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document.write('<p class="rss-title"><a class="rss-title" href="http://www.washingtonpost.com/wp-dyn/content/business/personalfinance/index.html?wprss=rss_business/personalfinance" target="_blank">Wash Post Personal Finance</a><br /><span class="rss-item">The Washington Post Personal Finance section provides news and advice on personal finance news such as investing,real estate,autos,retirement planning,taxes,college savings and much more.</span></p>');
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document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=26b90a3d111fa8d859d58ebd32ef184b" title=" Q What\'s the fastest way to boost my credit score? For most people, the fastest way to improve your credit score is to pay down your credit card balances. About one-third of your FICO score (the score most lenders use) is based on your credit-utilizatio..." target="_blank"> Fast ways to improve your credit score </a><br />');
document.write('<span class="rss-date">published on Sun, 04 Jul 2010 00:00:00 EDT</span><br />');
document.write(' Q What\'s the fastest way to boost my credit score? For most people, the fastest way to improve your credit score is to pay down your credit card balances. About one-third of your FICO score (the score most lenders use) is based on your credit-utilization ratio, which is the total of your credit c...       Business - Financial Services - Credit score - Credit card - Credit history');
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document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=86f76a01914b1303e66b36f90560c673" title=" In my online discussions I frequently get questions from couples facing financial issues.       Math - Money Management - Home - Personal Finance - Open Problems..." target="_blank"> Tips for couples to help solve money problems </a><br />');
document.write('<span class="rss-date">published on Sun, 04 Jul 2010 00:00:00 EDT</span><br />');
document.write(' In my online discussions I frequently get questions from couples facing financial issues.       Math - Money Management - Home - Personal Finance - Open Problems');
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document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=9ec8ab951bb57702613114e72c141a6a" title=" NEW YORK -- Almost half of U.S. companies that reduced or suspended their contributions to employee retirement plans during the recession haven\'t restored them, according to Towers Watson.       401(k) - Pension - United States - Employment - Business a..." target="_blank"> Half of firms have yet to restore 401(k) match, poll finds </a><br />');
document.write('<span class="rss-date">published on Sun, 04 Jul 2010 00:00:00 EDT</span><br />');
document.write(' NEW YORK -- Almost half of U.S. companies that reduced or suspended their contributions to employee retirement plans during the recession haven\'t restored them, according to Towers Watson.       401(k) - Pension - United States - Employment - Business and Economy');
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document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=70bcf055e263628d5b700defe9a7a88f" title=" WASHINGTON -- Congress seems increasingly reluctant to let taxes go up, even on wealthier Americans.         Business - Politics - Small Business - Business Plans - Young Buck..." target="_blank"> More Dems buck plan to let taxes increase for rich </a><br />');
document.write('<span class="rss-date">published on Thu, 02 Sep 2010 19:37:30 EDT</span><br />');
document.write(' WASHINGTON -- Congress seems increasingly reluctant to let taxes go up, even on wealthier Americans.         Business - Politics - Small Business - Business Plans - Young Buck');
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document.write('<li class="rss-item"><a class="rss-item" href="http://ads.pheedo.com/click.phdo?s=70bcf055e263628d5b700defe9a7a88f&p=4" title="..." target="_blank">Featured Advertiser</a><br />');
document.write('<span class="rss-date">published on Thu, 02 Sep 2010 19:37:30 EDT</span><br />');
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document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=47e823658198945d83f39baf1205a411" title=" NEW YORK -- The developers planning to build a $100 million Islamic center near the World Trade Center site still have financial hurdles to clear: They haven\'t finished buying all the property they want for the project and are nearly a quarter-million d..." target="_blank"> Builders of NYC mosque face financial hurdles </a><br />');
document.write('<span class="rss-date">published on Thu, 02 Sep 2010 19:04:48 EDT</span><br />');
document.write(' NEW YORK -- The developers planning to build a $100 million Islamic center near the World Trade Center site still have financial hurdles to clear: They haven\'t finished buying all the property they want for the project and are nearly a quarter-million dollars behind on real estate taxes and late...       Arts - Islam - Religious - Architecture - Islamic');
