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"Some good information here. DIY Loan Mods are pretty risky if you don't know what you are doing as sometimes approaching the lender can lead the consumer to be immediately pushed into foreclosure because the lender of the mortgage servicer gets worried about being paid. <br><br>A great service that shows homeowners whether or not they are likely to qualify for Loan Modification is called <a href=\"http://www.loanamnesty.com rel=\"nofollow\">Loan Amnesty</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-19_21:35:40", "killed": false, "user_key": "1009a92c26133b9f9253a86d18537a0f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "6266892": {"up_voted": false, "ip": "", "has_replies": false, "message": "I think \"may\" is the operative word here.  Many banks are not filing these<br>1099s. I would also anticipate that there will be some tax law changes with<br>any mortgage bailout that would relieve this burden.   Not that you should<br>do anything based on what may happen but it is a consideration.  Also, you<br>should always consult a tax professional (lawyer, accountant, etc.) for any<br>implications on your taxes.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-14_19:48:13", "killed": false, "user_key": "morganb", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 6266868, "depth": 3, "points": 0, "author_is_creator": true, "is_realtime": false}, "6292493": {"up_voted": false, "ip": "", "has_replies": false, "message": "This was the case in the past.  Now, since the Mortgage Debt Relief Act of 2007 was this is not the case.   More can be read at <a href=\"http://www.irs.gov/individuals/article/0%2C%2Cid=179414%2C00.html\" rel=\"nofollow\">http://www.irs.gov/individuals/article/0,,id=17...</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-15_21:57:43", "killed": false, "user_key": "c82b173012eedd36be40769663df3665", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 6266868, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "5514902": {"up_voted": false, "ip": "", "has_replies": true, "message": "You will have to be the one who makes the decision to walk away, and that is an option worth considering.  Depending on what state you live in and the local economy, the housing values could take YEARS to rebound and return back to a level where you are no longer underwater.<br><br>I would be considering these factors:  <br>-your new monthly payment vs. cost of renting<br>-how long is the foreclosure process in your state (in Michigan there is a 6 month redemption period, so the entire process can take almost a year to get you out of the house if you stop making payments)  This allows you to save money while living in the home making no payments<br>-how long will it take you to rebuild your credit<br>-the bank may still come after you for the deficiency, because you signed a note when you bought the house which does not go away unless you declare bankruptcy (many times banks will not bother chasing you down for the deficiency because they know you can declare bankruptcy)<br>-it might be worth it writing them a letter stating that you are not interested in the loan mod unless the balance is reduced to market level (and you would not want to be making payments to them during this time, as they won't take you seriously if the money is still coming in)<br><br>Good luck....", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-24_08:18:59", "killed": false, "user_key": "b820994a67282669098d1c5c2c29f843", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10 months ago", "approved": true, "num_replies": 4, "is_first_child": true, "email": "", "parent_post_id": 5502234, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "5502234": {"up_voted": false, "ip": "", "has_replies": true, "message": "my loan co. offered a loan mod of 6.5 fixed for 30yrs. but will not reduce princ. to current value..underwater 50,000 ..deal or no deal? will it ever come back you think? 50,000..thanks ...also a balloon payment is in there that can't be modified..maybe I should walk away?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-23_17:06:44", "killed": false, "user_key": "2299258ae32b97a74c1e255ea9bdad65", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10 months ago", "approved": true, "num_replies": 5, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "4597535": {"up_voted": false, "ip": "", "has_replies": true, "message": "I agree also with DIY loan modification, but its my belief that a loan modification is not always the best route to take the reason being, a loan modification will not help if you owe more than your property is worth. There are programs that actually do help if you owe more than your property is worth such as a \"Short Refinance\" and you do not have to pay anything upfront it is all written into the new loan. This program is regulated by the DRE so there will not be any outside companies involved who are not within the real estate industry. The amount charged is regulated also, so the risk factor is not as great as taking a chance with an outside loan mod company who can take an upfont fee and not accomplish a thing for you!<br>How it works:<br>If you owe more than your property is worth then the new loan will be at the current appraised value of your home with a 30 year fixed mortgage at a low interest rate (4.5-5.9).<br>Just like a loan modification you have to have a hardship of some sort that has effected you financially, but show that you can afford the new loan.<br>For more information email me at <a href=\"mailto:amiller@firststatelendinginc.com\" rel=\"nofollow\">amiller@firststatelendinginc.com</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-12-23_17:35:20", "killed": false, "user_key": "foreclosureprevention", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "11 months ago", "approved": true, "num_replies": 5, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "4785184": {"up_voted": false, "ip": "", "has_replies": true, "message": "I have been making my payments on time for the last 24 months and my house felt in value significantly.<br>Owe 290k and is worth 225k<br>According to X company, the new value of the house will be 200k <br>I would like to know how in the world 290k is set down to 200k, what is it that 90k are wipe out of the face of the earth.<br>Do I have to pay back later during the life of the loan, or will I be set to pay a house for 60 years?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-12-30_14:04:59", "killed": false, "user_key": "5bfd8ab9af95a470799c1ee6c5aff288", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10 months ago", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 4597535, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "4604449": {"up_voted": false, "ip": "", "has_replies": true, "message": "SHORT REFINANCE<br>A short refinance is where your existing lender agrees to a short payoff, by reducing your principal balance to market value PLUS enough to cover the new lender's equity requirements AND refinance closing costs. In many ways, this is exactly what the Hope for Homeowners Program offers. However, the key difference here is that successful short refinances now happen in cases where the borrower is NOT late - the reason being, you will not qualify for a traditional FHA refinance if you have been late on your mortgage within the past 12 months. *The exception is FHASecure, where the program grants exceptions to those borrowers who have gone late as a result of an interest rate increase only. If you are successful with a short refinance, you will not have to share your equity with the government. In fact, all of the loss mitigation alternatives mentioned here will not require that. Why an FHA refinance and not a conventional or jumbo? FHA guaranteed loans are the only ones that will refinance up to 95% of a home's market value. Otherwise, your existing lender would have to write down enough to give you 10% equity to qualify for a conventional loan PLUS more to cover closing costs- and that's simply not going to happen.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-12-24_01:55:01", "killed": false, "user_key": "bec03fca51944b481d8a28af3e88abe7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11 months ago", "approved": true, "num_replies": 1, "is_first_child": true, "email": "", "parent_post_id": 4597535, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "5818971": {"up_voted": false, "ip": "", "has_replies": true, "message": "I would love to do my loan modification on my own, but banks are not interested in helping individuals. I tried getting help from my previous bank and after many phone calls and a lot of paper work, I got no results. I ended up refinancing with another bank just to cash out in order to pay the mortgage and get a fix interest rate. Now we are struggling to make the new payment and our savings are gone. I have good credit, have always paid on time and still I can't seem to get help. I called my new mortgage company for help and their advice was to keep the little money I had left in the bank and not pay the mortgage payment. And that someone would call me within 30 days. Can someone give me some advice.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-03_17:00:47", "killed": false, "user_key": "b101fc9f01809fdec6f2c778ce43d4f9", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "5106089": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hi Phil, I've tried to send you an e-mail, but I keep geting that the e-mail address is incorect or can't be found.<br>Thank you", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-13_23:11:13", "killed": false, "user_key": "a1ddd8d4c95f072cb78b10bc9148403e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10 months ago", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 5020247, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "6152750": {"up_voted": false, "ip": "", "has_replies": true, "message": "Okay so you explain how to do a modification by yourself. Then you tell everyone to contact a modification company? Don't you think this is a little contradictory?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-10_19:54:37", "killed": false, "user_key": "7271fae71ef5370e61a4ef7d1962d5cc", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "6209330": {"up_voted": false, "ip": "", "has_replies": false, "message": "We should also ask if the company works with the Hope Now Government programs.  Those should be the first option for everybody. The program are very generous and are the only way that many people have to save their homes.  The hope for homeowners gives a new loan based on the \"current\" value of the house... In <a href=\"http://HopeNowMortgages.com\" rel=\"nofollow\">HopeNowMortgages.com</a> said that the government expect to help 400,000 homeowners and they are just starting...", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-12_11:54:26", "killed": false, "user_key": "ce0f277c78c9325820adc4edff500ca0", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "5366963": {"up_voted": false, "ip": "", "has_replies": true, "message": "Mortgage Loan Modification Package<br>We provide our clients with full attorney services from the start of the modification application to the completion of the resolution.<br>Our services include the initial consultation with the client, the compiling of the full modification application, the processing of the application, underwriting of the loan restructure proposal, a written legal agreement contract, the final resolution and the final step of executing the new contract which modifies the loan with your lender.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-19_12:01:37", "killed": false, "user_key": "d383a5b2bca6762977baa6882c3da6d4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10 months ago", "approved": null, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "6209460": {"up_voted": false, "ip": "", "has_replies": true, "message": "Don't email this person. My friend went through this company and they lost their home.  Their fees are high and they accept money if you are in default which is illegal.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-12_12:00:02", "killed": false, "user_key": "a87e0061559939eff22885313bb2b0bf", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 1, "is_first_child": true, "email": "", "parent_post_id": 4579432, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "5169845": {"up_voted": false, "ip": "", "has_replies": false, "message": "As a former Mortgage Brokerage Owner, I decided to work for a Law Firm that is reputable and has been doing Loan Mods long before it became popular.<br>Fact:  The Loss Mit Dept inside Lenders & Servicers say that if a H/O chooses to \"Do it themselves\" they will get a 100 - 200 dollar break, if they go through an attorney the H/O has more leverage and usually gets what they need, so there you have it right out of the horses mouth.  Having the right legal representation so that a H/O can maximize their chances of correcting their current scenario and send them off on a more stable path is our goal and we are accomplishing that 1000's of times over at this firm.  I know that there are a large number of scammers out there but a H/O dealing with their own Mortgage Company is like sending a lamb to slaughter..........Bond", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-16_15:09:59", "killed": false, "user_key": "f0d5ef3a21e8e2cc66f1c6f681a2f770", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "6266868": {"up_voted": false, "ip": "", "has_replies": true, "message": "I would add that if the bank does not come after you for the deficiency, it may send you IRS form 1099 for the amount.  This means that the IRS will treat the forgiven deficiency as self employed income to you and you will have to pay taxes on it.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-14_19:45:56", "killed": false, "user_key": "3e6ebbf6fc7c30b3a9a55125edae2147", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 3, "is_first_child": false, "email": "", "parent_post_id": 5514902, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "6340668": {"up_voted": false, "ip": "", "has_replies": false, "message": "you r wrong, someones house deserves professional attention (provided its legit) if you go in armed with only a limited knowledge of the process you wont recieve the biggest reduction and best outcome. i can tell you what the lender will reduce your payments to because of the previous experience, knowing lender oblogations, laws, etc. lenders are hoping homeowners don't use professionals. dah", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-02-17_17:14:18", "killed": false, "user_key": "7e3d582173a7fa2b7c04467e21769bf0", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 6209524, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "6472774": {"up_voted": false, "ip": "", "has_replies": false, "message": "Notice to all commenters: if you're commenting and pimping the loan modification company you work for or your own personal services your link will be removed as spam. if you feel your comment was removed in error please email me and i'll reconsider.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-21_19:04:56", "killed": false, "user_key": "morganb", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": true, "is_realtime": false}, "6209479": {"up_voted": false, "ip": "", "has_replies": false, "message": "You guys don't have a money back guarantee", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-02-12_12:00:59", "killed": false, "user_key": "a87e0061559939eff22885313bb2b0bf", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 4597535, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "5048010": {"up_voted": false, "ip": "", "has_replies": false, "message": "Indeed a valuable information on the subject but can you think of someone handling all legal aspects of the loan modification process ?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-10_16:29:21", "killed": false, "user_key": "Loan_Modification", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "10 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "6292559": {"up_voted": false, "ip": "", "has_replies": false, "message": "That was the case in the past, since the Mortgage Debt Relief Act went into effect in 2007, lenders are NOT issuing 1099s for forgiven debt.  More can be read at <a href=\"http://www.irs.gov/individuals/article/0%2C%2Cid=179414%2C00.html\" rel=\"nofollow\">http://www.irs.gov/individuals/article/0,,id=17...</a>", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-02-15_22:03:06", "killed": false, "user_key": "KurtEse", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 6266868, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "4990712": {"up_voted": false, "ip": "", "has_replies": false, "message": "There are a few, and I mean like 2 lender service companies, that we are aware of that are reducing the principle balance on loans.  However, that decision to do so is coming from the investor of the loan, not the service company.  Even if you have a loan being serviced by one of these companies, this doesn't mean your investor is the same.  It is a very rare occurrence to see a principle balance reduction.  None the less, companies use it as a marketing\\sales tactic to get you to sign up for service to find out later a conventional modification is what you end up with anyways.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-08_12:40:16", "killed": false, "user_key": "facebook-1281496218", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "10 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 4785184, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "5820882": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hi Carelia,<br><br>You might want to fill out the form at the bottom of this post (above the comments) and someone from the Mortgage Modification Legal Network will contact you directly about your options.  There's no obligation and they'll tell you whether they can help you or not on the first call.  (Disclosure: If you work with them I will make a commission as I'm an affiliate.)  <br><br>Good luck!", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-02-03_18:12:39", "killed": false, "user_key": "morganb", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 5818971, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "5020247": {"up_voted": false, "ip": "", "has_replies": true, "message": "I agree with \"Tharrison\"'s comment. Yes, you can do your own loan modification; but it's a real minefield and will typically take you HOURS on the phone, and you really need to know how to present your circumstances to the lender: esp. evidence of hardship, and your financial situation, esp. how to balance INCOME & EXPENSES. Your being severely 'upside down' will not necessarily push your lender into modifying your loan, through threatening them with what they may lose in a forced sale. Who really owns your loan? Will they care? Maybe they will happily take a loss on the sale of your home, if it creates at least some liquid cash flow for them ...<br>A reputable loan modification company CAN be a great help, if it honestly assesses your situation and identifies a realistic chance of getting you a good mod. Even then, be suspicious if you are asked for a large up front fee, e.g. in excess of $2,000. The company I work for charges (after a detailed and careful free assessment process) a TOTAL of $2,600, with no more than half that charged at outset, and the balance is payable when a satisfactory modification is attained. Even the initial payment is refundable, if the lender unexpectedly issues a flat denial.<br>You need to approach the idea of a modification carefully, with eyes wide open. REMEMBER, If you have significant negative equity, whatever your payment is, or type of loan, you are doing no more than paying rent to your lender - you will not, in this housing market, regain that equity and sell with a surplus, for MANY YEARS. I have clients who have made the arguably sensible decision of 'walking away', and renting the IDENTICAL MODEL of their home up the street,  with a monthly payment of aroung HALF their previous mortgage payment. Hey, they can even put their furniture EXACTLy where it was in their 'owned' property!<br>I'm not RECOMMENDING that: it's your life, & your decision. But you should NEVER let your home kill you financially, OR emotionally. Please feel free to contact me if you wish to share your circumstances. As a Realtor\u00ae I will honestly give you the best advice I can.<br><br>BTW this 'Blownmortgage' web site seems to me to be an EXCELLENT one of its kind, offering sensible, impartial advice. There are too many rip-off loan mod. companies/individuals around trying to screw the vulnerable. SHAME ON THEM.<br><br>Phil. 916 715 4986. <a href=\"mailto:philryder@camoves.com\" rel=\"nofollow\">philryder@camoves.com</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-09_16:00:16", "killed": false, "user_key": "68afbaae67801f1d79e178979229e338", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10 months ago", "approved": true, "num_replies": 3, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "4604763": {"up_voted": false, "ip": "", "has_replies": false, "message": "\u2022\tThe new mortgage, if approved, will replace all of the current mortgages on your home.  You will not owe any payments, fees or debts on mortgages you now hold. <br><br>\u2022\tYou must agree to share both the equity created at the beginning of this new mortgage and a portion of any future appreciation in the value of your home.  (link to equity and appreciation sharing  examples for website). <br><br>\u2022\tIn addition to an upfront mortgage insurance payment of 3%, you will pay a 1.5% annual mortgage insurance premium on your outstanding mortgage balance.  This premium will be included in your monthly payments.<br><br>\u2022\tYou will need to pay closing costs on the loan.  You will receive a Good Faith Estimate of these costs.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-12-24_02:36:11", "killed": false, "user_key": "bec03fca51944b481d8a28af3e88abe7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 4604449, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "15444837": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am an attorney in California helping consumers with Bankruptcy and Loan Modification issues.  I want to get the word out about some problems I am seeing with the loan modification applications.<br><br>Contrary to the recent news, banks are offering loan modifications.  However many of the applications are not accepted for these reasons:<br>1.\tThe application is incomplete.  In contrast to the past, banks require perfect documentation.  For example, if a person is self employed they will be required to provide a current year to date P&L.  Bank statements and Payroll records must be current(past 60 days).  Oftentimes the banks won\u2019t review a file without current information even though they are only reviewing the file 90 days after it is submitted.  Customers should continue to submit bank and payroll records to the bank until the application process is complete.  The banks will not remind clients or call them to let them know their applications are incomplete or their information is outdated.<br>2.\tParts of the file is lost by the bank or servicer.  Banks and servicers are receiving thousands of applications per day(most by fax). When submitting an application to the bank, homeowners should write the loan number on each and every documents, so that the banks can put the documents in the correct file.  Servicers have available to attorneys methods of submitting applications through web portals.  These are not currently available to homeowners.<br>3.\tHomeowners are not using the banks forms.  Most banks now have websites with preprinted forms to use for the application.  If homeowners use other forms for hardship letters or financial statements, the reviewer may not recognize it as such, and deny the application without review.<br>4.\tHomeowners are trying to make themselves look as impoverished as possible to qualify.  The goal of a homeowner should be to explain to the bank why they can not make the current payment.  If the homeowner exaggerates expenses or underreports income, he or she may make themselves ineligible for a modification, when they might otherwise be eligible.<br>5.\tHomeowners are giving up.  The banks are expanding their programs weekly.  Even if a home owner was denied an application last year or even last month, they may be eligible for a program now.  It doesn\u2019t hurt to resubmit an application with updated information.<br>Please call or email me with any questions.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-26_20:00:10", "killed": false, "user_key": "cliffcapdevielle", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "3 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "6262373": {"up_voted": false, "ip": "", "has_replies": false, "message": "Arthur, an attorney based loan modification company can collect fees even when the borrower has received notice of default.. sorry for your friend tho'", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-02-14_13:50:24", "killed": false, "user_key": "8dc12b6fbb7853cc39908ae81806687c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 6209460, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "4579432": {"up_voted": false, "ip": "", "has_replies": true, "message": "I must agree.  Even though I am with a loan modification company.  We do offer a Money Back Guarantee if we are unable to get a loan modified successfully.  None the less, you can DIY a loan mod without a doubt.  However, would you go to court without an attorney?  Of course not!  Counselors like myself have been doing loan mods way before it became an unfortunate \"trend\".  Our service offers, expertise, knowledge and quite frankly the peace of mind of not having to go through the sometimes 90 day process of a loan mod.  Most of our clients have gone the route of DIY and have failed because they do not understand the importance of the information that is submitted to the lender to actually qualify.  Yes, you must qualify for help.  simply filling out paperwork and sending it to your lender will not get you a loan modification or out of foreclosure.  We list our customer testimonies and the successful modifications we get on our website.  This way clients know what we can do for them.  <a href=\"mailto:tharrison@defaultmortgage.org\" rel=\"nofollow\">tharrison@defaultmortgage.org</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-12-22_18:43:31", "killed": false, "user_key": "96e714e6936ccd0842a54c8ad55fc4f1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11 months ago", "approved": true, "num_replies": 2, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "6152819": {"up_voted": false, "ip": "", "has_replies": false, "message": "I didn't recommend that you contact a loan modification company. I<br>recommended that you get the info you need to do it yourself.  I think that<br>the company recommended has good information.   That's all.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-02-10_19:58:26", "killed": false, "user_key": "morganb", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 6152750, "depth": 1, "points": 0, "author_is_creator": true, "is_realtime": false}, "6209524": {"up_voted": false, "ip": "", "has_replies": true, "message": "Never use a loan modification company. They do something you can do yourself veronica which is send information to the bank, cross their fingers and hope for the best.  Don't give Phil your information.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-02-12_12:01:58", "killed": false, "user_key": "a87e0061559939eff22885313bb2b0bf", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 5020247, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "13377526": {"up_voted": false, "ip": "", "has_replies": false, "message": "There are really some good Loan Modification companies out there who will do all of this work for you.  I mean cmon, the average homeowner like me in dire straits is not thinking about doing all of these things nor do they have the time to sit down and tackle this only to make the mistakes and fail;but would rather someone who is an expert take care of it.  Let's be honest, it's in no way an easy process for me and I consider myself to be pretty intelligent.  The company I'm working with charges a fee($2095 or $1795 if just behind but not in foreclosure) with a 100% guarantee in writing covering 47 states and they're getting me caught up(5 months behind and in foreclosure), stopping the threat of foreclosure, reducing my rate by 4.75%, saving over $400 each month, and reducing my loan balance. This is a no brainer and I was also referred to them by my neighbor who already went thru the process successfully saving her home and over $7000 per year on her home loan...I was referred to and currently working with a real nice intelligent guy @ a mortgage company...John Williams, 1-866-846-3355ext.109...see what he can do for you I am telling you he is 1 of the guys who is making the difference for us homeowners right now.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-27_04:08:22", "killed": false, "user_key": "mybizna", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "5375224": {"up_voted": false, "ip": "", "has_replies": false, "message": "I just received information from a law firm that represents Loan Modification and I was blown away by their initiation costs.  What should a reasonable fee be to start the process?  Then it also states should any additional cost arise they would inform me before agreeing to these fees.  However without any idea of what additional cost could be I am afraid that I could have to back out of the agreement with the lawyer because I couldn't afford these additional fees.  Can anyone give me an idea of the total cost to do a loan modification through a lawyer cost?", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-01-19_16:53:16", "killed": false, "user_key": "8bec762a0ccb25da2d087317e1d5310b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10 months ago", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 5366963, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "5697146": {"up_voted": false, "ip": "", "has_replies": false, "message": "The idea of a DIY loan modification sounds good in theory, but the reality is most borrowers simply are not able to make the time commitment to the process to get the best result.  A loan modification requires a substantial time commitment to be able to wait on hold for hours at a time, and be available to take a lenders call anytime during the day.  A borrower should also try and understand the whole process before they start including lender guidelines, programs their particular lender has available, and documents required by the lender.  It's not that a borrower can't do it themselves, it just takes an enormous time and resource commitment to do it right.<br>As far as loan modification companies that offer a \"guarantee,\" the problem with that is they just won't be around when it's time to give the money back...a guarantee is only as good as the company that issued it.  Most of these outfits don't last long.  In the spirit of full disclosure, I am a real estate attorney and manage <a href=\"http://www.mcfarlinlaw.com\" rel=\"nofollow\">www.mcfarlinlaw.com</a>.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-30_10:13:01", "killed": false, "user_key": "tmcfarlin", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "9 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}}, "integration": {"receiver_url": null, "theme": 1, "reply_position": false, "disqus_logo": false}, "timer": {"timer_url": "http://localhost:8005", "thread_id": "8542076", "user_id": "anonymous", "forum_id": "6918", "hash": -3696916026447601192}, "thread": {"days_alive": 0, "slug": "loan_modifications_on_your_own", "paginate": false, "num_pages": 1, "num_posts": 33, "per_page": 0, "total_posts": 0, "realtime_paused": true, "id": 8542076, "queued": false}, "reactions_limit": 10, "context": {"show_reply": true, "use_fb_connect": false, "forum_facebook_key": "", "use_yahoo": false, "subscribed": false, "use_twitter_signin": true, "use_openid": false, "realtime_speed": 5000}, "reactions_start": 0, "settings": {"debug": false, "disqus_url": "http://disqus.com", "media_url": "http://media.disqus.com"}, "media_url": "http://media.disqus.com"};
	/* */ this.jsonData.cookie_messages = {"user_created": null, "post_has_profile": null, "post_twitter": null, "post_not_approved": null}; this.jsonData.session = {"url": null, "name": null, "email": null}; /* */

