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foreclosure problem one must FIRST understand what continues to DRIVE it. <br><br>The Foreclosure Mess - A PROPOSED SOLUTION<br><a href=\"http://www.the-office.com/foreclosure-solution.htm\" rel=\"nofollow\">http://www.the-office.com/foreclosure-solution.htm</a><br><br>\"WE CAN KEEP PEOPLE IN THEIR HOMES -<br>LET LENDERS PROFIT LATER FOR EASING TERMS NOW\"<br>By Andrew Caplin, Thomas Cooley, Noel Cunningham, and Mitchell Engler<br><br>(Mr. Caplin is an economics professor and co-director of the Center for Experimental Social Science at New York University. Mr. Cooley is dean of the Stern School of Business at NYU. Mr. Cunningham is a law professor at NYU. Mr. Engler is a professor at the Benjamin. N. Cardozo School of Law.)", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-27_11:05:38", "killed": false, "user_key": "e31a8d6d573b2176f20a44a3c6e05c2c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/27/2009 08:05 AM", "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}, "13248589": {"up_voted": false, "ip": "", "has_replies": false, "message": "Or just use wordpress 2.8, I think it has spam filters built in", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-24_01:22:22", "killed": false, "user_key": "2844744cac21fbd51fbc82192fc82996", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/23/2009 10:22 PM", "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}, "12571544": {"up_voted": false, "ip": "", "has_replies": false, "message": "Politicians aren't as interested in solutions to problems as they are interested in appearing to be doing something. Affordable housing is a perfect example. In my neck of the woods (CA) politicians have been screaming for years about the overiding need for affordable housing. Well now we have it but they don't want to talk about affordability anymore. Politicians weren't really interested in affordable housing they were interested in being perceived as caring about affordable housing. The market has delivered exactly what the wanted but they aren't happy. The incredible thing is that is is the law of unintended consequences that created the affordable housing. Bad lending policy designed to increase home ownership leads to unaffordable housing but is unsustainable so the invisible hand of the market bitchslaps the housing market. The unintended consequence of their attempts to create affordable housing worked but they did it the hard way.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-13_04:39:34", "killed": false, "user_key": "jamesgallagher", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "07/13/2009 01:39 AM", "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}, "12487619": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have to agree Jay, the government doesn't know how and should not fix it. It is their responsibility to see that the markets are able to operate freely and fairly. What the feds are doing now is borrowing buyers from the future and chasing the immediate gratification.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>rob aubrey&#180;s last blog post..<a href=\"http://3poundsofrealestate.com/2009/05/31/wahoo-we-are-somebody/\" rel=\"nofollow\">Wahoo We Are Somebody</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_00:24:07", "killed": false, "user_key": "72eeff587670aee6f33246e85c24daa2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/06/2009 09:24 PM", "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}, "12487620": {"up_voted": false, "ip": "", "has_replies": false, "message": "What do you mean?  We're ENTITLED to be taken care of.  The government is our friend.  I, for one, need the help of a benevolent government.  It's been a tough real estate year, so Bill Gates needs his taxes raised so I can get a bit of help over here in Taos, NM.  Or, maybe we'll just borrow some more.  Does the U.S. government have a credit score over at Experian?<br><br>Obviously, the banks in trouble aren't operating like mine.  I can't write a check from savings, which is where I accumulate funds for my quarterly tax payments (it's that whopping half percent interest rate).  I wrote two checks to the IRS on my regular account, and forgot to transfer the money over.  A $75 charge for my error is how you make money the old fashioned way...take it from someone else.<br><br>Just kidding, I'm a Libertarian at heart.  Great post.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Jim Kimmons&#180;s last blog post..<a href=\"http://realestate.about.com/b/2009/06/04/my-one-track-brain-trulia-zillow-trains-collide.htm\" rel=\"nofollow\">My One-track Brain - Trulia &amp; Zillow Trains Collide</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_01:33:35", "killed": false, "user_key": "2d74d1182599aacf4da52f9537248ff3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/06/2009 10:33 PM", "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}, "12487621": {"up_voted": false, "ip": "", "has_replies": false, "message": "How the Government can Fix the \u201cForeclosure Crisis\u201d \u2014 The Phoenix ... <a href=\"http://tinyurl.com/rasrq6\" rel=\"nofollow\">http://tinyurl.com/rasrq6</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_08:49:40", "killed": false, "user_key": "eb6710f71074e89f7456d35b385516e4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 05:49 AM", "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}, "12487622": {"up_voted": false, "ip": "", "has_replies": false, "message": "How the Government can Fix the \u201cForeclosure Crisis\u201d \u2014 The Phoenix ... <a href=\"http://tinyurl.com/rasrq6\" rel=\"nofollow\">http://tinyurl.com/rasrq6</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_08:23:29", "killed": false, "user_key": "11280708aee2a3dea533fcc79712b6ea", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 05:23 AM", "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}, "12487623": {"up_voted": false, "ip": "", "has_replies": false, "message": "Completely agree and wonder if the government interference will prolong the pain in the effort to appear that they are helping.  Pulling a band-aid slowly may seem like it doesn't hurt as much but the time of pain is actually longer.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Mike Rohrig&#180;s last blog post..<a href=\"http://feedproxy.google.com/~r/MikeOnPortlandRealEstate/~3/IC-W2ONSQEo/\" rel=\"nofollow\">In Short Sales The Patient Buyer Often Wins</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_02:46:09", "killed": false, "user_key": "70445b376d2d64fc54c0b94605c09742", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/06/2009 11:46 PM", "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}, "12487624": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jay, I love to disagree but I can't. Let the prices fall or the living wage rise. It is really too late for the government to step in and offer some protection to the people. The lobbyist took care of that before the bubble set sail. Now unlike your other libertarian friend and unlike the solid right wing republican, I beleive government has certain responsibilities and we have certain entitlements as a society. But, the government has failed us and on this issue you are right.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_07:52:44", "killed": false, "user_key": "e7dbdc727c8d4d97a846a4be14e8474e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 04:52 AM", "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}, "12487625": {"up_voted": false, "ip": "", "has_replies": false, "message": "Doing nothing more to support the housing market may make sense.  That is not the same thing as doing nothing though.  It would be a very different world today if nothing had been done.  Banks innately require regulation (runs on banks cannot be handled solely by the market effectively).  But yes the government trying to make the consequences of bad investments is not wise in general.  Those that make bad choices should suffer their losses and be more careful in the future.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>John Hunter&#180;s last blog post..<a href=\"http://investing.curiouscatblog.net/2009/06/05/usa-unemployment-rate-jumps-to-94/\" rel=\"nofollow\">USA Unemployment Rate Jumps to 9.4%</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_09:09:56", "killed": false, "user_key": "38c1b8d6765d08f9c6cabb7c999a3401", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 06:09 AM", "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}, "12487626": {"up_voted": false, "ip": "", "has_replies": false, "message": "Amen, however then we must look at real estate which has always operated with Government intervention. Easy loans has always been part of the deal for Vets, and other groups. And what about taxes?Take away the tax break and why buy? Its a hard argument to win. The $8k going on right now? Nothing free market about that. <br>Every crisis brings in more intervention that we collectively accept or cannot do anything about.  And now this meddling will somehow be accepted in future generations. I trust people who have to balance a checkbook before I trust a government who has no idea about the consequences of non efficiency.<br> Certainly intervention is not new. Its just in the past 8 months or so it has sunk to a new low . The bailout was nothing more than political thank yous for a job well done just months before. As the Gov gets in the car business we are already hearing stories of corruption as politico friends curiously win contracts and keep dealerships as other often more successful enterprises are exterminated. Competition and profit motive gets replaced by payoffs and favors.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_09:49:10", "killed": false, "user_key": "ad21472f7d115859c0b82088e137c7a3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 06:49 AM", "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}, "12487627": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jay, you are a capitalist and I'm with you!  Ups and Downs, Supply and Demand, all are normal for any product or service including housing.  If they just stayed out of the way, this whole thing would work itself out......like it always has in the past.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Jacksonville Real Estate Agent - Brad Officer&#180;s last blog post..<a href=\"http://feedproxy.google.com/~r/BradOfficer/~3/9dMxO25Q_yM/\" rel=\"nofollow\">Jacksonville Homes For Sale - Price Slashing</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_10:48:13", "killed": false, "user_key": "1floridawaterfront1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "06/07/2009 07:48 AM", "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}, "12487628": {"up_voted": false, "ip": "", "has_replies": false, "message": "Houses prices will always work themselves out in the long run.  Some times they will be over priced and other times they will be under priced and every once in a while they will reflect true value.<br>It is to bad that the philosophy of everyone should own a house controlled the market for a good period of time. That led to this so called mortgage crisis. People who could not afford a home where given mortgages when they should not have been.  Government, please stay out of the market.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Hoss&#180;s last blog post..<a href=\"http://free-financial-money-magazine.blogspot.com/2009/06/financial-statements-explained.html\" rel=\"nofollow\">Financial Statements Explained</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_11:21:52", "killed": false, "user_key": "75150d66878fab5e46f5349be454e918", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 08:21 AM", "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}, "12487629": {"up_voted": false, "ip": "", "has_replies": false, "message": "Tim I agree with you on the gov intervention for the most part always been there. Veterans get a little more favorable loan for a fee (service) FHA  is an insured loan that the feds created and has worked well. The borrower contributes money in the form of insurance premiums. I am good with that type of intervention, but giving away money is not the same.<br><br>Feds, taking over the auto, can you say yugo? I think they should put them on the selling block and allow free enterprise to deal with it.<br><br>Jim I prefer the word expectations rather than entitlement. I think we agree just use a different word for it.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>rob aubrey&#180;s last blog post..<a href=\"http://3poundsofrealestate.com/2009/05/31/wahoo-we-are-somebody/\" rel=\"nofollow\">Wahoo We Are Somebody</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_11:32:37", "killed": false, "user_key": "72eeff587670aee6f33246e85c24daa2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 08:32 AM", "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}, "12487630": {"up_voted": false, "ip": "", "has_replies": false, "message": "As the article states, the government should have no hand in how certain businesses are run (all businesses for that matter).  I believe in capitalism, and that if a company fails, the company should fail.  Sometimes people just have to realize that we learn from failures, and that sometimes, failure is needed in order to grow and prosper.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_16:26:57", "killed": false, "user_key": "25322417a267cba2c36b23f2e7dd36c4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 01:26 PM", "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}, "12487631": {"up_voted": false, "ip": "", "has_replies": false, "message": "I think that the govt should follow through with the plan to sell the toxic assets so that the banks can start lending again and thus creating demand for these foreclosed homes. It is a surefire way of getting things moving once again.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Halifax Real Estate&#180;s last blog post..<a href=\"http://halifaxrealestatebroker.com/2009/06/04/back-from-the-exit-realty-canadian-franchisee-conference/\" rel=\"nofollow\">Back from the EXIT REALTY Canadian franchisee conference</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_20:28:48", "killed": false, "user_key": "6bb75a99c8ac4826c0d965e410ea0da1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 05:28 PM", "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}, "12487632": {"up_voted": false, "ip": "", "has_replies": false, "message": "Talk about hitting the nail on the head!  This is so dead on.  Now if we could get get the administration to read it.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Dean Ouellette&#180;s last blog post..<a href=\"http://deansellsaz.com/wp-content/gallery/edgewater-unit101/tempe-edgewater-condo-101-pool.jpg\" rel=\"nofollow\">tempe-edgewater-condo-101-pool.jpg</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_23:03:09", "killed": false, "user_key": "7216c284b2e145d9dbacaa52e0898cda", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 08:03 PM", "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}, "12487633": {"up_voted": false, "ip": "", "has_replies": false, "message": "3 Cheers for Laissez-faire, Laissez-faire, Laissez-faire<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Kevin Curtis&#180;s last blog post..<a href=\"http://www.minnesotapropertiesonline.com:80/blog/twitter-and-real-estate.html\" rel=\"nofollow\">Twitter and Real Estate</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_23:27:55", "killed": false, "user_key": "9a307f9daf01526bacb2d0a6ca5c3736", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 08:27 PM", "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}, "12487634": {"up_voted": false, "ip": "", "has_replies": false, "message": "I believe that sooner or later the Federal Government will overcome this problem of \" Foreclosure Crisis\". As we have seen in recent past that Obama Administration has not only introduced but also sanctioned new packages to cope up with this Crisis.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_02:53:54", "killed": false, "user_key": "74e34aa8340824daf501e59f2be5104e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 11:53 PM", "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}, "12487635": {"up_voted": false, "ip": "", "has_replies": false, "message": "How the Government can Fix the \u201cForeclosure Crisis\u201d \u2014 The Phoenix ... <a href=\"http://tinyurl.com/rasrq6\" rel=\"nofollow\">http://tinyurl.com/rasrq6</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_23:42:06", "killed": false, "user_key": "0a63d71fe1aff80b9b178b0483c6a21c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 08:42 PM", "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}, "12487636": {"up_voted": false, "ip": "", "has_replies": false, "message": "How the Government can Fix theForeclosure Crisis The Phoenix Real ...: As one who sells real estate for a living.. <a href=\"http://tinyurl.com/rasrq6\" rel=\"nofollow\">http://tinyurl.com/rasrq6</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-07_10:31:20", "killed": false, "user_key": "002d7433488a43e1ddf2e948a16b2f19", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/07/2009 07:31 AM", "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}, "12487637": {"up_voted": false, "ip": "", "has_replies": false, "message": "Now that all the bailouts are done I am wondering if all this government borrowing is going to lead to massive massive inflation.    The last I read 50 cents of every dollar spent this year by the government is borrowed.    It also seems like the last few government debt auctions have not gone that well.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_05:12:02", "killed": false, "user_key": "08d14b3e03d46f1942c2f090c7fd7b97", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 02:12 AM", "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}, "12487638": {"up_voted": false, "ip": "", "has_replies": false, "message": "The Law of Unintended Consequences came into play when the Veterans Administration outsourced handling of their foreclosures.  The year and a half or so it took for the separate contractors to get those homes out on the market by mid-late 2006 certainly did not help things.<br><br>Oh, Jay - you're link's broke on your Inman comment from this morning.  Gets you here, but to a \"404 Error\" page....<br><br>Navy Chief, Navy Pride<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Joe&#180;s last blog post..<a href=\"http://www.augustalistingexpert.com/Blog/Tax-Credit-Authorized-for-1st-Time-Homebuyers\" rel=\"nofollow\">Tax Credit Authorized for 1st Time Homebuyers</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_10:11:54", "killed": false, "user_key": "JoeLoomer", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "06/08/2009 07:11 AM", "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}, "12487639": {"up_voted": false, "ip": "", "has_replies": false, "message": "I do not know how but should.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_10:52:41", "killed": false, "user_key": "a015669cf7275b2b2f25c698e207d097", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 07:52 AM", "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}, "12487640": {"up_voted": false, "ip": "", "has_replies": false, "message": "I like to call it Darwinism Economics.  Survival of the fittest.  Nobody bails my little real estate company out.  We all are trying to keep our heads above water.  Saw everyone else milking the system and tried to get my piece of the action and do note modification on my Coolidge rental that has lost 50% value.  I continue to make payments, lender said they could not help me because I was investor.  It's ok for them to sell houses in areas lower than they need to which hurts the people holding.  Told them they had no problems loaning to investors during the boom.  They said I could do a short sale.  Crazy logic, instead of  reducing the principal by $20,000 and lowering the rate a tad they would rather lose 50% on a short sale.  I can't even get close to figuring that out.  Drives me insane.  If you think the government can do anything just walk into any post office any time of day and see the anger in workers faces, long lines, poor service.  How about trying to pick up the phone right now and call the IRS.  Need I go on.  I have a new motto for America.  Do nothing get everything, do everything get nothing.  People like us make the world go round.  We don't milk the system for anything.  No matching 401k, health care, unemployment.  Yet we pay the highest taxes and keep the country running.  Something to ponder when you are sweating your ass off today showing Bob an Betty houses all over the valley.  You realtors have it made.  Making all that money and hardly working.  Yea right.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_11:32:55", "killed": false, "user_key": "59bbaf40726c92893d245ac6d8031488", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 08:32 AM", "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}, "12487641": {"up_voted": false, "ip": "", "has_replies": false, "message": "Great post and I'm glad to see someone in the real industry industry arguing so eloquently for doing nothing. <br>There seems to be a perception that if people lose their home to foreclosure that they're out on the streets. I don't see much evidence that this is happening. In fact, they're moving into rental properties where they have a much less onerous housing payment, and probably a great deal stress. Their credit's shot, but that's only for a finite time period, and frankly, reined-in credit for these folks is probably a good thing. Meanwhile, the foreclosed properties are slowly but surely get sopped up by folks who can finally afford to buy.  Seems the market's largely working as intended.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Tim Johnson&#180;s last blog post..<a href=\"http://www.relocation.com/blog/that-guaranteed-moving-quote-might-not-be-so-guaranteed\" rel=\"nofollow\">That \u2018Guaranteed\u2019 Moving Quote? Well, Things Have Changed\u2026</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_12:18:40", "killed": false, "user_key": "38c9c1141e06617825d44b4a7ac3a8ae", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 09:18 AM", "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}, "12487642": {"up_voted": false, "ip": "", "has_replies": true, "message": "Jay, The little bit of federal and state tax credits briefly gave the lower end market here a big boost. Now with the interest rates rising I have already seen a slowdown. Nobody is asking for handouts, we all realize this will take hard work and a long time to sort it self out but just a little help form the Gov't sure goes a long way in some markets", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_15:05:40", "killed": false, "user_key": "c5f0001169455e5efcbfeffbf8604de3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 12:05 PM", "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}, "12487643": {"up_voted": false, "ip": "", "has_replies": false, "message": "Bruce - <br><br>No one is asking for handouts? Just about every financial institution east and west of the Mississippi wants a bail out.<br><br>The governments involvement extends way beyond tax credits.  Bailouts, the all but failed <a href=\"http://www.hopenow.com/\" rel=\"nofollow\">Hope Now program</a>, mucking about in appraisal practices, <a href=\"http://www.phoenixrealestateguy.com/phoenix-to-offer-15000-loans-to-purchase-foreclosed-homes/2059\" rel=\"nofollow\">silly and worthless \"plans\" to help people buy foreclosures</a>. When is it going to stop?", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_15:17:15", "killed": false, "user_key": "c00ab99ed7fe734e109c672a200915dc", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 12:17 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 12487642, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "12487644": {"up_voted": false, "ip": "", "has_replies": false, "message": "From reading the many responses here, I would say there is a lot of self serving pre-conceived ideas as to how we got where we are today. I know a lot of VA and FHA borrowers that were very careful and thoughtful in the purchase of their home. Today, like my own income, they find themselves out of work or making much less than they did when they signed for the loan. <br><br>I find the homes that caused the problem were not the ones that were given loans because the banks were told to stop the red lining practice but, individuals like the one who made the comment; \"Saw everyone else milking the system and tried to get my piece of the action and do note modification on my Coolidge rental that has lost 50% value.\"<br><br>Call it whatever you want. The government failed us. We had one of the individuals in charge say it was \"irrational exuberance\" while the top dog declared home ownership at the highest level under his watch. And, all the time the lobbyists were set out to change the bankruptcy laws. Me?<br><br><a href=\"http://www.youtube.com/watch?v=-xmKBf8QWsA\" rel=\"nofollow\">http://www.youtube.com/watch?v=-xmKBf8QWsA</a><br><br>I'm not above........", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_16:01:31", "killed": false, "user_key": "4d60b2e24ba9da6c50c235607a0aa532", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 01:01 PM", "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}, "12487645": {"up_voted": false, "ip": "", "has_replies": false, "message": "All I can say is somebody please, ban the short sales.  Nobody around Northern New Jersey seems to know what they are doing when it comes to listing them anyway.  Still running into agents who are listing homes for sale short sale, when the home owner has not even filed any paperwork with the bank to even start the process.  What a drag.<br><br>As always Jay, a well written piece of real estate market opinion.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_17:47:36", "killed": false, "user_key": "4df49f0c7af57e06e6663c92a3be79a2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 02:47 PM", "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}, "12487646": {"up_voted": false, "ip": "", "has_replies": false, "message": "Just reform the system to keep thieves and swindlers in check, then let the market do everything naturally.  History has proven that a government is better of lightly touching an economy with policy to keep it stable, rather than completely take it over and make it inefficient.  Unfortunately for us the last president didn't want any oversight of anything, which is the exact opposite problem and causes businesses to become organized crime vessels.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Portland Real Estate&#180;s last blog post..<a href=\"http://mportlandrealestate.com/2009/06/06/red-tail-golf-course-sw-portland/\" rel=\"nofollow\">Red Tail Golf Course: SW Portland</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_17:48:27", "killed": false, "user_key": "89c59eb6cfde43a355ec029285039b67", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 02:48 PM", "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}, "12487647": {"up_voted": false, "ip": "", "has_replies": false, "message": "Agree with your sentiment Jay - \"let the economic laws and market dynamics play out\". Unfortunately a \"crisis\" is too much for politicians, policy makers and bureaucrats to not take full advantage of for their own gains.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_19:04:19", "killed": false, "user_key": "ffa18c88cbc69b66766c56faffad2bbf", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 04:04 PM", "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}, "12487648": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jay, you make fine points, and you went all the way back to Adam Smith! Remember Adam didn't anticipate labor unions so maybe we can have some modification on his economic theories. I would agree with you up to a point, but I do think that the government having programs to fix mortgages at an affordable rate, is like the government becoming a short sale specialist. I know the distrust in government folks out their will see this as a left wing conspiracy, but after TARP, shouldn't something be done for the homeowner? Le cat is out of le bag.<br><br>&lt;<a href=\"http://abbr%3E%3Cem%3E%3C/em%3E%3C/abbr%3E%3Cabbr%3E%3Cem%3EJoePryor.com\" rel=\"nofollow\">abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>JoePryor.com</a> Oklahoma Investment Realtor&#180;s last blog post..<a href=\"http://joepryor.com/2009/06/07/oklahoma-city-real-estate-ahs-appraisal-problems-too/\" rel=\"nofollow\">Oklahoma City real estate has appraisal problems too</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_19:09:14", "killed": false, "user_key": "f4db1ce246a0f3ea2600be809f9f4033", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 04:09 PM", "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}, "12487649": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jay, if you're going to say something this wise, you need to make sure people read it.  Shout this from the top of Camelback!<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Steve&#180;s last blog post..<a href=\"http://arizonarealestatehome.com/tempe-homes-for-sale/85284/342500-224-w-calle-monte-vista-drive-tempe-az-85284\" rel=\"nofollow\">$342,500 :: 224 W Calle Monte Vista Drive, Tempe AZ, 85284</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_20:01:03", "killed": false, "user_key": "50d42b72ff6b593276e2d0892eeb7699", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 05:01 PM", "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}, "12487650": {"up_voted": false, "ip": "", "has_replies": true, "message": "A few words on economic theory.....<br><br>The invisible hand really does not exist. <br>The Wealth of Nations was written in a time when slavery was one of the largest industries in America. It was written before we had a stock market, 150 years before there was ever a major stock market crash. <br>People very seldom act with rational self-interest. <br>Supply &amp; Demand or General Equilibrium theory assume infinite amounts of capital, \"perfect knowledge\" &amp; 100% market access. None of which has ever actually existed.<br><br>The absolute most important economic consideration for a working free market economy is RISK!!!!!<br><br>Risk is what is supposed to set your rates of return. Risk is what is supposed to set your costs of borrowing and levels of lending. <br><br>What should the government do?<br>Bust all the large financial institutions into thousands of small banks. Large institutions have too much sway in access to capital, investment pricing &amp; they skew risk in crazy ways.<br>The government should also invest tons &amp; tons of money in national infrastructure. <br><br><br>What I'd really like to see is voiding every CDO, CDS, MBS and any mortgage insurance policy held by any financial institution with a government stake &amp; offer every available title over on a nationwide online auction or \"Oklahoma land-rush\" style lottery. Yee-Haw.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_22:55:33", "killed": false, "user_key": "c2052f136721764abbb38b4adda6dca1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 07:55 PM", "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}, "12487651": {"up_voted": false, "ip": "", "has_replies": false, "message": "\"The Wealth of Nations was written in a time when slavery was one of the largest industries in America. It was written before we had a stock market, 150 years before there was ever a major stock market crash.\"<br><br>So was the Constitution.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_23:12:42", "killed": false, "user_key": "c00ab99ed7fe734e109c672a200915dc", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 08:12 PM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 12487650, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "12487652": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hit the nail on the head with this one!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-08_23:42:35", "killed": false, "user_key": "d2752c4ab7b1d75e8040fe89681d5461", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 08:42 PM", "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}, "12487653": {"up_voted": false, "ip": "", "has_replies": false, "message": "@Jay - I agree with some items in your post, but completely disagree with your conclusion that government should stay out of it. In addition I would like to step up to your challenge of suggesting a fix to the foreclosure problem. I feel that the depth I would need to go into would be best as a post rather than a simple comment. I have emailed you about making a guest post on the topic to be posted to your blog.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>James Wheelock&#180;s last blog post..<a href=\"http://springtexashomesforsale.com/173900-25318-powerline-pass-dr-spring-tx-77373-2/\" rel=\"nofollow\">$173,900 :: 25318 Powerline Pass Dr, Spring TX, 77373</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-09_00:21:50", "killed": false, "user_key": "2357e2c149017aa441a5e34dbbc69efe", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 09:21 PM", "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}, "12487654": {"up_voted": false, "ip": "", "has_replies": false, "message": "I've become very uncomfortable with the idea of the federal and state governments manipulating the local housing markets.  I continue to believe that real estate is a local phenomenon, and umbrella intervention will likely do more harm than good.  We've had several rounds of foreclosure moratoriums (moratoria?), and another informal moratorium has apparently been imposed for California.  The result has been a dwindling supply of homes for sale in San Diego.  Prices are pushing up and overbidding has become the norm as buyers compete for the discounted distress sales.  There is talk of a backlog of foreclosure inventory, and we could really use more foreclosure properties on the market in San Diego right now.  It should be the local banks and local asset managers who decide when and how many foreclosure properties to release.  By looking at California as a whole, the policy makers are equating conditions in San Diego to conditions in Riverside Counties when in fact the markets could not be more different.  A responsible policy would be to spread out the administrative decision making over smaller regions to better account for and deal with local real estate market trends.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>La Jolla Homes&#180;s last blog post..<a href=\"http://www.sdrealtypros.com/blog/credit-san-diego-home-buyers/\" rel=\"nofollow\">$8000 San Diego Home Buyer Credit</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-09_02:37:44", "killed": false, "user_key": "ab6e96cadf3454b41004645fd0c415ab", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/08/2009 11:37 PM", "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}, "12487655": {"up_voted": false, "ip": "", "has_replies": false, "message": "Of course everything will self regulate, but do we have the time to wait? A regulation cycle may take 200, 500,1000 years, no one has really speculated with any proof on the length of naturally occuring cycles. Kondratieff and co have only given intervals of time with no tangible proof.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-09_04:38:41", "killed": false, "user_key": "70557045e1af91afcda4bcac18358f00", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/09/2009 01:38 AM", "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}, "12487656": {"up_voted": false, "ip": "", "has_replies": false, "message": "Responded to this post, then ended up on doctorhousingbubble.  If even half of his datum are correct on his post - then it's simply impossible to do nothing.  That or make the banks eat it - which will probably result in the demise of Wells Fargo if not other major banks.   Not saying that's completely a bad thing - but the \"as sad as that is\" you mention will be very dire indeed.<br><br>Navy Chief, Navy Pride<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Joe&#180;s last blog post..<a href=\"http://www.augustalistingexpert.com/Blog/Tax-Credit-Authorized-for-1st-Time-Homebuyers\" rel=\"nofollow\">Tax Credit Authorized for 1st Time Homebuyers</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-09_08:02:28", "killed": false, "user_key": "JoeLoomer", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "06/09/2009 05:02 AM", "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}, "12487657": {"up_voted": false, "ip": "", "has_replies": false, "message": "Jay - I generally agree with you and would prefer less government intervention. The one thing to keep in mind is that it was government \"fixes\" that got us here in the first place, including, but hardly limited to:<br>1) 250/500k tax credit which incentivized speculation instead of ownership<br>2) bank deregulation (specifically the financial services and commodity futures modernization acts)<br>3) interest rate manipulation (after dot com bubble)<br>4) home interest tax deduction (govt incentive to own vs. rent)<br>So my question is to you... if doing nothing is the right choice, does that start now, and do we leave all the things that were already done in place? Or do we undo all the prior \"fixes\" too? Taking it to the extreme should we abolish the Fed as Andrew Jackson did, or perhaps just the Fed's ability to manipulate interest rates? Where do you draw the line?<br>Personally I've come to the conclusion that this bubble is too big not to fix. Unfortunately I don't think we have the political will at this point to do what will ultimately be necessary. I've written up my take on a fix at <a href=\"http://foreclosuretruth.com\" rel=\"nofollow\">foreclosuretruth.com</a>.<br>Best,<br>Sean<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Sean OToole&#180;s last blog post..<a href=\"http://www.foreclosuretruth.com/blog/sean/twelve-percent-mortgages-now-past-due-foreclosure-clearly-not-problem-anymore\" rel=\"nofollow\">Twelve percent of mortgages now past due - foreclosure is clearly not the problem anymore</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-09_18:52:28", "killed": false, "user_key": "c76c871cd7d6860a4409038b42b8049a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/09/2009 03:52 PM", "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}, "12487658": {"up_voted": false, "ip": "", "has_replies": true, "message": "Sean what 250/500 k tax credit are you talking about? Do you mean 250/500 tax exemption.<br><br>While it may appear as an intervention, I view that as removing a punitive tax.  Now I realize the system gets manipulated, but people should not be taxed for gaining equity in a primary residence. Typically their equity was built with after tax earnings (barring interest deductions).<br><br>Rate manipulation will give false values and stop prices in some areas from going down some. But if the rates go up a little to quickly there will be a new group of homeowners upside down. I am quite sure that was  not the plan but...<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>rob aubrey&#180;s last blog post..<a href=\"http://3poundsofrealestate.com/2009/05/31/wahoo-we-are-somebody/\" rel=\"nofollow\">Wahoo We Are Somebody</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-09_19:33:58", "killed": false, "user_key": "72eeff587670aee6f33246e85c24daa2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/09/2009 04:33 PM", "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}, "12487659": {"up_voted": false, "ip": "", "has_replies": false, "message": "In the long run, it seems as though the government is contributing in creating a spoiled society. If people are used to being bailed out all the time, it really doesnt fix anything. I tend to agree, economic problems tend to NATURALLY work themselves out in time. But,, I do think that a way that may help is loan modifications. I dont believe bail out money is the answer. I personally feel that loan mods might be a healthy step that wouldnt hurt. Any suggestions on that?? Thanks for the article.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Brewer Caldwell&#180;s last blog post..<a href=\"http://www.brewercaldwellinvestmentproperties.com/2008/12/18/brewer-caldwell-is-the-best/\" rel=\"nofollow\">Brewer Caldwell is the BEST</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-09_19:49:20", "killed": false, "user_key": "b5c7ea487be5784013815ccbfdaa6196", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/09/2009 04:49 PM", "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}, "12487660": {"up_voted": false, "ip": "", "has_replies": false, "message": "I agree, let this unfold naturally but that would just make too much sense.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Brantford Real estate&#180;s last blog post..<a href=\"http://www.brantfordrealestateguy.com/brantford-real-estate/save-payment/\" rel=\"nofollow\">How to Save up for a Down Payment</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-09_21:00:27", "killed": false, "user_key": "91b39101125bb9827fa90f1f4e2a92ee", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/09/2009 06:00 PM", "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}, "12487661": {"up_voted": false, "ip": "", "has_replies": false, "message": "I appreciate the concern which is been rose. The things need to be sorted out because it\u2019s not about the individual but it can be with everyone.I do think that a way that may help is loan modifications. I dont believe bail out money is the answer. I personally feel that loan mods might be a healthy step that wouldnt hurt.<br><br><a href=\"http://www.bikeintercom.com/products/ridemate.htm\" rel=\"nofollow\">Bluetooth Motorcycle Intercom</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-10_03:35:03", "killed": false, "user_key": "8bfe6c508c78c6b085e8e16b75f46005", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/10/2009 12:35 AM", "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}, "12487662": {"up_voted": false, "ip": "", "has_replies": false, "message": "Yep, meant exemption, not credit. I disagree that taxable equity is built with after tax earnings. Only gains above the original purchase price are taxable, and its impossible to create gains with after tax earnings by definition (sorry making payments on debt isn't what creates appreciation).<br><br>If we continue to allow these gains to be TAX FREE, then we incentivize people to speculate with their primary residence. This is going to have serious long term consequences as baby boomers have been encouraged to play monopoly rather than pay down debt. Boomer's parents largely entered retirement in free and clear homes, while baby boomers are approaching that life event loaded with mortgage debt. It is a coming disaster that most haven't realized yet.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Sean OToole&#180;s last blog post..<a href=\"http://www.foreclosuretruth.com/blog/sean/twelve-percent-mortgages-now-past-due-foreclosure-clearly-not-problem-anymore\" rel=\"nofollow\">Twelve percent of mortgages now past due - foreclosure is clearly not the problem anymore</a></em>&lt;/abbr&gt;", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-10_11:39:20", "killed": false, "user_key": "c76c871cd7d6860a4409038b42b8049a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/10/2009 08:39 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 12487658, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "12487663": {"up_voted": false, "ip": "", "has_replies": false, "message": "Just commented on Jay Thompson's blog: <a href=\"http://tinyurl.com/rasrq6\" rel=\"nofollow\">http://tinyurl.com/rasrq6</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-10_02:10:53", "killed": false, "user_key": "e260dd47c03ddcd05187b46632cdd2a4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/09/2009 11:10 PM", "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}, "12487664": {"up_voted": false, "ip": "", "has_replies": false, "message": "Couldn't have said it better myself-letting it work itself out is the best. It seems to me that by \"bailing out\" everyone, we are just simply artificially keeping everything higher than it should be and eventually it will come down, no matter how much money we throw at it. Supply and Demand is far stronger than any billions of bailout and we should just let it do its magic.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-10_19:03:14", "killed": false, "user_key": "7660558429f9942bd0f95a4af774112a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/10/2009 04:03 PM", "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}, "12487665": {"up_voted": false, "ip": "", "has_replies": false, "message": "Loan modification, with a significant reduction in principal balance to within 10% of market value, done voluntarily by the lender to borrowers with sufficient income, is a step in the right direction.  Otherwise, the do-nothing approach may be the best strategy.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Marty Boardman&#180;s last blog post..<a href=\"http://freerealestateeducation.wordpress.com/2009/06/10/foreclosure-2-0-mortgage-running/\" rel=\"nofollow\">Foreclosure 2.0:  Mortgage Running</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-10_22:53:24", "killed": false, "user_key": "41eaa6ee0b9822c836e6f19e5c365f6b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/10/2009 07:53 PM", "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}, "12487666": {"up_voted": false, "ip": "", "has_replies": false, "message": "Amen!  You make several great points here.  Like Sean OToole said, relying on the government to get us out of this mess seems ridiculous when you consider all the things the government did to land us in this mess in the first place.  Another great post!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_01:06:40", "killed": false, "user_key": "1c3d8f4ab6630b55f5bba9437213070b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/10/2009 10:06 PM", "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}, "12487667": {"up_voted": false, "ip": "", "has_replies": true, "message": "Loan Modifications? What is that? Some sort of Orwellian doublespeak? Whatever happened to, \"say what you mean, mean what you say\"? A modificaton to a loan is an adjustment on the interest rate or length of time to the terms. It is not a forgiveness of debt. We now have a bunch of weasles threatening banks that they will walk if they can't get their own way. I say let them walk and the credit report will follow.  Stupid has risen to it's own level of Stupid.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_08:02:46", "killed": false, "user_key": "4d60b2e24ba9da6c50c235607a0aa532", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 05:02 AM", "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}, "12487668": {"up_voted": false, "ip": "", "has_replies": true, "message": "Perhaps Gregory, but lets be clear the \"stupidest of all\" were those who believed real estate only goes up, and therefore thought it was a good idea to make loans for more than double the intrinsic value of properties. The reality is that we have $4 Trillion in excess mortgage debt in this country, that borrowers simply don't have the ability to repay, and it is now choking our economy and hurting everyone. How long should we all suffer for the mistakes made by Greenspan, politicians and banksters? If we are going to have bailouts, I'd personally rather bailout borrowers than banksters.<br><br>Many who came to this country actually did so to escape \"rentiers\" who used their land holdings to enslave and manipulate debtors. One could argue we've returned to that through mortgage debt. The original definition of \"free\" markets was actually to be free from these rentiers (includes not just landlords, but anyone who extracts income from holdings rather than production). Kills me to now see \"free markets\" misused to defend and bailout the rentiers while blaming the debtors.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Sean OToole&#180;s last blog post..<a href=\"http://www.foreclosuretruth.com/blog/sean/twelve-percent-mortgages-now-past-due-foreclosure-clearly-not-problem-anymore\" rel=\"nofollow\">Twelve percent of mortgages now past due - foreclosure is clearly not the problem anymore</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_11:26:27", "killed": false, "user_key": "c76c871cd7d6860a4409038b42b8049a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 08:26 AM", "approved": true, "num_replies": 1, "is_first_child": true, "email": "", "parent_post_id": 12487667, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "12487669": {"up_voted": false, "ip": "", "has_replies": false, "message": "Call it whatever you like...a loan modification or forgiveness of debt.  The discussion is about fixing the foreclosure crisis.  If a homeowner walks as you propose there will certainly be even more foreclosures on the horizon.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Marty Boardman&#180;s last blog post..<a href=\"http://freerealestateeducation.wordpress.com/2009/06/10/foreclosure-2-0-mortgage-running/\" rel=\"nofollow\">Foreclosure 2.0:  Mortgage Running</a></em>&lt;/abbr&gt;", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_11:27:40", "killed": false, "user_key": "41eaa6ee0b9822c836e6f19e5c365f6b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 08:27 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 12487667, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "12487670": {"up_voted": false, "ip": "", "has_replies": false, "message": "Sean and Marty, I am more in your camp than you may think. And, I do beleive there are workable solutions to the economic problems we face that require our government to fix. It just yanks my shorts to hear the political correct soft words rather than calling a spade a spade. The problems with getting anything done is the twisting of the language to call rain liquid sunshine. The ones I am angry with are the ones that \" \u201cSaw everyone else milking the system and tried to get my piece of the action \" - let them walk.<br><br>I've been hurt more by this foolishness because I didn't try to get in on the action. I sold homes to people who could afford to buy them and put money aside in a 401K so there would be a safety net for me and my family. I didn't realize the white collar MBA criminals were going to wipe me out along with those that over extended themselves with homes they could not afford.<br><br>Well, at least I get to watch Trump say \"you're fired\" on cable TV at night.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-11_13:44:31", "killed": false, "user_key": "e7dbdc727c8d4d97a846a4be14e8474e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 10:44 AM", "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}, "12487671": {"up_voted": false, "ip": "", "has_replies": false, "message": "I remember sitting with a lender almost three years ago for a personal investment property.  He was trying to convince me that a negative amortization loan was the way to go if I were a serious investor since real estate appreciates at 6% a year, the interest rates were 6% and I could make 10-15% investing the payment difference in the stock market.  <br><br>Luckily I didn't go that route but there are many who did, especially when it was framed as the way to go for sophisticated investors!<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Derec&#180;s last blog post..<a href=\"http://feedproxy.google.com/~r/MileHighUrbanLiving/CVlO/~3/kLJeii9Bzw8/energy-audits-for-your-metro-denver-home-from-xcel.html\" rel=\"nofollow\">Energy Audits for Your Metro Denver Home from Xcel</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-12_01:16:21", "killed": false, "user_key": "6126058ca72aa8d1f23641faa7469c3a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/11/2009 10:16 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 12487668, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "12487673": {"up_voted": false, "ip": "", "has_replies": false, "message": "I belive you are right-items like this, where it is based on supply and demand, work themselves out quite nicely when just left alone.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-15_00:52:41", "killed": false, "user_key": "bc90cc93ad76e883f27d3a4ea77dc0c1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/14/2009 09:52 PM", "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}, "12487674": {"up_voted": false, "ip": "", "has_replies": false, "message": "Letting the economy ride itself out is one if the smartest bits of economic advice I have heard out there-it is one Dave Ramsey is pushing for, along with other economic \"pros\"-and in the long run, it looks like no matter the amount of bailouts given, the economy is going to do what it has to do-either now or later-but it will happen.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Leon Blenky-Miami Beach Luxury Homes&#180;s last blog post..<a href=\"http://blog.sunnyislesmiamirealestate.com/sunny-isles-real-estate/acqualina-condo-hotel-in-sunny-isles-beach-presents-great-wine/\" rel=\"nofollow\">Acqualina Condo Hotel In Sunny Isles Beach Presents Great Wine Tasting</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-15_02:14:18", "killed": false, "user_key": "7660558429f9942bd0f95a4af774112a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/14/2009 11:14 PM", "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}, "12487675": {"up_voted": false, "ip": "", "has_replies": false, "message": "The economy is a circular cycle and recession is just a part of it. So, one of these days the economy will definitely get better whether we like it or not. And even if we don't do anything about it.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-17_12:19:16", "killed": false, "user_key": "f281fc27033638da2397cba54a4754e2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/17/2009 09:19 AM", "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}, "12487676": {"up_voted": false, "ip": "", "has_replies": false, "message": "I agree with you; the economy will take care of itself if we allow it to just work out the supply and demand ratio. And no matter what we do to try to \"fix\" it, the economy will do what it needs to do to get healthy, regardless of bailouts.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-22_16:59:46", "killed": false, "user_key": "b48e96573c5193aad67b2a7cf3b51169", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/22/2009 01:59 PM", "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}, "12487677": {"up_voted": false, "ip": "", "has_replies": false, "message": "Great post Jay.<br><br>It doesn't really matter if the government fixes the problem or not, given time, the real estate market will improve due to the equilibrium between supply and demand that you explained. Just have to bare the economic pain until that time.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Aaron&#180;s last blog post..<a href=\"http://rainwatertanksinadelaide.com.au/metal-rainwater-tanks-in-adelaide\" rel=\"nofollow\">Metal Rainwater Tanks in Adelaide</a></em>&lt;/abbr&gt;", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-08_20:13:21", "killed": false, "user_key": "390724b0aedce24dc90d1994baaab2cf", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "07/08/2009 05:13 PM", "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": "", "theme": 4, "reply_position": false, "disqus_logo": false}, "timer": {"timer_url": "http://localhost:8005", "thread_id": "25012148", "user_id": "anonymous", "forum_id": "152356", "hash": 7895818601750515734}, "thread": {"days_alive": 0, "slug": "how_the_government_can_fix_the_foreclosure_crisis", "paginate": false, "num_pages": 1, "num_posts": 61, "per_page": 0, "total_posts": 0, "realtime_paused": true, "id": 25012148, "queued": false}, "reactions_limit": 10, "context": {"show_reply": true, "use_fb_connect": true, "forum_facebook_key": "b7c57e0bf778127562deb90a323ed0ec", "use_yahoo": true, "subscribed": false, "use_twitter_signin": true, "use_openid": true, "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"};
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// Dsq.FmtStrings





