function disclaimer() 
{
    var txt = "<TABLE BORDER=0 CELLPADDING=0 CELLSPACING=0>" +
"<tr><TD align='center'><b><center><h2>IMPORTANT!</h2></center></td></tr>" + 

"<tr> <td align='left' ><b>What the lawyers make us say (disclaimer)</b>:The above is presented for educational and/or" +
" entertainment purposes only. Under no circumstances should it be mistaken for professional" +
" investment advice, nor is it at all intended to be taken as such. The commentary" +
" and other contents simply reflect the opinion of the authors alone on the current and future status of the" +
" markets and various economies. It is subject to error and change without notice." +
"The presence of a link to a website does not indicate approval or endorsement of that web site or any " + 
"services, products, or opinions that may be offered by them. </TD></tr>" +

"<tr><TD align='left'><br>Neither the information nor any opinion expressed constitutes a" +
" solicitation to buy or sell any securities nor investments.  Do NOT ever purchase" +
" any security or investment without doing your own and sufficient research. None" + 
" of the parties adding to or affecting the content of nowandfutures.com in any way shall have any" +
" liability for any loss sustained by anyone who has relied on the information contained herein." +
" Neither Nowandfutures.com nor any of its principals or contributors are under any obligation" + 
" to update or keep current the information contained herein." +
" The principals and related parties of nowandfutures.com may at times have positions in the" +
" securities or investments referred to and may make purchases or sales of these securities" +
" and investments while this site is live. The analysis contained is" +
" based on both technical and fundamental research.  Although the information contained is derived from " + 
" sources which are believed to be reliable, they cannot be guaranteed. </TD></TR>" +
"<tr><TD align='left'><br>Lastly, the predictions and forecasts shown on this site are all " +
" based on publicly available data from official government sources, the <a href='glossary.html#fed' >Federal Reserve " +
" System</a>, other central banks and international organizations like the <a href='glossary.html#imf' >IMF</a>.</TD></TR>" +
"<TR><TD>" +
"<br><b>Disclosure</b> We accept no advertising or compensation, and have no material connection to any products, brands, topics or companies mentioned anywhere on the site."+
"</TD></TR>" +
                  "</TABLE>";
 
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}