	
	this.curPageId = 'dsq-comments';

	this.frames = {};
};

var disqus_popup_reference = null;

if(typeof DsqLocal == 'undefined') {
	DsqLocal = {};
}



/**
 * Dsq.Strings: UI strings
 */
Dsq.Strings = new function() {
	this.ADD_NEW_COMMENT = "Add New Comment";
	this.LOG_INTO_DISQUS = "Log into DISQUS";
	this.USE_MEDIA = "Use Media";
	this.LOGOUT = "Logout";
	this.SHARING_OPTIONS = "Sharing options";
	this.SHARE_ON = "Share on";
	this.TWEET_THIS_COMMENT = "Tweet this comment";
	this.SHARE_ON_NEWSFEED = "Share on news feed";
	this.SEND_UPDATE_TO_YAHOO = "Send update to Yahoo!";
	this.REBLOG_ON = "Reblog on";
	this.CONFIGURE_OPTIONS = "Configure options";
	this.POST_AS = "Post as";
	this.SORT_BY = "Sort by";
	this.SUBSCRIBE_BY_EMAIL = "Subscribe by email";
	this.SUBSCRIBE_BY_RSS = "Subscribe by RSS";
	this.POPULAR_NOW = "Popular now";
	this.BEST_RATING = "Best Rating";
	this.NEWEST_FIRST = "Newest first";
	this.OLDEST_FIRST = "Oldest first";
	this.HIGHLIGHTED = "Highlighted";
	this.UNSUBSCRIBE = "Unsubscribe";
	this.REQUIRED = "Required";
	this.OPTIONAL = "Optional";
	this.YOU_ARE_COMMENTING_AS_A = "You are commenting as a";
	this.LOGIN_BELOW = "Login below";
	this.PLEASE_LOGIN_BELOW_TO_COMMENT = "Please login below to comment.";
	this.SUBSCRIBE_TO_ALL_COMMENTS_BY_EMAIL = "Subscribe to all comments by email";
	this.DO_NOT_SUBSCRIBE_TO_COMMENTS = "Do not subscribe to comments";
	this.REALTIME_UPDATING_IS = "Real-time updating is";
	this.ENABLED = "enabled";
	this.PAUSED = "paused";
	this.PAUSE = "Pause";
	this.RESUME = "Resume";
	this.SHOW = "Show";
	this.JUST_NOW = "Just now";
	this.REPLY = "Reply";
	this.EDIT = "Edit";
	this.FLAG = "Flag";
	this.MODERATE = "Moderate";
	this.CANCEL = "Cancel";
	this.REPLYING_TO = "Replying to";
	this.REPORT_MISSING_REACTIONS = "Report missing reactions";
	this.POST_A_COMMENT = "Post a comment";
	this.FLAG_INAPPROPRIATE_COMMENT = "Flag inappropriate comment";
	this.FLAGGED = "Flagged";
	this.NO = "No";
	this.YES = "Yes";
	this.NEVER_MIND = "Never mind";
	this.ARE_YOU_SURE_YOU_WOULD_LIKE_TO_REPORT_THIS_COMMENT_TO_A_MODERATOR = "Are you sure you would like to report this comment to a moderator";
	this.THIS_WILL_FLAG_COMMENTS_FOR_MODERATORS_TO_TAKE_ACTION = "This will flag comments for moderators to take action";
	this.TO_RATE_PLEASE_LOG_IN = "To rate, please log in";
	this.JUST_A_MOMENT = "Just a moment...";
	this.GUEST = "Guest";
	this.NAME = "Name";
	this.EMAIL = "Email";
  this.WEBSITE = "Website";
  this.SETTINGS = "Settings";
  this.MODERATOR_OPTIONS = "Moderator options: ";
};
// Dsq.Strings

/**
 * Dsq.FmtStrings: functions that return interpolated UI strings
 */
Dsq.FmtStrings = new function() {
	// Seems we have to use named interpolation for Django to translate. Investigate more.
	this.LOGGED_IN_AS = function(username) {
		return Dsq.Utils.interpolate('Logged in as %(username)s', {username:username});
	};

	this.LOGOUT_FROM = function(disqus) {
		return Dsq.Utils.interpolate('Logout from %(disqus)s', {disqus:disqus});
	};

	this.SHOWING_COMMENTS_FULL = function(total, num) {
		if (num === 1) {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> of <span id='dsq-total-posts'>%(total)s</span> comment", {num:num, total:total});
		} else {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> of <span id='dsq-total-posts'>%(total)s</span> comments", {num:num, total:total});
		}
	};

	this.SHOWING_COMMENTS_WITHOUT_PAGINATION = function(num) {
		if (num === 1) {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> comment", {num:num});
		} else {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> comments", {num:num});
		}
	};

	this.NUMBER_OF_COMMENTS = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s comment'
				: '%(num)s comments'
			), {num:num});
	};

	this.NUMBER_OF_LIKES = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s like'
				: '%(num)s likes'
			), {num:num});
	};

	this.NUMBER_OF_POINTS = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s point'
				: '%(num)s points'
			), {num:num});
	};
};
// Dsq.FmtStrings





Dsq.CSRF_TOKEN = '478c43f137d197c991b940a072c91ca7';
Dsq.COMMENTS_RE = /(<li.*?id="?dsq-comment-(\d+)"?.*?>)((?:.|\s)*?)(<\/li>)/gim;
Dsq.POST_RE = /(<div.*?id="?dsq-comment-header-(\d+)"?.*?>)((?:.|\s)*?)(<\/div>)\s*(<div.*?class="?dsq-comment-body"?.*?>)((?:.|\s)*)(<\/div>)/gim;
Dsq.POST_BODY_RE = /\s*(<div.*?id="?dsq-comment-message-(\d+)"?.*?>)((?:.|\s)*)(<\/div>)/gim;
// HACK: Safari ends with "-->" while other browsers end with "--&gt;" as expected.
Dsq.MEDIA_POST_RE = /&lt;!--\[(.*?)\]--(?:>|&gt;)/gim;



// TODO: It might be faster to use string methods to find all <li (...) </li> blocks and pass to Dsq.PostHandler manually.
Dsq.CommentsHandler = function(str, head, post_id, content, tail, offset, s) {
	var prepend_post = Dsq.Templates.prependPost(post_id);
	var append_post = Dsq.Templates.appendPost(post_id);

	content = content.replace(Dsq.POST_RE, Dsq.PostHandler);
	Dsq.Templates.postLoopCounter++;
	head = Dsq.Templates.Filters.commentContainer(post_id, head);
	return prepend_post + head + content + tail + append_post;
};

Dsq.PostHandler = function(str, h_head, post_id, h_content, h_tail, b_head, b_content, b_tail, offset, s) {
	var prepend_header = Dsq.Templates.postPrependHeader(post_id);
	var append_header = Dsq.Templates.postAppendHeader(post_id);
	var prepend_body = Dsq.Templates.preBody(post_id);
	var append_body = Dsq.Templates.postBody(post_id);
	var append_footer = Dsq.Templates.postFooter(post_id);

	b_content = b_content.replace(Dsq.POST_BODY_RE, Dsq.PostBodyHandler);
	return h_head + prepend_header + h_content + append_header + h_tail + b_head + prepend_body + b_content + append_body + b_tail + append_footer;
};

Dsq.PostBodyHandler = function(str, head, post_id, content, tail, offset, s) {
	content = Dsq.Templates.Filters.commentContent(post_id, content);
	return head + content + tail;
};

Dsq.MediaPostHandler = function(str, args, offset, s) {
	args = args.split(' ');
	if(args[0] == 'seesmic') {
		return '<br />' + Dsq.Templates.mediaSeesmic(args[1], args[2]);
	}
	return '';
};


/**
 * Shorcuts
 */
Dsq.$ = function(element) { return document.getElementById(element); };
Dsq.$b = document.body || document.getElementsByTagName('body')[0];


/**
 * Dsq.Debug: Logging functions.
 */

Dsq.Debug = new function() {this.log=function(s){};this.profile=function(f){if(typeof f == 'function')return f();else return eval(f);};};


/**
 * Dsq.Urls: URL paths
 */
Dsq.Urls = new function() {
	this.LOGIN = '/profile/login/';
	this.LOGOUT = '/logout/';
	this.REPLY = 'http://disqus.com/forums/blownmortgage/loan_modifications_on_your_own/reply.html';
	this.REQUEST_USER_PROFILE = '/AnonymousUser/';
	this.REQUEST_USER_AVATAR = 'http://media.disqus.com/images/noavatar92.png';
};
// Dsq.Urls

/**
 * Dsq.Validators: Validation for form fields
 */
Dsq.Validators = new function() {
	this.VALID_EMAIL_RE = /^[a-z0-9\-\_\+]+(\.[a-z0-9\-\_\+]+)*\@(([a-z0-9\-\_\+]+(\.[a-z0-9\-\_\+]+)*)+\.[a-z]{2,}|([0-9]+\.){3}[0-9]+)$/i;
	this.name = function(name) {
		var error = false;

		if(typeof Dsq.Templates.placeholder !== 'undefined' &&
		   name == Dsq.Templates.placeholder.name) {
			error = true;
		}
		if(name.length <= 1) {
			error = true;
		}

		if(error) {
			return "Please enter a name to comment.";
		} else {
			return true;
		}
	};
	this.email = function(addr) {
		if(Dsq.Validators.VALID_EMAIL_RE.test(addr)) {
			return true;
		} else {
			return "Please enter a valid email to comment.";
		}
	};
	this.url = function(addr) {
		if(!addr || addr.indexOf('.') != -1) {
			return true;
		} else {
			return "Please check your website URL (this field is optional).";
		}
	};

	this.validate = function(bulk_validation, failure_callback) {
		failure_callback = failure_callback || function(e){ alert(e); };

		for(var i = 0; i < bulk_validation.length; i++) {
			v = bulk_validation[i];
			ret = v.validator(v.value);
			if(ret !== true) {
				failure_callback(ret);
				return false;
			}
		}
		return true;
	};
};

/**
 * Dsq.Utils: Generic utility functions.
 */
Dsq.Utils = new function() {
	this.ie = /msie/i.test(navigator.userAgent) && !/opera/i.test(navigator.userAgent);
	this.ie7 = (document.all && !window.opera && window.XMLHttpRequest) ? true : false;
	this.ie6 = (!window.XMLHttpRequest) ? true: false;
	this.webkit = navigator.userAgent.indexOf('AppleWebKit/') >= 0;
	this.gebiFromElementCollectionCache = {};
	this._styleSheet = null;

	this.gebiFromElement = function(el, id, tag) {
		// This only method only helps IE.
		if(!this.ie) {
			return Dsq.$(id);
		} else {
			var cacheKey = el.id + '-' + tag;
			tag = tag || 'div';
			if(typeof this.gebiFromElementCollectionCache[cacheKey] != 'undefined') {
				collection = this.gebiFromElementCollectionCache[cacheKey];
			} else {
				collection = el.getElementsByTagName(tag);
				this.gebiFromElementCollectionCache[cacheKey] = collection;
			}

			for(var i = 0; i < collection.length; i++) {
				if(collection[i].id == id) {
					return collection[i];
				}
			}
			return null;
		}
	};

	this.execOnReady = function(func) {
		var node = document.createElement('document:ready');
		try {
			node.doScroll('left');
			func();
			node = null;
		} catch(err) {
			setTimeout(function() { Dsq.Utils.execOnReady(func); }, 10);
		}
	};


	// Courtesy of http://www.quirksmode.org/js/cookies.html
	this.createCookie = function(name,value,days) {
		if (days) {
			var date = new Date();
			date.setTime(date.getTime()+(days*24*60*60*1000));
			var expires = "; expires="+date.toGMTString();
		}
		else var expires = "";
		document.cookie = name+"="+value+expires+"; path=/";
	};

	this.readCookie = function(name) {
		var nameEQ = name + "=";
		var ca = document.cookie.split(';');
		for(var i=0;i < ca.length;i++) {
			var c = ca[i];
			while (c.charAt(0)==' ') c = c.substring(1,c.length);
			if (c.indexOf(nameEQ) == 0) return c.substring(nameEQ.length,c.length);
		}
		return null;
	};

	this.eraseCookie = function(name) {
		Dsq.Utils.createCookie(name,"",-1);
	};

	this.deleteNode = function(node) {
		if(node) {
			this.deleteChildren(node);
			if(typeof node.outerHTML != 'undefined') { node.outerHTML = ''; }
			else if(node.parentNode) { node.parentNode.removeChild(node); }
			delete node;
		}
	};

	this.deleteChildren = function(node) {
		if(node) {
			for(var x = node.childNodes.length-1; x >= 0; x--) {
				var childNode = node.childNodes[x];
				if(childNode.hasChildNodes()) { this.deleteChildren(childNode); }
				if(typeof childNode.outerHTML != 'undefined') { childNode.outerHTML = ''; }
				else node.removeChild(childNode);
				delete childNode;
			}
		}
	};

	this.findPos = function(obj) {
		var curleft = 0;
		var curtop = 0;
		if (obj.offsetParent) {
			do {
				curleft += obj.offsetLeft;
				curtop += obj.offsetTop;
			} while (obj = obj.offsetParent);
		}
		return [curleft,curtop];
	};

	this.getWindowSize = function() {
		var windowWidth = -1;
		var windowHeight = -1;

		if(typeof(window.innerWidth) == 'number') { //Non-IE
			windowWidth = window.innerWidth;
			windowHeight = window.innerHeight;
		} else if(document.documentElement) { // IE 6+ in 'standards compliant mode'
			windowWidth = document.documentElement.clientWidth || document.body.clientWidth;
			windowHeight = document.documentElement.clientHeight || document.body.clientHeight;
		}

		return [windowWidth, windowHeight];
	}

	this.getScrollPos = function() {
		var scrollWidth, scrollTop;

		if(document.documentElement && (document.documentElement.scrollTop || document.documentElement.scrollWidth)) {
			scrollWidth = document.documentElement.scrollWidth;
			// IE is weird here.  If no doctype is provided, document.body.scrollTop is 0,
			// otherwise document.documentElement.scrollTop is 0.
			scrollTop = document.documentElement.scrollTop || document.body.scrollTop;
		} else if(document.body.scrollTop && document.body.scrollWidth) {
			scrollWidth = document.body.scrollWidth;
			scrollTop = document.body.scrollTop;
		}

		return [scrollWidth, scrollTop];
	}

	this.addEventListener = function(instance, eventName, listener) {
		var listenerFn = listener;
		if (instance.addEventListener) {
			instance.addEventListener(eventName, listenerFn, false);
		} else if (instance.attachEvent) {
			listenerFn = function() {
				listener(window.event);
			};
			instance.attachEvent("on" + eventName, listenerFn);
		} else {
			throw new Error("Event registration not supported");
		}
		return {
			instance: instance,
			name: eventName,
			listener: listenerFn
		};
	};

	this.removeEventListener = function(event) {
		var instance = event.instance;
		if (instance.removeEventListener) {
			instance.removeEventListener(event.name, event.listener, false);
		} else if (instance.detachEvent) {
			instance.detachEvent("on" + event.name, event.listener);
		}
	};

	this.fixIframesIE = function(id) {
		var disqusThread = Dsq.$(disqus_container_id);
		var iframes = disqusThread.getElementsByTagName('iframe');

		if(id) {
			var container = Dsq.$(id);
		} else {
			var container = Dsq.$('dsq-content');
		}

		for(i = 0; i < iframes.length; i++) {
			if (container) {
				iframes[i].style.width = container.offsetWidth;
			}
		}
	};

	this.getElementsByClassName = function(oElm, strTagName, strClassName) {
	/* Credit: Jonathan Snook [http://www.snook.ca/jonathan], Robert Nyman [http://www.robertnyman.com] */
		var arrElements = (strTagName == "*" && oElm.all)? oElm.all : oElm.getElementsByTagName(strTagName);
		var arrReturnElements = new Array();
		strClassName = strClassName.replace(/\-/g, "\\-");
		var oRegExp = new RegExp("(^|\\s)" + strClassName + "(\\s|$)");
		var oElement;
		for(var i = 0; i < arrElements.length; i++) {
			oElement = arrElements[i];
			if(oRegExp.test(oElement.className)) {
				arrReturnElements.push(oElement);
			}
		}
		return (arrReturnElements);
	};

	this.postToUrl = function(url, post_data, opt_redirect) {
		var form = document.createElement('form');
		var iframe_container = document.createElement('div');
		var id = 'dsq-temp-iframe-' + (new Date()).getTime();

		form.method = 'POST';
		form.action = url;
		if (!opt_redirect) {
			form.target = id;
		}
		iframe_container.innerHTML = '<iframe style="display:none" name="' + id + '" id="' + id + '"></iframe>';

		for(var key in post_data) {
			if(post_data.hasOwnProperty(key)) {
				var input = document.createElement('input');
				input.name = key;
				input.type = 'hidden';
				input.value = post_data[key];

				form.appendChild(input);
			}
		}

		Dsq.$b.appendChild(iframe_container);
		Dsq.$b.appendChild(form);
		form.submit();
	};

	// Strips integer id from id of element in the form ('some-id-###')
	this.extractId = function(e) {
		var chunks = e.id.split('-');
		if(chunks.length <= 1) {
			return 0;
		} else {
			return parseInt(chunks[chunks.length-1]);
		}
	};

	this.getStyle = function(el, styleProp) {
		if(el.currentStyle) {
			var y = el.currentStyle[styleProp];
		} else if(window.getComputedStyle) {
			var y = document.defaultView.getComputedStyle(el, null).getPropertyValue(styleProp);
		}

		if(y == 'transparent' || y == '') {
			this.getStyle(el.parentNode, styleProp);
		} else {
			return y;
		}
	};

	this.execScript = function(url, append_qs, container) {
		var script = document.createElement('script');
		append_qs = typeof append_qs == 'undefined' ? true : append_qs;
		container = container || Dsq.container;

		if(append_qs) {
			var j = (url.indexOf('?') >= 0) ? '&' : '?';
			url += j + (new Date()).getTime();
		}
		script.type = 'text/javascript';
		script.charset = 'UTF-8';
		script.src = url;
		container.appendChild(script);
		return script;
	};

	this.pluralize = function(num, singular, plural) {
		return (num != 1) ? plural || 's' : singular || '';
	};

	this.getRequestParams = function(queryString /* optional */) {
		var pairs, tuple;
		var params = {};

		queryString = queryString || window.location.search.substring(1);
		pairs = queryString.split('&');

		for (var i = 0, pair; pair = pairs[i]; i++) {
			tuple = pair.split('=');
			params[tuple[0]] = (tuple[1] || true);
		}

		return params;
	};

	this.addCssRule = function(selector, styleText, index) {
		var stylesheet;
		index = index || 0;

		if(!this._styleSheet) {
			var styleEl = document.createElement('style');
			document.getElementsByTagName('head')[0].appendChild(styleEl);
			this._styleSheet = styleEl.sheet;
			if(!this._styleSheet) {
				// IE does not like our newly created stylesheet.
				this._styleSheet = document.styleSheets[document.styleSheets.length-1];
			}
		}
		stylesheet = this._styleSheet;

		if(stylesheet.insertRule) {
			var ruleText = selector + ' { ' + styleText + ' }';
			if(index == -1) {
				index = stylesheet.cssRules.length;
			}
			stylesheet.insertRule(ruleText, index);
		} else if(stylesheet.addRule) {
			stylesheet.addRule(selector, styleText, index);
		}
	};

	this.forEachIn = function(obj, callback) {
		for(var key in obj) {
			if(obj.hasOwnProperty(key)) {
				callback(key, obj[key]);
			}
		}
	};

	this._interpolateGlobalContext = {
		// values that get used a lot and are global to the request
		'profile_url': Dsq.Urls.REQUEST_USER_PROFILE,

