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charset="utf-8" ------=_NextPart_01C82ABC.4DC73BE0 Content-Location: file:///C:/B15244C5/10Escrow&TitleInsurance_files/slide0043.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" PowerPoint Presentation
California
Real Estate Principles =
Chapter 10
The Role of Escrow and = Title Insurance Companies
=
Thomson South-Western
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Chapter 10
1.Define escrow and list the legal <= /span>requirements for a valid escrow.
2.Describe the basic services provid= ed by title insurance companies.
3.Explain the differences between a = CLTA standard and an ALTA extended coverage title insurance policy.
4.Explain various closing costs and indicate who normally pays for each closing cost.
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LEGAL REQUIREMENTS FOR VALID SALE ESCROW
1.Binding contract between Buyer and <= span style=3D'position:absolute;top:47.82%;left:7.8%;width:86.39%;height:52.17%= '>Seller
2.Conditional Delivery of
1.Money: Deposit funds and monies
2.Documents: Transfer instruments
w=
w= Remember that . . .
w= Escrow instructions are confidential =
w= The escro= w agent must be strictly impartial agent for both buyer & seller
w= The escrow agent may not give tax, law or real estate advice to either party
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Escrow Disagreements
•Escrow agent cannot give legal advice.
•Halt until mutual agreement.
•Interpleader: Legal court action to resolve dispute between the parties.
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Who M= ay Act
§Escrow Laws
Corporation=
Ind= ependent*
Bank**
Saving &**
Loan
Attorney**
Title** Insurance Company
Real** Estate = Broker
Corporation = Commissioner
Bank = Commissioner
FSLIC = Commissioner
Bar = Association
Insurance = Commissioner
Real Estate = Commissioner
Only if Broker is involved in the Transaction
*License by Corp. Commissioner
**Exempt from escrow licensing law.
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Diffe= rent Practices
•Northern California
• Escrow handled by
• Title insurance Co
R= 26;
•Southern California
–Escrow ha= ndled by
– Independent escrow co. or = ;
– Title co. or
– Broker-owned escrow co.
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ESCRO= W
§N= eutral Third Party – Stakeholder
§C= losing costs are usually negotiable
§P= rovides custodian for funds and documents
§Pr= ovides Clearing House for Payments
§A= cts as an Agent for Prorations
3D"We'Close'M
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LIFE O= F AN ESCROW
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LIFE = OF AN ESCROW (cont)
continuation
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Presentation
LIFE = OF AN ESCROW (cont)
Title
Financing
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ESCROW FUNCTIONS
•A depository for funds and documents. <= /span>
•Clearinghouse for documents and funds <= /span>
•Calculate and compute closing costs
•Prepare escrow instructions
•Order status of loans and beneficiary demands = ;
•Process termite, home inspection & pest control reports
•Prepares financing instruments <= /div>
•Order title search and buyer preliminary title report
•Transfer impounds
•Requests hazard insurance policies
•Computes prorations
•Obtains documents and prepares Deeds to be recorde= d
•Disclose Appraisal
------=_NextPart_01C82ABC.4DC73BE0 Content-Location: file:///C:/B15244C5/10Escrow&TitleInsurance_files/slide0026.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" PowerPoint Presentation
Escrow Functions
<= /v:shape>
•Collects monies needed to close =
•Request new loans
•Prepare closing statements
•File Non-Foreign Status certificate
•Execute Bill of Sale for inventory and/or <= /span>personal property
<= span style=3D'font-size:88%'>•Disburses monies and documents after close<= span style=3D'font-size:88%;display:none'>
•Disclose Appraisal
<= span style=3D'font-size:88%'>•File Change of Ownership Tax Assessor Data
•Report Funds to IRS
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TERMIN= ATION OF ESCROW
•Full Performance of the sale, exchange= or refinance
•
•Mutually agreed - Cancellation
•
•Revocation or Refusal by one party; Le= gal problems
------=_NextPart_01C82ABC.4DC73BE0 Content-Location: file:///C:/B15244C5/10Escrow&TitleInsurance_files/slide0011.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" PowerPoint Presentation
Non-Recurring CLOSING COSTS
•Non-Recurring =3D One Time Costs
3D"$"
<= span style=3D'font-family:Tahoma'>üLoan Fees
<= span style=3D'font-family:Tahoma'>üAppraisal Report
<= span style=3D'font-family:Tahoma'>üCredit Report
<= span style=3D'font-family:Tahoma'>üPest Control
<= span style=3D'font-family:Tahoma'>üEscrow Fee
<= span style=3D'font-family:Tahoma'>üTax Service Fee
üDrawing, Notary, Recording Fees
<= span style=3D'font-family:Tahoma'>üTitle Insurance Policy Fee =
<= span style=3D'font-family:Tahoma'>üBroker Commission
<= span style=3D'font-family:Tahoma'>üTransfer Tax
ü<= span style=3D'font-family:Tahoma;font-size:117%;mso-special-format:lastCR;displ= ay: none'>
Note: ALL costs are negotiable between the parties unless <= /span>= restricted by the loan.
