// JavaScript Document

var txt2a="<a href='#' onClick=";
var txt2b= "MM_swapImage('ImgToolTip','','Images/ToolTipOff.gif',1);ToggleOffOn(false)";
var txt2c=" style='text-decoration:none' title='Click to Turn ToolTip Help Off'><font color='#00254A' size='1' face='Verdana, Arial, Helvetica, sans-serif'>Tooltip Help is On</font>&nbsp;&nbsp;<img src='Images/ToolTipOn.gif' name='ImgToolTip' width='7' height='7' border='0' alt='Click to turn ToolTip Help Off'></a>";
var txt2=txt2a+'"'+txt2b+'"'+txt2c;
var txt1a="<a href='#' onClick=";
var txt1b= "MM_swapImage('ImgToolTip','','Images/ToolTipOn.gif',1);ToggleOffOn(false)";
var txt1c=" style='text-decoration:none' title='Click to Turn ToolTip Help On'><font color='#00254A' size='1' face='Verdana, Arial, Helvetica, sans-serif'>Tooltip Help is Off</font>&nbsp;&nbsp;<img src='Images/ToolTipOff.gif' name='ImgToolTip' width='7' height='7' border='0' alt='Click to turn ToolTip Help On'></a>";
var txt1=txt1a+'"'+txt1b+'"'+txt1c;
var toolstate;


function Set_Default_ToolState()
{
var Tipobj=document.getElementById("TxtTip");
var Tip=Tipobj.value;
toolstate=(Tip=="1")?true:false;
ToggleOffOn(true);

}


function ToggleOffOn(initload)
{
	 var Tdobj=document.getElementById("tdtoggle");
	 var Tipobj=document.getElementById("TxtTip"); 
    
	 if (toolstate)
 	{
  		Tipobj.value=(initload)?"1":"0";
		Tdobj.innerHTML=(initload)?txt2:txt1;
	}
	else
	{
		Tipobj.value=(initload)?"0":"1";
		Tdobj.innerHTML=(initload)?txt1:txt2;
		
	}
toolstate=(initload)?toolstate:!toolstate;
Tipobj.style.visibility="hidden";
}

function Active_ToolState()
{
	if (toolstate)
		return true;
		else
	return false;

}



function Show_ToolTip(HelpType)
{
var pxl="100";
var HelpStr=" ";

//test table

 
var tblhdr1= "<table width='100%'  border='1' align='center' cellpadding='0' cellspacing='0' bgcolor='#ffffce'  bordercolor='#840042'>";
tblhdr1 +="<tr><td align='left' valign='top' nowrap>";
tblhdr1 +="<table width='100%'  border='0' cellpadding='5' cellspacing='0' align='center'>";
tblhdr1+="<tr  bgcolor='#840042'><td height='19' align='center' valign='middle'>"
tblhdr1+="<font size='2' face='Geneva,Arial, Helvetica, sans-serif' color='#FFFFFF'><strong>";
var tblhdr2="</strong></font></td></tr> <tr> ";
var tblcell1="<td  align='left' valign='top'><font size='2' face='Geneva, Arial, Helvetica, sans-serif'>";
var tblcell2="</font></td></tr> </table>";
tblcell2+="</td></tr></table>";

var tbl=tblhdr1+"Caption"+tblhdr2;
    tbl+=tblcell1+"This is the detail"+tblcell2;
    

// Insured Value of Home
var InsValHomeStr=tblhdr1+"Insured Value &#8211; House"+tblhdr2+tblcell1;

InsValHomeStr+="A CEA earthquake insurance policy is written for the <em>Insured Value</em> of your house - that's the &#8220;Coverage A limit&#8221; or &#8220;dwelling coverage limit&#8221; on your homeowners insurance policy declarations page.  Check your homeowners policy and enter the <em>Insured Value</em> here.  Remember:  The <em>Insured Value</em> of your house does <strong><U>not</U></strong> include the value of land on which the house is built.";

  InsValHomeStr+=tblcell2;
 // Insured Value of Mobile Home 
 var InsValMobileStr=tblhdr1+"Insured Value &#8211; Mobilehome"+tblhdr2+tblcell1;
 
