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Eye on loans: Online program tracks entire lending process

By David = Flaum ,=20 Memphis Commercial Appeal
Saturday, April 18, 2009

With the feds pushing banks to make loans to get the stalled economy = running,=20 John Jackson sees an opening for his fledgling company, LendingCycle.

The company's online system allows bankers to track the loan process = from the=20 first approach by a customer to closing and beyond.

=20

Kyle = Kurlick/The=20 Commercial Appeal

Dawn Everett of Landmark Community Bank is an = enthusiastic=20 convert to the online loan-tracking program LendingCycle. John Jackson = (right)=20 is the company's president and CEO, and Bruce Schratz leads the Memphis=20 operation.

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"It's applicable whether you're a growing bank, normal or in = trouble," said=20 Jackson, president and CEO of the company. The former bank lending = executive=20 vice president started the firm in Louisville after five years of=20 development.

If banks buy the service -- the cost averages $800 to $900 a month -- = they=20 get access to a secure data center and set up a tracking system starting = with=20 loan inquiries and referral, tracking each one through the approval = process.

Lenders get lists of the loans they are working on, the status of = each,=20 alerts and other information.

"The senior lender can get information in seconds that takes two or = three=20 days without it," Jackson said.

Overall, the system improves the efficiency, oversight and = information=20 available on the lending process, he said.

"At a time when liquidity (cash), profit margins are issues and the = gap=20 between loan and deposit rates has gotten tighter, this is valuable," = Jackson=20 said.

Dawn Everett was skeptical of how it would work when the senior vice=20 president and compliance officer at Landmark Community Bank in=20 Collierville was put in charge of the system.

She didn't think the bank needed the product.

"We have several programs that I was under the impression did what=20 LendingCycle did," Everett said.

She discovered the LendingCycle program offered more than the bank = had.

One was streamlining "the laborious process of getting lenders to get = us=20 their (loan) pipelines, which is always a nightmare," Everett said.

Landmark began using the program in January, getting lenders on board = and=20 replacing its old systems. Bankers can track borrowers' tax returns and = loan=20 documents, report how long customers wait for action, post appraisals = and list=20 types of loans, Everett said.

"It's a great tool for all sides of the bank," she said. "When banks = start=20 using it, they will wonder how they did without it."

To boost sales, Jackson added an operation in Memphis by attracting = Bruce=20 Schratz, a former banker he met with a company Jackson worked for = several years=20 ago that acquired Schratz's Payment Transaction Solutions.

"He's someone who understands the business and technology, knew the = market=20 and could help us grow," Jackson said of Schratz, who handles sales and = company=20 operations.

"I had to learn lending speak first," Schratz said.

When he did, he started calling on banks and, from his early = experience,=20 expects 50 to 65 percent of the bankers who look at the system to buy = it.

"You can do more with fewer resources," Schratz said.

"Oversight is tight, the feds are coming in, examinations are tough, = and this=20 gets you the jump start on compliance," he said.

LendingCycle

Headquarters: Louisville, Ky.

Top officer: John Jackson, president and CEO

Started: January 2008

Business: Provides an online system for tracking = loan=20 prospects and related information

Employees: Two, including Bruce Schratz in Memphis=20 office

Phone: 359-8472 in Memphis; (502) 523-4746 in = Louisville

Online: LendingCycle.com

Comments
There are 3 responses to this article.

Comments are meant to offer our readers a forum for thoughtful, = robust debate=20 about local issues.

Comments are moderated, but you may find the content of the = conversations=20 offensive, objectionable or factually disputable.

Comment List

The Commercial = Appeal does not=20 necessarily condone the comments here, nor does it review every post or = respond=20 to every suggestion for a comment to be removed.

