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Chapter 10
1.Describe the types of promissory notes, then explain adjustable rate loans. <= /div>
2.Explain a deed of trust (trust deed), a mortgage, = installment sales contract, and foreclosure procedures.
3.Define clauses common to financing documents: acceleration, alienation, subordination, prepayment penalty.
4.Outline the principles of loan regulations: Truth-= In-Lending, RESPA, Fair Credit, Real Fair <= /span>Credit Reporting and Property Loan Law.
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<= span style=3D'font-size:91%'>Promissory Notes (SAIF)
Legal evidence for= the debt
<= span style=3D'font-size:125%;text-shadow:auto'>3D"*"S<= b> traight Note – term note
<= span style=3D'font-size:86%'>3D"*"Payments of Interest Only
<= span style=3D'font-size:86%'>3D"*"Entire prin. and interest repaid on the final due date
<= span style=3D'font-size:125%;text-shadow:auto'>3D"*"A<= b> mortized Note
<= span style=3D'font-size:86%'>3D"*"Monthly payments which include both Principal and Interest
<= span style=3D'font-size:167%;text-shadow:auto'>•F ully amortized or installment type--Liquidates the debt with final payment
<= span style=3D'font-size:83%'>•Partially amortized or balloon payment type (requires larger final payment)
<= span style=3D'font-size:88%'>3D"*" I nstallment Note-Periodic pymts of principal & = int
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Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" PowerPoint Presentation
Am= ortization Table
12 ½ %  30 Years Loan - $155,700
1048.92
1067.26
1090.36
1136.15
100,000
524.46
533.63
545.18
568.08
50,000
419.57
426.91
436.15
454.46
40000
314.68
320.18
327.11
340.85
30000
209.79
213.46
218.08
227.23
20000
104.90
106.73
109.04
113.62
10,000
94.41
96.06
98.14
102.26
9000
83.92
85.39
87.23
90.90
8000
73.43
74.71
76.33
79.53
7000
62.94
64.04
65.43
68.17
6000
52.45
53.37
54.52
56.81
5000
41.96
42.70
43.62
45.45
4000
31.47
32.02
35.72
34.09
3000
20.98
21.35
21.81
22.73
2000
10.49
10.68
10.91
11.37
1000
9.45
9.61
9.82
10.23
900
8.40
8.54
8.73
9.09
800
7.35
7.48
7.64
7.96
700
6.30
6.41
6.55
6.82
600
5.25
53.34
5.46
5.69
500
4.20
4.27
4.37
4.55
400
3.15
3.21
3.28
3.41
300
2.10
2.14
2.19
2.28
200
1.05
1.07
1.10
1.14
$100
40 Years
30 Years
25 Years
20 Years
Term Amt
<= span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-9.7%'>= 1.Look down the 30 year column for the monthly payment on <= span style=3D'position:absolute;top:68.25%;left:8.81%;width:81.01%;height:33.33= %'>$100,000
2.Next, determine the monthly payment for $50,000, $5,000 and $700 using the same method
3.Then add the amounts together.
Amount Payment
$100,000
$1,067.26   
50,000
533.63
5,000
53.37
700
7.48
$155,700 $1,661.74
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Pre= payment Penalty =3D
6 month’s interest on t= he unpaid balance after lst deducting 20%
•Unpaid lo= an Amount
•X    80%
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•X  Interest rate
wTo get interest for 12 months
w =3D  1 year
•/ 2
wTo get one-half year
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Real Estate Loans
3D"*"Fixed= Rate - The interest rate does not change
3D"*"Adjustable R= ate Mortgage (ARM)-rate
3D"*"Lower initial rate than fixed-rate mortgage
3D"*"Rate cap and payment cap
3D"*"Based on an <= u>index (11th District etc.) and margin
3D"*"Varia= ble Interest Rate (VIR)
3D"*"Graduated Pa= yment Mortgage (GPM)-increasing
3D"*"Gradu= ated Payment Adjustable Mortgage (GPAM)
3D"*"Growi= ng Equity Mortgage (GEM)-
• principal
3D"*"All-Inclusive Trust Deed (AITD)
3D"*"Rever= se Annuity Mortgage (RAM)
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file:///C:/49133227/RE11Ch10RealEstateFinancing_files/slide0008.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" PowerPoint Presentation
VARIABLE PAYMENT PLANS<= /b>
<= span class=3DB1B>3D"*"The interest rate may change and as a result the following may be affected:
<= span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-3.11%'= >1.Payments
<= span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-3.11%'= >2.Principal owed
<= span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-3.11%'= >3.Term (length of the loan)
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DEED OF TRUST
(Trust Deed)
<= /v:shape>
3D"*"= Easier, cheaper, faster foreclosure
3D"*"= Creates a lien to secure repayment of a note <= /span>
3D"*"<= span style=3D'font-size:88%'>Trustor – Borrower
<= span style=3D'font-size:88%'>3D"*"Trustee – Stakeholder or Titleholder
<= span style=3D'font-size:88%'>3D"*"Beneficiary – BANK - Lender
Trustor
Deeds to
Trustee
Reconveys
Who holds title until debt is paid
When debt is paid
Trustor
Trustee
The Trustee returns title to the Trustor by a Deed of Reconveyance
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MORTGAGE
(A Contract)
<= span style=3D'font-size:88%'>3D"*"Loan Payoff
<= span style=3D'font-size:86%'>3D"*"Satisfaction of Mortgage
<= span style=3D'font-size:88%'>3D"*"Foreclosure by default
<= span style=3D'font-size:86%'>3D"*"Law suit / Court order
<= span style=3D'font-size:86%'>3D"*"Decree of Foreclosure
<= span style=3D'font-size:86%'>3D"*"Notice of Sale
<= span style=3D'font-size:86%'>3D"*"Sheriff’s Sale
<= span style=3D'font-size:86%'>3D"*"Sheriff’s Deed
