cardpics= new Array()
cardpics[0]= new Image()
cardpics[1]= new Image()
cardpics[1].src= '/images/cclbluec.jpg'
cardpics[2]= new Image()
cardpics[2].src= '/images/ccldedge.jpg'
cardpics[3]= new Image()
cardpics[3].src= '/images/cclfreed.jpg'
cardpics[4]= new Image()
cardpics[4].src= '/images/cclcitps.jpg'
cardpics[5]= new Image()
cardpics[5].src= '/images/ccl1cash.jpg'
cardpics[6]= new Image()
cardpics[6].src= '/images/ccldroad.jpg'
cardpics[7]= new Image()
cardpics[7].src= '/images/cclbp.jpg'
cardpics[8]= new Image()
cardpics[8].src= '/images/cclncevr.jpg'
cardpics[9]= new Image()
cardpics[9].src= '/images/ccldmore.jpg'
cardpics[10]= new Image()
cardpics[10].src= '/images/ccldmile.jpg'
cardpics[11]= new Image()
cardpics[11].src= '/images/cclnohmi.jpg'
cardpics[12]= new Image()
cardpics[13]= new Image()
cardpics[14]= new Image()
cardpics[14].src= '/images/cclppass.jpg'
cardpics[15]= new Image()
cardpics[15].src= '/images/cclppass.jpg' //irrelevant actually
cardpics[16]= new Image()
cardpics[16].src= '/images/cclagold.jpg'
cardpics[17]= new Image()
cardpics[17].src= '/images/cclcdiam.jpg'
cardpics[18]= new Image()
cardpics[18].src= '/images/cclcaadv.jpg'
cardpics[19]= new Image()
cardpics[19].src= '/images/cclblueb.jpg'
cardpics[20]= new Image()
cardpics[20].src= '/images/ccl1pore.jpg'

barcommad= '18,000'

typecell= "headcell"; balltype= 'headtable'

function doTyping() {
if (balldex >= 0) {
 for (i= 0; i < 3; i++) {
  balldex++
  if (ballspeak.charAt(balldex-1) == '&') { balldex+= 5 }
  while (ballspeak.charAt(balldex-1) == '<') {
   while (ballspeak.charAt(balldex) != '>') { balldex++ }
   }
  if (ballspeak.charAt(balldex-1) == '&') { balldex+= 5 }
  }
 inballoon= '<font class=' + balltype + '>' +  ballspeak.substring(0,balldex-1) + '</font>'
 document.getElementById(typecell).innerHTML= inballoon
 if (balldex <= ballspeak.length) { t= setTimeout('doTyping()',20) }
 }
}

function balloonMessage(bms) {
balldex= 0
ballspeak= bms + ' '
doTyping()
}


ccnames= new Array()
ccnames[0]= '<font color=#446688><b>National average rebate:</b></font>'
ccnames[1]= '<b>Blue Cash<sup>®</sup></b> from American Express<sup>®</sup>'
ccnames[2]= '<b>Driver\'s Edge</b> by Citibank'
ccnames[3]= 'Chase <b>Freedom</b><sup><small>SM</small></sup> Credit Card'
ccnames[4]= 'Citi<sup>®</sup> <b>Dividend Platinum Select</b><sup>®</sup> Card'
ccnames[5]= 'Capital One<sup>®</sup> <b>No Hassle Cash</b><sup><small>SM</small></sup> Rewards' // ********** Set programatically ***********
ccnames[6]= 'Discover<sup>®</sup> <b>Open Road<sup><small>SM</small></sup></b> Card'
ccnames[7]= '<b>BP Visa<sup>®</sup> Rewards Card</b> by Chase Bank'
ccnames[8]= '<b>Everyday Rewards</b> by National City'
ccnames[9]= 'Discover<sup>®</sup> <b>More<sup><small>SM</small></sup> Card</b>'
ccnames[10]= '<b>Miles by Discover</b><sup>®</sup> Card'
ccnames[11]= 'Capital One<sup>®</sup> <b>No Hassle Miles</b><sup><small>SM</small></sup> Rewards' // Ex-Changeable, Rewards <=> Ultra
ccnames[12]= '<strike><b>Cash Plus Rewards Visa</b></strike>'
ccnames[13]= '<strike><b>Power Rewards Visa</b></strike>'
ccnames[14]= '' //PremierPass (good/excellent)
ccnames[15]= ''            // Set programatically: <i><b>Best Combination:</b></i> <font color=blue><b>(1) Freedom Card</b></font> by Chase 
ccnames[16]= 'American Express<sup>®</sup> <b>Preferred Rewards Gold</b> Card'            // Set programatically: <i><b>Best Combination:</b></i> <font color=blue><b>(1) Freedom Card</b></font> by Chase 
ccnames[17]= 'Citi<sup>®</sup> <b>Diamond Preferred<sup>®</sup></b> Card'
ccnames[18]= 'Citi<sup>®</sup> <b>Platinum Select<sup>®</sup> AAdvantage<sup>®</sup></b><!-- World MasterCard<sup>®</sup-->'
ccnames[19]= '<b>Blue Cash<sup>®</sup> for Business</b> by American Express'
ccnames[20]= 'Capital One® <b>No Hassle Points<sup><small>SM</small></sup></b> Rewards'

ncc= ccnames.length

ccgoodok= new Array()
ccgoodok[0]= 0
ccgoodok[1]= 0
ccgoodok[2]= 0
ccgoodok[3]= 0
ccgoodok[4]= 0
ccgoodok[5]= 1
ccgoodok[6]= 0
ccgoodok[7]= 1
ccgoodok[8]= 0
ccgoodok[9]= 0
ccgoodok[10]= 0
ccgoodok[11]= 0
ccgoodok[12]= 0
ccgoodok[13]= 0
ccgoodok[14]= 0
ccgoodok[15]= 0
ccgoodok[16]= 1
ccgoodok[17]= 1
ccgoodok[18]= 1
ccgoodok[19]= 1
ccgoodok[20]= 2

issuer= new Array()
issuer[0]= ' '
issuer[1]= 'American Express'
issuer[2]= 'Citibank'
issuer[3]= 'Chase Bank'
issuer[4]= 'Citibank'
issuer[5]= 'Capital One' // ********** Set programatically ***********
issuer[6]= 'Discover'
issuer[7]= 'Chase Bank'
issuer[8]= 'National City'
issuer[9]= 'Discover'
issuer[10]= 'Discover'
issuer[11]= 'Capital One'
issuer[12]= ' '
issuer[13]= ' '
issuer[14]= ' Citibank'
issuer[15]= ' '            // Set programatically: <i><b>Best Combination:</b></i> <font color=blue><b>(1) Freedom Card</b></font> by Chase 
issuer[16]= 'American Express'
issuer[17]= ' Citibank'
issuer[18]= ' Citibank'
issuer[19]= 'American Express'
issuer[20]= 'Capital One'

fly_miles= 2000 //average miles flown per person (adult?)

primerate= 5

cc_apr= new Array()
cc_apr[0]= '-'
cc_apr[1]= 'Starts at ' + (primerate + 4.99) + '% (Variable)' //'' + (primerate + (4.99% to 9.99) + '% (Variable)'
cc_apr[2]= (primerate + 5.99) + '% (Variable)'
cc_apr[3]= 'Starts at ' + (primerate + 5.99) + '% (Variable)' //'' + (primerate + (5.99% to 14.99) + '% (Variable)'
cc_apr[4]= 'Starts at ' + (primerate + 4.49) + '% (Variable)'
cc_apr[5]= '13.4% (Fixed)'
cc_apr[6]= 'Starts at 10.99% (Fixed)' //'10.99% to 18.99% (Fixed)'
cc_apr[7]= 'Starts at ' + (primerate + 6.99) + '% (Variable)' //'' + (primerate + (6.99% to 14.99) + '% (Variable)'
cc_apr[8]= 'Starts at ' + (primerate + 5.99) + '% (Variable)' //'' + (primerate + (5.99% to 13.99) + '% (Variable)'
cc_apr[9]= 'Starts at 10.99% (Fixed)' //'10.99% to 18.99% (Fixed)'
cc_apr[10]= 'Starts at 10.99% (Fixed)' //'10.99% to 18.99% (Fixed)'
cc_apr[11]= '13.4% (Fixed)'
cc_apr[12]= '-'
cc_apr[13]= '-'
cc_apr[14]= 'Starts at ' + (primerate + 4.99) + '% (Variable)'
cc_apr[15]= ' '
cc_apr[16]= 'You must pay it off monthly.'
cc_apr[17]= 'Starts at ' + (primerate + 4.49) + '% (Variable)' //'' + (primerate + (5.99% to 13.99) + '% (Variable)'
cc_apr[18]= 'Starts at ' + (primerate + 9.99) + '% (Variable)' //'' + (primerate + (5.99% to 13.99) + '% (Variable)'
cc_apr[19]= 'Starts at ' + (primerate + 2.99) + '% (Variable)' //'' + primerate + (5.99% to 13.99%)'
cc_apr[20]= (primerate + 9.65) + '% (Variable)' //'' + primerate + (5.99% to 13.99%)'

ccredeem= new Array()
ccredeem[0]= 'blank'
ccredeem[1]= 'cash'
ccredeem[2]= 'cars'
ccredeem[3]= 'cash'
ccredeem[4]= 'cash'
ccredeem[5]= 'cash'
ccredeem[6]= 'paper'
ccredeem[7]= 'cash'
ccredeem[8]= 'cash'
ccredeem[9]= 'paper'
ccredeem[10]= 'miles'
ccredeem[11]= 'miles'
ccredeem[12]= 'blank'
ccredeem[13]= 'blank'
ccredeem[14]= 'miles'
ccredeem[15]= 'blank'
ccredeem[16]= 'certs'
ccredeem[17]= 'certs'
ccredeem[18]= 'miles'
ccredeem[19]= 'cash'
ccredeem[20]= 'paper'