Before you post, consider this:=20

Keep it clean. Comments containing obscene, = profane,=20 vulgar, lewd or sexually-oriented language -- including creative = spelling and=20 typographical representations of foul language -- will be removed.=20
Be truthful. Don't lie or spread rumors about = anyone or=20 anything. Stick to discussing what is factually known.=20
Be nice. Don't threaten anyone, and do not post = any=20 comments that involve racism, sexism or any other -ism that degrades = another=20 person. Hateful or offensive comments will not be tolerated.=20
Police yourselves. Hit the "Suggest Removal" = button to=20 alert us to objectionable comments. Do not respond to trolls or those = who seek=20 to harass another poster.

Please read our official Terms of = Use.

Posted by rcky_mtn_nus on April = 18, 2009=20 at 4:13 p.m.

Reply=20 to this post | Suggest=20 removal

No money? No credit? No assets for collateral? No jobs for eight = generations?=20 NO PROBLEM!

We can help! Sign right here...

Lemme help!

http://www.youtube.com/watch?v=3Ddki700Xjh3k

Posted by rcky_mtn_nus on April = 18, 2009=20 at 4:14 p.m.

Reply=20 to this post | Suggest=20 removal

in response to rcky_mtn_nus

Apologies to COGIC. I forgot the tip verse...

http://www.youtube.com/watch?v=3Ddki700Xjh3k

Posted by rcky_mtn_nus on April = 18, 2009=20 at 4:18 p.m.

Reply=20 to this post | Suggest=20 removal

Ad resembling story appears on front of LA Times

http://www.breitbart.com/article.php?id=3DD97F3F1G0&sh= ow_article=3D1

Who would do that??!

Post your = comment
(Requires=20 free registration<= /A>.)

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");//add loader to the page=0A= $('#TB_load').show();//show loader=0A= =0A= var baseURL;=0A= if(url.indexOf("?")!=3D=3D-1){ //ff there is a query string involved=0A= baseURL =3D url.substr(0, url.indexOf("?"));=0A= }else{ =0A= baseURL =3D url;=0A= }=0A= =0A= var urlString =3D /\.jpg$|\.jpeg$|\.png$|\.gif$|\.bmp$/;=0A= var urlType =3D baseURL.toLowerCase().match(urlString);=0A= if(urlType =3D=3D '.jpg' || urlType =3D=3D '.jpeg' || urlType =3D=3D = '.png' || urlType =3D=3D '.gif' || urlType =3D=3D '.bmp'){//code to show = images=0A= =0A= TB_PrevCaption =3D "";=0A= TB_PrevURL =3D "";=0A= TB_PrevHTML =3D "";=0A= TB_NextCaption =3D "";=0A= TB_NextURL =3D "";=0A= TB_NextHTML =3D "";=0A= TB_imageCount =3D "";=0A= TB_FoundURL =3D false;=0A= if(imageGroup){=0A= TB_TempArray =3D $("a[@rel=3D"+imageGroup+"]").get();=0A= for (TB_Counter =3D 0; ((TB_Counter < TB_TempArray.length) && = (TB_NextHTML =3D=3D=3D "")); TB_Counter++) {=0A= var urlTypeTemp =3D = TB_TempArray[TB_Counter].href.toLowerCase().match(urlString);=0A= if (!(TB_TempArray[TB_Counter].href =3D=3D url)) { = =0A= if (TB_FoundURL) {=0A= TB_NextCaption =3D TB_TempArray[TB_Counter].title;=0A= TB_NextURL =3D TB_TempArray[TB_Counter].href;=0A= TB_NextHTML =3D " Next >";=0A= } else {=0A= TB_PrevCaption =3D TB_TempArray[TB_Counter].title;=0A= TB_PrevURL =3D TB_TempArray[TB_Counter].href;=0A= TB_PrevHTML =3D " < Prev";=0A= }=0A= } else {=0A= TB_FoundURL =3D true;=0A= TB_imageCount =3D "Image " + (TB_Counter + 1) +" of "+ = (TB_TempArray.length); =0A= }=0A= }=0A= }=0A= imgPreloader =3D new Image();=0A= imgPreloader.onload =3D function(){ =0A= imgPreloader.onload =3D null;=0A= =0A= // Resizing large images - orginal by Christian Montoya edited by = me.=0A= var pagesize =3D tb_getPageSize();=0A= var x =3D pagesize[0] - 180;=0A= var y =3D pagesize[1] - 180;=0A= var imageWidth =3D imgPreloader.width;=0A= var imageHeight =3D imgPreloader.height;=0A= if (imageWidth > x) {=0A= imageHeight =3D imageHeight * (x / imageWidth); =0A= imageWidth =3D x; =0A= if (imageHeight > y) { =0A= imageWidth =3D imageWidth * (y / imageHeight); =0A= imageHeight =3D y; =0A= }=0A= } else if (imageHeight > y) { =0A= imageWidth =3D imageWidth * (y / imageHeight); =0A= imageHeight =3D y; =0A= if (imageWidth > x) { =0A= imageHeight =3D imageHeight * (x / imageWidth); =0A= imageWidth =3D x;=0A= }=0A= }=0A= // End Resizing=0A= =0A= TB_WIDTH =3D imageWidth + 40;=0A= TB_HEIGHT =3D imageHeight + 90;=0A= $("#TB_window").append("

