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//////////////////////////////////////
var tooltip_show=1;
var delay = 0;
function showToolTips(img,msg,apos,w,h)
{		

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	eval("var objToolTipsPos=getAnchorPosition('"+apos+"');");
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		tooltip_top=tooltip_top+60;
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	objToolTips.top  = tooltip_top+h;


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function writeContent(apos, msg)
{
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function tooltips_onmouseover()
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}

function tooltips_onmouseout()
{
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}

function hideToolTip()
{
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////////////////////////////////////
// getAnchorPosition(anchorname)
//   This function returns an object having .x and .y properties which are the coordinates
//   of the named anchor, relative to the page.
function getAnchorPosition(anchorname) {
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function AnchorPosition_getPageOffsetLeft (el) {
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function AnchorPosition_getWindowOffsetLeft (el) {
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function AnchorPosition_getPageOffsetTop (el) {
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function AnchorPosition_getWindowOffsetTop (el) {
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//------------------------------------------------------------------------------
var ns4 = (document.layers)? true:false
var ie4 = (document.all)? true:false
var ie5 = (document.getElementById)? true : false;

//Layer pointer objects declarations
var objToolTips;
//==============================================================================
function finit()
{
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	{
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}
//==============================================================================
function showObject(obj)
{
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//==============================================================================
function hideObject(obj)
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}
//==============================================================================
function layerWrite(id,nestref,text)
{
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	{
		document.all[id].innerHTML=text;
	}
	else
	{
		document.getElementById(id).innerHTML=text;
	}
}
//==============================================================================
//////////////////////////////////////
//CL Personal Loan

//Interest rate
var msg0 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">Interest is what the bank charges you as a cost of borrowing the money from us.  We charge you interest based on the Annual Percentage Rate (APR) as a percentage per annum. Interest is calculated daily.</td></tr></table></td></tr></table>';

//Comparison rate
var msg1 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">A Comparison Rate is an indicative interest rate, which helps consumers identify the "true cost" of a loan. It is a rate that is calculated taking account of both the interest rate and fees and charges relating to a home, personal or car loan product, reduced to a single percentage figure for a model loan amount and term.<br>A Comparison Rate only includes fees and charges that are definitely payable under the loan contract, for example, establishment and monthly fees. It does not include those that are event based, which may or may not be payable during the loan term, for example, redraw, switch or early termination fees. The Comparison Rate also does not include government and statutory fees, as these fees are standard, regardless of the type of loan or lender you choose.</td></tr></table></td></tr></table>';

// Loan amounts
var msg2 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">Amount of credit (money) borrowed. This includes establishment fee and insurance premium if insurance has been requested.</td></tr></table></td></tr></table>';

// Loan term
var msg3 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">A loan, which is repaid through regular periodic payments, usually over a period of years which defines the Loan term of 1 &#45; 5 years.</td></tr></table></td></tr></table>';

// Repayment frequency
var msg4 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">Fixed monthly repayment amount as detailed in the contract that is sent to you. The equal monthly repayment amount is determined by your final loan amount and loan term. Your payment is due on the monthly anniversary of your loan establishment date, as detailed in your contract. If this day falls on the weekend it is due on the proceeding business day.</td></tr></table></td></tr></table>';


// Annual fee
var msg5 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">If an Annual Fee is applicable, Citi will charge your annual primary cardholder fee to your account on first use of your account, including when you activate your card, and then on each anniversary of the date Citi approved your account.</td></tr></table></td></tr></table>';

// Redraw^ Fee
var msg6 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">A fee charged each time you re-borrow money under the redraw facility and is payable as part of the balance owing on your loan account.</td></tr></table></td></tr></table>';

// Late Payment Fee^^
var msg7 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">A fee charged for failing to submit the minimum monthly payment by its due date. Refer to your conditions of use for details.</td></tr></table></td></tr></table>';


// Loanguard
var msg8 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">CreditShield<sup>&reg;</sup> <i>Plus</i> pays up to $30,000 to cover your credit card payments or your ReadyCredit balance. You can secure this protection for only 74c per $100 of your closing balance each month </td></tr></table></td></tr></table>';

var msg9 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">Citi can offer you payment protection for your Citi Personal Loan in the unfortunate event that the loan holder dies, suffers temporary or permanent disability or becomes unemployed with loanguard. Loanguard will pay off your entire Personal Loan account balance up to $75,000<sup>#</sup>. Please note that you are only able to apply for Loanguard<sup>#</sup> Insurance while you apply for a Personal Loan, and not after it has been approved.</td></tr></table></td></tr></table>';

var msg10 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">You can choose to pay off your loan sooner by repaying extra amounts here and there. Should you need these funds again, you can request a redraw^.</td></tr></table></td></tr></table>';


