From: Subject: Inside America's Richest Insurance Racket - Forbes.com Date: Fri, 3 Jun 2011 08:10:29 -0700 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01CC21C5.B377D270" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.6090 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01CC21C5.B377D270 Content-Type: text/html; charset="Windows-1252" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.forbes.com/forbes/2006/1113/148.html Inside America's Richest Insurance Racket - = Forbes.com
  
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On=20 The Cover/Top Stories
Inside=20 America's Richest Insurance Racket
Scott Woolley = 11.13.06


=

Title insurance firms rake in $18 billion a year for a product = that is=20 outdated, largely unneeded--and protected by law.

Parker Kennedy's roots run deep in the California company his = family=20 founded 112 years ago. Through four generations the clan = (unrelated to the=20 Massachusetts political dynasty) has run what today is First = American, the=20 largest title-insurance company in the nation. It collects $5.8 = billion a=20 year selling this age-old mainstay of homeownership.

All that cash--for an outdated product that should have been = all but=20 wiped out by digital technology.

Title companies appeared a century ago, helping to protect home = buyers=20 from being swindled by crooks who sold properties they didn't own. = A title=20 insurance policy protects the buyer in case the deed turns out to = be=20 defective but the seller cannot be collared to refund the purchase = price.=20 It is far less necessary in these days of computerized records, = online=20 searches and rare instances of title fraud or hidden liens.

Yet First American and its two main rivals--number two = Fidelity=20 National (no relation to Fidelity mutual funds) and = third-ranked=20 LandAmerica--are fat and thriving in an $18-billion-a-year = business that=20 has quadrupled in ten years.

First American has doubled its prices in a decade, to an = average charge=20 of $1,472 per home for a title search and insurance. Meanwhile, = thanks to=20 computerized record-keeping, the cost of searching for a home's = ownership=20 records online has fallen to as low as $25. Technology also has = helped=20 make mistakes rarer; now only $74 of each policy goes to pay = claims--that=20 is, make home buyers with defective deeds whole. That leaves a = $1,373=20 spread for overhead and for profit.

Fancy this: racetracks that keep 93% of your money and return = only 5%=20 in winning tickets. They wouldn't last long, not unless they could = somehow=20 rig the rules to both forbid price competition and make the = purchase of=20 race bets mandatory. That's more or less what the title insurance = industry=20 has done to American homeowners.

Kennedy attributes his profits to the long housing boom and the = efforts=20 his company has made to deploy technology and move jobs offshore.=20 "Nobody's cutting a fat hog," he says.

But the title industry's halcyon days owe much to antiquated = state laws=20 that thwart new competition, allow prices to soar despite = declining costs=20 and force almost every home buyer to pay for insurance that most = of them=20 will never need. In all but a handful of states, laws bar = insurance giants=20 in other fields, such as AIG or State Farm, from offering title = insurance=20 and undercutting incumbents' prices. It also is illegal for anyone = to=20 offer guarantees that provide the same protection as title = insurance.

Home buyers can't get mortgages without buying title insurance; = nor can=20 banks themselves legally offer it as part of a loan. (Otherwise, = the banks=20 could demand high-volume discounts.) A handful of states set = prices title=20 firms may charge; others regulate prices and rubber-stamp the = prices title=20 firms request.

The industry has boomed on such you-gotta-have-it=20 conditions--especially in the refinancing craze of recent years. = In 2000=20 some 2 million refinancings went through; that grew to 7 million = in 2005.=20 A homeowner refinancing a mortgage pays for new title insurance, = despite=20 the utter absence of any new risk in the deed.

The title industry's perennial protectionism has had a = predictable side=20 effect: corruption. Shielded by law from having to compete on = price,=20 insurers resort to bribes and gifts to real estate agents and = mortgage=20 brokers for steering business their way, deceptive front = companies, phony=20 "reinsurance" deals and other creative chicanery .

Regulators in Washington State just revealed that First = American spent=20 $120,000 a month courting real estate agents with season tickets = to=20 University of Washington football games, tickets for Seattle = Supersonics=20 basketball games, shopping sprees and other goodies. The state = report says=20 the firm was "the worst offender" and committed more than a = hundred=20 violations a month in the 18-month period studied. It adds: "First = American offers a prime example of how illegal inducements can = help a=20 company attain superior market share."

Kennedy says that despite pressure to keep up with crooked = competitors=20 he never approves such schemes: "All you can do is try to hire = honest=20 people."

Now some forces are working to rein in this rapacious industry. = Officials in dozens of counties are working to standardize = homeownership=20 for digital access by the public. The U.S. Department of Housing = &=20 Urban Development is mulling ways to force more competition on the = industry, though previous efforts have failed utterly. Some = politicians=20 who have been stalwart allies of the business now are reversing = course. In=20 California the chief regulator has just called for a 23% price = cut. This=20 summer New York mandated a 15% cut in rates.

Yet regulators in most states have blithely acquiesced as = consumers=20 bills have risen. This, despite insurers' low risk of payouts and = the=20 tech-fueled decline in costs. Sifting through property records to = ensure=20 that a title is clear of old claims costs them all of $25 to $125 = if the=20 records are digitized.

The industry's high-tech muscle is flexed at First American's = offices=20 in Santa Ana, Calif., a few miles from where Parker Kennedy's=20 great-grandfather, Charles Parker, started the company. A = cavernous data=20 center overflows with details on property in counties encompassing = 98% of=20 the U.S. population. Packed with supercomputers and suspended on = massive=20 pylons to keep them running in an earthquake, the facility soon = will hold=20 data on virtually every building in the country, Kennedy vows.

When Kennedy's great-grandfather started out in 1894 he would = hire=20 stenographers to go to the county courthouse and copy ownership = records by=20 hand into ledgers and then deliver that information to clients by = horse=20 and buggy. People who didn't have the desire, time or knowledge to = do it=20 themselves happily paid for these title surveys. In 1924 he = guaranteed his=20 copies were accurate, turning his product into title = insurance.

That process hadn't changed much by the time Parker Kennedy = joined=20 First American in 1977. He had been working as a lawyer when his = father,=20 Donald, chief executive at the time, persuaded him to join the = family=20 business. Parker would trek to courthouses and assessor offices in = southern California and tediously page through musty volumes of = property=20 records; a single title search could take all day.

Kennedy, now 58, rose to chief executive in 2003, though he = began=20 steering the company into the digital age a decade ago. The tech = overhaul=20 has let him close 48 of 50 offices in his home state of California = in five=20 years, replacing people and paper with databases and offshore data = entry=20 clerks. The online automation also has reduced errors. If the = title=20 searcher misses a contractor's lien and the builder who should = have paid=20 cannot be made to pay, the insurance steps in. It's a rarity.

"We get a little more automated every day," Kennedy says. "In = the old=20 days, if you wanted to double your business you had to double your = people.=20 Now you can double your business and increase your staff maybe = 10%."

The tech push must continue, he says, because one day economic=20 rationality and digital reality will catch up to the title = industry. Real=20 estate ownership records, always open to the public, are going = online,=20 alongside all sorts of other data. Today anyone can instantly = learn a=20 property's square footage, its sales price history, even view = satellite=20 photos, at virtually no cost. If records are instantly accessible = and=20 accurate, the need for title insurance will fade away. "Eventually = insurance won't be an important component of the product," he = allows.

So Kennedy hopes to harness digital technology to create a new=20 business. Rather than broker one piece of information for an = exorbitant=20 cost, he hopes to collect all manner of real estate skinny and = sell it to=20 banks, insurers, real estate agents and direct marketers.

