '</div>';
}	
	header[index++] = '</td>';
	header[index++] = '<td valign="top" align="center"> ';
	// Content Table
	header[index++] = '<table width="574" border="0" cellspacing="0" cellpadding="0">';
	header[index++] = '<tr>';
	header[index++] = '<td valign="top" class="ficontent">';
	header[index++] = '<img src="' + imgdir + 'hed-' + this.section + '.gif" border="0" alt=""><br>';
	header[index++] = '<img src="' + imgdir + 'greypix.gif" width="574" height="1"><br>';

	
	if (this.section!="home") 
		header[index++] = '<br>';
	if (this.section == "directory" && this.section != "privacy" && this.section != "disclosures" && this.section != "feeschedule" && this.section != "home" && this.section != "rates"  && this.subSection != "contactus"  && this.subSection != "signon" && this.subSection != "locations" && this.section != "sitemap" ){
		if (this.subSection != "none")
		{
			if(this.section == "bps") {
				header[index++] = '<div style="float:right; margin-left: 10px;"><img src="' + imgdir + 'photo-' + this.section + '.jpg" width="200" height="261" border="0" /><p align="center">Mike Scott<br>Small Business Lender<br>SPE Federal Credit Union<br>2601-A East College Ave.<br>State College, PA 16801<br>Office: 814-272-0657<br>Cell:  814-933-7368<br>Email: <a href="mailto:mscott@spefcu.org">mscott@spefcu.org</a></p></div>';
			} else if(this.subSection=="touring_harley"){
				header[index++] = '<img src="' + imgdir + 'photo-' + this.subSection + '.jpg" width="195" border="0" align="right">';
			} else if(this.subSection=="membership2"){
				header[index++] = '<img src="' + imgdir + 'photo-' + this.subSection + '.jpg" width="200" height="264" border="0" align="right" style="margin-left: 1em">';
			} else if(this.subSection!=""){
				header[index++] = '<img src="' + imgdir + 'photo-' + this.subSection + '.jpg" width="195" height="193" border="0" align="right">';
			} else if(window.whatsnew != true) {
				header[index++] = '<img src="' + imgdir + 'photo-' + this.section + '.jpg" width="195" height="193" border="0" align="right">';
			} 
		}
	}
	
	header[index++] = '<span class="ficontent">';
	document.open("text/html","replace");
	document.writeln(header.join(""));
	document.close();
	return;
}