  InsValMobileStr+="A CEA earthquake insurance policy is written for the <em>Insured Value</em> of your mobilehome - that's the &#8220;Coverage A limit&#8221; or &#8220;dwelling coverage limit&#8221; on your mobilehomeowners insurance policy declarations page.  Check your mobilehomeowners policy and enter the <em>Insured Value</em> here.  Remember:  The <em>Insured Value</em> of your mobilehome does <strong><U>not</U></strong> include the value of land on which the mobilehome is built.";
 
InsValMobileStr+=tblcell2;


//Coverage C 
var CovCStr=tblhdr1+"Personal Property (Coverage C)"+tblhdr2+tblcell1;

 CovCStr+=" Coverage C covers personal property such as furniture and appliances&#8212;choose ";
 CovCStr+="the personal property coverage limit that best meets your needs. The available ";
 CovCStr+="coverage limits will appear when you click the Coverage C drop-down box.";
 CovCStr+=tblcell2;

//Coverage D
var CovDStr=tblhdr1+"Loss of Use (Coverage D)"+tblhdr2+tblcell1;

 CovDStr+="Up to the limit selected, Coverage D covers your living expenses if you are ";
 CovDStr+="forced from your home by earthquake damage or damage-repair activities&#8212;choose ";
 CovDStr+="the coverage limit that best meets your needs. The available coverage limits ";
 CovDStr+="will appear when you click the Coverage D drop-down box.";
 CovDStr+=tblcell2;


// Dwelling Type
var DwelTypeStr=tblhdr1+"Dwelling Type"+tblhdr2+tblcell1;

DwelTypeStr+="Most houses in California are built around a wood frame&#8212;this is a wood frame "; 
DwelTypeStr+="construction. If your house is masonry or built of brick, choose &#8220;all other construction&#8221;."; 

DwelTypeStr+=tblcell2;

// Deductible 

var DeductStr=tblhdr1+"Deductible"+tblhdr2+tblcell1;
DeductStr+="Choose a deductible amount of either 15% or 10% of the Coverage A limit of the ";
DeductStr+="CEA policy. A 10% deductible will cost you more in premium but may reduce your ";
DeductStr+="share of the cost of repairing or rebuilding after earthquake damage.";

 DeductStr+=tblcell2;

//Building Property Coverage
var  BldPropCovStr=tblhdr1+"Building Property Coverage"+tblhdr2+tblcell1;

BldPropCovStr+="You can buy CEA coverage to insure certain features of your condominium unit ";
  BldPropCovStr+="that may not be covered by a homeowners association &#8220;master policy&#8221;&#8212;examples ";
  BldPropCovStr+="are owner-provided alterations, built-in appliances, certain fixtures, wall-to-wall ";
  BldPropCovStr+="carpets, and other such items. The coverage applies only to property that is ";
  BldPropCovStr+="your legal responsibility to maintain and insure, and it is available only in ";
  BldPropCovStr+="an amount of $25,000."; 
BldPropCovStr+=tblcell2;


// Fair Market Value
var FairMktValStr=tblhdr1+"Fair Market Value"+tblhdr2+tblcell1;


FairMktValStr+="<em>Fair Market Value</em> has a specific definition: The price the buyer is ";
  FairMktValStr+="willing to pay and the seller is willing to accept&#8212;in arriving at this ";
  FairMktValStr+="price, the buyer and seller must be reasonably aware of the pertinent facts ";
  FairMktValStr+="and be under no obligation to buy or sell.";
  FairMktValStr+=tblcell2;
  

// Loss Assessment Coverage 
var LossAssCovStr=tblhdr1+"Loss Assessment Coverage"+tblhdr2+tblcell1;

LossAssCovStr+="Your homeowners association may assess all its members to raise money to repair "; 
  LossAssCovStr+="earthquake damage&#8212;this is called a &#8220;loss assessment.&#8221; The ";
  LossAssCovStr+="CEA can help with such loss assessments that<BR>(1) you are legally obligated to ";
  LossAssCovStr+="pay and<BR>(2) result from losses to specified property.";
LossAssCovStr+=tblcell2;


//Master Policy of Earthquake insurance
var MsPolEQCapStr=tblhdr1+"&#8216;Master Policy&#8217; of Earthquake Insurance"+tblhdr2+tblcell1;