3D"Out

Title insurance accounts for 70% of First America's $8 billion = in=20 annual revenue, with newer and unregulated services providing the = rest.=20 Kennedy says that this unregulated part of the business will be as = lucrative as the legally armored one he now runs. "When I look out = 5, 10,=20 20 years, I just see data becoming a very powerful thing to = own."

It wasn't until after the Great Depression that big insurers = started=20 eyeing title-industry profits, and the title firms found a clever = way to=20 fight back--not by lowering prices but with state laws that walled = off the=20 industry from outside competition.

They invoked consumer protection: In the Depression many = insurers had=20 gone bust, including a few that also offered title insurance. The = title=20 industry, and many regulators, argued that insurers that also sold = life or=20 car insurance were more likely to go broke and stick their = customers with=20 unpaid title claims.

Click here to see a sampling of = letters we=20 received in response to this story.


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pageType =3D "list";=0A= else if (thisURL.match(sectionExpr) && = thisURL.indexOf("html")=3D=3D-1) pageType =3D "section";=0A= else if (thisURL.match(channelExpr) && = thisURL.indexOf("html")=3D=3D-1) {=0A= if (thisURL.lastIndexOf("/")=3D=3DthisURL.length-1) thisURL =3D = thisURL.substr(0,thisURL.length-2);=0A= thisURL =3D thisURL.substr(0,thisURL.lastIndexOf("/"));=0A= if (thisURL.length =3D=3D 0) pageType =3D "channel";=0A= else pageType =3D "generic";=0A= }=0A= else if (thisURL.length<2) pageType =3D "home";=0A= else if (typeof wincol_generic_layout !=3D "undefined") {=0A= if (wincol_generic_layout =3D=3D "window") pageType =3D "generic = window";=0A= else if (wincol_generic_layout =3D=3D "column") pageType =3D "generic = column";=0A= else pageType =3D "generic";=0A= }=0A= else pageType =3D "generic";=0A= }=0A= } else if (typeof wincol_generic_layout !=3D "undefined") {=0A= if (wincol_generic_layout =3D=3D "window") pageType =3D "generic = window";=0A= else if (wincol_generic_layout =3D=3D "column") pageType =3D "generic = column";=0A= else pageType =3D "generic";=0A= } else pageType =3D "generic";=0A= =0A= // css for centering=0A= if(typeof fdc_nocss =3D=3D 'undefined') {=0A= if (navigator.appName.indexOf("Netscape") !=3D -1) { =0A= =0A= if ((typeof pageType !=3D 'undefined' && pageType =3D=3D "home") || = typeof fdc_center !=3D "undefined"){=0A= document.write ('');=0A= } else {=0A= document.write ('');=0A= }=0A= } else {=0A= if((typeof pageType !=3D 'undefined' && pageType =3D=3D "home") || = typeof fdc_center !=3D "undefined") {=0A= document.write ('');=0A= } else {=0A= document.write ('');=0A= }=0A= =0A= }=0A= }=0A= =0A= var centBan =3D "CenterBanner";=0A= =0A= //l0g1kh4k t0 0v3rr1d3 g3n3r1c=0A= if ( typeof displayedSection !=3D "undefined" && displayedSection =3D=3D = "searchhome" && ( thisURL.indexOf( "/find" ) !=3D -1 || thisURL.indexOf( = "/web" ) !=3D -1 || thisURL.indexOf( "/blogs" ) !=3D -1 )) {=0A= pageType =3D "search";=0A= }=0A= =0A= if (pageType =3D=3D "home") {=0A= cssPre =3D "";=0A= centBan =3D "CenterBannerHome";=0A= OAS_listpos =3D = "AdController,BigBanner,Block,x5,LeftBottom,LeftBottom2,RightUndQuotes,x8= 8,x89,AutosModule,x79,x83,SponsorLogo,x103,x1,x100";=0A= } else if (pageType =3D=3D "search") {=0A= OAS_listpos =3D = "AdController,BigBanner,Block,AlertsLogo,AutosModule,x98,x99,x102,LeftBot= tom,LeftBottom2,LeftBottom3,LeftBottom4,RightUndQuotes,StoryLogo,x88,x89,= x5,x85,x83,x113,x112,Loge,x1,x100";=0A= } else if (pageType =3D=3D "channel") {=0A= //this actually covers channel AND section setup (some sections follow = channel url structure), also includes rightmiddle for nonresolving = friendlies=0A= var channelListposWincol =3D "Block";=0A= if (this.location.href.indexOf('http://orgchart.forbes.com') !=3D -1 || = this.location.href.indexOf('http://bfn.forbes.com') !=3D -1 || = this.location.href.indexOf('http://www.forbes.com/static_html/econ_calend= ars/economic_calendar.html') !=3D -1 || = this.location.href.indexOf('http://www.forbes.com/businessvisionaries') = !=3D -1 || = this.location.href.indexOf('http://www.forbes.com/fdc/sitemap.html') = !=3D -1 || = this.location.href.indexOf('http://www.forbes.com/fdc/help.html') !=3D = -1 || = this.location.href.indexOf('http://www.forbes.com/fdc/contact.html') = !=3D -1 || this.location.href.indexOf('http://www.forbes.com/magazines') = !=3D -1 || this.location.href.indexOf('http://www.forbes.com/mobile') = !=3D -1 || = this.location.href.indexOf('http://www.forbes.com/fdc/rss.html') !=3D -1 = || = this.location.href.indexOf('http://www.forbes.com/fdc/reprints/Reprints.j= html') !=3D -1 || = this.location.href.indexOf('http://www.forbes.com/fdc/subservices.html') = !=3D -1 || (this.location.href.indexOf('http://www.forbes.com/forbes') = !=3D -1 && this.location.href.indexOf('forbeswoman') =3D=3D -1 && = this.location.href.indexOf('forbesinvestorteam') =3D=3D -1) || = this.location.href.indexOf('http://www.forbes.com/forbesglobal') !=3D -1 = || this.location.href.indexOf('http://www.forbes.com/fdc/privacy.html') = !=3D -1 || = this.location.href.indexOf('http://www.forbes.com/fdc/terms.html') !=3D = -1) { channelListposWincol =3D "RightMiddle"; }=0A= OAS_listpos =3D "AdController,BigBanner," + channelListposWincol + = ",AlertsLogo,AutosModule,x98,x99,x102,LeftBottom,LeftBottom2,RightUndQuot= es,StoryLogo,SponsorLogo,x88,x5,x85,x83,x113,x68,x112,Loge,x109,x103,x1,x= 62,x100";=0A= } else if (pageType =3D=3D "section") {=0A= OAS_listpos =3D = "AdController,BigBanner,Block,AlertsLogo,AutosModule,x98,x99,x102,LeftBot= tom,LeftBottom2,LeftBottom3,LeftBottom4,RightUndQuotes,StoryLogo,SponsorL= ogo,x88,x5,x85,x83,x113,x112,Loge,x103,x1,x62,x100";=0A= } else if (pageType =3D=3D "list") {=0A= =0A= if ((typeof sponsor=3D=3D"undefined") || = (sponsor.length=3D=3D0)) {=0A= sponsor =3D "";=0A= } else {=0A= sponsor =3D "/" + sponsor;=0A= }=0A= if (typeof listId =3D=3D "undefined") listId =3D thisURL.substr(12,3);=0A= if(listId.indexOf('/')>-1) listId =3D listId.substr(0,2);=0A= =0A= OAS_sitepage =3D "forbes.com/lists/ListID" + listId + "/results" = + sponsor;=0A= =0A= if ((thisURL.indexOf("lists/2008/86") !