		'disqus_url': Dsq.jsonData.settings.disqus_url,
		'media_url': Dsq.jsonData.settings.media_url,
		'request_username': Dsq.jsonData.request.username,
		'request_display_username': Dsq.jsonData.request.display_username,
		'forum_name': Dsq.jsonData.forum.name
	};

	this.renderFromContextStack = function(key, contexts) {
		// Returns the first instance of `key` in the array of objects `contexts` or else ''
		for (var i=0; i<contexts.length; i++) {
			if (contexts[i][key] !== undefined) {
				return String(contexts[i][key]);
			}
		}
		throw new Error('key ' + key + ' not found in context');
	};

	var that = this;
	this.interpolate = function(fmt, opt_localContext) {
		// Interpolate `fmt` named-format string with an assumed global context.
		// Based on `interpolate` in django.views.i18n
		var contextStack = [opt_localContext || {}, that._interpolateGlobalContext];
		return fmt.replace(/%\(\w+\)s/g, function(match){
			return that.renderFromContextStack(match.slice(2,-2), contextStack);
		});
	};

	this.stripTags = function(s) {
		// Removes HTML tags from `s`
		return s.replace(/(<([^>]+)>)/g,"");

	};

	this.assert = function(b) {
		if (!b) {
			throw new Error('Assertion error.');
		}
	};

};
// Dsq.Utils

/**
 * Dsq.Popup: Popup helper functions.
 */
Dsq.Popup = new function() {
	this.timeHide = new Array();
	this.timeShow = new Array();
	this.activePopup = {};
	this.profileCache = {};
	this.statusCache = {};

	this.showTimer = function(post_id) {
		// clear the hide timer
		clearTimeout(this.timeHide[post_id]);

		// start the timer
		if(!Dsq.Popup.profileIsOn && !Dsq.Thread.adminIsOn) {
			this.timeShow[post_id] = setTimeout("Dsq.Popup.popProfile(\"" + post_id + "\")", 400);
		}
	};

	this.hideTimer = function(post_id) {
		// clear the show timer
		clearTimeout(this.timeShow[post_id]);
	};

	this.updateProfile = function(username) {
		// Callback from /embed/profile.js
		if (this.statusCache[username]) {
			var statusEl = Dsq.$('dsq-profile-status-' + username);
			statusEl.innerHTML = this.statusCache[username];
			statusEl.style.display = 'block';
		}

		if (this.profileCache[username]) {
			var _cache = this.profileCache[username];

			var _genhtml = function(text) { return '<span><big>' + text + '</big></span>'; };
			var _no_comments = _genhtml(Dsq.FmtStrings.NUMBER_OF_COMMENTS(_cache.comments_count));
			var _no_likes = _genhtml(Dsq.FmtStrings.NUMBER_OF_LIKES(_cache.likes_count));
			var _no_points = _genhtml(Dsq.FmtStrings.NUMBER_OF_POINTS(_cache.points));

			var statsEl = Dsq.$('dsq-popup-profile-user-stats-' + username);
			statsEl.innerHTML = '';

			if (Dsq.jsonData.users[username].registered) {
				statsEl.innerHTML = _no_comments + _no_likes;
			}
			statsEl.innerHTML += _no_points;

			var activeSites = '';
			for (var i = 0; i < _cache.active_sites.length; i++) {
				var site = _cache.active_sites[i];
				activeSites += '<li><a href="' + site.url + '"> \
					<img src="' + site.favicon + '"/ width="16" height="16"/></a>\
					<a href="' + site.url + '">' + site.name + '</a></li>';
			}
			if (activeSites !== '') {
				Dsq.$('dsq-popup-profile-active-sites-' + username).innerHTML = activeSites;
			} else {
				Dsq.$('dsq-popup-profile-active-sites-' + username).innerHTML = 'This site.';
			}

			var moderatedSites = '';
			for (var i = 0; i < _cache.moderated_sites.length; i++) {
				var site = _cache.moderated_sites[i];
				moderatedSites += '<li><a href="' + site.url + '"> \
					<img src="' + site.favicon + '"/ width="16" height="16"/></a>\
					<a href="' + site.url + '">' + site.name + '</a></li>';
			}
			if (moderatedSites !== '') {
				Dsq.$('dsq-popup-profile-moderated-' + username).innerHTML = moderatedSites;
			} else {
				Dsq.$('dsq-popup-profile-moderated-wrapper-' + username).innerHTML = '';
			}
		}

		// Reposition popup after full HTML is rendered
		if(Dsq.Popup.activePopup && Dsq.Popup.activePopup.el) {
			Dsq.Popup.initPopup(Dsq.Popup.activePopup.el, Dsq.Popup.activePopup.id, Dsq.Popup.activePopup.type);
		}

	};

	this.showCookieMsgs = function() {
		var title = '';
		var message = '';
		var numAlerts = 0;

		Dsq.Utils.forEachIn(Dsq.jsonData.cookie_messages, function(k, v) {
			if (!v) return;

			switch(k) {
				// Cookie: Twitter
				case 'post_twitter':
					if (v === 'error') {
						title = 'Twitter Error!';
						message += '<li id="dsq-msg-twitter-error">Oops, we couldn\'t tweet this comment. Please check your <a href="http://disqus.com/account/services">account settings</a>.</li>';
					} else {
						var _msg = v.split(':');
						title = 'Tweeted!';
						message += '<li id="dsq-msg-twitter-success">Your comment was successfully tweeted. <a href="http://twitter.com/' + _msg[0] + '/status/' + _msg[1] + '">Click here to view the tweet</a>.</li>';
					}
					break;
				// Cookie: Unapproved Post
				case 'post_not_approved':
					title = 'Comment awaiting approval by a moderator';
					message += '<li id="dsq-msg-post-not-approved">Your comment must be approved by a moderator before appearing here.</li>';
					break;
				// Cookie: Profile Found
				case 'post_has_profile':
					title = 'Use your existing commenter profile';
					message += '<li id="dsq-msg-post-has-profile">You have just posted your commment as a <span class="dsq-badge-guest">Guest</span>, but you may already have a <span class="logo-disqus">Disqus</span> Profile.<br /><br /><a href="http://disqus.com/claim">Log in and claim this comment!</a></li>';
					break;
				case 'user_created':
					var _data = v.split(':');
					title = 'Profile created!';
					message += '<li id="dsq-msg-user-created">You have just created a <span class="logo-disqus">Disqus</span> Profile, the best way to claim, manage, and track your comments all over the web. \
					<br /><br />A confirmation is being sent to <strong>' + _data[1] + '</strong>. Please check for this email in order to verify your profile. \
					<ul class="dsq-list-tick"> \
						<li>Your username is <strong>' + _data[0] +'</strong>. <a href="http://disqus.com/people/' + _data[0] + '/" target="_blank">Click here to view your public profile</a>.</li> \
						<li>Be sure to set your profile picture, as well as connect your <span class="dsq-badge-facebook">Facebook</span> and <span class="dsq-badge-twitter">Twitter</span> accounts. <a href="http://disqus.com/account/" target="_blank">Click here for account settings</a>.</li> \
					</ul> \
					</li>'
					break;
				default:
					break;
			}
			numAlerts++;
		});

		if(numAlerts > 1) {
			message = '<ul class="dsq-list-bluebullet">' + message;
			message += '</ul>';
			title = 'Thanks for posting!';
		}
		if(numAlerts > 0) {
			if(typeof(disqus_cookie_msgs) == 'function') {
				disqus_cookie_msgs(message, title);
			} else {
				Dsq.Popup.popModal(message, title);
			}
		}
	};

	this.helpBadges = function(post_id) {
		var html = ' \
			<ul class="dsq-popup-help"> \
				<li><span class="dsq-badge dsq-badge-verified">Verified</span> has a <span class="logo-disqus">Disqus</span> Profile with a confirmed email address.</li> \
				<li><span class="dsq-badge dsq-badge-registered">Registered</span> has a <span class="logo-disqus">Disqus</span> Profile, but has not yet confirmed his or her email address.</li> \
				<li><span class="dsq-badge dsq-badge-guest">Guest</span> is not logged in with any account and has not claimed his or her comments.</li> \
				<li class="dsq-help-otheraccts">Other accounts</li> \
				<li><span class="dsq-badge dsq-badge-facebook">Facebook</span> is using his or her Facebook profile via Facebook Connect.</li> \
				<li><span class="dsq-badge dsq-badge-twitter">Twitter</span> is using his or her Twitter profile via Twitter Sign-in.</li> \
				<li><span class="dsq-badge dsq-badge-openid">OpenID</span> is using his or her OpenID.</li> \
			</ul> \
		';

		this.popModal(html, 'Help: Types of Commenters', post_id);
		return;
	};

	this.permalink = function(post_id) {
		var header = 'Link to this comment';
		var body = '<strong>You are anchored to</strong>:<br />' + document.location.protocol + '//' + document.location.host + document.location.pathname + document.location.search + '#comment-' + post_id;

		this.popModal(body, header, post_id);
	};

	this.login = function(header, body) {
		var h = header || 'Login or Register';
		var b = body || '';
		b += Dsq.Templates.frameLogin({id: 'dsq-popup-login'});
		b += '</iframe>'; // HACK: Sometimes there is something funky with the IFRAME SRC that causes no end tag
		this.popModal(b, h, null, true, 'dsq-popup-login');
	};

	this.blacklist = function(id) {
		var _meta = Dsq.jsonData.posts[id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		var title = 'Add to Blacklist';
		var message = ' \
		Adding this person to the blacklist will block him or her from commenting on this site. Check the following types that you would like to add to the blacklist:'
		+ (userData['registered'] ?
			'<div class="dsq-blacklist-option"> \
				<input id="dsq-blacklist-username" type="checkbox" checked> \
				<label for="dsq-blacklist-username"><strong>Username</strong>: ' + userData['username'] + '</label> \
			</div>'
			: '')
		+ (_meta.email ?
			'<div class="dsq-blacklist-option"> \
				<input id="dsq-blacklist-email" type="checkbox" checked> \
				<label for="dsq-blacklist-email"><strong>Email address</strong>: ' + _meta.email + '</label> \
			</div>'
			: '')
		+ '<div class="dsq-blacklist-option"> \
			<input id="dsq-blacklist-ip" type="checkbox" onclick="Dsq.$(\'dsq-blacklist-ip-warning\').style.display=\'block\'"> \
			<label for="dsq-blacklist-ip"><strong>IP address</strong>: ' + _meta.ip + '</label> \
		</div> \
		';

		message += ' \
			<p id="dsq-blacklist-ip-warning" style="display:none">	\
				Note: Blocking this person\'s IP address may also unintentionally prevent others, who share his/her IP address, from commenting on this site. \
				This may include people who are sharing the same computer, living in the same house, or using the same Internet provider. Only block an IP address as a last resort. \
			</p> \
		';

		message += ' \
			<p style="text-align:center"><button onclick="Dsq.Post.blockUser(' + id + '); this.disabled=true; this.innerHTML=\'Just one moment...\'">Add to Blacklist</button></p> \
		';

		Dsq.Popup.popModal(message, title);
	};

	this.popModal = function(message, title, post_id, use_listener, extra_classes) {
		var container = document.createElement('div');
		var header, body;

		Dsq.Popup._closePopup(null, true);

		if(typeof(title) == 'undefined') { title = ''; }
		if(typeof(use_listener) == 'undefined') { use_listener = true; }

		if(post_id) {
			container.id = 'dsq-popup-message-' + post_id;
		} else {
			container.id = 'dsq-popup-message';
		}

		header = title;
		body = message;

		container.innerHTML = Dsq.Templates.popupModal(header, body);
		Dsq.Popup.initPopup(container, post_id, 'message', extra_classes);
		if(use_listener) {
			Dsq.Popup.popupListener = Dsq.Utils.addEventListener(document, 'mouseup', Dsq.Popup._closePopup);
		}
	};

	this.popAlert = this.popModal;

	this.loading = function(post_id) {
		var title = Dsq.Strings.JUST_A_MOMENT;
		var body = '<div style="text-align:center; padding: 5px 0 10px 0"><img src="http://media.disqus.com/images/loading.gif" alt="" /></div>'
		Dsq.Popup.lightbox(body, title, post_id);
	};

	this.lightbox = function(message, title, post_id) {
		// Wraps Dsq.Popup.popModal

		var overlay = document.createElement('div');
		overlay.id = 'dsq-overlay';
		overlay.className = 'dsq-overlay';
		Dsq.$b.appendChild(overlay);
		
		Dsq.Popup.popModal(message, title, post_id, false, 'dsq-lightbox');
	};

	this.popProfile = function(post_id, userKey) {
		var post = Dsq.jsonData['posts'][post_id];
		if (post && post.has_been_anonymized) {
			Dsq.Popup.popModal('This message was anonymized by its previous owner.', 'Anonymized', post_id);
			return;
		}

		if(post_id) {
			userKey = Dsq.jsonData['posts'][post_id].user_key;	
		}
		var userData = Dsq.jsonData['users'][userKey];
		var elId = 'dsq-popup-profile-' + userKey;
		var container = document.createElement('div');

		if(this.activePopup.el) {
			this._closePopup(null, true);
			if(this.activePopup.linkClicked) {
				this.activePopup.linkClicked = false;
				return;
			}
		}

		container.id = elId;
		container.innerHTML = Dsq.Templates.popupProfile(userKey);

		this.initPopup(container, post_id, 'profile');
		this.popupListener = Dsq.Utils.addEventListener(document, 'mouseup', this._closePopup);

		if(!this.profileCache[userKey]) {
			Dsq.Utils.execScript('http://disqus.com/embed/profile.js'
				+ '?username=' + userKey
				+ '&anon=' + (userData['registered'] ? 0 : 1)
				+ '&f=' + Dsq.jsonData['request'].forum);
		} else {
			this.updateProfile(userKey);
		}
	};

	this._closePopup = function(e, force) {
		var activePopup = Dsq.Popup.activePopup.el;
		var id = Dsq.Popup.activePopup.id;
		var link = 'dsq-avatar-' + id; // HACK: Specific to profile toggle target

		// HACK: This event should be gone if there is no active popup.
		if(!activePopup) {
			return;
		}
		if(force || !Dsq.Popup.isClicked(e, activePopup.id)) {
			// TODO: This is breaking iE?
			if(Dsq.Popup.popupListener) {
				Dsq.Utils.removeEventListener(Dsq.Popup.popupListener);
			}
			
			// Kill overlay
			var overlay = Dsq.$('dsq-overlay');
			if(overlay) { Dsq.Utils.deleteNode(overlay); }
			
			try {
				Dsq.Utils.deleteNode(activePopup);
			} catch(e) {
				// HACK: IE6 throws an error when using deleteNode() with a node containing a <table> in the html.
				activePopup.parentNode.removeChild(activePopup);
			}
			Dsq.Popup.activePopup = {};
		}

		if(!force && Dsq.Popup.isClicked(e, link)) {
 			Dsq.Popup.activePopup.linkClicked = true;
		}

	};

	this.initPopup = function(popup, post_id, type, extra_classes) {
		popup.className = 'dsq-popup dsq-popup-' + type + ' ' + (extra_classes ? extra_classes : '');
		if(Dsq.Utils.ie6 || Dsq.Utils.ie7) {
			// HACK: We can't modify the body before it's ready, so we need
			//       to use an IE-safe "DOMReady" workaround before loading
			//       our popup.
			Dsq.Utils.execOnReady(function() {Dsq.$b.appendChild(popup); });
		} else {
			Dsq.$b.appendChild(popup);
		}

		popup.style.display = 'block';

		var xPos = (Dsq.Utils.getWindowSize()[0] - popup.offsetWidth) / 2;
		var yPos = (Dsq.Utils.getWindowSize()[1] - popup.offsetHeight) / 2;

		if(Dsq.Utils.ie6) {
			yPos += Dsq.Utils.getScrollPos()[1];
		}

		popup.style.left = xPos + 'px';
		popup.style.top = yPos + 'px';

		Dsq.Popup.activePopup = {
			'el' : popup,
			'id' : post_id,
			'type': type,
			'linkClicked' : false
		};
	};

	this.isClicked = function(e, id) {
		var t = e.target || e.srcElement;
		while(t && t.parentNode) {
			if(t.id == id) {
				return true;
			}

			t = t.parentNode;
		}
		return false;
	};
};
// Dsq.Popup

/**
 * Dsq.Templates
 */
Dsq.Templates = new function() {
	/*
	 * Counter keeping track of the number of posts iterated over.
	 */
	this.postLoopCounter = 0;
	this.filters = {};
	this.addPostContainer = 'dsq-post-add';
	this.textareaContainer = 'dsq-post-add';

	this.registerTemplate = function(name, func) {
		this['$$_' + name] = func;

		if(typeof DsqLocal.Filters != 'undefined'
		&& typeof DsqLocal.Filters[name] == 'function') {
			// Push filters to this.filters to unify code.
			this.filters[name] = this.filters[name] || [];
			this.filters[name].push(DsqLocal.Filters[name]);
		}

		this[name] = function() {
			var ret;

			if(typeof DsqLocal.Templates != 'undefined'
			&& typeof DsqLocal.Templates[name] == 'function') {
				ret = DsqLocal.Templates[name].apply(this, arguments);
			}

			if(ret === undefined) {
				ret = this['$$_' + name].apply(this, arguments);
			}

			if(this.filters[name]) {
				var args = [ret];

				args.push.apply(args, arguments);
				for(var i = 0; i < this.filters[name].length; i++) {
					ret = this.filters[name][i].apply(this, args);
				}
			}

			return ret;
		};
	};

	this.registerFilter = function(name, func) {
		this.filters[name] = this.filters[name] || [];
		this.filters[name].push(func);
	};

	/**
	 * Dsq.Templates.Filters
	 */
	this.Filters = new function() {
		this.commentContainer = function(post_id, s) {
			var _meta = Dsq.jsonData.posts[post_id];
			var classes = [];
			if(Dsq.jsonData.request.page > 1) {
				classes.push('dsq-append');
			}

			//
			// Extra classes used for custom themes
			//

			if(_meta.depth) {
				classes.push('dsq-comment-child', 'dsq-depth-' + _meta.depth, 'dsq-parent-is-' + _meta.parent_post_id);
			}


			//

			if(_meta.author_is_creator) {
				// TODO: We need to deprecate the "special" class since it is not properly prefixed.
				classes.push('special', 'dsq-special');
			}
			if(_meta.author_is_moderator) {
				classes.push('dsq-moderator');
			}
			classes.push(['dsq-odd', 'dsq-even'][Dsq.Templates.postLoopCounter % 2]);

			s = s.substring(0, s.lastIndexOf('>'));
			return s + ' class="dsq-comment ' + classes.join(' ') + '" style="margin-left:' + _meta.depth*30 + 'px">';
		};

		this.commentContent = function(post_id, s) {
			var _meta = Dsq.jsonData.posts[post_id];
			if (_meta.killed) {
				return '<em>Comment removed.</em>';
			} else if (!_meta.approved) {
				return '<em>This comment was flagged for review.</em>';
			}

			s = s.replace(Dsq.MEDIA_POST_RE, Dsq.MediaPostHandler);
			return s;
		};
	};

	//
	// Thread
	//
	// TODO: These need to be stripped of all Django template tags.