<= span style=3D'font-size:86%'>3D"*"Deficiency Judgment possible
<= span style=3D'font-size:86%'>3D"*"One-ye= ar Period of Redemption
O  O  OO
Mortgagor - Borrower
Mortgagee - Lender
ee  e  e
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Common Provisions in
Security Instr= uments
•
Alienation = (Due-On-Sale) Clause
Lock-In Clause
Assumption Provision
Prepayment Provision
or
or
Acceleration Clause
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SECURITY INSTRUMENTS
Grant = Deed
Reconv= eyance Deed
Satisfa= ction of mortgage
Loan Pa= yoff
Land Contract
& = Lease
Grant Deed
Warrant= ee Deed
Conveyance
Policy of Title Insurance
Policy= of Title Insurance
Abstra= ct of Title or Certificate
Protection
Rests in – State of Califo= rnia
Vet ho= lds a lease
Rests = in – Trustee
Rests in – Mortgagee
Title during loan term
AITD &= #8211; Land Contract
Promis= sory Note
Trust Deed– Conveyance of title to trustee as securi= ty for the debt
Trust Note – Evidence of debt
Mortgage Contract – Hypoth= ecation of real property as secu= rity for debt
Mortgage Note: Evidence of debt
Instrum= ents
Vendee=
Vendor=
Trusto= r
Benefi= ciary
Truste= e
Mortgag= or
Mortgag= ee
Borrowe= r
Lender&= #13;
3rd=  Part= y
Land Contract
Dee= d of Trust
Mort= gage
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TRUST DEED vs. MORTGAGE
Mortgage note and contract both outlaw four years from due date, or from date of last payment. No relief. Monies involved not collectable.
Stature of Limitations
Trust Note – Outlaws four years after due date
Trust Deed – Never outlaws – Lender can always have trustee sell to recover unpaid balance
Before Decree of Foreclosure
Owner may redeem anytime by bringing payments current
After = Decree of Foreclosure and Sale
Owner has one year “Equity of Redemption”
Must p= ay indebtedness in full to redeem
Owner’s Rights of Redemption<= /span>
If Foreclosure by Court Action: Same as for Mortgage
Truste= e’s Sale
Notice of Default – Owner may redeem by bringing payments current within three months
Notice of Sale – Owner may redeem only by paying entire indebtedness in full Trustee’s Sale Sale final. No redemption
Possib= le Deficiency Judgment
Lender’s Rights
If Foreclosure by Court Action: Same as for Mortgage
Trustee’s Sale - No Deficiency Judgment Possible
Mortgage
Comparison
Deed of Trust
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Mortgage versus Trust Deed
If Foreclosure by Court Action: Same as for Mortgage
Truste= e’s Sale
Notice of Default – Owner may redeem by bringing payments current within three months
Notice of Sale – Owner may redeem only by paying entire indebt= edness in full Trustee’s Sale Sale final. No redemption
Before Decree of Foreclosure
Owner may redeem anytime by bringing payments current
After = Decree of Foreclosure and Sale
Owner has one year “Equity of Redemption”
Must p= ay indebtedness in full to redeem
Owner’s Rights of Redemption
Court = Action or Trustee’s Deed
Reinst= atement Period
Notice= of Default/3 months
Notice= of Sale
21 day minimum publish
Truste= e’s Sale
All sa= les final
Truste= e’s Deed
No redemption
Court = action Only
Equita= ble Redemption
Notice= of Default
Lawsui= t/Court
Notice= of Sale
Statut= ory Redemption
Sherif= f’s Sale
Defici= ency Judgment
Sherif= f’s Deed
1 year= to redeem
Foreclo= sure
Deed of Trust
Mortga= ge
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Buyer Takes Over Seller̵= 7;s Loan
= 3D"*"Buyer assumes existing loan
3D"*"
= 3D"*"Substitution of Liability <= /span>
3D"*"
3D"*"Buyer takes title “Su= bject to” existing loan.
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The Basic Rule of Fina= nce
<= /v:shape>
<= span class=3DBB>3D"*"If you don’t pay … they will take it away !
3DForeclosure
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PowerPoint Presentation
<= b>STEPS IN A TRUSTEE’S SALE
1.Beneficiary requests trustee to foreclose
2.Trustee records Notice of Defaul= t
3.Three-month waiting period
•(Borrower has reinstatement period)
4.Advertise “Notice of Sale” with date, time and place of sale
a)Borrower has limited right to reinstate
1.(lst 16 days)(last <= u>5 days must pay entire loan)
= b)Publish once a week; minimum 3-week period (21 days)
= 5.Sale to highest bidder for cash (= loan amount+costs)
6.Trustee’s deed is issued (all sales final; borrower has no right of = redemption)
7.Disbursement of funds
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SECOND DEED OF TRUST
•  Junior Lien – Purpose: Close the gap between the
• sales price and the first l= oan plus down payment
3D"*"Types: “= ;Hard” money second – cash from lender
w        “Soft” money second – credit from seller
3D"*"Default: Juni= or lienholder may foreclose
3DNotice
= Purpose: To inform holders of junior <= /span>= liens when the holder of a senior lien = (deed of trust) is about to foreclose
REQUEST FOR COPY OF NOTICE OF DEFAULT AND SALE
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SALES CONTRACT
•Land= Contract or Installment Sales Contract
•Vend= or  -  Vendee
1.Low down p= ayment usually required
2.Allows marginal buyer to acquire real estate <= /span>
3.Buyer gets immediate possession
4.Buyer receives full legal title after loan paid of= f
5.Seller must follow statutory notice requirements i= f buyer defaults
6.All parties should consult their attorney
7.Vendee may receive flawed title.