=3D -1 && = thisURL.indexOf("The-Philippines-40") =3D=3D -1) || = (thisURL.indexOf("lists/2008/53") !=3D -1 && = thisURL.indexOf("The-Celebrity-100") =3D=3D -1) || = (thisURL.indexOf("lists/2008/74") !=3D -1 && = thisURL.indexOf("The-400-Richest-Chinese") =3D=3D -1) || = (thisURL.indexOf("lists/2008/56") !=3D -1 && = thisURL.indexOf("Asian-Altruists") =3D=3D -1) || = (thisURL.indexOf("lists/2008/78") !=3D -1 && = thisURL.indexOf("Australia-and-New-Zealands-40-Richest") =3D=3D -1) || = (thisURL.indexOf("lists/2008/87") !=3D -1 && = thisURL.indexOf("Taiwans-Richest") =3D=3D -1) || = (thisURL.indexOf("lists/2008/82") !=3D -1 && = thisURL.indexOf("Hong-Kongs-40-Richest") =3D=3D -1) || = (thisURL.indexOf("lists/2007/77") !=3D -1 && = thisURL.indexOf("Indias-Richest") =3D=3D -1) || = (thisURL.indexOf("lists/2008/77") !=3D -1 && = thisURL.indexOf("Indias-Richest") =3D=3D -1) || = (thisURL.indexOf("lists/2008/73") !=3D -1 && = thisURL.indexOf("Japans-Richest") =3D=3D -1) || = (thisURL.indexOf("lists/2008/83") !=3D -1 && = thisURL.indexOf("Koreas-Richest") =3D=3D -1) || = (thisURL.indexOf("lists/2008/84") !=3D -1 && = thisURL.indexOf("Malaysias-Richest") =3D=3D -1) || = (thisURL.indexOf("lists/2008/6") !=3D -1 && = thisURL.indexOf("Best-Countries-for-Business") =3D=3D -1)) {=0A= =0A= OAS_listpos =3D = "AdController,BigBanner,Block,StoryLogo,AutosModule,x1,x100";=0A= } else {=0A= OAS_listpos =3D = "AdController,BigBanner,RightMiddle,StoryLogo,x1,x100";=0A= }=0A= =0A= =0A= } else if (pageType =3D=3D "lander") {=0A= //lander_setup.js=0A= =0A= OAS_listpos =3D = "AdController,BigBanner,RightMiddle,x5,StoryLogo,x1,x100";=0A= //end lander_setup.js=0A= } else if ((pageType =3D=3D "magstory") || (pageType =3D=3D "story")) {=0A= // wincol.js=0A= var fdcQuotesURL =3D "/cms/components/wincol/quotes_js.jhtml";=0A= var fdcWincolThreshhold;=0A= var fdcWincolResult;=0A= var fdcWincolStyle;=0A= // Set this to the % of frequency templates=0A= // will be rendered as columns.=0A= // eg. 30 =3D 30% column (and 70% windows).=0A= var fdcWincolDefault =3D 5;=0A= var OAS_listpos =3D "";=0A= var fdcDisableCallbacks =3D 1;=0A= =0A= fdcWincolDecideTargetting();=0A= =0A= } else if(pageType =3D=3D "generic window") {=0A= OAS_listpos =3D "AdController,Block,BigBanner,AutosModule,x83,x1,x100";=0A= } else if(pageType =3D=3D "generic column") {=0A= OAS_listpos =3D "AdController,RightMiddle,BigBanner,x106,x1,x100";=0A= } else if(pageType =3D=3D "clipmarks") {=0A= OAS_listpos =3D "AdController,BigBanner,x1,x100";=0A= } else if(pageType =3D=3D "thought-leaders") {=0A= OAS_listpos =3D = "AdController,BigBanner,Block,RightMiddle,SponsorLogo,x5";=0A= }=0A= =0A= function fdcWincolComputeListpos(template) {=0A= if(template) {=0A= if(template =3D=3D 'wide') {=0A= OAS_listpos =3D "AdController,BigBanner,RightMiddle,x5,"+=0A= = "Loge,x89,StoryLogo,AlertsLogo,LeftBottom,LeftBottom2,LeftBottom3,LeftBot= tom4,"+=0A= "x85,x91,x92,x1,x100";=0A= } else if(template =3D=3D 'xWide') {=0A= OAS_listpos =3D = "AdController,BigBanner,x5,StoryLogo,Loge,x89,x1,x100";=0A= } else {=0A= var largeLeft =3D "Block";=0A= if(fdcWincolStyle =3D=3D "column") largeLeft =3D = "RightMiddle";=0A= OAS_listpos =3D = "AdController,BigBanner,"+largeLeft+",x5,StoryLogo,"+=0A= = "x88,x89,AlertsLogo,LeftBottom,LeftBottom2,LeftBottom3,LeftBottom4,Loge,A= utosModule,x83,x85,x91,x92,x1,x100,x70,x112";=0A= }=0A= } else {=0A= if ((pageType =3D=3D "magstory") || (pageType =3D=3D "story")) {=0A= url =3D '' + window.location;=0A= if(fdcWincolStyle=3D=3D"window") {=0A= // DO NOT CHANGE WITHOUT APPROVAL=0A= OAS_listpos =3D = "AdController,Block,BigBanner,x5,LeftBottom,LeftBottom2,x102,StoryLogo,x8= 8,x89,LeftBottom3,LeftBottom4,AlertsLogo,AutosModule,StoryBotLogo,x83,Log= e,x85,x91,x92,x1,x100";=0A= }=0A= else {=0A= // DO NOT CHANGE WITHOUT APPROVAL=0A= OAS_listpos =3D = "AdController,RightMiddle,BigBanner,x5,LeftBottom,LeftBottom2,x102,x106,S= toryLogo,x88,x89,LeftBottom3,LeftBottom4,AlertsLogo,StoryBotLogo,x83,Loge= ,x85,x91,x92,x1,x100";=0A= }=0A= }=0A= }=0A= }=0A= function fdcWincolAlert(){=0A= testStr =3D "";=0A= if(typeof pageType !=3D "undefined") testStr =3D testStr + "pagetype: " = + pageType + "\n";=0A= if(typeof OAS_sitepage !=3D "undefined") testStr =3D testStr + = "OAS_sitepage: " + OAS_sitepage + "\n";=0A= if(typeof OAS_listpos !=3D "undefined") testStr =3D testStr + = "OAS_listpos: " + OAS_listpos + "\n";=0A= if(typeof OAS_query !=3D "undefined") testStr =3D testStr + "OAS_query: = " + OAS_query + "\n";=0A= if(typeof fdcWincolThreshhold !=3D "undefined") testStr =3D testStr + = "minimum for window: " + fdcWincolThreshhold + "\n";=0A= if(typeof fdcWincolResult!=3D "undefined") testStr =3D testStr + = "result: " + fdcWincolResult + "\n";=0A= if(typeof fdcWincolStyle !=3D "undefined") testStr =3D testStr + = "style: " + fdcWincolStyle + "\n";=0A= alert(testStr);=0A= }=0A= =0A= function fdcWincolDecideTargetting() {=0A= var url =3D window.location + "";=0A= // use URL for OAS_sitepage value if URL matches following=0A= if ( url.indexOf("/topstories/") !=3D -1 ) { = fdcWincolComputeSitepage(); }=0A= else { var OAS_sitepage =3D ""; }=0A= }=0A= function fdcWincolComputeSitepage(path){=0A= url =3D '' + window.location;=0A= start =3D url.indexOf('//') + 2;=0A= start =3D url.indexOf('/',start) + 1;=0A= end =3D url.indexOf('?'); if(end=3D=3D-1){end=3Durl.length}=0A= if(typeof path !=3D "undefined") { OAS_sitepage =3D 'forbes.com/' + = path + url.substring(start, end); }=0A= else { OAS_sitepage =3D 'forbes.com/' + url.substring(start, end); }=0A= }=0A= function fdcWincolComputeStyle() {=0A= var url =3D window.location + "";=0A= // 100 =3D all columns=0A= // 0 =3D all windows=0A= if (url.indexOf("/column/") !=3D -1 ) { = fdcWincolThreshhold =3D 100; }=0A= else if (url.indexOf("/window/") !=3D -1 ) { = fdcWincolThreshhold =3D 0; }=0A= else if (typeof storyTemplateType !=3D 'undefined'){ if = (storyTemplateType=3D=3D'iivideo') fdcWincolThreshhold =3D 100; }=0A= =0A= // Wincol overrides for stories by channel/section=0A= else if (displayedSection =3D=3D "claytonchristensen" || = (document.referrer.indexOf("/claytonchristensen") !=3D -1 && = document.referrer.indexOf(".html") =3D=3D -1)) { = fdcWincolThreshhold =3D 0; }=0A= else if (displayedSection =3D=3D "business intelligence" = || (document.referrer.indexOf("/business-intelligence") !