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Recurring CLOSING COSTS
3D"$"
<= span style=3D'font-family:Tahoma;font-size:117%'>ü<= /span>Insurance : Hazard, = Flood, Mortgage (MIP, PMI)
<= span style=3D'font-family:Tahoma;font-size:117%'>ü<= /span>Property Taxes
<= span style=3D'font-family:Tahoma;font-size:117%'>ü<= /span>Interest on Loans <= /span>
<= span style=3D'font-family:Tahoma;font-size:117%'>ü<= /span>Impound Deposits
ü<= span style=3D'font-family:Tahoma;font-size:117%;mso-special-format:lastCR;displ= ay: none'>
Recurring =3D Continue repeated costs
Note: ALL costs are negotiable between the parties unless restricted by the loan.
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PRORATIONS
Equitable division of costs
<= /v:shape>
•Every month =3D 30 Days
•Every Year =3D 360 Days
•# of Days= x Rate Per Day =3D Share of Expense
•Common items prorated: association dues, interest,= taxes, insurance & prepaid rent
Credit is an Entry Made in Fav= or of the Party
Debit is an Entry to be Paid b= y the Party
Deeds typically record at 8:00 a.m.
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TYPICAL CLOSING STATEMENT
•        = ;            &n= bsp;            = ;        Buyer        = ;   Seller
•Debit   Credit   Debit   Credit
•Prepaid rents        = ;            &n= bsp;            = ;        xxxx    xxxx=
•Documentary transfer tax        = ;            &n= bsp;            xxxx
•Prepayment penalties        = ;            &n= bsp;            = ;       xxxx
•Termite inspection/correction   =   xxxx
•Seller&= #8217;s CLTA title ins policy        = ;            &n= bsp;     xxxx
•Brokerage commission        = ;            &n= bsp;            = ;    xxxx
•Recording Fees        = ;            &n= bsp;     xxxx     =           xxxx
•Payoff = of Existing Loan        = ;            &n= bsp;            = ;  xxxx
•Discount points   xxxx
•Any “seller pays” fees         = ;     xxxx
•Seller’s Net Proceeds        = ;            &n= bsp;            = ;            &n= bsp;      xxxxx
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TYPICAL CLOSING STATEMENT
• Buyer        = ;  Seller
•Debit   Credit   Debit   Credit
•Sales Price        = ;            &n= bsp;             xxxx        = ;            &n= bsp;        xxxx
•Buyer’s initial deposit         = ;        xxxx
•Buyer’s new loan        = ;            &n= bsp;            = ;   xxxx
•Balance of Buyer’s Deposit        = ;            xxxx
•Appraisal        = ;            &n= bsp;            = ;   xxxx
•Loan origination fee        = ;           xxxx
•New fire Ins. Policy        = ;            xxxx
•Credit report        = ;            &n= bsp;           xxxx
•Drawing Fee/Notary        = ;           xxxx
•Lender’s ALTA Title        = ;          xxxx
•Any “buyer pays” fees     xxxx
•Tax service  & impounds        = ;    xxxx
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TITLE INSURANCE PROCESS
Search
Examine
Chain of Title
Preliminary Title Report=
Escrow
Title Policy
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TITLE COMPANY BASIC FUNCTIONS
To assure marketa= ble title
•Search and Gather Title Records
–Courthouse search
–Title Plant search
•Examine and Interpret Title Records
–Compile a Chain of title
–Identifies existing encumbrances
–Issue a Preliminary Title Report with encumbrances=
•Issues insurance policies
–Insured against defects in title
–Additional assurance over seller’s representations
•Escrow the Real Estate Transaction
–Collect all instruments of transfer
–Close transaction
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TITLE INSURANCE COVERAGE
 CLTA S= tandard Coverage
•Types: Owner’s * Lender’s * Joint Protection
•Risks insured against
•Undisclosed public record
•Forgery
•Incompetence of Parties
•Marketable Title
•Street Access
•NOT Insured:
•Matter not of public record
•Zoning and use of the property <= /div>
•Mining and water claims
•Undisclosed KNOWN defects not revealed to title company
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  TITLE INSURANCE COVERAGE
 ALTA Extended Coverage
•Types: ALTA Lender’s * ALTA-R Homeowner's=
•Risks insured against
•All Items under standard coverage, plus
•Unrecorded liens & encumbrances not shown in t= he courthouse
•Potential mechanic’s liens
•Easement by prescription
•Encroachments and adverse possession
•Parties in possession, other than the property owner(s)
•Mining claims & water rights
•NOT insured:
•Zoning and property use
•Known defects not disclosed to title company
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Review Quiz Chapter 10
1.Which of the following is not exempt from the es= crow licensing law?