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document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=fb19f0b57ebb1c8d710809a3e1baf809" title=" Whether the struggle is saving for retirement, organizing your bank files, or talking about money responsibility with your spouse or loved one, Post personal finance columnist Michelle Singletary offers her advice and answers your questions.       Color ..." target="_blank"> Color of Money Live </a><br />');
document.write('<span class="rss-date">published on Thu, 02 Sep 2010 12:00:00 EDT</span><br />');
document.write(' Whether the struggle is saving for retirement, organizing your bank files, or talking about money responsibility with your spouse or loved one, Post personal finance columnist Michelle Singletary offers her advice and answers your questions.       Color - Graphics - ColorPicker - Social Sciences - Psychology');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=3dfe6fed0077179d18bb371cf6868b78" title=" WASHINGTON -- Mortgage rates fell to the lowest level in decades for the tenth time in 11 weeks, as investors worried about the economy.       Business - Mortgage - United States - Financial Services - Mortgage loan..." target="_blank"> Mortgage rates hit decades-low of 4.32 percent </a><br />');
document.write('<span class="rss-date">published on Thu, 02 Sep 2010 10:27:42 EDT</span><br />');
document.write(' WASHINGTON -- Mortgage rates fell to the lowest level in decades for the tenth time in 11 weeks, as investors worried about the economy.       Business - Mortgage - United States - Financial Services - Mortgage loan');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=c684370dcbbe3c70c2a4fa4463b34faf" title=" I love reading the Ask Amy column. The syndicated columnist gives witty and straightforward responses to a wide variety of questions from her readers. In one of her recent columns, I was cheering the advice she gave to a woman complaining about money tha..." target="_blank"> Personal Finance: What about me? </a><br />');
document.write('<span class="rss-date">published on Thu, 02 Sep 2010 11:47:40 EDT</span><br />');
document.write(' I love reading the Ask Amy column. The syndicated columnist gives witty and straightforward responses to a wide variety of questions from her readers. In one of her recent columns, I was cheering the advice she gave to a woman complaining about money that was given to her sister by the sister\'s i...         Personal finance - Finance - Home - Money Management - Financial services');
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document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=76d19024b4bcf4cad1bf7d01fc7a826c" title=" Fannie Mae, Freddie Mac and Ginnie Mae bonds tied to home loans returned 34 basis points, or 0.34 percentage point, less than U.S. debt last month, Barclays Capital indexes show. Fannie Mae\'s 6.5 percent bonds maturing in about 24 years fell 0.75 cent l..." target="_blank"> Mortgage Bonds Lose Ground With Home Refi Boom: Credit Markets </a><br />');
document.write('<span class="rss-date">published on Wed, 01 Sep 2010 14:31:02 EDT</span><br />');
document.write(' Fannie Mae, Freddie Mac and Ginnie Mae bonds tied to home loans returned 34 basis points, or 0.34 percentage point, less than U.S. debt last month, Barclays Capital indexes show. Fannie Mae\'s 6.5 percent bonds maturing in about 24 years fell 0.75 cent last month to 108.9 cents on the dollar as 4.5...       Business - Investing - Dot-com bubble - Mutual fund - Funds');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=9d53806ac28024b9ab0d83a558cf1adb" title=" -- Federal retirement:  http://opm.gov/retire/tools/calculators/ballpark/menu.asp This calculator projects retirement benefits under federal retirement systems. It also has links for calculating how much of an annuity will be tax-free and how much tax to..." target="_blank"> Online federal benefits calculators </a><br />');
document.write('<span class="rss-date">published on Tue, 31 Aug 2010 00:00:00 EDT</span><br />');
document.write(' -- Federal retirement:  http://opm.gov/retire/tools/calculators/ballpark/menu.asp This calculator projects retirement benefits under federal retirement systems. It also has links for calculating how much of an annuity will be tax-free and how much tax to have withheld.       Calculator - Units of Measurement - United States - Business - Online Calculators');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=5d3bcf01d09ff41dc97a8d8834256779" title=" In the clash of the two largest U.S. brokerages, Bank of America Corp.\'s Merrill Lynch is generating more profit with fewer people than the business Morgan Stanley formed by buying a controlling stake in a venture with Citigroup Inc.\'s Smith Barney.   ..." target="_blank"> Merrill mauls Morgan Stanley in clash of U.S. brokerage titans </a><br />');
document.write('<span class="rss-date">published on Mon, 30 Aug 2010 07:58:00 EDT</span><br />');
