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"real_date": "2009-07-13_18:36:40", "killed": false, "user_key": "richad", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12610696": {"up_voted": false, "ip": "", "has_replies": false, "message": "What the HEL? is a matter with you??? Let them fail and lose their homes and let responsible borrowers pick them up who will pay. STOP kicking the can down the road you fool!!<br><br>My God what has the media and people like yourself done with your collective minds and more importantly souls?<br><br>SHAME ON YOU ALL!!!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-13_19:52:47", "killed": false, "user_key": "Stu1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12609162": {"up_voted": false, "ip": "", "has_replies": false, "message": "The majority and I mean the vast majority of the housing crisis is due directly to unregulated, illegal, misrepresented, preditory, low down lending. Going unprosecuted because obviously once your in a financial bind you can't afford adequate legal representation, even if major lending laws were broke. The banks know this and have deep pockets with teams of lawyers to step on you like a bug if you dare tried to enforce the law. We've helped them grow stronger with dollars so this can continue. We've helped them screw us!  Illegal lending should be prosecuted to the fullest extent of the law, and the homeowners need representation, not a modification of something that was illegal to begin with. And your right, everybody should stop paying the banks one red cent. And stand your ground, out right revolt.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-13_19:02:21", "killed": false, "user_key": "1lowelisamarie1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12622478": {"up_voted": false, "ip": "", "has_replies": false, "message": "Why must we spend a disproportionate amount of money to support a tiny minority of the population. Less than 10% of the population is in trouble with a mortgage. More than 30% of the population rents their home. Those people are having their tax dollars used against them to prop up the 10%. <br><br>The forrest fire that we're experiencing now is healthy and necessary. Even with the massive declines that we've seen over the last two years, homes are still way over priced with respect to historic norms, personal income and costs of renting. When home prices get back to their 100 year trend line which parallels inflation, then we will have hit a natural and normal bottom. Until then, nobody in their right mind should be buying a house, especially first time buyers.<br><br>Its the constant meddling that the author of this article suggests, that got us into this mess in the first place.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_06:11:47", "killed": false, "user_key": "Dead_End", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12617615": {"up_voted": false, "ip": "", "has_replies": false, "message": "While you're at it, how about giving me a free house? I worked tons of hours and (at times) multiple jobs and held off buying until I could put down a substantial down payment on a decent home without taking on debt I couldn't reasonably pay off. So now I'm supposed to pay off other people's mortgages while I continue to rent and the government props up house prices? AS IF!!", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_00:14:06", "killed": false, "user_key": "822a23595fc880e6ede5cd1d6a35e03c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": 12608731, "depth": 3, "points": 0, "author_is_creator": false, "is_realtime": false}, "12619284": {"up_voted": false, "ip": "", "has_replies": false, "message": "If the government stopped messing with the housing market and let prices fall, I can buy a house for 100% cash tomorrow morning. I am waiting for the inevitable drop, and watching the government's efforts with great amusement.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_01:26:47", "killed": false, "user_key": "frugalsam", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12574614": {"up_voted": false, "ip": "", "has_replies": true, "message": "\"Congress and the Obama Administration need to move boldly to stop foreclosures, requiring lenders to go beyond what Calculated Risk dubs \u201cextend and pretend\u201d repayment plans, and actually write down loan balances.\"<br><br>The economy is autonomous and it does not take its marching orders from Washington. The optimal solution is to let professionals in the private sector cope with the problems at hand. Unfortunately today our elected officials are woefully out of touch with anything outside the Beltway, power-hungry, out of control, and responsible to no one.<br><br>The president and Congress will discover as many of us did months ago that the economic collapse isn't over, and that it cannot be prevented.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-13_08:50:29", "killed": false, "user_key": "1bd464696ed88d18fa9adbef8181ba32", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 3, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12732312": {"up_voted": false, "ip": "", "has_replies": false, "message": "I read this article this evening and then I was anxious to read the comments below, since I have been in the lending industry for 22 yrs.  First let me say that I feel LisaMarie1 is completely wrong in blaming the lenders for this complete fall out.  Just my opinion, I know, but I feel we ALL have a responsiblity in what happened (or those in trouble now due to loan changes) and is continueing to happen.  Flat out GREED is what caused this situation and the end results were forseen ahead of time.  But instant cash and gratification and live for today and worry about tomorrow or let the next guy worry about tomorrow won out. It had to be for it is simple math and common sense.  Investors offered to the public a way to purchase a home off of a credit score without verifying their income and/or assets And with little money/investment in the transaction, towards the end.<br>They knew if they offered it to the public they would go for it.  They knew most of these loans were \"lies\" per say, otherwise why would someone who truly qualified for a loan take a higher interest rate and do one the of the many no doc loans?  That is common sense.  <br>These loans were initially meant for self employed borrowers whos bottom line taxable income was $30,000, though their income before write offs was  $160,000.  (just an example folks and a realistic one).  You could see where the income was coming from, you could see that though the taxable income was only $30,000, they carried a mortgage or rent of $1500 fine along with two car payments in the family and a few credits cards just fine and on time.  They took advantage of the \"paper\" write offs the IRS allows.  These loans made sense to me.  Not to mention, the money/investment involved was 20%.<br>Then they offered these loans to salaried borrowers.  Why?  Then they reduced the down payment all the way to 5% and even offered the 80/20 programs.  These were not all coming from non-conforming lenders.  FNMA and FHLMC jumped in early in the game.  Then the grand finaly was you don't have to show us where the money is coming from.  Basically, we don't want to know.<br>Where do the lenders get these programs?  WallStreet.  FHA and VA did not participate in such things.  As much as I hate to see the government now controlling our housing, I have to look at what the government could have and should have done to stop this disaster.  I was not happy to hear that they took over 80% of those agencies who have 50% of our mortgages.  When you look at those, existing FHA and VA loans, how much is left to the private sector?  It is pretty dam scary to me.  However, I have to look at the fact that this would not have happend to this magnitude if the government had stepped in years ago and said no, you can't do this.  There are limits.  But instead, much of the government was pushing to make homes more affordable to those that they felt \"deserved\" home ownership and were just less fortunate individuals.  They pushed and pushed.  They did not help these people, they helped them bury themselves!<br>If I have heard \"every american deserves home ownership\" once, I have heard it a million times and it makes me sick.  We \"deserve\" nothing.  America gives us the \"opportunity\" to EARN home ownership and many other things.  It is a wonderful place and we are all blessed because of that opportunity.....not freeby.<br>So Lisamarie1, you are probably wondering by now, how do I feel differently than you?  Because of the statement above.  Because we as stupid consumers bought into this thought.  We bought into the BS.  And, we are responsible for ourselves, and no one else.  I am not directing my comments directly at you, for I read all of the ones on here tonight.  You just wrote the most is all.  I disagree with many of them, as I am sure many will disagree with me.  <br>These things that we are seeing now did not start with the no-doc program.  It goes all the way to the credit scoring system, that took years to pass.  I felt it was a screwed up system from the beginning, and this just shows even more that it is a screwed up system.  They said, hey if your credit score is 680 or better, you deserve to buy any home of your choice.  Have faith in yourself because we have faith in you.  Any one who has credit such as this, will find a way to make the payment.  <br>There are many reasons the credit score system is a bad system and I can go into my reasons should anyone be interested in hearing it!  <br>Let me clarify once again before I go into this more.  I am NOT a fan of the government controlling our housing market!!!  Or what I should say is, Owning the homes we live in.  That is a much better way of putting it I guess.  I have to look at the FHA manual (4155) that allows for compensating factors a borrower may have to give \"room\" for the buyer to qualify outside of the box you might say.  It specifically states that a lender can Not use good credit as a compensating factor.  Good credit is expected, for borrowers are expected pay their bills on time.  Where did this principal go?  Out the window it appears.  