w= (a) trust companies
w= (b) escrow companies
w= (c) title insurance companies
w(d) real estate brokers when acting as an agent in the = transaction
w=
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<= span style=3D'font-size:75%'>2.A history of title transfers for a particular parcel of land <= span style=3D'position:absolute;top:11.51%;left:5.16%;width:81.11%;height:12.72= %'>is a/an:
w= (a) preliminary report
w= (b) title insurance policy
w= (c) abstracter index
w= (d) chain of title
•
Review Quiz Chapter 10
3. W= hich insurance policy requires the title company to make a physical inspection of the property?
(a) CLTA
(b) standard
(c) RESPA
(d) ALTA
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4.  There are certain requirements th= at must be met before a transaction can be placed in escrow. They are:
(a) a binding contract betwe= en buyer and seller
(b) a neutral third party is employed
(c) conditional delivery of all documents related to sale
(d) all of the above
Review Quiz Chapter 10
5.Which of the following is normally paid by the seller?
• (a) prepayment penalty <= /span>
• (b) credit report fee
• (c) recording fee for the tr= ust deed
• (d) loan origination fee = ;
•
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<= span style=3D'mso-special-format:"numbullet3\,6";position:absolute;left:-5.47%'= >6.When an escrow officer receives conflicting instruction that cannot be resolved by the parties, the escrow officer can file a legal action in court called:
(a) arbitration
(b) hold harmless
(c) interpleader
(d) settlement suit
Review Quiz Chapter 10
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7.Which law prohibits a real estate agent from recei= ving a referral fee from an escrow or title company?
• (a) Truth in Lending
• (b) Regulation Z =
• (c) RESPA
• (d) all of the above<= /div>
<= span style=3D'mso-special-format:"numbullet3\,8";position:absolute;left:-6.36%'= >8.Title insurance does not cover publicly disclosed:
(a) easements
(b) zoning ordinances
(c) deeds of trust
(d) corporation commission= 3;
Review Quiz Chapter 10
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9.Title insurance rates are set by:
• (a) title companies
• (b) insurance commissioner&#= 13;
• (c) real estate commissioner=
• (d) corporation commissioner=
10.
<= span style=3D'mso-special-format:"numbullet3\,10";position:absolute;left:-5.56%= '>10.On behalf of the buyer and seller, the escrow officer acts as:
(a) an employee
(b) an independent contracto= r
(c) an agent
(d) a licensee
Review Quiz Chapter 10
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Review Quiz – Ch= apter 10
Answers
1.B 6. C
2.
2.D 7. C
3.
3.D 8. B
4.
4.D 9. A
5.
5.A 10. C
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if( !g_supportsPPTHTML ) { =09 sld.style.visibility=3D"visible" return } if( MakeNotesVis() ) return runAnimations =3D _InitAnimations(); =09 if( IsWin("PPTSld") ) parent.SldUpdated(GetSldId()) g_origSz=3DparseInt(SlideObj.style.fontSize) g_origH=3Dsld.style.posHeight g_origW=3Dsld.style.posWidth g_scaleHyperlinks=3D(document.all.tags("AREA").length>0) if( g_scaleHyperlinks ) InitHLinkArray() if( g_scaleInFrame||(IsWin("PPTSld") && parent.IsFullScrMode() ) ) document.body.scroll=3D"no" _RSW() if( IsWin("PPTSld") && parent.IsFullScrMode() ) FullScrInit(); =09 MakeSldVis(); ChkAutoAdv() if( runAnimations ) { if( document.all("NSPlay") ) document.all("NSPlay").autoStart =3D false; if( sld.filters && sld.filters.revealtrans ) setTimeout( "document.body.start()", sld.filters.revealtrans.duration * = 1000 ); else document.body.start(); } } function MakeSldVis()=20 { var fTrans=3Dg_showAnimation && SldHasTrans() if( fTrans )=09 { if( g_bgSound ) { idx=3Dg_bgSound.indexOf(","); 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navigator.appVersion.indexOf("Windows")>0 ) } function SupportsPPTHTML() { var appVer=3Dnavigator.appVersion, msie=3DappVer.indexOf("MSIE "), ver=3D0 if( msie >=3D 0 ) ver=3DparseFloat( appVer.substring( msie+5, appVer.indexOf(";",msie) ) ) else ver=3DparseInt(appVer) return( ver >=3D 4 && msie >=3D 0 ) } function _RSW() { if( !g_supportsPPTHTML || IsNts() || ( !g_scaleInFrame && (!IsWin("PPTSld") || !parent.IsFullScrMode()) ) ) return var padding=3D0; if( IsWin("PPTSld") && parent.IsFramesMode() ) padding=3D6 cltWidth=3Ddocument.body.clientWidth-padding cltHeight=3Ddocument.body.clientHeight-padding factor=3D(1.0*cltWidth)/g_origW if( cltHeight < g_origH*factor ) factor=3D(1.0*cltHeight)/g_origH newSize =3D g_origSz * factor if( newSize < 1 ) newSize=3D1 s=3DSlideObj.style s.fontSize=3DnewSize+"px" s.posWidth=3Dg_origW*factor s.posHeight=3Dg_origH*factor s.posLeft=3D(cltWidth-s.posWidth+padding)/2 s.posTop=3D(cltHeight-s.posHeight+padding)/2 if( g_scaleHyperlinks ) ScaleHyperlinks( factor ) } function _InitAnimations() { animRuntimeInstalled =3D ''+document.body.localTime !=3D 'undefined'; isFullScreen =3D (window.name =3D=3D "PPTSld") && !parent.IsFramesMode(); g_animUseRuntime =3D g_showAnimation && animRuntimeInstalled && !(isFullSc= reen && parent.IsSldVisited()); if( g_animUseRuntime ) { collSeq =3D document.all.tags("seq"); if( collSeq !=3D null ) { for(ii=3D0;ii numSlds ) gSldJumpIdx =3D numSlds; if ( gSldJumpIdx >=3D 0 ) { if ( gSldJumpIdx =3D=3D 0 ) gSldJumpIdx =3D 1; var jumpTo =3D parseInt(gSldJumpIdx); gSldJump =3D 0; gSldJumpIdx =3D ""; win.GoToSld( parent.GetSldList().mList[jumpTo-1].mSldHref ) } } } function _KDH() { if( event.keyCode =3D=3D 8 ) { event.returnValue =3D 0; parent.GoToPrevSld(); } }function DocumentOnClick() { if( IsNts() || parent.HideMenu() ) return; if( ( g_allowAdvOnClick && (window.name=3D=3D"PPTSld") && !parent.IsFrames= Mode() ) || (event && event.keyCode=3D=3D32) ) { =09 if( g_animUseRuntime && g_animMainSequence && g_animMainSequence.cangonex= t ) return; parent.GoToNextSld(); } } var g_supportsPPTHTML =3D SupportsPPTHTML(), g_scaleInFrame =3D 1, gId=3D""= , g_bgSound=3D"", g_scaleHyperlinks =3D false, g_allowAdvOnClick =3D 1, g_showInBrowser = =3D 0, gLoopCont =3D 0, gUseSldTimings =3D 1; var g_showAnimation =3D g_supportsPPTHTML && SupportsPPTAnimation() && ( (w= indow.name=3D=3D"PPTSld" && !parent.IsFramesMode()) || g_showInBrowser );va= r g_animManager =3D null; var g_animUseRuntime =3D false; var g_animItemsToHide, g_animInteractiveItems, g_animSlideTime; var g_animMainSequence =3D null; var ENDSHOW_MESG=3D"End of slide show, click to exit.", SCREEN_MODE=3D"Fram= es", gIsEndShow=3D0, NUM_VIS_SLDS=3D31, SCRIPT_HREF=3D"script.js", FULLSCR_= HREF=3D"fullscreen.htm"; var gCurSld =3D gPrevSld =3D 1, g_offset =3D 0, gNtsOpen =3D gHasNts =3D gO= tlTxtExp =3D 0, gHasNarration =3D 0, gOtlOpen =3D true window.gPPTHTML=3DSupportsPPTHTML() var g_fBaseHyperlink =3D false; var gMainDoc=3Dnew Array(new hrefList("slide0043.htm",1,-1,1),new hrefList(= "slide0034.htm",1,-1,1),new hrefList("slide0005.htm",1,-1,1),new hrefList("= slide0006.htm",1,-1,1),new hrefList("slide0008.htm",1,-1,1),new hrefList("s= lide0031.htm",1,-1,1),new hrefList("slide0009.htm",1,-1,1),new hrefList("sl= ide0007.htm",1,-1,1),new hrefList("slide0001.htm",1,-1,1),new hrefList("sli= de0002.htm",1,-1,1),new hrefList("slide0003.htm",1,-1,1),new hrefList("slid= e0004.htm",1,-1,1),new hrefList("slide0010.htm",1,-1,1),new hrefList("slide= 0026.htm",1,-1,1),new hrefList("slide0027.htm",1,-1,1),new hrefList("slide0= 011.htm",1,-1,1),new hrefList("slide0041.htm",1,-1,1),new hrefList("slide00= 12.htm",1,-1,1),new hrefList("slide0015.htm",1,-1,1),new hrefList("slide001= 3.htm",1,-1,1),new hrefList("slide0032.htm",1,-1,1),new hrefList("slide0017= .htm",1,-1,1),new hrefList("slide0018.htm",1,-1,1),new hrefList("slide0020.