	this.authPost = function() {
		if (!Dsq.jsonData.context.show_reply) {
			return '';
		}
		var result = [];
		result = result.concat([
				'<div id="dsq-auth"',
						Dsq.jsonData.integration.reply_position ? 'class="dsq-auth-bottom"' : '',
						'>',
					'<div class="dsq-by">',
						'<a href="http://disqus.com" target="_blank">',
							(Dsq.jsonData.integration.disqus_logo ?
								Dsq.Utils.interpolate('<img src="%(media_url)s/images/embed/by-disqus.png" alt="discussion by DISQUS">') :
								Dsq.Utils.interpolate('<img src="%(media_url)s/images/embed/dsq-button-120x19.png" alt="discussion by DISQUS">')
							),
						'</a>',
					'</div>',
					'<div class="dsq-auth-header">',
						'<h3 id="dsq-add-new-comment" class="dsq-h3-addcomment">',
								Dsq.Strings.ADD_NEW_COMMENT,
						'</h3>',
						'<div id="dsq-login">',
						(!Dsq.jsonData.request.is_authenticated && Dsq.jsonData.forum.allow_anon_post
								? '<p class="dsq-login-message" id="dsq-login-message">You are commenting as a <a class="dsq-help" title="Click for more information" href="#" onclick="Dsq.Popup.helpBadges(); return false">Guest</a>. You may select one to log into:</p>'
								: '')
		]);
		if (!Dsq.jsonData.request.is_authenticated) {
			result = result.concat([
							Dsq.Utils.interpolate(
								'<a id="dsq-login-toggle" href="%(disqus_url)s%(login_url)s?next=article:%(thread_id)s" onclick="Dsq.Popup.login(); return false"><img class="dsq-login-icon" src="%(media_url)s/images/dsq-profile-btn.png" title="%(log_into)s" alt="%(log_into)s"/></a>',
								{login_url: Dsq.Urls.LOGIN, thread_id: Dsq.jsonData.thread.id, log_into: Dsq.Strings.LOG_INTO_DISQUS}
								),
							'&nbsp; ',
							(Dsq.jsonData.context.use_fb_connect ?
								'<div id="dsq-fbc-login" onlogin="DisqusFbcParentController.onLogin()" size="medium" background="light" length="short" style="display:inline; margin-right:7px"></div>' :
								''
							),
							(Dsq.jsonData.context.use_twitter_signin ?
								Dsq.Utils.interpolate(
									'<div id="dsq-twitter-login" class="dsq-twitter-login" onclick="Dsq.Twitter.startTwitterConnect();" style="display:inline; cursor: pointer"><img src="%(media_url)s/images/twitter-signin-short.png" style="margin-right:7px" /></div>', {}) : ''),
							(Dsq.jsonData.context.use_openid ?
								Dsq.Utils.interpolate(
									'<div id="dsq-openid-login" class="dsq-openid-login" onclick="Dsq.OpenID.requestURL();" style="display:inline; cursor:pointer;"><img src="%(media_url)s/images/openid-login-button.png"/></div>', {}
								) : '')
			]);
		}
		result = result.concat([
						'</div>', // dsq-login
					'</div>', // dsq-auth-header
					'<div id="dsq-authenticated" class="dsq-authenticated" ',
						Dsq.jsonData.request.is_authenticated ? 'style="display:block"' : '',
						'>',
						'<div class="dsq-authenticated-pic">',
								Dsq.Utils.interpolate('<a href="%(url)s" title="%(request_display_username)s">' +
																			'<img class="dsq-post-avatar" src="%(avatar_url)s" alt="" /></a>',
																			{avatar_url: Dsq.Urls.REQUEST_USER_AVATAR,
																			url: (Dsq.jsonData.request.is_remote
																					 ? Dsq.jsonData.request.url
																					 : Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE) }),
						'</div>',
						'<div class="dsq-authenticated-info">',
							'<ul>',
								'<li>',
									(Dsq.jsonData.request.is_remote
										? Dsq.FmtStrings.LOGGED_IN_AS(
												Dsq.Utils.interpolate('<a href="%(url)s" title="%(request_display_username)s">%(request_display_username)s</a>', {url:Dsq.jsonData.request.url})
										  )
										: Dsq.FmtStrings.LOGGED_IN_AS(
												Dsq.Utils.interpolate('<a href="%(disqus_url)s%(profile_url)s" title="%(request_display_username)s">%(request_display_username)s</a>')
											)
									),
								'</li>',
								'<li class="logout">',
									(!Dsq.jsonData.request.is_remote
										? Dsq.Utils.interpolate('<img class="dsq-login-icon" src="%(media_url)s/images/dsqicon12.png" alt="%(logged_in_as)s"/>&nbsp',
											{logged_in_as: Dsq.FmtStrings.LOGGED_IN_AS(Dsq.jsonData.request.display_username)})
										: ''),

									(!Dsq.jsonData.request.is_remote
										? Dsq.Utils.interpolate('<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="%(logout_from_disqus)s">',
											{logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN, logout_from_disqus: Dsq.FmtStrings.LOGOUT_FROM('DISQUS')})
										: ((Dsq.jsonData.request.remote_domain == 'twitter')
												? Dsq.Utils.interpolate('using Twitter (<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="Logout">Logout</a>)',
												 {logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN})
												: ((Dsq.jsonData.request.remote_domain == 'openid')
													 ? Dsq.Utils.interpolate('using OpenID (<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="Logout">Logout</a>)',
													 {logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN})
													 : ''
													)
											)
									),

									(!Dsq.jsonData.request.is_remote ? Dsq.FmtStrings.LOGOUT_FROM('<span class="logo-disqus">DISQUS</span>') : ''),
									'</a>',
								'</li>',
							'</ul>',
						'</div>',
					'</div>'
		]);
		if (Dsq.jsonData.context.use_fb_connect) {
			result = result.concat([
					'<div id="dsq-fbc-authenticated" class="dsq-authenticated">',
						'<div id="dsq-fbc-profilepic" class="dsq-authenticated-pic" uid="loggedinuser" type="FB.XFBML.ProfilePic" size="square" facebook-logo="true"></div>',
						'<div class="dsq-authenticated-info">',
							'<ul>',
								'<li>',
									'Logged in as <span id="dsq-fbc-name" uid="loggedinuser" type="FB.XFBML.Name" linked="true" useyou="false"></span>',
								'</li>',
								'<li class="logout">using Facebook Connect <a href="#" onclick="javascript:DisqusFbcParentController.logout();return false;">(Logout)</a></li>',
							'</ul>',
						'</div>',
					'</div>'
			]);
		}
		result = result.concat([
				'</div>', // dsq-auth
				'<div id="dsq-toolbar-items">',
				'</div>'
		]);
		result = result.concat([
					//
					//
					//
				((!Dsq.jsonData.forum.allow_anon_post && !Dsq.jsonData.request.is_authenticated) ?
					// Needs to be translated:
					('<p id="dsq-no-anon-msg">Required: Please log into <span class="logo-disqus">Disqus</span> ' +
					(Dsq.jsonData.context.use_fb_connect ? 'or connect with Facebook ' : '') +
					(Dsq.jsonData.context.use_twitter_signin ? 'or sign in with Twitter ' : '') +
					(Dsq.jsonData.context.use_openid ? 'or sign in using OpenID ' : '') +
					Dsq.Utils.interpolate('to comment on <strong>%(forum_name)s</strong>.</p>')) :
					''
				),
				'<div id="dsq-post-add"></div>',
				'<div style="margin:10px 0">',
				((Dsq.jsonData.forum.use_media) ?
						'<a href="#" id="dsq-media-link" onclick="Dsq.Post.showMenu(this, false, \'media\'); return false">' + Dsq.Strings.USE_MEDIA + ' <small>&#9660;</small></a>' :
						''),
				'</div>'
		]);
		return result.join('');
	};


	this.header = function() {

		var html = '\<h3 id="dsq-comments-count" class="dsq-h3-commentcount">\
	 <span id="dsq-num-posts">33</span> Comments\
	 &nbsp;\
	 <span class="dsq-item-feed">\
	 <a href="http://disqus.com/forums/blownmortgage/loan_modifications_on_your_own/latest.rss"><img src="http://media.disqus.com/images/embed/bullet-feed.png"></a>\
	 </span>\
	 </h3>\
	 <div id="dsq-options" style="margin:15px 0">\
	 <span class="dsq-item-sort">\
	 Sort by\
	 <select id="dsq-sort-select" onchange="Dsq.Thread.sortBy(this.value);">\
	 <option value="hot" selected="selected">Popular now</option>\
	 <option value="best" >Best Rating</option>\
	 <option value="newest" >Newest first</option>\
	 <option value="oldest" >Oldest first</option>\
	 </select>\
	 &nbsp;\
	 </span>\
	 <span class="dsq-item-cp"><a href="http://disqus.com/forums/blownmortgage/loan_modifications_on_your_own/">Community Page</a>&nbsp;&nbsp;&nbsp;</span>\
	 <span class="dsq-item-subscribe">\
	 <img src="http://media.disqus.com/images/embed/email.png" style="width:12px;height:12px;vertical-align:middle">\
	 <span id="dsq-subscribe">\
	 <a href="#" onclick="Dsq.Thread.subscribe(1); return false">Subscribe by email</a>\
	 </span>\
	 </span>\
	 </div>\
	 <div id="dsq-alerts">\
	 </div>\
		';

		
			html = Dsq.Templates.authPost() + html;
		

		
		if (Dsq.jsonData.request.is_moderator) { 
			html = ' \
			<div class="dsq-alert-message dsq-upgrade-message"> \
				<strong>Disqus upgrade available.</strong> Hi ' + Dsq.jsonData.request.display_username + ', this message is being displayed to you because you are a moderator of this site. <a href="#" onclick="Dsq.$(\'dsq-upgrade-message\').style.display=\'block\';this.style.display=\'none\';return false">Click here for details.</a> \
				<div style="display:none; margin-top:10px;" id="dsq-upgrade-message"> \
					A new theme is available with added features. <a href="http://disqus.com/comments/settings/' + Dsq.jsonData.forum.url + '/?p=customize">To change your theme, click here</a> and choose the theme Narcissus. \
					If you do not upgrade, you are missing out on features such as: real-time commenting, new sign-in integrations, and an upgrade interface. \
					<strong>This message will automatically go away in one week.</strong> \
				</div> \
			</div> \
			' + html; 
		}
		return html;
	};

	this.footer = function() {
		var html = Dsq.Templates.pagination();

		

		html += Dsq.Templates.reactions();

		
			html += Dsq.Templates.trackbacks();
		

		return html;
	};

	this.pagination = function() {
		var html = '';
		
		if (Dsq.$('dsq-pagination')) { Dsq.$('dsq-pagination').innerHTML = ''; }
		if (!Dsq.jsonData.thread.paginate) { return ''; }

		//
		// TODO: num_paginator still uses the template tag for pagination, 
		// 		while append_paginator does it all in JavaScript.
		//		This should all be in JavaScript.
		//

		if (Dsq.jsonData.thread.num_pages > 1 && Dsq.jsonData.request.page < Dsq.jsonData.thread.num_pages) {
			html = ' \<a class="dsq-paginate-append-text" href="#" onclick="Dsq.Thread.paginate(Dsq.jsonData.request.page + 1, this); return false">Show more comments...</a>\
	 <button class="dsq-button-small dsq-paginate-append-button" onclick="Dsq.Thread.paginate(Dsq.jsonData.request.page + 1, this);">Load more comments</button>\
			';
		}
		
		if (Dsq.$('dsq-pagination')) {
			Dsq.$('dsq-pagination').innerHTML = html;
			return '';
		} else {
			return '<div id="dsq-pagination" class="dsq-pagination">' + html + '</div>';
		}
	};

	this.trackbacks = function() {
		var html = '';

		if(typeof DsqLocal != 'undefined' && DsqLocal.trackback_url && DsqLocal.trackbacks) {
			var trackbacks = DsqLocal.trackbacks;
			var trackback_url = DsqLocal.trackback_url;
		} else {
			var trackbacks = [
			
			
			];
			var trackback_url = 'http://disqus.com/forums/blownmortgage/loan_modifications_on_your_own/trackback/';
		}

		html += '<div class="dsq-item-trackback">Trackback URL&nbsp;&nbsp;<input class="dsq-trackback-url" onclick="this.select()" readonly="true" value="' + trackback_url + '"></div>';

		if(trackbacks.length) {
			html += '<ul id="dsq-references">'
			for(var i = 0; i < trackbacks.length; i++) {
				var trackback = trackbacks[i];
				html += '<li><cite><a href="' + trackback.author_url + '" rel="nofollow">' + trackback.author_name + '</a></cite> \
						<p class="dsq-meta">' + trackback.date + '</p> \
						<p class="dsq-content">' + trackback.excerpt + '</p></li>';
			}
			html += '</ul>';
			html = '<h3 class="dsq-h3-trackbacks">Trackbacks</h3>' + html;
		}

		return html;
	}

	this.showRetweets = function(id, limit, element_id /* Optional */) {
		var source, html = '';

		for (var i = 0, reaction; reaction = Dsq.jsonData.reactions[i]; i++) {
			if (reaction.id === id) {
				source = reaction.retweets;
			}
		}

		if (source) {
			if (limit === 0) {
				limit = source.length;
			}

			for (var j = 0; j < limit; j++) {
				var rt = source[j];
				html += '<a href="' + rt.url + '">' + rt.author_name + '</a>'	+ ((j === (limit - 1)) ? '.' : ', ');
			}
		}

		if (element_id === undefined) {
			return html;
		}

		var element = document.getElementById(element_id);
		element.innerHTML = html;
		return element;
	};

	this.showMoreReactions = function(reactions, has_more, start, limit) {
		var link = document.getElementById('dsq-show-more-reactions');
		var container = link.parentNode;
		container.removeChild(link);

		for (var i = 0, reaction; reaction = reactions[i]; i++) {
			var el = Dsq.Templates.generateReactionHTML(reaction);
			if (el) {
				container.innerHTML += el;
			}
		}

		if (has_more) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = start;
			var l = limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			container.innerHTML += '<li id="dsq-show-more-reactions"><a href="#" onclick="' + handler + '">Show more reactions</a></li>';
		}
	};

	this.generateReactionHTML = function(reaction) {
		if (reaction.body === null || reaction.body == '') {
			return;
		}

		if (reaction.author_name === '') {
			reaction.author_name = '&nbsp;';
		}

		if (reaction.url === '') {
			reaction.url = reaction.get_service_url;
		}

		/* Reaction HTML begins */
		var item = '<li class="dsq-reaction" id="dsq-reaction-' + reaction.id + '">'
			+ '<div class="dsq-reaction-header">'
			+ '<div class="dsq-header-avatar">';

		if (reaction.author_url && reaction.author_url !== '') {
			item += '<a target="_blank" href="' + reaction.author_url +'">';
		} else {
			item += '<a target="_blank" href="#" onclick="return false;">';
		}

		if (reaction.avatar_url && reaction.avatar_url !== '') {
			item += '<img src="' + reaction.avatar_url + '"/>';
		} else {
			item += '<img src="' + Dsq.jsonData.media_url + '/images/noavatar32.png"/>';
		}

		var service_icon = (reaction.get_service_name == 'trackback' || reaction.get_service_name == 'pingback' ? 'rss' : reaction.get_service_name.replace(' ', ''));
		item += '<img class="dsq-service-icon" src="' + Dsq.jsonData.media_url + '/images/reactions/services/' + service_icon + '.png"/>'
			+ '</a></div>'
			+ '<cite><span>' + reaction.author_name + '</span></cite>'
			+ '<span class="dsq-header-meta"><a class="dsq-header-time">' + reaction.date_created + '</a></span>'
			+ '</div><div class="dsq-reaction-body">'
			+ '<div class="dsq-reaction-message">' + reaction.body + '</div>'
			+ '<div class="dsq-reaction-footer">From <a class="dsq-service-name" target="_blank" href="' + reaction.url + '">' + reaction.get_service_name + '</a> '
			+ 'via ' + (reaction.source == 'backtype' ? '<a href="http://backtype.com/">BackType</a>' : '<a href="' + reaction.source_url + '">UberVU</a>')
			+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator ? '&nbsp;&bull;&nbsp;<a class="dsq-hide-reaction" href="#" onclick="Dsq.Reaction.hide(' + reaction.id + '); return false;">Hide</a>' : '') + '</div></div>';

		if(reaction.retweets) {
			var num_retweets = reaction.retweets.length;
			if (num_retweets > 0) {
				item += '<div class="dsq-reaction-retweets">';
				if (num_retweets == 1) {
					item += 'One more retweet from <a href="' + reaction.retweets[0].url + '">'  + reaction.retweets[0].author_name + '</a>';
				} else {
					item += (num_retweets + ' more retweets from ');

					item += '<span id="dsq-reaction-retweets-' + reaction.id + '">';
					var n_tweets = (num_retweets > 15) ? 15 : num_retweets;
					item += Dsq.Templates.showRetweets(reaction.id, n_tweets);

					if (n_tweets != num_retweets) {
						item += '</span> <a onclick="Dsq.Templates.showRetweets(' + reaction.id + ', 0, \'dsq-reaction-retweets-' + reaction.id + '\');'
							+ 'this.parentNode.removeChild(this); return false;" href="#">Show all</a>';
					}
				}
				item += '</div>';
			}
		}

		item += '</li>'; /* Reaction HTML ends */
		return item;
	};

	this.reactions = function() {
		var html, reaction;

		if (Dsq.jsonData.reactions === undefined || Dsq.jsonData.reactions.length === 0) {
			return '';
		}

		html = '';
		for (var i = 0; reaction = Dsq.jsonData.reactions[i]; i++) {
			var item = Dsq.Templates.generateReactionHTML(reaction);
			if (item) {
				html += item;
			}
		}

		if (Dsq.jsonData.has_more_reactions) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = Dsq.jsonData.reactions_start;
			var l = Dsq.jsonData.reactions_limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			html += '<li id="dsq-show-more-reactions"><a href="#" onclick="' + handler + '">Show more reactions</a></li>';
		}

		return '<h3 class="dsq-h3-reactions">Reactions</h3><ul id="dsq-reactions" class="dsq-reactions">' + html + '</ul>';
	};
	
	this.missingPermissions = function() {
		return '';
	};

	//
	// Post
	//

	this.prependPost = function(post_id) {
		var html = '<div id="comment-' + post_id + '"></div>';
		return html;
	};

	this.appendPost = function(post_id) {
		var html = '<div id="dsq-comment-reply-' + post_id + '"></div>';
		return html;
	};

	this.postPrependHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];

		var _includeServices = function() {
			var userServices = Dsq.Post.getUserServices(null, post_id);
			var html = '';
			var hiddenThreshold = 3; // Define # of services to show before stuffing them in hidden div

			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == hiddenThreshold
					? '<li id="dsq-drop-hidden-' + post_id +'" class="dsq-drop-hidden"><ul>'
					: '')
				+ '<li class="dsq-drop-services"> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank"> \
						<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '">'
					+ userServices[i].name
					+ '</a> \
				</li>';
			}

			if(i >= hiddenThreshold) {
				html += '</ul></li> \
				<li id="dsq-drop-more-' + post_id + '" class="dsq-drop-more"><a href="#" onclick="Dsq.Post.dropProfileMore(this, '+ post_id + '); return false"><small>&#9660;</small></a></li> \
				';
			}
			return html;
		};

		return ' \
			<div class="dsq-header-avatar" id="dsq-header-avatar-' + post_id + '" onmouseover="Dsq.Post.dropProfile(' + post_id + ')"> \
				<a id="dsq-avatar-' + post_id + '" class="dsq-avatar" href="' + userData.url + '" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">'
			+ (Dsq.jsonData.forum.show_avatar
				? '<img src="' + Dsq.jsonData.users[_meta.user_key].avatar + '" alt="" />'
				: '')
			+ '</a>'
			+ '</div> \
		';
	};

	this.postAppendHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];

		return ''
			+ (_meta.author_is_moderator
				? '<img class="dsq-mod-star" src="http://media.disqus.com/images/bullet-star.png" title="Moderator" alt="" />'
				: '')
			+ '<span class="dsq-header-meta"> \
				<a id="dsq-time-' + post_id + '" class="dsq-header-time" href="#comment-' + post_id + '" title="Permalink">' + _meta.date + '</a> \
			</span>';
	};

	this.preBody = function(post_id) {
		return '';
	}

	this.postBody = function(post_id) {
		// TODO: Deprecate flagging conditional
		var _meta = Dsq.jsonData.posts[post_id];
		return ''
			+ (_meta.edited
				? '<p class="dsq-editedtxt">(Edited by a moderator)</p>'
				: '')
			;
	};

	this.postFooter = function(post_id) {
		// TODO: Use media should be conditional
		var _meta = Dsq.jsonData.posts[post_id];
		if(_meta.killed) { return ''; }

		return ' \
			<div class="dsq-comment-footer" id="dsq-comment-footer-' + post_id + '"> \
				<div id="dsq-points-' + post_id + '" class="dsq-likedtxt">'
				+ (_meta.points
					? _meta.points + Dsq.Utils.pluralize(_meta.points, ' person', ' people') + ' liked this comment.'
					: '')
				+ '</div>'
				+ '<ul class="dsq-comment-options dsq-list-style">'
				+ (_meta.votable
					? '<li class="dsq-list-first dsq-rate" id="dsq-rate-cont-' + post_id + '">'
					+ (!_meta.up_voted
						? '<a href="#" onclick="Dsq.Post.rate(this, ' + post_id + ', 1); return false;">Like</a>'
						: 'You liked this.') + '</li>'
					: '')
				+ '<li class="dsq-report' + (!_meta.votable ? ' dsq-list-first' : '') + '" id="dsq-post-report-' + post_id + '"><a href="#" class="dsq-post-report" onclick="Dsq.Post.report(' + post_id + ', false); return false;">Report</a></li> \
				</ul> \
				<ul class="dsq-list-style">'
				+ (_meta.can_reply
					? '<li class="dsq-list-first"><a href="#" id="dsq-reply-link-' + post_id +'" onclick="Dsq.Post.toggleReply(this, ' + post_id +'); return false;">Reply</a></li>'
					: '')
				+ (_meta.can_reply && !_meta.has_replies && _meta.from_request_user
					? '<li id="dsq-edit-el-' + post_id + '"><a id="dsq-edit-link-' + post_id + '" href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); return false;">Edit</a></li>'
					: '')
				+ '<li class="' + (!_meta.can_reply ? 'dsq-list-first' : '') + '" id="dsq-more-el-' + post_id + '"><a id="dsq-more-link-' + post_id + '" href="#" onclick="Dsq.Post.showMenu(this, ' + post_id + ', \'more\'); return false">More <small>&#9660;</small></a></li>'
				+ (Dsq.jsonData.forum.use_media
					? '<li id="dsq-media-el-' + post_id +'" style="display:none"><a id="dsq-media-link-' + post_id + '" href="#" onclick="Dsq.Post.showMenu(this, ' + post_id + ', \'media\'); return false">Use Media <small>&#9660;</small></a></li>'
					: '')
				+ '</ul>'
				+ '<div id="dsq-reply-bar-' + post_id + '" class="dsq-reply-bar" style="display:none"> \
						<div id="dsq-reply-bar-items-' + post_id + '" class="dsq-reply-bar-items"> \
						</div> \
						<div id="dsq-reply-bar-auth-' + post_id + '" class="dsq-reply-bar-auth"> \
							 \
								 \
								 	<a href="#" class="dsq-help dsq-reply-req-opt" title="You are commenting as a Guest. You may choose to log into an existing DISQUS Profile, your Facebook, Twitter or OpenID account to comment on Blown Mortgage" onclick="Dsq.Popup.helpBadges(); return false">Optional:</a> \
								 \
								<img class="dsq-login-icon" src="http://media.disqus.com/images/dsq-favicon-16x16.png" alt="" /> \
								<a id="dsq-reply-login-' + post_id + '" href="http://disqus.com/profile/login/?next=article:8542076" onclick="Dsq.Popup.login(); return false">Login</a> \
								 \
								&nbsp;or&nbsp; \
									<img src="http://media.disqus.com/images/twitter-signin-icon.png" alt="" /> \
									<a href="#" onclick="Dsq.Twitter.startTwitterConnect(); return false">Sign-in</a> \
								 \
								 \
							 \
						</div> \
					</div> \
					<div id="dsq-reply-' + post_id + '"></div> \
			</div> \
		';
	};