function makeHeaderWN(){
	var header = new Array();
	var index = 0;
	header[index++] = '<a name="top"></a> ';
	// Begin Wrapper Table
	header[index++] = '<table width="760" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF" align="center">';
	header[index++] = '<tr>';
	header[index++] = '<td>';
	header[index++] = '<table width="760" border="0" cellspacing="0" cellpadding="0">';
	header[index++] = '<tr>';
	header[index++] = '<td rowspan="4" width="151" valign="top"><img src="' + imgdir + 'newlogo.gif" width="151" height="141" alt="SPE Federal Credit Union - Serving the Centre County Community"></td>';
	header[index++] = '<td width="142" background="' + imgdir + 'topbg.jpg"><img src="' + imgdir + 'logo_watermark.jpg" width="142" height="56"></td>';
	header[index++] = '<td background="' + imgdir + 'topbg.jpg" valign="middle" align="right" height="56"> ';
	// Login Area
	header[index++] = '<table width="300" border="0" cellspacing="0" cellpadding="0">';
	header[index++] = '<tr>';
	header[index++] = '<td width="133" background="' + imgdir + 'topbg.jpg" height="56"><img src="' + imgdir + 'spe-branch.gif" width="133" height="34" alt="SPe-Branch"></td>';
	header[index++] = '<td width="80" background="' + imgdir + 'topbg.jpg" height="56"><a href="https://ebranch.spefcu.org/" onMouseOver="img_act(\'login\'); window.status=\'Login\'; return true" onMouseOut="img_inact(\'login\');" target="login"><img src="' + imgdir + 'nav-login-off.gif" width="75" height="34" name="login" alt="Login" border="0"></a></td>';
	header[index++] = '<td background="' + imgdir + 'topbg.jpg"><!--<a href="https://ebranch.spefcu.org/" class="secondarylink" target="login">1<sup>st</sup> time users</a><br>--><a href="https://ebranch.spefcu.org/security.htm" class="secondarylink" target="login">Security</a></td>';
		header[index++] = '<td width="1"><img src="' + imgdir + 'topbg.jpg" border="0" height="56"></td>';
	header[index++] = '</tr>';
	header[index++] = '</table>';
	header[index++] = '</td>';
	header[index++] = '</tr>';
	header[index++] = '<tr valign="top"> ';
	header[index++] = '<td colspan="2" valign="top"><img src="' + imgdir + 'hed-photo.jpg" width="609" height="54"></td>';
	header[index++] = '</tr>';
	header[index++] = '<tr valign="top">';
	// Secondary Navigation
	header[index++] = '<td colspan="2" valign="top" align="right" background="' + imgdir + 'navbg.gif">';
	header[index++] = '<a href="' + homedir + '" onMouseOver="img_act(\'home\'); window.status=\'Home\'; return true" onMouseOut="img_inact(\'home\');"><img src="' + imgdir + 'nav-home-off.gif" width="49" height="22" name="home" alt="Home" border="0"></a>';
	header[index++] = '<a href="' + sitedir + 'contactus.html" onMouseOver="img_act(\'contact\'); window.status=\'Contact Us\'; return true" onMouseOut="img_inact(\'contact\');"><img src="' + imgdir + 'nav-contact-off.gif" width="76" height="22" name="contact" alt="Contact Us" border="0"></a>';
	header[index++] = '<a href="' + sitedir + 'applications.html" onMouseOver="img_act(\'apps\'); window.status=\'Applications\'; return true" onMouseOut="img_inact(\'apps\');"><img src="' + imgdir + 'nav-apps-off.gif" width="82" height="22" name="apps" alt="Applications" border="0"></a>';
	header[index++] = '<a href="' + sitedir + 'calculators.html" onMouseOver="img_act(\'calculators\'); window.status=\'Calculators\'; return true" onMouseOut="img_inact(\'calculators\');"><img src="' + imgdir + 'nav-calculators-off.gif" width="77" height="22" name="calculators" alt="Calculators" border="0"></a>';
	header[index++] = '<a href="' + sitedir + 'community.html" onMouseOver="img_act(\'community\'); window.status=\'Community\'; return true" onMouseOut="img_inact(\'community\');"><img src="' + imgdir + 'nav-community-off.gif" width="83" height="22" name="community" alt="Community" border="0"></a>';
	header[index++] = '</td>';
	header[index++] = '</tr>';
    header[index++] = '<tr>';
    header[index++] = '<td valign="top" align="center" colspan="2"><img src="' + imgdir + 'shadow.jpg" width="616" height="10"></td>';
    header[index++] = '</tr>';
	header[index++] = '</table>';
	header[index++] = '<table width="760" border="0" cellspacing="0" cellpadding="0">';
	header[index++] = '<tr>';