Dsq.CSRF_TOKEN = '4f0bfca82e06c976a1efdd7c783a5fd0';
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;



var FragmentPacket = function(reader, writer, writer_url, is_child, receiveCallback) {
	var that = this;
	this.reader = reader;
	this.writer = writer;
	this.writer_url = writer_url;

	this.is_child = is_child || false;
	this.receiveCallback = receiveCallback;

	this._lastHash = null;

	this._accumMsg = '';

	this._lastSeqno = 0;

	this.MAX_DATA_LEN	= 1024;

	this.WAIT_TIME		= 10;

	this.READY		= 0x1;
	this.WRITING	= 0x2;
	this.FIN		= 0x4;
	this.ACK		= 0x8;

};

FragmentPacket.prototype.createListener = function() {
	var that = this;
	var listener = function() {
		that.recv();
	};
	return window.setInterval(listener, 10);
};

FragmentPacket.prototype.log = function(msg) {



};

FragmentPacket.prototype.recv = function() {
	var hash;
	if (/MSIE/.test(navigator.userAgent)) {

		hash = this.reader.name;
	} else {

		var hashIndex = this.reader.location.href.indexOf('#');
		if (hashIndex == -1) {
			return;
		}
		hash = this.reader.location.href.substring(hashIndex+1);
	}
	var flags = parseInt(hash.substring(0, 4), 10);
	var seqno = parseInt(hash.substring(4, 24), 10);
	var data  = hash.substring(24);

	if (this._lastHash !== hash) {
		this._lastHash = hash;
		this.log('recv: ' + hash);

		this.log(' flags: ' + flags);
		this.log(' seqno: ' + seqno + ' len: ' + hash.substring(4, 24).length + ' (' + hash.substring(4, 24) + ')');
		this.log(' data: ' + data + ' len: ' + data.length);

		this._lastSeqno = seqno;

		if (flags & this.WRITING) {
			this._accumMsg += data;
			this.sendFlag(this.ACK, seqno);
			if (flags & this.FIN) {
				this.log('recv finished: ' + decodeURIComponent(this._accumMsg));
				this.receiveCallback(decodeURIComponent(this._accumMsg));

				this._accumMsg = '';

				this.sendFlag(this.READY | this.ACK, this._lastSeqno);
			}
		}
	}

	return {
		flags: flags,
		seqno: seqno,
		data: data
	};
};

FragmentPacket.prototype.sendRawPacket = function(packet) {
	if (/MSIE/.test(navigator.userAgent)) {
		this.writer.name = packet;
	} else {

		this.writer.location.href = this.writer_url + '#' + packet;
	}

};

FragmentPacket.prototype.sendFlag = function(flag, seqno) {
	this.sendRawPacket(this._zerofill(flag, 4) + this._zerofill(seqno, 20));
};

FragmentPacket.prototype.send = function(msg) {
	this._send(0, encodeURIComponent(msg));
};

FragmentPacket.prototype._send = function(packetNum, msg) {
	var that = this;
	var recvBuf = this.recv();

	if (packetNum === 0) {

		if (!(recvBuf.flags & this.READY)) {
			this.log('client is not ready, waiting...');
			window.setTimeout(function() { that._send(packetNum, msg); }, this.WAIT_TIME);
			return;
		}
	} else {

		if (!( (recvBuf.flags & this.ACK) && (recvBuf.seqno === this._lastSeqno) )) {
			this.log('waiting for ack from client...');
			window.setTimeout(function() { that._send(packetNum, msg); }, this.WAIT_TIME);
			return;
		} else {
			this.log('received ack: ' + this._lastSeqno + ' ' + recvBuf.seqno);
		}
	}

	var flags = this.WRITING;
	var num_packets = Math.ceil(msg.length / this.MAX_DATA_LEN);
	this.log('num_packets: ' + num_packets);

	if (num_packets === packetNum) {

		this.log('message successfully sent!');
		this.sendFlag(this.READY | this.ACK, this._lastSeqno);
		return true;
	}

	this._lastSeqno++;

	if (packetNum == num_packets-1) {
		flags |= this.FIN;
	}

	var data = msg.substring(packetNum * this.MAX_DATA_LEN, (packetNum+1) * this.MAX_DATA_LEN);
	var packet = this._zerofill(flags, 4) + this._zerofill(this._lastSeqno, 20) + data;

	this.log('sending raw packet: ' + packet);
	this.sendRawPacket(packet);

	return this._send(packetNum + 1, msg);
};

FragmentPacket.prototype._zerofill = function(num, width) {
	var retval = num.toString();
	var retval_len = retval.length;
	for (var i = 0; i < width - retval_len; i++) {
		retval = '0' + retval;
	}
	return retval;
};

var PostMessagePacket = function(receiver, receiveCallback, id, receiverId) {
	var that = this;
	this.receiver = receiver;
	this.receiveCallback = receiveCallback;
	this.id = id;


	this.receiverId = receiverId;
};

PostMessagePacket.prototype.createListener = function() {
	var that = this;

	var listener = function(e) {

		if (!that.id) {
			that.id = e.data;
			return;
		}


		var id = e.data.split(';')[0];
		if (id !== that.id) {
			return;
		}
		var data = e.data.substring(e.data.indexOf(';') + 1);

		that.receiveCallback(data);
	};

	if (typeof window.attachEvent == 'function') {
		window.attachEvent('onmessage', listener);
	} else if (typeof window.addEventListener == 'function') {
		window.addEventListener('message', listener, false);
	} else {
		throw new Error('No method found to create event listener for PostMessagePacket.');
	}
};

PostMessagePacket.prototype.send = function(msg) {



	var needs_reget = false;
	try {
		if (typeof this.receiver.id == 'undefined' || typeof this.receiver.postMessage == 'undefined') {
			needs_reget = true;
		}
	} catch(e) {


	}
	if (needs_reget && typeof this.receiverId != 'undefined') {
		this.receiver = document.getElementById(this.receiverId).contentWindow;
	}

	var packet;
	if (!msg) {

		packet = this.id;
	} else {
		packet = this.id + ';' + msg;
	}
	this.receiver.postMessage(packet, '*');
};

PostMessagePacket._last_unique_id = null;
PostMessagePacket._get_unique_id = function() {
	var id = (new Date()).getTime();
	if (id == PostMessagePacket._last_unique_id) {
		id++;
	}
	PostMessagePacket._last_unique_id = id;
	return id.toString();
};

var JsonRpc = function() {

	this.ids = {};

	this.objectToJSON = function(obj) {
		var json = '';
		var results = [];

		if (obj === undefined || obj === null) {
			return 'null';
		}

		switch (obj.constructor) {
			case Object:
				for (var property in obj) {
					if (obj.hasOwnProperty(property)) {
						results.push(this.objectToJSON(property) + ': ' + this.objectToJSON(obj[property]));
					}
				}
				json = '{' + results.join(', ') + '}';
				break;
			case Array:
				for (var i = 0; i < obj.length; i++) {
					results.push(this.objectToJSON(obj[i]));
				}
				json = '[' + results.join(', ') + ']';
				break;
			case Number:
			case Boolean:
				json = obj.toString();
				break;
			case String:

				var specialChars = {'\b': '\\b', '\t': '\\t', '\n': '\\n', '\f': '\\f', '\r': '\\r', '\\': '\\\\'};

				json = obj.replace(/[\x00-\x1f\\]/g, function(match) {
					var ch = specialChars[match];
					return ch ? ch : '\\u00' + match.charCodeAt().toPaddedString(2, 16);
				});

				json = '"' + json.replace(/"/g, '\\"') + '"';
				break;
			default:

				json = 'null';
				break;
		}

		return json;
	};

	this.createHandler = function(send_func, registered_funcs) {
		var that = this;
		var handler = function(message) {

			try {
				var rpc = eval('(' + message + ')');
			} catch(e) {
				alert('bad JSON: ' + message);
				return;
			}
			if (rpc.method) {

				if (!registered_funcs[rpc.method]) {
					return;
				}

				var retval = registered_funcs[rpc.method].apply(null, rpc.params);
				if (rpc.id) {
					var response = {
						result: retval,
						error: null,	// TODO
						id: rpc.id
					};
					send_func(that.objectToJSON(response));
				}
			} else if(rpc.result) {

				if (!that.ids[rpc.id]) {
					return;
				}

				that.ids[rpc.id](rpc.result);
				delete that.ids[rpc.id];
			}
		};
		return handler;
	};

	this.execute = function(send_func, method, params, response_callback) {
		response_callback = response_callback || null;
		var id = (response_callback) ? (new Date()).getTime() : null;

		var request = {
			method: method,
			params: params,
			id: id
		};

		send_func(this.objectToJSON(request));

		if (id) {
			this.ids[id] = response_callback;
		}
	};
};
JsonRpc = new JsonRpc();

var ParentMessenger = function(childUrl, receiverUrl, container, receiveCallback) {


	if (navigator.userAgent.indexOf('Safari') >= 0 && parseInt(navigator.userAgent.substring(navigator.userAgent.indexOf('Version/') + 8), 10) == 3) {
		throw new Error("unsupported.");
	} else if (window.opera) {
		throw new Error("unsupported.");
	}



	if (!receiverUrl &&
		navigator.userAgent.indexOf('Gecko') >= 0 &&
		parseFloat(navigator.userAgent.slice(navigator.userAgent.indexOf('rv:') + 3, navigator.userAgent.indexOf('rv:') + 6)) < 1.9) {
		throw new Error("unsupported.");
	}


	if (/msie/i.test(navigator.userAgent) && !/opera/i.test(navigator.userAgent)) {


		if (document.domain == window.location.hostname) {
			receiverUrl = '';
		}
	}

	var that = this;
	this.childUrl = childUrl;
	this.receiverUrl = receiverUrl;
	this.container = container || document.body;

	this.packetHandler = null;


	this._ready = false;
	this._error = false;


	var _createReceiverForFragmentPacket = function() {

		that.receiver = document.createElement('iframe');
		that.receiver.src = receiverUrl;
		that.receiver.id = 'receiver_' + (new Date()).getTime();
		that.receiver.name = that.receiver.id;

		that.receiver.frameBorder = '0';
		that.receiver.frameSpacing = '0';
		that.receiver.style.borderStyle = 'none';

		var receiver_onload = function() {
			var receiver = document.getElementById(that.receiver.id).contentWindow;

			try {
				receiver.document.body.innerHTML = '';
			} catch(e) {

				that._error = true;
			}
			receiver.document.body.style.padding = '0px';
			receiver.document.body.style.margin = '0px';

			var child = receiver.document.createElement('iframe');
			child.id = 'child';
			child.name = 'child';
			child.src = that.childUrl;

			child.frameBorder = '0';
			child.frameSpacing = '0';
			child.style.borderStyle = 'none';
			child.style.width = '100%';
			child.style.height = '100%';
			receiver.document.body.appendChild(child);

			that.child = receiver.document.getElementById('child').contentWindow;
			that.receiver = receiver;

			that.packetHandler = new FragmentPacket(that.receiver, that.child, that.childUrl, false, receiveCallback);

			that._listener = that.packetHandler.createListener();

			that.packetHandler.sendFlag(that.packetHandler.READY, 0);

			that._ready = true;
		};

		that.receiver.onreadystatechange = function() {
			if (this.readyState == 'complete') {
				receiver_onload();
			}
		};

		that.receiver.onload = receiver_onload;







		if (Dsq.Utils.ie) {
			if (that.container.clientWidth === 0) {

				var _waitForWidth = function() {
					if (that.container.clientWidth > 0) {
						Dsq.Utils.fixIframesIE(that.container.id);
					} else {
						window.setTimeout(_waitForWidth, 100);
					}
				};
				_waitForWidth();

				that._once = false;
				that.receiver.onresize = function() {
					if (!that._once) {
						Dsq.Utils.fixIframesIE(that.container.id);
					}
					that._once = true;
				};
			}
		}

		that.container.appendChild(that.receiver);
	};


	var _createReceiverForPostMessage = function() {

		var receiver_onload = function() {

			that.packetHandler.send();
			that._ready = true;
		};

		var id = PostMessagePacket._get_unique_id();
		var receiverId = 'child_' + id;


		ParentMessenger['_receiver_onload_' + receiverId] = receiver_onload;

		that.container.innerHTML += '<iframe ' +
			'src="' + childUrl + '" ' +
			'id="' + receiverId + '" ' +
			'name="' + receiverId + '" ' +
			'onload="ParentMessenger._receiver_onload_' + receiverId +'();" ' +
			'></iframe>';

		that.receiver = document.getElementById(receiverId).contentWindow;
		that.packetHandler = new PostMessagePacket(that.receiver, receiveCallback, id, receiverId);
		that._listener = that.packetHandler.createListener();
	};

	if (typeof window.postMessage == 'function') {
		_createReceiverForPostMessage();
	} else {
		_createReceiverForFragmentPacket();
	}

};

ParentMessenger.prototype.sendMessage = function(message) {
	var that = this;
	if (!this._ready) {

		window.setTimeout(function() { that.sendMessage(message); }, 10);
		return;
	}
	this.packetHandler.send(message);
	return true;
};

Dsq.NewFrames = function(url) {
	this.url = url;
};

Dsq.NewFrames.prototype.init = function(onFailure) {
	var that = this;

	try {
		this.messenger = new ParentMessenger(this.url, Dsq.jsonData.integration.receiver_url, this.container, this.receive_callback);
	} catch(e) {
		if (typeof onFailure == 'function') {
			onFailure();
		}
	}

	if (typeof onFailure == 'function') {
		var iId = window.setInterval(function() {
			if (typeof that.messenger == 'undefined') {
				window.clearInterval(iId);
				return;
			}
			if (that.messenger._ready) {
				window.clearInterval(iId);
			} else if (that.messenger._error) {
				window.clearInterval(iId);
				onFailure();
			}
		}, 10);
	}
};

Dsq.NewFrames.prototype._execute = function(method, args, callback) {
	var that = this;
	if (typeof that.messenger == 'undefined') {
		return false;
	}
	JsonRpc.execute(
		function(msg) { that.messenger.sendMessage(msg); },
		method,
		args || [],
		callback);
	return true;
};

Dsq.ReplyFrame = function(container, parent_post_id) {
	var that = this;
	this.container = container;
	this.parent_post_id = parent_post_id;

	var sendFunc = function(msg) {

		Dsq.Debug.log('Dsq.ReplyFrame.sendFunc');
		that.messenger.sendMessage(msg);
	};


	var postComment_onSuccess = function(response) {
		Dsq.jsonData.posts[response.message.id] = response.message.post_meta;
		if (!Dsq.jsonData.users[response.message.post_meta.user_key]) {
			Dsq.jsonData.users[response.message.post_meta.user_key] = response.message.user_meta;
		}


		var reply_position = (typeof(disqus_insert_wrt_sort) == 'undefined' 
			? (Dsq.jsonData.forum.reply_position ? -1 : null) 
			: (Dsq.jsonData.request.sort == 2 ? null : -1));
		
		if (response.message.post_meta.approved) {
			Dsq.Post.insert(response.message.post_meta.parent_post_id || reply_position, response.message.id, response.message.post_meta.message);
		}

		Dsq.Templates.postComment_onSuccess(response, parent_post_id, response.message.id);
	};

	var postComment_onFailure = function(response) {
		Dsq.Popup.popModal(response.message, 'Error');
		Dsq.Templates.postComment_onFailure(response, parent_post_id, response.message.id);
	};

	var editComment_onSuccess = function(response) {
		var post_id = parent_post_id;
		var message = Dsq.$('dsq-comment-message-' + post_id);
		
		message.innerHTML = response.message;
		Dsq.Templates.toggleEdit(post_id);
		Dsq.Templates.setLoadingButton(false);
	};
	
	var editComment_onFailure = function(response) {
		var post_id = parent_post_id;
		