ccredtitle= new Array()
ccredtitle[0]= ' '
ccredtitle[1]= 'Redeem for cash'
ccredtitle[2]= 'Redeem towards the purchase or maintenance of any car.'
ccredtitle[3]= 'Redeem for cash'
ccredtitle[4]= 'Redeem for cash'
ccredtitle[5]= 'Redeem for cash'
ccredtitle[6]= 'We recommend that you redeem rewards points for gift certificates, which on average are worth about 25% more than taking Discover\'s cash reward.'
ccredtitle[7]= 'Redeem for cash'
ccredtitle[8]= 'Redeem for cash'
ccredtitle[9]= 'We recommend that you redeem rewards points for gift certificates, which on average are worth about 25% more than taking Discover\'s cash reward.'
ccredtitle[10]= 'Redeem for airline tickets'
ccredtitle[11]= 'Redeem for airline tickets'
ccredtitle[12]= ' '
ccredtitle[13]= ' '
ccredtitle[14]= 'Redeem for airline tickets'
ccredtitle[15]= ' '
ccredtitle[16]= 'Each 10,000 points is redeemable for a $100 gift certificate from participating merchants.'
ccredtitle[17]= '6,000 points are redeemable for a $50 gas card or other gift card from participating merchants.'
ccredtitle[18]= '25,000 miles are redeemable for one round-trip American Airlines ticket anywhere in the contintental U.S. or Canada.'
ccredtitle[19]= 'Redeem for cash'
ccredtitle[20]= 'Redeem 3,400 points for a $25 gift card, or redeem 5,000 points for $25 cash'

cc_afee= new Array()
cc_afee[0]= '-'
cc_afee[1]= 'Free'
cc_afee[2]= 'Free'
cc_afee[3]= 'Free'
cc_afee[4]= 'Free'
cc_afee[5]= 'Free'
cc_afee[6]= 'Free'
cc_afee[7]= 'Free'
cc_afee[8]= 'Free'
cc_afee[9]= 'Free'
cc_afee[10]= 'Free'
cc_afee[11]= ''
cc_afee[12]= '-'
cc_afee[13]= '-'
cc_afee[14]= 'Free'
cc_afee[15]= 'Free'
cc_afee[16]= '$125 <small><i>(Waived 1st year)</i></small>'
cc_afee[17]= 'Free'
cc_afee[18]= 'Free'
cc_afee[19]= 'Free'
cc_afee[20]= '$29'

ccbennies= new Array()
ccbennies[0]= '(This line is only for comparison.)'
ccbennies[1]= '<i>On first $6500 spent:</i> earn 0.5% to 1%;<br><i>After that:</i> <b>5% for gas/grocers/drugstores,</b><br> and <b>1.5% everywhere else.</b>'
ccbennies[2]= 'Earn <b>3% at gas stations, grocers, &amp; drug-<br>stores;</b> 1% everywhere else.' //6% first year
ccbennies[3]= 'Earn <b>3% rebate in any 3 of 15 categories,</b><br>up to $600 monthly; otherwise earn 1%.&nbsp; <br>Plus a <b>$50 bonus</b> for each $200 earned.'//ccbennies[3]= 'Earn <b>3% at gas stations, grocers &amp; drugstores,</b><br>up to $600 monthly spending; otherwise earn 1%.&nbsp; <br>You also get a $50 bonus for each $200 earned.' //$50 signup
ccbennies[4]= 'Earn <b>2% for gas/grocers/drugstores,</b><br>elsewhere earn 1% (up to $300/year).' //**incentive: 5% cash back at gas stations, supermarkets, drugstores, convenience stores, utilities including cable for 6 months. 
ccbennies[5]= 'Earn <b>1% cash back</b> on everything; plus <br>get an annual <b>25% bonus</b>'
ccbennies[6]= 'Earn <b>5% on gas,</b> up to $60 per card; up<br>to 1% elsewhere; trade for gift certificates.'
ccbennies[7]= 'Earn <b>5% at BP stations;</b> 2% on<br>travel &amp; dining; 1% elsewhere.' // Incentive: new cardholders can earn 10% Rebates on all participating BP location purchases, 4% Rebates on eligible travel and dining purchases and 2% Rebates on all other eligible purchases for the first 60 days. 
ccbennies[8]= 'Earn <b>4% on gas, 3% on movies/videos,<br>2% on grocers/dining;</b> else 0.25% to 1%.'
ccbennies[9]= 'Earn <b>5% at select merchants,</b> or up to<br>1% elsewhere; trade for gift certificates.'
ccbennies[10]= 'Earn <b>2 miles on travel and dining</b><br>(up to $60/year); 1 mile elsewhere.' // Incentive: up to 12,000 bonus miles (1000 each month card used)
ccbennies[11]= ''
ccbennies[12]= '<strike>Earn 5% on gas/grocers/drugstores; else<br>earn 1%. Rewards cap: $300/year.</strike>'
ccbennies[13]= '<strike>Earn 1% cash back.</strike>'
ccbennies[14]= 'Earn <b>1 mile</b> per dollar spent; get <small>1/3</small> mile for<br>each mile flown by those you buy tickets for.'
ccbennies[15]= ''
ccbennies[16]= 'Earn <b>1 Rewards<sup>®</sup> Point</b> for every dollar<br>you spend.'
ccbennies[17]= 'Earn <b>one point</b> per dollar.<!--i>(<b>First year bonus:</b><br>get <b>5 points</b> for gas, grocers or drugstores.)</i-->'
ccbennies[18]= 'Earn <b>one mile</b> per dollar spent.'
ccbennies[19]= '<i>First $15,000 spent:</i> Earn 2.5% (5% at select<br>"Open Savings" merchants.) <i>After that:</i> earn<br>1% (2% at "Open Savings" merchants.)'
ccbennies[20]= 'Earn <b>5 points</b> per dollar for gas, grocers and<br>drugstores; earn <b>earn <b>1 point</b> on all else.'

cc_go= new Array()
cc_go[0]= 'javascript:alert(\'Please click on one of the links for a credit card.\')'
cc_go[1]= 'https://links.ncsreporting.com/redirect.aspx?cr=302821&of=54&af=124882&ac=100&uv=' + adcode
cc_go[2]= '/citi-driver\'s-edge-credit-card.htm' //'http://www.cardoffers.com/manage/track/e.asp?ID=100385343&refid=' + adcode //'https://www.citicards.com/cards/wv/cardDetail.do?screenID=925'
cc_go[3]= 'https://links.ncsreporting.com/redirect.aspx?cr=304851&of=610&af=124882&ac=100&uv=' + adcode
cc_go[4]= 'http://www.cardoffers.com/manage/track/e.asp?ID=100385349&refid=' + adcode
cc_go[5]= 'http://www.cardoffers.com/manage/track/e.asp?ID=100410898&refid=' + adcode
cc_go[6]= 'https://links.ncsreporting.com/redirect.aspx?cr=300709&of=111&af=124882&ac=100&uv=' + adcode
cc_go[7]= 'http://www.cardoffers.com/manage/track/e.asp?ID=100371569&refid=' + adcode
cc_go[8]= 'https://www.nationalcity.com/personal-banking/products-services/everyday-banking/pages/credit-cards.asp?WT.redirect=%2Fpersonal%2Fcards%2Fcreditcards%2F'
cc_go[9]= 'https://links.ncsreporting.com/redirect.aspx?cr=300761&of=2&af=124882&ac=100&uv=' + adcode
cc_go[10]= 'https://links.ncsreporting.com/redirect.aspx?cr=300743&of=108&af=124882&ac=100&uv=' + adcode
cc_go[11]= 'http://www.cardoffers.com/manage/track/e.asp?ID=100410890&refid=' + adcode //Set dynamically
cc_go[12]= 'javascript:alert(\'This card has been discontinued.\')'
cc_go[13]= 'javascript:alert(\'This card has been discontinued.\')'
cc_go[14]= 'http://www.cardoffers.com/manage/track/e.asp?ID=100385356&refid=' + adcode //Regular version
cc_go[15]= 'javascript:alert(\'Please click on one of the card links shown below.\')'
cc_go[16]= 'http://www.cardoffers.com/manage/track/e.asp?ID=100371592&refid=' + adcode
cc_go[17]= 'http://www.cardoffers.com/manage/track/e.asp?ID=100385347&refid=' + adcode
cc_go[18]= 'http://www.cardoffers.com/manage/track/e.asp?ID=100385345&refid=' + adcode
cc_go[19]= 'http://www.cardoffers.com/manage/track/e.asp?ID=100371586&refid=' + adcode
cc_go[20]= 'http://www.credit.com/r/cap_one/af=p43273&ag=' + adcode 

cc_show= new Array()
cc_show[0]= 'javascript:alert(\'Please click on one of the links for a credit card.\')'
cc_show[1]= 'https://www201.americanexpress.com/cards/Applyfservlet?csi=67/11609/b/225/0675320917/064112120196/0/n&PID=1&EAID=x%2FS254V%2FQB8-ZvEGcuy%2FyIqooXs%2Ao7sEsg&CRTV=AMEXBLUCASH&PSKU=BCR&BUID=CCG' 
cc_show[2]= '/citi-driver\'s-edge-credit-card.htm' //'http://citi.bridgetrack.com/usc/06/college/drive/Visa/Q1/default.htm'
cc_show[3]= 'http://www.chaseinformation.com/dynelp/?cell=6h8x&MSC=Z0110362' 
cc_show[4]= 'http://citi.bridgetrack.com/usc/07/dividend/generic/div/default.htm?BTData=C02127E74606177595D4E47B7A2A7A8A792828D83FEF7F8F3F4C2C8E06B9&BT_TRF=573379&BT_CON=73&app=UNSOL&sc=4T4ZJ8D7&m=0CJ6000000W&langId=EN&siteId=CB&uc=2G9&B=M&t=t' 
cc_show[5]= 'http://www.capitalone.com/creditcards/products/10318/7/index.php' 
cc_show[6]= 'https://www.discovercard.com/cardmembersvcs/acqs/app/getapp?sc=K3LE' 
cc_show[7]= 'http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?pdn=bp_may07_ch01&page=cont&mkid=6H8X&msc=Z0049489' + 'zx' + adcode
cc_show[8]= 'https://www.nationalcity.com/personal-banking/products-services/everyday-banking/pages/credit-cards.asp?WT.redirect=%2Fpersonal%2Fcards%2Fcreditcards%2F'
cc_show[9]= 'https://www.discovercard.com/cardmembersvcs/acqs/app/getapp?sc=K3LD' 
cc_show[10]= 'https://www.discovercard.com/cardmembersvcs/acqs/app/getapp?sc=K3LF' 
cc_show[11]= 'http://www.capitalone.com/creditcards/compare/af2.php'  //Set dynamically
cc_show[12]= 'javascript:alert(\'This card has been discontinued.\')'
cc_show[13]= 'javascript:alert(\'This card has been discontinued.\')'
cc_show[14]= 'http://citi.bridgetrack.com/usc/05/premierpass/family/default.htm?BTData=C02127E7460617459544B4BBEBEB4A9A49A968498F1FAF4E3FACBCC0510A63&BT_TRF=646029&BT_CON=73&app=UNSOL&sc=4WNIW3K6&m=2CJ6000000W&langId=EN&siteId=CB&B=A'  //Regular version
cc_show[15]= 'javascript:alert(\'Please click on one of the card links shown below.\')'
cc_show[16]= 'https://www201.americanexpress.com/cards/Applyfservlet?csi=76/15503/b/224&PID=1'
cc_show[17]= 'http://citi.bridgetrack.com/usc/07/diamond/aggregator/default.htm'
cc_show[18]= 'http://citi.bridgetrack.com/usc/07/aa/platinum/ext/affiliate/default.htm'
cc_show[19]= 'https://www201.americanexpress.com/sbsapply/EACQServlet?request_type=applyNow&bos=b&BUID=SBS&CRTV=A0000056HDBCR&eep=16250&ct=58&EAID=TTebV0zRjlI-Ahl5ZK69aV0HcWss3pURlg&PSKU=BCR&PID=1&PID=1&BUID=SBS'
cc_show[20]= 'http://www.capitalone.com/creditcards/products/10415/5/index2.php'