=3D -1 && = document.referrer.indexOf(".html") =3D=3D -1)) { = fdcWincolThreshhold =3D 0; }=0A= else if (displayedSection =3D=3D "fact and comment" || = (document.referrer.indexOf("/fact-and-comment") !=3D -1 && = document.referrer.indexOf(".html") =3D=3D -1)) { = fdcWincolThreshhold =3D 0; }=0A= else if (displayedSection =3D=3D "logistics" || = (document.referrer.indexOf("/logistics") !=3D -1 && = document.referrer.indexOf(".html") =3D=3D -1)) { = fdcWincolThreshhold =3D 10; }=0A= else if (displayedSection =3D=3D "thought leaders" || = (document.referrer.indexOf("/thought-leaders") !=3D -1 && = document.referrer.indexOf(".html") =3D=3D -1)) { fdcWincolThreshhold = =3D 50; }=0A= else if (displayedSection =3D=3D "cmonetwork") { = fdcWincolThreshhold =3D 0; }=0A= else if (displayedSection =3D=3D "intelligentinvesting") = { fdcWincolThreshhold =3D 0; }=0A= else if (displayedSection =3D=3D "salesleadership") { = fdcWincolThreshhold =3D 0; }=0A= else if (displayedSection =3D=3D "intelligenttech") { = fdcWincolThreshhold =3D 0; }=0A= =0A= else if (displayedChannel =3D=3D "personalFinance" || = (document.referrer.indexOf("/investing") !=3D -1 && = document.referrer.indexOf(".html") =3D=3D -1)) { = fdcWincolThreshhold =3D 10; }=0A= else if (displayedChannel =3D=3D "markets" || = (document.referrer.indexOf("/investing") !=3D -1 && = document.referrer.indexOf(".html") =3D=3D -1)) { = fdcWincolThreshhold =3D 0; }=0A= else if (displayedSection =3D=3D "washington" || = (document.referrer.indexOf("/beltway") !=3D -1 && = document.referrer.indexOf(".html") =3D=3D -1)) { = fdcWincolThreshhold =3D 50; }=0A= else if (displayedChannel =3D=3D "business" || (displayedChannel = =3D=3D "entrepreneurs" && displayedSection !=3D "ampc")) { = fdcWincolThreshhold =3D 30; }=0A= else if (displayedChannel =3D=3D "entrepreneurs" && displayedSection = =3D=3D "ampc") { fdcWincolThreshhold =3D 90; }=0A= else if (displayedChannel =3D=3D "technology" && = displayedSection =3D=3D "security"){fdcWincolThreshhold =3D 40; }=0A= else if (displayedChannel =3D=3D "technology" ) { = fdcWincolThreshhold =3D 10; }=0A= =0A= =0A= // Wincol overrides for stories by referrer=0A= =0A= // Wincol overrides by author=0A= else if (fdcWincolCheckByMeta("author", "Ken Fisher")) { = fdcWincolThreshhold =3D 0; }=0A= =0A= // Wincol overrides for stories by URL=0A= else if (url.indexOf("women-style") !=3D -1 || = url.indexOf("woman-style") !=3D -1 || url.indexOf("flew") !=3D -1 || = url.indexOf("2009/03/31/travel-perks-executives-women-leadership-trips_sl= ide") !=3D -1) { fdcWincolThreshhold =3D 0; }=0A= else if (url.indexOf("power-09") !=3D -1) { fdcWincolThreshhold =3D 0; = }=0A= =0A= else { fdcWincolThreshhold = =3D fdcWincolDefault; }=0A= =0A= // Master override for medical tech special report=0A= if (url.indexOf("medical-tech-09") !=3D -1 || = url.indexOf("2009/09/24/sohaib-abbasi-data-intelligent-technology-informa= tica.html") !=3D -1 || = url.indexOf("global/2009/0921/entrepreneurs-meiloo-china-helping-with-hea= th-care.html") !=3D -1 || = url.indexOf("2009/09/17/robots-health-care-technology-breakthroughs-teleh= ealth.html") !=3D -1 || = url.indexOf("2009/07/30/health-wellness-internet-lifestyle-health-online-= facebook.html") !=3D -1 || = url.indexOf("2009/04/23/health-internet-records-technology-personal-tech-= health.html") !=3D -1 || = url.indexOf("forbes/2009/1019/forbes-400-rich-list-09-soon-shiong-health-= cancer-man.html") !=3D -1) {=0A= fdcWincolThreshhold =3D 0;=0A= }=0A= =0A= // Master override for Money for Life special report=0A= if ((url.indexOf("money-life-10") !=3D -1 || = (url.indexOf("2010/01/25/retirement-college-planning-mortgage-personal-fi= nance-moneylife_land.html") !=3D -1 )||( = url.indexOf("2010/01/25/tips-first-time-homebuyer-personal-finance-mortga= ge.html") !=3D -1 )|| = (url.indexOf("2010/01/25/expecting-parents-money-personal-finance-new-par= ents.html") !=3D -1) || = (url.indexOf("2010/01/25/child-credit-childcare-college-irs-personal-fina= nce-tax-breaks-for-kids.html") !=3D -1) || = (url.indexOf("2010/01/25/starting-first-business-personal-finance-first-b= usiness.html") !=3D -1 )|| = (url.indexOf("2010/01/25/college-savings-529-personal-finance-529.html") = !=3D -1)) || = url.indexOf("2010/01/25/asset-allocation-retirement-personal-finance-reti= re.html") !=3D = -1||url.indexOf("2009/07/21/freelance-taxes-jobs-personal-finance-freelan= cers.html") !=3D -1) {=0A= fdcWincolThreshhold =3D 0;=0A= }=0A= // Master override for Money life tax=0A= if (url.indexOf("money-life-tax-10") !=3D -1 || = (url.indexOf("2010/02/16/tax-credits-planning-1040-irs-personal-finance-m= oney-life-tax_land.html") !=3D -1 )||( = url.indexOf("2010/02/16/credit-cards-roth-rebates-personal-finance-tax-fr= ee-income.html") !=3D -1 )|| = (url.indexOf("2010/02/16/tax-deduction-mba-education-personal-finance-rob= ert-wood.html") !=3D -1) || = (url.indexOf("2010/02/16/tax-credits-windows-solar-power-personal-finance= -green-tax-breaks.html") !=3D -1) || = (url.indexOf("2010/02/16/tax-cancelled-debt-income-mortgage-personal-fina= nce-robert-wood.html") !=3D -1 )|| = (url.indexOf("2010/02/16/irs-1040-tax-preparers-personal-finance-bad-tax-= pros.html") !=3D -1) || = url.indexOf("2010/01/25/child-credit-childcare-college-irs-personal-finan= ce-tax-breaks-for-kids.html") !=3D -1|| = url.indexOf("2010/02/16/custody-exemption-alimony-401k-personal-finance-d= ivorce-tax-tips.html") !=3D -1|| = url.indexOf("2010/02/16/taxes-adult-children-gifts-credits-personal-finan= ce-boomerang-kids.html") !=3D -1|| = url.indexOf("2010/02/16/vacation-primary-home-capital-gains-personal-fina= nce-second-home-taxes.html") !=3D -1|| = url.indexOf("2010/02/16/irs-high-income-millionaire-audits-personal-finan= ce-pwc-tonkovic.html") !=3D -1|| = url.indexOf("2010/02/16/taxes-traditional-roth-ira-rmd-personal-finance-r= oth-conversions-2010.html") !=3D -1|| = url.indexOf("2010/02/16/tax-credits-stimulus-seniors-personal-finance-200= 9-1040-traps") !=3D -1|| = url.indexOf("2009/11/03/audit-proof-tax-return-irs-personal-finance-wood.= html") !=3D -1|| = url.indexOf("2010/01/27/irs-1099-computer-matching-audits-personal-financ= e-robert-wood.html") !=3D -1) {=0A= 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Make Forbes.com My Home = Page