= htm",1,-1,1),new hrefList("slide0035.htm",1,-1,1),new hrefList("slide0042.h= tm",1,-1,1),new hrefList("slide0036.htm",1,-1,1),new hrefList("slide0037.ht= m",1,-1,1),new hrefList("slide0038.htm",1,-1,1),new hrefList("slide0039.htm= ",1,-1,1),new hrefList("slide0040.htm",1,-1,1)); /********************************************* Frameset functions These functions control slide navigation and state of the frameset. **********************************************/ function RemoveFilePrefixFromHref(href) { var regExp =3D /^file:\/\/\//i; return href.replace(regExp, "") } function FullScrInit() { g_allowAdvOnClick =3D GetCurSld().mAdvOnClk document.body.style.backgroundColor=3D"black" document.oncontextmenu=3Dparent._CM; document.onkeydown =3D _KDH; document.ondragstart=3DCancel document.onselectstart=3DCancel self.focus() } function Redirect( frmId ) {=09 var str=3Ddocument.location.hash,idx=3Dstr.indexOf('#'), sId=3DGetSldId() if(idx>=3D0) str=3Dstr.substr(1); if( window.name !=3D frmId && ( sId !=3D str) ) { obj =3D GetObj("Main-File") window.location.href=3Dobj.href+"#"+sId return 1 } return 0 } var MHTMLPrefix =3D CalculateMHTMLPrefix();=20 function CalculateMHTMLPrefix() { if ( document.location.protocol =3D=3D 'mhtml:') {=20 href=3Dnew String(document.location.href)=20 Start=3Dhref.indexOf('!')+1=20 End=3Dhref.lastIndexOf('/')+1=20 if (End < Start)=20 return href.substring(0, Start)=20 else=20 return href.substring(0, End)=20 } return ''; } function GetTags(base,tag) { if(g_supportsPPTHTML) return base.all.tags(tag); else return base.getElementsByTagName(tag); } function UpdNtsPane(){ if(frames["PPTNts"]) PPTNts.location.replace( MHTMLP= refix+GetHrefObj( gCurSld ).mNtsHref ) } function UpdNavPane( sldIndex ){ if(gNavLoaded) PPTNav.UpdNav() } function UpdOtNavPane(){ if(gOtlNavLoaded) PPTOtlNav.UpdOtlNav() } function UpdOtlPane(){ if(gOtlLoaded) PPTOtl.UpdOtl() } function SetHasNts( fVal ) { if( gHasNts !=3D fVal ) { gHasNts=3DfVal UpdNavPane() } } function ToggleOtlText() { gOtlTxtExp=3D!gOtlTxtExp UpdOtlPane() } function ClearMedia() { // Clear any sounds playing before launching another browser window. Other= wise, // in fullscreen mode, you'll continue to hear the sound in the frames mod= e. if (PPTSld.pptSound) PPTSld.pptSound.loop =3D 0; } function FullScreen() {=20 if ( PPTSld.g_animUseRuntime ) PPTSld.document.body.pause(); ClearMedia(); var href =3D ( document.location.protocol =3D=3D 'mhtml:') ? FULLSCR_HREF = : FULLSCR_HREF+"#"+GetHrefObj(gCurSld).mSldHref; if (MHTMLPrefix !=3D "") href =3D RemoveFilePrefixFromHref(href) if(PPTNav.event.ctrlKey) { var w =3D (window.screen.availWidth * 1.0) / 2.0 var h =3D w * (PPTSld.g_origH * 1.0) / PPTSld.g_origW win =3D window.open( MHTMLPrefix+href,null,"toolbar=3D0,resizable=3D1,top= =3D0,left=3D0," + "width=3D"+ w + ",height=3D" + h ); if( win.document.body && PPTSld.g_animUseRuntime ) win.document.body.PPTSldFrameset=3Dwindow; } else { win =3D window.open( MHTMLPrefix+href,null,"fullscreen=3Dyes" ); if( win.document.body && PPTSld.g_animUseRuntime ) win.document.body.PPTSldFrameset=3Dwindow; } } function ToggleVNarration() { rObj=3DPPTSld.document.all("NSPlay") if( rObj && !PPTSld.g_animUseRuntime ) { if( (rObj.playState =3D=3D 1)||(rObj.playState =3D=3D 0) ) rObj.Play() else if( rObj.playState =3D=3D 2 ) rObj.Pause() else return; } else if( PPTSld.g_animUseRuntime ) { narObj =3D PPTSld.document.all("narrationID") if( narObj ) narObj.togglePause() } } function GetCurSldNum() { =20 obj=3DGetHrefObj(gCurSld) if( obj.mOrigVis =3D=3D 1 ) return obj.mSldIdx else =20 return gCurSld } function GetNumSlds() { =20 if( GetHrefObj(gCurSld).mOrigVis =3D=3D 1 ) return GetSldList().mNumVisSlds; else return GetSldList().mList.length } function GetSldNum( href ) { for(ii=3D0; ii 1 ) PopSldList(); else if( !IsFramesMode() ) { if( gLoopCont ) GoToFirst() else EndShow() } } function GoToPrevSld() { ii=3DgCurSld-1 if( ii > 0 ) { obj=3DGetHrefObj(ii) while ( obj && ( obj.mVis =3D=3D 0 ) && ( ii>0 ) ) obj=3DGetHrefObj(--ii) if( ii =3D=3D 0 ) ii=3D1 GoToSldNum(ii) } } function GoToFirst(){ GoToSld( GetHrefObj(1).mSldHref ) } function GoToLast() { ii=3DGetSldList().mList.length if( ii !