if (pop_defined < 1) {
ccdpop= new Array()
ccdpop[0]= '&nbsp;'
ccdpop[1]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>American Express Blue Cash Card</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="-2">Earn 5% rebates on "everyday purchases" at gas stations, grocers and drugstores once annual spending exceeds $6,500<BR>Earn 1.5% rebates on other spending after $6,500 annually<br>Before reaching $6,500, you earn up to 1%</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="-2">Earn unlimited rebates</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Cash rebates.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">Auto Rental Insurance, plus up to $100,000 Travel Accident Insurance<br>Emergency worldwide card replacement<br>Online fraud protection<br>Return Protection: for any covered item you\'re unsatisfied with, you can return it<br>Warranty extension, which doubles covered warranties up to one year<br>Purchase protection, which  covers you if a covered item is stolen or accidentally damaged<br></font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">20 days</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3% min $5.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td ><font class="spybody" size="1">$35.00</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$15 for balances up to $100; $29, if $100 to $1000; else $35</font></td></tr></table><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/cclbluec.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; This card is recommended for high-income consumers because the rebate rate at high spending levels is very rewarding (1.5% to 5%).</font></td></tr></table></td></tr>'

ccdpop[2]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Citi&#174 Drivers Edge&#174 Card</b></font></td></tr><tr><td ><b><font class="spybody" size="-2">Rewards</font></b></td><td ><font class="spybody" size="1">Earn 3% rebate on purchases from standalone supermarkets, gas stations and drugstores; earn 1% on "other purchases"<br>In addition earn "Drive Rebates" equal to $10 for every 1000 miles you drive a single car, <i>however,</i> Citi says they reserve the right to terminate this feature at any time<br>You can redeem rewards on auto maintenance expenses, or redeem up to $2500 on virtually any vehicle purchase or lease</font></td></tr><tr><td ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="1">Earn up to $1,000 in rebates in one year. Your &quot;drive rebates&quot; may not exceed your rebates on card spending.</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Use up to $5,000 in rebates to buy or lease a new or used, domestic or foreign vehicle; or get vehicle service or repairs.</font></td></tr><tr><td><b><font class="spybody" size="1">Points Expiration</font></b></td><td ><font class="spybody" size="1">5 Years</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</b></font></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">20 days</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3%, minimum $5.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td ><font class="spybody" size="1">$39.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$15 for balances up to $100; $29, if $100 to $250; else $39</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/ccldedge.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; Consumers who drive frequently should consider this card.</font></td></tr></table></td></tr></table>'

ccdpop[3]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Chase Freedom Card</font></b></td></tr><tr><td align=left ><b><font class="spybody" size="1">Rewards<font></b></td><td ><font class="spybody" size="1">Earn 3% cash rebates for "everyday purchases" in the three categories you spent the most in any given month, including grocers, gas, fast food, phone, TV/Internet, video rentals, department stores, dry cleaners, drugstores, movie theatres, transportation, pets, utilities, beauty, or gym/rec clubs.<br>Earn 1% for other purchases.<br>Get an extra $50 every time you redeem $200 in rebates.</font></td></tr><tr><td ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="1">Your "everyday purchase" rebates are limited to your first $600 of spending per month.</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Cash rebates.</font></td></tr><tr><td ><b><font class="spybody" size="1">Sign-Up Bonus</b></font></td><td ><font class="spybody" size="1">Chase gives new cardholders $50 in cash back bonus.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">Auto rental insurance, plus up to $500,000 Automatic Travel Accident Insurance<br>Travel and Emergency Assistance; Zero liability on unauthorized purchases<br>Warranty Manager, which doubles covered warranties up to one year</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">20 days</font></td></tr><tr><td align=left ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td align=left ><font class="spybody" size="1">$39.00</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$15 for balances up to $100; $29, if $100 to $250; else $39</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/cclfreed.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; Because of the bonuses and because this card earns 3% in any 3 of 15 spending categories, we highly recommend this card to all who can qualify. You can try to raise the $600/month "rebate cap" by having other adults in your household apply separately.</font></td></tr></table></td></tr></table>'

ccdpop[4]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Citi Dividend Platinum Select Card</font></b></td></tr><tr><td width=30%><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="-2">Earn 2% on purchases at supermarkets, gas stations, drugstores, convenience stores and utilities including cable<br>Earn up to 1% cash reward all other purchases</font></td></tr><tr><td ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="1">300 dividend dollars per year (purchases made through Citi Dividend Merchant Network are not subject to this $300 limit)</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Cash rebates.</font></td></tr><tr><td ><b><font class="spybody" size="1">Sign-Up Bonus</b></font></td><td ><font class="spybody" size="1">5% cash back at gas stations, supermarkets, drugstores, convenience stores, and utilities including cable for 6 months. </font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Insurance Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">Auto Rental Insurance, plus up to $1,000,000 Travel Accident Insurance<br>Travel and Emergency Assistance<br>Zero liability on unauthorized purchases<br>Retail Protection: coverage against theft, fire or accidental breakage for 90 days</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">20 days</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3% min $5.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td ><font class="spybody" size="1">$39.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$15 for balances up to $100; $29, if $100 to $250; else $39</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/cclcitps.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; Other cards pay higher rebates, so this card is mainly worth considering for the Platinum benefits listed above.</font></td></tr></table></td></tr></table>'

ccdpop[5]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Capital One&#174 No Hassle Cash<sup><small>SM</small></sup> Rewards</font></b></td></tr><tr><td  width=30%><b><font class="spybody" size="-2">Rewards</font></b></td><td ><font class="spybody" size="1">25% annual bonus on the cash you earn during the year<br>1% cash back on all purchases you make from day one.<br></font></td></tr><tr><td ><b><font class="spybody" size="1">Caps on Rebates<font></b></td><td ><font class="spybody" size="1">No limit on cash back and rewards won\'t expire for the life of your account<br></font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Cash rebates.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Over-the-credit-limit fee</font></b></td><td ><font class="spybody" size="-2">None</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/ccl1cash.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; The 25% year-end bonus makes this card worthwhile for those purchases where all your other rewards card(s) pay only 1% or less.</font></td></tr></table></td></tr></table>'

ccdpop[6]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Discover Open Road Card</font></b></td></tr><tr><td valign="top" ><b><font class="spybody" size="1">Rewards</b></font></td><td ><font class="spybody" size="-2">Earn 5% rebates for gasoline purchases and auto maintenance<br>For other purchases, earn 0.25% for first $1,500 in annual spending, 0.5% for next $1,500 in annual spending, 1% for spending above $3,000</font></td></tr><tr><td ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="1">Your gas rebates are limited to $1,200 in annual spending per card (equaling $60 per year)</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">We recommend that you redeem rewards points for gift certificates, which on average we estimate will increase your reward to 25% more than Discover\'s cash reward.</font></td></tr><tr><td ><b><font class="spybody" size="1">Rebate Expiration</font></b></td><td ><font class="spybody" size="1">No expiration</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">$500,000 in travel insurance<br>$25,000 in auto rental insurance</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">25 days</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Cash Advance Fee</font></b></td><td ><font class="spybody" size="1">3% min $5.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td nowrap ><font class="spybody" size="1"> $15 on balances up to $500, and $39 on balances over $500. </font></td></tr><tr><td ><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1"> $19 on balances up to $250 and $39 on balances over $250.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/ccldroad.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; This is the best gas card available, but it\'s capped at $1200 of gas spending.&nbsp; Consumers should either get a second gas card to use for further gas expenses, or have each adult in the household apply for a separate Open Road account.</font></td></tr></table></td></tr></table>'

ccdpop[7]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><b><font class="spyhead" size="2">Chase BP Visa&#174 Rewards Card</font></b></td></tr><tr><td width=30% ><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="-2">Earn 5% rebate for gasoline purchases at BP<br>Earn 2% for dining and travel (e.g. tickets, hotels, &amp; car rentals.)<BR>Earn 1% on all other purchases</font></td></tr><tr><td ><b><font class="spybody" size="1">Sign-Up Bonus</b></font></td><td ><font class="spybody" size="1">Earn 10% rebate for BP purchases for first 60 days<br>Earn 4% on dining and travel purchases for first 60 days<BR>Earn 2% on other purchases for first 60 days</font></td></tr><tr><td ><b><font class="spybody" size="1">Caps on Rebate</font></b></td><td ><font class="spybody" size="1">Unlimited</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Cash rebates.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">Warranty Manager, which doubles covered warranties up to one year<br>Zero liability on unauthorized purchases<br>Emergency cash and card replacement</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees/Interest rates</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td align=left ><font class="spybody" size="1">20 days</font></td></tr><tr><td ><b><font class="spybody" size="1">ATM Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3%, minimum $10.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-the-limit fee</font></b></td><td ><font class="spybody" size="-2">$39.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="-2">$15.00 - less than $250; $39.00 - $250 and above</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/cclbp.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; Anyone who <i>already</i> prefers buying gas at BP stations should get this card. Otherwise, see if BP gas is low-cost in your area by clicking now to open up a new page to <font color=blue>http://gasprices.mapquest.com.</font></font></td></tr></table></td></tr></table>'