Having good credit (which should not necessarily mean perfect credit) is a part of a person EARNING home ownership, but should not be the only factor.  Income, assets and debt ratios play a role in the qualifying part of a loan.  They have to regardless of who you are and what a \"score\" says.  <br>Can you blame a WAMU or AHM or Bank of America, Mortgage Brokers and/or their loan officers?  Not really.  When the industry goes one way in such a mass as it did, and the individual loan officer says I can do this loan for you, but I won't, they loose their job and they have a family to feed.  When a broker or lender says we are not going to participate in this madness, people go and get it some where else and that company suffers greatly or goes under.  The flood gates were wide open on these programs and pushed every where.  In the past these loans might have represented 5% at best of the pipeline.  The last couple of years, they were 50% or more of the pipelines.  <br>I am simply asking you to not put all the blame in one basket.  We are all responsible for ourselves.  The comment of the LO telling the borrower that this rate is just for one year for you can refinance in one year.  Since when does the LO have a crystal ball on the future?  How do they know the value of your home will continue to rise?  How do they know what the rate will be in a year?  Okay, not the average consumers profession.  But that is blind faith.  Who is at fault for having blind faith concerning things that we all should know, no individual has control over.<br>There is so much that I could go into, and this is far to long as it is.  But seriously, too much time is put into \"who is to blame\" rather than a solution and compromising on fixing this mess.  Blame is a waste of time when trying to discuss how do we turn this around.  We have to look forward and seek out real solutions; and yes, I agree totally, not just a Bandaid to the problem.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-16_02:31:27", "killed": false, "user_key": "debbysue", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "13784857": {"up_voted": false, "ip": "", "has_replies": false, "message": "Just checking in. Your right about one thing whoever, It does seem like an old delapitated home would for sure lose value not appreciate. I would much rather have a nice new home with all the modern updates.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-01_13:06:28", "killed": false, "user_key": "1lowelisamarie1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12618396": {"up_voted": false, "ip": "", "has_replies": false, "message": "The only real solution is foreclosure. You can't write down principal balances.  What kind of solution is that? And what do those of us that didn't buy homes we could not afford get? Am I going to get a principal write down even though I can afford my home?  Or do I have to stop making payments so \"I get my piece of the bailout pie\"??  I'm certainly willing to stop making payments if I can knock $100k off my loan. Everyone I work with says the same thing, If the banks start writing down principal balances they will stop making payments so they get a reduction too. <br><br>Let the foreclosures happen. When prices return to levels average families can afford the homes will sell. And those families will have enough money left after paying the mortgage to spend on consumer goods. That is how our economy will recover. Not by having the government hand out freeking $500 stimulus checks.  Our consumer driven economy would be going like gangbusters if housing was affordable.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_00:58:24", "killed": false, "user_key": "golfproz", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12891680": {"up_voted": false, "ip": "", "has_replies": false, "message": "wall street lackeys now include the white house<br><br>When Geittner and Obama had the chance to push for loan modifications through the courts (bankruptcy judges)they chose wall street over main street. housing would have already started to recover if the legislation would have passed. Obama and Geittner chose to join a group of wall street lackeys - senators kyl, bayh, martinez,spectre and others rather than give homeowners a negotiating tool that would have been far more effective than anything thats been tried.Obama and Geittner are trying to save face by threatening the loan servicers (much the same way that they did with the banks that the taxpayers have bailed out)and no one is intimidated by this.The banking / mortgage interests are running this country and you can look at your elected officials campaign contributions to verify it. as long as wall street continues to pay for our elected officials votes- we don't stand a chance.perhaps next elections we (voters) should VOTE OUT all the incumbents and start over", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-18_19:16:03", "killed": false, "user_key": "jjohnson85249", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12608673": {"up_voted": false, "ip": "", "has_replies": true, "message": "That's what got is into this mess in the first place, \"professionals\" in the private sector.  Give me government amateurs any day.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-13_18:45:14", "killed": false, "user_key": "runfastandwin", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 2, "is_first_child": true, "email": "", "parent_post_id": 12574614, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "13091228": {"up_voted": false, "ip": "", "has_replies": false, "message": "anybody who thinks foreclosure is even a choice, when it can be stopped is a cold hearted snake. Where do you think these families are going to go? To the street. Small children in America in tents on the street until the states can house them, you want to talk about problems.  There are countless problems arising from foreclosures, families torn apart, education is a joke-its hard to concentrate when you dont know where your parents will put you to bed, how will you have clean school clothes, what about meals? It goes on, Health care is the least of their worries. Who gives a crap about the banks that DID cause this entire mess. The consumers did NOT come up with this game, who's bright idea was it for subprime? Some greedy bastards wanting to turn your home into profit.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-21_23:04:19", "killed": false, "user_key": "1lowelisamarie1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12611373": {"up_voted": false, "ip": "", "has_replies": false, "message": "Do you read what you write? Do you understand that most of these homeowners who are in line to lose their homes were delt illegal loans? Do you understand these were misrepresented, liar loans? Should the homeowners have been more informed and not just trusted the lender to follow federal lending laws? Yes. Should they pay for their ignorance  by losing their homes? No! Its not the homeowners who were acting irresponsible.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-13_20:04:13", "killed": false, "user_key": "1lowelisamarie1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "13494833": {"up_voted": false, "ip": "", "has_replies": false, "message": "<a href=\"http://foreclosurenv.wordpress.com/\" rel=\"nofollow\">http://foreclosurenv.wordpress.com/</a><br>NEVADA FORECLOSURE MEDIATION BLOG", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-28_23:34:11", "killed": false, "user_key": "twitter-49687599", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12657079": {"up_voted": false, "ip": "", "has_replies": false, "message": "1lowelisamarie1 get a clue....they didn't call them liar loans because the bank was lying. they called them liar loans because the people taking out the loans were lying about their income, job, assets, etc. aka NINJA (No Income, No Job, or Assets) loans. it's the duty of the borrower to read the paperwork and understand the loan before they sign the papers. the borrowers were too caught up in their greed and their fear that they weren't going to get theirs to actually read the paperwork, and figure out if they would be able to afford the loan when it adjusts or life happens. it's called responsibility. just because you were told that you could refinance later, or that they are no longer making anymore land, or that prices only go up....that doesn't mean you had to jump in. SO PAY UP!!!!!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_19:10:56", "killed": false, "user_key": "3d314321340bdfa818a6db25303d9930", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12619197": {"up_voted": false, "ip": "", "has_replies": false, "message": "Let the house of cards fall already, most modifications are just band-aid's for the time being.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_01:20:56", "killed": false, "user_key": "fcprop", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12648001": {"up_voted": false, "ip": "", "has_replies": false, "message": "Foreclosures have been a major issue of the economic recession that has hit all countries across the world. The Bush administration overlooked the foreclosure issues of the average homeowners which the Obama administration is struggling to tackle with various initiatives.<br><br>The housing delinquencies and foreclosures have seen an alarming rise in the first quarter of this financial year. Among the 34 million loans that are tracked by The Office of the Comptroller, the foreclosure rates rose by 22% and surprisingly, this is a 73% increase as compared to the same period last year. This puts forth a question whether the banks and policymakers are intelligently tackling the problem.<br><br>Recently read an onteresting article on a similar premise <br><a href=\"http://www.housingnewslive.com/is-the-housing-market-recovering.php\" rel=\"nofollow\">http://www.housingnewslive.com/is-the-housing-market-recovering.php</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_15:34:55", "killed": false, "user_key": "steve2000", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "13782597": {"up_voted": false, "ip": "", "has_replies": false, "message": "Well, with my limited understanding, can't we modify the loans+\"interest\" to take 100 years to pay off, instead of 30?  Legislate offspring into the mix?  