		Dsq.Popup.popModal('Sorry, there was an error editing this comment.', 'Edit Error');
		Dsq.Templates.toggleEdit(post_id);
		Dsq.Templates.setLoadingButton(false);
	};

	var getUserByEmail_onSuccess = function(response) {
		var msg = response.message;
		var fields = Dsq.Templates.getFormFields(parent_post_id);

		if (msg.username) {

			Dsq.Templates.lightboxAuthenticate(parent_post_id, 'login', {
				'username': msg.username,
				'display_name': msg.display_name,
				'avatar_url': msg.avatar_url,
				'verified': msg.verified,
				'email': fields.email.value
			});
		} else {

			Dsq.Templates.lightboxAuthenticate(parent_post_id, 'register');
		}
	};

	var validateAuth_onSuccess = function(response, auth_choice) {
		Dsq.Templates.postComment(parent_post_id, null, true, auth_choice);
	};

	var validateAuth_onFailure = function(response, auth_choice) {
		var pid = parent_post_id ? '-' + parent_post_id : '';
		var msg = response.message;

		if (auth_choice == 'register') {
			var fields = ['email', 'username', 'password'];

			for (var i = 0; i < fields.length; i++) {
				var field = fields[i];
				var errorDiv = Dsq.$('dsq-' + field + '-errors' + pid);

				if (msg[field]) {
					errorDiv.innerHTML = msg[field];
				} else {
					errorDiv.innerHTML = '';
				}
			}
		} else if (auth_choice == 'login') {
			Dsq.$('dsq-lightbox-errors' + pid).innerHTML = '<p>We couldn\'t log you in. Please verify your login.</p>';
		}
		
		Dsq.Templates.setLoadingButton(false);
	};

	this.receive_callback = JsonRpc.createHandler(sendFunc, {
		'postComment.onSuccess': postComment_onSuccess,
		'postComment.onFailure': postComment_onFailure,
		'editComment.onSuccess': editComment_onSuccess,
		'editComment.onFailure': editComment_onFailure,		
		'getUserByEmail.onSuccess': getUserByEmail_onSuccess,
		'validateAuth.onSuccess': validateAuth_onSuccess,
		'validateAuth.onFailure': validateAuth_onFailure,
		'reload': function() { window.location.reload(); }
	});

	this.url = Dsq.Urls.REPLY +
		'?' + (new Date()).getTime() +
		'&f=tpreg' +
		'&t=how_the_government_can_fix_the_foreclosure_crisis' +
		'&ff=' + Dsq.Thread.ff +
		'&default_text=' + disqus_default_text +
		'&ifrs=' + encodeURIComponent(disqus_iframe_css);
	if (this.parent_post_id) {
		this.url += '&parent_post=' + this.parent_post_id;
	}
};

Dsq.ReplyFrame.prototype = new Dsq.NewFrames(Dsq.ReplyFrame.url);

Dsq.ReplyFrame.prototype.post = function(author_name, author_email, author_url, authenticate, sharing_services, subscribe) {
	this._execute('postComment', [author_name, author_email, author_url, authenticate, sharing_services, subscribe]);
};

Dsq.ReplyFrame.prototype.edit = function(post_id, message) {
	this._execute('editComment', [post_id, message]);
};

Dsq.ReplyFrame.prototype.setState = function(parent_post_id, depth) {
	this._execute('setState', [parent_post_id, depth]);
};

Dsq.ReplyFrame.prototype.getUserByEmail = function(email) {
	this._execute('getUserByEmail', [email]);
};

Dsq.ReplyFrame.prototype.validateAuth = function(auth_choice, email, username, password) {
	this._execute('validateAuth', [auth_choice, email, username, password]);
};

Dsq.ReplyFrame.prototype.authenticateFacebook = function(session, forum_url) {
	this._execute('authenticateFacebook', [session, forum_url]);
};

	Dsq.Facebook = function() {
	var that = this;

	var handleSessionData = function(session) {

		var forum_url = Dsq.jsonData.forum.url;




		if (typeof disqus_facebook_forum != 'undefined') {
			forum_url = disqus_facebook_forum;
		}
		Dsq.frames.reply_0.authenticateFacebook(session, forum_url);
	};

	var onLogin = function() {
		FB.Connect.getSignedPublicSessionData(handleSessionData);
	};

	this.login = function() {
		FB.Connect.requireSession(onLogin, true);
	};
};
Dsq.Facebook = new Dsq.Facebook();


	






Dsq.Themes = {};

Dsq.Themes.narcissus = new function() {
	this.addPostContainer = 'dsq-form-area';
	this.textareaContainer = 'dsq-textarea-wrapper';



	
	this.header = function() {
		var comments_count, total_posts, num_posts;
		var html = '';
		var missing_perm_tmpl;

		if (Dsq.jsonData.request.missing_perm) {
			missing_perm_tmpl = Dsq.Templates.missingPermissions();
			if (missing_perm_tmpl) {
				html += '<div class="dsq-missing-permissions">' + missing_perm_tmpl + '</div>';
			}
		}

		total_posts = Dsq.jsonData.thread.total_posts;
		num_posts = Dsq.jsonData.thread.num_posts;

		if (total_posts) {
			comments_count = Dsq.FmtStrings.SHOWING_COMMENTS_FULL(total_posts, num_posts);
		} else {
			comments_count = Dsq.FmtStrings.SHOWING_COMMENTS_WITHOUT_PAGINATION(num_posts);
		}

		html += ' \
		<div id="dsq-comments-title"> \
			<h3>' + comments_count + '</h3> \
		</div> \
		';

		html += ' \
		<div class="dsq-options"> \
			<span class="dsq-item-sort">'
				+ Dsq.Strings.SORT_BY + ' \
				<select id="dsq-sort-select" onchange="Dsq.Thread.sortBy(this.value);"> \
					<option value="hot" ' + (Dsq.jsonData.request.sort == 4 ? 'selected="selected"' : '') + '>' + Dsq.Strings.POPULAR_NOW + '</option> \
					<option value="best" ' + (Dsq.jsonData.request.sort == 3 ? 'selected="selected"' : '') + '>' + Dsq.Strings.BEST_RATING + '</option> \
					<option value="newest" ' + (Dsq.jsonData.request.sort == 2 ? 'selected="selected"' : '') + '>' + Dsq.Strings.NEWEST_FIRST + '</option> \
					<option value="oldest" ' + (Dsq.jsonData.request.sort == 1 ? 'selected="selected"' : '') + '>' + Dsq.Strings.OLDEST_FIRST + '</option> \
				</select> \
				&nbsp; \
			</span> \
			<span class="dsq-subscribe-email"> \
				<img src="http://media.disqus.com/images/embed/email.png" style="width:12px;height:12px;vertical-align:middle"> \
				<span id="dsq-subscribe">'
					+ (Dsq.jsonData.context.subscribed
						? '<a href="#" onclick="Dsq.Thread.subscribe(0); return false">' + Dsq.Strings.UNSUBSCRIBE + '</a>'
						: '<a href="#" onclick="Dsq.Thread.subscribe(1); return false">' + Dsq.Strings.SUBSCRIBE_BY_EMAIL + '</a>')
				+ '</span> \
			</span> \
			<span class="dsq-subscribe-rss" style="width:12px;height:12px;vertical-align:middle"> \
				<img src="http://media.disqus.com/images/embed/bullet-feed.png" alt="" /> \
				<a href="http://disqus.com/forums/tpreg/how_the_government_can_fix_the_foreclosure_crisis/latest.rss">' + Dsq.Strings.SUBSCRIBE_BY_RSS + '</a> \
			</span> \
		</div> \
		';

		
		
			html += Dsq.Templates.realtime();
			html += Dsq.Templates.showThreadSettings();
			html = Dsq.Templates.postBox() + html;

		
		

		return html;

	};
	
	this.footer = function() {
		var html = '';

		html += Dsq.Templates.pagination();


		html += Dsq.Templates.reactions();

		
			html += Dsq.Templates.trackbacks();
		


		if (Dsq.jsonData.request.is_global_moderator) {
 			html += ' \
				<div class="dsq-global-moderator-extras">'
					+ '<strong>shortname:</strong> ' + Dsq.jsonData.forum.url
					+ '<strong>thread id:</strong> ' + Dsq.jsonData.thread.id
					+ '<strong>thread slug:</strong> ' + Dsq.jsonData.thread.slug
				+ '</div> \
			';
		}

		return html;
	};
	
	this.realtime = function() {
		var html = '';
		
		if (Dsq.jsonData.realtime_enabled) {
			html += '<div id="dsq-realtime-options" class="dsq-options">'
					 + Dsq.Strings.REALTIME_UPDATING_IS + ' <strong id="dsq-realtime-status" style="text-transform: lowercase">' + Dsq.Strings.ENABLED + '</strong>. \
					 <a href="#" id="dsq-realtime-toggle" style="text-transform: capitalize"></a> \
					</div>';
		}

		if (!Dsq.jsonData.forum.streaming_realtime) {
			html += ' \
				<div style="display: none" id="dsq-realtime-alert" class="dsq-realtime-alert"><span id="dsq-realtime-queued"></span> <a href="#" id="dsq-realtime-show"></a></div> \
			';
		}
		
		return html;
	};

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

		html = '<div id="dsq-thread-settings" class="dsq-thread-settings">' + Dsq.Strings.MODERATOR_OPTIONS;
		html += '<a href="#" onclick="Dsq.Thread.showSettings(); return false;">' + Dsq.Strings.SETTINGS + '</a>';
		if (Dsq.jsonData.forum.reactions_enabled && Dsq.jsonData.reactions.length === 0) {
			html += '<a href="#" onclick="Dsq.Reaction.reportMissingReactions(); return false;">'
						+ Dsq.Strings.REPORT_MISSING_REACTIONS
						+ '</a>';
		}
		html +='</div>';

		return html;
	};

	this.postBox = function(post_id, use_fallback_iframe) {


		var html;
		var display_sharing_options = Dsq.jsonData.request.is_authenticated;

		if (!Dsq.jsonData.request.is_authenticated && Dsq.jsonData.forum.disqus_auth_disabled && !Dsq.jsonData.forum.allow_anon_post) {
			return '';
		}
		
		if (Dsq.jsonData.request.is_remote) {


			if (!Dsq.jsonData.request.sharing.hasOwnProperty(Dsq.jsonData.request.remote_domain)) {
				display_sharing_options = false;
			}
		}
		
		if (post_id) {
			var _meta = Dsq.jsonData.posts[post_id];
			var userData = Dsq.jsonData['users'][_meta.user_key];				
		}
		
		var pid = post_id ? '-' + post_id : '';

		var _requestUserInfo = function() {
			var html;



			var user_has_email = false;

			html = '<div class="dsq-request-user-info"> <!-- // If authenticated --> \
				<a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.LOGOUT + '?ctkn=' + Dsq.CSRF_TOKEN + '" class="dsq-request-user-logout">' + Dsq.Strings.LOGOUT + '</a> \
				<table> \
					<tr> \
						<td rowspan="2">'
							+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '<a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE + '">' : '')
								+ '<img src="' + Dsq.Urls.REQUEST_USER_AVATAR + '" width="48" height="48" class="dsq-request-user-avatar">'
							+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '</a>' : '')
						+ '</td> \
						<td class="dsq-request-user-name">'
								+ (Dsq.jsonData.request.is_remote
									 ? '<span class="dsq-badge-small dsq-badge-' + Dsq.jsonData.request.remote_domain + '">' + Dsq.jsonData.request.remote_domain + '</span>'
									 : (Dsq.jsonData.request.is_verified
											? '<span class="dsq-badge-small dsq-badge-verified">Verified</span>'
											: '<span class="dsq-badge-small dsq-badge-registered">Registered</span>'))
							+ ' <a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE + '">' + Dsq.jsonData.request.display_username + '</a>'
							+  (Dsq.jsonData.request.is_remote && user_has_email ? ' <small>(<a href="#" onclick="Dsq.Popup.remoteAccountSettings(); return false;">change settings</a>)</small>' : '')
							+  (!Dsq.jsonData.request.is_remote && !Dsq.jsonData.forum.disqus_auth_disabled ? ' <small>(<a href="' + Dsq.jsonData.settings.disqus_url + '/profile/info/" target="_blank">change name</a> or <a href="' + Dsq.jsonData.settings.disqus_url + '/profile/avatar/" target="_blank">picture</a>)</small>' : '')
						+ '</td> \
					</tr> \
					<tr> \
						<td class="dsq-request-user-stats"> \
							<span><big>' + Dsq.jsonData.request.comments_count + '</big> ' + (Dsq.jsonData.request.comments_count == 1 ? 'comment' : 'comments') + '</span> \
							<span><big>' + Dsq.jsonData.request.likes_count + '</big> ' + (Dsq.jsonData.request.likes_count == 1 ? 'like' : 'likes') + '</span> \
							<span><big>' + Dsq.jsonData.request.points + '</big> ' + (Dsq.jsonData.request.points == 1 ? 'point' : 'points') + '</span> \
						</td> \
					</tr> \
				</table> \
			</div> \
			';
			return html;
		};

		var _loginOptions = function() {
			var html;
			html = ' \
			<div class="dsq-authenticate"> \
				<p class="dsq-autheneticate-copy">'
				+ (Dsq.jsonData.forum.allow_anon_post
					? Dsq.Strings.YOU_ARE_COMMENTING_AS_A + ' <a class="dsq-help" title="Click for more information" href="#" onclick="Dsq.Popup.helpBadges(); return false">Guest</a>. ' + Dsq.Strings.OPTIONAL + ': ' + Dsq.Strings.LOGIN_BELOW + '.'
					: Dsq.Strings.REQUIRED + ': ' + Dsq.Strings.PLEASE_LOGIN_BELOW_TO_COMMENT + '.')
				+ '</p> \
				<ul class="dsq-login-buttons">'
					+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Popup.login(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-disqus.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_fb_connect ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Facebook.login(); return false;"><img src="http://media.disqus.com/images/themes/narcissus/login-facebook.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_twitter_signin ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Twitter.startTwitterConnect(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-twitter.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_openid ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.OpenID.requestURL(); return false" ><img src="http://media.disqus.com/images/themes/narcissus/login-openid.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_yahoo ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Yahoo.startYahooConnect(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-yahoo.gif" /></a></li>' : '')
				+ '</ul> \
			</div> \
			';
			return html;
		};

		if (!Dsq.jsonData.context.show_reply) {


			if (!Dsq.jsonData.request.is_authenticated) {



				return '<div id="dsq-form-area" style="display:none"><div id="dsq-textarea-wrapper"></div></div>' + _loginOptions();
			} else {
				return '';
			}
		}

		html = ' \
		<div id="' + (post_id 
			? 'dsq-reply-post-' + post_id
			: 'dsq-new-post')
		 	+ '" class="dsq-post-area"> \
			<div class="dsq-dc-logo"> \
				<a href="http://disqus.com/comments" target="_blank"><img src="http://media.disqus.com/images/themes/narcissus/disqus-logo.png"></a> \
			</div>'
			+ (post_id 
				? '<h3>' + Dsq.Strings.REPLYING_TO + ' ' + userData.display_name + '</h3>'
				: '<h3>' + Dsq.Strings.ADD_NEW_COMMENT + '</h3>')
			+ (Dsq.jsonData.request.is_authenticated 
				? _requestUserInfo()
				: _loginOptions() )
			+ '<div id="dsq-form-area' + pid + '">'
			+ '<div class="dsq-textarea"> \
				<div class="dsq-textarea-wrapper" id="dsq-textarea-wrapper' + pid + '"></div> \
			</div>'
			+ (!Dsq.jsonData.request.is_authenticated
			? ' \
			<div class="dsq-post-fields"> \
				<form action="." method="GET" onsubmit="Dsq.Templates.postComment(' + post_id + ', this, false); return false;"> \
				<table> \
					<tr> \
						<td class="dsq-post-fields-left"><div class="dsq-input-wrapper"><input id="dsq-field-name' + pid + '" type="text" value="' + (disqus_def_name ? disqus_def_name : (Dsq.jsonData.session.name ? Dsq.jsonData.session.name : Dsq.Strings.NAME + '" class="dsq-placeholder')) + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'name\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'name\')" /></div></td> \
						<td class="dsq-post-fields-right"><div class="dsq-input-wrapper"><input id="dsq-field-website' + pid + '" type="text" value="' + (Dsq.jsonData.session.url ? Dsq.jsonData.session.url : Dsq.Strings.WEBSITE + ' (' + Dsq.Strings.OPTIONAL.toLowerCase() + ')" class="dsq-placeholder') + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'website\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'website\')" /></div></td> \
					</tr> \
					<tr> \
						<td class="dsq-post-fields-left"><div class="dsq-input-wrapper"><input id="dsq-field-email' + pid + '" type="text" value="' + (disqus_def_email ? disqus_def_email : (Dsq.jsonData.session.email ? Dsq.jsonData.session.email : Dsq.Strings.EMAIL + '" class="dsq-placeholder')) + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'email\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'email\')" /></div></td> \
						<td class="dsq-post-fields-right"> \
							<div class="dsq-subscribe"> \
								<a href="#" onclick="Dsq.Templates.chooseSubscribe(' + post_id + '); return false" class="dsq-subscribe-menu"><span id="dsq-subscribe-select' + pid + '">' + (Dsq.jsonData.request.subscribe_on_post ? Dsq.Strings.SUBSCRIBE_TO_ALL_COMMENTS_BY_EMAIL : Dsq.Strings.DO_NOT_SUBSCRIBE_TO_COMMENTS) + '</span> <small>&#9660;</small></a> \
								<ul class="dsq-panel" id="dsq-subscribe-menu' + pid + '"> \
									<li><a href="#" onclick="Dsq.Templates.setSubscribe(2, this, ' + post_id + '); return false">Subscribe to all comments by email</a></li> \
									<li><a href="#" onclick="Dsq.Templates.setSubscribe(0, this, ' + post_id + '); return false">Do not subscribe to comments</a></li> \
								</ul> \
								<input id="dsq-subscribe-on-post' + pid + '" type="hidden" value="' + Dsq.jsonData.request.subscribe_on_post + '" /> \
							</div> \
						</td> \
					</tr> \
				</table> \
				</form> \
			</div>'
			: '')
			+ '<div class="dsq-post-footer"> \
				<div class="dsq-sharing-options" ' + (!display_sharing_options ? 'style="display:none;"' : '') + '> \
					<button class="dsq-button-small" onfocus="document.getElementById(\'dsq-post-button' + pid + '\').focus();"><span>' + Dsq.Strings.SHARING_OPTIONS + ' <small>&#9660;</small></span></button> \
					<div class="dsq-panel"> '
						+ (Dsq.jsonData.request.sharing.twitter !== undefined
								&& Dsq.jsonData.request.sharing.twitter.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-twitter' + pid + '"'
								  + (Dsq.jsonData.request.sharing.twitter.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-twitter' + pid + '">' + Dsq.Strings.SHARE_ON + ' Twitter</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.facebook
								&& (Dsq.jsonData.request.sharing.facebook.enabled === true ||
										(Dsq.jsonData.request.is_remote && Dsq.jsonData.request.remote_domain == 'facebook'))
							? '<div><input type="checkbox" id="dsq-sharing-facebook' + pid + '"'
									+ (Dsq.jsonData.request.sharing.facebook.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-facebook' + pid + '">' + Dsq.Strings.SHARE_ON + ' Facebook</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.yahoo !== undefined
								&& Dsq.jsonData.request.sharing.yahoo.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-yahoo' + pid + '"'
									+ (Dsq.jsonData.request.sharing.yahoo.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-yahoo' + pid + '">' + Dsq.Strings.SHARE_ON + ' Yahoo!</label> \
								</div>'
							: '')
						+ (Dsq.jsonData.request.sharing.tumblr !== undefined
								&& Dsq.jsonData.request.sharing.tumblr.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-tumblr' + pid + '"'
									+ (Dsq.jsonData.request.sharing.tumblr.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-tumblr' + pid + '">' + Dsq.Strings.SHARE_ON + ' Tumblr</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.wordpress !== undefined
								&& Dsq.jsonData.request.sharing.wordpress.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-wordpress' + pid + '"'
									+ (Dsq.jsonData.request.sharing.wordpress.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-wordpress' + pid + '">' + Dsq.Strings.SHARE_ON + ' Wordpress</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.movabletype !== undefined
							  && Dsq.jsonData.request.sharing.movabletype.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-movabletype' + pid + '"'
									+ (Dsq.jsonData.request.sharing.movabletype.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-movabletype' + pid + '">' + Dsq.Strings.SHARE_ON + ' Movable Type</label> \
							   </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.typepad !== undefined
							  && Dsq.jsonData.request.sharing.typepad.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-typepad' + pid + '"'
									+ (Dsq.jsonData.request.sharing.typepad.auto === true ? 'checked=true' : '') + '/> \
								  <label for="dsq-sharing-typepad' + pid + '">' + Dsq.Strings.SHARE_ON + ' TypePad</label> \
							   </div>'
							: '')
						+ '<div><a href="' + Dsq.jsonData.settings.disqus_url + '/profile/connections/" target="_blank" class="dsq-configure-options">' + Dsq.Strings.CONFIGURE_OPTIONS + '</a></div>'
					+ '</div> \
				</div>'
				+ '<button class="dsq-button" id="dsq-post-button' + pid + '" onclick="Dsq.Templates.postComment(' + post_id + ', this, false)"><span>' + Dsq.Strings.POST_AS + ' '
				+ (Dsq.jsonData.request.display_username
					? Dsq.jsonData.request.display_username
					: Dsq.Strings.GUEST)
				+ '</span></button>'
				+ (post_id
					? '<button class="dsq-button" id="dsq-cancel-button' + pid + '" onclick="Dsq.Post.toggleReply(' + post_id +', this)"><span>' + Dsq.Strings.CANCEL + '</span></button>'
					: '')
			+ '</div>'
			+ '</div>' // end dsq-form-area
		+ '</div> \
		';
		
		return html;
	};