// Security
var msg12 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">An unsecured debt is not guaranteed by security, therefore, no assets are committed in the event of default. If the credit issuer is unable to collect on the loan, its value is lost.</td></tr></table></td></tr></table>';



//Card Selector

//Debt consolidation
var msg13 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">Discover your potential monthly savings by consolidating your debts to a low interest rate loan with Citi. Pay one repayment per month, rather than managing different bills for store cards, credit cards or personal loans.</td></tr></table></td></tr></table>';

//Extra cash on hand
var msg14 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">Rest assured knowing that cash is always available for any situation with low rates on purchases and cash advances.</td></tr></table></td></tr></table>';

//Buy a new/used car, motorcycle or boat 
var msg15 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">Get the funds you need even before you go car shopping, with 100% finance available (no deposit required). With a Citi unsecured loan, you can save on a variety of fees and reduce the delays in getting approval.</td></tr></table></td></tr></table>';

// A personal project  
var msg16 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">For a variety of reasons, you can choose how you spend money with no security required on a Citi Loan.</td></tr></table></td></tr></table>';

// Education expenses  
var msg17= '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">Have peace of mind knowing you have finances to cover your fees, text books, computer or whatever you need, allowing more time to concentrate on studies.</td></tr></table></td></tr></table>';


// Other/variety of personal purposes
var msg18 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">For a variety of any of the above reasons and more, you can choose how you spend money with no security required on a Citi Loan.</td></tr></table></td></tr></table>';

//Business/investment

var msg19 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">For business or investment purposes only, for example if you need to manage temporary cash flow shortages, write cheques where only cheques are accepted, or just to use as a safety net in the event of an unlikely emergency, etc.</td></tr></table></td></tr></table>';

//Fixed

var msg20 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td valign=top class="greytxt">A fixed interest rate allows you to lock in your interest rate for the life of  your loan, whereas a variable interest rate means the rate is subject to change.</td></tr></table></td></tr></table>';

//Personal loan - Have a good credit rating

var msg21 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td><table width="100%" cellpadding=2 cellspacing=0 border=0 ><TR valign=top><TD class="greytxt" colspan="2"><B>Lenders look at a range of factors when they consider your credit application. These may include:</B></TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">Your employment history</TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">Your monthly income</TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">Your current expenses (including existing debt repayments such as home loan, personal loans etc)</TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">Home ownership</TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">Whether or not you have applied for &ndash; or been refused credit, with other lenders.</TD></TR></TABLE></td></tr><tr><td><table width="100%" cellpadding=2 cellspacing=0 border=0 ><TR valign=top><TD class="greytxt" colspan="2"><B>The following steps can help to keep your credit bureau file healthy:</B></TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">Fill in credit application forms consistently. For example, always entering your name the same way will help to reduce errors in your file.</TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">Keep credit applications to a minimum. Applying to a large number of lenders - especially if your applications are rejected may imply to potential credit providers that you have credit issues.</TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">If your file shows any outstanding credit defaults, repay them if you can, and ask that your file be amended. The default will still be listed, but will no longer appear as unpaid.</TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">Always inform credit providers when you move. This way, bills will arrive on time - letting you pay on time and maintain your good credit bureau file.</TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">Pay all your bills on time, unpaid utility and phone bills can affect your credit rating.</TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">Even if your credit bureau file is imperfect now, it is important to manage credit wisely in the future. Your credit bureau file can improve over time.</TD></TR><TR valign=top><TD class="greytxt">&bull;</TD><TD class="greytxt">For more tips on credit or managing money, please visit <A HREF="http://www.usecreditwisely.com.au" class="lbluetxtu" target="_blank">www.usecreditwisely.com.au</A></TD></TR></TABLE></td></tr></table></td></tr></table>';

//Personal loan - Your financial position

var msg22 = '<table width="290" cellpadding=1 cellspacing=1 border=0 bgcolor="#bbbbbb"><tr bgcolor="#ffffff"><td><table width="100%" cellpadding=5 cellspacing=0 border=0><tr><td align=right class="greytxt"><img src="images/spacer.gif" width="10" height="1"><a href="javascript:tooltips_onmouseout();" class="lbluetxt">X Close</a></td></tr><tr><td><table width="100%" cellpadding=2 cellspacing=0 border=0 ><TR valign=top><TD class="greytxt" colspan="2">This information allows us to understand what you can afford to repay. To apply, you&rsquo;ll need to provide information about your current financial position, including your gross annual income, your total monthly income and expenses.</TD></TR><TR valign=top><TD class="greytxt" colspan="2">If you&rsquo;re self-employed, we&rsquo;ll need to know where you work, how much you earn, as well as your accountant&rsquo;s details.</TD></TR></TABLE></td></tr></table></td></tr></table>';