Quit bs'ing about real property values \"always appreciate, never depreciate\" - yeah right, everything rots.  So a new house today must necessarily be worth less as time goes on.  People fake that property values increase because they're trying to recoup their interest payments, which should not be included in a property value.  Might have been truer in the pioneer development days, but rundown lived-in homes subject to natural elements DECREASE in value I am sure.  So why do we even agree to these bs loans in the first place?  Interest-free, maybe...  For sure I support converting default owners to renter tenants, and the rest to HUD until private programs evolve.  Dunno.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-08-01_11:17:45", "killed": false, "user_key": "whoever", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12581281": {"up_voted": false, "ip": "", "has_replies": false, "message": "It is really time for everyone to stop making their home mortgage payments--even if they can.<br>We the people must come together and save ourselves from the dastardly, corrupt, and heartless elite that run our country.<br>They can't hear us.<br>Stop making your payments. <br>It is the only truly patriotic and American thing you can do right now.<br>Show your support for your country, your state, your community and your neighborhood by flying the American Flag on your home to demonstrate your support for an end to the tyranny of Big Government, and Big Business and to proclaim that you are a true American Patriot and have stopped making your payments in support of freedom, justice and the people and families of our once great country.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-13_11:52:17", "killed": false, "user_key": "1jackblack1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "13008161": {"up_voted": false, "ip": "", "has_replies": false, "message": "Forceful action may be a solution of one problem but it may become a starting point of other problem. In my opinion, these too can work, i.e, modifications in existing loan plan such as  reduced interest rates, extended maturity date , changing from adjustable to fixed interest rates, and the reduced principle.<br>An interesting link to visit is <a href=\"http://www.housingnewslive.com/blog.php\" rel=\"nofollow\">http://www.housingnewslive.com/blog.php</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-21_14:30:19", "killed": false, "user_key": "rohitmahajan", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12618322": {"up_voted": false, "ip": "", "has_replies": false, "message": "Answer my question. Why can't illegal lending be prosecuted.? Why is everybody acting like its alright?  Fine, if the loan was legal we can do it your way. and I didn't say 'fair' because theres a difference between illegal and unfair. But for the loans that were truly misrepresented and in violation of federal lending laws enforce the stiffest penalties. The rest will have to see it through. Thats what would work without turning America into tent city.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_00:53:17", "killed": false, "user_key": "1lowelisamarie1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12656941": {"up_voted": false, "ip": "", "has_replies": false, "message": "You can get a free Homeowner's Guide on President Obama's \"Making Home Affordable\" plan at <a href=\"http://MortgageCreditTrauma.com?03\" rel=\"nofollow\">http://MortgageCreditTrauma.com?03</a>.  <br><br>This plan outlines the rules and eligibility guidelines for 1st & 2nd loan modifications as well as giving a Loan Comparison Chart for Countrywide/BofA, CitiGroup/CitiMortgage, IndyMac Fed Bank and JP Morgan who is also accepting Washington Mutual and EMC Mortgage Corp customers.  <br><br>Hope this helps!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_19:05:26", "killed": false, "user_key": "CreditTrauma", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12672983": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hey John, there are three types of liar loans, and yes you have described one. Then theres the broker who doctored the docs to push them through so he could make that commission, then theres the broker who tells the borrower with poor credit  and no understanding of preditory lending ,that this loan is to their benifit because it will improve their credit score and they will be financed at a better rate within 12 months and not to worry about the stated rate increase as it will never make it that far, and then before the first payment is due the homeowners loan is in a security pool because nobody ever had any intention of dealing with that home owner again. Once again I'll ask \"should a person lose his home for trusting the lender to be honest and not misrepresent the truth?\" You must be a bankster.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_22:09:52", "killed": false, "user_key": "1lowelisamarie1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12617434": {"up_voted": false, "ip": "", "has_replies": false, "message": "No one wants to hear it but the nuclear option; allowing the foreclosures to just happen is really the only option. The taxpayers will revolt if they have to pay for it, the banks have to clear out the inventory or they'll go under. Politicians can scream and gnash their teeth all they want but the nuclear option is going to happen. Politicians can only delay it not prevent it. Politicians delaying it only make it worse", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-14_00:05:12", "killed": false, "user_key": "jamesgallagher", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 1, "author_is_creator": false, "is_realtime": false}, "12608731": {"up_voted": false, "ip": "", "has_replies": true, "message": "On the other hand if we are going to start writing down the principal, let's do it for everyone, not just those in foreclosure.  Once you go down that road it's going to be hard to hit the brakes...", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-13_18:47:16", "killed": false, "user_key": "runfastandwin", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": 12608673, "depth": 2, "points": 0, "author_is_creator": false, "is_realtime": false}, "12922333": {"up_voted": false, "ip": "", "has_replies": false, "message": "I totally agree, this should have passed.  And who has it again.....WallStreet, where this mess started!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-19_13:07:12", "killed": false, "user_key": "debbysue", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12575677": {"up_voted": false, "ip": "", "has_replies": false, "message": "I'm so sick of hearing about\" what to do,\" \"what to do\", We all know what to do. The important thing at stake here is the American family. And turning us all from home owners to renters is bull-shit. Enforce the frigging lending laws and prosecute fraudulant, misrepresented loans, protect the consumers. Stop letting people (banks) dance all over like they own the joint when they don't own squat. Let the banks lose. Let them pay for for their shoddy, reckless lending practices that left most of our homes in the loan pool, and either jump in that pool and come back up with some proper legal paperwork on these homes they 'claim' they own or forfeit their interest in them.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-13_09:40:44", "killed": false, "user_key": "1lowelisamarie1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "12867316": {"up_voted": false, "ip": "", "has_replies": false, "message": "According to a retired HUD official, over 5 million home loans went to illegal aliens!  You don't have to be too smart to know that many of them would default on those loans...then you have the \"house flippers\", some just walked away when they couldn't sell the house.<br><br>Corrupt loaning practices, corrupt realtors, people buying that didn't care to pay their mortgages, corrupt Barney Frank & Chris Dodd, corrupt ACORN, all have hurt the people who try to pay, and those that are losing their homes because their jobs have gone south!<br><br>A web of deceit from the top, down!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-07-18_07:57:15", "killed": false, "user_key": "bobccc", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "4 months ago", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}}, "integration": {"receiver_url": "", "theme": 1, "reply_position": false, "disqus_logo": false}, "timer": {"timer_url": "http://localhost:8005", "thread_id": "25253035", "user_id": "anonymous", "forum_id": "34441", "hash": 459275365622630029}, "thread": {"days_alive": 0, "slug": "only_forceful_action_can_change_foreclosure_crisis_tide", "paginate": true, "num_pages": 1, "num_posts": 29, "per_page": 50, "total_posts": 29, "realtime_paused": true, "id": 25253035, "queued": false}, "reactions_limit": 10, "context": {"show_reply": true, "use_fb_connect": false, "forum_facebook_key": "", "use_yahoo": false, "subscribed": false, "use_twitter_signin": false, "use_openid": false, "realtime_speed": 5000}, "reactions_start": 0, "settings": {"debug": false, "disqus_url": "http://disqus.com", "media_url": "http://media.disqus.com"}, "media_url": "http://media.disqus.com"};
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	this.PAUSED = "paused";
	this.PAUSE = "Pause";
	this.RESUME = "Resume";
	this.SHOW = "Show";
	this.JUST_NOW = "Just now";
	this.REPLY = "Reply";
	this.EDIT = "Edit";
	this.FLAG = "Flag";
	this.MODERATE = "Moderate";
	this.CANCEL = "Cancel";
	this.REPLYING_TO = "Replying to";
	this.REPORT_MISSING_REACTIONS = "Report missing reactions";
	this.POST_A_COMMENT = "Post a comment";
	this.FLAG_INAPPROPRIATE_COMMENT = "Flag inappropriate comment";
	this.FLAGGED = "Flagged";
	this.NO = "No";
	this.YES = "Yes";
	this.NEVER_MIND = "Never mind";
	this.ARE_YOU_SURE_YOU_WOULD_LIKE_TO_REPORT_THIS_COMMENT_TO_A_MODERATOR = "Are you sure you would like to report this comment to a moderator";
	this.THIS_WILL_FLAG_COMMENTS_FOR_MODERATORS_TO_TAKE_ACTION = "This will flag comments for moderators to take action";
	this.TO_RATE_PLEASE_LOG_IN = "To rate, please log in";
	this.JUST_A_MOMENT = "Just a moment...";
	this.GUEST = "Guest";
	this.NAME = "Name";
	this.EMAIL = "Email";
  this.WEBSITE = "Website";
  this.SETTINGS = "Settings";
  this.MODERATOR_OPTIONS = "Moderator options: ";
};
// Dsq.Strings