=3D gCurSld ) GoToSld( GetHrefObj(ii).mSldHref ) } function GoToSldNum( num ) { if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue obj =3D GetHrefObj( num ) obj.mVis=3D1 gPrevSld=3DgCurSld gCurSld =3D num; =09 if (MHTMLPrefix !=3D "") PPTSld.location.replace(MHTMLPrefix+RemoveFilePrefixFromHref(obj.mSldHref= )) else PPTSld.location.replace(obj.mSldHref) =09 if( IsFramesMode() ) { UpdNavPane(); UpdOtlPane(); UpdNtsPane() } } function GoToSld( href ) { if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue GetHrefObj( GetSldNum(href) ).mVis=3D1 if (MHTMLPrefix !=3D "") PPTSld.location.replace(MHTMLPrefix+RemoveFilePrefixFromHref(href)) else PPTSld.location.replace(href) } function SldUpdated( id ) { if( id =3D=3D GetHrefObj(gCurSld).mSldHref ) return gPrevSld=3DgCurSld gCurSld=3DGetSldNum(id) if( IsFramesMode() ) { UpdNavPane(); UpdOtlPane(); UpdNtsPane() } } function PrevSldViewed(){ GoToSld( GetHrefObj(gPrevSld).mSldHref ) } function HasPrevSld() { return ( gIsEndShow || ( gCurSld !=3D 1 && GetHrefO= bj( gCurSld-1 ).mVis =3D=3D 1 )||( GetCurSldNum() > 1 ) ) } function HasNextSld() { return (GetCurSldNum() !=3D GetNumSlds()) } function CloseWindow() { if( HideMenu() ) return; =09 var event =3D PPTSld.event; if( !IsFramesMode() && event && (event.keyCode=3D=3D27 || event.keyCode=3D= =3D32 || event.type=3D=3D"click" ) ) window.close( self ); CatchNumKeys( self, event ); } function Unload() { gIsEndShow=3D0; } function SetupEndShow() { gIsEndShow=3D1; PPTSld.document.body.scroll=3D"no"; PPTSld.document.onkeypress=3DCloseWindow; PPTSld.document.onclick=3DCloseWindow; PPTSld.document.oncontextmenu=3D_CM; } function EndShow() { if( IsFramesMode() ) return if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue doc=3DPPTSld.document var dir =3D doc.body.dir if( dir !=3D "rtl" ) dir =3D "ltr"; doc.open() doc.writeln('


' + ENDSHOW_MESG + '

') doc.close() } function SetSldVisited(){ GetSldList().mList[gCurSld-1].mVisited=3Dtrue } function IsSldVisited(){ return GetSldList().mList[gCurSld-1].mVisited } function hrefList( sldHref, visible, advDelay, advClk ) { this.mSldHref=3D this.mNtsHref =3D sldHref this.mOrigVis=3D this.mVis =3D visible this.mVisited=3D false this.mAdvDelay=3D advDelay this.mAdvOnClk=3D advClk } function SldList(arr,curSld,fEnd) { this.mCurSld =3D curSld; this.mList =3D new Array(); var idx =3D 1; for(ii=3D0;ii 0) { PushSldList(sldList,fEnd); gCurSld =3D 1; } else if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue } function PushSldList(arr,fEnd) { var ii =3D gSldStack.length; gSldStack[ii] =3D new SldList(arr,gCurSld,fEnd); GoToSld( gSldStack[ii].mList[0].mSldHref ); } function PopSldList() { if (gSldStack[gSldStack.length-1].fEndShow) EndShow() else { gCurSld =3D gSldStack[gSldStack.length-1].mCurSld; gSldStack[gSldStack.length-1] =3D null; gSldStack.length--; var sldList =3D gSldStack[gSldStack.length-1]; GoToSld( sldList.mList[gCurSld - 1].mSldHref ); } } var custShowList=3Dnew Array(); /********************************************* Navigation button implementation There are 2 types of buttons: ImgBtn, TxtBtn implemented as function objects. They share a similiar interface so the event handlers can call SetActive, for example, on a button=20 object without needing to know exactly=20 what type of button it is. **********************************************/ //---------------------------------- function ImgBtn( oId,bId,w,action ) //---------------------------------- { var t=3Dthis t.Perform =3D _IBP t.SetActive =3D _IBSetA t.SetInactive=3D _IBSetI t.SetPressed =3D _IBSetP t.SetDisabled=3D _IBSetD t.Enabled =3D _IBSetE t.ChangeIcon =3D null t.UserAction =3D action t.ChgState =3D _IBUI t.mObjId =3D oId t.mBorderId=3D bId t.mWidth =3D w t.mIsOn =3D t.mCurState =3D 0 } function _IBSetA() { if( this.mIsOn ) { obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 ) obj.style.posTop=3D0 } } function _IBSetI() { if( this.mIsOn ) { obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 ) obj.style.posTop=3D0=20 } } function _IBSetP() { if( this.mIsOn ) { obj=3Dthis.ChgState( gShadowClr,gHiliteClr,2 ) obj.style.posLeft+=3D1; obj.style.posTop+=3D1 } } function _IBSetD() { =20 obj=3Dthis.ChgState( gFaceClr,gFaceClr,0 ) obj.style.posTop=3D0=20 } function _IBSetE( state ) { var t=3Dthis GetObj( t.mBorderId ).style.visibility=3D"visible" if( state !