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Bookmark This Page

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=0A= }=0A= else {=0A= location.href =3D '/alerts/unsupported.shtml';=0A= }=0A= }=0A= =0A= function trim(str){=0A= trimmedStr =3D str.replace(new RegExp(/^\s+/),""); // START=0A= trimmedStr =3D str.replace(new RegExp(/\s+$/),""); // END=0A= =0A= return trimmedStr;=0A= }=0A= =0A= function loginCheck(loginStr) {=0A= if(loginStr=3D=3Dnull){=0A= return false;=0A= }=0A= =0A= // trim leading and trailing whitespace chars=0A= var theLogin =3D this.trim(loginStr);=0A= =0A= if (theLogin=3D=3D""){=0A= return false;=0A= }=0A= =0A= // The login should contain only letters, digits or underscore chars;=0A= // the length of the login must be between 5 and 25 chars.=0A= if (theLogin.match(new RegExp(/^[\dA-Za-z_]{5,25}$/)) =3D=3D null){=0A= return false;=0A= }=0A= =0A= return true;=0A= }=0A= =0A= function emailCheck (emailStr) {=0A= var emailPat=3D/^(.+)@(.+)$/=0A= var specialChars=3D"\\(\\)<>@,;:\\\\\\\"\\.\\[\\]"=0A= var validChars=3D"\[^\\s" + specialChars + "\]"=0A= var quotedUser=3D"(\"[^\"]*\")"=0A= var ipDomainPat=3D/^\[(\d{1,3})\.(\d{1,3})\.(\d{1,3})\.(\d{1,3})\]$/=0A= var atom=3DvalidChars + '+'=0A= var word=3D"(" + atom + "|" + quotedUser + ")"=0A= var userPat=3Dnew RegExp("^" + word + "(\\." + word + ")*$")=0A= var domainPat=3Dnew RegExp("^" + atom + "(\\." + atom +")*$")=0A= var matchArray=3DemailStr.match(emailPat)=0A= if (matchArray=3D=3Dnull) {=0A= // alert("Email address seems incorrect (check @ and .'s)")=0A= return false=0A= }=0A= var user=3DmatchArray[1];=0A= var domain=3DmatchArray[2];=0A= =0A= if (user.match(userPat)=3D=3Dnull) {=0A= // user is not valid=0A= // alert("The username doesn't seem to be valid.")=0A= return false;=0A= }=0A= =0A= var IPArray=3Ddomain.match(ipDomainPat);=0A= if (IPArray!=3Dnull) {=0A= // this is an IP address=0A= for (var i=3D1;i<=3D4;i++) {=0A= if (IPArray[i]>255) {=0A= //alert("Destination IP address is invalid!")=0A= return false;=0A= }=0A= }=0A= return true;=0A= }=0A= =0A= // Domain is symbolic name=0A= var domainArray=3Ddomain.match(domainPat);=0A= if (domainArray=3D=3Dnull) {=0A= //alert("The domain name doesn't seem to be valid.")=0A= return false;=0A= }=0A= =0A= var atomPat=3Dnew RegExp(atom,"g");=0A= var domArr=3Ddomain.match(atomPat);=0A= var len=3DdomArr.length;=0A= if (domArr[domArr.length-1].length<2 || =0A= domArr[domArr.length-1].length>3) {=0A= return false;=0A= }=0A= =0A= if (len<2) {=0A= var errStr=3D"This address is missing a hostname!"=0A= return false;=0A= }=0A= =0A= return true;=0A= }=0A= =0A= function verifyOneChecked(theForm) {=0A= var retValue =3D false;=0A= if((theForm!=3Dnull)&&(theForm.elements!=3Dnull)) {=0A= for(i=3D0; i = = = =
= 3D"pic" =
= = Divorce Dirty Tricks =
= Gadgets We Love =
= Giuliani Inc.: Strange Company =
= Real Estate\'s Richest Racket =
= The Plot Against Small Cars =
Complete Contents =
');=0A= ------=_NextPart_000_0000_01CC21C5.B377D270 Content-Type: application/octet-stream Content-Transfer-Encoding: quoted-printable Content-Location: http://images.forbes.com/scripts/todayOnForbes.js =0A= =0A= =0A= document.writeln( "
Today On = Forbes.com
" );=0A= document.writeln( "
" );=0A= =0A= //1=0A= document.writeln( " " );=0A= document.writeln( " An Insider's Take On Apple In The Post-Steve Jobs = Era
" );=0A= document.writeln( " Forbes Blogs" );=0A= document.writeln( "
Anyone predicting the company will falter = without its CEO should take a closer look at the team he has put in = place, a former Apple senior vice president says.
" );=0A= document.writeln( "
    " );=0A= =0A= document.writeln( "
" );=0A= //document.writeln( "
" );=0A= document.writeln( "
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//a = placeholder for customer CPP's=0A= triggerParms["capturePageView"] =3D 1;=0A= //excludeList[0] =3D "/exclude/"; //trigger script will not work under = this path=0A= =0A= //triggerParms["dcUniqueId"] =3D "TEST04JloZZN0k9cI1Ep5d"; // (22 chars = unique Id for double cookie I/II)=0A= //triggerParms["midexp"] =3D 129600; // model instance expiry value=0A= triggerParms["rso"]=3D 0; //user has chosen to use Retry Survey Option=0A= triggerParms["aro"]=3D 0; //user has chosen to use Auto Retry Option, = with SP=3D100=0A= //triggerParms["rct"]=3D 1; //The maximum number of times allowed to = serve a survey to a user=0A= //triggerParms["rds"]=3D 1; //The minimum number of days to wait to = serve a survey repeatedly=0A= //triggerParms["mrd"]=3D 1; //The total number of days that a user can = be re-served a survey=0A= =0A= triggerParms["compliant508"] =3D 0; //508 compliant if 1=0A= =0A= //DHTML Parameters=0A= triggerParms["dhtmlIndex"]=3D 10000; // z-index s/b greater then = client=92s dhtml z-index (if exist) - default 100=0A= triggerParms["dhtmlWidth"] =3D 400; // welcome page width=0A= triggerParms["dhtmlHeight"] =3D 290; // welcome page height=0A= triggerParms["dhtmlURL"]=3D "/scripts/FSRInvite.html?"