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

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

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

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

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

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

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





Dsq.CSRF_TOKEN = '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;



// 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/washingtonindependent/only_forceful_action_can_change_foreclosure_crisis_tide/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/washingtonindependent/_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 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">\
	 Showing <span id="dsq-num-posts">29</span> of <span id="dsq-total-posts">29</span> Comments\
	 &nbsp;\
	 <span class="dsq-item-feed">\
	 <a href="http://disqus.com/forums/washingtonindependent/only_forceful_action_can_change_foreclosure_crisis_tide/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/washingtonindependent/only_forceful_action_can_change_foreclosure_crisis_tide/">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();

		

		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/washingtonindependent/only_forceful_action_can_change_foreclosure_crisis_tide/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 Washington Independent" 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:25253035" onclick="Dsq.Popup.login(); return false">Login</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'				: 'washingtonindependent',
			't'				: 'only_forceful_action_can_change_foreclosure_crisis_tide',
			// 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/washingtonindependent/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/washingtonindependent/only_forceful_action_can_change_foreclosure_crisis_tide/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/washingtonindependent/thread.js'
			+ '?slug='	+ 'only_forceful_action_can_change_foreclosure_crisis_tide'
			+ '&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/washingtonindependent/thread.js'
			+ '?slug='	+ 'only_forceful_action_can_change_foreclosure_crisis_tide'
			+ '&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/washingtonindependent/subscribe.js'
				+'?status=' 	+ status
				+ '&slug='		+ 'only_forceful_action_can_change_foreclosure_crisis_tide'
				+ '&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/washingtonindependent/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/25253035/realtime.js?timestamp=' + last_checked);
		}
	};