	// Main Navigation
	header[index++] = '<td width="144" background="' + imgdir + 'leftnavbg.gif" valign="top" align="center" class="whitetext" ';
	if (this.section!="home") 
		header[index++] = 'height="553"';
	header[index++] = '><a href="javascript://" onMouseOver="img_act(\'onlinebanking\'); window.status=\'Online Banking Services\'; popUp(\'HM_Menu1\',event); return true" onMouseOut="img_inact(\'onlinebanking\'); popDown(\'HM_Menu1\',event); return true"><img src="' + imgdir + 'nav-onlinebanking-off.gif" width="144" height="34" name="onlinebanking" alt="Online Banking Services" border="0"></a><br>';
	header[index++] = '<a href="javascript://" onMouseOver="img_act(\'products\'); window.status=\'Products and Services\'; popUp(\'HM_Menu2\',event); return true" onMouseOut="img_inact(\'products\'); popDown(\'HM_Menu2\',event); return true"><img src="' + imgdir + 'nav-products-off.gif" width="144" height="31" name="products" alt="Products and Services" border="0"></a><br>';
	header[index++] = '<a href="javascript://" onMouseOver="img_act(\'rates\'); window.status=\'Rates\'; popUp(\'HM_Menu3\',event); return true" onMouseOut="img_inact(\'rates\'); popDown(\'HM_Menu3\',event); return true"><img src="' + imgdir + 'nav-rates-off.gif" width="144" height="22" name="rates" alt="Rates" border="0"></a><br>';
	header[index++] = '<a href="javascript://" onMouseOver="img_act(\'membership\'); window.status=\'Membership\'; popUp(\'HM_Menu4\',event); return true" onMouseOut="img_inact(\'membership\'); popDown(\'HM_Menu4\',event); return true"><img src="' + imgdir + 'nav-membership-off.gif" width="144" height="23" name="membership" alt="Membership" border="0"></a><br>';
	header[index++] = '<a href="javascript://" onMouseOver="img_act(\'aboutus\'); window.status=\'About Us\'; popUp(\'HM_Menu5\',event); return true" onMouseOut="img_inact(\'aboutus\'); popDown(\'HM_Menu5\',event); return true"><img src="' + imgdir + 'nav-aboutus-off.gif" width="144" height="23" name="aboutus" alt="About Us" border="0"></a><br>';
	header[index++] = '<a href="' + sitedir + 'whatsnew.html" onMouseOver="img_act(\'whatsnew\'); window.status=\'Whats New\'; return true" onMouseOut="img_inact(\'whatsnew\'); return true"><img src="' + imgdir + 'nav-whatsnew-off.gif" width="144" height="23" name="whatsnew" alt="What\'s New" border="0"></a><br>';
	header[index++] = '<img src="' + imgdir + 'nav-bottom.gif" width="144" height="2" border="0"></a><br>';
	// Special Message Area
//	header[index++] = '<br><span class="sitemap">Free June Seminar</span><br>';
//	header[index++] = 'Buying A Car The Right Way<br>';
//	header[index++] = 'Wednesday, June 30<br>';
//	header[index++] = '<a href="' + sitedir + 'products_seminars.html" class="secondarylink">Click here for details</a><br>';
header[index++] = '<br>';
	header[index++] = '<a href="http://hffo.cuna.org/index.html?sub_id=37694" target="_blank"><img src="' + imgdir + 'hffrc_logo.jpg" width="110" height="63" alt="" border="0"></a>';
	header[index++] = '<br><br><!--Surcharge Free ATMS<br><img src="' + imgdir + 'CUATMS.gif" width="75" height="50" alt="CUATMS.gif 75x50" border="0"><br>--><a href="http://www.cudollar.org" target="_blank" class="secondarylink">Click for ATMs without a surcharge </a><Br><Br>';
	header[index++] = '<strong style="color:#FFFFFF">Holiday Closings</strong><br><br>April – September 2005<br><br><strong style="color:#FFFFFF">Monday, May 30</strong><br><br>Memorial Day<br><br><strong style="color:#FFFFFF">Monday, July 4</strong><br><br>Independence Day<br><br><strong style="color:#FFFFFF">Monday, September 5</strong><br><br>Labor Day';
	header[index++] = '</td>';
	header[index++] = '<td valign="top" align="center"><img src="' + imgdir + 'shadow.jpg" width="616" height="10"><br><img src="' + imgdir + 'clearpix.gif" width="1" height="8"> ';
	// Content Table
	header[index++] = '<table width="574" border="0" cellspacing="0" cellpadding="0">';
	header[index++] = '<tr>';
	header[index++] = '<td valign="top" class="ficontent">';
	header[index++] = '<img src="' + imgdir + 'hed-' + this.section + '.gif" border="0" alt=""><br>';
	header[index++] = '<img src="' + imgdir + 'greypix.gif" width="574" height="1"><br>';
	