=3D t.mIsOn ) { t.mIsOn=3Dstate if( state ) t.SetInactive() else t.SetDisabled() } } function _IBP() { var t=3Dthis if( t.mIsOn ) { if( t.UserAction !=3D null ) t.UserAction() if( t.ChangeIcon ) { obj=3DGetObj(t.mObjId) if( t.ChangeIcon() ) obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-4)*t.mWidth else obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-0)*t.mWidth } t.SetActive() } =20 } function _IBUI( clr1,clr2,nextState ) { var t=3Dthis SetBorder( GetObj( t.mBorderId ),clr1,clr2 ) obj=3DGetObj( t.mObjId ) obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-nextState)*t.mWidth-obj= .style.posTop t.mCurState=3DnextState return obj } //----------------------------------------- function TxtBtn( oId,oeId,action,chkState ) //----------------------------------------- { var t=3Dthis t.Perform =3D _TBP t.SetActive =3D _TBSetA t.SetInactive=3D _TBSetI t.SetPressed =3D _TBSetP t.SetDisabled=3D _TBSetD t.SetEnabled =3D _TBSetE t.GetState =3D chkState t.UserAction =3D action t.ChgState =3D _TBUI t.mObjId =3D oId t.m_elementsId=3D oeId t.mIsOn =3D 1 } function _TBSetA() { var t=3Dthis if( t.mIsOn && !t.GetState() ) t.ChgState( gHiliteClr,gShadowClr,0,0 ) } function _TBSetI() { var t=3Dthis if( t.mIsOn && !t.GetState() ) t.ChgState( gFaceClr,gFaceClr,0,0 ) } function _TBSetP() { if( this.mIsOn ) this.ChgState( gShadowClr,gHiliteClr,1,1 ) } function _TBSetD() { =20 this.ChgState( gFaceClr,gFaceClr,0,0 ) this.mIsOn =3D 0 } function _TBSetE() { var t=3Dthis if( !t.GetState() ) t.ChgState( gFaceClr,gFaceClr,0,0 ) else t.ChgState( gShadowClr,gHiliteClr,1,1 ) t.mIsOn =3D 1 } function _TBP() { var t=3Dthis if( t.mIsOn ) {=20 if( t.UserAction !=3D null ) t.UserAction() if( !t.GetState ) return if( t.GetState() ) t.SetPressed() else t.SetActive() } =20 } function _TBUI( clr1,clr2,lOffset,tOffset ) { SetBorder( GetObj( this.mObjId ),clr1,clr2 ) Offset( GetObj( this.m_elementsId ),lOffset,tOffset ) } function Offset( obj, top, left ){ obj.style.top=3Dtop; obj.style.left=3Dle= ft } function SetBorder( obj, upperLeft, lowerRight ) { s=3Dobj.style; s.borderStyle =3D "solid" s.borderWidth =3D 1=20 s.borderLeftColor =3D s.borderTopColor =3D upperLeft s.borderBottomColor=3D s.borderRightColor =3D lowerRight } function GetBtnObj(){ return gBtnArr[window.event.srcElement.id] } function BtnOnOver(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetActive() } function BtnOnDown(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetPressed() } function BtnOnOut(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetInactive() } function BtnOnUp() { b=3DGetBtnObj() if( b !=3D null ) b.Perform() else Upd() } function GetNtsState(){ return parent.gNtsOpen } function GetOtlState(){ return parent.gOtlOpen } function GetOtlTxtState(){ return parent.gOtlTxtExp } function NtsBtnSetFlag( fVal ) { s=3Ddocument.all.item( this.m_flagId ).style s.display=3D"none" if( fVal ) s.display=3D"" else s.display=3D"none" } function _BSetA_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etActive() } function _BSetI_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etInactive() } function _BSetP_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etPressed() } function _BSetA_BorderImg() {=20 b =3D gBtnArr[this.mBorderId]=20 if( b !=3D null && this.mIsOn && !b.GetState() ) { obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 ) obj.style.posTop=3D0 } } function _BSetI_BorderImg() {=20 b =3D gBtnArr[this.mBorderId] if( b !