document.write(' In the clash of the two largest U.S. brokerages, Bank of America Corp.\'s Merrill Lynch is generating more profit with fewer people than the business Morgan Stanley formed by buying a controlling stake in a venture with Citigroup Inc.\'s Smith Barney.       Morgan Stanley - Morgan - Recreation - Autos - United States');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=b634403c17b0ec6a8a0f757d7b317be1" title=" Perhaps nothing gets some people madder than if you trash their mama or dare to talk about Social Security.         Ponzi scheme - Social Security - United States - Politics - Privatization..." target="_blank"> The Color of Money: It\'s unfair to call Social Security a Ponzi scheme </a><br />');
document.write('<span class="rss-date">published on Sun, 29 Aug 2010 00:00:00 EDT</span><br />');
document.write(' Perhaps nothing gets some people madder than if you trash their mama or dare to talk about Social Security.         Ponzi scheme - Social Security - United States - Politics - Privatization');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=6446fb693b2036f0722d11d2297e24d3" title=" A little-known strategy that allows Social Security recipients to boost their income by repaying benefits received in earlier years and then claiming a bigger monthly check based on their greater age may soon disappear. The Social Security Administration..." target="_blank"> Social Security payback option may disappear </a><br />');
document.write('<span class="rss-date">published on Sun, 29 Aug 2010 00:00:00 EDT</span><br />');
document.write(' A little-known strategy that allows Social Security recipients to boost their income by repaying benefits received in earlier years and then claiming a bigger monthly check based on their greater age may soon disappear. The Social Security Administration (SSA) is moving to eliminate the do-over...       Social Security - United States - Politics - Law - Privatization');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=365b87f525b58f325986075fb2ba9f6f" title=" In this era of high unemployment, flat home prices and do-it-yourself retirement savings, some traditional rules of saving and investing are due for an overhaul.       Games - Card Games - Home - Personal Finance - Money Management..." target="_blank"> New rules for your money </a><br />');
document.write('<span class="rss-date">published on Sun, 29 Aug 2010 00:00:00 EDT</span><br />');
document.write(' In this era of high unemployment, flat home prices and do-it-yourself retirement savings, some traditional rules of saving and investing are due for an overhaul.       Games - Card Games - Home - Personal Finance - Money Management');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=a2daf96b5c6bdcf5d1544e4610c70ebb" title=" NEW YORK -- It\'s easy to overlook the cost of auto loans with mortgage rates grabbing all the attention.       Refinancing - United States - Financial Services - Business - Loan..." target="_blank"> Refinancing? Rates on auto loans are falling, too. </a><br />');
document.write('<span class="rss-date">published on Sun, 29 Aug 2010 00:00:00 EDT</span><br />');
document.write(' NEW YORK -- It\'s easy to overlook the cost of auto loans with mortgage rates grabbing all the attention.       Refinancing - United States - Financial Services - Business - Loan');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=79b011b8e70a80f7ca2de4126e2f5dc1" title=" Despite earlier reports to the contrary, it turns out that your mortgage lender will not have to pull a second full credit report on you hours before closing on your home purchase or refinancing.         Credit score - Business - Financial Services - Mor..." target="_blank"> Lenders won\'t have to run a second full credit check before closing on mortgage </a><br />');
document.write('<span class="rss-date">published on Sat, 28 Aug 2010 00:00:00 EDT</span><br />');
document.write(' Despite earlier reports to the contrary, it turns out that your mortgage lender will not have to pull a second full credit report on you hours before closing on your home purchase or refinancing.         Credit score - Business - Financial Services - Mortgage - United States');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=978a36f1fb9005c1d81eab2bceb4afdb" title=" Tina Lambert and her husband wanted an investment that would help them pay for their kids\' college tuition someday. When he insisted on paying $49,000 for a condominium in Ocean City in 1997, she worried. But by the middle of this decade, when housing m..." target="_blank"> In down economy, owning a vacation home may be more business than pleasure </a><br />');
document.write('<span class="rss-date">published on Sat, 28 Aug 2010 00:00:00 EDT</span><br />');
document.write(' Tina Lambert and her husband wanted an investment that would help them pay for their kids\' college tuition someday. When he insisted on paying $49,000 for a condominium in Ocean City in 1997, she worried. But by the middle of this decade, when housing markets were in full boom, the condo\'s value ...       Business - United States - Travel and Tourism - Lodging - Caribbean');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=f99b61f19fcf2b2503bc417efc821f38" title=" Q: My parents \"gifted\" their house to us more than five years ago to avoid having the home sold to pay for Medicaid expenses. Now they are 87 and need to move. They may buy a smaller house. My four siblings and I own the home, but the home is occupied ..." target="_blank"> Parents gifted them a house. Can they save on taxes by giving it back? </a><br />');