	//header[index++] = '<img src="' + imgdir + 'Repo-Truck-1.jpg" width="195" height="193" border="0" align="right"><br />';
	//header[index++] = '<img src="' + imgdir + 'Repo-Truck-2.jpg" width="195" height="193" border="0" align="right">';
	
	
	/*if (this.section!="home") 
		header[index++] = '<br>';
	if (this.section != "privacy" && this.section != "disclosures" && this.section != "feeschedule" && this.section != "home" && this.section != "rates"  && this.subSection != "contactus"  && this.subSection != "signon" && this.subSection != "locations"){
		if(this.subSection!=""){
			header[index++] = '<img src="' + imgdir + 'photo-' + this.subSection + '.jpg" width="195" height="193" border="0" align="right">';
		} else {
			header[index++] = '<img src="' + imgdir + 'photo-' + this.section + '.jpg" width="195" height="193" border="0" align="right">';
		}
	}*/
	
	header[index++] = '<span class="ficontent">';
	document.open("text/html","replace");
	document.writeln(header.join(""));
	document.close();
	return;
}

function backTop(){
	document.open("text/html","replace");
	document.writeln('<div align="center"><a href="#top"><img src="' + imgdir + 'button-top.gif" width="67" height="24" alt="" border="0"></a></div><br>');
	document.close();
	return;
}

function makeFooter(){ 
	var footer = new Array();
	var index = 0;
	footer[index++] = '<br></span></td>';
	footer[index++] = '</tr>';
	footer[index++] = '</table></td>';
	footer[index++] = '</tr>';
	footer[index++] = '</table>';
	if (this.section != "home") {
		footer[index++] = '<img src="' + imgdir + 'clearpix.gif" width="1" height="1"><br>';
	} 
	// Footer Table
	footer[index++] = '<table width="760" border="0" cellspacing="0" cellpadding="0">';
	footer[index++] = '<tr>';
	footer[index++] = '<td width="447" bgcolor="#A4A4A4" class="whitetext">&nbsp;&nbsp;650 North Science Park Road, State College, PA 16803 (814) 237-5458<br>&nbsp;&nbsp;2601-A East College Avenue, State College, PA 16801 (814) 238-9619<br />&nbsp;&nbsp;Call us toll free at (877) 342-5975</td>';
	footer[index++] = '<td width="54" bgcolor="#A4A4A4"></td>';
	footer[index++] = '<td width="259" bgcolor="#A4A4A4" align="right"><a href="' + sitedir +'privacy.html" class="footerlink">Privacy Policy</a> &nbsp;<a href="' + sitedir +'disclosures.html" class="footerlink">Disclosures</a> &nbsp;<a href="' + sitedir +'feeschedule.html" class="footerlink">Fee Schedule</a>&nbsp;&nbsp;<br><img src="' + imgdir + 'clearpix.gif" width="150" height="5"></td>';
	footer[index++] = '</tr>';
	footer[index++] = '<tr> ';
	footer[index++] = '<td width="447" background="' + imgdir + 'footerbg.jpg" class="">&nbsp;&nbsp;<!--[if lt IE 7]><script type="text/javascript" src="https://www.spefcu.org/mstinc/web/js/png.js"></script><![endif]--><img src="https://www.spefcu.org/mstinc/web/images/ncua_351x32_blue_txt_w.png" width="351" height="32" border="0" alt="NCUA" style="margin-top:3px" /></td>';
	footer[index++] = '<td width="54" background="' + imgdir + 'footerbg.jpg" class="" align="center"><img src="' + imgdir + 'clearpix.gif" width="54" height="20"></td>';
	footer[index++] = '<td background="' + imgdir + 'footerbg.jpg" align="right" width="259">';
if (whatsnew != 1)
{
	footer[index++] = '<a href="' + sitedir + 'products_loans_visa.html"><img src="' + imgdir + 'verifiedbyvisa_25.gif" width="44" height="25" border="0" alt="Verified by Visa" vspace="4"></a><img src="' + imgdir + 'ehl.jpg" width="35" height="38" alt="Equal Housing Lender" border="0">';
}