8.Vendor may have problems during the term.
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Sales Contract (con= t.)
a)Buyer usually receives equitable, insurable, = recorded title
b)The contract cannot prohibit recording
c)Creates a cloud on vendor’s title <= /span>
d)Removed by court or vendee signing a quitclaim deed
e)Vendee may assign all rights if no release from vendor
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= TRUTH IN LENDING LAW
Regulation Z
TIL
3D"*"Purpose – disclosure of credit
3D"*"A.P.R. – cost of credit = in percentage terms
3D"*"Right of rescission
= 3D"*"Annual Percentage Rate (APR) must be stated when advertising financing
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CREATIVE FINANCING DISCLOSURE LAW
 Creative Financing Disclosure Law (AB 3531)=
3D"*"Consumer protection in writing:
3D"*"Balloon payment
3D"*"Senior loan priority/status= 3;
3D"*"Negative amortization <= /u>
3D"*"Credit report data =
3D"*"Notice of default request =
3D"*"All-Inclusive Trust Deed (AITD)
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MORTGAGE LOAN BROKERAGE LAW
Article 7
<= span style=3D'font-size:75%'>3D"*"For loans not “under the umbrella” = ;
• the sky’s the limit- hard mon= ey (cash)
<= span style=3D'font-size:75%'>3D"*"Borrower obligated. Broker must keep copy for 5 year= s.
Loans Covered
(Broker’s Commission Is Limited)
1st Trust Deed
Less than $30,000
5% less than 3 yrs= 3;
3 + years 10%
Junior less than $20,000&= #13;
2 years 5%
2 but less than 3 years 10%
3 + years 15%
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Sample Question:
Commission Loan Fee
<= span style=3D'visibility:hidden'>3D"*"
•A) $ 1,50= 0
•B) $ 3,00= 0
•C) $ 4,50= 0
•D) None o= f the above
= D) None of the above
What is maximum amount a broker may charge for loan fees for a $30,000 2nd=  due= in 4 yrs with an interest rat= e of 12%?
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Mortgage Broker Limits=
3D"*"COSTS:
<= span class=3DB1B>3D"*"Limits amount of costs and expenses
<= span class=3DB1B>3D"*"Cannot = be over 5% of the loan amount
<= span class=3DB2B style=3D'position:absolute;left:-3.21%'>•Actual c= osts, or
<= span class=3DB2B style=3D'position:absolute;left:-3.21%'>•$390 = ;
<= span class=3DB1B>3D"*"Cannot exceed $700 for costs and expenses.
3D"$"
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S= ample Question:
 Maximum Loan C= osts
•Loan expenses on a $30,000 loan:
wAppraisal $300
wRecording $ 15
wCredit Report $  25
w
•What is the maximum loan charges the borrower may = pay?
<= span style=3D'font-size:117%'>A.<= /span>$1500
<= span style=3D'font-size:117%'>B.<= /span>$  7= 00
<= span style=3D'font-size:117%'>C.<= /span>$  3= 90
<= span style=3D'font-size:117%'>D.<= /span>$  3= 40
= D.$340
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Usury Law
3D"*"Maximum rate  
3D"*"10% or
3D"*"Federal Discount Rate + 5%
w
3D"*"Private lenders & borrowers-usury law
•
3D"*"Exempt: banks, S & = Ls, insurance co.
•
3D"*"Exempt: Loans negotiated by a licensed real estate broker
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I  think I<= span style=3D'mso-spacerun:yes'>  can  See a better place (my pillow), so I’M GOING  = HOME.
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file:///C:/49133227/RE11Ch10RealEstateFinancing_files/script.js Content-Transfer-Encoding: quoted-printable Content-Type: application/javascript; charset="us-ascii" function LoadSld() { var sld=3DGetObj("SlideObj") if( !g_supportsPPTHTML ) { =09 sld.style.visibility=3D"visible" return } if( MakeNotesVis() ) return runAnimations =3D _InitAnimations(); =09 if( IsWin("PPTSld") ) parent.SldUpdated(GetSldId()) g_origSz=3DparseInt(SlideObj.style.fontSize) g_origH=3Dsld.style.posHeight g_origW=3Dsld.style.posWidth g_scaleHyperlinks=3D(document.all.tags("AREA").length>0) if( g_scaleHyperlinks ) InitHLinkArray() if( g_scaleInFrame||(IsWin("PPTSld") && parent.IsFullScrMode() ) ) document.body.scroll=3D"no" _RSW() if( IsWin("PPTSld") && parent.IsFullScrMode() ) FullScrInit(); =09 MakeSldVis(); ChkAutoAdv() if( runAnimations ) { if( document.all("NSPlay") ) document.all("NSPlay").autoStart =3D false; if( sld.filters && sld.filters.revealtrans ) setTimeout( "document.body.start()", sld.filters.revealtrans.duration * = 1000 ); else document.body.start(); } } function MakeSldVis()=20 { var fTrans=3Dg_showAnimation && SldHasTrans() if( fTrans )=09 { if( g_bgSound ) { idx=3Dg_bgSound.indexOf(","); pptSound.src=3Dg_bgSound.substr( 0, idx ); pptSound.loop=3D -(parseInt(g_bgSound.substr(idx+1))); } SlideObj.filters.revealtrans.Apply()=09 } SlideObj.style.visibility=3D"visible" if( fTrans ) SlideObj.filters.revealtrans.Play() } function MakeNotesVis()=20 { if( !IsNts() ) return false=20 SlideObj.style.display=3D"none" nObj =3D document.all.item("NotesObj") parent.SetHasNts(0) if( nObj ) {=20 nObj.style.display=3D"" parent.SetHasNts(1) } return 1 } function ChkAutoAdv() { if(SldHasTrans()) SlideObj.onfilterchange=3DAutoAdv else AutoAdv() } function AutoAdv() { if(!IsWin("PPTSld") || !gUseSldTimings )return var sld=3DGetCurSld() if( (sld.mAdvDelay>0) && !parent.IsFramesMode() ) setTimeout("parent.GoToNextSld()",sld.mAdvDelay) } function GetObj(id) { if(g_supportsPPTHTML) return document.all(id); else return document.getElementById(id); } function SldHasTrans() { return SlideObj.style.filter !=3D ""; } function GetSldId() { return sId=3Dlocation.href.substring(location.href.la= stIndexOf('/')+1) } function HideMenu() { if( frames["PPTSld"] && PPTSld.document.all.item("ctx= tmenu") && PPTSld.ctxtmenu.style.display!=3D"none" ) { PPTSld.ctxtmenu.styl= e.display=3D'none'; return true } return false } function IsWin( name ) { return window.name =3D=3D name } function IsNts() { return IsWin("PPTNts") } function IsSldOrNts() { return( IsWin("PPTSld")||IsWin("PPTNts") ) } function SupportsPPTAnimation() { return( navigator.platform =3D=3D "Win32"= && navigator.appVersion.indexOf("Windows")>0 ) } function SupportsPPTHTML() { var appVer=3Dnavigator.appVersion, msie=3DappVer.indexOf("MSIE "), ver=3D0 if( msie >=3D 0 ) ver=3DparseFloat( appVer.substring( msie+5, appVer.indexOf(";",msie) ) ) else ver=3DparseInt(appVer) return( ver >=3D 4 && msie >=3D 0 ) } function _RSW() { if( !g_supportsPPTHTML || IsNts() || ( !g_scaleInFrame && (!IsWin("PPTSld") || !parent.IsFullScrMode()) ) ) return var padding=3D0; if( IsWin("PPTSld") && parent.IsFramesMode() ) padding=3D6 cltWidth=3Ddocument.body.clientWidth-padding cltHeight=3Ddocument.body.clientHeight-padding factor=3D(1.0*cltWidth)/g_origW if( cltHeight < g_origH*factor ) factor=3D(1.0*cltHeight)/g_origH newSize =3D g_origSz * factor if( newSize < 1 ) newSize=3D1 s=3DSlideObj.style s.fontSize=3DnewSize+"px" s.posWidth=3Dg_origW*factor s.posHeight=3Dg_origH*factor s.posLeft=3D(cltWidth-s.posWidth+padding)/2 s.posTop=3D(cltHeight-s.posHeight+padding)/2 if( g_scaleHyperlinks ) ScaleHyperlinks( factor ) } function _InitAnimations() { animRuntimeInstalled =3D ''+document.body.localTime !=3D 'undefined'; isFullScreen =3D (window.name =3D=3D "PPTSld") && !parent.IsFramesMode(); g_animUseRuntime =3D g_showAnimation && animRuntimeInstalled && !(isFullSc= reen && parent.IsSldVisited()); if( g_animUseRuntime ) { collSeq =3D document.all.tags("seq"); if( collSeq !=3D null ) { for(ii=3D0;ii numSlds ) gSldJumpIdx =3D numSlds; if ( gSldJumpIdx >=3D 0 ) { if ( gSldJumpIdx =3D=3D 0 ) gSldJumpIdx =3D 1; var jumpTo =3D parseInt(gSldJumpIdx); gSldJump =3D 0; gSldJumpIdx =3D ""; win.GoToSld( parent.GetSldList().mList[jumpTo-1].mSldHref ) } } } function _KDH() { if( event.keyCode =3D=3D 8 ) { event.returnValue =3D 0; parent.GoToPrevSld(); } }function DocumentOnClick() { if( IsNts() || parent.HideMenu() ) return; if( ( g_allowAdvOnClick && (window.name=3D=3D"PPTSld") && !parent.IsFrames= Mode() ) || (event && event.keyCode=3D=3D32) ) { =09 if( g_animUseRuntime && g_animMainSequence && g_animMainSequence.cangonex= t ) return; parent.GoToNextSld(); } } var g_supportsPPTHTML =3D SupportsPPTHTML(), g_scaleInFrame =3D 1, gId=3D""= , g_bgSound=3D"", g_scaleHyperlinks =3D false, g_allowAdvOnClick =3D 1, g_showInBrowser = =3D 0, gLoopCont =3D 0, gUseSldTimings =3D 1; var g_showAnimation =3D g_supportsPPTHTML && SupportsPPTAnimation() && ( (w= indow.name=3D=3D"PPTSld" && !parent.IsFramesMode()) || g_showInBrowser );va= r g_animManager =3D null; var g_animUseRuntime =3D false; var g_animItemsToHide, g_animInteractiveItems, g_animSlideTime; var g_animMainSequence =3D null; var ENDSHOW_MESG=3D"End of slide show, click to exit.", SCREEN_MODE=3D"Fram= es", gIsEndShow=3D0, NUM_VIS_SLDS=3D28, SCRIPT_HREF=3D"script.js", FULLSCR_= HREF=3D"fullscreen.htm"; var gCurSld =3D gPrevSld =3D 1, g_offset =3D 0, gNtsOpen =3D gHasNts =3D gO= tlTxtExp =3D 0, gHasNarration =3D 0, gOtlOpen =3D true window.gPPTHTML=3DSupportsPPTHTML() var gMainDoc=3Dnew