	//
	// Iframes
	//

	this._makeAttributes = function(attributes) {
		// Makes a tag attributes string out of an object.
		// Caller is responsible for making sure nothing needs to be escaped.
		var result = [];
		for (key in attributes) {
			result.push(' ' + key + '="' + attributes[key] + '"');
		}
		result = result.join('');
		return result;
	};

	this._frameGeneric = function(base_url, params, attributes) {
		if(typeof(disqus_callback_params) == 'undefined') {
			disqus_callback_params = '';
		}

		var default_params = {
			// TODO: These should be moved to Dsq.jsonData.
			'f'				: 'blownmortgage',
			't'				: 'loan_modifications_on_your_own',
			// Do we need encodeURIComponent here?
			'ifrs'			: encodeURIComponent(disqus_iframe_css),
			'to_redirect'	: encodeURIComponent(window.location),
			'cbp'			: disqus_callback_params,
			'ff'			: Dsq.Thread.ff,
			'fc'			: Dsq.Thread.fc,
			'ac'			: Dsq.Thread.ac,
			'default_text'	: disqus_default_text
		};

		base_url += '?' + (new Date()).getTime();
		// Add params to default_params.
		if(params) {
			for(var key in params) {
				if(params.hasOwnProperty(key)) {
					default_params[key] = encodeURIComponent(params[key]);
				}
			}
		}
		// Build querystring.
		for(var key in default_params) {
			if(default_params[key] && default_params.hasOwnProperty(key)) {
				base_url += '&' + key + '=' + default_params[key];
			}
		}

		return [
			'<iframe marginwidth="0" marginheight="0" hspace="0" vspace="0" frameborder="0"',
			(' allowtransparency="true" src="' + base_url + '"'),
			this._makeAttributes(attributes),
			'</iframe>'].join('');
	};

	this.frameLogin = function(opt_attributes) {
		var params = {};
		var base_url = 'http://disqus.com/embed/login.html';
		var attributes = opt_attributes || {};
		attributes['class'] = 'dsq-post-login';

		if(typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}
		return this._frameGeneric(base_url, params, attributes);
	};

	this.frameReply = function(post_id, extra_params, attributes) {
		// Returns the HTML for a reply iframe. Called by Dsq.Iframes.setReplyIframeToContainer
		var _meta = (typeof post_id != 'undefined') ? Dsq.jsonData.posts[post_id] : false;
		var base_url = Dsq.Urls.REPLY;
		var params = {
			'def_email'		: disqus_def_email,
			'def_name'		: disqus_def_name
		};
		if(extra_params) {
			for(var key in extra_params) {
				if(extra_params.hasOwnProperty(key)) {
					params[key] = extra_params[key];
				}
			}
		}
		if(_meta) {
			params['parent_post'] = post_id;
		}
		if(typeof disqus_per_page != 'undefined') {
			params['per_page'] = disqus_per_page;
		}
		if(typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}
		if(Dsq.jsonData.request.is_authenticated) {
			attributes['class'] += '-authenticated';
		}
		return this._frameGeneric(base_url, params, attributes);
	};

	this.frameEdit = function(post_id) {
		var _meta = (typeof post_id != 'undefined') ? Dsq.jsonData.posts[post_id] : false;
		var base_url = 'http://disqus.com/embed/edit.html';
		var params = {
			'p' : post_id
		};
		return this._frameGeneric(base_url, params, {'class': 'dsq-post-edit', 'name': 'dsq-edit_' + post_id + '-frame'});
	};

	//
	// Menus
	//

	this.menuMore = function(post_id) {
		// TODO: "Remove post" button should hide menu.
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		return ' \
			<li><a href="#comment-' + post_id + '" onclick="Dsq.Popup.permalink(' + post_id + ')">Link</a></li> \
			<li><a href="#" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">Profile</a></li>'
	+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator
		? '	<li class="dsq-menu-sep"></li>' + (_meta.email ? '<li class="dsq-admin-email">' + _meta.email + '</li>' : '')
		+ '	<li class="dsq-admin-ip">' + _meta.ip + '</li> \
			<li class="dsq-menu-sep"></li>'
		+ (Dsq.jsonData.request.moderator_can_edit
			? ' <li class="dsq-admin-edit"><a href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); return false;">Edit Comment</a></li>'
			: '')
		+ ' <li class="dsq-remove"><a href="#" onclick="Dsq.Post.removePost(' + post_id + ', 1); return false;">Remove Comment</a></li> \
			<li class="dsq-report-spam"><a href="#" onclick="Dsq.Post.reportSpam(' + post_id + '); return false;">Mark Spam</a></li> \
			<li class="dsq-block-user"><a href="#" onclick="Dsq.Popup.blacklist(' + post_id + '); return false">Block User</a></li>'
		: '');
	};

	this.menuMedia = function(post_id) {
		return ' \
			<li><a href="#" onclick="Dsq.Post.toggleMediaReply(this, ' + post_id + ', \'seesmic\'); return false;">Record video</a></li> \
		';
	};

	this.dropProfile = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];

		var _includeServices = function() {
			var userServices = Dsq.Post.getUserServices(null, post_id);
			var html = '';
			var hiddenThreshold = 3; // Define # of services to show before stuffing them in hidden div

			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == hiddenThreshold
					? '<li id="dsq-drop-hidden-' + post_id +'" class="dsq-drop-hidden"><ul>'
					: '')
				+ '<li class="dsq-drop-services"> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank"> \
						<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '">'
					+ userServices[i].name
					+ '</a> \
				</li>';
			}

			if(i >= hiddenThreshold) {
				html += '</ul></li> \
				<li id="dsq-drop-more-' + post_id + '" class="dsq-drop-more"><a href="#" onclick="Dsq.Post.dropProfileMore(this, '+ post_id + '); return false"><small>&#9660;</small></a></li> \
				';
			}
			return html;
		};


		var menu = '<li class="dsq-drop-showlnk"><a href="#" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">Expand &#8663;</a></li>';
		var pointsMessage = '';
		if (userData['registered']) {
			pointsMessage = 'with ' + userData['points'] + ' points (more points are better).';
		}

		if (userData['is_remote']) {
			var domain = userData['remote_domain_name'];
			menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' is a ' + domain + ' user ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
			menu += '<span class="dsq-badge-' + domain.toLowerCase() + '">' + domain + '</span></li>';
		} else if (userData['registered']) {
			if (userData['verified']) {
				menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has a verified commenter profile ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
				menu += '<span class="dsq-badge-verified">Verified</span></li>';
			} else {
				menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has a registered, but unverified, commenter profile ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
				menu += '<span class="dsq-badge-registered">Registered</span></li>';
			}
		} else {
			menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has not claimed this commenter profile." onclick="Dsq.Popup.helpBadges()"><span class="dsq-badge-guest">Guest</span></li>';
		}

		menu += _includeServices();
		return menu;
	};

	//
	// Popups
	//

	this._popupGeneric = function(content) {
		return ' \
		<div class="dsq-popup-content"> \
			<div class="dsq-popup-top"></div> \
			<div class="dsq-popup-body" class="clearfix"> \
				<div class="dsq-popup-body-padding"> \
					<div class="dsq-popup-header"> \
						<a class="dsq-close-link" href="#" onclick="Dsq.Popup._closePopup(null, true); return false"><img src="http://media.disqus.com/images/modal-close.png" alt="" /></a>'
						+ content['header']
					+ '</div>'
					+ content['body']
					+ '<div class="powered-by"><a href="http://disqus.com/comments/">Powered by <img src="http://media.disqus.com/images/embed/disqus-logo.png" alt="Disqus Comments" style="margin-bottom:-5px" /></a></div> \
				</div> <!-- padding --> \
			</div> <!-- body --> \
			<div class="dsq-popup-bottom"></div> \
		</div> \
		';
	};

	this.popupProfile = function(user_key) {
		var userServices = Dsq.Post.getUserServices(user_key, null);
		var userData = Dsq.jsonData['users'][user_key];
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		var _includeServices = function() {
			var html = '';
			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == 0
					? '<h4>Connections</h4><ul>'
					: '')
				+ '<li> \
					<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '" title="' + userServices[i].name.toLowerCase() + '" /> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank">'
					+ userServices[i].name
					+ '</a> \
				</li>'
				+ (i+1 == userServices.length ? '</ul>' : '');
			}
			return html;
		};

		headerHtml = ' \
			<table> \
				<tr> \
					<td> \
						<a class="dsq-profile-userurl" href="' + userData.url + '"><img class="dsq-popup-profile-avatar" src="' + userData['avatar'] + '" alt="" /></a> \
					</td> \
					<td> \
						<div class="dsq-popup-profile-user"> \
							<h3>' + userData['display_name'] + '</h3> \
							<div class="dsq-popup-profile-user-stats" id="dsq-popup-profile-user-stats-' + user_key + '">Loading...</div> \
						</div> \
					</td> \
				</tr> \
			</table> \
		';

		bodyHtml = ' \
			<div class="dsq-popup-profile-state"> \
				This is a&nbsp;<span class="'
					+ (userData['registered']
						? (userData['verified']
							? ' dsq-badge-verified'
							: (userData['is_remote']
								? ' dsq-badge-' + userData['remote_domain_name'].toLowerCase()
								: ' dsq-badge-registered')
							)
							: ' dsq-badge-guest') + '">'
			+ (userData['registered']
				? (userData['verified']
					? 'Verified'
					: (userData['is_remote']
						 ? userData['remote_domain_name']
						 : 'Registered')
					)
				: 'Guest')
			+ '</span>&nbsp;commenter profile.'
			+ '&nbsp;<a class="dsq-profile-userurl" href="' + userData.url + '"><strong>View more comments </strong></a>'
			+ (!userData['points']
				? '<p class="dsq-popup-notice">If this is you, <a href="http://disqus.com/profile" target="_blank">claim it now</a> to manage your comments.</p>'
				: '')
			+ ((userData['registered'] && !userData['verified'] && (Dsq.jsonData.request.username && (Dsq.jsonData.request.username == userData['username'])) && !userData['is_remote'])
				? '<p class="dsq-popup-notice"><strong>Alert</strong>: You have not verified this account. <a href="http://disqus.com/verify">Verify it now.</a></p>'
				: '')
			+ '</div> \
			<div id="dsq-profile-status-' + user_key + '" class="dsq-popup-profile-status" style="display:none"></div> \
			<div class="dsq-popup-profile-snapshot"> \
				<table> \
					<tr> \
						<td> \
							<div id="dsq-popup-profile-active-sites-wrapper-' + user_key + '"> \
								<h4>Most active sites</h4> \
								<ul id="dsq-popup-profile-active-sites-' + user_key + '"> \
									<li>Loading...</li> \
								</ul> \
							</div> \
						</td> \
						<td>'
							+ _includeServices()
							+ '<div id="dsq-popup-profile-moderated-wrapper-' + user_key + '"> \
								<h4>Moderator of</h4> \
								<ul id="dsq-popup-profile-moderated-' + user_key + '"> \
									<li>Loading...</li> \
								</ul> \
							</div> \
						</td> \
					</tr> \
				</table> \
			</div> \
			';

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.popupReblog = function() {
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		headerHtml = ' \
			<cite><span>Reblog this comment</span></cite> \
		';

		bodyHtml = ' \
			<div id="dsq-reblog-form" class="dsq-reblog-form"> \
			</div> \
		';

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.popupModal = function(title, message) {
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		headerHtml = ' \
			<h3>' + title + '</h3> \
		';

		bodyHtml = message;

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.alertContent = function(name, post_id) {
		var alert = {
			'post_not_approved': {
				'title': 'Comment awaiting approval by a moderator',
				'message': 'Thanks for posting. Your comment must be approved by a moderator before appearing here.'
			},
			'post_has_profile': {
				'title': 'Use your existing commenter profile',
				'message': 'You have just posted your commment as a <span class="dsq-badge dsq-badge-guest">Guest</span>, but you may already have a <span class="dsq-badge dsq-badge-registered">Registered</span> commenter profile.<br /><br /><a href="http://disqus.com/claim">Log in and claim this comment!</a>'
			}
		};
		return alert[name] || false;
	};

	//
	// Actions
	//

	this.voted = function(post_id, points, vote) {
		// Update number of points
		Dsq.$('dsq-points-' + post_id).innerHTML = points + Dsq.Utils.pluralize(points, ' person', ' people') + ' liked this comment.';

		// Update link text
		if(vote) {
			Dsq.$('dsq-rate-cont-' + post_id).innerHTML = 'You liked this.';
		}
	};

	this.subscribed = function(status) {
		var title, message;

		if(status) {
			title = 'Subscribed!';
			message = 'You have subscribed to this comment thread. New comments will be sent directly to your email inbox, where you may read and respond by email.';
			Dsq.$('dsq-subscribe').innerHTML = ' \
				<a href="#" onclick="Dsq.Thread.subscribe(0); return false">Unsubscribe</a> \
			';
		} else {
			title = 'Unsubscribed';
			message = 'You have unsubscribed to this comment thread. New comments will no longer be sent to your email inbox.';
			Dsq.$('dsq-subscribe').innerHTML = ' \
				<a href="#" onclick="Dsq.Thread.subscribe(1); return false">Subscribe by email</a> \
			';
		}

		Dsq.Popup.popModal(message, title);

	};
	
	this.highlighted = function() {
		Dsq.Popup.popModal('This comment has been highlighted.', 'Highlighted comment');
	};

	//
	// Media
	//

	this.mediaSeesmic = function(id, thumb) {
		return ' \
			<div id="dsq-seesmic-' + id + '_preview" class="dsq-seesmic-preview"><a href="http://www.seesmic.com/video/' + id + '" target="_blank" class="see_link">&nbsp;</a> \
				<div style="display:block;width:160px; height:120px; border:none; background-image:url(http://t.seesmic.com/thumbnail/' + thumb + ')"> \
					<div id="dsq-seesmic-' + id + '_hide" class="seePlayOverlay" style="display:none;"><img onclick="see_play_video(\'' + id + '\',false)" src="http://media.disqus.com/images/seesmic/stopOverlay.png" width="50" height="50" style="cursor:pointer; cursor:hand; padding-top: 30px; padding-left: 50px" alt="" /></div> \
					<div id="dsq-seesmic-' + id + '_show" class="seePlayOverlay"><img onclick="see_play_video(\'' + id + '\',true)" src="http://media.disqus.com/images/seesmic/playOverlay.png" width="50" height="50" style="cursor:pointer; cursor:hand; border:none; padding-top: 30px; padding-left: 50px" alt="" /></div> \
				</div> \
			</div> \
			<div id="' + id + '_content" style="display:block; width:100%; padding-top:5px"></div> \
		';
	};

	//
	// Callbacks
	//

	this.postComment_onSuccess = function(parent_post_id) {
		// Increment post count
		var num_posts = Dsq.$('dsq-num-posts');
		var total_posts = Dsq.$('dsq-total-posts');
		
		if (num_posts) { 
			num_posts.innerHTML = parseInt(num_posts.innerHTML) + 1;
		}
		if (total_posts) { 
			total_posts.innerHTML = parseInt(total_posts.innerHTML) + 1;
		}
	};
};
// Dsq.Templates


/**
 * Dsq.Post
 */
Dsq.Post = new function() {
	this.openedMenu = {};
	this.menuEventListener = null;
	this.stateReplyToggled = {};
	this.stateEditToggled = {};
	this.stateRecordLink = {};

	/**
	 * Inserts a new post into the document.
	 *
	 * @param after_id {Number}	Insert a post before specified id.  If after_id
	 *							evaluates to false, then post in the front.  If
	 *							after_id is -1, post at the end.
	 */
	this.insert = function(after_id, id, message, author) {
		// Skeleton template from thread_posts.html.
		var skeleton = ' \
			<li id="dsq-comment-%(id)s"> \
				<div id="dsq-comment-header-%(id)s" class="dsq-comment-header"> \
					<cite id="dsq-cite-%(id)s" class="dsq-comment-cite"> \
						<a id="dsq-author-user-%(id)s" href="%(author_url)s" target="_blank" rel="nofollow">%(author_name)s</a> \
					</cite> \
				</div> \
				<div id="dsq-comment-body-%(id)s" class="dsq-comment-body"> \
					<div id="dsq-comment-message-%(id)s" class="dsq-comment-message">%(message)s</div> \
				</div> \
			</li> \
		';
		var _meta = Dsq.jsonData.posts[id];
		var _user_meta = Dsq.jsonData.users[_meta.user_key];
		var markup = Dsq.Utils.interpolate(skeleton, {
			id: id,
			message: message,
			author_url: _user_meta.blog,
			author_name: _user_meta.display_name
		});
		var div = document.createElement('div');
		markup = markup.replace(Dsq.COMMENTS_RE, Dsq.CommentsHandler);
		div.innerHTML = markup;

		if (after_id === -1) {
			Dsq.$('dsq-comments').appendChild(div);
		} else if (!after_id) {
			Dsq.$('dsq-comments').insertBefore(div, Dsq.$('dsq-comments').firstChild);
		} else if (Dsq.$('dsq-comment-' + after_id)) {
			// Get next node after "after_id", so we can insert before it.
			// If "after_id" is the last comment, the target node is the
			// last node.
			