ccdpop[8]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>National City Bank Everyday Rewards  Elite Visa</font></b></td></tr><tr><td width=30% valign="top"><b><font class="spybody" size="1">Rewards and Caps<font></b></td><td ><font class="spybody" size="1">Earn 4% rebates on gas purchases (up to $250 monthly)<br>Earn 3% rebates on cinema and video (up to $150 monthly)<br>Earn 2% rebates on groceries, restaurants and fast food ($750 monthly)<br>On "other purchases", you earn 0.5% rebates when your annual spending is below $10,000, then unlimited 1% rebates</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Cash rebates.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">Auto rental insurance, plus up to $250,000 in travel accident insurance<br>Travel and emergency accident roadside assistance<br>Purchase Security<br>Warranty Manager, which doubles covered warranties up to one year</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees/Interest rates</font></b></td></tr><tr><td ><b><font class="spybody" size="-2">Grace Period</font></b></td><td ><font class="spybody" size="1">20 days</font></td></tr><tr><td nowrap ><b><font class="spybody" size="-2">Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3% of cash amount</font></td></tr><tr><td ><b><font class="spybody" size="-2">Over-limit fee</font></b></td><td ><font class="spybody" size="1">$36.00</font></td></tr><tr><td ><b><font class="spybody" size="-2">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$29 on balances less than $500, otherwise $39</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/cclncevr.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; Cinema fans and those who like to eat out should consider getting this card.</font></td></tr></table></td></tr></table>'

ccdpop[9]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Discover More Card</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="1">Earn 5% cash rebate from select merchants<br>Earn a 0.25% rebate on first $1,500 of spending<br>Earn a 0.50% rebate between $1,500 and $3,000<br>Earn 1% rebates after spending $3,000.</font></td></tr><tr><td  nowrap><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="1">Earn unlimited rebates</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">We recommend that you redeem rewards points for gift certificates, which on average we estimate will increase your reward to 25% more than Discover\'s cash reward.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">25 days</font></td></tr><tr><td ><b><font class="spybody" size="1">Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3% min $5.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td ><font class="spybody" size="1"> $15 on balances up to $500, and $39 on balances over $500. </font></td></tr><tr><td ><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1"> $19 on balances up to $250; $39 on balances over $250.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/ccldmore.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; Those who often loyally shop with Discover\'s "select merchants" partners may consider this card.  However, consumers who comparison-shop can often get better deals.</font></td></tr></table></td></tr></table>'

ccdpop[10]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Miles Card From Discover</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="1">Earn 1 mile for every dollar you spend (2 miles for travel and dining, on the first $3000 of these types of spending, which earns you $60 per year)</font></td></tr><tr><td ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="1">Earn unlimited miles</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Redeem for airline tickets (1 mile = about 1 dollar.)</font></td></tr><tr><td ><b><font class="spybody" size="1">Sign-Up Bonus</b></font></td><td ><font class="spybody" size="1">Earn 1,000 Bonus Miles each calendar month you make a purchase for 12 months.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees/Interest rates</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">25 days</font></td></tr><tr><td ><b><font class="spybody" size="1">Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3%, min $5.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-the-credit-limit fee</font></b></td><td ><font class="spybody" size="1">$15.00 - balances up to $500<br>$39.00 - balances over $500</font></td></tr><tr><td ><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$15 on balances up to $500; $39 on balances over $500</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/ccldiscm.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; Frequent travelers and those who like to eat out should consider getting this card.</font></td></tr></table></td></tr></table>'

ccdpop[11]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Capital One® No Hassle Miles(SM) Rewards</b></font><font class="spybody" size=-2><br><!--(Note: anyone can apply for this card, not just "professionals".)--></font></td></tr><tr><td ><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="1">Earn 1.25 miles for each dollar spent on purchases<br></font></td></tr><tr><td ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="1">No expiration date on miles and no limit on the miles you can earn<br></font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Redeem for airline tickets (1 mile = about 1 dollar.)</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">Purchase Assurance - fraudulent purchases made on your lost or stolen card will be refunded in 90 days<br>24-Hour Travel and Emergency Assistance<br>MasterCard Global Services&#174 - international 24/7 card assistance</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Introductory rate<font></b></td><td ><font class="spybody" size="1">0% APR on purchases until September 2008</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-the-credit-limit fee</font></b></td><td ><font class="spybody" size="1">None</font></td></tr><tr><td ><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$15 for balances less than $100; $29, if $100 to $250; else $39</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/cclnohmi.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; This is a good card for the frequent traveler who likes to fly on different airlines.<!--Because of this card\'s high 2% reward rate on <b>all</b> purchases, consumers of moderate-to-high income who take even occasional plane trips should get this card.--></font></td></tr></table></td></tr></table>'

//************** ABOVE IS FOR UTLRA VERSION!! ***************

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ccdpop[14]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Citi&#174 PremierPass<sup><small>SM</small></sup> Card</font></b></td></tr><tr><td width=30%><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="1">Earn 1 point per $1 spent on purchases<br>In addition, earn 1 "flight point" for every 3 miles flown by anyone whose ticket you buy with the card (if you want 1 flight point for every mile flown, get the Elite version of this card for a $75 annual fee.)</font></td></tr><tr><td ><b><font class="spybody" size="-2">Caps on Rewards<font></b></td><td ><font class="spybody" size="1">100,000 points per calendar year<br>Only 50,000 of these points may be flight points</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Redeem for airline tickets (1 mile = about 1 dollar.)</font></td></tr><tr><td ><b><font class="spybody" size="1">Sign-Up Bonus</b></font></td><td ><font class="spybody" size="1">10,000 points for the regular card; 20,000 for the Elite card</font></td></tr><tr><td ><b><font class="spybody" size="1">Expiration<font></b></td><td ><font class="spybody" size="1">None, if account has activity within a 3-year period</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">Automatic Travel Accident Insurance and Lost Luggage Insurance<br>Zero liability on unauthorized purchases</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">20 days</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3% min $5.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td ><font class="spybody" size="1">$35.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$15 for balances up to $100; $29, if $100 to $250; else $39</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/cclppass.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; Frequent flyers should acquire this card because they can earn rewards just by flying, without necessarily using the card for spending.  The miles earned are <i>in addition to</i> your miles earned from airline miles programs.  If you fly more than 12,000 miles per year, it\'s worthwhile to get the Elite version.</font></td></tr></table></td></tr></table>'

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ccdpop[16]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>American Express<sup>®</sup> Preferred Rewards Gold Card</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="-2">Earn 1 Membership Rewards<sup>®</sup> Point for virtually every dollar you spend. 10,000 points are redeemable for a $100 gift certificate from many participating merchants, or use points towards tickets from 21 participating airlines.</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="-2">Earn unlimited rebates</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Each 10,000 points is redeemable for a $100 gift certificate from participating merchants.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">Purchase protection, which  covers you if a covered item is stolen or accidentally damaged<br>Various Internet account related services.<br>Access to Gold Card Events including exclusive tickets for select concerts, shows, major sporting events, and more in cities nationwide.<br>Discounts on products and services at participating merchants and retailers<br></font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td ><font class="spybody" size="1">There is no pre-set spending limit.</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$0 to the greater of $35 or 2.99%</font></td></tr></table><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/cclagold.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; This is a good choice if you want a charge card, not a credit card. You must pay off the balance each month, which helps you avoid the temptation to carry a balance. Plus, the $100 signup bonus makes it worthwhile to just try it for a year.</font></td></tr></table></td></tr>'

ccdpop[17]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Citi<sup>®</sup> <b>Diamond Preferred<sup>®</sup></b> Card</font></b></td></tr><tr><td width=30%><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="-2">Earn 1 point per dollar spent.</font></td></tr><tr><td ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="1">Earn up to 75,000 points in one year.</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">6,000 points are redeemable for a $50 gas card or other gift card from participating merchants.</font></td></tr><tr><td ><b><font class="spybody" size="1">Points Expiration</font></b></td><td ><font class="spybody" size="1">5 Years</font></td></tr><tr><td ><b><font class="spybody" size="1">Sign-Up Bonus</b></font></td><td ><font class="spybody" size="1">Receive 6,000 bonus points after the first purchase within 3 months of opening the account.<br>In the first year, you\'ll earn 5 points per dollar spent at gas stations, supermarkets and drugstores. </font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">$0 liability on unauthorized purchases; optional personal photo on card.<br>Retail Protection: coverage against theft, fire or accidental breakage for 90 days</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">20 days</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3% min $5.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td ><font class="spybody" size="1">$39.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$15 for balances up to $100; $29, if $100 to $250; else $39</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/cclcdiam.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; The first-year rewards are very high, and the interest rate is quite low for a rewards card, so consider trying this card if you\'re looking for high immediate gains.</font></td></tr></table></td></tr></table>'

ccdpop[18]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Citi<sup>®</sup> Platinum Select<sup>®</sup> / AAdvantage<sup>®</sup> World MasterCard<sup>®</sup></font></b></td></tr><tr><td width=30%><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="-2">Earn 1 mile per dollar spent.</font></td></tr><tr><td ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="1">100,000 Miles (AAdvantage Platinum®, and AAdvantage Gold® members can ignore this limit.)</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">25,000 miles are redeemable for one round-trip American Airlines ticket anywhere in the contintental U.S. or Canada.</font></td></tr><tr><td ><b><font class="spybody" size="1">Points Expiration</font></b></td><td ><font class="spybody" size="1">AAdvantage® miles may never expire.</font></td></tr><tr><td ><b><font class="spybody" size="1">Sign-Up Bonus</b></font></td><td ><font class="spybody" size="1">Earn 25,000 AAdvantage bonus miles after you make $750 in purchases within 4 months of becoming a cardmember.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">Emergency card replacement, automatic bill payments, auto rental insurance. </font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">20 days</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3% min $5.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td ><font class="spybody" size="1">$39.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$15 for balances up to $100; $29, if $100 to $250; else $39</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/cclcaadv.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; It\'s like getting a free airline ticket -- if you cancel the card before a year is up.</font></td></tr></table></td></tr></table>'

