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charset="us-ascii" Chapter 7
California
Real Estate Principles =
Chapter 7
Introduction to Real Estate Finance=
=
Thomson South-Western
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Chapter 7
1.Describe the types of promissory notes, then explain adjustable rate loans. <= /div>
2.Explain a deed of trust (trust deed), a mortgage, = installment sales contract, and foreclosure procedures.
3.Define clauses common to financing documents: acceleration, alienation, subordination, prepayment penalty.
4.Outline the principles of loan regulations: Truth-= In-Lending, RESPA, Fair Credit, Real Fair <= /span>Credit Reporting and Property Loan Law.
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Finan= cing Process
1.APPLICATION: Lender form used to acquire information on income, credit and assets.
2.ANALYSIS: Verification of income, credit and assets. Underwriter decides if borrower is qualified. If s= o, loan terms. The major= issue the FICO score
3.PROCESSING: Papers drawn. Escrow instructions, appraisal, loan documents.
= 4.CLOSING: Papers signed, loan funds, loan and escrow closes, documents recorded, insurance issued (prop= erty and title), closing statements issued <= /span>
5.SERVICING: Process of collecting loan payments. Check on loan until paid off. Pay impound bills.
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Phases of the Financing Process
•1. APPLICATIO= N
• -income, debts, net worth
•
•2. ANALYSIS
• -FICO score, ability to pay, appraise property
•
•3. PROCESSING
• -draw papers and escrow instructions
•
•4. CLOSING
• -loan is funded, documents recorded, escrow closing statements
•
•5. SERVICING
• -collecting payments and monitoring loan
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Hy= pothecate
Overvi= ew of Finance Documents
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Negat= ive Amortized Note
•This is when the loan payment does not cover the monthly interest
<= span class=3DBB style=3D'position:absolute;left:-4.08%'>•Shortage = is added to principal loan amount
•Results in increased loan balance
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Promissory Notes (SAIF)
Legal evidence for the debt
=
•S traight Note – term note
–Payments of Interest Only
–Entire principle repaid on the final due date
A mortized Note
Monthly payments which include both Principal and Interest
•
 I nstallment Note
Periodic payments of principal & interest
F ully amortized type--Liquidates the debt with final payment
Partially am= ortized (balloon payment type requires larger final payment)
S
F
A
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Real E= state Loans
=
•<= /span>Fixed Rate - The interest rate remains the same= 3;
•<= /span>Adjustable Rate Mortgage (ARM)-rate
<= span style=3D'font-size:86%'>–Lower init= ial rate than fixed-rate mortgage
<= span style=3D'font-size:86%'>–Rate cap a= nd payment cap <= /span>
•<= /span>Variable Interest Rate (VIR)
•<= /span>Graduated Payment Mortgage (GPM)-increasing
•<= /span>Graduated Payment Adjustable Mortgage (GPAM)
•<= /span>Growing Equity Mortgage (GEM)- <= /div>
• principal
•<= /span>All-Inclusive Trust Deed (AITD) =
•<= /span>Reverse Annuity Mortgage (RAM)
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charset="us-ascii" Chapter 7
VARIABLE PAYMENT PLANS
•The interest rate may change and as a result the following may be affected:
1. Payments
2. Princi= pal owed
3. Term (= length of the loan)
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Adjusta= ble Rate Loan TERMS
<= /v:shape>
•INDEX: Measures need for a change in rate.
•MARGIN: The distance between actual and index rate.
•ADJUSTMENT PERIODS: How often rate changes. Typically every 6 or 12 months. =
<= span style=3D'font-size:88%'>•CAP: Maximum rate over initial rate.
<= span style=3D'font-size:88%'>•TEASER: Very low initial rate for short period bef= ore increase to normal ARM rate.
•CONVERTIBLE: During “window period” (2= -5 years) allowed to switc= h to fixed rate upon payment of fee.