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

	this.postPrependHeader = function(post_id) {
		var html;
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		
		html = ' \
		<table> \
			<tr> \
				<td id="dsq-header-avatar-' + post_id + '" class="dsq-header-avatar" 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> \
				</td> \
				<td class="dsq-comment-header-meta"> \
		';

		
		return html;
	};
	
	this.postAppendHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var html;
		var parent_display_name = '';
		
		if(_meta.parent_post_id) {

			var _parent_meta = Dsq.jsonData.posts[_meta.parent_post_id];

			if (_parent_meta) {
				var parentUserData = Dsq.jsonData['users'][_parent_meta.user_key];
				parent_display_name = parentUserData.display_name;
			}
		}

		html = ' \
		<img src="http://media.disqus.com/images/themes/narcissus/moderator.png" class="dsq-moderator-star" title="Moderator" /> \
		<span class="dsq-comment-header-time"><a href="#comment-' + post_id + '" onclick="Dsq.Popup.permalink(' + post_id + ')" title="Permalink">' + (_meta.is_realtime ? Dsq.Strings.JUST_NOW : _meta.date) + '</a></span> '
		+ (_meta.parent_post_id && parent_display_name
			? '<a href="#comment-' + _meta.parent_post_id + '" title="Jump to comment">in reply to ' + parent_display_name + '</a>'
			: '')
		+ '</td> \
		<td id="dsq-like-pts-' + post_id + '" class="dsq-comment-header-likes">'
		+ (_meta.points
			? _meta.points + Dsq.Utils.pluralize(_meta.points, ' person', ' people') + ' liked this.'
			: '')
		+ '</td> \
		</tr> \
		</table> \
		';
		return html;
	};

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

	this.postFooter = function(post_id) {
		var html;
		var _meta = Dsq.jsonData.posts[post_id];
		if(_meta.killed || !_meta.approved) { return ''; }
		
		html = ' \
		<div class="dsq-comment-footer" id="dsq-comment-footer-' + post_id + '"> \
			<div class="dsq-comment-footer-left">'
				+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator
					? '<a href="#" onclick="Dsq.Templates.moderateOptions(' + post_id+ '); return false">' + Dsq.Strings.MODERATE + '</a>'
					: '')
				+ '<a href="#" id="dsq-post-report-' + post_id + '" class="dsq-post-report" onclick="Dsq.Post.report(' + post_id + ', false); return false;">' + Dsq.Strings.FLAG + '</a> \
			</div> \
			<div class="dsq-comment-footer-right">'
				+ (_meta.votable 
					? '<span id="dsq-like-' + post_id + '" class="dsq-like">'
					+ (!_meta.up_voted
						? '<button class="dsq-button-small" onclick="Dsq.Post.rate(this, ' + post_id + ', 1)" >Like</button>'
						: 'You liked this.&nbsp;&nbsp;')
					+ '</span>'
					: '')
				+ (_meta.can_reply && !_meta.has_replies && _meta.from_request_user
					? '<button class="dsq-button-small dsq-post-edit" onclick="Dsq.Post.edit(this, ' + post_id + ')" >' + Dsq.Strings.EDIT + '</button>'
					: '')
				+ (_meta.can_reply
					? '<span class="dsq-comment-footer-reply" id="dsq-comment-footer-reply-' + post_id + '" onclick="Dsq.Post.toggleReply(' + post_id +', this)"> \
						<button class="dsq-button-small">' + Dsq.Strings.REPLY + '</button> \
						<button class="dsq-comment-footer-reply-tab">' + Dsq.Strings.REPLY + '</button><span></span> \
					</span>'
					: '')
			+ '</div> \
		</div> \
		';
		
		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" class="dsq-show-more-reactions"><button class="dsq-button-small" onclick="' + handler + '">Show more reactions</button></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;
		}

		var item = '<li class="dsq-comment dsq-reaction" id="dsq-reaction-' + reaction.id + '">'
			+ '<div class="dsq-comment-header"> \
			<table> \
			<tr> \
			<td class="dsq-header-avatar"> \
			';

		if (reaction.author_url && reaction.author_url !== '') {
			item += '<a target="_blank" href="' + reaction.author_url +'" class="dsq-avatar">';
		}

		if (reaction.avatar_url && reaction.avatar_url !== '') {
			item += '<img src="' + reaction.avatar_url + '"/>';
		} else {

			item += '<img src="' + Dsq.jsonData.media_url + '/images/noavatar92.png"/>';
		}

		var service_icon = (reaction.get_service_name == 'trackback' || reaction.get_service_name == 'pingback' ? 'rss' : reaction.get_service_name.replace(' ', ''));
		item += (reaction.author_url && reaction.author_url !== ''
				? '</a>'
				: '')
			+ '</td>'
			+ '<td><cite class="dsq-comment-cite">' + reaction.author_name + '</cite> <span class="dsq-comment-header-time">' + reaction.date_created + '</span></td>'
			+ '<td class="dsq-comment-header-likes"></td>'
			+ '</tr></table></div>' // end dsq-comment-header
			+ '<div class="dsq-reaction-header" \
				<table> \
					<tr> \
						<td class="dsq-reaction-header-left">'
							+ '<img class="dsq-service-icon" src="' + Dsq.jsonData.media_url + '/images/reactions/services/' + service_icon + '.png" />'
							+ ' 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>')
						+ '</td>'
						+ '<td class="dsq-reaction-header-right">';
			
			if(reaction.retweets) {
				var num_retweets = reaction.retweets.length;
				if (num_retweets > 0) {
					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 > 3) ? 3 : 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 += '</td></tr> \
			</table> \
			</div>' // end dsq-reaction-header
			+ '<div class="dsq-comment-body"> \
				<div class="dsq-comment-message">' + reaction.body + '</div>'
			+ '</div> \
			<div class="dsq-comment-footer"> \
				<div class="dsq-comment-footer-left"> \
				</div>'
				+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator 
					? ' \
					<div class="dsq-comment-footer-right"> \
						<button class="dsq-button-small dsq-hide-reaction" onclick="Dsq.Reaction.hide(' + reaction.id + ')">Hide</button> \
					</div>'
					: '')
			+ '</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" class="dsq-show-more-reactions"><button class="dsq-button-small" onclick="' + handler + '">Show more reactions</button></li>';
		}

		return '<h3 id="dsq-reactions-title" class="dsq-h3-reactions">Reactions</h3><ul id="dsq-reactions" class="dsq-reactions">' + html + '</ul>';
	};
	
	this._popupGeneric = function(content) {
		return ' \
		<div class="dsq-popup-container"> \
			<table> \
				<tbody> \
					<tr> \
						<td class="dsq-popup-tl"></td><td class="dsq-popup-b"></td><td class="dsq-popup-tr"></td> \
					</tr> \
					<tr> \
						<td class="dsq-popup-b"></td> \
						<td class="dsq-popup-body"> \
							<div class="dsq-popup-content"> \
								<div class="dsq-popup-title"> \
									<button class="dsq-button-small" style="float:right" onclick="Dsq.Popup._closePopup(null, true)">Close</button>' 
									+ content['header'] 
								+ '</div>'
								+ content['body']
							+ '</div> \
							<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> \
						</td> \
						<td class="dsq-popup-b"></td> \
					</tr> \
					<tr> \
						<td class="dsq-popup-bl"></td><td class="dsq-popup-b"></td><td class="dsq-popup-br"></td> \
					</tr> \
				</tbody> \
			</table> \
		</div> \
		';
	};



	
	this.chooseSubscribe = function(post_id) {

		var pid = post_id ? '-' + post_id : '';
		var menu = Dsq.$('dsq-subscribe-menu' + pid);
		
		menu.style.display = menu.style.display == 'block' ? 'none' : 'block';
		
	};
	
	this.setSubscribe = function(value, el, post_id) {

		var pid = post_id ? '-' + post_id : '';
		var input = Dsq.$('dsq-subscribe-on-post' + pid);
		var select = Dsq.$('dsq-subscribe-select' + pid);
		var menu = Dsq.$('dsq-subscribe-menu' + pid);
		
		select.innerHTML = el.innerHTML;
		input.value = value;
		this.chooseSubscribe(post_id);
	};
	
	this.getFormFields = function(post_id) {

		var fields = {};
		var pid = post_id ? '-' + post_id : '';
		var name = Dsq.$('dsq-field-name' + pid);
		var email = Dsq.$('dsq-field-email' + pid);
		var website = Dsq.$('dsq-field-website' + pid);
		var username = Dsq.$('dsq-field-username' + pid);
		var password = Dsq.$('dsq-field-password' + pid);

		fields = {
			'name': name,
			'email': email,
			'website': website,
			'username': username,
			'password': password
		}
		
		return fields;
	}
	
	this.validateFields = function(post_id) {
		
		if(Dsq.jsonData.request.is_authenticated) { return true; }
		
		var fields = Dsq.Templates.getFormFields(post_id);
		
		var nameField = fields.name;
		var websiteField = fields.website;
		var emailField = fields.email;
		
		websiteField.value = (websiteField.value == Dsq.Templates.placeholder['website']) ? '' : websiteField.value;
		
		var v = [{

			validator: Dsq.Validators.name,
			value: nameField.value
		}, {

			validator: Dsq.Validators.email,
			value: emailField.value
		}, {

			validator: Dsq.Validators.url,
			value: websiteField.value
		}];
		
		return Dsq.Validators.validate(v, function(e) { Dsq.Popup.popModal(e, 'Oops...') } );
	};
	
	this.checkExistingUser = function(post_id) {
		var fields = Dsq.Templates.getFormFields(post_id);		
		Dsq.Popup.loading(post_id);
		
		if (post_id) {
			Dsq.frames['reply_' + post_id].getUserByEmail(fields.email.value);
		} else {
			Dsq.frames['reply_0'].getUserByEmail(fields.email.value);
		}
	};

	this.validateAuth = function(el_clicked, post_id, auth_choice) {
		var fields = Dsq.Templates.getFormFields(post_id);
		var email = fields.email ? fields.email.value : '';
		var username = fields.username ? fields.username.value : '';
		var password = fields.password ? fields.password.value : '';
		
		Dsq.Templates.setLoadingButton(el_clicked, post_id);
		
		if (post_id) {
			Dsq.frames['reply_' + post_id].validateAuth(auth_choice, email, username, password);
		} else {
			Dsq.frames['reply_0'].validateAuth(auth_choice, email, username, password);
		}
	};

	this.lightboxUpdateEmail = function(post_id, new_email) {
		var fields = Dsq.Templates.getFormFields(post_id);
		fields.email.value = new_email;
	};

	this.lightboxAuthenticate = function(post_id, auth_choice, auth_data) {
		var title, body;
		var pid = post_id ? '-' + post_id : '';

		if(typeof(auth_data) == 'undefined') {
			var auth_data = Dsq.Templates.getFormFields(post_id);
		}

		d = auth_data;

		switch(auth_choice) {
			case 'register':
				var suggestedUsername = d.name.value.replace(/[^a-zA-Z0-9-]/g,'').toLowerCase();
			
				title = Dsq.jsonData.forum.allow_anon_post ? 'Optional:' : 'Required:';
				title += ' Register a <img src="http://media.disqus.com/images/embed/disqus-profile.png" alt=Disqus Profile" />';

				body = ' \
				<ul class="dsq-lightbox-register-reasons"> \
				<li>Verify your comments</li> \
				<li>Edit and delete comments</li> \
				<li>Manage comments and replies</li> \
				</ul> \
				';

				body += ' \
				<div class="dsq-lightbox-auth-fields"> \
					<table> \
						<tr> \
							<td>Email</td> \
							<td><input type="text" value="' + d.email.value + '" onchange="Dsq.Templates.lightboxUpdateEmail(' + post_id + ', this.value)" /><div id="dsq-email-errors' + pid + '"></div></td> \
						</tr> \
						<tr> \
							<td>Username</td> \
							<td><input id="dsq-field-username' + pid + '" type="text" value="' + suggestedUsername + '"/><div id="dsq-username-errors' + pid + '"></div></td> \
						</tr> \
						<tr> \
							<td>Password</td> \
							<td><input id="dsq-field-password' + pid + '" type="password" /><div id="dsq-password-errors' + pid + '"></div></td> \
						</tr> \
					</table> \
					<div class="dsq-lightbox-switch-auth"><a href="#" onclick="Dsq.Templates.lightboxAuthenticate(' + post_id + ',\'login\'); return false">Login instead</a></div> \
				</div> \
				<div id="dsq-lightbox-errors' + pid + '" class="dsq-lightbox-errors"></div> \
				<div class="dsq-lightbox-submit"> \
					<div class="dsq-lightbox-auth-post"><button class="dsq-button" onclick="Dsq.Templates.validateAuth(this, ' + post_id + ',\'' + auth_choice + '\')">Register and Post comment</button></div>'
					+ (Dsq.jsonData.forum.allow_anon_post
						? '<div class="dsq-lightbox-auth-skip"><button class="dsq-button-small" onclick="Dsq.Templates.postComment(' + post_id + ', this, true)">Just post as a Guest</button></div>'
						: '')
				+ '</div> \
				';
				break;
			case 'login':
				title = Dsq.jsonData.forum.allow_anon_post ? 'Optional:' : 'Required:';
				title += ' Login to your <img src="http://media.disqus.com/images/embed/disqus-profile.png" alt=Disqus Profile" />';
				body = '';
				
				if(d.avatar_url) {
					body += '<div class="dsq-lightbox-recognized"><table><tr>';
					body += '<td><img src="' + d.avatar_url + '" alt="" /></td>';
					body += '<td><span class="dsq-badge ' + (d.verified ? 'dsq-badge-verified' : 'dsq-badge-registered') + '">' + (d.verified ? 'Verified' : 'Registered') + '</span></td>';
					body += '<td>Hey <strong>' + d.display_name + '</strong>, is that you? Login below to claim this comment.';
					body += '</tr></table></div>';
				}

				body += ' \
				<div class="dsq-lightbox-auth-fields"> \
					<table> \
						<tr> \
							<td>Username or Email</td> \
							<td><input id="dsq-field-username' + pid + '" type="text" value="' + (d.avatar_url ? d.username : '') + '" /></td> \
						</tr> \
						<tr> \
							<td>Password <a href="http://disqus.com/forgot" target="_blank">(cannot log in?)</a></td> \
							<td><input id="dsq-field-password' + pid + '" type="password" /></td> \
						</tr> \
					</table> \
					<div class="dsq-lightbox-switch-auth"><a href="#" onclick="Dsq.Templates.lightboxAuthenticate(' + post_id + ',\'register\'); return false">Register instead</a></div> \
				</div> \
				<div id="dsq-lightbox-errors' + pid + '" class="dsq-lightbox-errors"></div> \
				<div class="dsq-lightbox-submit"> \
					<div class="dsq-lightbox-auth-post"><button class="dsq-button" onclick="Dsq.Templates.validateAuth(this, ' + post_id + ',\'' + auth_choice + '\')">Login and Post comment</button></div>'
					+ (Dsq.jsonData.forum.allow_anon_post
						? '<div class="dsq-lightbox-auth-skip"><button class="dsq-button-small" onclick="Dsq.Templates.postComment(' + post_id + ', this, true)">Just post as a Guest</button></div>'
						: '')
				+ '</div> \
				';
				break;
			default:
				break;
		}
		Dsq.Popup.lightbox(body, title, post_id);
		Dsq.$('dsq-field-username' + pid).focus();
	};
	
	this.buttonsToRestore = [];
	this.setLoadingButton = function(btn, post_id) {
		var pid = post_id ? '-' + post_id : '';
		if (btn) {

			var loadingBtn = document.createElement('button');
			loadingBtn.id = btn.id + '-loading';
			loadingBtn.innerHTML = '<img src="http://media.disqus.com/images/loading-lite.gif" alt="" /> Just a moment...';
			loadingBtn.className = btn.className + ' dsq-post-loading';
			btn.parentNode.appendChild(loadingBtn);
			btn.style.display = 'none';
			var cancelBtn = Dsq.$('dsq-cancel-button' + pid);
			if(cancelBtn) { cancelBtn.style.display = 'none'; this.buttonsToRestore.push(cancelBtn); }
			this.buttonsToRestore.push(btn);
		} else {

			var buttons = this.buttonsToRestore;
			for(var i = 0; i < buttons.length; i++) {
				buttons[i].style.display = 'inline';
				Dsq.Utils.deleteNode(Dsq.$(buttons[i].id + '-loading'));
			}
		}
		
	};

	this.postComment = function(post_id, el_clicked, force, auth_choice) {
		var append_id = post_id ? '-' + post_id : '';
		var fields = Dsq.Templates.getFormFields(post_id);

		if (Dsq.Templates.validateFields(post_id)) {

			if (!Dsq.jsonData.request.is_authenticated && !force &&
				((!Dsq.Utils.readCookie('skipped_auth') && !disqus_skip_auth && !Dsq.jsonData.forum.disqus_auth_disabled) || !Dsq.jsonData.forum.allow_anon_post)) {
				Dsq.Templates.checkExistingUser(post_id);
				return false;
			}
			var params = [];
			if (!Dsq.jsonData.request.is_authenticated) {
				params.push(fields.name.value,
					fields.email.value,
					fields.website.value);

				if (auth_choice == 'login' || auth_choice == 'register') {
					params.push({
						auth_choice: auth_choice,
						username: fields.username.value,
						password: fields.password.value,
						email: fields.email.value
					});
				} else {
					params.push(null);
				}

				params.push(null /* sharing options */, Dsq.$('dsq-subscribe-on-post' + append_id).value);
			} else {
				var service_checked = function(name) {
					var el = Dsq.$('dsq-sharing-' + name + append_id);
					return (el !== null && el.checked === true) ? '1' : '0';
				};
				params.push(null, null, null, null, {
					tw: service_checked('twitter'),
					fb: service_checked('facebook'),
					tr: service_checked('tumblr'),
					wp: service_checked('wordpress'),
					mt: service_checked('movabletype'),
					tp: service_checked('typepad'),
					yh: service_checked('yahoo')
				});
			}

			var frame = Dsq.frames['reply_' + (post_id ? post_id : 0)];
			frame.post.apply(frame, params);

			if (el_clicked) {
				Dsq.Templates.setLoadingButton(el_clicked, post_id);
			}
			
			if (force) {
				Dsq.Utils.createCookie('skipped_auth', true);	
			}
			
		} else {
			return false;
		}
	};

	this.editComment = function(el_clicked, post_id) {
		var edited_message = Dsq.$('dsq-edit-textarea-' + post_id).value;