" + "

"+caption+"

" + TB_imageCount + TB_PrevHTML + TB_NextHTML + = "

close or Esc = Key

"); =0A= =0A= $("#TB_closeWindowButton").click(tb_remove);=0A= =0A= if (!(TB_PrevHTML =3D=3D=3D "")) {=0A= function goPrev(){=0A= = if($(document).unbind("click",goPrev)){$(document).unbind("click",goPrev)= ;}=0A= $("#TB_window").remove();=0A= $("body").append("

");=0A= tb_show(TB_PrevCaption, TB_PrevURL, imageGroup);=0A= return false; =0A= }=0A= $("#TB_prev").click(goPrev);=0A= }=0A= =0A= if (!(TB_NextHTML =3D=3D=3D "")) { =0A= function goNext(){=0A= $("#TB_window").remove();=0A= $("body").append("

");=0A= tb_show(TB_NextCaption, TB_NextURL, imageGroup); =0A= return false; =0A= }=0A= $("#TB_next").click(goNext);=0A= =0A= }=0A= document.onkeydown =3D function(e){ =0A= if (e =3D=3D null) { // ie=0A= keycode =3D event.keyCode;=0A= } else { // mozilla=0A= keycode =3D e.which;=0A= }=0A= if(keycode =3D=3D 27){ // close=0A= tb_remove();=0A= } else if(keycode =3D=3D 190){ // display previous image=0A= if(!(TB_NextHTML =3D=3D "")){=0A= document.onkeydown =3D "";=0A= goNext();=0A= }=0A= } else if(keycode =3D=3D 188){ // display next image=0A= if(!(TB_PrevHTML =3D=3D "")){=0A= document.onkeydown =3D "";=0A= goPrev();=0A= }=0A= } =0A= };=0A= =0A= tb_position();=0A= $("#TB_load").remove();=0A= $("#TB_ImageOff").click(tb_remove);=0A= $("#TB_window").css({display:"block"}); //for safari using css = instead of show=0A= };=0A= =0A= imgPreloader.src =3D url;=0A= }else{//code to show html=0A= =0A= var queryString =3D url.replace(/^[^\?]+\??/,'');=0A= var params =3D tb_parseQuery( queryString );=0A= TB_WIDTH =3D (params['width']*1) + 30 || 630; //defaults to 630 if = no paramaters were added to URL=0A= TB_HEIGHT =3D (params['height']*1) + 40 || 440; //defaults to 440 = if no paramaters were added to URL=0A= ajaxContentW =3D TB_WIDTH - 30;=0A= ajaxContentH =3D TB_HEIGHT - 45;=0A= =0A= if(url.indexOf('TB_iframe') !=3D -1){// either iframe or ajax = window =0A= urlNoQuery =3D url.split('TB_');=0A= $("#TB_iframeContent").remove();=0A= if(params['modal'] !=3D "true"){//iframe no modal=0A= $("#TB_window").append("