			// var append_post_id = Dsq.Templates.appendPost(after_id).replace('<div id="','').replace('"></div>', '');
			var append_post_id = 'dsq-append-post-' + after_id;
			var node = Dsq.$(append_post_id);
			while (node = node.nextSibling) {
				if (!node || node.nodeType == 1) { // 1 == Node.ELEMENT_NODE
					break;
				}
			}
			if (!node) {
				node = Dsq.$(append_post_id);
			}
			node.parentNode.insertBefore(div, node);
		}
	};

	this.incrementPostCount = function() {
		
		var num_posts = Dsq.$('dsq-num-posts');
		var total_posts = Dsq.$('dsq-total-posts');

		if (num_posts) {
			num_posts.innerHTML = parseInt(num_posts.innerHTML, 10) + 1;
		}
		if (total_posts) {
			total_posts.innerHTML = parseInt(total_posts.innerHTML, 10) + 1;
		}
	}
	
	this.outlineComment = function(post_id) {
		Dsq.$('dsq-comment-' + post_id).className += ' dsq-comment-outline';
		setTimeout("(function () { Dsq.Post.clearOutlineComment(" + post_id + ") })()", 3000);
	};
	
	this.clearOutlineComment = function(post_id) {
		Dsq.$('dsq-comment-' + post_id).className = Dsq.$('dsq-comment-' + post_id).className.replace('dsq-comment-outline', '');
	};

	this.showMenu = function(el, id, name) {
		var anchorPos = Dsq.Utils.findPos(el);
		var menu = document.createElement('ul');

		if(this.openedMenu) {
			if(this.openedMenu.linkClicked) {
				this.openedMenu.linkClicked = false;
				return;
			}
		}

		switch(name) {
			case 'more':
				menu.innerHTML = Dsq.Templates.menuMore(id);
				break;
			case 'media':
				menu.innerHTML = Dsq.Templates.menuMedia(id);
				break;
			default:
				break;
		}

		// Add menu to document body
		menu.id = 'dsq-menu-' + id;
		menu.className = 'dsq-menu';
		Dsq.$b.appendChild(menu);

		// Position and show
		anchorPos[1] += 15;
		menu.style.left = anchorPos[0] + 'px';
		menu.style.top = anchorPos[1] + 'px';
		menu.style.display = 'block';

		// Set global reference
		this.openedMenu = {
			'el' : menu,
			'id' : id,
			'name' : name,
			'linkClicked' : false
		};

		// Set listener
		this.menuEventListener = Dsq.Utils.addEventListener(document, 'mouseup', this._hideMenu);
	};

	this._hideMenu = function(e) {
		var el = e.target || e.srcElement;
		var openedMenu = Dsq.Post.openedMenu.el;
		var id = Dsq.Post.openedMenu.id;

		if(!id) {
			var link = 'dsq-' + Dsq.Post.openedMenu.name + '-link';
		} else {
			var link = 'dsq-' + Dsq.Post.openedMenu.name + '-link-' + id;
		}

		if(!openedMenu) {
			return;
		}

		if(!Dsq.Popup.isClicked(e, openedMenu.id)) {
			openedMenu.style.display = 'none';
			Dsq.Utils.removeEventListener(Dsq.Post.menuEventListener);
			Dsq.Utils.deleteNode(openedMenu);

		} else {
			// Hide the menu if a link was clicked inside the menu.  We can't
			// completely remove the menu until the onclick event on the link
			// fires, but the menuEventListener will prevent multiple menus
			// from polluting the DOM.
			if(el && typeof el.href != 'undefined') {
				openedMenu.style.display = 'none';
				Dsq.Post.openedMenu.el = null;
			}
		}

		if(Dsq.Popup.isClicked(e, link)) {
 			Dsq.Post.openedMenu.linkClicked = true;
		}
	};


	this.getUserServices = function(user_key, id) {
		if(!user_key && id) {
			var _meta = Dsq.jsonData.posts[id];
			user_key = _meta.user_key;
		}
		var userData = Dsq.jsonData['users'][user_key];
		var userServices = [];

		// Keep a full list of supported services. This is the order they will display in the drop-profile.
		// Each service must have a corresponding case in _buildServiceUrl()
		var supportedServices = ['blog', 'twitter', 'facebook', 'tumblr'];

		function _buildServiceUrl(serviceName) {
			var data = userData[serviceName];
			var services = {
				blog:		function(d) { return d; },
				twitter:	function(d) { return d; },
				facebook:	function(d) { return d; },
				tumblr:		function(d) { return 'http://' + d + '.tumblr.com'; }
			};
			return services[serviceName](data);
		}

		for(var i = 0; i < supportedServices.length; i++) {
			if(userData[supportedServices[i]]) {
				var serviceUrl = _buildServiceUrl(supportedServices[i]);
				userServices.push({'name' : supportedServices[i], 'url' : serviceUrl});
			}
		}
		return userServices;
	}

	this.dropProfile = function(id) {
		var dp = Dsq.$('dsq-drop-profile-' + id);

		// IE6 needs JS to display/hide. All other browsers use CSS.
		if(dp) {
			if(Dsq.Utils.ie6) dp.style.display = (dp.style.display == 'inline') ? 'none' : 'inline';
			return false;
		} else {
			dp = document.createElement('ul');
		}

		dp.id = 'dsq-drop-profile-' + id;
		dp.className = 'dsq-drop-profile';

		if(Dsq.Utils.ie6) { dp.style.display = 'inline'; }

		var container = Dsq.$('dsq-header-avatar-' + id);
		dp.innerHTML = Dsq.Templates.dropProfile(id);
		container.appendChild(dp);
	};

	this.dropProfileMore = function(el, id) {
		var hiddenItems = Dsq.$('dsq-drop-hidden-' + id);

		hiddenItems.style.display = 'inline';
		el.parentNode.style.display = 'none';
	};

	this._updateReplyLinks = function(el, id) {
		// Update "reply / cancel" links based on state.
		var displayDict = {};

		if(id) {
			if(this.stateReplyToggled[id]) {
				el.innerHTML = 'Cancel';
				displayDict['media'] = 'inline';
				displayDict['edit'] = 'none';
			} else {
				el.innerHTML = 'Reply';
				displayDict['media'] = 'none';
				displayDict['edit'] = 'inline';
			}
		}

		for(var key in displayDict) {
			if(displayDict.hasOwnProperty(key)) {
				var	linkEl = Dsq.$('dsq-' + key + '-el-' + id),
					spacer = Dsq.$('dsq-' + key + '-spacer-' + id);

				if(linkEl) {
					linkEl.style.display = displayDict[key];
					if(spacer) spacer.style.display = displayDict[key];
				}
			}
		}
	};

	this._updateMediaLinks = function(el, id) {
		// Update "use media / cancel" links based on state.
		var appendId = (id) ? ('-' + id) : '';
		var link = Dsq.$('dsq-media-link' + appendId);

		if(this.stateRecordLink[id]) {
			link.innerHTML = 'Cancel Media';
			link.onclick = function() { Dsq.Post.toggleMediaReply(link, id); return false; };
		} else {
			link.innerHTML = 'Use Media <small>&#9660;</small>';
			link.onclick = function() { Dsq.Post.showMenu(link, id, 'media'); return false; };
		}
	};

	this.toggleReply = function(el, id) {
		// Create reply IFrame
		if (window.disqus_use_postmessage) {
			if (!this.stateReplyToggled[id]) {
				Dsq.$('dsq-reply-' + id).style.display = 'block';
				Dsq.$('dsq-reply-bar-' + id).style.display = 'block';
				// Create IFrame if it doesn't exist.
				if (!Dsq.frames['reply_' + id]) {
					var _meta = Dsq.jsonData.posts[id];
					Dsq.frames['reply_' + id] = new Dsq.ReplyFrame(Dsq.$('dsq-reply-frame-' + id), id);
					Dsq.frames['reply_' + id].init();
					Dsq.frames['reply_' + id].setState(id, _meta.depth);
				}
			} else {
				Dsq.$('dsq-reply-' + id).style.display = 'none';
				Dsq.$('dsq-reply-bar-' + id).style.display = 'none';
			}
		} else {
			// DEPRECATED
			if(!this.stateReplyToggled[id]) {
				// Reply toolbar
				Dsq.$('dsq-reply-bar-' + id).style.display = 'block';
				Dsq.Iframes.showReplyIframeInContainerIfAllowed(Dsq.$('dsq-reply-' + id), id);
			} else {
				Dsq.$('dsq-reply-bar-' + id).style.display = 'none';
				Dsq.Iframes.hideAllInContainer(Dsq.$('dsq-reply-' + id));
				if(this.stateRecordLink[id]) {
					// HACK: Cancel media before canceling self.
					this.toggleMediaReply(Dsq.$('dsq-media-link-' + id), id);
				}
			}
		}

		this.stateReplyToggled[id] = !this.stateReplyToggled[id];
		this._updateReplyLinks(el, id);

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE('dsq-reply-' + id); }

		Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_TOGGLED, {
			postId: id,
			opened: this.stateReplyToggled[id]
		});
	};

	this.toggleMediaReply = function(el, id, xtype) {
		id = id || 0;
		if(id) {
			var container = Dsq.$('dsq-reply-' + id);
		} else {
			var container = Dsq.$('dsq-post-add');
		}

		if(!this.stateRecordLink[id]) {
			Dsq.Iframes.showReplyIframeInContainer(container, id, {xtype:xtype}, 'dsq-post-video');
		} else {
			Dsq.Iframes.showReplyIframeInContainer(container, id);
		}
		this.stateRecordLink[id] = !this.stateRecordLink[id];
		this._updateMediaLinks(el, id);

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE(); }
	};

	this.edit = function(el, id) {
		Dsq.$('dsq-comment-message-' + id).innerHTML = Dsq.Templates.frameEdit(id);
		el.parentNode.style.display = 'none';
		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE('dsq-comment-message-' + id); }
	};

    this.rate = function(el, id, vote) {
		if(Dsq.jsonData.request.is_authenticated || Dsq.jsonData.forum.allow_anon_votes) {
			if(vote == 1) {
                Dsq.$('dsq-rate-cont-' + id).innerHTML = '<img src="http://media.disqus.com/images/loading-small.gif">';
            }

            Dsq.Utils.execScript('http://disqus.com/forums/blownmortgage/vote.js'
                + '?post_id='    + id
                + '&vote='        + vote);

		} else {
			Dsq.Popup.login(Dsq.Strings.TO_RATE_PLEASE_LOG_IN);
		}
    };

	this.report = function(id, confirmed) {
		if(confirmed) {
			Dsq.Utils.postToUrl('http://disqus.com/forums/blownmortgage/loan_modifications_on_your_own/post_report/', {'post_id': id});
			Dsq.Popup.popModal('Thank you. This comment has been flagged for moderator attention.', 'Successfully flagged');
			Dsq.Utils.deleteNode(Dsq.$('dsq-post-report-' + id));
		} else {
			var title = Dsq.Strings.FLAG_INAPPROPRIATE_COMMENT;
			var message = Dsq.Strings.ARE_YOU_SURE_YOU_WOULD_LIKE_TO_REPORT_THIS_COMMENT_TO_A_MODERATOR + '? \
			<br /><br /> \
			<button onclick="Dsq.Popup._closePopup(null, true)"><strong>' + Dsq.Strings.NO + '</strong>, ' + Dsq.Strings.NEVER_MIND + '</button>&nbsp;&nbsp;&nbsp;<button onclick="Dsq.Post.report(' + id + ', true);"><strong>' + Dsq.Strings.YES + '</strong>, ' + Dsq.Strings.FLAG_INAPPROPRIATE_COMMENT + '</button><br /><br />'
			+ Dsq.Strings.THIS_WILL_FLAG_COMMENTS_FOR_MODERATORS_TO_TAKE_ACTION + '. \
			';

			Dsq.Popup.popModal(message, title, id);
		}
	};



	this.showAlert = function(id, msg) {
		var msgEl = Dsq.$('dsq-comment-message-' + id);
		var alert = '<div class="dsq-comment-alert">' + msg + '</div>';

		msgEl.innerHTML = alert + msgEl.innerHTML;
	};

};
// Dsq.Post


/**
 * Dsq.Thread
 */
Dsq.Thread = new function() {
	this.fc = null;
	this.ff = null;
	this.ac = null;

	
	this.adminIsOn = false;

	
	
	

	this.hlComment = null;
	this.hlCommentClass = null;

	this.getNextComment = function(el) {
		var start_id = el.id;
		while(el = el.nextSibling) {
			if(el.id && el.id.indexOf('dsq-comment-') != -1 && el.id != start_id) {
				return el;
			}
		}
		return null;
	};

	this.getActiveCommentId = function() {
		if (document.URL.indexOf('#comment-') >= 0) {
			var anchor = document.URL.slice(document.URL.indexOf('#') + 1);
			return anchor.replace('comment-', '');
		}
		return null;
	};

	this.highlightAnchor = function() {
		var i = this.getActiveCommentId();
		if (i == null) return false;
		var id = 'dsq-comment-' + i;
		var hash = window.location.hash;

		// Toggle the hash incase the comment isn't available when the page loads
		// for WebKit-based browsers.
		if (Dsq.Utils.webkit) {
			window.location.hash = '';
			window.location.hash = hash;
		}

		this.hlComment = Dsq.$(id);
		// Adding this conditional guard pending #289
		if (!this.hlComment) {
			return;
		}
		this.hlCommentClass = this.hlComment.className;
		this.hlComment.className += ' dsq-hl-anchor';

		setTimeout("Dsq.Thread.highlightClear()", 3000);
	};

	this.highlightClear = function() {
		if (!this.hlComment) {
			return;
		}
		this.hlComment.className = this.hlCommentClass;
	};

	this.login = function(toggle) {
		// toggle id is #dsq-reply-login-[id]
		var postId;
		if(toggle.id.indexOf('dsq-reply-login') != -1) {
			postId = toggle.id.slice(16);
			var container = Dsq.$('dsq-reply-' + postId);
		} else {
			var container = Dsq.$('dsq-post-add');
		}

		if(toggle) {
			if(toggle.className == 'dsq-login-active') {
				Dsq.Iframes.showReplyIframeInContainerIfAllowed(container, postId);
				toggle.className = '';
			} else {
				Dsq.Iframes.showLoginIframeInContainer(container, postId);
				toggle.className = 'dsq-login-active';
			}
		} else {
			Dsq.Iframes.showLoginIframeInContainer(container, postId);
		}

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE(); }
	};


	this.paginate = function(page, el_clicked, per_page) {
		// Use extra_params to pass any override parameters that we need to persist.
		var extra_params = '';

		// "Per page" can either be overriden by providing it as an argument
		// (per-call) or setting the disqus_per_page override variable (global).
		if(typeof per_page == 'undefined') {
			per_page = null;
		}
		if(typeof disqus_per_page != 'undefined' && per_page === null) {
			per_page = disqus_per_page;
		}

		if(typeof disqus_sort != 'undefined') {
			extra_params += '&sort=' + disqus_sort;
		}
		if(per_page !== null) {
			extra_params += '&per_page=' + per_page;
		}

		Dsq.$('dsq-pagination').innerHTML += '<img src="http://media.disqus.com/images/loading-small.gif">';
		
		if(el_clicked) {
			el_clicked.style.display = 'none';
		}
		
		Dsq.Utils.execScript('http://disqus.com/forums/blownmortgage/thread.js'
			+ '?slug='	+ 'loan_modifications_on_your_own'
			+ '&p='		+ page
			+ extra_params);
	};

	this.sortBy = function(sort) {
		var disqus_script = document.createElement('script');
		var disqus_date = new Date();

		if (location.hash != '') {
			location.hash = '#disqus_thread';
		}

		if(typeof(disqus_url) == 'undefined') {
			disqus_url = disqus_href;
		}
		disqus_script.type = 'text/javascript';
		disqus_script.src = 'http://disqus.com/forums/blownmortgage/thread.js'
			+ '?slug='	+ 'loan_modifications_on_your_own'
			+ '&sort='	+ sort
			+ '&title='
			+ '&'		+ disqus_date.getTime();

		Dsq.$('dsq-comments').innerHTML = '<img src="http://media.disqus.com/images/loading.gif">';
		Dsq.container.appendChild(disqus_script);
	};

	this.subscribe = function(status, email) {
		// `status` is an int -- 1 to subscribe, 0 to unsubscribe
		if(Dsq.jsonData.request.is_authenticated || email) {
			// If authenticated user OR anonymous email provided

			if(email) {
				Dsq.Popup._closePopup(null, true);
			}

			Dsq.Utils.execScript('http://disqus.com/forums/blownmortgage/subscribe.js'
				+'?status=' 	+ status
				+ '&slug='		+ 'loan_modifications_on_your_own'
				+ '&email=' 	+ encodeURIComponent(email));

		} else if(!email) {
			// If anonymous user and no email has been provided yet, prompt for email

			var title = 'Subscribe to this comment thread';
			var message = ' \
				New comments will be sent directly to your email inbox! \
				<div class="dsq-subscribe-submit"> \
					<p><strong>Enter your email address below.</strong></p> \
					<input type="text" id="dsq-subscribe-email"> \
					<button onclick="Dsq.Thread.subscribe(1, Dsq.$(\'dsq-subscribe-email\').value)">Subscribe</button> \
				</div> \
			';

			Dsq.Popup.popModal(message, title);
		}
	};

	this.showSettings = function() {
		if (!Dsq.jsonData.request.is_moderator) {
			return;
		}

		/* The form has to be re-designed when more options will come out. */
		var html = 'Automatically close comments after <input size="3" id="dsq-thread-days-alive" value="' + Dsq.jsonData.thread.days_alive + '" type="text" /> days. Existing comments will still be displayed.<br /><br />(Using 0 days will disable this feature)<br /><br />'
								 + '<button onclick="Dsq.Thread.updateDaysAlive();" class="dsq-button-small"><span>Save</span></button>'
								 + '<span id="dsq-thread-settings-status" class="dsq-options-status"></span>';
		Dsq.Popup.popModal(html, 'Settings');
	};

	this.updateDaysAlive = function() {
		var days = Dsq.$('dsq-thread-days-alive').value;
		var status = Dsq.$('dsq-thread-settings-status');
		Dsq.Utils.postToUrl('http://disqus.com/forums/blownmortgage/update_days_alive.js', {days:days,thread:Dsq.jsonData.thread.id});
		status.innerHTML = 'Saved!';
		window.setTimeout(function() { status.innerHTML = ''; }, 1000);
	};
};
// Dsq.Thread

Dsq.Events = function() {
	var obj = {};

	// Private
	var handlers = {};
	var getHandlers = function(event) {
		if (handlers[event] === undefined) {
			handlers[event] = [];
		}
		return handlers[event];
	};

	// Public
	// Value keys : postId, node, xtype
	obj.REPLY_IFRAME_CREATED = 1;
	// Value keys : postId, opened
	obj.REPLY_IFRAME_TOGGLED = 2;
	obj.fire = function(event, opt_value) {
		if (!event) {
			throw new Error('Unknown event');
		}
		var value = opt_value || {};
		for (var i=0; i<getHandlers(event).length; i++) {
			getHandlers(event)[i](value);
		}
	};
	obj.addHandler = function(event, callback) {
		getHandlers(event).push(callback);
	};

	return obj;
}();

/**
 * Dsq.Realtime
 */
Dsq.Realtime = new function() {
	var initialized = false;
	var interval = null;
	var last_checked = Dsq.jsonData.request.timestamp;
	var new_posts = [];
	var ongoing_request = false;
	var prev_script = null;

	function updateNewPostCount() {
		Dsq.$('dsq-realtime-alert').style.display = new_posts.length ? 'block' : 'none';

		Dsq.$('dsq-realtime-queued').innerHTML = new_posts.length
		+ ' new '
		+ Dsq.Utils.pluralize(new_posts.length, 'comment', 'comments')
		+ Dsq.Utils.pluralize(new_posts.length, ' was', ' were')
		+ ' just posted.';

		Dsq.$('dsq-realtime-show').innerHTML = '(' + Dsq.Strings.SHOW + ')';
	}

	function insertNewPosts() {
		var post_id = null;
		var after_id = Dsq.$('dsq-sort-select').value === 'oldest' ? -1 : null;

		for (var i=0; i<new_posts.length; i++) {
			post_id = new_posts[i];
			Dsq.Post.insert(after_id, post_id, Dsq.jsonData.posts[post_id].message);
			Dsq.Post.incrementPostCount();
			Dsq.Post.outlineComment(post_id);
		}
		new_posts = [];
	}

	this.enableInterval = function() {
		interval = setInterval(Dsq.Realtime.check, Dsq.jsonData.context.realtime_speed);
		Dsq.$('dsq-realtime-status').innerHTML = Dsq.Strings.ENABLED;
		Dsq.$('dsq-realtime-toggle').innerHTML = '(' + Dsq.Strings.PAUSE + ')';
	}

	this.disableInterval = function() {
		if (interval) {
			clearInterval(interval);
			interval = null;
		}
		Dsq.$('dsq-realtime-status').innerHTML = Dsq.Strings.PAUSED;
		Dsq.$('dsq-realtime-toggle').innerHTML = '(' + Dsq.Strings.RESUME + ')';
	}

	this.toggleInterval = function() {
		if (!interval) {
			Dsq.Realtime.enableInterval();
		} else {
			Dsq.Realtime.disableInterval();
		}
		return false;
	}

	this.initialize = function() {
		if (!initialized) {
			initialized = true;
			Dsq.$('dsq-realtime-toggle').onclick = this.toggleInterval;
			if (!Dsq.jsonData.forum.streaming_realtime) {
				Dsq.$('dsq-realtime-show').onclick = this.show;
				updateNewPostCount();
			}
			if (Dsq.jsonData.thread.realtime_paused) {
				Dsq.Realtime.disableInterval();
			} else {
				Dsq.Realtime.enableInterval();
			}
		}
	}

	this.show = function() {
		insertNewPosts();
		updateNewPostCount();
		return false;
	}

	this.check = function() {
		if (!ongoing_request && Dsq.jsonData.realtime_enabled) {
			if (prev_script) {
				prev_script.parentNode.removeChild(prev_script);
			}
			ongoing_request = true;
			prev_script = Dsq.Utils.execScript('http://disqus.com/forums/8542076/realtime.js?timestamp=' + last_checked);
		}
	};

	this.update = function(timestamp, posts, users) {
		ongoing_request = false;
		last_checked = timestamp;

		if (users) {
			for (var user_id in users) {
				if (users.hasOwnProperty(user_id)) {
					if (!Dsq.jsonData.users[user_id]) {
						Dsq.jsonData.users[user_id] = users[user_id];
					}
				}
			}
		}

		if (posts) {
			for (var post_id in posts) {
				if (posts.hasOwnProperty(post_id)) {
					if (!Dsq.jsonData.posts[post_id]) {
						Dsq.jsonData.posts[post_id] = posts[post_id];
						new_posts.push(post_id);
					}
				}
			}

			if (Dsq.jsonData.forum.streaming_realtime) {
				insertNewPosts();
			} else {
				updateNewPostCount();
			}
		}
	};

}();

// DEPRECATED
Dsq.Iframes = function() {
	// Different style of object from the above. Hoping to switch to this for some reason.
	var obj = {};

	// Private
	var showIframeInContainer = function(container, id, markup) {
		// Look through container for iframes, hiding them, except show one that matches id
		// If none of them matched id, create a new iframe using markup and insert it.
		// Returns the iframe node if and only if it was newly created.
		var found = false;
		for (var i=0; i<container.childNodes.length; i++) {
			var child = container.childNodes[i];
			if (child.nodeName == 'IFRAME') {
				if (child.id == id) {
					child.style.display = 'block';
					found = true;
				} else {
					child.style.display = 'none';
				}
			}
		}
		if (found) {
			return;
		}
		// The iframe wasn't found, so construct it and add it to the container.
		// Don't use innerHTML because it might reload iframes
		var div = document.createElement('div');
		div.innerHTML = markup;
		var iframe = div.childNodes[0];
		div.removeChild(iframe);
		container.appendChild(iframe);
		return iframe;
	};