document.write('<span class="rss-date">published on Sat, 28 Aug 2010 00:00:00 EDT</span><br />');
document.write(' Q: My parents \"gifted\" their house to us more than five years ago to avoid having the home sold to pay for Medicaid expenses. Now they are 87 and need to move. They may buy a smaller house. My four siblings and I own the home, but the home is occupied and used by my parents. Since we inherited th...       Education - Gifted education - K through 12 - Special Needs - Organizations');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://ads.pheedo.com/click.phdo?s=f99b61f19fcf2b2503bc417efc821f38&p=4" title="..." target="_blank">Featured Advertiser</a><br />');
document.write('<span class="rss-date">published on Sat, 28 Aug 2010 00:00:00 EDT</span><br />');
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document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=587471d47f97066de2e540e025d07d83" title=" Homeowners who had mortgages modified recently are faring better than those who did so earlier in the housing crisis, according to a report released Tuesday, possibly debunking predictions of a huge wave of defaults to come.       Foreclosure - Business ..." target="_blank"> Mortgage modifications offer a bit of good news in the dour foreclosure market </a><br />');
document.write('<span class="rss-date">published on Sat, 28 Aug 2010 00:00:00 EDT</span><br />');
document.write(' Homeowners who had mortgages modified recently are faring better than those who did so earlier in the housing crisis, according to a report released Tuesday, possibly debunking predictions of a huge wave of defaults to come.       Foreclosure - Business - Mortgage - Mortgage loan - Real Estate');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=06881dac3a82b9bc74d9d4bc8ffa69a9" title=" Mortgage rates fell to the lowest level in decades for the ninth time in 10 weeks as concerns grow that the economy is weakening.         Unemployment - United States - Business - Financial Services - Mortgages..." target="_blank"> Mortgage rates continue to fall amid unemployment and economic woes </a><br />');
document.write('<span class="rss-date">published on Sat, 28 Aug 2010 00:00:00 EDT</span><br />');
document.write(' Mortgage rates fell to the lowest level in decades for the ninth time in 10 weeks as concerns grow that the economy is weakening.         Unemployment - United States - Business - Financial Services - Mortgages');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=5b0e30234a158031b18b671c6328c454" title=" WASHINGTON -- The government is about to confirm what many people have felt for some time: The economy barely has a pulse.       Economic - Trade - International - Social Sciences - Asia..." target="_blank"> Snapshot of economy about to get a lot bleaker </a><br />');
document.write('<span class="rss-date">published on Fri, 27 Aug 2010 02:18:09 EDT</span><br />');
document.write(' WASHINGTON -- The government is about to confirm what many people have felt for some time: The economy barely has a pulse.       Economic - Trade - International - Social Sciences - Asia');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=c3bc40376ec68c98f858469a42b8696c" title=" IN NEW ORLEANS The massive government effort to repair the damage from Hurricane Katrina is fostering a stark divide as the state governments in Louisiana and Mississippi structured the rebuilding programs in ways that often offered the most help to the ..." target="_blank"> Uneven Katrina recovery efforts often offered the most help to the most affluent </a><br />');
document.write('<span class="rss-date">published on Fri, 27 Aug 2010 00:12:00 EDT</span><br />');
document.write(' IN NEW ORLEANS The massive government effort to repair the damage from Hurricane Katrina is fostering a stark divide as the state governments in Louisiana and Mississippi structured the rebuilding programs in ways that often offered the most help to the most affluent residents.       Hurricane Katrina - Earth Sciences - Meteorology - Atmospheric Sciences - Weather Phenomena');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=3870e78eb927fe16926ad9ad786bfc9b" title=" A report Thursday by the federal regulator overseeing Fannie Mae and Freddie Mac put a new wrinkle in a common explanation for why the mortgage giants collapsed and could complicate efforts to restructure them.       Fannie Mae - Freddie Mac - United Sta..." target="_blank"> Report on Fannie, Freddie gives new theory for collapse </a><br />');
document.write('<span class="rss-date">published on Thu, 26 Aug 2010 22:12:01 EDT</span><br />');