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

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

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

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

}();

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

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

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

	return obj;
}();

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

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

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

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

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

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

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

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

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

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

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

		if (isblank(openid_url)) {
			return;
		}

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

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

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

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

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

		if (Dsq.jsonData.thread.queued) {
			Dsq.Popup.popModal('Your report has been received. The system will automatically search for new reactions; if any are found, they will be displayed on this comment thread.<br/><br/>Thank&nbsp;you.',
												 'Reported missing reactions');
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<ul id="dsq-comments">\
	 <li id="dsq-comment-12617434">\
	 <div id="dsq-comment-header-12617434" class="dsq-comment-header">\
	 <cite id="dsq-cite-12617434" class="dsq-comment-cite">\
	 <a id="dsq-author-user-12617434" href="http://www.bpos4reos.com" target="_blank" rel="nofollow">jamesegallagher</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12617434" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12617434" class="dsq-comment-message">No one wants to hear it but the nuclear option; allowing the foreclosures to just happen is really the only option. The taxpayers will revolt if they have to pay for it, the banks have to clear out the inventory or they\'ll go under. Politicians can scream and gnash their teeth all they want but the nuclear option is going to happen. Politicians can only delay it not prevent it. Politicians delaying it only make it worse</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12574614">\
	 <div id="dsq-comment-header-12574614" class="dsq-comment-header">\
	 <cite id="dsq-cite-12574614" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12574614">Rick</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12574614" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12574614" class="dsq-comment-message">"Congress and the Obama Administration need to move boldly to stop foreclosures, requiring lenders to go beyond what Calculated Risk dubs “extend and pretend” repayment plans, and actually write down loan balances."<br><br>The economy is autonomous and it does not take its marching orders from Washington. The optimal solution is to let professionals in the private sector cope with the problems at hand. Unfortunately today our elected officials are woefully out of touch with anything outside the Beltway, power-hungry, out of control, and responsible to no one.<br><br>The president and Congress will discover as many of us did months ago that the economic collapse isn\'t over, and that it cannot be prevented.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12608673">\
	 <div id="dsq-comment-header-12608673" class="dsq-comment-header">\
	 <cite id="dsq-cite-12608673" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12608673">runfastandwin</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12608673" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12608673" class="dsq-comment-message">That\'s what got is into this mess in the first place, "professionals" in the private sector.  Give me government amateurs any day.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12608731">\
	 <div id="dsq-comment-header-12608731" class="dsq-comment-header">\
	 <cite id="dsq-cite-12608731" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12608731">runfastandwin</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12608731" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12608731" class="dsq-comment-message">On the other hand if we are going to start writing down the principal, let\'s do it for everyone, not just those in foreclosure.  Once you go down that road it\'s going to be hard to hit the brakes...</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12617615">\
	 <div id="dsq-comment-header-12617615" class="dsq-comment-header">\
	 <cite id="dsq-cite-12617615" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12617615">aynrandfan</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12617615" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12617615" class="dsq-comment-message">While you\'re at it, how about giving me a free house? I worked tons of hours and (at times) multiple jobs and held off buying until I could put down a substantial down payment on a decent home without taking on debt I couldn\'t reasonably pay off. So now I\'m supposed to pay off other people\'s mortgages while I continue to rent and the government props up house prices? AS IF!!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12575677">\
	 <div id="dsq-comment-header-12575677" class="dsq-comment-header">\
	 <cite id="dsq-cite-12575677" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12575677">1lowelisamarie1</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12575677" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12575677" class="dsq-comment-message">I\'m so sick of hearing about" what to do," "what to do", We all know what to do. The important thing at stake here is the American family. And turning us all from home owners to renters is bull-shit. Enforce the frigging lending laws and prosecute fraudulant, misrepresented loans, protect the consumers. Stop letting people (banks) dance all over like they own the joint when they don\'t own squat. Let the banks lose. Let them pay for for their shoddy, reckless lending practices that left most of our homes in the loan pool, and either jump in that pool and come back up with some proper legal paperwork on these homes they \'claim\' they own or forfeit their interest in them.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12581281">\
	 <div id="dsq-comment-header-12581281" class="dsq-comment-header">\
	 <cite id="dsq-cite-12581281" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12581281">1jackblack1</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12581281" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12581281" class="dsq-comment-message">It is really time for everyone to stop making their home mortgage payments--even if they can.<br>We the people must come together and save ourselves from the dastardly, corrupt, and heartless elite that run our country.<br>They can\'t hear us.<br>Stop making your payments. <br>It is the only truly patriotic and American thing you can do right now.<br>Show your support for your country, your state, your community and your neighborhood by flying the American Flag on your home to demonstrate your support for an end to the tyranny of Big Government, and Big Business and to proclaim that you are a true American Patriot and have stopped making your payments in support of freedom, justice and the people and families of our once great country.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12608391">\
	 <div id="dsq-comment-header-12608391" class="dsq-comment-header">\
	 <cite id="dsq-cite-12608391" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12608391">richad</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12608391" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12608391" class="dsq-comment-message">Why is it that the PMI on a house mortgage which covers the house in case of foreclsoure is not being looked at from the view of just how much is flowing to the banks as long as the house sitsa in foreclosure or if the PMI was to cover the entire mortgage then if the PMI is paid after foreclosure then why are collectors still chasing people for the default?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12609162">\
	 <div id="dsq-comment-header-12609162" class="dsq-comment-header">\