ccdpop[19]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>American Express Blue Cash<sup>®</sup> for Business Card</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="-2">Earn 2.5% on most purchases; earn 5% rebates on "Open Savings purchases" at a few select merchants -- notably FedEx, Kinkos, Hertz, and Marriott hotels. A few other Open Savings merchants allow rebates varying from 3% to 25%.<BR>Once your annual spending exceeds $15,000, earn 2% for Open Savings and 1% for other purchases</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="-2">Earn unlimited rebates</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">Cash rebates.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">Auto Rental Insurance, plus up to $100,000 Travel Accident Insurance<br>Online fraud protection; Emergency worldwide card replacement<br>Return Protection: for any covered item you\'re unsatisfied with, you can return it<br>Warranty extension, which doubles covered warranties up to one year<br>Purchase protection, which  covers you if a covered item is stolen or accidentally damaged<br></font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">25 days</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3% min $5.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td ><font class="spybody" size="1">$35.00</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$15 for balances up to $100; $29, if $100 to $1000; else $35</font></td></tr></table><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/cclblueb.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; This is the best card for businesses because of the high 2.5% rebate. To effectively raise  the $15,000 cap, applying for multiple cards for other people in your business to use is possible.</font></td></tr></table></td></tr>'

ccdpop[20]= '<table border="1" cellspacing="0"><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Capital One® No Hassle Points<sup><small>SM</small></sup> Rewards</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Rewards</font></b></td><td ><font class="spybody" size="-2">Earn 5 points per dollar spent at gas stations, major grocery and drug stores<br>Earn 1 point per dollar spent on all other purchases</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Caps on Rewards<font></b></td><td ><font class="spybody" size="-2">Earn unlimited rebates</font></td></tr><tr><td nowrap ><b><font class="spybody" size="1">Redeem Rewards For:<font></b></td><td ><font class="spybody" size="-2">You can redeem 3,400 points for a $25 gift card, or redeem 5,000 points for $25 cash.</font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Other Benefits</font></b></td></tr><tr><td colspan=2><font class="spybody" size="1">Platinum Benefits including extended warranties, travel accident insurance, and 24-hour roadside assistance<br></font></td></tr><tr><td align="center" colspan="2" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>Cost/Fees</font></b></td></tr><tr><td ><b><font class="spybody" size="1">Grace Period</font></b></td><td ><font class="spybody" size="1">25 days</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Cash Advance fee</font></b></td><td ><font class="spybody" size="1">3%, minimum $10.00</font></td></tr><tr><td ><b><font class="spybody" size="1">Over-limit fee</font></b></td><td ><font class="spybody" size="1">$39.00</font></td></tr><tr><td nowrap><b><font class="spybody" size="1">Late Payment fee</font></b></td><td ><font class="spybody" size="1">$15 for balances less than $100; $29, if $100 to $249.49; else $39</font></td></tr></table><tr><td align="center" colspan="2" bgcolor="#FFDD99"><table border="0" cellpadding=2 cellspacing="0"><tr><td><img src="/images/ccl1pore.jpg" height=130 width=207></td><td valign=top><font class="spyadvise" size="1"><b>Our Opinion:</b>&nbsp; This card is <i>only</i> for people whose credit is <i>fair</i>&nbsp; (i.e. you are new to credit cards, or your shaky credit needs improvement.) That said, it is clearly the best rewards card for people with fair credit.</font></td></tr></table></td></tr>'
}



eex= '<table border="1" xbordercolor=#000099 cellspacing="0" cellpadding=6><tr><td align="center" bgcolor="#FFDD99"><font class="spyhead" size="2"><b>What\'s This "Estimated Yearly Reward" Thing?</font></b></td></tr><tr><td><font class="spybody" size="1">This is automatically calculated for you, so you don\'t need to give this explanation anything more than a quick scan. Your <i>Estimated Yearly Reward</i><font class=verysmall>&nbsp;</font> includes:<font class=verysmall><br>&nbsp;</font><table align=center cellpadding=0 cellspacing=0 border=0><tr><td valign=top><font class="spybody" size="1"><ol><li>Rebate percentages<li>Exchange ratios (i.e. some cards let you exchange a $20 rebate for a $25 gift card, while others let you exchange 6,000 "points" for a $50 gift card)<li>Caps on rebates<li>"Tiered rebates" (increased rewards for higher spending)</ol></font></td></tr></table>It does not include:<font class=verysmall><br>&nbsp;</font><table align=center cellpadding=0 cellspacing=0 border=0><tr><td valign=top><font class="spybody" size="1"><ol><li>Annual fee<li>Any sign-up bonuses<li>"Per-mile" rebates awarded (i.e. by the Driver\'s Edge and PremierPass cards)<li>Higher rebates for shopping at favored chains (i.e. the BP Visa and Discover More cards)</ol></td></tr></table>It assumes average American household spending patterns:<font class=verysmall><br>&nbsp;</font><table align=center cellpadding=0 cellspacing=0 border=0><tr><td valign=top><font class="spybody" size="1"><ol><li><b>18.8%</b> on groceries<li><b>12.7%</b> on gas<li><b>12.7%</b> at drugstores<li><b>11.1%</b> on travel<li><b>5.5%</b> on fast food</ol></font></td><td valign=top><font class="spybody" size="1"><ol start=6><li><b>6.7%</b> on other dining<li><b>5.0%</b> on phone bills<li><b>4.4%</b> at department stores<li><b>3.0%</b> on cable and Internet services</ol></font></td></tr></table>(Of course your spending patterns certainly are different -- and I\'ll bet you\'re already planning to take that into consideration!)</font></td></tr></table>'

//href="http://redirect/redirectcode"
//onmouseover="this.href='http://www.domain.com/';"

//http://links.ncsreporting.com/redirect.aspx?cr=307127&of=801&af=124882&ac=100

//Food: $3297 ($5931 - $2634 restaur)
//Gas: $2013
//Drugs/misc = about $1200 => total = $6500 (one third)
//Total cc exp on avg = $20,000
//Source: http://www.bls.gov/cex/csxann05.pdf

function addAsterisk(toadd) {
if (asterisks != ' ') { asterisks+= '<br>' }
asterisks+= toadd
}

function ccReward(cn,spending) {
groc_spending= spending * 0.1878
gas_spending= spending * 0.1265
drug_spending= spending*0.1272
travel_spending= spending*0.1108
dine_spending= spending*0.06655
fastfood_spending= spending * 0.05446
phone_spending= spending * 0.05 //$12000
depstore_spending= spending *0.044
ispcable_spending= spending*0.03
cablecon_spending= spending * 0.02

//$1591 Dining (excluding Fast Food Restaurants), $390 Airline, $200 Auto Rental, or $463 Lodging = $2644 = 11.08%
movid_spending = spending*0.0069

grocdrug_spending= spending * 0.3150
ggd_spending= gas_spending+grocdrug_spending
grocdine_spending= groc_spending + fastfood_spending + dine_spending
//ff= $157 billion (2008) = $1300/household -- http://goliath.ecnext.com/coms2/gi_0199-4250306/Restaurant-research-operators-focusing-on.html
cggd_spending= gas_spending+grocdrug_spending+cablecon_spending
rest_spending=  spending - (cggd_spending)
restcc_spending= rest_spending + cablecon_spending
//Chase major: grocers, gas, fast food, phone, TV/Internet, department stores, utilities

//grocdrug, gas, dining, travel

//national avg
if (cn == 0) { return(1+Math.ceil(spending*0.0125)) } //not 1.4

//aexp blue cash
if (cn == 1) {
 eds_ratio= (ggd_spending)/spending
 basicperc= 0.005 + (eds_ratio*0.005) // if (spending < 6500) 
 if (spending > 6500) {
   bonusperc= 0.015 + (eds_ratio*0.035) // if (spending < 6500)
   realperc= (basicperc * (6500/spending)) + (bonusperc * ((spending-6500)/spending))
   }
  else { realperc= basicperc }
 return(Math.ceil(realperc*spending))
 }

//Driver's edge
if (cn == 2) {
 eds_rebates= Math.ceil((ggd_spending*0.03) + (restcc_spending*0.01))
 drive_rebates= 0
 return(Math.min(1000,drive_rebates+eds_rebates)) //$120 assumes 12,000 miles/year driving
 }
//**Incentive: 6% (+3%) first year
// if (eds_rebates > 120) { drive_rebates= 120 } else { drive_rebates= eds_rebates }

//Chase Freedom
if (cn == 3) {
 chase_spending= fastfood_spending + phone_spending + depstore_spending
 if (chase_spending > 7200) { chase_spending= 7200 }
 chase_rebates= chase_spending*0.0375
 rcc= spending-chase_spending
 card2_rebates= Math.ceil((chase_spending*0.0375) + (rcc*0.0125))
 tggd= ggd_spending
 if (tggd > 7200) { tggd= 7200 }
 rcc= spending-tggd
 return(Math.ceil((tggd*0.0375) + (rcc*0.0125)))
 }

//Cap: $600/mo on eds
// Incentive: $50

//Citi Dividend Platinum Select Mastercard
if (cn == 4) { 
 capped_reward= Math.ceil((ggd_spending*0.02)+(rest_spending*0.01))
 if (capped_reward > 300) { capped_reward= 300 }
 return(capped_reward) 
 }
//Cap: earn up to $300 rebates in a year. 
//**incentive: 5% cash back at gas stations, supermarkets, drugstores, convenience stores, utilities including cable for 6 months. 

//Capital One No Hassle Cash Rewards 
if (cn == 5) { return(Math.ceil(spending*0.0125)) }
//This card gives you 1% cash back on everything you buy from day one, as well as a 25% annual bonus on the cash rewards you've earned during the year.  Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One<sup>®</sup> Saving ZoneSM on Yahoo! Shopping.  -- http://askmrcreditcard.com/capitalonenohasslecashrewards.html

//Discover Open Road Card 
if (cn == 6) {
 if (gas_spending < 1200) { gas_rebates= gas_spending*0.05; other_spending= spending-gas_spending }
  else { gas_rebates= 60; other_spending= spending-1200 } // Up to doubling by gift-cert acquisition
 if (other_spending < 1500) { other_rebates= 0.0025*other_spending }
  else {
   other_rebates= 0.0025 * (1500)
   other_spending-= (1500)
   if (other_spending <  1500) { other_rebates+= (0.005*other_spending) }
    else { other_rebates+= (0.005*1500) + (0.01*(other_spending - 1500)) }
   }
 return(Math.ceil(1.25*(gas_rebates + other_rebates))) //Assuming ecert-exchange
 }

//Citi PremierPass Elite: special case, card#14

//BP Rewards Visa
if (cn == 7) { return(Math.ceil(((travel_spending+dine_spending)*0.02) + (spending - travel_spending - dine_spending)*0.01)) } //+ (gas_spending*0.05)  - gas_spending 
// Don't buy at BP after 60 days, but usually cheaper, often at Safeway stores or near 'em, look at mapquest for a few weeks to get a hang of it.
// Incentive: new cardholders can earn 10% Rebates on all participating BP location purchases, 4% Rebates on eligible travel and dining purchases and 2% Rebates on all other eligible purchases for the first 60 days. 