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DEED OF TRUST
(Trust Deed)
=
=
•Easier, cheaper, faster foreclosure
•Creates a lien to secure repayment of a note <= /span>
•Trustor – Borrower
•Trustee – Stakeholder or “naked” Titleholder
•Be<= /u>neficiary – BANK - Lender
Trustor
Deeds to
Trustee
Reconveys
Who holds title until debt is paid
When debt is paid
Trustor
Trustee
The Trustee returns title to = the Trustor by a Deed of Reconveyance
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MORTGAGE
(A Contract)
=
•Loan Payoff
–<= /span>Satisfaction of Mortgage
•Foreclosure by default
–<= /span>Law suit / Court order
–<= /span>Decree of Foreclosure
–<= /span>Notice of Sale
–<= /span>Sheriff’s Sale
–<= /span>Sheriff’s Deed
–<= /span>Deficiency Judgment possible
–<= /span>One-year Period of Redemption
 
Mortgagor - Borrower
Mortgagee - Lender
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Common Provisions in
= Security Instruments
•
= Alienation (Due-On-Sale) Clause
Lock-In Clause
Assumption Provision
Prepayment Provision
or
or
Acceleration Clause
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Prepayment Penalty =3D
6 month’s interest on t= he unpaid balance after lst deducting 20%
=
•Unpaid loan Amount
•X  =   80%
–(cannot c= harge on the top 20%    <= /span>of the loan)
•X  Interest rate
–To get in= terest for 12 months –   &n= bsp; 1 year
•/  2
–To get on= e-half year
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TRUST DEED vs. MORTGAGE
Mortgage note and contract both outlaw four years from due date, or from date of last payment. No relief. Monies involved not collectable.
Stature of Limitations
Trust Note – Outlaws four years after due date
Trust Deed – Never outlaws – Lender can always have trustee sell to recover unpaid balance
Before Decree of Foreclosure
Owner may redeem anytime by bring= ing payments current
After Decree of Foreclosure and Sale
Owner has one year “Equity of Redemption”
Must pay indebtedness in full to redeem
Owner’s Rights of Redemption=
If Foreclosure by Court Action: Same as for Mortgage
Truste= e’s Sale
Notice of Default – Owner may redeem by bringing payments current within three months
Notice of Sale – Owner may redeem only by paying entire indebtedness in full Trustee’s Sale Sale final. No redemption
Possi= ble Deficiency Judgment
Lender’s Rights
If Foreclosure by Court Action: Same as for Mortgage
Trustee’s Sale - No Deficiency Judgme= nt Possible
Mortgage
Comparison
Deed of Trust
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Mortgage versus Trust Deed
If Foreclosure by Court Action: Same as for Mortgage
Trustee= ’s Sale
Notice of Default – Owner may redeem by bringing payments current within three = months
Notice of Sale – Owner may redeem only by paying entire indebtedness in full = Trustee’s Sale Sale final. No redemption = ;
Before Decree of Foreclosure
Owner may redeem anytime by bringi= ng payments current
After Decree of Foreclosure and Sale
Owner has one year “Equity of Redemption”
Must pay indebtedness in full to redeem
Owner’s Rights of <= /span>Redemption
Court A= ction or Trustee’s Deed
Reinsta= tement Period
Notice = of Default/3 months
Notice = of Sale
21 day minimum publish
Trustee= ’s Sale
All sal= es final
Trustee= ’s Deed
No rede= mption
Court = action Only
Equita= ble Redemption
Notice= of Default
Lawsui= t/Court
Notice= of Sale
Statut= ory Redemption
Sherif= f’s Sale
Defici= ency Judgment
Sherif= f’s Deed
1 year= to redeem
Forecl= osure
Deed of= Trust
Mortga= ge
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Buyer Takes Over Seller’= ;s Loan
nBuyer assumes existing loan
n
nSubstitution of Liability
n
<= span style=3D'mso-special-format:bullet;color:#A50021;position:absolute;left:-4= .03%; top:.3em;font-family:Wingdings;font-size:75%'>nBuyer takes title “Subject to” existing loan.