  MsPolEQCapStr+="This is a policy of earthquake insurance your homeowners association would buy ";
 MsPolEQCapStr+="to cover the structure against earthquake damage. Please consult your homeowners ";
  MsPolEQCapStr+="association to learn whether it has purchased such a policy. You will need to ";
  MsPolEQCapStr+="provide reasonable proof of such master coverage at the time you apply for or ";
  MsPolEQCapStr+="renew the loss-assessment coverage for your CEA policy.";
MsPolEQCapStr+=tblcell2;


//Hazard Reduction Discount Home
var HazRedDisStr=tblhdr1+"Hazard Reduction Discount &#8211; Homeowner"+tblhdr2+tblcell1;


  HazRedDisStr+="You will receive a 5% premium discount if your house (1) is a wood-frame dwelling ";
   HazRedDisStr+="type<strong><u> and</u> </strong> (2) meets all the following requirements:<BR> ";
 HazRedDisStr+="$ The house was built before 1979.<br>";
   HazRedDisStr+="$ The structure is braced or tied to the foundation.<br>";
   HazRedDisStr+="$ Cripple walls are braced with plywood or its equivalent.<br>";
   HazRedDisStr+="$ The water heater is secured to the structure&#8217;s frame.<br>";
   HazRedDisStr+="$ The house is built on a raised foundation. Houses built entirely "; 
   HazRedDisStr+="on concrete slabs do not qualify for the discount.";
  HazRedDisStr+=tblcell2;


//Hazard Reduction Discount Mobile
var HazRedDisMStr=tblhdr1+"Hazard Reduction Discount &#8211; Mobilehome"+tblhdr2+tblcell1;

HazRedDisMStr+="You will receive a 5% premium discount if your mobilehome is braced by an <em>Earthquake ";
  HazRedDisMStr+="Resistant Bracing System</em> certified by the California Department of Housing ";
  HazRedDisMStr+="and Community Development. Your CEA participating insurer can supply a list ";
  HazRedDisMStr+="of certified <em>Earthquake Resistant Bracing Systems</em>.";
 
 HazRedDisMStr+=tblcell2;

//Loss of Coverage Option
var LossCovOpCapStr=tblhdr1+"Master Policy of Earthquake Insurance"+tblhdr2+tblcell1;
  LossCovOpCapStr+="Loss Assesment Coverage is calculated based ";
 LossCovOpCapStr+="on the information provided in Steps 5,6,7."; 
LossCovOpCapStr+=tblcell2;


//

var CEAGenInfo1= tblhdr1+"CEA General Information"+tblhdr2+tblcell1;
CEAGenInfo1+="The enabling legislation can be found in the California Insurance Code, primarily in Sections 10089.5 through 10089.54.";
CEAGenInfo1+=tblcell2;

var CEAGenInfo2=tblhdr1+"CEA General Information"+tblhdr2+tblcell1;
CEAGenInfo2+="Source: California Department of Insurance."
CEAGenInfo2+=tblcell2;

var CEAGenInfo3=tblhdr1+"CEA General Information"+tblhdr2+tblcell1;
CEAGenInfo3 +="Measured both by total premiums and by number of policies.";
CEAGenInfo3+=tblcell2;



//Coverage C and Coverage D
var CovACovBStr=tblhdr1+"Personal Property (Coverage C)<br>and Loss of Use (Coverage D)"+tblhdr2+tblcell1;
 CovACovBStr+="In insurance terms, Coverage C covers personal property ";
CovACovBStr+="(such as furniture and appliances), and Coverage D provides coverage ";
CovACovBStr+="to pay for housing and food if you are forced from you home.  ";
CovACovBStr+="Please choose the personal property and loss of use coverage combination ";
CovACovBStr+="that best meets your needs. The available limits for these coverages ";
CovACovBStr+="will appear when you click the Step 5 drop-down box.";
CovACovBStr+=tblcell2;

 if ( HelpType=='IVH')
 {
   pxl="270px";
    HelpStr=InsValHomeStr;
  } 
   if ( HelpType=='IVM')
 {
   pxl="275px";
    HelpStr=InsValMobileStr;
  }
    if ( HelpType=='CVC')
 {
   pxl="240px";
    HelpStr=CovCStr;
  }
  