	footer[index++] = '<a href="javascript: show_Warning(\'http://www.digitalinsight.com\');"><!--[if lt IE 7]><script type="text/javascript" src="https://www.spefcu.org/mstinc/web/js/png.js"></script><![endif]--><img src="https://www.spefcu.org/mstinc/web/images/di_91x22_1c_w.png" width="91" height="22" style="margin-bottom:5px; filter:alpha(opacity=75);-moz-opacity:.75;opacity:.75;" border="0" alt="Digital Insight, an Intuit company" /></a></td>';
	footer[index++] = '</tr>';
	footer[index++] = '</table>';
	footer[index++] = '</td>';
	footer[index++] = '</tr>';
	footer[index++] = '</table>';
	document.open("text/html","replace");
	document.writeln(footer.join(""));
	document.close();
	return;
}


function makefooterins(){ 
	var footer = new Array();
	var index = 0;
	footer[index++] = '<br></span></td>';
	footer[index++] = '</tr>';
	footer[index++] = '</table></td>';
	footer[index++] = '</tr>';
	footer[index++] = '</table>';
	if (this.section != "home") {
		footer[index++] = '<img src="' + imgdir + 'clearpix.gif" width="1" height="1"><br>';
	} 
	// Footer Table
	footer[index++] = '<table width="760" border="0" cellspacing="0" cellpadding="0">';
	footer[index++] = '<tr>';
	footer[index++] = '<td width="447" bgcolor="#A4A4A4" class="whitetext">&nbsp;&nbsp;650 North Science Park Road, State College, PA 16803 (814) 237-5458<br>&nbsp;&nbsp;2601-A East College Avenue, State College, PA 16801 (814) 238-9619</td>';
	footer[index++] = '<td width="54" bgcolor="#A4A4A4"></td>';
	footer[index++] = '<td width="259" bgcolor="#A4A4A4" align="right"><a href="' + sitedir +'privacy.html" class="footerlink">Privacy Policy</a> &nbsp;<a href="' + sitedir +'disclosures.html" class="footerlink">Disclosures</a> &nbsp;<a href="' + sitedir +'feeschedule.html" class="footerlink">Fee Schedule</a>&nbsp;&nbsp;<br><img src="' + imgdir + 'clearpix.gif" width="150" height="5"></td>';
	footer[index++] = '</tr>';
	footer[index++] = '<tr> ';
	footer[index++] = '<td width="447" background="' + imgdir + 'footerbg.jpg" class="">&nbsp;&nbsp;</td>';
	footer[index++] = '<td width="54" background="' + imgdir + 'footerbg.jpg" class="" align="center"><img src="' + imgdir + 'clearpix.gif" width="54" height="20"></td>';
	footer[index++] = '<td background="' + imgdir + 'footerbg.jpg" align="right" width="259">';
if (whatsnew != 1)
{
	footer[index++] = '<a href="' + sitedir + 'products_loans_visa.html"><img src="' + imgdir + 'verifiedbyvisa_25.gif" width="44" height="25" border="0" alt="Verified by Visa" vspace="4"></a><img src="' + imgdir + 'ehl.jpg" width="35" height="38" alt="Equal Housing Lender" border="0">';
}
	footer[index++] = '<a href="http://www.digitalinsight.com/" target="_blank"><!--[if lt IE 7]><script type="text/javascript" src="https://www.spefcu.org/mstinc/web/js/png.js"></script><![endif]--><img src="https://www.spefcu.org/mstinc/web/images/di_91x22_1c_w.png" width="91" height="22" style="margin-bottom:5px; filter:alpha(opacity=75);-moz-opacity:.75;opacity:.75;" border="0" alt="Digital Insight, an Intuit company" /></a></td>';
	footer[index++] = '</tr>';
	footer[index++] = '</table>';
	footer[index++] = '</td>';
	footer[index++] = '</tr>';
	footer[index++] = '</table>';
	document.open("text/html","replace");
	document.writeln(footer.join(""));
	document.close();
	return;
}