------=_NextPart_01C82ABC.2621D9B0 Content-Location: file:///C:/591244C5/7Introd.toR.E.Finance_files/slide0053.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Chapter 7
Prepa= yment Penalty
•Certain California lenders prohibited from = charging prepayment penalty on owner-occupied home loans if the loan has been on the lender̵= 7;s books for more than 3 years.
<= span style=3D'font-size:88%'>•Does not apply to federally supervised lenders = ;
•No prepaym= ent penalty on FHA, VA, or Cal-Vet loans
------=_NextPart_01C82ABC.2621D9B0 Content-Location: file:///C:/591244C5/7Introd.toR.E.Finance_files/slide0018.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Chapter 7
SEC= OND DEED OF TRUST
=
•  Jun= ior Lien – Purpose: Close the gap betwee= n the
• sales price and the first loan plus down payment
•Types: “= ;Hard” money second – cash from lender
–        “Soft” money second – credit from seller
•Default: Juni= or lienholder may foreclose
=3DNotice
= Purpose: To inform holders of junior <= /span>= liens when the holder of a senior lien = (deed of trust) is about to foreclose
REQUEST FOR COPY OF NOTICE OF DEFAULT AND SALE
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SA= LES CONTRACT
=
=
•Land Co= ntract or Installment Sales Contract
•Vendor  -  Vendee
•<= /span>Low down payment usually required
•<= /span>Allows marginal buyer to acquire real estate <= /span>
•<= /span>Buyer gets immediate possession
•<= /span>Buyer receives full legal title after loan paid of= f
•<= /span>Seller must follow statutory notice requirements i= f buyer defaults
•<= /span>All parties should consult their attorney
•<= /span>Vendee may receive poor title. <= /div>
•<= /span>Vendor may have problems during the term.
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Sa= les Contract (cont.)
=
=
•Buyer usually receives equitable, insurable, recorded title
•The contract cannot prohibit recording
•Creates a cloud on vendor’s title
•Removed by court or vendee signing a quitclaim deed
•Vendee may assign all rights if no release from vendor
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Bas= ic Rule of Finance
<= /v:shape>
<= span class=3DBB style=3D'position:absolute;left:-4.08%'>•If you don’t pay … they will take it away !
3DForeclosure
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file:///C:/591244C5/7Introd.toR.E.Finance_files/slide0032.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Chapter 7
TR= USTEE’S SALE STEPS
=
1.Beneficiary requests trustee to foreclose
2.Trustee records Notice of Default
3.Three-month waiting period
•(Borrower= has reinstatement period)
4.Advertise “Notice of Sale” with date= , time and place of sale= 3;
•  (Borrower has limited right to reinstate)
5.Sale to highest bidder for cash (loan amount+costs)
6.Trustee’s deed is issued (all sales final; borrower has no right of redemption)
7.Disbursement of funds
------=_NextPart_01C82ABC.2621D9B0 Content-Location: file:///C:/591244C5/7Introd.toR.E.Finance_files/slide0021.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Chapter 7
TRUTH IN LENDING LAW
Regulation Z  =   (TIL)
•Purpose – disclosure of credit&#= 13;
•A.P.R. – cost of credit in percentage terms =
•Right of rescission
•Annual Percentage Rate (APR) must be stated when
• advertising financing
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Equal Credit
Oppor= tunity Act
=
•Enforced b= y the Board of Governors of the Federal Reserve System, through the Federal Reserve Board.<= /span>
<= span style=3D'mso-special-format:bullet;position:absolute;left:-2.69%'>•<= /span>Prohibits lender or mortgage broker from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age, among other things.
• Lender cannot ask borrower if: div= orced, separated, has        = ;            &n= bsp;  childbearing plans, receives alimony or child support (unle= ss = using the income to qualify for the loan).
•Lender has 30 days to approve or disapprove.
•If not approved, lender must state why.