		Dsq.Templates.setLoadingButton(el_clicked, post_id);
		Dsq.frames['edit_' + post_id].edit(post_id, edited_message);
	};

	this.toggleEdit = function(post_id) {
		var body = Dsq.$('dsq-comment-body-' + post_id);
		var message = Dsq.$('dsq-comment-message-' + post_id);

		if (!Dsq.Post.stateEditToggled[post_id]) {


			message.style.display = 'none';
			if (Dsq.$('dsq-edit-' + post_id)) {
				Dsq.$('dsq-edit-' + post_id).style.display = 'block';
			} else {

				var edit_area = document.createElement('div');
				edit_area.id = 'dsq-edit-' + post_id;
				edit_area.className = 'dsq-edit dsq-textarea';
				edit_area.innerHTML = ' \
				<div class="dsq-textarea-wrapper"> \
					<textarea class="dsq-edit-textarea" id="dsq-edit-textarea-' + post_id + '">' + message.innerHTML + '</textarea> \
				</div> \
				<div class="dsq-save-edit"> \
					<button onclick="Dsq.Templates.editComment(this, ' + post_id + ')" class="dsq-button-small">Save Edit</button> \
				</div> \
				<div id="dsq-edit-iframe-' + post_id + '" style="display: none"></div> \
				';

				body.appendChild(edit_area);

				if (!Dsq.frames['edit_' + post_id]) {
					var _meta = Dsq.jsonData.posts[post_id];
					Dsq.frames['edit_' + post_id] = new Dsq.ReplyFrame(Dsq.$('dsq-edit-iframe-' + post_id), post_id);
					Dsq.frames['edit_' + post_id].init();
					Dsq.frames['edit_' + post_id].setState(post_id, _meta.depth);
				}
			}
		} else {

			message.style.display = 'block';
			Dsq.$('dsq-edit-' + post_id).style.display = 'none';
		}
		
		Dsq.Post.stateEditToggled[post_id] = !Dsq.Post.stateEditToggled[post_id];
	};
	
	this.edit = function(el, post_id) {

		Dsq.Templates.toggleEdit(post_id);
	};

	this.toggleReply = function(post_id, button) {
		
		if(!this.stateReplyToggled[post_id]) {

			if (Dsq.$('dsq-reply-post-' + post_id)) {
				Dsq.$('dsq-append-post-' + post_id).style.display = 'block';
			} else {
				Dsq.$('dsq-append-post-' + post_id).innerHTML = Dsq.Templates.postBox(post_id);
				var container = Dsq.$('dsq-textarea-wrapper-' + post_id);
				if (!Dsq.frames['reply_' + post_id] && container) {
					var _meta = Dsq.jsonData.posts[post_id];
					Dsq.frames['reply_' + post_id] = new Dsq.ReplyFrame(container, post_id);
					Dsq.frames['reply_' + post_id].init(function() {

						Dsq.$('dsq-append-post-' + post_id).innerHTML = Dsq.Templates.postBox(post_id, true);
						Dsq.$('dsq-form-area-' + post_id).innerHTML = '';

						var theme = (typeof disqus_frame_theme == 'undefined') ? 'default' : disqus_frame_theme;
						Dsq.Iframes.showReplyIframeInContainer(Dsq.$('dsq-form-area-' + post_id), post_id, {theme: theme});

					});
					Dsq.frames['reply_' + post_id].setState(post_id, _meta.depth);
				}
			}
			Dsq.$('dsq-append-post-' + post_id).className = 'dsq-append-post';
			Dsq.$('dsq-comment-footer-reply-' + post_id).className = 'dsq-comment-footer-reply-active';
			
		} else {

			Dsq.$('dsq-append-post-' + post_id).style.display = 'none';
			Dsq.$('dsq-append-post-' + post_id).className = '';
			Dsq.$('dsq-comment-footer-reply-' + post_id).className = 'dsq-comment-footer-reply';
		}
		
		this.stateReplyToggled[post_id] = !this.stateReplyToggled[post_id];

		if(Dsq.Utils.ie && this.stateReplyToggled[post_id]) {

		}

		Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_TOGGLED, {
			postId: post_id,
			opened: this.stateReplyToggled[post_id]
		});
	};
	
	this.moderateOptions = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		
		if(!Dsq.jsonData.request.is_moderator && !Dsq.jsonData.request.is_global_moderator) { return false; }

		var html;
		
		html = ' \
		<div class="dsq-moderate-options"> \
		<table>'
		+ (_meta.email ? '<tr><td>Email</td><td>' + _meta.email + '</td></tr>' : '')
		+ (_meta.ip ? '<tr><td>IP address</td><td>' + _meta.ip + '</td></tr>' : '')
		+ '<tr> \
			<td>Actions</td> \
			<td><ul>'
			+ (Dsq.jsonData.request.moderator_can_edit
				? '<li><a href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); Dsq.Popup._closePopup(null, true); return false;">Edit Comment</a></li>'
				: '')
			+ '<li><a href="#" onclick="Dsq.Post.removePost(' + post_id + ', 1); Dsq.Popup._closePopup(null, true); return false;">Delete Comment</a></li> \
			<li><a href="#" onclick="Dsq.Post.reportSpam(' + post_id + '); Dsq.Popup._closePopup(null, true); return false;">Mark Spam</a></li> \
			<li><a href="#" onclick="Dsq.Popup.blacklist(' + post_id + '); return false">Block User</a></li> \
			</ul></td> \
			</table> \
		</div> \
		';
		
		html += '<p>Go to the full <a href="http://disqus.com/comments/moderate/" target="_blank">moderate panel</a> for more options.</p>';
		
		return Dsq.Popup.popModal(html, 'Moderate Options', post_id);
	};
	
	this.placeholder = {
		'class': 'dsq-placeholder',
		'name': Dsq.Strings.NAME,
		'email': Dsq.Strings.EMAIL,
		'website': Dsq.Strings.WEBSITE + ' (' + Dsq.Strings.OPTIONAL.toLowerCase() + ')'
	};
	
	this.handlePlaceholder = function(evt, el, key) {
		var placeholder = Dsq.Templates.placeholder[key];
		var className = Dsq.Templates.placeholder['class'];
		
		switch(evt.type) {
			case 'focus':
				if(el.value == placeholder) {
					el.value = '';
					el.className = '';
				}
				break;

			case 'blur':
				if(el.value == '') {
					el.value = placeholder;
					el.className = className;
				}
				break;
			default:
				break;
		}
	};
	
	this.paginate = function(page, el_clicked) {

		var extra_params = '';

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

		Dsq.$('dsq-pagination').innerHTML += '<img src="http://media.disqus.com/images/loading-small.gif">';
		
		if(el_clicked) {
			Dsq.Templates.setLoadingButton(el_clicked);
		}
		
		Dsq.Utils.execScript('http://disqus.com/forums/tpreg/thread.js'
			+ '?slug='	+ 'how_the_government_can_fix_the_foreclosure_crisis'
			+ '&p='		+ page
			+ extra_params);
	};
	
	
	this.rate = function(el, id, vote) {


		if(Dsq.jsonData.request.is_authenticated || Dsq.jsonData.forum.allow_anon_votes) {
			if(vote == 1) {
				Dsq.$('dsq-like-' + id).innerHTML = '<img src="http://media.disqus.com/images/loading-small.gif">';
			}
			Dsq.Utils.execScript('http://disqus.com/forums/tpreg/vote.js'
				+ '?post_id='    + id
				+ '&vote='        + vote);
		} else {
			Dsq.Popup.login('To rate, please log in');
		}
	};

	this.voted = function(post_id, points, vote) {

		Dsq.$('dsq-like-pts-' + post_id).innerHTML = points + Dsq.Utils.pluralize(points, ' person', ' people') + ' liked this.';

		if(vote) {
			Dsq.$('dsq-like-' + post_id).innerHTML = 'You liked this.&nbsp;&nbsp;';
		}
	};




	this.postComment_onSuccess = function(response, parent_post_id, post_id) {
		var approved = response.message.post_meta.approved;

		if (parent_post_id) {
			Dsq.Post.toggleReply(parent_post_id);
		}

		Dsq.Popup._closePopup(null, true);
		
		if (approved) {
			Dsq.Post.incrementPostCount();
			Dsq.Post.outlineComment(post_id);
		} else {			
			var unapproved_msg = 'Thanks for posting!\
	 Your comment must be approved by a moderator before appearing here.\
			';
			Dsq.Popup.popModal(unapproved_msg, 'Comment awaiting approval', post_id);
		}

		var sharing_results = response.message.sharing_results;
		var sharing_errors = '';
		for (var service in sharing_results) {
			if (sharing_results.hasOwnProperty(service) === true) {
				if (sharing_results[service].error === true) {
					sharing_errors += service + ', ';
				}
			}
		}

		if (sharing_results.facebook && sharing_results.facebook.callback) {
			FB.ensureInit(function() {
				FB.Connect.streamPublish('', sharing_results.facebook.attachment);
			});
		}

		if (sharing_errors !== '') {
			var message = 'Your comment was posted, but there were errors sharing with the following connections: ';
			message += sharing_errors.replace(/,\s$/, '');
			message += '<p><a href="' + Dsq.jsonData.settings.disqus_url + '/profile/connections" target="_blank">Configure your connections here</a></p>'
			Dsq.Popup.popModal(message, 'Sharing options');
		}

		Dsq.Templates.setLoadingButton(false);
	};

	this.postComment_onFailure = function(response, parent_post_id, post_id) {

		Dsq.Templates.setLoadingButton(false);
	};
};




// 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/tpreg/how_the_government_can_fix_the_foreclosure_crisis/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.remoteAccountSettings = function() {
		var body = '';
		// Set up IFrame.
		var params = {};
		var base_url = 'http://disqus.com/forums/tpreg/_auth/embed/remote_settings/';
		var attributes = {id: 'dsq-popup-account-settings'};
		if (typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}

		body = Dsq.Templates._frameGeneric(base_url, params, attributes);
		this.popModal(body, 'Account Settings', null, true, 'dsq-popup-account-settings');
	};