+document.domain = +"&"+ triggerParms["domain"];=0A= =0A= //DHTML Positioning=0A= //center bottom-center bottom-right bottom-left upper-right = upper-left=0A= //x,y =3D (2,150) x,y =3D (2,350) x,y =3D (1.02,350) x,y =3D (60,350) = x,y =3D (1.02,50) x,y =3D (60,50)=0A= //replace (x,y) below with any one of the above, default =3D center=0A= =0A= var x=3D60;=0A= var y=3D150;=0A= =0A= triggerParms["dhtmlLeft"] =3D (self.screen.width - = triggerParms["dhtmlWidth"])/x; //invite page left position**DO NOT = MODIFY**=0A= triggerParms["dhtmlTop"] =3D Math.min((self.screen.height - = triggerParms["dhtmlHeight"])/2,y); //invite page top position**DO NOT = MODIFY**=0A= =0A= //FLASH Parameters - not to be used with other embedded objects e.g. = (.dcr/.mov/.mpeg/.avi/.wma/.wmv/.aam/.rm/.ram)=0A= triggerParms["flashDetect"]=3D 0; // check if page has flash embedded = with a valid browser & player ver before showing dhtml - disable if 0=0A= flashTagList[0]=3D "swf"; // flash src check for IE/NE complaint = browsers=0A= flashTagList[1]=3D "spl"; // splash src check for IE/NE complaint = browsers=0A= flashTagList[2]=3D "clsid:d27cdb6e-ae6d-11cf-96b8-444553540000"; = //activeX ID check for IE browsers only=0A= triggerParms["inviteDelay"]=3D 1000; // invite timeout in millisecs - = default 1000ms=3D1sec=0A= =0A= //List of Multiple Survey Vendors - uncomment variables below & add = corresponding SP and URL=0A= //var multiVendorSP=3D new Array();=0A= //var multiVendorURL=3D new Array();=0A= //multiVendorSP[0] =3D 0; // sampling percentage for another vendor - = disable if commented=0A= //multiVendorURL[0] =3D ""; // absolute path to the third-party script - = disable if commented=0A= =0A= //Foresee System Paramters=0A= triggerParms["captureTriggerVersion"] =3D "STD3.2.3"; // track latest = trigger version=0A= triggerParms["popupURL"] =3D "//www.foreseeresults.com/survey/display"; = //do not change this url unless notified.=0A= triggerParms["FSRImgURL"]=3D "//www.foreseeresults.com/survey/FSRImg"; = //do not change this url unless notified.=0A= ------=_NextPart_000_0000_01CC21C5.B377D270 Content-Type: application/octet-stream Content-Transfer-Encoding: quoted-printable Content-Location: http://images.forbes.com/scripts/stdLauncher.js /************ don't modify below this line *********=0A= ************* Version : DHTML Trigger 3.2.3 ******=0A= ****** Copyright 2001-2006 ForeseeResults, Inc****/=0A= var OTCImgURL =3D "//controller.foreseeresults.com/fsrSurvey/OTCImg";=0A= var ckAlreadyShown =3D triggerParms["ascookie"]; /* name of the = persistent/session cookie*/=0A= var ckLoyaltyCount =3D triggerParms["lfcookie"]; /* name of the loyalty = count cookie*/=0A= var fullURL=3Dnull;=0A= var myPopUp=3Dnull;=0A= var fsr_mac=3Dnull;=0A= var fsr_aol=3Dnull;=0A= var fsr_opera=3Dnull;=0A= var fsr_NS8=3Dnull; /*used in Invite Page to show Note for Netscape 8 = browsers only*/=0A= var fsr_ie=3D0;=0A= var flash_version=3D 4; /*supports flash version 4 and above in IE only*/=0A= var canFlashPlay=3D0;=0A= var dcQString=3D"";=0A= var cpp_3 =3D "";=0A= var winOptions =3D = "toolbar=3D0,scrollbars=3D1,location=3D0,statusbar=3D0,menubar=3D0,resiza= ble=3D1,width=3D1,height=3D1,top=3D4000,left=3D4000";=0A= var persistentExpires =3D new Date(); /*persistent cookie expiration*/=0A= persistentExpires.setTime(persistentExpires.getTime() + = (triggerParms["rw"]*60*1000));=0A= =0A= var detect =3D navigator.userAgent.toLowerCase();=0A= var version=3D navigator.appVersion.toLowerCase();=0A= =0A= /* FOR MSIE BASED BROWSERS ONLY - detect Flash Plugin & Version*/=0A= if (detect && detect.indexOf("msie")>=3D0 && (version.indexOf("win") = !=3D -1) && triggerParms["flashDetect"] =3D=3D 1) {=0A= fsr_ie=3D1;=0A= document.write(' \n');=0A= document.write('on error resume next \n');=0A= document.write('canFlashPlay =3D ( = IsObject(CreateObject("ShockwaveFlash.ShockwaveFlash." & = flash_version)))\n');=0A= document.write(' \n');=0A= }=0A= =0A= function ForeCStdGetCookie (name) {=0A= var arg =3D name + "=3D";=0A= var alen =3D arg.length;=0A= var clen =3D document.cookie.length;=0A= var i =3D 0;=0A= while (i < clen) {=0A= var j =3D i + alen;=0A= if (document.cookie.substring(i, j) =3D=3D arg) {=0A= return ForeCStdGetCookieVal (j);=0A= }=0A= i =3D document.cookie.indexOf(" ", i) + 1;=0A= if (i =3D=3D 0) {=0A= break;=0A= }=0A= }=0A= return null;=0A= }=0A= function fsr_showWindow() { =0A= =0A= if(myPopUp !=3D null && !myPopUp.closed && fsr_aol=3D=3Dfalse && = fsr_opera=3D=3Dfalse) {return;} =0A= var cpp3Str =3D ""; =0A= cpp_3 =3D "Browser:"+ cppUrlPatch (detect) + ";" + = triggerParms["captureTriggerVersion"];=0A= cpp_3+=3D";dhtml"; =0A= var pos1 =3D fullURL.indexOf("&cpp_3=3D");=0A= var pos2 =3D fullURL.indexOf("&",pos1+1);=0A= if (pos2=3D=3D-1){=0A= fullURL =3D fullURL.substring(0,pos1);=0A= }else{=0A= cpp3Str =3D fullURL.substring(pos2,fullURL.length);=0A= fullURL =3D fullURL.substring(0,pos1);=0A= } =0A= fullURL+=3D"&cpp_3=3D"+cpp_3 + cpp3Str;=0A= =0A= =0A= if(document.all && document.all.fsr_window.filters) {=0A= eval("document.all.fsr_window").filters.revealTrans.transition =3D = 23 ;=0A= eval("document.all.fsr_window").filters.revealTrans.Apply();=0A= eval("document.all.fsr_window").style.visibility =3D 'visible';=0A= eval("document.all.fsr_window").filters.revealTrans.Play();=0A= }=0A= else if(document.all) {document.all.fsr_window.style.visibility =3D = 'visible';} =0A= else if(document.getElementById) = {document.getElementById("fsr_window").style.visibility =3D 'visible';} =0A= }=0A= function fsr_hideWindow() {=0A= if(document.all && document.all.fsr_window.filters) {=0A= eval("document.all.fsr_window").filters.revealTrans.transition =3D 23;=0A= eval("document.all.fsr_window").filters.revealTrans.Apply();=0A= eval("document.all.fsr_window").style.visibility =3D 'hidden';=0A= eval("document.all.fsr_window").filters.revealTrans.Play();=0A= }=0A= else if(document.all) {document.all.fsr_window.style.visibility =3D = 'hidden';} =0A= else if(document.getElementById) = {document.getElementById("fsr_window").style.visibility =3D 'hidden';}=0A= }=0A= function ForeCStdSetCookie (name, value) {=0A= var argv =3D ForeCStdSetCookie.arguments;=0A= var argc =3D ForeCStdSetCookie.arguments.length;=0A= var expires =3D (argc > 2) ? argv[2] : null;=0A= var path =3D (argc > 3) ? argv[3] : null;=0A= var domain =3D (argc > 4) ? argv[4] : null;=0A= var secure =3D (argc > 5) ? argv[5] : false;=0A= document.cookie =3D name + "=3D" + escape (value) +=0A= ((expires =3D=3D null) ? "" : ("; expires=3D" + expires.toGMTString())) = +=0A= ((path =3D=3D null) ? "" : ("; path=3D" + path)) +=0A= ((domain =3D=3D null) ? "" : ("; domain=3D" + domain)) +=0A= ((secure =3D=3D true) ? "; secure" : "");=0A= }=0A= function ForeCStdGetCookieVal(offset) {=0A= var endstr =3D document.cookie.indexOf (";", offset);=0A= if (endstr =3D=3D -1) {=0A= endstr =3D document.cookie.length;=0A= }=0A= return unescape(document.cookie.substring(offset, endstr));=0A= }=0A= function specialEscape(str) {=0A= var translated =3D "";=0A= var i; =0A= var found =3D 0;=0A= for(i =3D 0; (found =3D str.indexOf('+', found)) !=3D -1; ) {=0A= translated +=3D str.substring(i, found) + "%2B";=0A= i =3D found + 1;=0A= found++;=0A= }=0A= translated +=3D str.substring(i, str.length);=0A= return translated;=0A= }=0A= function Pop(){=0A= myPopUp =3D window.open(fullURL, "survey",winOptions);=0A= if ( myPopUp!=3Dnull && !myPopUp.closed) {=0A= if (triggerParms["pu"] =3D=3D 1){self.focus();=0A= } else { myPopUp.focus(); }=0A= }=0A= }=0A= function currentLocationExcluded() { =0A= var parentURLPath =3D window.location.pathname;/*location path*/=0A= for(key in excludeList) {=0A= if(parentURLPath.indexOf(excludeList[key]) !=3D -1) {=0A= return true;=0A= }=0A= }=0A= return false;=0A= }=0A= var newDt;=0A= var currTime; /*in millisecs*/=0A= var OTCImg;=0A= var FSRImg;=0A= var surveyProcessCont =3D 1;=0A= function stdImgProc() {=0A= if(triggerParms["compliant508"] =3D=3D 1) { fsr_showWindow();}=0A= else { =0A= setTimeout("fsr_showWindow();", = triggerParms["inviteDelay"],"JavaScript");=0A= }=0A= }=0A= function fsrShowSurvey(){=0A= if(dcQString =3D=3D "") { stdImgProc(); }=0A= else {=0A= newDt =3D new Date();=0A= currTime=3D newDt.getTime(); /*in millisecs*/=0A= FSRImg =3D new Image();=0A= FSRImg.src =3D null;=0A= FSRImg.onerror =3D imgErrorProc;=0A= FSRImg.onload =3D imgOnloadProc;=0A= FSRImg.src =3D triggerParms["FSRImgURL"] + "?" + dcQString + = "&uid=3D"+ currTime; /*for NE/FF Cache Fix*/=0A= }=0A= }=0A= function imgOnloadProc() {=0A= if(surveyProcessCont =3D=3D 1 && FSRImg.width =3D=3D 3) { stdImgProc(); = }=0A= return true;=0A= }=0A= function imgErrorProc() {=0A= surveyProcessCont =3D 0;=0A= return true;=0A= }=0A= function otcOnloadProc() { =0A= if(surveyProcessCont =3D=3D 1 && OTCImg.width =3D=3D 3) { = fsrShowSurvey(); }=0A= else { surveyProcessCont =3D 0; }=0A= return true;=0A= }=0A= function otcErrorProc() {=0A= fsrShowSurvey();=0A= return true;=0A= }=0A= function setVisualSciencesId(theURL)=0A= {=0A= var VisualSciencesId =3D ForeCStdGetCookie("v1st");=0A= if(VisualSciencesId !=3D null && VisualSciencesId !=3D "")=0A= {=0A= triggerParms["cpp_4"] =3D "VisualSciencesId:" + = escape(VisualSciencesId); =0A= }=0A= }=0A= function setOmnitureId(theURL)=0A= {=0A= var OmnitureId =3D ForeCStdGetCookie("s_foreSeeId");=0A= if(OmnitureId !=3D null && OmnitureId !=3D "")=0A= {=0A= triggerParms["cpp_0"] =3D "OmnitureId:" + escape(OmnitureId); =0A= }=0A= }=0A= function checkFlashParms(tagName){=0A= tagName =3D tagName.toLowerCase();=0A= for(key in flashTagList) {=0A= if(tagName.indexOf(flashTagList[key]) !=3D -1) {=0A= return true;=0A= }=0A= }=0A= return false;=0A= }=0A= function fsr_detectFlash(){=0A= if (fsr_ie){=0A= /** For IE Compatible browsers **/=0A= var obj =3D document.all.tags("OBJECT");=0A= for (var e=3D0; e=3D0) ? 1 : 0;=0A= var fsr_NS =3D ((detect.indexOf("netscape") >=3D0) || = (detect.indexOf("firefox") >=3D0)) ? 1 : 0;=0A= if (fsr_NS)=0A= flash_version=3D7; /*Netscape Mozilla supports flash player 7 and = above*/=0A= if (fsr_mac)=0A= flash_version=3D8; /*Mac Browsers supports flash player 8 and above*/=0A= =0A= /** FOR MOZILLA BASED BROWSERS - detect flash plugin & version **/=0A= var = plugin=3D(navigator.mimeTypes&&navigator.mimeTypes["application/x-shockwa= ve-flash"]?navigator.mimeTypes["application/x-shockwave-flash"].enabledPl= ugin:0);=0A= if (plugin && = parseInt(plugin.description.substring(plugin.description.indexOf(".")-1))= >=3Dflash_version) =0A= { canFlashPlay=3D1; }=0A= =0A= if ((plugin =3D=3D0 || plugin=3D=3Dnull) && !canFlashPlay){=0A= triggerParms["displayMode"]=3D1;=0A= }=0A= else {=0A= /** Skip dhtml invite for the following browsers:=0A= ** For Opera ver 7.5 and below and =0A= ** All Netscape Browsers with flash ver < 7=0A= ** Mac Browsers with flash 7 and below=0A= ** Reason: possible bug in browser or with flash player using wmode=0A= **=0A= ** Show Flash for all other browsers with flash >=3D4=0A= ** Supports IE5+,AOL7+,AOLExplorer,MAC,OPERA8+,FF,NS7+=0A= **/=0A= if ((fsr_NS && canFlashPlay) || (!fsr_opera75 && canFlashPlay)){=0A= if (triggerParms["displayMode"] !=3D 2){=0A= return true;=0A= }=0A= }=0A= triggerParms["displayMode"]=3D2;=0A= }=0A= }=0A= }=0A= if (triggerParms["displayMode"] >0){=0A= triggerParms["inviteDelay"]=3D 1000; /*overwrite invite timeout to 1 = sec*/=0A= return true;=0A= }=0A= return false;=0A= }=0A= function isAlreadyShown(){=0A= /*check if we already have shown survey or OE Scout Tracker has been = closed*/=0A= if (ForeCStdGetCookie(ckAlreadyShown) !