Array(new hrefList("slide0002.htm",1,-1,1),new hrefList(= "slide0038.htm",1,-1,1),new hrefList("slide0001.htm",1,-1,1),new hrefList("= slide0003.htm",1,-1,1),new hrefList("slide0004.htm",1,-1,1),new hrefList("s= lide0027.htm",1,-1,1),new hrefList("slide0006.htm",1,-1,1),new hrefList("sl= ide0008.htm",1,-1,1),new hrefList("slide0011.htm",1,-1,1),new hrefList("sli= de0010.htm",1,-1,1),new hrefList("slide0005.htm",1,-1,1),new hrefList("slid= e0017.htm",1,-1,1),new hrefList("slide0016.htm",1,-1,1),new hrefList("slide= 0035.htm",1,-1,1),new hrefList("slide0028.htm",1,-1,1),new hrefList("slide0= 019.htm",1,-1,1),new hrefList("slide0018.htm",1,-1,1),new hrefList("slide00= 07.htm",1,-1,1),new hrefList("slide0012.htm",1,-1,1),new hrefList("slide002= 9.htm",1,-1,1),new hrefList("slide0021.htm",1,-1,1),new hrefList("slide0022= .htm",1,-1,1),new hrefList("slide0023.htm",1,-1,1),new hrefList("slide0033.= htm",1,-1,1),new hrefList("slide0030.htm",1,-1,1),new hrefList("slide0036.h= tm",1,-1,1),new hrefList("slide0031.htm",1,-1,1),new hrefList("slide0037.ht= m",1,-1,1)); /********************************************* Frameset functions These functions control slide navigation and state of the frameset. **********************************************/ function FullScrInit() { g_allowAdvOnClick =3D GetCurSld().mAdvOnClk document.body.style.backgroundColor=3D"black" document.oncontextmenu=3Dparent._CM; document.onkeydown =3D _KDH; document.ondragstart=3DCancel document.onselectstart=3DCancel self.focus() } function Redirect( frmId ) {=09 var str=3Ddocument.location.hash,idx=3Dstr.indexOf('#'), sId=3DGetSldId() if(idx>=3D0) str=3Dstr.substr(1); if( window.name !=3D frmId && ( sId !=3D str) ) { obj =3D GetObj("Main-File") window.location.href=3Dobj.href+"#"+sId return 1 } return 0 } var MHTMLPrefix =3D CalculateMHTMLPrefix();=20 function CalculateMHTMLPrefix() { if ( document.location.protocol =3D=3D 'mhtml:') {=20 href=3Dnew String(document.location.href)=20 Start=3Dhref.indexOf('!')+1=20 End=3Dhref.lastIndexOf('/')+1=20 if (End < Start)=20 return href.substring(0, Start)=20 else=20 return href.substring(0, End)=20 } return ''; } function GetTags(base,tag) { if(g_supportsPPTHTML) return base.all.tags(tag); else return base.getElementsByTagName(tag); } function UpdNtsPane(){ if(frames["PPTNts"]) PPTNts.location.replace( MHTMLP= refix+GetHrefObj( gCurSld ).mNtsHref ) } function UpdNavPane( sldIndex ){ if(gNavLoaded) PPTNav.UpdNav() } function UpdOtNavPane(){ if(gOtlNavLoaded) PPTOtlNav.UpdOtlNav() } function UpdOtlPane(){ if(gOtlLoaded) PPTOtl.UpdOtl() } function SetHasNts( fVal ) { if( gHasNts !=3D fVal ) { gHasNts=3DfVal UpdNavPane() } } function ToggleOtlText() { gOtlTxtExp=3D!gOtlTxtExp UpdOtlPane() } function ClearMedia() { // Clear any sounds playing before launching another browser window. Other= wise, // in fullscreen mode, you'll continue to hear the sound in the frames mod= e. if (PPTSld.pptSound) PPTSld.pptSound.loop =3D 0; } function FullScreen() {=20 if ( PPTSld.g_animUseRuntime ) PPTSld.document.body.pause(); ClearMedia(); var href =3D ( document.location.protocol =3D=3D 'mhtml:') ? FULLSCR_HREF = : FULLSCR_HREF+"#"+GetHrefObj(gCurSld).mSldHref; if(PPTNav.event.ctrlKey) { var w =3D (window.screen.availWidth * 1.0) / 2.0 var h =3D w * (PPTSld.g_origH * 1.0) / PPTSld.g_origW win =3D window.open( MHTMLPrefix+href,null,"toolbar=3D0,resizable=3D1,top= =3D0,left=3D0," + "width=3D"+ w + ",height=3D" + h ); if( win.document.body && PPTSld.g_animUseRuntime ) win.document.body.PPTSldFrameset=3Dwindow; } else { win =3D window.open( MHTMLPrefix+href,null,"fullscreen=3Dyes" ); if( win.document.body && PPTSld.g_animUseRuntime ) win.document.body.PPTSldFrameset=3Dwindow; } } function ToggleVNarration() { rObj=3DPPTSld.document.all("NSPlay") if( rObj && !PPTSld.g_animUseRuntime ) { if( (rObj.playState =3D=3D 1)||(rObj.playState =3D=3D 0) ) rObj.Play() else if( rObj.playState =3D=3D 2 ) rObj.Pause() else return; } else if( PPTSld.g_animUseRuntime ) { narObj =3D PPTSld.document.all("narrationID") if( narObj ) narObj.togglePause() } } function GetCurSldNum() { =20 obj=3DGetHrefObj(gCurSld) if( obj.mOrigVis =3D=3D 1 ) return obj.mSldIdx else =20 return gCurSld } function GetNumSlds() { =20 if( GetHrefObj(gCurSld).mOrigVis =3D=3D 1 ) return GetSldList().mNumVisSlds; else return GetSldList().mList.length } function GetSldNum( href ) { for(ii=3D0; ii 1 ) PopSldList(); else if( !IsFramesMode() ) { if( gLoopCont ) GoToFirst() else EndShow() } } function GoToPrevSld() { ii=3DgCurSld-1 if( ii > 0 ) { obj=3DGetHrefObj(ii) while ( obj && ( obj.mVis =3D=3D 0 ) && ( ii>0 ) ) obj=3DGetHrefObj(--ii) if( ii =3D=3D 0 ) ii=3D1 GoToSldNum(ii) } } function GoToFirst(){ GoToSld( GetHrefObj(1).mSldHref ) } function GoToLast() { ii=3DGetSldList().mList.length if( ii !