	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">61</span> Comments\
	 &nbsp;\
	 <span class="dsq-item-feed">\
	 <a href="http://disqus.com/forums/tpreg/how_the_government_can_fix_the_foreclosure_crisis/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/tpreg/how_the_government_can_fix_the_foreclosure_crisis/">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/tpreg/how_the_government_can_fix_the_foreclosure_crisis/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 The Phoenix Real Estate Guy" 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:25012148" onclick="Dsq.Popup.login(); return false">Login</a> \
								 \
									&nbsp;or&nbsp; \
									<img class="fb_login_image" src="http://static.ak.fbcdn.net/images/fbconnect/login-buttons/connect_light_small_short.gif" alt="Facebook Connect"/> \
									<a href="#" onclick="FB.Connect.requireSession(DisqusFbcParentController.onLogin); return false;">Connect</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> \
								 \
								&nbsp;or&nbsp; \
									 <img src="http://media.disqus.com/images/openid-login-icon.png" alt="" /> \
									 <a href="#" onclick="Dsq.OpenID.requestURL(); return false">OpenID</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'				: 'tpreg',
			't'				: 'how_the_government_can_fix_the_foreclosure_crisis',
			// 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/tpreg/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/tpreg/how_the_government_can_fix_the_foreclosure_crisis/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/tpreg/thread.js'
			+ '?slug='	+ 'how_the_government_can_fix_the_foreclosure_crisis'
			+ '&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/tpreg/thread.js'
			+ '?slug='	+ 'how_the_government_can_fix_the_foreclosure_crisis'
			+ '&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/tpreg/subscribe.js'
				+'?status=' 	+ status
				+ '&slug='		+ 'how_the_government_can_fix_the_foreclosure_crisis'
				+ '&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/tpreg/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/25012148/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>';
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Dsq.container.className = "clearfix";
Dsq.container.innerHTML = ' \
<ul id="dsq-comments">\
	 <li id="dsq-comment-12487619">\
	 <div id="dsq-comment-header-12487619" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487619" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487619" href="http://www.3poundsofrealestate.com/" target="_blank" rel="nofollow">rob aubrey@ 3 Pounds of Real E</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487619" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487619" class="dsq-comment-message">I have to agree Jay, the government doesn\'t know how and should not fix it. It is their responsibility to see that the markets are able to operate freely and fairly. What the feds are doing now is borrowing buyers from the future and chasing the immediate gratification.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>rob aubrey&#180;s last blog post..<a href="http://3poundsofrealestate.com/2009/05/31/wahoo-we-are-somebody/" rel="nofollow">Wahoo We Are Somebody</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487620">\
	 <div id="dsq-comment-header-12487620" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487620" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487620" href="http://realestate.about.com/" target="_blank" rel="nofollow">Jim Kimmons</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487620" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487620" class="dsq-comment-message">What do you mean?  We\'re ENTITLED to be taken care of.  The government is our friend.  I, for one, need the help of a benevolent government.  It\'s been a tough real estate year, so Bill Gates needs his taxes raised so I can get a bit of help over here in Taos, NM.  Or, maybe we\'ll just borrow some more.  Does the U.S. government have a credit score over at Experian?<br><br>Obviously, the banks in trouble aren\'t operating like mine.  I can\'t write a check from savings, which is where I accumulate funds for my quarterly tax payments (it\'s that whopping half percent interest rate).  I wrote two checks to the IRS on my regular account, and forgot to transfer the money over.  A $75 charge for my error is how you make money the old fashioned way...take it from someone else.<br><br>Just kidding, I\'m a Libertarian at heart.  Great post.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Jim Kimmons&#180;s last blog post..<a href="http://realestate.about.com/b/2009/06/04/my-one-track-brain-trulia-zillow-trains-collide.htm" rel="nofollow">My One-track Brain - Trulia &amp; Zillow Trains Collide</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487623">\
	 <div id="dsq-comment-header-12487623" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487623" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487623" href="http://mikecandoit.com/" target="_blank" rel="nofollow">Mike Rohrig</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487623" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487623" class="dsq-comment-message">Completely agree and wonder if the government interference will prolong the pain in the effort to appear that they are helping.  Pulling a band-aid slowly may seem like it doesn\'t hurt as much but the time of pain is actually longer.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Mike Rohrig&#180;s last blog post..<a href="http://feedproxy.google.com/~r/MikeOnPortlandRealEstate/~3/IC-W2ONSQEo/" rel="nofollow">In Short Sales The Patient Buyer Often Wins</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487624">\
	 <div id="dsq-comment-header-12487624" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487624" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487624" href="http://www.ask4greg.com/" target="_blank" rel="nofollow">Gregory Bain</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487624" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487624" class="dsq-comment-message">Jay, I love to disagree but I can\'t. Let the prices fall or the living wage rise. It is really too late for the government to step in and offer some protection to the people. The lobbyist took care of that before the bubble set sail. Now unlike your other libertarian friend and unlike the solid right wing republican, I beleive government has certain responsibilities and we have certain entitlements as a society. But, the government has failed us and on this issue you are right.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487622">\
	 <div id="dsq-comment-header-12487622" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487622" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487622" href="http://twitter.com/HomeLove/statuses/2062122754" target="_blank" rel="nofollow">HomeLove (HomeLove)</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487622" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487622" class="dsq-comment-message">How the Government can Fix the “Foreclosure Crisis” — The Phoenix ... <a href="http://tinyurl.com/rasrq6" rel="nofollow">http://tinyurl.com/rasrq6</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487621">\
	 <div id="dsq-comment-header-12487621" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487621" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487621" href="http://twitter.com/RealEstateTL/statuses/2062291650" target="_blank" rel="nofollow">RealEstateTL (Real Estate Time</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487621" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487621" class="dsq-comment-message">How the Government can Fix the “Foreclosure Crisis” — The Phoenix ... <a href="http://tinyurl.com/rasrq6" rel="nofollow">http://tinyurl.com/rasrq6</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487625">\
	 <div id="dsq-comment-header-12487625" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487625" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487625" href="http://investing.curiouscatblog.net/" target="_blank" rel="nofollow">John Hunter @ Curious Cat Inve</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487625" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487625" class="dsq-comment-message">Doing nothing more to support the housing market may make sense.  That is not the same thing as doing nothing though.  It would be a very different world today if nothing had been done.  Banks innately require regulation (runs on banks cannot be handled solely by the market effectively).  But yes the government trying to make the consequences of bad investments is not wise in general.  Those that make bad choices should suffer their losses and be more careful in the future.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>John Hunter&#180;s last blog post..<a href="http://investing.curiouscatblog.net/2009/06/05/usa-unemployment-rate-jumps-to-94/" rel="nofollow">USA Unemployment Rate Jumps to 9.4%</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487626">\
	 <div id="dsq-comment-header-12487626" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487626" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487626" href="http://www.spiderjuicetechnologies.com/" target="_blank" rel="nofollow">Tim O&#39;Keefe</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487626" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487626" class="dsq-comment-message">Amen, however then we must look at real estate which has always operated with Government intervention. Easy loans has always been part of the deal for Vets, and other groups. And what about taxes?Take away the tax break and why buy? Its a hard argument to win. The $8k going on right now? Nothing free market about that. <br>Every crisis brings in more intervention that we collectively accept or cannot do anything about.  And now this meddling will somehow be accepted in future generations. I trust people who have to balance a checkbook before I trust a government who has no idea about the consequences of non efficiency.<br> Certainly intervention is not new. Its just in the past 8 months or so it has sunk to a new low . The bailout was nothing more than political thank yous for a job well done just months before. As the Gov gets in the car business we are already hearing stories of corruption as politico friends curiously win contracts and keep dealerships as other often more successful enterprises are exterminated. Competition and profit motive gets replaced by payoffs and favors.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487636">\
	 <div id="dsq-comment-header-12487636" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487636" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487636" href="http://twitter.com/PhoenixREnews/statuses/2062853911" target="_blank" rel="nofollow">PhoenixREnews (Phoenix Real Es</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487636" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487636" class="dsq-comment-message">How the Government can Fix theForeclosure Crisis The Phoenix Real ...: As one who sells real estate for a living.. <a href="http://tinyurl.com/rasrq6" rel="nofollow">http://tinyurl.com/rasrq6</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487627">\
	 <div id="dsq-comment-header-12487627" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487627" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487627" href="http://www.bradofficer.com" target="_blank" rel="nofollow">1floridawaterfront1</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487627" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487627" class="dsq-comment-message">Jay, you are a capitalist and I\'m with you!  Ups and Downs, Supply and Demand, all are normal for any product or service including housing.  If they just stayed out of the way, this whole thing would work itself out......like it always has in the past.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Jacksonville Real Estate Agent - Brad Officer&#180;s last blog post..<a href="http://feedproxy.google.com/~r/BradOfficer/~3/9dMxO25Q_yM/" rel="nofollow">Jacksonville Homes For Sale - Price Slashing</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487628">\
	 <div id="dsq-comment-header-12487628" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487628" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487628" href="http://free-financial-money-magazine.blogspot.com/" target="_blank" rel="nofollow">Hoss@Money Magazine</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487628" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487628" class="dsq-comment-message">Houses prices will always work themselves out in the long run.  Some times they will be over priced and other times they will be under priced and every once in a while they will reflect true value.<br>It is to bad that the philosophy of everyone should own a house controlled the market for a good period of time. That led to this so called mortgage crisis. People who could not afford a home where given mortgages when they should not have been.  Government, please stay out of the market.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Hoss&#180;s last blog post..<a href="http://free-financial-money-magazine.blogspot.com/2009/06/financial-statements-explained.html" rel="nofollow">Financial Statements Explained</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487629">\
	 <div id="dsq-comment-header-12487629" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487629" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487629" href="http://www.3poundsofrealestate.com/" target="_blank" rel="nofollow">rob aubrey@ 3 Pounds of Real E</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487629" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487629" class="dsq-comment-message">Tim I agree with you on the gov intervention for the most part always been there. Veterans get a little more favorable loan for a fee (service) FHA  is an insured loan that the feds created and has worked well. The borrower contributes money in the form of insurance premiums. I am good with that type of intervention, but giving away money is not the same.<br><br>Feds, taking over the auto, can you say yugo? I think they should put them on the selling block and allow free enterprise to deal with it.<br><br>Jim I prefer the word expectations rather than entitlement. I think we agree just use a different word for it.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>rob aubrey&#180;s last blog post..<a href="http://3poundsofrealestate.com/2009/05/31/wahoo-we-are-somebody/" rel="nofollow">Wahoo We Are Somebody</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487630">\
	 <div id="dsq-comment-header-12487630" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487630" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487630" href="http://www.BuyingCharlestonRealEstate.com/blog/" target="_blank" rel="nofollow">Mike@Charleston SC Real Estate</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487630" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487630" class="dsq-comment-message">As the article states, the government should have no hand in how certain businesses are run (all businesses for that matter).  I believe in capitalism, and that if a company fails, the company should fail.  Sometimes people just have to realize that we learn from failures, and that sometimes, failure is needed in order to grow and prosper.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487631">\
	 <div id="dsq-comment-header-12487631" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487631" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487631" href="http://www.halifaxrealestatebroker.com/" target="_blank" rel="nofollow">Halifax Real Estate</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487631" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487631" class="dsq-comment-message">I think that the govt should follow through with the plan to sell the toxic assets so that the banks can start lending again and thus creating demand for these foreclosed homes. It is a surefire way of getting things moving once again.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Halifax Real Estate&#180;s last blog post..<a href="http://halifaxrealestatebroker.com/2009/06/04/back-from-the-exit-realty-canadian-franchisee-conference/" rel="nofollow">Back from the EXIT REALTY Canadian franchisee conference</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487632">\
	 <div id="dsq-comment-header-12487632" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487632" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487632" href="http://deansellsaz.com/" target="_blank" rel="nofollow">Dean Ouellette</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487632" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487632" class="dsq-comment-message">Talk about hitting the nail on the head!  This is so dead on.  Now if we could get get the administration to read it.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Dean Ouellette&#180;s last blog post..<a href="http://deansellsaz.com/wp-content/gallery/edgewater-unit101/tempe-edgewater-condo-101-pool.jpg" rel="nofollow">tempe-edgewater-condo-101-pool.jpg</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487633">\
	 <div id="dsq-comment-header-12487633" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487633" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487633" href="http://www.minnesotapropertiesonline.com/search.html" target="_blank" rel="nofollow">Kevin Curtis @mn mls</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487633" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487633" class="dsq-comment-message">3 Cheers for Laissez-faire, Laissez-faire, Laissez-faire<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Kevin Curtis&#180;s last blog post..<a href="http://www.minnesotapropertiesonline.com:80/blog/twitter-and-real-estate.html" rel="nofollow">Twitter and Real Estate</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487635">\
	 <div id="dsq-comment-header-12487635" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487635" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487635" href="http://twitter.com/southcitylights/statuses/2068217507" target="_blank" rel="nofollow">southcitylights (South City Li</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487635" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487635" class="dsq-comment-message">How the Government can Fix the “Foreclosure Crisis” — The Phoenix ... <a href="http://tinyurl.com/rasrq6" rel="nofollow">http://tinyurl.com/rasrq6</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487634">\
	 <div id="dsq-comment-header-12487634" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487634" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487634" href="http://www.cdloanmod.com/loss-mitigation" target="_blank" rel="nofollow">Loan Loss Mitigation</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487634" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487634" class="dsq-comment-message">I believe that sooner or later the Federal Government will overcome this problem of " Foreclosure Crisis". As we have seen in recent past that Obama Administration has not only introduced but also sanctioned new packages to cope up with this Crisis.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487637">\
	 <div id="dsq-comment-header-12487637" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487637" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487637" href="http://www.escapesomewhere.com/" target="_blank" rel="nofollow">Ki@Austin Texas Real Estate</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487637" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487637" class="dsq-comment-message">Now that all the bailouts are done I am wondering if all this government borrowing is going to lead to massive massive inflation.    The last I read 50 cents of every dollar spent this year by the government is borrowed.    It also seems like the last few government debt auctions have not gone that well.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487638">\
	 <div id="dsq-comment-header-12487638" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487638" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487638" href="http://www.augustalistingexpert.com" target="_blank" rel="nofollow">JoeLoomer</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487638" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487638" class="dsq-comment-message">The Law of Unintended Consequences came into play when the Veterans Administration outsourced handling of their foreclosures.  The year and a half or so it took for the separate contractors to get those homes out on the market by mid-late 2006 certainly did not help things.<br><br>Oh, Jay - you\'re link\'s broke on your Inman comment from this morning.  Gets you here, but to a "404 Error" page....<br><br>Navy Chief, Navy Pride<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Joe&#180;s last blog post..<a href="http://www.augustalistingexpert.com/Blog/Tax-Credit-Authorized-for-1st-Time-Homebuyers" rel="nofollow">Tax Credit Authorized for 1st Time Homebuyers</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487639">\
	 <div id="dsq-comment-header-12487639" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487639" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487639" href="http://define-isaretleri.blogspot.com/" target="_blank" rel="nofollow">Define</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487639" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487639" class="dsq-comment-message">I do not know how but should.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487640">\
	 <div id="dsq-comment-header-12487640" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487640" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487640" href="http://www.realestatematters.org/" target="_blank" rel="nofollow">Bill Iannelli</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487640" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487640" class="dsq-comment-message">I like to call it Darwinism Economics.  Survival of the fittest.  Nobody bails my little real estate company out.  We all are trying to keep our heads above water.  Saw everyone else milking the system and tried to get my piece of the action and do note modification on my Coolidge rental that has lost 50% value.  I continue to make payments, lender said they could not help me because I was investor.  It\'s ok for them to sell houses in areas lower than they need to which hurts the people holding.  Told them they had no problems loaning to investors during the boom.  They said I could do a short sale.  Crazy logic, instead of  reducing the principal by $20,000 and lowering the rate a tad they would rather lose 50% on a short sale.  I can\'t even get close to figuring that out.  Drives me insane.  If you think the government can do anything just walk into any post office any time of day and see the anger in workers faces, long lines, poor service.  How about trying to pick up the phone right now and call the IRS.  Need I go on.  I have a new motto for America.  Do nothing get everything, do everything get nothing.  People like us make the world go round.  We don\'t milk the system for anything.  No matching 401k, health care, unemployment.  Yet we pay the highest taxes and keep the country running.  Something to ponder when you are sweating your ass off today showing Bob an Betty houses all over the valley.  You realtors have it made.  Making all that money and hardly working.  Yea right.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487641">\
	 <div id="dsq-comment-header-12487641" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487641" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487641" href="http://www.relocation.com/blog" target="_blank" rel="nofollow">Tim Johnson</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487641" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487641" class="dsq-comment-message">Great post and I\'m glad to see someone in the real industry industry arguing so eloquently for doing nothing. <br>There seems to be a perception that if people lose their home to foreclosure that they\'re out on the streets. I don\'t see much evidence that this is happening. In fact, they\'re moving into rental properties where they have a much less onerous housing payment, and probably a great deal stress. Their credit\'s shot, but that\'s only for a finite time period, and frankly, reined-in credit for these folks is probably a good thing. Meanwhile, the foreclosed properties are slowly but surely get sopped up by folks who can finally afford to buy.  Seems the market\'s largely working as intended.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Tim Johnson&#180;s last blog post..<a href="http://www.relocation.com/blog/that-guaranteed-moving-quote-might-not-be-so-guaranteed" rel="nofollow">That ‘Guaranteed’ Moving Quote? Well, Things Have Changed…</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487642">\
	 <div id="dsq-comment-header-12487642" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487642" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487642" href="http://www.brucewagg.com/" target="_blank" rel="nofollow">Bruce Wagg@ Oakland Real Estat</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487642" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487642" class="dsq-comment-message">Jay, The little bit of federal and state tax credits briefly gave the lower end market here a big boost. Now with the interest rates rising I have already seen a slowdown. Nobody is asking for handouts, we all realize this will take hard work and a long time to sort it self out but just a little help form the Gov\'t sure goes a long way in some markets</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487643">\
	 <div id="dsq-comment-header-12487643" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487643" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487643" href="http://www.PhoenixRealEstateGuy.com/" target="_blank" rel="nofollow">Jay Thompson</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487643" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487643" class="dsq-comment-message">Bruce - <br><br>No one is asking for handouts? Just about every financial institution east and west of the Mississippi wants a bail out.<br><br>The governments involvement extends way beyond tax credits.  Bailouts, the all but failed <a href="http://www.hopenow.com/" rel="nofollow">Hope Now program</a>, mucking about in appraisal practices, <a href="http://www.phoenixrealestateguy.com/phoenix-to-offer-15000-loans-to-purchase-foreclosed-homes/2059" rel="nofollow">silly and worthless "plans" to help people buy foreclosures</a>. When is it going to stop?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487644">\
	 <div id="dsq-comment-header-12487644" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487644" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487644" href="http://GregoryBain.com/" target="_blank" rel="nofollow">Gregory Bain</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487644" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487644" class="dsq-comment-message">From reading the many responses here, I would say there is a lot of self serving pre-conceived ideas as to how we got where we are today. I know a lot of VA and FHA borrowers that were very careful and thoughtful in the purchase of their home. Today, like my own income, they find themselves out of work or making much less than they did when they signed for the loan. <br><br>I find the homes that caused the problem were not the ones that were given loans because the banks were told to stop the red lining practice but, individuals like the one who made the comment; "Saw everyone else milking the system and tried to get my piece of the action and do note modification on my Coolidge rental that has lost 50% value."<br><br>Call it whatever you want. The government failed us. We had one of the individuals in charge say it was "irrational exuberance" while the top dog declared home ownership at the highest level under his watch. And, all the time the lobbyists were set out to change the bankruptcy laws. Me?<br><br><a href="http://www.youtube.com/watch?v=-xmKBf8QWsA" rel="nofollow">http://www.youtube.com/watch?v=-xmKBf8QWsA</a><br><br>I\'m not above........</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487645">\
	 <div id="dsq-comment-header-12487645" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487645" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487645" href="http://www.jboyerhomes.com/Convent-Station-NJ-07960.php" target="_blank" rel="nofollow">James Boyer Convent Station NJ</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487645" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487645" class="dsq-comment-message">All I can say is somebody please, ban the short sales.  Nobody around Northern New Jersey seems to know what they are doing when it comes to listing them anyway.  Still running into agents who are listing homes for sale short sale, when the home owner has not even filed any paperwork with the bank to even start the process.  What a drag.<br><br>As always Jay, a well written piece of real estate market opinion.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487646">\
	 <div id="dsq-comment-header-12487646" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487646" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487646" href="http://mportlandrealestate.com/" target="_blank" rel="nofollow">Portland Real Estate</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487646" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487646" class="dsq-comment-message">Just reform the system to keep thieves and swindlers in check, then let the market do everything naturally.  History has proven that a government is better of lightly touching an economy with policy to keep it stable, rather than completely take it over and make it inefficient.  Unfortunately for us the last president didn\'t want any oversight of anything, which is the exact opposite problem and causes businesses to become organized crime vessels.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Portland Real Estate&#180;s last blog post..<a href="http://mportlandrealestate.com/2009/06/06/red-tail-golf-course-sw-portland/" rel="nofollow">Red Tail Golf Course: SW Portland</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487647">\
	 <div id="dsq-comment-header-12487647" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487647" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487647" href="http://www.mortgagemediationgroup.com/" target="_blank" rel="nofollow">John Blanks</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487647" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487647" class="dsq-comment-message">Agree with your sentiment Jay - "let the economic laws and market dynamics play out". Unfortunately a "crisis" is too much for politicians, policy makers and bureaucrats to not take full advantage of for their own gains.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487648">\
	 <div id="dsq-comment-header-12487648" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487648" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487648" href="http://www.joepryor.com/" target="_blank" rel="nofollow">JoePryor.com Oklahoma Investme</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487648" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487648" class="dsq-comment-message">Jay, you make fine points, and you went all the way back to Adam Smith! Remember Adam didn\'t anticipate labor unions so maybe we can have some modification on his economic theories. I would agree with you up to a point, but I do think that the government having programs to fix mortgages at an affordable rate, is like the government becoming a short sale specialist. I know the distrust in government folks out their will see this as a left wing conspiracy, but after TARP, shouldn\'t something be done for the homeowner? Le cat is out of le bag.<br><br>&lt;<a href="http://abbr%3E%3Cem%3E%3C/em%3E%3C/abbr%3E%3Cabbr%3E%3Cem%3EJoePryor.com" rel="nofollow">abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>JoePryor.com</a> Oklahoma Investment Realtor&#180;s last blog post..<a href="http://joepryor.com/2009/06/07/oklahoma-city-real-estate-ahs-appraisal-problems-too/" rel="nofollow">Oklahoma City real estate has appraisal problems too</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487649">\