	 <cite id="dsq-cite-12609162" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12609162">1lowelisamarie1</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12609162" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12609162" class="dsq-comment-message">The majority and I mean the vast majority of the housing crisis is due directly to unregulated, illegal, misrepresented, preditory, low down lending. Going unprosecuted because obviously once your in a financial bind you can\'t afford adequate legal representation, even if major lending laws were broke. The banks know this and have deep pockets with teams of lawyers to step on you like a bug if you dare tried to enforce the law. We\'ve helped them grow stronger with dollars so this can continue. We\'ve helped them screw us!  Illegal lending should be prosecuted to the fullest extent of the law, and the homeowners need representation, not a modification of something that was illegal to begin with. And your right, everybody should stop paying the banks one red cent. And stand your ground, out right revolt.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12610696">\
	 <div id="dsq-comment-header-12610696" class="dsq-comment-header">\
	 <cite id="dsq-cite-12610696" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12610696">Stu1</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12610696" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12610696" class="dsq-comment-message">What the HEL? is a matter with you??? Let them fail and lose their homes and let responsible borrowers pick them up who will pay. STOP kicking the can down the road you fool!!<br><br>My God what has the media and people like yourself done with your collective minds and more importantly souls?<br><br>SHAME ON YOU ALL!!!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12611373">\
	 <div id="dsq-comment-header-12611373" class="dsq-comment-header">\
	 <cite id="dsq-cite-12611373" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12611373">1lowelisamarie1</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12611373" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12611373" class="dsq-comment-message">Do you read what you write? Do you understand that most of these homeowners who are in line to lose their homes were delt illegal loans? Do you understand these were misrepresented, liar loans? Should the homeowners have been more informed and not just trusted the lender to follow federal lending laws? Yes. Should they pay for their ignorance  by losing their homes? No! Its not the homeowners who were acting irresponsible.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12618322">\
	 <div id="dsq-comment-header-12618322" class="dsq-comment-header">\
	 <cite id="dsq-cite-12618322" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12618322">1lowelisamarie1</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12618322" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12618322" class="dsq-comment-message">Answer my question. Why can\'t illegal lending be prosecuted.? Why is everybody acting like its alright?  Fine, if the loan was legal we can do it your way. and I didn\'t say \'fair\' because theres a difference between illegal and unfair. But for the loans that were truly misrepresented and in violation of federal lending laws enforce the stiffest penalties. The rest will have to see it through. Thats what would work without turning America into tent city.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12618396">\
	 <div id="dsq-comment-header-12618396" class="dsq-comment-header">\
	 <cite id="dsq-cite-12618396" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12618396">golfproz</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12618396" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12618396" class="dsq-comment-message">The only real solution is foreclosure. You can\'t write down principal balances.  What kind of solution is that? And what do those of us that didn\'t buy homes we could not afford get? Am I going to get a principal write down even though I can afford my home?  Or do I have to stop making payments so "I get my piece of the bailout pie"??  I\'m certainly willing to stop making payments if I can knock $100k off my loan. Everyone I work with says the same thing, If the banks start writing down principal balances they will stop making payments so they get a reduction too. <br><br>Let the foreclosures happen. When prices return to levels average families can afford the homes will sell. And those families will have enough money left after paying the mortgage to spend on consumer goods. That is how our economy will recover. Not by having the government hand out freeking $500 stimulus checks.  Our consumer driven economy would be going like gangbusters if housing was affordable.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12619197">\
	 <div id="dsq-comment-header-12619197" class="dsq-comment-header">\
	 <cite id="dsq-cite-12619197" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12619197">fcprop</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12619197" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12619197" class="dsq-comment-message">Let the house of cards fall already, most modifications are just band-aid\'s for the time being.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12619284">\
	 <div id="dsq-comment-header-12619284" class="dsq-comment-header">\
	 <cite id="dsq-cite-12619284" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12619284">frugalsam</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12619284" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12619284" class="dsq-comment-message">If the government stopped messing with the housing market and let prices fall, I can buy a house for 100% cash tomorrow morning. I am waiting for the inevitable drop, and watching the government\'s efforts with great amusement.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12622478">\
	 <div id="dsq-comment-header-12622478" class="dsq-comment-header">\
	 <cite id="dsq-cite-12622478" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12622478">Dead_End</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12622478" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12622478" class="dsq-comment-message">Why must we spend a disproportionate amount of money to support a tiny minority of the population. Less than 10% of the population is in trouble with a mortgage. More than 30% of the population rents their home. Those people are having their tax dollars used against them to prop up the 10%. <br><br>The forrest fire that we\'re experiencing now is healthy and necessary. Even with the massive declines that we\'ve seen over the last two years, homes are still way over priced with respect to historic norms, personal income and costs of renting. When home prices get back to their 100 year trend line which parallels inflation, then we will have hit a natural and normal bottom. Until then, nobody in their right mind should be buying a house, especially first time buyers.<br><br>Its the constant meddling that the author of this article suggests, that got us into this mess in the first place.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12648001">\
	 <div id="dsq-comment-header-12648001" class="dsq-comment-header">\
	 <cite id="dsq-cite-12648001" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12648001">steve2000</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12648001" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12648001" class="dsq-comment-message">Foreclosures have been a major issue of the economic recession that has hit all countries across the world. The Bush administration overlooked the foreclosure issues of the average homeowners which the Obama administration is struggling to tackle with various initiatives.<br><br>The housing delinquencies and foreclosures have seen an alarming rise in the first quarter of this financial year. Among the 34 million loans that are tracked by The Office of the Comptroller, the foreclosure rates rose by 22% and surprisingly, this is a 73% increase as compared to the same period last year. This puts forth a question whether the banks and policymakers are intelligently tackling the problem.<br><br>Recently read an onteresting article on a similar premise <br><a href="http://www.housingnewslive.com/is-the-housing-market-recovering.php" rel="nofollow">http://www.housingnewslive.com/is-the-housing-market-recovering.php</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12656941">\
	 <div id="dsq-comment-header-12656941" class="dsq-comment-header">\