document.write(' A report Thursday by the federal regulator overseeing Fannie Mae and Freddie Mac put a new wrinkle in a common explanation for why the mortgage giants collapsed and could complicate efforts to restructure them.       Fannie Mae - Freddie Mac - United States - Mortgage loan - Real estate');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=097ad19852f0805e29386f5225f892a0" title=" Foreclosures and late payments on home mortgages dropped slightly  in the second quarter of this year, but sustained high unemployment and a stalled economic recovery could make the improvement short-lived.         Foreclosure - Mortgage Bankers Associat..." target="_blank"> Foreclosures, delinquencies drop but may climb again </a><br />');
document.write('<span class="rss-date">published on Thu, 26 Aug 2010 18:37:01 EDT</span><br />');
document.write(' Foreclosures and late payments on home mortgages dropped slightly  in the second quarter of this year, but sustained high unemployment and a stalled economic recovery could make the improvement short-lived.         Foreclosure - Mortgage Bankers Association - Loan - Mortgage loan - Business');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=455fe0f3c18a2befab0283490b971886" title=" LOS ANGELES -- Foreclosures are helping to thin the ranks of U.S. homes with mortgages that exceed what the properties are worth, new data shows.       Real estate - Recreation - United States - Business - Scuba Diving..." target="_blank"> Number of underwater mortgages in US fell in 2Q </a><br />');
document.write('<span class="rss-date">published on Thu, 26 Aug 2010 17:11:17 EDT</span><br />');
document.write(' LOS ANGELES -- Foreclosures are helping to thin the ranks of U.S. homes with mortgages that exceed what the properties are worth, new data shows.       Real estate - Recreation - United States - Business - Scuba Diving');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=bf820240defe6fdd298ad8ebde42f026" title=" NEW YORK -- Mortgage rates fell to the lowest level in decades for the ninth time in 10 weeks, as concerns grow that the economy is weakening.       Business - Financial Services - United States - Mortgages - Loan..." target="_blank"> Mortgage rates hit low of 4.36 percent </a><br />');
document.write('<span class="rss-date">published on Thu, 26 Aug 2010 10:45:46 EDT</span><br />');
document.write(' NEW YORK -- Mortgage rates fell to the lowest level in decades for the ninth time in 10 weeks, as concerns grow that the economy is weakening.       Business - Financial Services - United States - Mortgages - Loan');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=07a5f86f36faf21346cb0f90d10dd8b8" title=" WASHINGTON -- One in 10 American households with a mortgage was at risk of foreclosure this summer as the government\'s efforts to help have had little impact stemming the housing crisis.       Foreclosure - Business - Real estate - Investing - United St..." target="_blank"> One in 10 with a mortgage face foreclosure </a><br />');
document.write('<span class="rss-date">published on Thu, 26 Aug 2010 10:43:36 EDT</span><br />');
document.write(' WASHINGTON -- One in 10 American households with a mortgage was at risk of foreclosure this summer as the government\'s efforts to help have had little impact stemming the housing crisis.       Foreclosure - Business - Real estate - Investing - United States');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=9457ec11baf70b5d0468743e1ed568a1" title=" I\'ve often told future brides and grooms who were having second thoughts about their nuptials - mostly because of financial differences - to take the financial hit and cancel the wedding if they can\'t find a way to handle the issues. Better to suffer t..." target="_blank"> Personal Finance: Rhee and Johnson tell their wedding guests to stay home </a><br />');
document.write('<span class="rss-date">published on Thu, 26 Aug 2010 09:54:12 EDT</span><br />');
document.write(' I\'ve often told future brides and grooms who were having second thoughts about their nuptials - mostly because of financial differences - to take the financial hit and cancel the wedding if they can\'t find a way to handle the issues. Better to suffer the financial loss of a canceled wedding now r...         Family - Johnson - Michelle Rhee - Kevin Johnson - Mayor');
document.write('</li>');
document.write('<li class="rss-item"><a class="rss-item" href="http://feeds.washingtonpost.com/click.phdo?i=0bd21c8239066a83c90cdca1246923bc" title=" I have my own spin to put on the news that sales of existing homes plunged 27 percent in July: Stop thinking of your home as your cash cow.       Net worth - Programming - Component Frameworks - NET - Tools..." target="_blank"> Equity in your home doesn\'t translate to net worth </a><br />');
document.write('<span class="rss-date">published on Wed, 25 Aug 2010 20:32:02 EDT</span><br />');
document.write(' I have my own spin to put on the news that sales of existing homes plunged 27 percent in July: Stop thinking of your home as your cash cow.       Net worth - Programming - Component Frameworks - NET - Tools');
document.write('</li>');
document.write('</ul></div>');