//National City Everyday Rewards Visa
if (cn == 8) {
 if (gas_spending < 3000) { gas_capped= gas_spending } else { gas_capped= 3000 }
 if (movid_spending < 1800) { movid_capped= movid_spending } else { gas_capped= 1800 }
 if (grocdine_spending < 9000) { grocdine_capped= grocdine_spending } else { grocdine_capped= 9000 }
 other_spending= spending - gas_capped - movid_capped - grocdine_capped
 return(Math.ceil((gas_capped*0.04) + (movid_capped*0.03) + (grocdine_capped*0.02) + (other_spending*0.0025))) //fudgy! is 0.25% to 1%
 }

//Discover More Card
if (cn == 9) {
 if (spending <= 1500) { tot_rebates= spending*0.0025 }
  else {
   tot_rebates= 1500*0.0025
   if (spending <= 3000) { tot_rebates+= (spending-1500)*0.005 }
    else {
     tot_rebates+= (1500*0.005) + ((spending-3000)*0.01)
     }
   }
 return(Math.ceil(tot_rebates*1.25)) //Assuming ecert-exchange
 }
//Disregard 5% at select merchants, remind:  Up to double 'em for gift certificates. (http://www.askmrcreditcard.com/discoverplatinumcard.html)

//Miles by Discover Card
if (cn == 10) {
 doubled_spending= travel_spending + fastfood_spending + dine_spending
 if (doubled_spending > 3000) { doubled_spending= 3000 }
 return(Math.ceil((spending*0.01) + (doubled_spending*0.02)))
 }
// Incentive: 12,000 bonus miles: Earn 1,000 Bonus Miles each calendar month you make a purchase for 12 months.  Only Disco-card that doesn't allow certs for up to doubling of your bonus.

//Capital One No Hassle Miles Rewards
if (cn == 11) { 

// if (spending < 5200) {

   myrewards= spending*0.0125;
   ccbennies[11]= 'Earn <b>1.25 miles</b> per dollar spent.'
//   addAsterisk('<sup>1</sup>The <i>No Hassle Miles Card</i> also comes in an "Ultra" version for an annual fee of $39:&nbsp; With this card, you\'ll earn two miles per dollar spent.')
   nohassnote= '<sup>1</sup>The <a href=http://money.cnn.com target=_blank>Money Magazine</a> guys somehow missed this, but the <i>No Hassle Miles Card</i> also comes in an "Ultra" version for an annual fee of $39:&nbsp; With this card, you\'ll earn two miles per dollar spent instead of 1.25 miles. If you plan to spend more than $5,200 on this card, it\'s worthwhile to get the Ultra version.'
   cc_afee[11]= 'Free<sup>1</sup>'
   ccnames[11]= 'Capital One<sup>®</sup> <b>No Hassle Miles</b><sup><small>SM</small></sup> Rewards'
// }

//  else {
//   myrewards= (spending*0.02) -39;
//   ccbennies[11]= 'Earn <b>2 miles</b> per dollar spent.'
//   cc_afee[11]= '$39<sup>1</sup>'
//   addAsterisk('<sup>1</sup>The <i>No Hassle Miles Ultra Card</i> also comes in a version that has no annual fee:&nbsp; With this card, you\'ll earn 1.25 miles per dollar spent.')
//   nohassnote= '<sup>1</sup>The <i>No Hassle Miles Ultra Card</i> also comes in a version that has no annual fee:&nbsp; With this card, you\'ll earn 1.25 miles per dollar spent.'
//   ccnames[11]= 'Capital One<sup>®</sup> <b>No Hassle Miles Ultra</b><sup><small>SM</small></sup> Rewards' 
//   } //Ultra version
 return(Math.ceil(myrewards))
 }
//Nice: No Blackout Dates, No Seat Restrictions

//Cash Plus Rewards Visa (DISCONTINUED)
if (cn == 12) { 
 capped_reward= Math.ceil((cggd_spending*0.05)+(rest_spending*0.01))
 if (capped_reward > 300) { capped_reward= 300 }
 return(capped_reward) 
 }

//Bank of America Power Rewards Visa (DISCONTINUED)
if (cn == 13) { return(Math.ceil(spending*0.01)) }

//True Earnings card: good credit
//if (cn == 16) { return(Math.ceil(((gas_spending+dine_spending)*0.03) + (travel_spending*0.02) + (spending - travel_spending - gas_spending - dine_spending)*0.01)) }

//American Express<sup>®</sup> Preferred Rewards Gold Card
if (cn == 16) { return(Math.ceil(spending*0.01)) }

//The Citi<sup>®</sup> / AAdvantage<sup>®</sup> card 
if (cn == 18) { return(Math.ceil(spending*0.01)) }

//Citi Diamond preferred rewards:
if (cn == 17) {
 cdiam_rebates= 50+Math.ceil(((ggd_spending*0.05) + (restcc_spending*0.01)) * (5/6))
 odiam_rebates= Math.ceil(spending * 0.01 * (5/6))
 return(odiam_rebates)
 }

//AE Biz Blue Cash
if (cn == 19) {
 if (spending < 15000) { capped= spending; extras=0 } else { extras= spending- 15000; capped= 15000;  }
 return(Math.ceil((extras*0.0105) + (capped*0.026))) //fudgy! is at least 0.01 and 0.025
 }

//Cap One No Hassle Points, Fair Credit:
if (cn == 20) {
 c1nhp_rebates= Math.ceil(((ggd_spending*0.05) + (restcc_spending*0.01))*( 25/34)) //
 return(c1nhp_rebates) //$120 assumes 12,000 miles/year driving
 }

//Citi PremierPass
if (cn == 14) {
 myrewards= Math.ceil(spending*0.01)
// eliterewards= Math.ceil((ggd_spending*0.02) + ((spending - ggd_spending)*0.01) -75)
// if (eliterewards < myrewards) {
   ccbennies[14]= 'Earn <b>1 mile</b> per dollar spent; get <small>1/3</small> mile for<br> each mile flown by who you buy a ticket for.'
   cc_afee[14]= 'Free<sup>2</sup>'
   addAsterisk('<sup>2</sup>The <i>Citi PremierPass Card</i> also comes in an "Elite" version for an annual fee of $75:&nbsp; When you use this Elite card at grocers, gas stations and drugstores, you\'ll earn two miles per dollar spent, and receive one mile (instead of 1/3 mile) for each mile flown by you or anyone you buy tickets for with this card.<br clear=all><img width=57 height=27 align=left src="/images/bonus.gif"> <b>Citi PremierPass Bonus:</b> For the standard version, receive 10,000 bonus miles after making $600 in purchases within 3 months of account opening; for the Elite card the offer is 20,000 bonus miles.)')
   premiernote= '<sup>2</sup>The <i>Citi PremierPass Card</i> also comes in an "Elite" version for an annual fee of $75:&nbsp; When you use this Elite card at grocers, gas stations and drugstores, you\'ll earn two miles per dollar spent, and receive one mile (instead of 1/3 mile) for each mile flown by you or anyone you buy tickets for with this card.<br clear=all><img width=57 height=27 align=left src="/images/bonus.gif"> <b>Citi PremierPass Bonus:</b> For the standard version, receive 10,000 bonus miles after making $600 in purchases within 3 months of account opening; for the Elite card the offer is 20,000 bonus miles.'
   ccnames[14]= 'Citi<sup>®</sup> <b>PremierPass</b><sup><small>SM</small></sup> Card'
   return(myrewards)
//   }
//  else {
//   ccbennies[14]= 'Earn 2 miles per dollar spent.'
//   cc_afee[14]= '$75'
//   ccnames[14]= '<b>PremierPass Card Elite</b> by Citibank'
//   return(eliterewards)
//   }
// alert(myrewards + '/' +eliterewards)
 }
//Also: 1/3 mile per mile flown, 10-20000 bonus points, elite for $75/year = triple miles, double rebate at superm, gas stations, drugstores

//Best combination of  four cards
if (cn == 15) {
//for later Chase Freedom card analysis:
 tggd= ggd_spending
 adj_spending= spending
//Discover open road:  // Includes doubling by gift-cert acquisition
 if (gas_spending < 1200) {
   gas_rebates= gas_spending * 0.05 * 1.25 //Assuming ecert-exchange;
   tggd-= gas_spending
   adj_spending-= gas_spending
   gas_spending= 0
   }
  else {
   gas_rebates= 60*1.25; //Assuming ecert-exchange
   tggd-= 1200
   adj_spending-= 1200
   gas_spending-= 1200
// Driver's Edge instead of AE...
//   edgegas_rebates= (gas_spending*0.03)
//   tggd-= gas_spending
//   gas_spending= 0
   }

//Miles by Discover Card
// doubled_spending= travel_spending + fastfood_spending + dine_spending
// if (doubled_spending > 3000) { doubled_spending= 3000 }
// miles_rebates= doubled_spending*0.02

//Chase Freedom Card
chase_spending= fastfood_spending + phone_spending + depstore_spending
if (chase_spending > 7200) { chase_spending= 7200 }
chase_rebates= chase_spending*0.0375
adj_spending-= chase_spending

//Examine American-Express Blue Cash alternative
 eds_ratio= (tggd)/adj_spending
 basicperc= 0.005 + (eds_ratio*0.005) // if (adj_spending < 6500) 
 if (adj_spending > 6500) {
   bonusperc= 0.015 + (eds_ratio*0.035) // if (adj_spending < 6500)
   realperc= (basicperc * (6500/adj_spending)) + (bonusperc * ((adj_spending-6500)/adj_spending))
   }
  else { realperc= basicperc }
/*
 if (spending > 18500) {
  ccnames[15]= '<b><font color=blue><i>Good Combo:</i></font><small> (1) AmEx Blue Cash + (2) Chase Freedom Card + (3) Open Road Card</b></small>'
  ccbennies[15]= '<b>Blue Cash:</b> pays up to 5% on many goods.<br><b>Freedom Card:</b> pays 3% on 3 categories.<br><b>Open Road Card:</b> pays 5% on gas.<br><i>See cards above for more details.</i>'
  return(Math.ceil(gas_rebates + chase_rebates + (adj_spending*realperc))) //return
  }
*/