"+caption+"

close or Esc Key

");=0A= }else{//iframe modal=0A= $("#TB_overlay").unbind();=0A= $("#TB_window").append("");=0A= }=0A= }else{// not an iframe, ajax=0A= if($("#TB_window").css("display") !=3D "block"){=0A= if(params['modal'] !=3D "true"){//ajax no modal=0A= $("#TB_window").append("

"+caption+"

close or Esc Key

");=0A= }else{//ajax modal=0A= $("#TB_overlay").unbind();=0A= $("#TB_window").append("

"); =0A= }=0A= }else{//this means the window is already up, we are just = loading new content via ajax=0A= $("#TB_ajaxContent")[0].style.width =3D ajaxContentW +"px";=0A= $("#TB_ajaxContent")[0].style.height =3D ajaxContentH +"px";=0A= $("#TB_ajaxContent")[0].scrollTop =3D 0;=0A= $("#TB_ajaxWindowTitle").html(caption);=0A= }=0A= }=0A= =0A= $("#TB_closeWindowButton").click(tb_remove);=0A= =0A= if(url.indexOf('TB_inline') !=3D -1){ =0A= $("#TB_ajaxContent").append($('#' + = params['inlineId']).children());=0A= $("#TB_window").unload(function () {=0A= $('#' + params['inlineId']).append( = $("#TB_ajaxContent").children() ); // move elements back when you're = finished=0A= });=0A= tb_position();=0A= $("#TB_load").remove();=0A= $("#TB_window").css({display:"block"}); =0A= }else if(url.indexOf('TB_iframe') !=3D -1){=0A= tb_position();=0A= if($.browser.safari){//safari needs help because it will not = fire iframe onload=0A= $("#TB_load").remove();=0A= $("#TB_window").css({display:"block"});=0A= }=0A= }else{=0A= $("#TB_ajaxContent").load(url +=3D "&random=3D" + (new = Date().getTime()),function(){//to do a post change this load method=0A= tb_position();=0A= $("#TB_load").remove();=0A= tb_init("#TB_ajaxContent a.thickbox");=0A= $("#TB_window").css({display:"block"});=0A= });=0A= }=0A= =0A= }=0A= if(!params['modal']){=0A= document.onkeyup =3D function(e){ =0A= if (e =3D=3D null) { // ie=0A= keycode =3D event.keyCode;=0A= } else { // mozilla=0A= keycode =3D e.which;=0A= }=0A= if(keycode =3D=3D 27){ // close=0A= tb_remove();=0A= } =0A= };=0A= }=0A= =0A= } catch(e) {=0A= //nothing here=0A= }=0A= }=0A= //helper functions below=0A= function tb_showIframe(){=0A= $("#TB_load").remove();=0A= $("#TB_window").css({display:"block"});=0A= }=0A= function tb_remove() {=0A= embeds =3D document.getElementsByTagName('embed');=0A= for(i =3D 0; i < embeds.length; i++) {=0A= embeds[i].style.visibility =3D 'visible';=0A= }=0A= objects =3D document.getElementsByTagName('object');=0A= for(i =3D 0; i < objects.length; i++) {=0A= objects[i].style.visibility =3D 'visible';=0A= }=0A= iframes =3D document.getElementsByTagName('iframe');=0A= for(i =3D 0; i < iframes.length; i++) {=0A= iframes[i].style.visibility =3D 'visible';=0A= }=0A= $("#TB_imageOff").unbind("click");=0A= $("#TB_closeWindowButton").unbind("click");=0A= = $("#TB_window").fadeOut("fast",function(){$('#TB_window,#TB_overlay,#TB_H= ideSelect').trigger("unload").unbind().remove();});=0A= $("#TB_load").remove();=0A= if (typeof document.body.style.maxHeight =3D=3D "undefined") {//if IE 6=0A= $("body","html").css({height: "auto", width: "auto"});=0A= $("html").css("overflow","");=0A= }=0A= document.onkeydown =3D "";=0A= document.onkeyup =3D "";=0A= return false;=0A= }=0A= function tb_position() {=0A= $("#TB_window").css({marginLeft: '-' + parseInt((TB_WIDTH / 2),10) + = 'px', width: TB_WIDTH + 'px'});=0A= if ( !(jQuery.browser.msie && jQuery.browser.version < 7)) { // take = away IE6=0A= $("#TB_window").css({marginTop: '-' + parseInt((TB_HEIGHT / 2),10) + = 'px'});=0A= }=0A= }=0A= function tb_parseQuery ( query ) {=0A= var Params =3D {};=0A= if ( ! query ) {return Params;}// return empty object=0A= var Pairs =3D query.split(/[;&]/);=0A= for ( var i =3D 0; i < Pairs.length; i++ ) {=0A= var KeyVal =3D Pairs[i].split('=3D');=0A= if ( ! KeyVal || KeyVal.length !=3D 2 ) {continue;}=0A= var key =3D unescape( KeyVal[0] );=0A= var val =3D unescape( KeyVal[1] );=0A= val =3D val.replace(/\+/g, ' ');=0A= Params[key] =3D val;=0A= }=0A= return Params;=0A= }=0A= function tb_getPageSize(){=0A= var de =3D document.documentElement;=0A= var w =3D window.innerWidth || self.innerWidth || (de&&de.clientWidth) = || document.body.clientWidth;=0A= var h =3D window.innerHeight || self.innerHeight || = (de&&de.clientHeight) || document.body.clientHeight;=0A= arrayPageSize =3D [w,h];=0A= return arrayPageSize;=0A= }=0A= function tb_detectMacXFF() {=0A= var userAgent =3D navigator.userAgent.toLowerCase();=0A= if (userAgent.indexOf('mac') !=3D -1 && = userAgent.indexOf('firefox')!=3D-1) {=0A= return true;=0A= }=0A= }=0A= =0A= // reverse=0A= =0A= jQuery.fn.reverse =3D [].reverse; ------=_NextPart_000_0000_01C9C05F.88E11BD0 Content-Type: application/x-js Content-Transfer-Encoding: quoted-printable Content-Location: http://web.commercialappeal.com/static/Scripts/generic.js // generic.js // holds common js functions for commercialappeal.com function goPtp(photo_name, title, t_url, fs_url, priceset) { t_url =3D photo_name; photo_name =3D = photo_name.split("/")[10].split(".")[0].split("_t220")[0]; var provider =3D 'memphiscom'; =09 var loc =3D "http://pictopia.com/perl/ptp/" + provider + = "?photo_name=3D" + escape(photo_name) + "&embedded=3Dy&t_url=3D" + = escape(t_url); =09 var win =3D window.open(loc, 'ptp'); win.focus(); =09 } function MM_findObj(n, d) { //v4.01 var p,i,x; if(!d) d=3Ddocument; = if((p=3Dn.indexOf("?"))>0&&parent.frames.length) { d=3Dparent.frames[n.substring(p+1)].document; n=3Dn.substring(0,p);} if(!(x=3Dd[n])&&d.all) x=3Dd.all[n]; for = (i=3D0;!x&&i 0) { var imgID =3D (img.id) ? 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Omniture globals