=3D gCurSld ) GoToSld( GetHrefObj(ii).mSldHref ) } function GoToSldNum( num ) { if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue obj =3D GetHrefObj( num ) obj.mVis=3D1 gPrevSld=3DgCurSld gCurSld =3D num; PPTSld.location.replace(MHTMLPrefix+obj.mSldHref) if( IsFramesMode() ) { UpdNavPane(); UpdOtlPane(); UpdNtsPane() } } function GoToSld( href ) { if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue GetHrefObj( GetSldNum(href) ).mVis=3D1 PPTSld.location.replace(MHTMLPrefix+href) } function SldUpdated( id ) { if( id =3D=3D GetHrefObj(gCurSld).mSldHref ) return gPrevSld=3DgCurSld gCurSld=3DGetSldNum(id) if( IsFramesMode() ) { UpdNavPane(); UpdOtlPane(); UpdNtsPane() } } function PrevSldViewed(){ GoToSld( GetHrefObj(gPrevSld).mSldHref ) } function HasPrevSld() { return ( gIsEndShow || ( gCurSld !=3D 1 && GetHrefO= bj( gCurSld-1 ).mVis =3D=3D 1 )||( GetCurSldNum() > 1 ) ) } function HasNextSld() { return (GetCurSldNum() !=3D GetNumSlds()) } function CloseWindow() { if( HideMenu() ) return; =09 var event =3D PPTSld.event; if( !IsFramesMode() && event && (event.keyCode=3D=3D27 || event.keyCode=3D= =3D32 || event.type=3D=3D"click" ) ) window.close( self ); CatchNumKeys( self, event ); } function Unload() { gIsEndShow=3D0; } function SetupEndShow() { gIsEndShow=3D1; PPTSld.document.body.scroll=3D"no"; PPTSld.document.onkeypress=3DCloseWindow; PPTSld.document.onclick=3DCloseWindow; PPTSld.document.oncontextmenu=3D_CM; } function EndShow() { if( IsFramesMode() ) return if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue doc=3DPPTSld.document var dir =3D doc.body.dir if( dir !=3D "rtl" ) dir =3D "ltr"; doc.open() doc.writeln('


' + ENDSHOW_MESG + '

') doc.close() } function SetSldVisited(){ GetSldList().mList[gCurSld-1].mVisited=3Dtrue } function IsSldVisited(){ return GetSldList().mList[gCurSld-1].mVisited } function hrefList( sldHref, visible, advDelay, advClk ) { this.mSldHref=3D this.mNtsHref =3D sldHref this.mOrigVis=3D this.mVis =3D visible this.mVisited=3D false this.mAdvDelay=3D advDelay this.mAdvOnClk=3D advClk } function SldList(arr,curSld,fEnd) { this.mCurSld =3D curSld; this.mList =3D new Array(); var idx =3D 1; for(ii=3D0;ii 0) { PushSldList(sldList,fEnd); gCurSld =3D 1; } else if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue } function PushSldList(arr,fEnd) { var ii =3D gSldStack.length; gSldStack[ii] =3D new SldList(arr,gCurSld,fEnd); GoToSld( gSldStack[ii].mList[0].mSldHref ); } function PopSldList() { if (gSldStack[gSldStack.length-1].fEndShow) EndShow() else { gCurSld =3D gSldStack[gSldStack.length-1].mCurSld; gSldStack[gSldStack.length-1] =3D null; gSldStack.length--; var sldList =3D gSldStack[gSldStack.length-1]; GoToSld( sldList.mList[gCurSld - 1].mSldHref ); } } var custShowList=3Dnew Array(); /********************************************* Navigation button implementation There are 2 types of buttons: ImgBtn, TxtBtn implemented as function objects. They share a similiar interface so the event handlers can call SetActive, for example, on a button=20 object without needing to know exactly=20 what type of button it is. **********************************************/ //---------------------------------- function ImgBtn( oId,bId,w,action ) //---------------------------------- { var t=3Dthis t.Perform =3D _IBP t.SetActive =3D _IBSetA t.SetInactive=3D _IBSetI t.SetPressed =3D _IBSetP t.SetDisabled=3D _IBSetD t.Enabled =3D _IBSetE t.ChangeIcon =3D null t.UserAction =3D action t.ChgState =3D _IBUI t.mObjId =3D oId t.mBorderId=3D bId t.mWidth =3D w t.mIsOn =3D t.mCurState =3D 0 } function _IBSetA() { if( this.mIsOn ) { obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 ) obj.style.posTop=3D0 } } function _IBSetI() { if( this.mIsOn ) { obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 ) obj.style.posTop=3D0=20 } } function _IBSetP() { if( this.mIsOn ) { obj=3Dthis.ChgState( gShadowClr,gHiliteClr,2 ) obj.style.posLeft+=3D1; obj.style.posTop+=3D1 } } function _IBSetD() { =20 obj=3Dthis.ChgState( gFaceClr,gFaceClr,0 ) obj.style.posTop=3D0=20 } function _IBSetE( state ) { var t=3Dthis GetObj( t.mBorderId ).style.visibility=3D"visible" if( state !