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Fair Credit
Reporting Act
= 226;Requires that, if a loan is denied, lender or mort= gage broker must:
•Give applicant a statement of denial reasons.
•Include the name of the feder= al agency that can be contacted if the applicant feels discriminated against.
•If denial is based on informat= ion contained in the applicant’s credit report, inform applicant of the right to receive a free copy of the report, and = how to do so.
•Information can be obtained fr= om the Board of Governors of the Federal Reserve System, through= the Federal Reserve Board.
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Real Estate Settlement = Procedures Act (RESPA)
<= span style=3D'font-size:75%'>•Requires l= ender or mortgage broker to disclose any affiliated business arrangement with an individual or entity offering settlement services.=
•Good Faith Estimate of settlement service charg= es must be provided within 3 business days of loan application.
•Special information booklet (Buying your Home: = Settlement Costs and Helpful Information) within three days of loan application.
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HUD–1
Settlement Statement
•May inspect one day before closing <= /div>
•Includes disclosure of lender-paid broker fees
•Escrow Account Statement
–No more than two months of excess payments
•Accounting provided within 45 days
•Annual review of escrow account
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Mo= rtgage Broker Limits
•COSTS:
<= span class=3DB1B style=3D'position:absolute;left:-3.98%'>–Limits a= mount of costs and expenses
<= span class=3DB1B style=3D'position:absolute;left:-3.98%'>–Cannot b= e over 5% of the loan amount
<= span class=3DB2B style=3D'position:absolute;left:-3.21%'>•Actual c= osts, or
<= span class=3DB2B style=3D'position:absolute;left:-3.21%'>•$390 = ;
<= span class=3DB1B style=3D'position:absolute;left:-3.86%'>–Cannot e= xceed $700 for costs and expenses.
3D"$"
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Review Quiz Chapter 7
1.A real estate promissory note that reads “$1= 00,000 principal payable interest on= ly monthly at a rate of 10%” is what type of promissory note?
• a. straight
• b. installment
• c. principal and interest= 3;
• d. accommodation
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<= span style=3D'font-size:75%'>2.A real estate promissory note reads “$887.50 per month <= span style=3D'position:absolute;top:10.32%;left:5.14%;width:86.13%;height:11.41= %'>for 239 payments, then a final monthly payment of = $3,011.19.” This is an example of a/an: =
<= span style=3D'font-size:86%'>a)Alienation payment
<= span style=3D'font-size:86%'>b)Prepayment
<= span style=3D'font-size:86%'>c)Balloon payment
<= span style=3D'font-size:86%'>d)Amortized payment
•
Review Quiz Chapter 7
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•3. An enforceable due-on-sale clause is correctly = called a/an:
• a. acceleration clause
• b. alienation clause
• c. wrap around clause
• d. prepay clause
•
= 4.In a normal sale using both a grant deed and a trust deed (deed of trust) the buyer is the:
a. grantor and trustor <= /div>
b. grantor and trustee <= /div>
c. grantee and trustee <= /div>
d. grantee and trustor <= /div>
Review Quiz Chapter 7
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&#= 8226;5. A type of financing instrument where the owner (vendor) retains the legal title until the buyer (vendee) fulfills the terms of the purchase contact:
• a. lease contract
• b. installment sales contract
• c. wraparound contract
• d. junior lien contract
Review Quiz Chapter 7