	 <cite id="dsq-cite-12656941" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12656941">CreditTrauma</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12656941" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12656941" class="dsq-comment-message">You can get a free Homeowner\'s Guide on President Obama\'s "Making Home Affordable" plan at <a href="http://MortgageCreditTrauma.com?03" rel="nofollow">http://MortgageCreditTrauma.com?03</a>.  <br><br>This plan outlines the rules and eligibility guidelines for 1st & 2nd loan modifications as well as giving a Loan Comparison Chart for Countrywide/BofA, CitiGroup/CitiMortgage, IndyMac Fed Bank and JP Morgan who is also accepting Washington Mutual and EMC Mortgage Corp customers.  <br><br>Hope this helps!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12657079">\
	 <div id="dsq-comment-header-12657079" class="dsq-comment-header">\
	 <cite id="dsq-cite-12657079" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12657079">John B</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12657079" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12657079" class="dsq-comment-message">1lowelisamarie1 get a clue....they didn\'t call them liar loans because the bank was lying. they called them liar loans because the people taking out the loans were lying about their income, job, assets, etc. aka NINJA (No Income, No Job, or Assets) loans. it\'s the duty of the borrower to read the paperwork and understand the loan before they sign the papers. the borrowers were too caught up in their greed and their fear that they weren\'t going to get theirs to actually read the paperwork, and figure out if they would be able to afford the loan when it adjusts or life happens. it\'s called responsibility. just because you were told that you could refinance later, or that they are no longer making anymore land, or that prices only go up....that doesn\'t mean you had to jump in. SO PAY UP!!!!!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12672983">\
	 <div id="dsq-comment-header-12672983" class="dsq-comment-header">\
	 <cite id="dsq-cite-12672983" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12672983">1lowelisamarie1</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12672983" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12672983" class="dsq-comment-message">Hey John, there are three types of liar loans, and yes you have described one. Then theres the broker who doctored the docs to push them through so he could make that commission, then theres the broker who tells the borrower with poor credit  and no understanding of preditory lending ,that this loan is to their benifit because it will improve their credit score and they will be financed at a better rate within 12 months and not to worry about the stated rate increase as it will never make it that far, and then before the first payment is due the homeowners loan is in a security pool because nobody ever had any intention of dealing with that home owner again. Once again I\'ll ask "should a person lose his home for trusting the lender to be honest and not misrepresent the truth?" You must be a bankster.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12732312">\
	 <div id="dsq-comment-header-12732312" class="dsq-comment-header">\
	 <cite id="dsq-cite-12732312" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12732312">debbysue</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12732312" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12732312" class="dsq-comment-message">I read this article this evening and then I was anxious to read the comments below, since I have been in the lending industry for 22 yrs.  First let me say that I feel LisaMarie1 is completely wrong in blaming the lenders for this complete fall out.  Just my opinion, I know, but I feel we ALL have a responsiblity in what happened (or those in trouble now due to loan changes) and is continueing to happen.  Flat out GREED is what caused this situation and the end results were forseen ahead of time.  But instant cash and gratification and live for today and worry about tomorrow or let the next guy worry about tomorrow won out. It had to be for it is simple math and common sense.  Investors offered to the public a way to purchase a home off of a credit score without verifying their income and/or assets And with little money/investment in the transaction, towards the end.<br>They knew if they offered it to the public they would go for it.  They knew most of these loans were "lies" per say, otherwise why would someone who truly qualified for a loan take a higher interest rate and do one the of the many no doc loans?  That is common sense.  <br>These loans were initially meant for self employed borrowers whos bottom line taxable income was $30,000, though their income before write offs was  $160,000.  (just an example folks and a realistic one).  You could see where the income was coming from, you could see that though the taxable income was only $30,000, they carried a mortgage or rent of $1500 fine along with two car payments in the family and a few credits cards just fine and on time.  They took advantage of the "paper" write offs the IRS allows.  These loans made sense to me.  Not to mention, the money/investment involved was 20%.<br>Then they offered these loans to salaried borrowers.  Why?  Then they reduced the down payment all the way to 5% and even offered the 80/20 programs.  These were not all coming from non-conforming lenders.  FNMA and FHLMC jumped in early in the game.  Then the grand finaly was you don\'t have to show us where the money is coming from.  Basically, we don\'t want to know.<br>Where do the lenders get these programs?  WallStreet.  FHA and VA did not participate in such things.  As much as I hate to see the government now controlling our housing, I have to look at what the government could have and should have done to stop this disaster.  I was not happy to hear that they took over 80% of those agencies who have 50% of our mortgages.  When you look at those, existing FHA and VA loans, how much is left to the private sector?  It is pretty dam scary to me.  However, I have to look at the fact that this would not have happend to this magnitude if the government had stepped in years ago and said no, you can\'t do this.  There are limits.  But instead, much of the government was pushing to make homes more affordable to those that they felt "deserved" home ownership and were just less fortunate individuals.  They pushed and pushed.  They did not help these people, they helped them bury themselves!<br>If I have heard "every american deserves home ownership" once, I have heard it a million times and it makes me sick.  We "deserve" nothing.  America gives us the "opportunity" to EARN home ownership and many other things.  It is a wonderful place and we are all blessed because of that opportunity.....not freeby.<br>So Lisamarie1, you are probably wondering by now, how do I feel differently than you?  Because of the statement above.  Because we as stupid consumers bought into this thought.  We bought into the BS.  And, we are responsible for ourselves, and no one else.  I am not directing my comments directly at you, for I read all of the ones on here tonight.  You just wrote the most is all.  I disagree with many of them, as I am sure many will disagree with me.  <br>These things that we are seeing now did not start with the no-doc program.  It goes all the way to the credit scoring system, that took years to pass.  I felt it was a screwed up system from the beginning, and this just shows even more that it is a screwed up system.  They said, hey if your credit score is 680 or better, you deserve to buy any home of your choice.  Have faith in yourself because we have faith in you.  Any one who has credit such as this, will find a way to make the payment.  <br>There are many reasons the credit score system is a bad system and I can go into my reasons should anyone be interested in hearing it!  <br>Let me clarify once again before I go into this more.  I am NOT a fan of the government controlling our housing market!!!  Or what I should say is, Owning the homes we live in.  That is a much better way of putting it I guess.  I have to look at the FHA manual (4155) that allows for compensating factors a borrower may have to give "room" for the buyer to qualify outside of the box you might say.  It specifically states that a lender can Not use good credit as a compensating factor.  Good credit is expected, for borrowers are expected pay their bills on time.  Where did this principal go?  Out the window it appears.  Having good credit (which should not necessarily mean perfect credit) is a part of a person EARNING home ownership, but should not be the only factor.  Income, assets and debt ratios play a role in the qualifying part of a loan.  They have to regardless of who you are and what a "score" says.  <br>Can you blame a WAMU or AHM or Bank of America, Mortgage Brokers and/or their loan officers?  Not really.  When the industry goes one way in such a mass as it did, and the individual loan officer says I can do this loan for you, but I won\'t, they loose their job and they have a family to feed.  