=3D null && this.mIsOn && !b.GetState() ) { obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 ) obj.style.posTop=3D0 } } var gHiliteClr=3D"THREEDHIGHLIGHT",gShadowClr=3D"THREEDSHADOW",gFaceClr=3D"= THREEDFACE" var gBtnArr =3D new Array() gBtnArr["nb_otl"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOtlPan= e,GetOtlState ) gBtnArr["nb_otlElem"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOt= lPane,GetOtlState ) gBtnArr["nb_nts"] =3D new ImgBtn( "nb_nts","nb_ntsBorder",10,parent.ToggleN= tsPane ) gBtnArr["nb_nts"].SetActive =3D _BSetA_BorderImg; gBtnArr["nb_nts"].SetInactive =3D _BSetI_BorderImg; gBtnArr["nb_ntsBorder"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.= ToggleNtsPane,GetNtsState ) gBtnArr["nb_ntsElem"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.To= ggleNtsPane,GetNtsState ) gBtnArr["nb_prevBorder"] =3D gBtnArr["nb_prev"]=3D new ImgBtn( "nb_prev","n= b_prevBorder",30,parent.GoToPrevSld ) gBtnArr["nb_nextBorder"] =3D gBtnArr["nb_next"]=3D new ImgBtn( "nb_next","n= b_nextBorder",30,parent.GoToNextSld ) gBtnArr["nb_sldshw"]=3D new ImgBtn( "nb_sldshw","nb_sldshwBorder",18,parent= .FullScreen ) gBtnArr["nb_sldshwBorder"] =3D new TxtBtn( "nb_sldshw","nb_sldshwBorder",pa= rent.FullScreen,null ) gBtnArr["nb_sldshwBorder"].SetActive =3D _BSetA_Border; gBtnArr["nb_sldshwBorder"].SetInactive =3D _BSetI_Border; gBtnArr["nb_sldshwText"] =3D new TxtBtn( "nb_sldshw","nb_sldshwText",parent= .FullScreen,null ) gBtnArr["nb_sldshwText"].SetActive =3D _BSetA_Border; gBtnArr["nb_sldshwText"].SetInactive =3D _BSetI_Border; gBtnArr["nb_voice"] =3D gBtnArr["nb_voiceBorder"] =3D new ImgBtn( "nb_voice= ","nb_voiceBorder",18,parent.ToggleVNarration ) gBtnArr["nb_otlTxtBorder"] =3D gBtnArr["nb_otlTxt"]=3D new ImgBtn( "nb_otlT= xt","nb_otlTxtBorder",23,parent.ToggleOtlText ) gBtnArr["nb_ntsBorder"].m_flagId=3D "nb_nts" gBtnArr["nb_ntsBorder"].SetFlag =3D NtsBtnSetFlag gBtnArr["nb_otlTxt"].ChangeIcon=3D GetOtlTxtState /********************************************* Context menu implementation _CM() is the function that's hooked up to the oncontextmenu event. Once we're asked to show the menu, we first build it by creating DIVs on-the-fly. Then we position it=20 within the screen area so it doesn't get clipped. Creating the DIVs using createElement() means we don't have to write out any extra HTML into the slide HTML files. **********************************************/ var sNext=3D"Next",sPrev=3D"Previous",sEnd=3D"End Show",sFont=3D"Arial",sAr= row=3D"Arrow",sFreeform=3D"Freeform",sRect=3D"Rectangle",sOval=3D"Oval" function ShowMenu() { BuildMenu(); var doc=3DPPTSld.document.body,x=3DPPTSld.event.clientX+doc.scrollLeft,y= =3DPPTSld.event.clientY+doc.scrollTop m =3D PPTSld.document.all.item("ctxtmenu") m.style.pixelLeft=3Dx if( (x+m.scrollWidth > doc.clientWidth)&&(x-m.scrollWidth > 0) ) m.style.pixelLeft=3Dx-m.scrollWidth m.style.pixelTop=3Dy if( (y+m.scrollHeight > doc.clientHeight)&&(y-m.scrollHeight > 0) ) m.style.pixelTop=3Dy-m.scrollHeight m.style.display=3D"" } function _CM() { if( !parent.IsFullScrMode() ) return; if(!PPTSld.event.ctrlKey) { ShowMenu() return false } else HideMenu() } function BuildMenu() { if( PPTSld.document.all.item("ctxtmenu") ) return var mObj=3DCreateItem( PPTSld.document.body ) mObj.id=3D"ctxtmenu" mObj.style.visibility=3D"hidden" var s=3DmObj.style s.position=3D"absolute" s.cursor=3D"default" s.width=3D"120px" SetCMBorder(mObj,"menu","black") var iObj=3DCreateItem( mObj ) SetCMBorder( iObj, "threedhighlight","threedshadow" ) iObj.style.padding=3D2 CreateMenuItem( iObj,sNext,M_GoNextSld,M_True ) CreateMenuItem( iObj,sPrev,M_GoPrevSld,M_HasPrevSld ) =09 CreateSeparator( iObj ) CreateMenuItem( iObj,sEnd,M_End,M_True ) mObj.style.visibility=3D"visible" } function Cancel() { window.event.cancelBubble=3Dtrue; 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charset="us-ascii" PowerPoint Presentation ------=_NextPart_01C82ABC.4DC73BE0 Content-Location: file:///C:/B15244C5/10Escrow&TitleInsurance_files/outline.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii"
 No= tes
Slide Show
Outline
= = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =
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