	 <div id="dsq-comment-header-12487649" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487649" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487649" href="http://www.arizonarealestatehome.com/" target="_blank" rel="nofollow">Steve@Tempe Real Estate and Ho</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487649" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487649" class="dsq-comment-message">Jay, if you\'re going to say something this wise, you need to make sure people read it.  Shout this from the top of Camelback!<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Steve&#180;s last blog post..<a href="http://arizonarealestatehome.com/tempe-homes-for-sale/85284/342500-224-w-calle-monte-vista-drive-tempe-az-85284" rel="nofollow">$342,500 :: 224 W Calle Monte Vista Drive, Tempe AZ, 85284</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487650">\
	 <div id="dsq-comment-header-12487650" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487650" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12487650">stephen</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487650" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487650" class="dsq-comment-message">A few words on economic theory.....<br><br>The invisible hand really does not exist. <br>The Wealth of Nations was written in a time when slavery was one of the largest industries in America. It was written before we had a stock market, 150 years before there was ever a major stock market crash. <br>People very seldom act with rational self-interest. <br>Supply &amp; Demand or General Equilibrium theory assume infinite amounts of capital, "perfect knowledge" &amp; 100% market access. None of which has ever actually existed.<br><br>The absolute most important economic consideration for a working free market economy is RISK!!!!!<br><br>Risk is what is supposed to set your rates of return. Risk is what is supposed to set your costs of borrowing and levels of lending. <br><br>What should the government do?<br>Bust all the large financial institutions into thousands of small banks. Large institutions have too much sway in access to capital, investment pricing &amp; they skew risk in crazy ways.<br>The government should also invest tons &amp; tons of money in national infrastructure. <br><br><br>What I\'d really like to see is voiding every CDO, CDS, MBS and any mortgage insurance policy held by any financial institution with a government stake &amp; offer every available title over on a nationwide online auction or "Oklahoma land-rush" style lottery. Yee-Haw.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487651">\
	 <div id="dsq-comment-header-12487651" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487651" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487651" href="http://www.PhoenixRealEstateGuy.com/" target="_blank" rel="nofollow">Jay Thompson</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487651" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487651" class="dsq-comment-message">"The Wealth of Nations was written in a time when slavery was one of the largest industries in America. It was written before we had a stock market, 150 years before there was ever a major stock market crash."<br><br>So was the Constitution.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487652">\
	 <div id="dsq-comment-header-12487652" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487652" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487652" href="http://www.fortworth-texas-real-estate.com/" target="_blank" rel="nofollow">Ashlee FW</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487652" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487652" class="dsq-comment-message">Hit the nail on the head with this one!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487653">\
	 <div id="dsq-comment-header-12487653" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487653" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487653" href="http://springtexashomesforsale.com/category/spring-master-planned-communities/spring-trails/" target="_blank" rel="nofollow">James Wheelock@Spring Trails</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487653" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487653" class="dsq-comment-message">@Jay - I agree with some items in your post, but completely disagree with your conclusion that government should stay out of it. In addition I would like to step up to your challenge of suggesting a fix to the foreclosure problem. I feel that the depth I would need to go into would be best as a post rather than a simple comment. I have emailed you about making a guest post on the topic to be posted to your blog.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>James Wheelock&#180;s last blog post..<a href="http://springtexashomesforsale.com/173900-25318-powerline-pass-dr-spring-tx-77373-2/" rel="nofollow">$173,900 :: 25318 Powerline Pass Dr, Spring TX, 77373</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487654">\
	 <div id="dsq-comment-header-12487654" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487654" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487654" href="http://www.sdrealtypros.com/la-jolla-homes/" target="_blank" rel="nofollow">La Jolla Homes</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487654" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487654" class="dsq-comment-message">I\'ve become very uncomfortable with the idea of the federal and state governments manipulating the local housing markets.  I continue to believe that real estate is a local phenomenon, and umbrella intervention will likely do more harm than good.  We\'ve had several rounds of foreclosure moratoriums (moratoria?), and another informal moratorium has apparently been imposed for California.  The result has been a dwindling supply of homes for sale in San Diego.  Prices are pushing up and overbidding has become the norm as buyers compete for the discounted distress sales.  There is talk of a backlog of foreclosure inventory, and we could really use more foreclosure properties on the market in San Diego right now.  It should be the local banks and local asset managers who decide when and how many foreclosure properties to release.  By looking at California as a whole, the policy makers are equating conditions in San Diego to conditions in Riverside Counties when in fact the markets could not be more different.  A responsible policy would be to spread out the administrative decision making over smaller regions to better account for and deal with local real estate market trends.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>La Jolla Homes&#180;s last blog post..<a href="http://www.sdrealtypros.com/blog/credit-san-diego-home-buyers/" rel="nofollow">$8000 San Diego Home Buyer Credit</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487655">\
	 <div id="dsq-comment-header-12487655" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487655" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487655" href="http://www.answerstash.com/" target="_blank" rel="nofollow">Montana</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487655" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487655" class="dsq-comment-message">Of course everything will self regulate, but do we have the time to wait? A regulation cycle may take 200, 500,1000 years, no one has really speculated with any proof on the length of naturally occuring cycles. Kondratieff and co have only given intervals of time with no tangible proof.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487656">\
	 <div id="dsq-comment-header-12487656" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487656" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487656" href="http://www.augustalistingexpert.com" target="_blank" rel="nofollow">JoeLoomer</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487656" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487656" class="dsq-comment-message">Responded to this post, then ended up on doctorhousingbubble.  If even half of his datum are correct on his post - then it\'s simply impossible to do nothing.  That or make the banks eat it - which will probably result in the demise of Wells Fargo if not other major banks.   Not saying that\'s completely a bad thing - but the "as sad as that is" you mention will be very dire indeed.<br><br>Navy Chief, Navy Pride<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Joe&#180;s last blog post..<a href="http://www.augustalistingexpert.com/Blog/Tax-Credit-Authorized-for-1st-Time-Homebuyers" rel="nofollow">Tax Credit Authorized for 1st Time Homebuyers</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487657">\
	 <div id="dsq-comment-header-12487657" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487657" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487657" href="http://www.foreclosuretruth.com/" target="_blank" rel="nofollow">Sean OToole</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487657" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487657" class="dsq-comment-message">Jay - I generally agree with you and would prefer less government intervention. The one thing to keep in mind is that it was government "fixes" that got us here in the first place, including, but hardly limited to:<br>1) 250/500k tax credit which incentivized speculation instead of ownership<br>2) bank deregulation (specifically the financial services and commodity futures modernization acts)<br>3) interest rate manipulation (after dot com bubble)<br>4) home interest tax deduction (govt incentive to own vs. rent)<br>So my question is to you... if doing nothing is the right choice, does that start now, and do we leave all the things that were already done in place? Or do we undo all the prior "fixes" too? Taking it to the extreme should we abolish the Fed as Andrew Jackson did, or perhaps just the Fed\'s ability to manipulate interest rates? Where do you draw the line?<br>Personally I\'ve come to the conclusion that this bubble is too big not to fix. Unfortunately I don\'t think we have the political will at this point to do what will ultimately be necessary. I\'ve written up my take on a fix at <a href="http://foreclosuretruth.com" rel="nofollow">foreclosuretruth.com</a>.<br>Best,<br>Sean<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Sean OToole&#180;s last blog post..<a href="http://www.foreclosuretruth.com/blog/sean/twelve-percent-mortgages-now-past-due-foreclosure-clearly-not-problem-anymore" rel="nofollow">Twelve percent of mortgages now past due - foreclosure is clearly not the problem anymore</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487658">\
	 <div id="dsq-comment-header-12487658" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487658" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487658" href="http://www.3poundsofrealestate.com/" target="_blank" rel="nofollow">rob aubrey@ 3 Pounds of Real E</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487658" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487658" class="dsq-comment-message">Sean what 250/500 k tax credit are you talking about? Do you mean 250/500 tax exemption.<br><br>While it may appear as an intervention, I view that as removing a punitive tax.  Now I realize the system gets manipulated, but people should not be taxed for gaining equity in a primary residence. Typically their equity was built with after tax earnings (barring interest deductions).<br><br>Rate manipulation will give false values and stop prices in some areas from going down some. But if the rates go up a little to quickly there will be a new group of homeowners upside down. I am quite sure that was  not the plan but...<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>rob aubrey&#180;s last blog post..<a href="http://3poundsofrealestate.com/2009/05/31/wahoo-we-are-somebody/" rel="nofollow">Wahoo We Are Somebody</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487662">\
	 <div id="dsq-comment-header-12487662" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487662" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487662" href="http://www.foreclosuretruth.com/" target="_blank" rel="nofollow">Sean OToole</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487662" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487662" class="dsq-comment-message">Yep, meant exemption, not credit. I disagree that taxable equity is built with after tax earnings. Only gains above the original purchase price are taxable, and its impossible to create gains with after tax earnings by definition (sorry making payments on debt isn\'t what creates appreciation).<br><br>If we continue to allow these gains to be TAX FREE, then we incentivize people to speculate with their primary residence. This is going to have serious long term consequences as baby boomers have been encouraged to play monopoly rather than pay down debt. Boomer\'s parents largely entered retirement in free and clear homes, while baby boomers are approaching that life event loaded with mortgage debt. It is a coming disaster that most haven\'t realized yet.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Sean OToole&#180;s last blog post..<a href="http://www.foreclosuretruth.com/blog/sean/twelve-percent-mortgages-now-past-due-foreclosure-clearly-not-problem-anymore" rel="nofollow">Twelve percent of mortgages now past due - foreclosure is clearly not the problem anymore</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487659">\
	 <div id="dsq-comment-header-12487659" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487659" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487659" href="http://www.BrewerCaldwellinvestmentproperties.com/" target="_blank" rel="nofollow">Brewer Caldwell</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487659" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487659" class="dsq-comment-message">In the long run, it seems as though the government is contributing in creating a spoiled society. If people are used to being bailed out all the time, it really doesnt fix anything. I tend to agree, economic problems tend to NATURALLY work themselves out in time. But,, I do think that a way that may help is loan modifications. I dont believe bail out money is the answer. I personally feel that loan mods might be a healthy step that wouldnt hurt. Any suggestions on that?? Thanks for the article.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Brewer Caldwell&#180;s last blog post..<a href="http://www.brewercaldwellinvestmentproperties.com/2008/12/18/brewer-caldwell-is-the-best/" rel="nofollow">Brewer Caldwell is the BEST</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487660">\
	 <div id="dsq-comment-header-12487660" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487660" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487660" href="http://www.brantfordrealestateguy.com/" target="_blank" rel="nofollow">Brantford Real estate</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487660" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487660" class="dsq-comment-message">I agree, let this unfold naturally but that would just make too much sense.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Brantford Real estate&#180;s last blog post..<a href="http://www.brantfordrealestateguy.com/brantford-real-estate/save-payment/" rel="nofollow">How to Save up for a Down Payment</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487663">\
	 <div id="dsq-comment-header-12487663" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487663" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487663" href="http://twitter.com/seanotoole/statuses/2095903501" target="_blank" rel="nofollow">seanotoole (Sean)</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487663" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487663" class="dsq-comment-message">Just commented on Jay Thompson\'s blog: <a href="http://tinyurl.com/rasrq6" rel="nofollow">http://tinyurl.com/rasrq6</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487661">\
	 <div id="dsq-comment-header-12487661" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487661" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12487661">DavidDock</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487661" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487661" class="dsq-comment-message">I appreciate the concern which is been rose. The things need to be sorted out because it’s not about the individual but it can be with everyone.I do think that a way that may help is loan modifications. I dont believe bail out money is the answer. I personally feel that loan mods might be a healthy step that wouldnt hurt.<br><br><a href="http://www.bikeintercom.com/products/ridemate.htm" rel="nofollow">Bluetooth Motorcycle Intercom</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487664">\
	 <div id="dsq-comment-header-12487664" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487664" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487664" href="http://www.sunnyislesmiamirealestate.com/Miami-Beach/Homes-For-Sale/" target="_blank" rel="nofollow">Leon Belenky-Miami Beach Luxur</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487664" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487664" class="dsq-comment-message">Couldn\'t have said it better myself-letting it work itself out is the best. It seems to me that by "bailing out" everyone, we are just simply artificially keeping everything higher than it should be and eventually it will come down, no matter how much money we throw at it. Supply and Demand is far stronger than any billions of bailout and we should just let it do its magic.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487665">\
	 <div id="dsq-comment-header-12487665" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487665" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487665" href="http://www.freerealestateeducation.com/" target="_blank" rel="nofollow">Marty Boardman</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487665" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487665" class="dsq-comment-message">Loan modification, with a significant reduction in principal balance to within 10% of market value, done voluntarily by the lender to borrowers with sufficient income, is a step in the right direction.  Otherwise, the do-nothing approach may be the best strategy.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Marty Boardman&#180;s last blog post..<a href="http://freerealestateeducation.wordpress.com/2009/06/10/foreclosure-2-0-mortgage-running/" rel="nofollow">Foreclosure 2.0:  Mortgage Running</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487666">\
	 <div id="dsq-comment-header-12487666" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487666" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487666" href="http://www.greaterraleighrealty.com/Cary.php" target="_blank" rel="nofollow">Cary NC Real Estate</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487666" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487666" class="dsq-comment-message">Amen!  You make several great points here.  Like Sean OToole said, relying on the government to get us out of this mess seems ridiculous when you consider all the things the government did to land us in this mess in the first place.  Another great post!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487667">\
	 <div id="dsq-comment-header-12487667" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487667" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487667" href="http://GregoryBain.com/" target="_blank" rel="nofollow">Gregory Bain</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487667" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487667" class="dsq-comment-message">Loan Modifications? What is that? Some sort of Orwellian doublespeak? Whatever happened to, "say what you mean, mean what you say"? A modificaton to a loan is an adjustment on the interest rate or length of time to the terms. It is not a forgiveness of debt. We now have a bunch of weasles threatening banks that they will walk if they can\'t get their own way. I say let them walk and the credit report will follow.  Stupid has risen to it\'s own level of Stupid.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487668">\
	 <div id="dsq-comment-header-12487668" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487668" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487668" href="http://www.foreclosuretruth.com/" target="_blank" rel="nofollow">Sean OToole</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487668" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487668" class="dsq-comment-message">Perhaps Gregory, but lets be clear the "stupidest of all" were those who believed real estate only goes up, and therefore thought it was a good idea to make loans for more than double the intrinsic value of properties. The reality is that we have $4 Trillion in excess mortgage debt in this country, that borrowers simply don\'t have the ability to repay, and it is now choking our economy and hurting everyone. How long should we all suffer for the mistakes made by Greenspan, politicians and banksters? If we are going to have bailouts, I\'d personally rather bailout borrowers than banksters.<br><br>Many who came to this country actually did so to escape "rentiers" who used their land holdings to enslave and manipulate debtors. One could argue we\'ve returned to that through mortgage debt. The original definition of "free" markets was actually to be free from these rentiers (includes not just landlords, but anyone who extracts income from holdings rather than production). Kills me to now see "free markets" misused to defend and bailout the rentiers while blaming the debtors.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Sean OToole&#180;s last blog post..<a href="http://www.foreclosuretruth.com/blog/sean/twelve-percent-mortgages-now-past-due-foreclosure-clearly-not-problem-anymore" rel="nofollow">Twelve percent of mortgages now past due - foreclosure is clearly not the problem anymore</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487671">\
	 <div id="dsq-comment-header-12487671" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487671" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487671" href="http://blog.MileHighUrbanLiving.com/" target="_blank" rel="nofollow">Derec@Denver Mile High Urban L</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487671" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487671" class="dsq-comment-message">I remember sitting with a lender almost three years ago for a personal investment property.  He was trying to convince me that a negative amortization loan was the way to go if I were a serious investor since real estate appreciates at 6% a year, the interest rates were 6% and I could make 10-15% investing the payment difference in the stock market.  <br><br>Luckily I didn\'t go that route but there are many who did, especially when it was framed as the way to go for sophisticated investors!<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Derec&#180;s last blog post..<a href="http://feedproxy.google.com/~r/MileHighUrbanLiving/CVlO/~3/kLJeii9Bzw8/energy-audits-for-your-metro-denver-home-from-xcel.html" rel="nofollow">Energy Audits for Your Metro Denver Home from Xcel</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487669">\
	 <div id="dsq-comment-header-12487669" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487669" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487669" href="http://www.freerealestateeducation.com/" target="_blank" rel="nofollow">Marty Boardman</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487669" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487669" class="dsq-comment-message">Call it whatever you like...a loan modification or forgiveness of debt.  The discussion is about fixing the foreclosure crisis.  If a homeowner walks as you propose there will certainly be even more foreclosures on the horizon.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Marty Boardman&#180;s last blog post..<a href="http://freerealestateeducation.wordpress.com/2009/06/10/foreclosure-2-0-mortgage-running/" rel="nofollow">Foreclosure 2.0:  Mortgage Running</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487670">\
	 <div id="dsq-comment-header-12487670" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487670" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487670" href="http://www.ask4greg.com/" target="_blank" rel="nofollow">Gregory Bain</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487670" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487670" class="dsq-comment-message">Sean and Marty, I am more in your camp than you may think. And, I do beleive there are workable solutions to the economic problems we face that require our government to fix. It just yanks my shorts to hear the political correct soft words rather than calling a spade a spade. The problems with getting anything done is the twisting of the language to call rain liquid sunshine. The ones I am angry with are the ones that " “Saw everyone else milking the system and tried to get my piece of the action " - let them walk.<br><br>I\'ve been hurt more by this foolishness because I didn\'t try to get in on the action. I sold homes to people who could afford to buy them and put money aside in a 401K so there would be a safety net for me and my family. I didn\'t realize the white collar MBA criminals were going to wipe me out along with those that over extended themselves with homes they could not afford.<br><br>Well, at least I get to watch Trump say "you\'re fired" on cable TV at night.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487673">\
	 <div id="dsq-comment-header-12487673" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487673" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487673" href="http://www.remaxottawa.ca/" target="_blank" rel="nofollow">Bobbie McGowan-RE/MAX Ottawa</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487673" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487673" class="dsq-comment-message">I belive you are right-items like this, where it is based on supply and demand, work themselves out quite nicely when just left alone.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487674">\
	 <div id="dsq-comment-header-12487674" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487674" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487674" href="http://blog.sunnyislesmiamirealestate.com/" target="_blank" rel="nofollow">Leon Blenky-Miami Beach Luxury</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487674" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487674" class="dsq-comment-message">Letting the economy ride itself out is one if the smartest bits of economic advice I have heard out there-it is one Dave Ramsey is pushing for, along with other economic "pros"-and in the long run, it looks like no matter the amount of bailouts given, the economy is going to do what it has to do-either now or later-but it will happen.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Leon Blenky-Miami Beach Luxury Homes&#180;s last blog post..<a href="http://blog.sunnyislesmiamirealestate.com/sunny-isles-real-estate/acqualina-condo-hotel-in-sunny-isles-beach-presents-great-wine/" rel="nofollow">Acqualina Condo Hotel In Sunny Isles Beach Presents Great Wine Tasting</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487675">\
	 <div id="dsq-comment-header-12487675" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487675" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487675" href="http://www.infoprimes.com/assurance-vie/" target="_blank" rel="nofollow">Logan@assurance deces</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487675" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487675" class="dsq-comment-message">The economy is a circular cycle and recession is just a part of it. So, one of these days the economy will definitely get better whether we like it or not. And even if we don\'t do anything about it.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487676">\
	 <div id="dsq-comment-header-12487676" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487676" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487676" href="http://www.century21humpal.com/" target="_blank" rel="nofollow">Jason Humpal-Loveland Real Est</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487676" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487676" class="dsq-comment-message">I agree with you; the economy will take care of itself if we allow it to just work out the supply and demand ratio. And no matter what we do to try to "fix" it, the economy will do what it needs to do to get healthy, regardless of bailouts.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12487677">\
	 <div id="dsq-comment-header-12487677" class="dsq-comment-header">\
	 <cite id="dsq-cite-12487677" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12487677" href="http://rainwatertanksinadelaide.com.au/" target="_blank" rel="nofollow">Aaron@Water Tanks</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12487677" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12487677" class="dsq-comment-message">Great post Jay.<br><br>It doesn\'t really matter if the government fixes the problem or not, given time, the real estate market will improve due to the equilibrium between supply and demand that you explained. Just have to bare the economic pain until that time.<br><br>&lt;abbr&gt;<em></em>&lt;/abbr&gt;&lt;abbr&gt;<em>Aaron&#180;s last blog post..<a href="http://rainwatertanksinadelaide.com.au/metal-rainwater-tanks-in-adelaide" rel="nofollow">Metal Rainwater Tanks in Adelaide</a></em>&lt;/abbr&gt;</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12571544">\
	 <div id="dsq-comment-header-12571544" class="dsq-comment-header">\
	 <cite id="dsq-cite-12571544" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12571544" href="http://www.bpos4reos.com" target="_blank" rel="nofollow">jamesegallagher</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12571544" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12571544" class="dsq-comment-message">Politicians aren\'t as interested in solutions to problems as they are interested in appearing to be doing something. Affordable housing is a perfect example. In my neck of the woods (CA) politicians have been screaming for years about the overiding need for affordable housing. Well now we have it but they don\'t want to talk about affordability anymore. Politicians weren\'t really interested in affordable housing they were interested in being perceived as caring about affordable housing. The market has delivered exactly what the wanted but they aren\'t happy. The incredible thing is that is is the law of unintended consequences that created the affordable housing. Bad lending policy designed to increase home ownership leads to unaffordable housing but is unsustainable so the invisible hand of the market bitchslaps the housing market. The unintended consequence of their attempts to create affordable housing worked but they did it the hard way.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-13248589">\
	 <div id="dsq-comment-header-13248589" class="dsq-comment-header">\
	 <cite id="dsq-cite-13248589" class="dsq-comment-cite">\
	 <a id="dsq-author-user-13248589" href="http://www.cupider.com/" target="_blank" rel="nofollow">Kate</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-13248589" class="dsq-comment-body">\
	 <div id="dsq-comment-message-13248589" class="dsq-comment-message">Or just use wordpress 2.8, I think it has spam filters built in</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-15469901">\
	 <div id="dsq-comment-header-15469901" class="dsq-comment-header">\
	 <cite id="dsq-cite-15469901" class="dsq-comment-cite">\
	 <span id="dsq-author-user-15469901">Florida Broker/Appraiser</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-15469901" class="dsq-comment-body">\
	 <div id="dsq-comment-message-15469901" class="dsq-comment-message">In order to FIX the nation\'s foreclosure problem one must FIRST understand what continues to DRIVE it. <br><br>The Foreclosure Mess - A PROPOSED SOLUTION<br><a href="http://www.the-office.com/foreclosure-solution.htm" rel="nofollow">http://www.the-office.com/foreclosure-solution.htm</a><br><br>"WE CAN KEEP PEOPLE IN THEIR HOMES -<br>LET LENDERS PROFIT LATER FOR EASING TERMS NOW"<br>By Andrew Caplin, Thomas Cooley, Noel Cunningham, and Mitchell Engler<br><br>(Mr. Caplin is an economics professor and co-director of the Center for Experimental Social Science at New York University. Mr. Cooley is dean of the Stern School of Business at NYU. Mr. Cunningham is a law professor at NYU. Mr. Engler is a professor at the Benjamin. N. Cardozo School of Law.)</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=tpreg&t=how_the_government_can_fix_the_foreclosure_crisis&to_redirect=' + encodeURIComponent(window.location) + '&ifrs=' + encodeURIComponent(disqus_iframe_css);
			}
		}
	}