When a broker or lender says we are not going to participate in this madness, people go and get it some where else and that company suffers greatly or goes under.  The flood gates were wide open on these programs and pushed every where.  In the past these loans might have represented 5% at best of the pipeline.  The last couple of years, they were 50% or more of the pipelines.  <br>I am simply asking you to not put all the blame in one basket.  We are all responsible for ourselves.  The comment of the LO telling the borrower that this rate is just for one year for you can refinance in one year.  Since when does the LO have a crystal ball on the future?  How do they know the value of your home will continue to rise?  How do they know what the rate will be in a year?  Okay, not the average consumers profession.  But that is blind faith.  Who is at fault for having blind faith concerning things that we all should know, no individual has control over.<br>There is so much that I could go into, and this is far to long as it is.  But seriously, too much time is put into "who is to blame" rather than a solution and compromising on fixing this mess.  Blame is a waste of time when trying to discuss how do we turn this around.  We have to look forward and seek out real solutions; and yes, I agree totally, not just a Bandaid to the problem.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12867316">\
	 <div id="dsq-comment-header-12867316" class="dsq-comment-header">\
	 <cite id="dsq-cite-12867316" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12867316">bobccc</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12867316" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12867316" class="dsq-comment-message">According to a retired HUD official, over 5 million home loans went to illegal aliens!  You don\'t have to be too smart to know that many of them would default on those loans...then you have the "house flippers", some just walked away when they couldn\'t sell the house.<br><br>Corrupt loaning practices, corrupt realtors, people buying that didn\'t care to pay their mortgages, corrupt Barney Frank & Chris Dodd, corrupt ACORN, all have hurt the people who try to pay, and those that are losing their homes because their jobs have gone south!<br><br>A web of deceit from the top, down!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12891680">\
	 <div id="dsq-comment-header-12891680" class="dsq-comment-header">\
	 <cite id="dsq-cite-12891680" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12891680">jjohnson85249</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12891680" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12891680" class="dsq-comment-message">wall street lackeys now include the white house<br><br>When Geittner and Obama had the chance to push for loan modifications through the courts (bankruptcy judges)they chose wall street over main street. housing would have already started to recover if the legislation would have passed. Obama and Geittner chose to join a group of wall street lackeys - senators kyl, bayh, martinez,spectre and others rather than give homeowners a negotiating tool that would have been far more effective than anything thats been tried.Obama and Geittner are trying to save face by threatening the loan servicers (much the same way that they did with the banks that the taxpayers have bailed out)and no one is intimidated by this.The banking / mortgage interests are running this country and you can look at your elected officials campaign contributions to verify it. as long as wall street continues to pay for our elected officials votes- we don\'t stand a chance.perhaps next elections we (voters) should VOTE OUT all the incumbents and start over</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-12922333">\
	 <div id="dsq-comment-header-12922333" class="dsq-comment-header">\
	 <cite id="dsq-cite-12922333" class="dsq-comment-cite">\
	 <span id="dsq-author-user-12922333">debbysue</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-12922333" class="dsq-comment-body">\
	 <div id="dsq-comment-message-12922333" class="dsq-comment-message">I totally agree, this should have passed.  And who has it again.....WallStreet, where this mess started!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-13008161">\
	 <div id="dsq-comment-header-13008161" class="dsq-comment-header">\
	 <cite id="dsq-cite-13008161" class="dsq-comment-cite">\
	 <span id="dsq-author-user-13008161">rohitmahajan</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-13008161" class="dsq-comment-body">\
	 <div id="dsq-comment-message-13008161" class="dsq-comment-message">Forceful action may be a solution of one problem but it may become a starting point of other problem. In my opinion, these too can work, i.e, modifications in existing loan plan such as  reduced interest rates, extended maturity date , changing from adjustable to fixed interest rates, and the reduced principle.<br>An interesting link to visit is <a href="http://www.housingnewslive.com/blog.php" rel="nofollow">http://www.housingnewslive.com/blog.php</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-13091228">\
	 <div id="dsq-comment-header-13091228" class="dsq-comment-header">\
	 <cite id="dsq-cite-13091228" class="dsq-comment-cite">\
	 <span id="dsq-author-user-13091228">1lowelisamarie1</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-13091228" class="dsq-comment-body">\
	 <div id="dsq-comment-message-13091228" class="dsq-comment-message">anybody who thinks foreclosure is even a choice, when it can be stopped is a cold hearted snake. Where do you think these families are going to go? To the street. Small children in America in tents on the street until the states can house them, you want to talk about problems.  There are countless problems arising from foreclosures, families torn apart, education is a joke-its hard to concentrate when you dont know where your parents will put you to bed, how will you have clean school clothes, what about meals? It goes on, Health care is the least of their worries. Who gives a crap about the banks that DID cause this entire mess. The consumers did NOT come up with this game, who\'s bright idea was it for subprime? Some greedy bastards wanting to turn your home into profit.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-13494833">\
	 <div id="dsq-comment-header-13494833" class="dsq-comment-header">\
	 <cite id="dsq-cite-13494833" class="dsq-comment-cite">\
	 <a id="dsq-author-user-13494833" href="http://twitter.com/foreclosurenv" target="_blank" rel="nofollow">Stout Law Firm</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-13494833" class="dsq-comment-body">\
	 <div id="dsq-comment-message-13494833" class="dsq-comment-message"><a href="http://foreclosurenv.wordpress.com/" rel="nofollow">http://foreclosurenv.wordpress.com/</a><br>NEVADA FORECLOSURE MEDIATION BLOG</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-13782597">\
	 <div id="dsq-comment-header-13782597" class="dsq-comment-header">\
	 <cite id="dsq-cite-13782597" class="dsq-comment-cite">\
	 <span id="dsq-author-user-13782597">whoever</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-13782597" class="dsq-comment-body">\
	 <div id="dsq-comment-message-13782597" class="dsq-comment-message">Well, with my limited understanding, can\'t we modify the loans+"interest" to take 100 years to pay off, instead of 30?  Legislate offspring into the mix?  Quit bs\'ing about real property values "always appreciate, never depreciate" - yeah right, everything rots.  So a new house today must necessarily be worth less as time goes on.  People fake that property values increase because they\'re trying to recoup their interest payments, which should not be included in a property value.  Might have been truer in the pioneer development days, but rundown lived-in homes subject to natural elements DECREASE in value I am sure.  So why do we even agree to these bs loans in the first place?  Interest-free, maybe...  For sure I support converting default owners to renter tenants, and the rest to HUD until private programs evolve.  Dunno.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-13784857">\
	 <div id="dsq-comment-header-13784857" class="dsq-comment-header">\
	 <cite id="dsq-cite-13784857" class="dsq-comment-cite">\
	 <span id="dsq-author-user-13784857">1lowelisamarie1</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-13784857" class="dsq-comment-body">\
	 <div id="dsq-comment-message-13784857" class="dsq-comment-message">Just checking in. Your right about one thing whoever, It does seem like an old delapitated home would for sure lose value not appreciate. I would much rather have a nice new home with all the modern updates.</div>\
	 </div>\
	 </li>\
	 </ul>\
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