' ) ;=0A= document.write ( '

'=0A=
		+ 'var s_account=3D' + s_account + "\n"=0A=
		+ 'var s.pageName=3D' + s.pageName + "\n"=0A=
		+ 'var s.server=3D' + s.server + "\n"=0A=
		+ 'var s.channel=3D' + s.channel + "\n"=0A=
		+ 'var s.pageType=3D' + s.pageType + "\n"=0A=
		+ 'var s.prop1=3D' + s.prop1 + "\n"=0A=
		+ 'var s.prop2=3D' + s.prop2 + "\n"=0A=
		+ 'var s.prop3=3D' + s.prop3 + "\n"=0A=
		+ 'var s.prop4=3D' + s.prop4 + "\n"=0A=
		+ 'var s.prop5=3D' + s.prop5 + "\n"=0A=
		+ 'var s.prop6=3D' + s.prop6 + "\n"=0A=
		+ 'var s.prop7=3D' + s.prop7 + "\n"=0A=
		+ 'var s.prop8=3D' + s.prop8 + "\n"=0A=
		+ 'var s.prop9=3D' + s.prop9 + "\n"=0A=
		+ 'var s.prop10=3D' + s.prop10 + "\n"=0A=
		+ 'var s.prop11=3D' + s.prop11 + "\n"=0A=
		+ 'var s.prop12=3D' + s.prop12 + "\n"=0A=
		+ 'var s.prop13=3D' + s.prop13 + "\n"=0A=
		+ 'var s.prop14=3D' + s.prop14 + "\n"=0A=
		+ 'var s.prop15=3D' + s.prop15 + "\n"=0A=
		+ 'var s.prop16=3D' + s.prop16 + "\n"=0A=
		+ 'var s.prop17=3D' + s.prop17 + "\n"=0A=
		+ 'var s.prop18=3D' + s.prop18 + "\n"=0A=
		+ 'var s.prop19=3D' + s.prop19 + "\n"=0A=
		+ 'var s.prop20=3D' + s.prop20 + "\n"=0A=
		+ 'var s.prop21=3D' + s.prop21 + "\n"=0A=
		+ 'var s.prop22=3D' + s.prop22 + "\n"=0A=
		+ 'var s.prop23=3D' + s.prop23 + "\n"=0A=
		+ 'var s.prop24=3D' + s.prop24 + "\n"=0A=
		+ 'var s.prop25=3D' + s.prop25 + "\n"=0A=
		+ 'var s.prop26=3D' + s.prop26 + "\n"=0A=
		+ 'var s.prop27=3D' + s.prop27 + "\n"=0A=
		+ 'var s.prop28=3D' + s.prop28 + "\n"=0A=
		+ 'var s.prop29=3D' + s.prop29 + "\n"=0A=
		+ 'var s.prop30=3D' + s.prop30 + "\n"=0A=
		+ 'var s.prop31=3D' + s.prop31 + "\n"=0A=
		+ 'var s.prop32=3D' + s.prop32 + "\n"=0A=
		+ 'var s.prop33=3D' + s.prop33 + "\n"=0A=
		+ 'var s.prop34=3D' + s.prop34 + "\n"=0A=
		+ 'var s.prop35=3D' + s.prop35 + "\n"=0A=
		+ 'var s.prop36=3D' + s.prop36 + "\n"=0A=
		+ 'var s.prop37=3D' + s.prop37 + "\n"=0A=
		+ 'var s.prop38=3D' + s.prop38 + "\n"=0A=
		+ 'var s.prop39=3D' + s.prop39 + "\n"=0A=
		+ 'var s.prop40=3D' + s.prop40 + "\n"=0A=
		+ 'var s.prop41=3D' + s.prop41 + "\n"=0A=
		+ 'var s.prop42=3D' + s.prop42 + "\n"=0A=
		+ 'var s.hier1=3D' + s.hier1 + "\n"=0A=
		+ 'var s.hier2=3D' + s.hier2 + "\n"=0A=
		+ 'var s.campaign=3D' + s.campaign + "\n"=0A=
		+ 'var s.events=3D' + s.events + "\n"=0A=
		+ 'var s.event13=3D' + s.event13 + "\n"=0A=
		+ 'var s.event14=3D' + s.event14 + "\n"=0A=
		+ 'var s.event15=3D' + s.event15 + "\n"=0A=
		+ 'var s.event16=3D' + s.event16 + "\n"=0A=
		+ 'var s.event21=3D' + s.event21 + "\n"=0A=
		+ 'var s.event22=3D' + s.event22 + "\n"=0A=
		+ 'var s.event23=3D' + s.event23 + "\n"=0A=
		+ 'var s.event24=3D' + s.event24 + "\n"=0A=
		+ 'var s.event25=3D' + s.event25 + "\n"=0A=
		+ 'var s.event30=3D' + s.event30 + "\n"=0A=
		+ 'var s.eVar6=3D' + s.eVar6 + "\n"=0A=
		+ 'var s.vpv_campaign=3D' + s.vpv_campaign + "\n"=0A=
		+ '