=3D t.mIsOn ) { t.mIsOn=3Dstate if( state ) t.SetInactive() else t.SetDisabled() } } function _IBP() { var t=3Dthis if( t.mIsOn ) { if( t.UserAction !=3D null ) t.UserAction() if( t.ChangeIcon ) { obj=3DGetObj(t.mObjId) if( t.ChangeIcon() ) obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-4)*t.mWidth else obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-0)*t.mWidth } t.SetActive() } =20 } function _IBUI( clr1,clr2,nextState ) { var t=3Dthis SetBorder( GetObj( t.mBorderId ),clr1,clr2 ) obj=3DGetObj( t.mObjId ) obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-nextState)*t.mWidth-obj= .style.posTop t.mCurState=3DnextState return obj } //----------------------------------------- function TxtBtn( oId,oeId,action,chkState ) //----------------------------------------- { var t=3Dthis t.Perform =3D _TBP t.SetActive =3D _TBSetA t.SetInactive=3D _TBSetI t.SetPressed =3D _TBSetP t.SetDisabled=3D _TBSetD t.SetEnabled =3D _TBSetE t.GetState =3D chkState t.UserAction =3D action t.ChgState =3D _TBUI t.mObjId =3D oId t.m_elementsId=3D oeId t.mIsOn =3D 1 } function _TBSetA() { var t=3Dthis if( t.mIsOn && !t.GetState() ) t.ChgState( gHiliteClr,gShadowClr,0,0 ) } function _TBSetI() { var t=3Dthis if( t.mIsOn && !t.GetState() ) t.ChgState( gFaceClr,gFaceClr,0,0 ) } function _TBSetP() { if( this.mIsOn ) this.ChgState( gShadowClr,gHiliteClr,1,1 ) } function _TBSetD() { =20 this.ChgState( gFaceClr,gFaceClr,0,0 ) this.mIsOn =3D 0 } function _TBSetE() { var t=3Dthis if( !t.GetState() ) t.ChgState( gFaceClr,gFaceClr,0,0 ) else t.ChgState( gShadowClr,gHiliteClr,1,1 ) t.mIsOn =3D 1 } function _TBP() { var t=3Dthis if( t.mIsOn ) {=20 if( t.UserAction !=3D null ) t.UserAction() if( !t.GetState ) return if( t.GetState() ) t.SetPressed() else t.SetActive() } =20 } function _TBUI( clr1,clr2,lOffset,tOffset ) { SetBorder( GetObj( this.mObjId ),clr1,clr2 ) Offset( GetObj( this.m_elementsId ),lOffset,tOffset ) } function Offset( obj, top, left ){ obj.style.top=3Dtop; obj.style.left=3Dle= ft } function SetBorder( obj, upperLeft, lowerRight ) { s=3Dobj.style; s.borderStyle =3D "solid" s.borderWidth =3D 1=20 s.borderLeftColor =3D s.borderTopColor =3D upperLeft s.borderBottomColor=3D s.borderRightColor =3D lowerRight } function GetBtnObj(){ return gBtnArr[window.event.srcElement.id] } function BtnOnOver(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetActive() } function BtnOnDown(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetPressed() } function BtnOnOut(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetInactive() } function BtnOnUp() { b=3DGetBtnObj() if( b !=3D null ) b.Perform() else Upd() } function GetNtsState(){ return parent.gNtsOpen } function GetOtlState(){ return parent.gOtlOpen } function GetOtlTxtState(){ return parent.gOtlTxtExp } function NtsBtnSetFlag( fVal ) { s=3Ddocument.all.item( this.m_flagId ).style s.display=3D"none" if( fVal ) s.display=3D"" else s.display=3D"none" } function _BSetA_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etActive() } function _BSetI_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etInactive() } function _BSetP_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etPressed() } function _BSetA_BorderImg() {=20 b =3D gBtnArr[this.mBorderId]=20 if( b !=3D null && this.mIsOn && !b.GetState() ) { obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 ) obj.style.posTop=3D0 } } function _BSetI_BorderImg() {=20 b =3D gBtnArr[this.mBorderId] if( b !=3D null && this.mIsOn && !b.GetState() ) { obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 ) obj.style.posTop=3D0 } } var gHiliteClr=3D"THREEDHIGHLIGHT",gShadowClr=3D"THREEDSHADOW",gFaceClr=3D"= THREEDFACE" var gBtnArr =3D new Array() gBtnArr["nb_otl"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOtlPan= e,GetOtlState ) gBtnArr["nb_otlElem"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOt= lPane,GetOtlState ) gBtnArr["nb_nts"] =3D new ImgBtn( "nb_nts","nb_ntsBorder",10,parent.ToggleN= tsPane ) gBtnArr["nb_nts"].SetActive =3D _BSetA_BorderImg; gBtnArr["nb_nts"].SetInactive =3D _BSetI_BorderImg; gBtnArr["nb_ntsBorder"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.