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<= span style=3D'font-size:75%'>6.Under the Trustee’s Sale procedure, after a Notice of Default has been recorded, a borrower has how long= to reinstate by making up past payments, penalties, l= ate charges, and trustee expenses? <= /div>
• a. 5 days prior to trustee’s sale date
• b. 90 days
• c. 3 months
• d. 1 year
•
Review Quiz Chapter 7
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&#= 8226;7. A mortgage broker negotiated a loan for $10,000 secured by a second trust d= eed to be paid in 30 monthly payments. The maximum commission the broker is permitted to charge is:
• a. $195
• b. $390
• c. $700
• d. $1,000
Review Quiz Chapter 7
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8.An owner sells and the buyer takes over the existi= ng loan. To relieve the seller of primary liability, = the buyer must:
• a. sign a non-recourse agreement
• b. take title contingent upo= n the note and trust deed
• c. take title subject to the= note and trust deed
• d. assume the note and trust deed
•
Review Quiz Chapter 7
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&#= 8226;9. In an ARM loan, the distance between the borrower’s rate and t= he index is called the:
• a. cap
• b. adjustment
• c. margin
• d. teaser
•
Review Quiz Chapter 7
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10.Under the Real Property Loan Law the maximum amount a borrower can pay for closing cots, exclud= ing commission, regardless of the size of the loan, is= :
• a. 5%
• b. $390
• c. $700
• d. $900
Review Quiz Chapter 7
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Answer= s to Review Quiz Chapter 7
• 1. A <= /span> 6.  A
•= 3;
• 2. C 7. D
•
• 3. B 8. D
•= 3;
• 4. D <= /span> 9. C
•
• 5. B 10. C
•<= /span>
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file:///C:/591244C5/7Introd.toR.E.Finance_files/script.js Content-Transfer-Encoding: quoted-printable Content-Type: application/javascript; charset="us-ascii" function LoadSld() { var sld=3DGetObj("SlideObj") 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(","); pptSound.src=3Dg_bgSound.substr( 0, idx ); pptSound.loop=3D -(parseInt(g_bgSound.substr(idx+1))); } SlideObj.filters.revealtrans.Apply()=09 } SlideObj.style.visibility=3D"visible" if( fTrans ) SlideObj.filters.revealtrans.Play() } function MakeNotesVis()=20 { if( !IsNts() ) return false=20 SlideObj.style.display=3D"none" nObj =3D document.all.item("NotesObj") parent.SetHasNts(0) if( nObj ) {=20 nObj.style.display=3D"" parent.SetHasNts(1) } return 1 } function ChkAutoAdv() { if(SldHasTrans()) SlideObj.onfilterchange=3DAutoAdv else AutoAdv() } function AutoAdv() { if(!IsWin("PPTSld") || !gUseSldTimings )return var sld=3DGetCurSld() if( (sld.mAdvDelay>0) && !parent.IsFramesMode() ) setTimeout("parent.GoToNextSld()",sld.mAdvDelay) } function GetObj(id) { if(g_supportsPPTHTML) return document.all(id); else return document.getElementById(id); } function SldHasTrans() { return SlideObj.style.filter !=3D ""; } function GetSldId()=20 { var regExp =3D /file:\/\/\//i var pos =3D location.href.search(regExp) if (MHTMLPrefix !=3D "" && pos !=3D -1) sId =3D location.href.substring(pos) else { sId =3D RemoveFilePrefixFromHref(location.href); var regExp =3D /\// var fixedHref =3D sId var pos =3D -1 =09 pos =3D fixedHref.search(regExp) while (pos !=3D -1) { fixedHref =3D fixedHref.replace(regExp, "\\") pos =3D fixedHref.search(regExp) } =09 if (g_fBaseHyperlink =3D=3D true) sId =3D "file:///" + fixedHref; else sId =3D fixedHref.substring(fixedHref.lastIndexOf('\\') + 1) } =09 return sId } function HideMenu() { if( frames["PPTSld"] && PPTSld.document.all.item("ctx= tmenu") && PPTSld.ctxtmenu.style.display!