//NO:
// basicperc= 0.005
// if (adj_spending > 6500) {
//   bonusperc= 0.015
//   realperc= (basicperc * (6500/adj_spending)) + (bonusperc * ((adj_spending-6500)/adj_spending))
//   }
//  else { realperc= basicperc }
//alert(Math.round(gas_rebates + miles_rebates + (acc*realperc)))

//Driver's Edge now
/*
 ccnames[15]= '<b><i><font color=blue>Good Combo:</font></i><small> (1) Freedom Card + (2) Open Road Card + (3) Driver\'s Edge Card</b></small>'
  ccbennies[15]= '<b>Freedom Card:</b> pays 3% on 3 categories.<br><b>Open Road Card:</b> pays 5% on gas.<br><b>Driver\'s Edge:</b> pays 3% on gas, grocers &amp;<br>drugstores. <i>Above list has further details.</i>'
*/
 adj_spending-= tggd
// alert(gas_rebates + '/' +  chase_rebates + '/' +  (tggd*0.03) + '/' +  (adj_spending*0.01))
 return(Math.ceil(gas_rebates + chase_rebates + (tggd*0.03) + (adj_spending*0.0125)))
// 75 80 202 74
 }
//Also: 1/3 mile per mile flown, 5-15000 bonus points, elite for $75/year = triple miles, double rebate at superm, gas stations, drugstores

//groc_spending= spending * 0.1878
//gas_spending= spending * 0.1265
//drug_spending= spending*0.1272
//travel_spending= spending*0.1108
//dine_spending= spending*0.06665
//fastfood_spending= spending * 0.05446
//phone_spending= spending * 0.05 //$12000
//depstore_spending= spending *0.044
//ispcable_spending= spending*0.03
//cablecon_spending= spending * 0.02

}

function myBubbleSort() {
var length= ncc
    for (var i=0; i<(length-1); i++)
        for (var j=i+1; j<length; j++)
            if (rewardsort[j] > rewardsort[i]) {
                var dummy = rewardsort[i];
                rewardsort[i] = rewardsort[j];
                rewardsort[j] = dummy;
                var dummy = rewards[i];
                rewards[i] = rewards[j];
                rewards[j] = dummy;
                var dummy = rew_cc[i];
                rew_cc[i] = rew_cc[j];
                rew_cc[j] = dummy;
            }
}

rewards= new Array()
rewardsort= new Array()
rew_cc= new Array()

function percString(percfract) {
percfract*= 100
tobarf= Math.floor(percfract)
percfract-= tobarf
percfract*= 10
barf2= Math.floor(percfract)
percfract-= barf2
percfract*= 10
barf3= Math.floor(percfract)
return(tobarf+'.'+barf2+''+barf3)
}

function noHint() {
  document.images['eyehover'].width= 1
  document.images['eyehover'].height= 1
  document.images['eyehover'].src= '/images/transdot.gif'
}

function noFunc() {
doesnothing= 1
}

headrow= '<tr bgcolor=#BBCCDD><td valign=bottom ><font class=boldtable>Rank&nbsp;</font></td><td valign=bottom ><font class=boldtable>Card Name</font></td><td valign=bottom  align=center><font class=boldtable>Next Steps<br><img src="/images/transdot.gif" width=75 height=1 id="buttcol" style="position: absolute"></font></td><td valign=bottom ><img name="eyehover" src="/images/transdot.gif" height=1 width=1"><font class=boldtable>Rewards</font></td><td valign=bottom nowrap align=center><font class=boldtable>Estimated<br>Yearly<br>Reward<br><a href="javascript:noFunc()" onmouseover="ddrivetip(eex,451);window.status=\'\'" onmouseout="hideddrivetip(true)"><font face=arial><span style="font-weight:normal"><small>(What\'s this?)</small></span></font></a></font></td><td valign=bottom  align=center><font class=boldtable>Redeem For </font></td><td valign=bottom  align=center><font class=boldtable>Interest Rate (APR)</font></td><td valign=bottom  align=center><font class=boldtable>Annual Fee</font></td></tr>\n'

//<a href="example.htm"><img  onmouseover="ddrivetip (eex,451);window.status=\'\'" onmouseout="hideddrivetip(true)" vspace=0 src="/images/whatitis.gif" border=0 height=16 width=63 alt="what\'s this?"></a>

function ccShow(spending) {
asterisks= ' '

usejs= 1
//addAsterisk('&sup1;The <i>Prime Rate</i> is currently 6.00%.&nbsp; It is always based on the rate set by the Federal Reserve Board.')

ts= '<table width=100% bgcolor=#FFFFFF cellpadding=1 cellspacing=1 border=0 bordercolor=#666666>' + headrow

//Card: include v/mc/amex
//** 1st year waived
// Mini-review: grace period, bigger card picture, credit needed
//<td><font class=intable>Introductory APR</font></td>
//etc

for (i = 0; i < ncc; i++){
 rewards[i]= ccReward(i,spending)
 rewardsort[i]= rewards[i] - Math.max(14000,i*1000)
 rew_cc[i]= i
 }
myBubbleSort()
buttcount= 0
ranking= 0
for (i = 0; i < ncc; i++)  if (rew_cc[i] != 12 && rew_cc[i] != 13 && rew_cc[i] != 4 && rew_cc[i] != 7 && rew_cc[i] != 3) {
 prevrank= ranking
 fc= 'intable' 
 if (rew_cc[i] == 15) { bgc= '#FFEE99'; bgc='#DDFFEE'  }
  else if (ccnames[rew_cc[i]].indexOf('National average') >= 0) { fc= 'intablegray'; bgc='#DDFFEE' }
  else {
//    if (i % 2 == 1) { bgc= '#BBDDFF' }
//      else { bgc= '#DDEEFF' }
    bgc= '#BBDDFF' 
    if (rew_cc[i] != 13 && rew_cc[i] != 12) { ranking++ }
    }
 ts+= '<tr bgcolor=' + bgc + '><td align=right>'
 if (ranking != prevrank) { ts+= '<font class="shadowy">' + ranking + '.&nbsp;<font color="' + bgc + '" class="lightly">' + ranking + '.&nbsp;</font></font>' }
  else { ts+= '&nbsp;' }
 ts+= '</td><td xbordercolor=#BBBBBB><font class=' + fc +
   '>'
if (ccgoodok[rew_cc[i]] == 1) { ts+= '<a title="You don\'t need very good credit to get this card."><img src="/images/thumbsup.gif" align=right></a>'}
 else if (ccgoodok[rew_cc[i]] == 2) { ts+= '<a title="This card is ONLY for people whose credit is FAIR: i.e. you are new to credit cards, or your credit is a little shaky and needs improvement."><img src="/images/thumbsup.gif" align=right><img src="/images/thumbsup.gif" align=right></a>'}
if (usejs > 0) {clickgo= cc_show[rew_cc[i]] }
 else { clickgo= cc_go[rew_cc[i]]; }
if (ranking != prevrank) {
 ts+= '<a href="' + clickgo + '" target=_blank '
 if (usejs > 0) {
  ts+= 'onMouseover="window.status=\'\'; return true;" '
  if (cc_go[rew_cc[i]].indexOf('http') >= 0) { ts+= ' onClick="this.href=\'/cgi-bin/apply.cgi?owner=' + escape(issuer[rew_cc[i]]) + '&mode=ssl-encryption&site=' + escape(cc_go[rew_cc[i]]) + '\'; window.status=\'\'; return true" ' }
  }
 ts+= 'rel="nofollow">' 
 } 

ts+=  ccnames[rew_cc[i]]
if (ranking != prevrank) { ts+= '</a>' }
ts+= '</font></td><td align=center>'

if (rew_cc[i] == 7) { spyshow= 'http://gasprices.mapquest.com'; spygo= 'http://gasprices.mapquest.com' }
 else { spyshow= cc_show[rew_cc[i]]; spygo= '/cgi-bin/apply.cgi?owner=' + escape(issuer[rew_cc[i]]) + '&mode=ssl-encryption&site=' + escape(cc_go[rew_cc[i]])  }
if (rew_cc[i] == 15) { ts+= '<font class=' + fc + '> </font>' }
 else if (ccdpop[rew_cc[i]].length > 10) {
  if (usejs > 0) {
   ts+= '<a href="' + spyshow + '"  '
   if (usejs > 0 && cc_go[rew_cc[i]].indexOf('http') >= 0) ts+= 'onClick="this.href=\'' + spygo + '\'; window.status=\'\'; return true;" onMouseover="window.status=\'\'; return true;" '
   ts+= ' target=_blank><img src="/images/spyit1.jpg" border="0" id="button' + (buttcount+1) + '" width="50" height="20"'
   if (usejs>0) ts+= ' onmouseover="document.getElementById(\'button' + (buttcount+1) + '\').src=\'/images/spyit2.jpg\';ddrivetip(ccdpop[' + rew_cc[i] + '],450);window.status=\'\'" onmouseout="document.getElementById(\'button' + (buttcount+1) + '\').src = \'/images/spyit1.jpg\';hideddrivetip(true);noHint()"'
   ts+= '></a>'
   }
  ts+= '<br><a href="' + clickgo + '" '
  if (usejs > 0 && cc_go[rew_cc[i]].indexOf('http') >= 0) ts+= 'onClick="this.href=\'/cgi-bin/apply.cgi?owner=' + escape(issuer[rew_cc[i]]) + '&mode=ssl-encryption&site=' + escape(cc_go[rew_cc[i]]) + '\'; window.status=\'\'; return true;" '
  ts+= ' target=_blank title="Click to apply or get more details" '
  if (usejs>0) ts+= ' onmouseover="document.getElementById(\'button' + buttcount + '\').src=\'/images/getit2.jpg\'; window.status=\'\'" onmouseout="document.getElementById(\'button' + buttcount + '\').src = \'/images/getit1.jpg\'"'
  ts+= '><img border="0" id="button' + buttcount + '" width="50" height="20" src="/images/getit1.jpg"></a>' 

  buttcount+= 2
//onmouseover="document.getElementById(\'button' + (buttcount+1) + '\').src=\'/images/getit2.jpg\';ddrivetip(ccdpop[' + rew_cc[i] + '],450);
//onmouseover="document.getElementById(\'button' + buttcount +        '\').src=\'/images/spyit2.jpg\'; window.status=\'\'" 
  }
 else if (rew_cc[i] == 12 || rew_cc[i] == 13) {
  ts+= '<font class=' + fc + '><i><small>(Canceled by issuer)</small></i></font>'
  }
 else {ts+= '&nbsp;' }