= ToggleNtsPane,GetNtsState ) gBtnArr["nb_ntsElem"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.To= ggleNtsPane,GetNtsState ) gBtnArr["nb_prevBorder"] =3D gBtnArr["nb_prev"]=3D new ImgBtn( "nb_prev","n= b_prevBorder",30,parent.GoToPrevSld ) gBtnArr["nb_nextBorder"] =3D gBtnArr["nb_next"]=3D new ImgBtn( "nb_next","n= b_nextBorder",30,parent.GoToNextSld ) gBtnArr["nb_sldshw"]=3D new ImgBtn( "nb_sldshw","nb_sldshwBorder",18,parent= .FullScreen ) gBtnArr["nb_sldshwBorder"] =3D new TxtBtn( "nb_sldshw","nb_sldshwBorder",pa= rent.FullScreen,null ) gBtnArr["nb_sldshwBorder"].SetActive =3D _BSetA_Border; gBtnArr["nb_sldshwBorder"].SetInactive =3D _BSetI_Border; gBtnArr["nb_sldshwText"] =3D new TxtBtn( "nb_sldshw","nb_sldshwText",parent= .FullScreen,null ) gBtnArr["nb_sldshwText"].SetActive =3D _BSetA_Border; gBtnArr["nb_sldshwText"].SetInactive =3D _BSetI_Border; gBtnArr["nb_voice"] =3D gBtnArr["nb_voiceBorder"] =3D new ImgBtn( "nb_voice= ","nb_voiceBorder",18,parent.ToggleVNarration ) gBtnArr["nb_otlTxtBorder"] =3D gBtnArr["nb_otlTxt"]=3D new ImgBtn( "nb_otlT= xt","nb_otlTxtBorder",23,parent.ToggleOtlText ) gBtnArr["nb_ntsBorder"].m_flagId=3D "nb_nts" gBtnArr["nb_ntsBorder"].SetFlag =3D NtsBtnSetFlag gBtnArr["nb_otlTxt"].ChangeIcon=3D GetOtlTxtState /********************************************* Context menu implementation _CM() is the function that's hooked up to the oncontextmenu event. Once we're asked to show the menu, we first build it by creating DIVs on-the-fly. Then we position it=20 within the screen area so it doesn't get clipped. Creating the DIVs using createElement() means we don't have to write out any extra HTML into the slide HTML files. **********************************************/ var sNext=3D"Next",sPrev=3D"Previous",sEnd=3D"End Show",sFont=3D"Arial",sAr= row=3D"Arrow",sFreeform=3D"Freeform",sRect=3D"Rectangle",sOval=3D"Oval" function ShowMenu() { BuildMenu(); var doc=3DPPTSld.document.body,x=3DPPTSld.event.clientX+doc.scrollLeft,y= =3DPPTSld.event.clientY+doc.scrollTop m =3D PPTSld.document.all.item("ctxtmenu") m.style.pixelLeft=3Dx if( (x+m.scrollWidth > doc.clientWidth)&&(x-m.scrollWidth > 0) ) m.style.pixelLeft=3Dx-m.scrollWidth m.style.pixelTop=3Dy if( (y+m.scrollHeight > doc.clientHeight)&&(y-m.scrollHeight > 0) ) m.style.pixelTop=3Dy-m.scrollHeight m.style.display=3D"" } function _CM() { if( !parent.IsFullScrMode() ) return; if(!PPTSld.event.ctrlKey) { ShowMenu() return false } else HideMenu() } function BuildMenu() { if( PPTSld.document.all.item("ctxtmenu") ) return var mObj=3DCreateItem( PPTSld.document.body ) mObj.id=3D"ctxtmenu" mObj.style.visibility=3D"hidden" var s=3DmObj.style s.position=3D"absolute" s.cursor=3D"default" s.width=3D"120px" SetCMBorder(mObj,"menu","black") var iObj=3DCreateItem( mObj ) SetCMBorder( iObj, "threedhighlight","threedshadow" ) iObj.style.padding=3D2 CreateMenuItem( iObj,sNext,M_GoNextSld,M_True ) CreateMenuItem( iObj,sPrev,M_GoPrevSld,M_HasPrevSld ) =09 CreateSeparator( iObj ) CreateMenuItem( iObj,sEnd,M_End,M_True ) mObj.style.visibility=3D"visible" } function Cancel() { window.event.cancelBubble=3Dtrue; window.event.returnVa= lue=3Dfalse } function Highlight() { ChangeClr("activecaption","threedhighlight") } function Deselect() { ChangeClr("threedface","menutext") } function Perform() { e=3DPPTSld.event.srcElement if( e.type=3D=3D"menuitem" && e.IsActive() ) e.Action() else PPTSld.event.cancelBubble=3Dtrue } function ChangeClr( bg,clr ) { e=3DPPTSld.event.srcElement if( e.type=3D=3D"menuitem" && e.IsActive() ) { e.style.backgroundColor=3Dbg e.style.color=3Dclr } } function M_HasPrevSld() { return( parent.HasPrevSld() ) } function M_GoNextSld() { if( gIsEndShow ) M_End(); else GoToNextSld() } function M_GoPrevSld() { if( gIsEndShow ) { gIsEndShow=3D0; history.back();= PPTSld.event.cancelBubble=3Dtrue; } else GoToPrevSld() } function M_True() { return true } function M_End() { window.close( self ) } function CreateMenuItem( node,text,action,eval ) { var e=3DCreateItem( node ) e.type=3D"menuitem" e.Action=3Daction e.IsActive=3Deval e.innerHTML=3Dtext if( !e.IsActive() ) e.style.color=3D"threedshadow" e.onclick=3DPerform e.onmouseover=3DHighlight e.onmouseout=3DDeselect s=3De.style; 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charset="us-ascii" PowerPoint Presentation ------=_NextPart_01C64058.1DA2DC30 Content-Location: file:///C:/49133227/RE11Ch10RealEstateFinancing_files/outline.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii"
 No= tes
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Outline
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