=3D"none" ) { PPTSld.ctxtmenu.styl= e.display=3D'none'; return true } return false } function IsWin( name ) { return window.name =3D=3D name } function IsNts() { return IsWin("PPTNts") } function IsSldOrNts() { return( IsWin("PPTSld")||IsWin("PPTNts") ) } function SupportsPPTAnimation() { return( navigator.platform =3D=3D "Win32"= && 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 PlaySound( href, loop ){ href=3D unescape(href); if( window.event ) window.event.cancelBubble =3D true; pptSound.src =3D href; pptSound.loop =3D loop ? -1 : 0; } 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=3D39, 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("slide0050.htm",1,-1,1),new hrefList(= "slide0044.htm",1,-1,1),new hrefList("slide0028.htm",1,-1,1),new hrefList("= slide0045.htm",1,-1,1),new hrefList("slide0008.htm",1,-1,1),new hrefList("s= lide0051.htm",1,-1,1),new hrefList("slide0009.htm",1,-1,1),new hrefList("sl= ide0010.htm",1,-1,1),new hrefList("slide0011.htm",1,-1,1),new hrefList("sli= de0029.htm",1,-1,1),new hrefList("slide0012.htm",1,-1,1),new hrefList("slid= e0013.htm",1,-1,1),new hrefList("slide0014.htm",1,-1,1),new hrefList("slide= 0027.htm",1,-1,1),new hrefList("slide0016.htm",1,-1,1),new hrefList("slide0= 017.htm",1,-1,1),new hrefList("slide0002.htm",1,-1,1),new hrefList("slide00= 53.htm",1,-1,1),new hrefList("slide0018.htm",1,-1,1),new hrefList("slide001= 9.htm",1,-1,1),new hrefList("slide0020.htm",1,-1,1),new hrefList("slide0031= .htm",1,-1,1),new hrefList("slide0032.htm",1,-1,1),new hrefList("slide0021.= htm",1,-1,1),new hrefList("slide0033.htm",1,-1,1),new hrefList("slide0034.h= tm",1,-1,1),new hrefList("slide0035.htm",1,-1,1),new hrefList("slide0037.ht= m",1,-1,1),new hrefList("slide0038.htm",1,-1,1),new hrefList("slide0006.htm= ",1,-1,1),new hrefList("slide0046.htm",1,-1,1),new hrefList("slide0039.htm"= ,1,-1,1),new hrefList("slide0040.htm",1,-1,1),new hrefList("slide0047.htm",= 1,-1,1),new hrefList("slide0041.htm",1,-1,1),new hrefList("slide0048.htm",1= ,-1,1),new hrefList("slide0042.htm",1,-1,1),new hrefList("slide0049.htm",1,= -1,1),new hrefList("slide0043.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; window.event.returnVa= lue=3Dfalse } function Highlight() { ChangeClr("activecaption","threedhighlight") } function Deselect() { ChangeClr("threedface","menutext") } function Perform() { e=3DPPTSld.event.srcElement if( e.type=3D=3D"menuitem" && e.IsActive() ) e.Action() else PPTSld.event.cancelBubble=3Dtrue } function ChangeClr( bg,clr ) { e=3DPPTSld.event.srcElement if( e.type=3D=3D"menuitem" && e.IsActive() ) { e.style.backgroundColor=3Dbg e.style.color=3Dclr } } function M_HasPrevSld() { return( parent.HasPrevSld() ) } function M_GoNextSld() { if( gIsEndShow ) M_End(); else GoToNextSld() } function M_GoPrevSld() { if( gIsEndShow ) { gIsEndShow=3D0; history.back();= PPTSld.event.cancelBubble=3Dtrue; } else GoToPrevSld() } function M_True() { return true } function M_End() { window.close( self ) } function CreateMenuItem( node,text,action,eval ) { var e=3DCreateItem( node ) e.type=3D"menuitem" e.Action=3Daction e.IsActive=3Deval e.innerHTML=3Dtext if( !e.IsActive() ) e.style.color=3D"threedshadow" e.onclick=3DPerform e.onmouseover=3DHighlight e.onmouseout=3DDeselect s=3De.style; 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charset="us-ascii" Chapter 7 ------=_NextPart_01C82ABC.2621D9B0 Content-Location: file:///C:/591244C5/7Introd.toR.E.Finance_files/outline.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii"
 No= tes
Slide Show
Outline
= = = = = = = = = = = = = = = =
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