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

	



	window.ExecuteWhen = (function () {
	var obj = {}
	
	// Private
	var running = false;
	var timer = null;
	var pending = [];
	var startTimer = function() {
		running = true;
		timer = setInterval(obj.heartBeat, 100);
	};
	var stopTimer = function() {
		running = false;
		clearInterval(timer);
	};
	
	// Public
	obj.add = function (condition, code) {
		pending.push([condition,code]);
		this.heartBeat(); //!
		if (!running) {
			startTimer();
		}
	};
	obj.heartBeat = function() {
		if (!pending.length) {
			stopTimer();
		}
		var newPending = [];
		for (var i=0; i<pending.length; i++) {
			var cond = pending[i][0];
			var code = pending[i][1];
			// FIXME: if cond or code throw an error, they never get removed from pending
			if (cond()){
				code();
			}
			else {
				newPending.push([cond, code]);
			}
		}
		pending = newPending;
	};
	return obj;
})();

// also used in embed_thread.js:
window.fbIsReady = function () {return window.FB && FB.init;};
// NOTE: This script gets executed again without threadEl
//       set when we are loaded again as the fbc_receiver.
//       In this case, we don't need the hidden container.

if(!window.FB || !FB.init) {
	if(window.Dsq && Dsq.container) {
		// container is not present when init.js is loaded from an xd-receiver iframe; in this case,
		// we don't need the FB_HiddenContainer anyway.
		var fbDiv = document.createElement('div');
		fbDiv.id = "FB_HiddenContainer";	// Required or else FeatureLoader will execute a document.write.
		fbDiv.style.position = 'absolute';	// This is intentionally not setting display to none as this breaks
		fbDiv.style.top = '-10000px';		// Flash in Safari.
		fbDiv.style.left = '-10000px';
		fbDiv.style.width = '0px';
		fbDiv.style.height = '0px';
		Dsq.container.appendChild(fbDiv);
	}
	var fbJS = document.createElement('script');
	fbJS.type = "text/javascript";
	fbJS.src = "http://static.ak.connect.facebook.com/js/api_lib/v0.4/FeatureLoader.js.php";
	document.getElementsByTagName('head')[0].appendChild(fbJS);

	ExecuteWhen.add(window.fbIsReady,
		function () {
			// HACK: This is a workaround FBC's single domain limitation by
			//		 allowing sites to create multiple forums with different
			//		 Facebook API keys.  This must be used in conjunction with
			//		 disqus_facebook_forum (see authenticateFacebook).
			var facebook_api_key = 'b7c57e0bf778127562deb90a323ed0ec';
			if (typeof disqus_facebook_api_key != 'undefined') {
				facebook_api_key = disqus_facebook_api_key;
			}

			FB.init(facebook_api_key, window.facebookXdReceiverPath || null,
				{fetchSignedPublicSessionData: true});
		});
}


	


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');
}

})();