	// Public
	obj.makeReplyIframeId = function(opt_postId, opt_xtype) {
		var id = 'dsq-post-add-iframe';
		if (opt_xtype) {
			id += '-' + opt_xtype;
		}
		if (opt_postId) {
			id += '-' + opt_postId;
		}
		return id;
	};
	obj.makeLoginIframeId = function(opt_postId) {
		if (!opt_postId) {
			return 'dsq-login-iframe';
		}
		return 'dsq-login-iframe-' + opt_postId;
	};
	obj.makeReplyIframeName = function(opt_postId, opt_xtype) {
		var name = 'dsq-reply-frame';
		if (opt_xtype) {
			name += '-' + opt_xtype;
		}
		if (opt_postId) {
			name += '-' + opt_postId;
		}
		return name;
	};
	obj.showReplyIframeInContainer = function(container, opt_postId, opt_extraParams, opt_className) {
		// Construct the id so we can check if it's already present.
		// Hide any other iframes we find, and show this one if it's found.
		var params = opt_extraParams || {};
		// use xtype in the id and name so we can distinguish media replies from text replies:
		var id = Dsq.Iframes.makeReplyIframeId(opt_postId, params.xtype);
		var name = Dsq.Iframes.makeReplyIframeName(opt_postId, params.xtype);
		var attributes = {
			'id': id,
			'name': name,
			'class': opt_className || 'dsq-post-reply'
			};
		var markup = Dsq.Templates.frameReply(opt_postId, opt_extraParams, attributes);
		var iframe = showIframeInContainer(container, id, markup);
		// It was newly created
		if (iframe) {
			Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_CREATED, {
				postId: opt_postId,
				node: iframe,
				xtype: params.xtype
			});
		}
	};
	obj.showLoginIframeInContainer = function(container, opt_postId) {
		var id = Dsq.Iframes.makeLoginIframeId(opt_postId);
		var markup = Dsq.Templates.frameLogin({id: id});
		showIframeInContainer(container, id, markup);
	};
	obj.showReplyIframeInContainerIfAllowed = function(container, opt_postId) {
		if (Dsq.jsonData.context.show_reply) {
			obj.showReplyIframeInContainer(container, opt_postId);
		} else {
			obj.hideAllInContainer(container);
		}
	};
	obj.hideAllInContainer = function(container) {
		for (var i=0; i<container.childNodes.length; i++) {
			var child = container.childNodes[i];
			if (child.nodeName == 'IFRAME') {
				child.style.display = 'none';
			}
		}
	};

	return obj;
}();

Dsq.Twitter = new function() {
	var that = this;

	this.startTwitterConnect = function() {
		var popupParams = 'location=0,status=0,width=800,height=400';
		that._twitterWindow = window.open(Dsq.jsonData.settings.disqus_url + '/_ax/twitter/begin/', 'twitterWindow', popupParams);
		that._twitterInterval = window.setInterval(that.completeTwitterConnect, 1000);
	};

	this.completeTwitterConnect = function() {
		if (that._twitterWindow.closed) {
			window.clearInterval(that._twitterInterval);
			window.location.reload();
		}
	};
};

Dsq.Yahoo = new function() {
	var that = this;

	this.startYahooConnect = function() {
		var popupParams = 'location=0,status=0,width=800,height=400';
		that._yahooWindow = window.open(Dsq.jsonData.settings.disqus_url + '/_ax/yahoo/begin/', 'yahooWindow', popupParams);
		that._yahooInterval = window.setInterval(that.completeYahooConnect, 1000);
	};

	this.completeYahooConnect = function() {
		if (that._yahooWindow.closed) {
			window.clearInterval(that._yahooInterval);
			window.location.reload();
		}
	};
};

Dsq.OpenID = new function() {
	var that = this;

	this.requestURL = function() {
		var message = '<table class="dsq-openid-form"><tr><td style="vertical-align:top;" rowspan="2"><img src="' + Dsq.jsonData.settings.media_url + '/images/openid-icon-100x100.png" /></td>';
		message += '<td><label for="dsq-openid-url">OpenID URL:</label></td><td><input type="text" id="dsq-openid-url" /></td></tr>';
		message += '<tr><td><label for="dsq-openid-username">Display name:</label></td><td><input type="text" id="dsq-openid-username" /></td></tr>';
		message += '<tr><td class="dsq-openid-submit" colspan="3"><input type="button" value="Sign in" onclick="Dsq.OpenID.startConnect();" /></td></tr>';
		message += "</table>";

		Dsq.Popup.popModal(message, 'Sign in using OpenID');
	};

	this.startConnect = function() {
		var isblank = function(str) {
			return /^\s*$/.test(str);
		};

		var openid_url = Dsq.$('dsq-openid-url').value;
		var username = Dsq.$('dsq-openid-username').value;

		if (isblank(openid_url)) {
			return;
		}

		var popupParams = 'location=0,status=0,width=800,height=500';
		var url = Dsq.jsonData.settings.disqus_url + '/_ax/openid/begin/' + '?url=' + encodeURIComponent(openid_url) + '&username=' + encodeURIComponent(username);
		that._openidWindow = window.open(url, 'openidWindow', popupParams);
		that._openidInterval = window.setInterval(that.completeConnect, 1000);
	};

	this.completeConnect = function() {
		if (that._openidWindow.closed) {
			window.clearInterval(that._openidInterval);
			window.location.reload();
		}
	};
};

Dsq.Reaction = new function() {
	var that = this;

	this.hide = function(id) {
		Dsq.Utils.execScript('http://disqus.com/forums/blownmortgage/hidereaction.js?' + 'reaction_id=' + id);
	};

	this.reportMissingReactions = function() {
		if (!Dsq.jsonData.request.is_moderator || !Dsq.jsonData.forum.reactions_enabled) {
			return;
		}

		if (Dsq.jsonData.thread.queued) {
			Dsq.Popup.popModal('Your report has been received. The system will automatically search for new reactions; if any are found, they will be displayed on this comment thread.<br/><br/>Thank&nbsp;you.',
												 'Reported missing reactions');
			return;
		}

		Dsq.Utils.execScript(Dsq.jsonData.settings.disqus_url + '/forums/blownmortgage/queueurl.js');
	};
};

Dsq.CNN = function() {
	var obj = {};

	obj.authenticate = function() {
		var url = Dsq.jsonData.settings.disqus_url + "/saml/cnn/try/";
		Dsq.Utils.postToUrl(url, {'target': document.location}, true);
	};

	return obj;
}();


if(Dsq.Utils.ie6) {
	(function() {
		DSQ_HEADER_AVATAR_RE = /<div class="dsq-header-avatar"(.*?)>/gim;
		Dsq.Templates.registerFilter('postPrependHeader', function(html, post_id) {
			// Add "onmouseout" for dsq-header-avatar for dropProfile
			// functionality since IE6 cannot use :hover.
			function _headerAvatarReplace(content, inner, _unused, html) {
				return '<div class="dsq-header-avatar" '
					+ inner
					+ ' onmouseout="Dsq.Post.dropProfile(' + post_id + ')">';
			}
			html = html.replace(DSQ_HEADER_AVATAR_RE, _headerAvatarReplace);
			return html;
		});
	})();
}





	// TODO: Move Seesmic code outside of the main script.  Don't let this script clobber the global namespace.
	if(typeof seesmic == 'undefined') { var seesmic = {}; }
	seesmic.widget = new function () {
		this.callback = function (data) {
			playerVersion = data.disqusplayer;
		};
	};

	
	var scriptEl = document.createElement('script');
	scriptEl.setAttribute('type', 'text/javascript');
	scriptEl.setAttribute('src', 'http://seesmic.com/version.js?callback=seesmic.widget.callback');
	document.getElementsByTagName('head')[0].appendChild(scriptEl);

	
	var scriptEl = document.createElement('script');
	scriptEl.setAttribute('type', 'text/javascript');
	scriptEl.setAttribute('src', 'http://media.disqus.com/javascript/library/swfobject.js');
	document.getElementsByTagName('head')[0].appendChild(scriptEl);

	function see_play_video(_videoUri, _add) {
		var swf = !!playerVersion ? playerVersion : 'http://seesmic.com/embeds/StandalonePlayer.swf';

		flashcontentDiv = Dsq.$(_videoUri + '_content');
		previewDiv = Dsq.$('dsq-seesmic-' + _videoUri + '_preview');
		hideDiv = Dsq.$('dsq-seesmic-' + _videoUri + '_hide');
		showDiv = Dsq.$('dsq-seesmic-' + _videoUri + '_show');
		if(_add) {
			// push flash widget
			var so = new SWFObject(swf, 'sotester', '300', '270', '9', '#000000');
			so.addVariable('video', _videoUri);
			so.addParam('allowFullScreen', 'true');
			so.addParam('allowScriptAccess','always');
			so.useExpressInstall('swfobject/expressinstall.swf');
			so.write(_videoUri + '_content');

			previewDiv.style.display = 'none';
			hideDiv.style.display = 'block';
			showDiv.style.display = 'none';
		}
		else {
			flashcontentDiv.innerHTML = '';
			previewDiv.style.display = 'block';
			hideDiv.style.display = 'none';
			showDiv.style.display = 'block';
		}
	};





(function() {
	//
	// Load theme.  This overrides the base templates with template functions
	// from the respective themes.
	//
	if (Dsq.jsonData.integration.theme == 4) {
		var theme = 'narcissus';
		// HACK: Set variable on window to use post message.
		window.disqus_use_postmessage = true;

		
		for(var prop in Dsq.Themes[theme]) {
			if(Dsq.Themes[theme] && Dsq.Themes[theme].hasOwnProperty(prop)) {
				Dsq.Templates[prop] = Dsq.Themes[theme][prop];
			}
		}
		
		for(var prop in Dsq.Post) {
			if(Dsq.Themes[theme] && Dsq.Themes[theme].hasOwnProperty(prop)) {
				Dsq.Post[prop] = Dsq.Themes[theme][prop];
			}
		}
	}

	//
	// Register templates.  This must be done after all themes are loaded.
	//
	Dsq.Templates.registerTemplate('authPost', Dsq.Templates.authPost);
	Dsq.Templates.registerTemplate('header', Dsq.Templates.header);
	Dsq.Templates.registerTemplate('footer', Dsq.Templates.footer);
	Dsq.Templates.registerTemplate('trackbacks', Dsq.Templates.trackbacks);
	Dsq.Templates.registerTemplate('reactions', Dsq.Templates.reactions);
	Dsq.Templates.registerTemplate('prependPost', Dsq.Templates.prependPost);
	Dsq.Templates.registerTemplate('appendPost', Dsq.Templates.appendPost);
	Dsq.Templates.registerTemplate('postPrependHeader', Dsq.Templates.postPrependHeader);
	Dsq.Templates.registerTemplate('postAppendHeader', Dsq.Templates.postAppendHeader);
	Dsq.Templates.registerTemplate('preBody', Dsq.Templates.preBody);
	Dsq.Templates.registerTemplate('postBody', Dsq.Templates.postBody);
	Dsq.Templates.registerTemplate('postFooter', Dsq.Templates.postFooter);
	Dsq.Templates.registerTemplate('_popupGeneric', Dsq.Templates._popupGeneric);
	Dsq.Templates.registerTemplate('voted', Dsq.Templates.voted);
	Dsq.Templates.registerTemplate('popupProfile', Dsq.Templates.popupProfile);
	Dsq.Templates.registerTemplate('postBox', Dsq.Templates.postBox);
	Dsq.Templates.registerTemplate('pagination', Dsq.Templates.pagination);
	Dsq.Templates.registerTemplate('postComment_onSuccess', Dsq.Templates.postComment_onSuccess);

})();