ts+= '</td><td nowrap><font class=' + fc + '>' + ccbennies[rew_cc[i]] + '</font></td><td align=center><font class=' + fc + '>'

if (rew_cc[i] == 12 || rew_cc[i] == 13) { ts+= '<strike>' }
ts+= '&nbsp;$' + rewards[i] + '<br>&nbsp; (' + percString(rewards[i]/spending) + '%)'

if (rew_cc[i] == 12 || rew_cc[i] == 13) { ts+= '</strike>' }
ts+= '</font></td><td align=center><font class=' + fc + '><a title="' + ccredtitle[rew_cc[i]] + '"><img src="/images/rc' + ccredeem[rew_cc[i]] + '.gif" xheight=28></a></font></td><td align=center><font class=' + fc + '>' + cc_apr[rew_cc[i]] + '</font></td><td align=center><font class=' + fc + '>' + cc_afee[rew_cc[i]] + '</font></td></tr>\n'


if (rew_cc[i] == 15) { ts+= '<tr bgcolor=#000066><td colspan=8><font class=verysmall><br></font><table align=center class=dplaque background="/images/gold7.jpg"><tr><td><font class=intable><center><big><b>Top 5 Ben Franklin Quotes:</b></big></center><ol>5. &quot;Beware of little expenses. A small leak will sink a great ship.&quot;<br>4. &quot;An investment in knowledge pays the best interest.&quot;<br>3. &quot;Tricks and treachery are the practice of fools, that don\'t have brains enough to be honest.&quot;<br>2. &quot;The Constitution only gives people the right to pursue happiness. You have to catch it yourself.&quot;<br>1. &quot;Where liberty is, there is my country.&quot;</ol></font></td></tr></table><font class=verysmall><br></font><font class=headtable>&nbsp;There\'s a good chance that one of these five cards will help the cause of your financial freedom (surprisingly, they\'re often overlooked even by consumer-advocate reviewers):</font></td></tr><tr><td colspan=8 bgcolor=#000066><table width=100% cellpadding=0 cellspacing=0 border=0><tr><td height=201 width=270 background="/images/cardbuck4.jpg">&nbsp;</td><td valign=top  background="/images/stripey.gif" xbgcolor=#EEEEEE><table xalign=center xheight=184 xwidth=100% cellpadding=0 cellspacing=0 border=0><tr><td height=36 valign=bottom><table align=left cellpadding=0 cellspacing=0 border=0 height=32><tr><td valign=top height=32><font class=big_george >10.</font>&nbsp;</td><td valign=bottom><font class=pagebig>You\'ll avoid any revolving debt with this <b>Gold<br>Charge Card</b> while collecting good rewards.</font></td></tr></table></td></tr><tr><td height=40 valign=bottom><table align=left cellpadding=0 cellspacing=0 border=0 height=32><tr><td valign=top height=32><font class=big_george >11.</font>&nbsp;</td><td valign=bottom><font class=pagebig>For the first year, this <b>Diamond Card</b> rewards <br> you more than almost all other rewards cards.</font></td></tr></table></td></tr><tr><td height=40 valign=bottom><table align=left cellpadding=0 cellspacing=0 border=0 height=32><tr><td valign=top height=32><font class=big_george >12.</font>&nbsp;</td><td valign=bottom><font class=pagebig>This <b>AAdvantage Platinum</b> miles card has a great <br>sign-up bonus: a plane ticket worth around $250.</font></td></tr></table></td></tr><tr><td height=40 valign=bottom><table align=left cellpadding=0 cellspacing=0 border=0 height=32><tr><td valign=top height=32><font class=big_george >13.</font>&nbsp;</td><td valign=bottom><font class=pagebig>This <b>Blue Cash for Business</b> card is the best all-<br>around rewards card for businesses.</font></td></tr></table></td></tr><tr><td height=40 valign=bottom><table align=left cellpadding=0 cellspacing=0 border=0 height=32><tr><td valign=top height=32><font class=big_george >14.</font>&nbsp;</td><td valign=bottom><font class=pagebig>If your credit is new or needs rebuilding, this <b>No<br>Hassle Points</b> card is close to being a must-have.</font></td></tr></table></td></tr></table></td></tr></table></td></tr>\n' + headrow }


if (rew_cc[i] == 2) {  ts+= '<tr bgcolor=' + bgc + '><td colspan=8><font class=intable><img width=57 height=27 align=left src="/images/bonus.gif"> <b>Driver\'s Edge Bonus:</b> For the <b>first year,</b> you\'ll earn <b>6% cash back</b> (instead of 3%) on purchases made at supermarkets, gas stations, and drugstores.</font></td></tr>\n' }

if (rew_cc[i] == 3) {  ts+= '<tr bgcolor=' + bgc + '><td colspan=8><font class=intable><img width=57 height=27 align=left src="/images/bonus.gif"> <b>Chase Freedom Card Bonus:</b> Earn a <b>$50 bonus</b> rebate after the first purchase, balance transfer, or check transaction.</font></td></tr>\n' }

if (rew_cc[i] == 4) {  ts+= '<tr bgcolor=' + bgc + '><td colspan=8><font class=intable><img width=57 height=27 align=left src="/images/bonus.gif"> <b>Citi Dividend Card Bonus:</b> For 6 months, you\'ll earn a <b>5% cash back</b> rebate on purchases made at supermarkets, gas stations, drugstores, convenience stores, and utilities including cable.</font></td></tr>\n' }

if (rew_cc[i] == 7) {  ts+= '<tr bgcolor=' + bgc + '><td colspan=8><font class=intable><img width=57 height=27 align=left src="/images/bonus.gif"> <b>BP Visa Card Bonus:</b> For the first 60 days you\'ll earn 10% rebates on all participating BP purchases, 4% rebates on eligible travel and dining purchases, and 2% rebates on all other eligible purchases.</font></td></tr>\n' }

if (rew_cc[i] == 10) {  ts+= '<tr bgcolor=' + bgc + '><td colspan=8><font class=intable><img width=57 height=27 align=left src="/images/bonus.gif"> <b>Discover Miles Card Bonus:</b> Earn up to <b>12,000 bonus miles:</b>&nbsp; Cardholders will receive 1,000 bonus miles every month they make a purchase during the first year.</font></td></tr>\n' }

if (rew_cc[i] == 11) { ts+= '<tr bgcolor=' + bgc + '><td colspan=8><font class=intable>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;' + nohassnote + '</font></td></tr>\n' }

if (rew_cc[i] == 14) { ts+= '<tr bgcolor=' + bgc + '><td colspan=8><font class=intable>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;' + premiernote + '</font></td></tr>\n' }

if (rew_cc[i] == 16) {  ts+= '<tr bgcolor=' + bgc + '><td colspan=8><font class=intable><img width=57 height=27 align=left src="/images/bonus.gif"> <b>American Express Gold Card Bonus:</b> Receive <b>10,000 bonus points</b> after the first purchase, redeemable for a $100 gift card at participating merchants. If it\'s too pricey, you can drop down to their <a href=http://www.cardoffers.com/manage/track/e.asp?ID=100371591 target=_blank>Green Card</a> for $95/year (waived first year.)</font></td></tr>\n' }

if (rew_cc[i] == 17) {  ts+= '<tr bgcolor=' + bgc + '><td colspan=8><font class=intable><img width=57 height=27 align=left src="/images/bonus.gif"> <b>Citi Diamond Card Bonuses:</b> (1) Receive 6,000 ThankYou Points  (redeemable for a <b>$50 gift card</b> ) after your first purchase made within the first 3 months. (2) For the first <b>twelve months</b> that you are a cardmember, you will earn <b>five ThankYou Points instead of one at supermarkets, drugstores and gas stations.</b> We calculate that these two bonuses could make the rebate for the first year $' + cdiam_rebates + ' instead of $' + odiam_rebates + '.</font></td></tr>\n' }

if (rew_cc[i] == 18) {  ts+= '<tr bgcolor=' + bgc + '><td colspan=8><font class=intable><img width=57 height=27 align=left src="/images/bonus.gif"> <b>Citi AAdvantage Card Bonus:</b> Earn 25,000 AAdvantage bonus miles after you make $750 in purchases within 4 months of becoming a cardmember -- redeemable for <b>one round-trip American Airlines ticket</b> anywhere in the contintental U.S. or Canada.</font></td></tr>\n' }

if (rew_cc[i] == 20) {  ts+= '<tr bgcolor=' + bgc + '><td colspan=8><font class=intable>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<b>Note: </b> The "two thumbs up" just means that this card is <i>only</i> for people with <b>fair</b> credit (i.e. you are new to credit cards, or your shaky credit needs improvement.)</font></td></tr>\n' }

if (i == 6) {  ts+= headrow }

}
//ts+= '</tr><tr>'
//for (i = 0; i < ncc; i++){
// ts+= '<td bordercolor=#BBBBBB>' + ccnames[i] + '</td>'
// }
//ts+= '<tr bgcolor=#BBCCDD><td colspan=8><font class=intable><font color=#000099>' + asterisks + '</font></font></td></tr></table>'

ts+= '</table>'
document.getElementById("chartcell").innerHTML= ts

spendcommad= '' + (spending % 1000)
while (spendcommad.length < 3) {spendcommad= '0' + '' + spendcommad }
spendcommad= parseInt(spending/1000) + ',' + spendcommad
balloonMessage('Scorecard for household card spending of <font color=#99FFFF>$' + spendcommad + '</font> per year:<br><font class=headnotes>(Results assume typical household expenses, based on <a href=http://www.bls.gov/news.release/pdf/cesan.pdf target=_blank><font color=#99FFFF>official estimates</font><!-- of consumer expenditures--></a>.)</font><br>')
//document.getElementById("headcell").innerHTML= '<font class=headtable>Rewards for an average American household spending ' + spendcommad + ' per year:</font><br><font class=headnotes>(Results assume typical household expenses, based on <a href=http://www.bls.gov/news.release/pdf/cesan.pdf target=_blank><font color=#99FFFF>official estimates</font><!-- of consumer expenditures--></a>.)</font>'

//var mywin= openWin('')
//mywin.document.writeln('Hello:' + ts + 'Goodbye!')
//mywin.document.close()

} //end ccShow

function openWin(url) { var wha= window.open(url, "RadWindow", "Top=0,Left=0,location=yes,scrollbars=yes,toolbar=yes,menubar=yes,status=yes,resizable=yes")
return(wha) 
}