=3D null || = (ForeCStdGetCookie("ScoutRunningCheck") !=3Dnull && = ForeCStdGetCookie("ScoutRunningCheck") =3D=3D "ScoutClosed") || = ForeCStdGetCookie("forbesSurveyViewed") !=3D null)=0A= return true;=0A= return false;=0A= }=0A= function Poll() { =0A= =0A= if(triggerParms["displayMode"] =3D=3D 0) {=0A= return;=0A= }=0A= if(currentLocationExcluded()) {=0A= return;=0A= }=0A= var stickyCounter =3D ForeCStdGetCookie(ckLoyaltyCount); /*check = counter cookie*/=0A= var pageCount;=0A= var randNum =3D Math.random();=0A= randNum *=3D 100;=0A= if (stickyCounter =3D=3D null) {=0A= pageCount =3D 1; =0A= ForeCStdSetCookie(ckLoyaltyCount, pageCount, = null,'/',triggerParms["domain"]);=0A= stickyCounter =3D ForeCStdGetCookie(ckLoyaltyCount);=0A= }=0A= if (stickyCounter !=3D null) {=0A= pageCount =3D stickyCounter;=0A= if(pageCount >=3D triggerParms["lf"]) {=0A= if(!isAlreadyShown()) {=0A= if (triggerParms["rso"] =3D=3D 1 && triggerParms["aro"] =3D=3D 1) {=0A= triggerParms["sp"] =3D 100.0; /*Update Sample percentage*/=0A= }=0A= if(randNum <=3D triggerParms["sp"]) {=0A= fsr_aol=3D ((detect.indexOf("aol") >=3D0) || = (detect.indexOf("america online browser") >=3D0)) ? 1 : 0;=0A= fsr_opera =3D (detect.indexOf("opera") >=3D0) ? 1 : 0;=0A= fsr_mac=3D (navigator.platform.indexOf("Win32") >=3D 0) ? 0 : 1;=0A= fsr_NS8=3D(detect.indexOf("netscape/8") >=3D0) ? 1 : 0;=0A= fsr_browser=3D"fsr_nn6";=0A= if(document.all || document.getElementById){ =0A= fsr_browser =3D "fsr_ie";=0A= }=0A= if(document.layers) {=0A= fsr_browser =3D "fsr_nn";=0A= } =0A= fullURL =3D triggerParms["popupURL"] + "?" + "width=3D" + = triggerParms["width"] + =0A= "&height=3D" + triggerParms["height"] +=0A= "&cid=3D" + specialEscape(escape(triggerParms["cid"])) + "&mid=3D" = + specialEscape(escape(triggerParms["mid"]));=0A= if ((triggerParms["omb"] ) !=3D null) {=0A= fullURL +=3D "&omb=3D" + escape(triggerParms["omb"]);=0A= }=0A= if ((triggerParms["cmetrics"] ) !=3D null) {=0A= fullURL +=3D "&cmetrics=3D" + escape(triggerParms["cmetrics"]);=0A= }=0A= if (triggerParms["olpu"] =3D=3D 1) {=0A= fullURL +=3D "&olpu=3D1";=0A= }=0A= if ((triggerParms["dcUniqueId"]) !=3D null) {=0A= fullURL +=3D "&dcUniqueId=3D" + escape(triggerParms["dcUniqueId"]);=0A= }=0A= if (triggerParms["rso"] =3D=3D 1) {=0A= fullURL +=3D "&rso=3D1&rct=3D" + triggerParms["rct"] + "&rds=3D" + = triggerParms["rds"] + "&mrd=3D" + triggerParms["mrd"] + "&rws=3D" + = triggerParms["rw"];=0A= }=0A= if ((triggerParms["midexp"] ) !=3D null) {=0A= fullURL +=3D "&ndc=3D1&fsexp=3D5256000&midexp=3D" + = triggerParms["midexp"];=0A= }=0A= if (triggerParms["capturePageView"] =3D=3D 1) {=0A= triggerParms["cpp_2"] =3D "PageView:"+ pageCount; /*customer = parameter 2 - Page View*/=0A= }=0A= triggerParms["cpp_3"] =3D "Browser:"+ cppUrlPatch (detect) + = ";" + triggerParms["captureTriggerVersion"] +";normal"; =0A= =0A= if (triggerParms["visualScienceId"] =3D=3D 1) {=0A= setVisualSciencesId(fullURL);=0A= }=0A= if (triggerParms["omnitureId"] =3D=3D 1) {=0A= setOmnitureId(fullURL);=0A= }=0A= =0A= var customerParams =3D "";=0A= for(paramKey in triggerParms) {=0A= if(paramKey.substring(0,3) =3D=3D "cpp"){=0A= fullURL +=3D "&"+ paramKey + "=3D" + = escape(triggerParms[paramKey]);=0A= }=0A= }=0A= if (triggerParms["rso"] !=3D 1) {=0A= if(triggerParms["npc"] =3D=3D 1) {=0A= ForeCStdSetCookie(ckAlreadyShown, = 'true',null,'/',triggerParms["domain"]);=0A= siteInvited('Foresee');=0A= } else {=0A= ForeCStdSetCookie(ckAlreadyShown, 'true', = persistentExpires,'/',triggerParms["domain"]);=0A= siteInvited('Foresee');=0A= }=0A= }=0A= =0A= /*for AOL and Opera users - show DHTML (by default) because = their PopupBlocker behaves differently*/=0A= if (fsr_aol=3D=3Dfalse && fsr_opera=3D=3Dfalse) {=0A= if (triggerParms["displayMode"]=3D=3D1 || = triggerParms["displayMode"]=3D=3D2){ =0A= myPopUp =3D window.open(fullURL, 'survey',winOptions);=0A= }=0A= } =0A= =0A= /** detect flash with valid browser and player version**/=0A= if (!fsr_mac && (fsr_browser !=3D "fsr_nn") && isValidFlash() && = triggerParms["displayMode"] !=3D2) {=0A= document.write("
"=0A= + "
");=0A= =0A= /*DC I/II verification*/=0A= if (triggerParms["rso"] =3D=3D 1) {=0A= dcQString =3D "rso=3D1&rct=3D" + triggerParms["rct"] + "&rds=3D" = + triggerParms["rds"] + "&mrd=3D" + triggerParms["mrd"] + "&rws=3D" + = triggerParms["rw"];=0A= if(triggerParms["dcUniqueId"]!=3Dnull) { dcQString +=3D = "&dcUniqueId=3D" + specialEscape(escape(triggerParms["dcUniqueId"])); }=0A= }=0A= if ((triggerParms["midexp"] ) !=3D null) {=0A= dcQString =3D "ndc=3D1&midexp=3D" + triggerParms["midexp"] + = "&mid=3D" + specialEscape(escape(triggerParms["mid"]));=0A= if(triggerParms["dcUniqueId"]!=3Dnull) { dcQString +=3D = "&dcUniqueId=3D" + specialEscape(escape(triggerParms["dcUniqueId"])); }=0A= } =0A= =0A= /*Failover Check*/=0A= surveyProcessCont =3D 1; =0A= newDt =3D new Date();=0A= currTime=3D newDt.getTime(); /*in millisecs*/=0A= OTCImg =3D new Image();=0A= OTCImg.src =3D null;=0A= OTCImg.onerror =3D otcErrorProc;=0A= OTCImg.onload =3D otcOnloadProc;=0A= OTCImg.src =3D OTCImgURL + "?protocol=3D" + = window.location.protocol + "&uid=3D"+ currTime; /*for NE/FF Cache Fix*/=0A= }=0A= =0A= if(myPopUp !=3D null && !myPopUp.closed) {=0A= if (triggerParms["pu"] =3D=3D 1){ self.focus(); }=0A= else { myPopUp.focus();}=0A= }=0A= } =0A= }=0A= } =0A= pageCount++;=0A= ForeCStdSetCookie(ckLoyaltyCount, pageCount, = null,'/',triggerParms["domain"]); =0A= }=0A= }=0A= Poll();=0A= ------=_NextPart_000_0000_01CC21C5.B377D270--