Dsq.container.className = "clearfix";
Dsq.container.innerHTML = ' \
<ul id="dsq-comments">\
	 <li id="dsq-comment-4579432">\
	 <div id="dsq-comment-header-4579432" class="dsq-comment-header">\
	 <cite id="dsq-cite-4579432" class="dsq-comment-cite">\
	 <a id="dsq-author-user-4579432" href="http://www.defaultmortgag.org" target="_blank" rel="nofollow">Tharrison</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-4579432" class="dsq-comment-body">\
	 <div id="dsq-comment-message-4579432" class="dsq-comment-message">I must agree.  Even though I am with a loan modification company.  We do offer a Money Back Guarantee if we are unable to get a loan modified successfully.  None the less, you can DIY a loan mod without a doubt.  However, would you go to court without an attorney?  Of course not!  Counselors like myself have been doing loan mods way before it became an unfortunate "trend".  Our service offers, expertise, knowledge and quite frankly the peace of mind of not having to go through the sometimes 90 day process of a loan mod.  Most of our clients have gone the route of DIY and have failed because they do not understand the importance of the information that is submitted to the lender to actually qualify.  Yes, you must qualify for help.  simply filling out paperwork and sending it to your lender will not get you a loan modification or out of foreclosure.  We list our customer testimonies and the successful modifications we get on our website.  This way clients know what we can do for them.  <a href="mailto:tharrison@defaultmortgage.org" rel="nofollow">tharrison@defaultmortgage.org</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6209460">\
	 <div id="dsq-comment-header-6209460" class="dsq-comment-header">\
	 <cite id="dsq-cite-6209460" class="dsq-comment-cite">\
	 <span id="dsq-author-user-6209460">Arthur</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6209460" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6209460" class="dsq-comment-message">Don\'t email this person. My friend went through this company and they lost their home.  Their fees are high and they accept money if you are in default which is illegal.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6262373">\
	 <div id="dsq-comment-header-6262373" class="dsq-comment-header">\
	 <cite id="dsq-cite-6262373" class="dsq-comment-cite">\
	 <span id="dsq-author-user-6262373">Teri</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6262373" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6262373" class="dsq-comment-message">Arthur, an attorney based loan modification company can collect fees even when the borrower has received notice of default.. sorry for your friend tho\'</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-4597535">\
	 <div id="dsq-comment-header-4597535" class="dsq-comment-header">\
	 <cite id="dsq-cite-4597535" class="dsq-comment-cite">\
	 <span id="dsq-author-user-4597535">foreclosureprevention</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-4597535" class="dsq-comment-body">\
	 <div id="dsq-comment-message-4597535" class="dsq-comment-message">I agree also with DIY loan modification, but its my belief that a loan modification is not always the best route to take the reason being, a loan modification will not help if you owe more than your property is worth. There are programs that actually do help if you owe more than your property is worth such as a "Short Refinance" and you do not have to pay anything upfront it is all written into the new loan. This program is regulated by the DRE so there will not be any outside companies involved who are not within the real estate industry. The amount charged is regulated also, so the risk factor is not as great as taking a chance with an outside loan mod company who can take an upfont fee and not accomplish a thing for you!<br>How it works:<br>If you owe more than your property is worth then the new loan will be at the current appraised value of your home with a 30 year fixed mortgage at a low interest rate (4.5-5.9).<br>Just like a loan modification you have to have a hardship of some sort that has effected you financially, but show that you can afford the new loan.<br>For more information email me at <a href="mailto:amiller@firststatelendinginc.com" rel="nofollow">amiller@firststatelendinginc.com</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-4604449">\
	 <div id="dsq-comment-header-4604449" class="dsq-comment-header">\
	 <cite id="dsq-cite-4604449" class="dsq-comment-cite">\
	 <span id="dsq-author-user-4604449">shortrefi</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-4604449" class="dsq-comment-body">\
	 <div id="dsq-comment-message-4604449" class="dsq-comment-message">SHORT REFINANCE<br>A short refinance is where your existing lender agrees to a short payoff, by reducing your principal balance to market value PLUS enough to cover the new lender\'s equity requirements AND refinance closing costs. In many ways, this is exactly what the Hope for Homeowners Program offers. However, the key difference here is that successful short refinances now happen in cases where the borrower is NOT late - the reason being, you will not qualify for a traditional FHA refinance if you have been late on your mortgage within the past 12 months. *The exception is FHASecure, where the program grants exceptions to those borrowers who have gone late as a result of an interest rate increase only. If you are successful with a short refinance, you will not have to share your equity with the government. In fact, all of the loss mitigation alternatives mentioned here will not require that. Why an FHA refinance and not a conventional or jumbo? FHA guaranteed loans are the only ones that will refinance up to 95% of a home\'s market value. Otherwise, your existing lender would have to write down enough to give you 10% equity to qualify for a conventional loan PLUS more to cover closing costs- and that\'s simply not going to happen.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-4604763">\
	 <div id="dsq-comment-header-4604763" class="dsq-comment-header">\
	 <cite id="dsq-cite-4604763" class="dsq-comment-cite">\
	 <span id="dsq-author-user-4604763">shortrefi</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-4604763" class="dsq-comment-body">\
	 <div id="dsq-comment-message-4604763" class="dsq-comment-message">•	The new mortgage, if approved, will replace all of the current mortgages on your home.  You will not owe any payments, fees or debts on mortgages you now hold. <br><br>•	You must agree to share both the equity created at the beginning of this new mortgage and a portion of any future appreciation in the value of your home.  (link to equity and appreciation sharing  examples for website). <br><br>•	In addition to an upfront mortgage insurance payment of 3%, you will pay a 1.5% annual mortgage insurance premium on your outstanding mortgage balance.  This premium will be included in your monthly payments.<br><br>•	You will need to pay closing costs on the loan.  You will receive a Good Faith Estimate of these costs.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-4785184">\
	 <div id="dsq-comment-header-4785184" class="dsq-comment-header">\
	 <cite id="dsq-cite-4785184" class="dsq-comment-cite">\
	 <span id="dsq-author-user-4785184">Ozzie</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-4785184" class="dsq-comment-body">\
	 <div id="dsq-comment-message-4785184" class="dsq-comment-message">I have been making my payments on time for the last 24 months and my house felt in value significantly.<br>Owe 290k and is worth 225k<br>According to X company, the new value of the house will be 200k <br>I would like to know how in the world 290k is set down to 200k, what is it that 90k are wipe out of the face of the earth.<br>Do I have to pay back later during the life of the loan, or will I be set to pay a house for 60 years?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-4990712">\
	 <div id="dsq-comment-header-4990712" class="dsq-comment-header">\
	 <cite id="dsq-cite-4990712" class="dsq-comment-cite">\
	 <a id="dsq-author-user-4990712" href="http://www.facebook.com/people/Terry-Harrison/1281496218" target="_blank" rel="nofollow">Terry Harrison</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-4990712" class="dsq-comment-body">\
	 <div id="dsq-comment-message-4990712" class="dsq-comment-message">There are a few, and I mean like 2 lender service companies, that we are aware of that are reducing the principle balance on loans.  However, that decision to do so is coming from the investor of the loan, not the service company.  Even if you have a loan being serviced by one of these companies, this doesn\'t mean your investor is the same.  It is a very rare occurrence to see a principle balance reduction.  None the less, companies use it as a marketing\\sales tactic to get you to sign up for service to find out later a conventional modification is what you end up with anyways.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6209479">\
	 <div id="dsq-comment-header-6209479" class="dsq-comment-header">\
	 <cite id="dsq-cite-6209479" class="dsq-comment-cite">\
	 <span id="dsq-author-user-6209479">Arthur</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6209479" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6209479" class="dsq-comment-message">You guys don\'t have a money back guarantee</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-5020247">\
	 <div id="dsq-comment-header-5020247" class="dsq-comment-header">\
	 <cite id="dsq-cite-5020247" class="dsq-comment-cite">\
	 <a id="dsq-author-user-5020247" href="http://www.modificationman.com" target="_blank" rel="nofollow">Phil Ryder</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-5020247" class="dsq-comment-body">\
	 <div id="dsq-comment-message-5020247" class="dsq-comment-message">I agree with "Tharrison"\'s comment. Yes, you can do your own loan modification; but it\'s a real minefield and will typically take you HOURS on the phone, and you really need to know how to present your circumstances to the lender: esp. evidence of hardship, and your financial situation, esp. how to balance INCOME & EXPENSES. Your being severely \'upside down\' will not necessarily push your lender into modifying your loan, through threatening them with what they may lose in a forced sale. Who really owns your loan? Will they care? Maybe they will happily take a loss on the sale of your home, if it creates at least some liquid cash flow for them ...<br>A reputable loan modification company CAN be a great help, if it honestly assesses your situation and identifies a realistic chance of getting you a good mod. Even then, be suspicious if you are asked for a large up front fee, e.g. in excess of $2,000. The company I work for charges (after a detailed and careful free assessment process) a TOTAL of $2,600, with no more than half that charged at outset, and the balance is payable when a satisfactory modification is attained. Even the initial payment is refundable, if the lender unexpectedly issues a flat denial.<br>You need to approach the idea of a modification carefully, with eyes wide open. REMEMBER, If you have significant negative equity, whatever your payment is, or type of loan, you are doing no more than paying rent to your lender - you will not, in this housing market, regain that equity and sell with a surplus, for MANY YEARS. I have clients who have made the arguably sensible decision of \'walking away\', and renting the IDENTICAL MODEL of their home up the street,  with a monthly payment of aroung HALF their previous mortgage payment. Hey, they can even put their furniture EXACTLy where it was in their \'owned\' property!<br>I\'m not RECOMMENDING that: it\'s your life, & your decision. But you should NEVER let your home kill you financially, OR emotionally. Please feel free to contact me if you wish to share your circumstances. As a Realtor® I will honestly give you the best advice I can.<br><br>BTW this \'Blownmortgage\' web site seems to me to be an EXCELLENT one of its kind, offering sensible, impartial advice. There are too many rip-off loan mod. companies/individuals around trying to screw the vulnerable. SHAME ON THEM.<br><br>Phil. 916 715 4986. <a href="mailto:philryder@camoves.com" rel="nofollow">philryder@camoves.com</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-5106089">\
	 <div id="dsq-comment-header-5106089" class="dsq-comment-header">\
	 <cite id="dsq-cite-5106089" class="dsq-comment-cite">\
	 <span id="dsq-author-user-5106089">Veronica</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-5106089" class="dsq-comment-body">\
	 <div id="dsq-comment-message-5106089" class="dsq-comment-message">Hi Phil, I\'ve tried to send you an e-mail, but I keep geting that the e-mail address is incorect or can\'t be found.<br>Thank you</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6209524">\
	 <div id="dsq-comment-header-6209524" class="dsq-comment-header">\
	 <cite id="dsq-cite-6209524" class="dsq-comment-cite">\
	 <span id="dsq-author-user-6209524">Arthur</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6209524" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6209524" class="dsq-comment-message">Never use a loan modification company. They do something you can do yourself veronica which is send information to the bank, cross their fingers and hope for the best.  Don\'t give Phil your information.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6340668">\
	 <div id="dsq-comment-header-6340668" class="dsq-comment-header">\
	 <cite id="dsq-cite-6340668" class="dsq-comment-cite">\
	 <span id="dsq-author-user-6340668">doc</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6340668" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6340668" class="dsq-comment-message">you r wrong, someones house deserves professional attention (provided its legit) if you go in armed with only a limited knowledge of the process you wont recieve the biggest reduction and best outcome. i can tell you what the lender will reduce your payments to because of the previous experience, knowing lender oblogations, laws, etc. lenders are hoping homeowners don\'t use professionals. dah</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-5048010">\
	 <div id="dsq-comment-header-5048010" class="dsq-comment-header">\
	 <cite id="dsq-cite-5048010" class="dsq-comment-cite">\
	 <span id="dsq-author-user-5048010">Loan_Modification</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-5048010" class="dsq-comment-body">\
	 <div id="dsq-comment-message-5048010" class="dsq-comment-message">Indeed a valuable information on the subject but can you think of someone handling all legal aspects of the loan modification process ?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-5169845">\
	 <div id="dsq-comment-header-5169845" class="dsq-comment-header">\
	 <cite id="dsq-cite-5169845" class="dsq-comment-cite">\
	 <span id="dsq-author-user-5169845">Bond</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-5169845" class="dsq-comment-body">\
	 <div id="dsq-comment-message-5169845" class="dsq-comment-message">As a former Mortgage Brokerage Owner, I decided to work for a Law Firm that is reputable and has been doing Loan Mods long before it became popular.<br>Fact:  The Loss Mit Dept inside Lenders & Servicers say that if a H/O chooses to "Do it themselves" they will get a 100 - 200 dollar break, if they go through an attorney the H/O has more leverage and usually gets what they need, so there you have it right out of the horses mouth.  Having the right legal representation so that a H/O can maximize their chances of correcting their current scenario and send them off on a more stable path is our goal and we are accomplishing that 1000\'s of times over at this firm.  I know that there are a large number of scammers out there but a H/O dealing with their own Mortgage Company is like sending a lamb to slaughter..........Bond</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-5366963">\
	 <div id="dsq-comment-header-5366963" class="dsq-comment-header">\
	 <cite id="dsq-cite-5366963" class="dsq-comment-cite">\
	 <a id="dsq-author-user-5366963" href="http://gomodify.com/" target="_blank" rel="nofollow">Justin</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-5366963" class="dsq-comment-body">\
	 <div id="dsq-comment-message-5366963" class="dsq-comment-message">Mortgage Loan Modification Package<br>We provide our clients with full attorney services from the start of the modification application to the completion of the resolution.<br>Our services include the initial consultation with the client, the compiling of the full modification application, the processing of the application, underwriting of the loan restructure proposal, a written legal agreement contract, the final resolution and the final step of executing the new contract which modifies the loan with your lender.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-5375224">\
	 <div id="dsq-comment-header-5375224" class="dsq-comment-header">\
	 <cite id="dsq-cite-5375224" class="dsq-comment-cite">\
	 <span id="dsq-author-user-5375224">Brian</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-5375224" class="dsq-comment-body">\
	 <div id="dsq-comment-message-5375224" class="dsq-comment-message">I just received information from a law firm that represents Loan Modification and I was blown away by their initiation costs.  What should a reasonable fee be to start the process?  Then it also states should any additional cost arise they would inform me before agreeing to these fees.  However without any idea of what additional cost could be I am afraid that I could have to back out of the agreement with the lawyer because I couldn\'t afford these additional fees.  Can anyone give me an idea of the total cost to do a loan modification through a lawyer cost?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-5502234">\
	 <div id="dsq-comment-header-5502234" class="dsq-comment-header">\
	 <cite id="dsq-cite-5502234" class="dsq-comment-cite">\
	 <span id="dsq-author-user-5502234">Greg</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-5502234" class="dsq-comment-body">\
	 <div id="dsq-comment-message-5502234" class="dsq-comment-message">my loan co. offered a loan mod of 6.5 fixed for 30yrs. but will not reduce princ. to current value..underwater 50,000 ..deal or no deal? will it ever come back you think? 50,000..thanks ...also a balloon payment is in there that can\'t be modified..maybe I should walk away?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-5514902">\
	 <div id="dsq-comment-header-5514902" class="dsq-comment-header">\
	 <cite id="dsq-cite-5514902" class="dsq-comment-cite">\
	 <span id="dsq-author-user-5514902">Brian</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-5514902" class="dsq-comment-body">\
	 <div id="dsq-comment-message-5514902" class="dsq-comment-message">You will have to be the one who makes the decision to walk away, and that is an option worth considering.  Depending on what state you live in and the local economy, the housing values could take YEARS to rebound and return back to a level where you are no longer underwater.<br><br>I would be considering these factors:  <br>-your new monthly payment vs. cost of renting<br>-how long is the foreclosure process in your state (in Michigan there is a 6 month redemption period, so the entire process can take almost a year to get you out of the house if you stop making payments)  This allows you to save money while living in the home making no payments<br>-how long will it take you to rebuild your credit<br>-the bank may still come after you for the deficiency, because you signed a note when you bought the house which does not go away unless you declare bankruptcy (many times banks will not bother chasing you down for the deficiency because they know you can declare bankruptcy)<br>-it might be worth it writing them a letter stating that you are not interested in the loan mod unless the balance is reduced to market level (and you would not want to be making payments to them during this time, as they won\'t take you seriously if the money is still coming in)<br><br>Good luck....</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6266868">\
	 <div id="dsq-comment-header-6266868" class="dsq-comment-header">\
	 <cite id="dsq-cite-6266868" class="dsq-comment-cite">\
	 <span id="dsq-author-user-6266868">Avramski</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6266868" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6266868" class="dsq-comment-message">I would add that if the bank does not come after you for the deficiency, it may send you IRS form 1099 for the amount.  This means that the IRS will treat the forgiven deficiency as self employed income to you and you will have to pay taxes on it.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6266892">\
	 <div id="dsq-comment-header-6266892" class="dsq-comment-header">\
	 <cite id="dsq-cite-6266892" class="dsq-comment-cite">\
	 <a id="dsq-author-user-6266892" href="http://blownmortgage.com" target="_blank" rel="nofollow">morganb</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6266892" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6266892" class="dsq-comment-message">I think "may" is the operative word here.  Many banks are not filing these<br>1099s. I would also anticipate that there will be some tax law changes with<br>any mortgage bailout that would relieve this burden.   Not that you should<br>do anything based on what may happen but it is a consideration.  Also, you<br>should always consult a tax professional (lawyer, accountant, etc.) for any<br>implications on your taxes.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6292493">\
	 <div id="dsq-comment-header-6292493" class="dsq-comment-header">\
	 <cite id="dsq-cite-6292493" class="dsq-comment-cite">\
	 <span id="dsq-author-user-6292493">KurtEse</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6292493" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6292493" class="dsq-comment-message">This was the case in the past.  Now, since the Mortgage Debt Relief Act of 2007 was this is not the case.   More can be read at <a href="http://www.irs.gov/individuals/article/0%2C%2Cid=179414%2C00.html" rel="nofollow">http://www.irs.gov/individuals/article/0,,id=17...</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6292559">\
	 <div id="dsq-comment-header-6292559" class="dsq-comment-header">\
	 <cite id="dsq-cite-6292559" class="dsq-comment-cite">\
	 <span id="dsq-author-user-6292559">KurtEse</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6292559" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6292559" class="dsq-comment-message">That was the case in the past, since the Mortgage Debt Relief Act went into effect in 2007, lenders are NOT issuing 1099s for forgiven debt.  More can be read at <a href="http://www.irs.gov/individuals/article/0%2C%2Cid=179414%2C00.html" rel="nofollow">http://www.irs.gov/individuals/article/0,,id=17...</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-5697146">\
	 <div id="dsq-comment-header-5697146" class="dsq-comment-header">\
	 <cite id="dsq-cite-5697146" class="dsq-comment-cite">\
	 <a id="dsq-author-user-5697146" href="http://www.mcfarlinlaw.com" target="_blank" rel="nofollow">tmcfarlin</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-5697146" class="dsq-comment-body">\
	 <div id="dsq-comment-message-5697146" class="dsq-comment-message">The idea of a DIY loan modification sounds good in theory, but the reality is most borrowers simply are not able to make the time commitment to the process to get the best result.  A loan modification requires a substantial time commitment to be able to wait on hold for hours at a time, and be available to take a lenders call anytime during the day.  A borrower should also try and understand the whole process before they start including lender guidelines, programs their particular lender has available, and documents required by the lender.  It\'s not that a borrower can\'t do it themselves, it just takes an enormous time and resource commitment to do it right.<br>As far as loan modification companies that offer a "guarantee," the problem with that is they just won\'t be around when it\'s time to give the money back...a guarantee is only as good as the company that issued it.  Most of these outfits don\'t last long.  In the spirit of full disclosure, I am a real estate attorney and manage <a href="http://www.mcfarlinlaw.com" rel="nofollow">www.mcfarlinlaw.com</a>.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-5818971">\
	 <div id="dsq-comment-header-5818971" class="dsq-comment-header">\
	 <cite id="dsq-cite-5818971" class="dsq-comment-cite">\
	 <span id="dsq-author-user-5818971">Carelia castro</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-5818971" class="dsq-comment-body">\
	 <div id="dsq-comment-message-5818971" class="dsq-comment-message">I would love to do my loan modification on my own, but banks are not interested in helping individuals. I tried getting help from my previous bank and after many phone calls and a lot of paper work, I got no results. I ended up refinancing with another bank just to cash out in order to pay the mortgage and get a fix interest rate. Now we are struggling to make the new payment and our savings are gone. I have good credit, have always paid on time and still I can\'t seem to get help. I called my new mortgage company for help and their advice was to keep the little money I had left in the bank and not pay the mortgage payment. And that someone would call me within 30 days. Can someone give me some advice.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-5820882">\
	 <div id="dsq-comment-header-5820882" class="dsq-comment-header">\
	 <cite id="dsq-cite-5820882" class="dsq-comment-cite">\
	 <a id="dsq-author-user-5820882" href="http://blownmortgage.com" target="_blank" rel="nofollow">morganb</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-5820882" class="dsq-comment-body">\
	 <div id="dsq-comment-message-5820882" class="dsq-comment-message">Hi Carelia,<br><br>You might want to fill out the form at the bottom of this post (above the comments) and someone from the Mortgage Modification Legal Network will contact you directly about your options.  There\'s no obligation and they\'ll tell you whether they can help you or not on the first call.  (Disclosure: If you work with them I will make a commission as I\'m an affiliate.)  <br><br>Good luck!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6152750">\
	 <div id="dsq-comment-header-6152750" class="dsq-comment-header">\
	 <cite id="dsq-cite-6152750" class="dsq-comment-cite">\
	 <span id="dsq-author-user-6152750">Bobby</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6152750" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6152750" class="dsq-comment-message">Okay so you explain how to do a modification by yourself. Then you tell everyone to contact a modification company? Don\'t you think this is a little contradictory?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6152819">\
	 <div id="dsq-comment-header-6152819" class="dsq-comment-header">\
	 <cite id="dsq-cite-6152819" class="dsq-comment-cite">\
	 <a id="dsq-author-user-6152819" href="http://blownmortgage.com" target="_blank" rel="nofollow">morganb</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6152819" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6152819" class="dsq-comment-message">I didn\'t recommend that you contact a loan modification company. I<br>recommended that you get the info you need to do it yourself.  I think that<br>the company recommended has good information.   That\'s all.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6209330">\
	 <div id="dsq-comment-header-6209330" class="dsq-comment-header">\
	 <cite id="dsq-cite-6209330" class="dsq-comment-cite">\
	 <span id="dsq-author-user-6209330">Gilbert</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6209330" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6209330" class="dsq-comment-message">We should also ask if the company works with the Hope Now Government programs.  Those should be the first option for everybody. The program are very generous and are the only way that many people have to save their homes.  The hope for homeowners gives a new loan based on the "current" value of the house... In <a href="http://HopeNowMortgages.com" rel="nofollow">HopeNowMortgages.com</a> said that the government expect to help 400,000 homeowners and they are just starting...</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6421641">\
	 <div id="dsq-comment-header-6421641" class="dsq-comment-header">\
	 <cite id="dsq-cite-6421641" class="dsq-comment-cite">\
	 <a id="dsq-author-user-6421641" href="http://www.loanamnesty.com" target="_blank" rel="nofollow">Loan Modification Advice</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6421641" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6421641" class="dsq-comment-message">Some good information here. DIY Loan Mods are pretty risky if you don\'t know what you are doing as sometimes approaching the lender can lead the consumer to be immediately pushed into foreclosure because the lender of the mortgage servicer gets worried about being paid. <br><br>A great service that shows homeowners whether or not they are likely to qualify for Loan Modification is called <a href="http://www.loanamnesty.com rel="nofollow">Loan Amnesty</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-6472774">\
	 <div id="dsq-comment-header-6472774" class="dsq-comment-header">\
	 <cite id="dsq-cite-6472774" class="dsq-comment-cite">\
	 <a id="dsq-author-user-6472774" href="http://blownmortgage.com" target="_blank" rel="nofollow">morganb</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-6472774" class="dsq-comment-body">\
	 <div id="dsq-comment-message-6472774" class="dsq-comment-message">Notice to all commenters: if you\'re commenting and pimping the loan modification company you work for or your own personal services your link will be removed as spam. if you feel your comment was removed in error please email me and i\'ll reconsider.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-13377526">\
	 <div id="dsq-comment-header-13377526" class="dsq-comment-header">\
	 <cite id="dsq-cite-13377526" class="dsq-comment-cite">\
	 <span id="dsq-author-user-13377526">mybizna</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-13377526" class="dsq-comment-body">\
	 <div id="dsq-comment-message-13377526" class="dsq-comment-message">There are really some good Loan Modification companies out there who will do all of this work for you.  I mean cmon, the average homeowner like me in dire straits is not thinking about doing all of these things nor do they have the time to sit down and tackle this only to make the mistakes and fail;but would rather someone who is an expert take care of it.  Let\'s be honest, it\'s in no way an easy process for me and I consider myself to be pretty intelligent.  The company I\'m working with charges a fee($2095 or $1795 if just behind but not in foreclosure) with a 100% guarantee in writing covering 47 states and they\'re getting me caught up(5 months behind and in foreclosure), stopping the threat of foreclosure, reducing my rate by 4.75%, saving over $400 each month, and reducing my loan balance. This is a no brainer and I was also referred to them by my neighbor who already went thru the process successfully saving her home and over $7000 per year on her home loan...I was referred to and currently working with a real nice intelligent guy @ a mortgage company...John Williams, 1-866-846-3355ext.109...see what he can do for you I am telling you he is 1 of the guys who is making the difference for us homeowners right now.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-15444837">\
	 <div id="dsq-comment-header-15444837" class="dsq-comment-header">\
	 <cite id="dsq-cite-15444837" class="dsq-comment-cite">\
	 <span id="dsq-author-user-15444837">cliffcapdevielle</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-15444837" class="dsq-comment-body">\
	 <div id="dsq-comment-message-15444837" class="dsq-comment-message">I am an attorney in California helping consumers with Bankruptcy and Loan Modification issues.  I want to get the word out about some problems I am seeing with the loan modification applications.<br><br>Contrary to the recent news, banks are offering loan modifications.  However many of the applications are not accepted for these reasons:<br>1.	The application is incomplete.  In contrast to the past, banks require perfect documentation.  For example, if a person is self employed they will be required to provide a current year to date P&L.  Bank statements and Payroll records must be current(past 60 days).  Oftentimes the banks won’t review a file without current information even though they are only reviewing the file 90 days after it is submitted.  Customers should continue to submit bank and payroll records to the bank until the application process is complete.  The banks will not remind clients or call them to let them know their applications are incomplete or their information is outdated.<br>2.	Parts of the file is lost by the bank or servicer.  Banks and servicers are receiving thousands of applications per day(most by fax). When submitting an application to the bank, homeowners should write the loan number on each and every documents, so that the banks can put the documents in the correct file.  Servicers have available to attorneys methods of submitting applications through web portals.  These are not currently available to homeowners.<br>3.	Homeowners are not using the banks forms.  Most banks now have websites with preprinted forms to use for the application.  If homeowners use other forms for hardship letters or financial statements, the reviewer may not recognize it as such, and deny the application without review.<br>4.	Homeowners are trying to make themselves look as impoverished as possible to qualify.  The goal of a homeowner should be to explain to the bank why they can not make the current payment.  If the homeowner exaggerates expenses or underreports income, he or she may make themselves ineligible for a modification, when they might otherwise be eligible.<br>5.	Homeowners are giving up.  The banks are expanding their programs weekly.  Even if a home owner was denied an application last year or even last month, they may be eligible for a program now.  It doesn’t hurt to resubmit an application with updated information.<br>Please call or email me with any questions.</div>\
	 </div>\
	 </li>\
	 </ul>\
';

(function() {
	
	





Dsq.Debug.profile(function() {
	if(Dsq.jsonData.request.page == 1 && Dsq.jsonData.request.is_initial_load) {
		Dsq.container.innerHTML = Dsq.Templates.header() + Dsq.container.innerHTML + Dsq.Templates.footer();
	}
	Dsq.$(Dsq.curPageId).innerHTML = Dsq.$(Dsq.curPageId).innerHTML.replace(Dsq.COMMENTS_RE, Dsq.CommentsHandler);
}); // Dsq.Debug.Profile

// HACK: Resetting cache because we're done with.
Dsq.Utils.gebiFromElementCollectionCache = null;


	
	
	var dsq_styleEl = document.getElementById(disqus_container_id);
	var dsq_anchorEl = document.getElementsByTagName('a')[0];
	
	Dsq.Thread.fc = Dsq.Utils.getStyle(dsq_styleEl, 'color');
	if(dsq_anchorEl) { Dsq.Thread.ac = Dsq.Utils.getStyle(dsq_anchorEl, 'color'); }
	Dsq.Thread.ff = Dsq.Utils.getStyle(dsq_styleEl, (Dsq.Utils.ie || window.opera ? 'fontFamily' : 'font-family'));
	// For Safari / Opera: strip quotes.
	Dsq.Thread.ff = Dsq.Thread.ff.replace(/['"]/g, '');
	Dsq.Thread.fc = encodeURIComponent(Dsq.Thread.fc);
	Dsq.Thread.ac = encodeURIComponent(Dsq.Thread.ac);
	Dsq.Thread.ff = encodeURIComponent(Dsq.Thread.ff);

	
	
	
	if(Dsq.$(Dsq.Templates.addPostContainer)) {
		// TODO: Check to see if theme uses postmessage.
		if (window.disqus_use_postmessage) {
			Dsq.frames['reply_0'] = new Dsq.ReplyFrame(Dsq.$(Dsq.Templates.textareaContainer));
			Dsq.frames['reply_0'].init(function() {
				// Use fallback iframe
				Dsq.$(Dsq.Templates.addPostContainer).innerHTML = '';
				var theme = (typeof disqus_frame_theme == 'undefined') ? 'default' : disqus_frame_theme;
				Dsq.Iframes.showReplyIframeInContainer(Dsq.$(Dsq.Templates.addPostContainer), null, {theme: theme});
				// if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE(); }
			});
		} else {
			// DEPRECATED
			Dsq.Iframes.showReplyIframeInContainer(Dsq.$('dsq-post-add'));
		}
	}

	
	

	
	if(document.location.hash != '') {
		document.location.hash = document.location.hash.substring(1);
	}

	Dsq.Popup.showCookieMsgs();

	
	if(document.location.search != '' && location.hash != '#disqus_thread') {
		var reply_id = Dsq.Utils.getRequestParams().dsq;
		if(reply_id) { document.location.hash = 'comment-' + reply_id; }
	}

	
	if((typeof OB_Script != 'undefined') && (typeof OB_versionNum != 'undefined')) {
		if(navigator.userAgent.indexOf("Firefox") != -1) {
			if(window.frames['dsq-reply-frame']) {
				window.frames['dsq-reply-frame'].location = Dsq.Urls.REPLY + (new Date()).getTime() + '&f=blownmortgage&t=loan_modifications_on_your_own&to_redirect=' + encodeURIComponent(window.location) + '&ifrs=' + encodeURIComponent(disqus_iframe_css);
			}
		}
	}

	if (Dsq.jsonData.integration.theme == 4) {
		if (Dsq.jsonData.realtime_enabled) {
			Dsq.Realtime.initialize();
		}
	}

	




if(typeof(disqus_callback) == 'function') {
	var callback_params = Dsq.Utils.getRequestParams()['dsq_cbp'] || null;

	// We don't care about any errors in third-party code
	try {
		disqus_callback(callback_params);
	} catch (x) {
		if (typeof(console) != 'undefined' && typeof(console.log) == 'function') {
			// But it would be nice to let developers know about them
			console.log(x);
		}
		// pass
	}

	// HACK: We don't know if the callback wraps our container, which may
	// possibly result in a new DOM element.
	Dsq.container = document.getElementById('dsq-content');
}

})();