     if ( HelpType=='CVD')
 {
   pxl="300px";
    HelpStr=CovDStr;
  }
  
  if ( HelpType=='DWL')
 {
   pxl="250px";
    HelpStr=DwelTypeStr;
  }
   if ( HelpType=='DED')
 {
   pxl="200px";
    HelpStr=DeductStr;
  }
    if ( HelpType=='BPC')
 {
   pxl="210px";
    HelpStr=BldPropCovStr;
  }
  if ( HelpType=='FMV')
 {
   pxl="200px";
    HelpStr=FairMktValStr;
  }
  if ( HelpType=='LAC')
 {
   pxl="300px";
    HelpStr=LossAssCovStr;
  }
   if ( HelpType=='MPE')
 {
   pxl="300px";
    HelpStr=MsPolEQCapStr;
  }
   if ( HelpType=='LCO')
 {
   pxl="200px";
    HelpStr=LossCovOpCapStr;
  }
  if ( HelpType=='TBL')
 {
   pxl="200px";
    HelpStr=tbl;
  }
  
   if ( HelpType=='GI1')
 {
   pxl="200px";
    HelpStr=CEAGenInfo1;
  }
  if ( HelpType=='GI2')
 {
   pxl="200px";
    HelpStr=CEAGenInfo2;
  }
  if ( HelpType=='GI3')
 {
   pxl="200px";
    HelpStr=CEAGenInfo3;
  }
  
   if ( HelpType=='HRDH')
 {
   pxl="420px";
    HelpStr=HazRedDisStr;
  }
  
   if ( HelpType=='HRDM')
 {
   pxl="350px";
    HelpStr=HazRedDisMStr;
  }
  
  if ( HelpType=='CCD')
 {
   pxl="280px";
    HelpStr=CovACovBStr;
  }
  
   return HelpStr;
  
  
  }


function Get_CEA_Policy()
{
var tbl="<table width='100%'  border='1' align='center' cellpadding='0' cellspacing='0' bgcolor='#840042'  bordercolor='#840042'>";
	tbl+="<tr><td align='left' valign='top' nowrap>";
	tbl+="<table cellSpacing='0' cellPadding='4' width='100%' bgColor='#ffffce' border='0'>"
	tbl+="<tr bgColor='#840042'><td width='83%' height='21' align='center' vAlign='middle' class='rate_title'>"
	tbl+="New CEA Rates</td></tr><tr><td vAlign='top' align='left' class='copy_body' >"
	tbl+="The California Department of Insurance has approved a <strong>22.1 percent statewide-average rate decrease</strong> for CEA policies effective " 
	tbl+="on&nbsp;or after July 1, 2006. About 85 percent of present CEA policyholders will receive a rate decrease.<br>"
	tbl+="For more information, please click on one of the four policy-types below:<br>"
	tbl+="(<em>Adobe Acrobat Reader is required to view the documents . <a href='http://www.adobe.com/products/acrobat/readstep.html' target='_blank'  class='Policy_link'>"
	tbl+="<br>Click here</a> to download Adobe Acrobat Reader). </em></td></tr><tr><td>"
	tbl+="<table cellSpacing='3' cellPadding='0' width='100%' border='0'><tr vAlign='bottom' align='left'>"
	tbl+="<td width='19%'><A href='CEAPolicy2006/home_fact_sheet.pdf' target='_blank'   class='rate_body'>Homeowner</A></td>"
	tbl+="<td width='6%'>&nbsp;</td><td width='19%'><A href='CEAPolicy2006/mobile_fact_sheet.pdf' target='_blank'   class='rate_body'>Mobilehome</A></td>"
	tbl+="<td width='6%'>&nbsp;</td><td width='23%'><A href='CEAPolicy2006/condo_fact_sheet.pdf' target='_blank'    class='rate_body'>Condominium</A></td>"
	tbl+="<td width='6%'>&nbsp;</td><td width='21%'><A href='CEAPolicy2006/renters_fact_sheet.pdf' target='_blank'    class='rate_body'>Renter</A></td></tr></table>"
	tbl+="</td></tr><tr><td><table cellSpacing='0' cellPadding='0' width='100%' border='0'><tr><td>&nbsp;</td><td>&nbsp;</td>"
	tbl+="<td>&nbsp;</td><td vAlign='bottom' align='right'><A href='javascript:Close_CEA_Policy()' style='text-decoration:none' ><IMG height='17' src='Images/close.gif' width='49' border='0' hsapce='0' vspace='0' >" 
	tbl+="</A>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</td></tr></table></td></tr>"
	tbl+="<tr><td width='83%' height='21' align='center' vAlign='middle'></td></tr></table>"
	tbl+="</td></tr></table>"

	return tbl

}