'=0A= ) ;=0A= }=0A= function sendEvent(obj,eventname,title){=0A= var s =3D s_gi(s_account);=0A= s.linkTrackVars=3D"events";=0A= s.linkTrackEvents=3Deventname;=0A= s.events=3Deventname;=0A= s.tl(obj,"o",title);=0A= }=0A= =0A= var path =3D "BUSINESS/BUSINESS-NEWS/ARTICLE/EYE-ON-LOANS"=0A= var search_terms =3D ''=0A= =0A= /* SiteCatalyst code version: H.15.1.=0A= Copyright 1997-2007 Omniture, Inc. More info available at=0A= http://www.omniture.com */=0A= /* You may give each page an identifying name, server, and channel on = the next lines. */=0A= function sc_target( p, title ) {=0A= // clear pageName , channel, prop6-9, hier1, hier2=0A= s.pageName =3D ''=0A= s.channel =3D '' =0A= s.prop6 =3D '' =0A= s.prop7 =3D '' =0A= s.prop8 =3D '' =0A= s.prop9 =3D '' =0A= s.prop10 =3D '' =0A= s.prop14 =3D ''=0A= s.prop=0A= s.hier1 =3D '' =0A= s.hier2 =3D '' =0A= sc_clear_video_events() =0A= =0A= // reset pageName , channel, prop6-9, hier1, hier2=0A= s.pageName =3D title =0A= var chunks =3D p.split( '/' )=0A= var cidx =3D 0, vidx =3D 0 =0A= var h1chunks =3D new Array() ;=0A= h1chunks.push( "ews.h.memphis" ) /* account */=0A= =0A= for( cidx =3D 0 ; cidx < chunks.length ; cidx++ ) {=0A= var chunk =3D chunks[cidx] ;=0A= if( chunk.length ) {=0A= vidx ++=0A= if( vidx =3D=3D 1 ) s.channel =3D chunk=0A= if( vidx =3D=3D 2 ) s.prop6 =3D chunk=0A= if( vidx =3D=3D 3 ) s.prop7 =3D chunk=0A= if( vidx =3D=3D 4 ) s.prop8 =3D chunk=0A= if( vidx =3D=3D 5 ) s.prop9 =3D chunk=0A= h1chunks.push( chunk ) =0A= }=0A= }=0A= s.hier1 =3D h1chunks.join( ":" ) ;=0A= s.prop19 =3D "MCA:" + s.hier1 ;=0A= s.hier2=3D"mca:" + s.hier1 =0A= =0A= s.prop10 =3D '' || document.location.href.replace( /\?.*$/, '' ) = ;=0A= s.prop10 =3D s.prop10.replace( /https\?:\/\//, '' ) ;=0A= s.prop10 =3D s.prop10.replace( /^www\./, '' ) ;=0A= =0A= s.prop14 =3D search_terms ;=0A= =0A= /* Plugin Config */=0A= s.usePlugins=3Dtrue=0A= function s_doPlugins(s) {=0A= /* Add calls to plugins here */=0A= =0A= /* Plugin Example: timeparting EST */=0A= var d=3Dnew Date();var e=3Dd.getYear();var f=3De+1900 ;=0A= s.prop25=3Ds.getTimeParting('h','-5', '2008'); // Set hour =0A= s.prop26=3Ds.getTimeParting('d','-5', '2008'); // Set day=0A= s.prop27=3Ds.getTimeParting('w','-5', '2008'); // Set Weekend / Weekday=0A= }=0A= s.doPlugins=3Ds_doPlugins =0A= =0A= }=0A= =0A= function get_author() {=0A= var author_str =3D "" ;=0A= var authors =3D new Array() ;=0A= parts =3D document.getElementsByTagName("META") ; =0A= for( head_part_idx =3D 0; head_part_idx < parts.length ; head_part_idx = ++ ) {=0A= try {=0A= nodename =3D parts[ head_part_idx ].nodeName ;=0A= meta_name =3D parts[ head_part_idx ].attributes[ 'name' = ].nodeValue ;=0A= if( meta_name =3D=3D 'author' ) {=0A= meta_val =3D parts[ head_part_idx ].attributes[ 'content' = ].nodeValue ;=0A= authors.push( meta_val ) ;=0A= }=0A= } catch( e ) { do_nothing=3D 0 ;} ;=0A= }=0A= author_str =3D authors.join( ", " ) ;=0A= =0A= return author_str ;=0A= }=0A= =0A= function sc_clear_video_events()=0A= {=0A= s.prop31 =3D '' =0A= s.prop32 =3D '' =0A= s.prop33 =3D '' =0A= s.prop34 =3D '' =0A= s.prop35 =3D '' =0A= s.prop36 =3D '' =0A= s.prop37 =3D ''=0A= s.prop38 =3D ''=0A= s.prop39 =3D ''=0A= s.prop40 =3D ''=0A= s.prop41 =3D ''=0A= s.prop42 =3D ''=0A= }=0A= function sc_record_video_event( event_name, value ) =0A= {=0A= if( event_name =3D=3D 'stopped' )=0A= {=0A= //s.prop31 =3D event_name ;=0A= //s.prop32 =3D value ;=0A= }=0A= else if ( event_name =3D=3D 'preroll_stopped' )=0A= {=0A= s.prop33 =3D event_name ;=0A= s.prop34 =3D value ;=0A= }=0A= else if( event_name =3D=3D 'preroll_completed' ) =0A= {=0A= s.prop35 =3D event_name ;=0A= s.prop36 =3D value ;=0A= }=0A= else if( event_name =3D=3D 'mail_friend' )=0A= {=0A= s.prop37 =3D value ;=0A= }=0A= else if( event_name =3D=3D 'prerollrequest' )=0A= {=0A= s.prop41 =3D value ;=0A= }=0A= else if( event_name =3D=3D 'videoplayer' )=0A= {=0A= //s.prop38 =3D value;=0A= }=0A= else if( event_name =3D=3D 'prerollname' )=0A= {=0A= s.prop39 =3D value;=0A= }=0A= else if( event_name =3D=3D 'videototaltime' )=0A= {=0A= s.prop40 =3D value;=0A= }=0A= else if( event_name =3D=3D 'video_complete')=0A= {=0A= s.prop42 =3D value;=0A= }=0A= =0A= } =0A= =0A= function sc_video_evar( value ){=0A= s.eVar6 =3D value;=0A= }=0A= =0A= function sc_setEvent( event_name, value ){=0A= eval(event_name =3D value); =0A= }=0A= =0A= function sc_mediaOpen(mediaName,mediaLength,mediaPlayerName){=0A= s.Media.open(mediaName,mediaLength,mediaPlayerName);=0A= }=0A= function sc_mediaPlay(mediaName,mediaOffset){=0A= s.Media.play(mediaName,mediaOffset);=0A= }=0A= function sc_mediaStop(mediaName,mediaOffset){=0A= s.Media.stop(mediaName,mediaOffset);=0A= }=0A= function sc_mediaClose(mediaName){=0A= s.Media.close(mediaName); =0A= }=0A= =0A= sc_target( path, "Eye on loans: Online program tracks entire lending = process"||document.title ) ;=0A= s.server=3D""=0A= s.pageType=3D""=0A= s.prop1=3D"" /* market */=0A= s.prop2=3D"" /* BU */=0A= s.prop3=3D"MCA" /* set by omniture universal library... s.prop3=3D"" = */=0A= s.prop4=3D"DJEFF" /* app */=0A= =0A= s.prop20=3D"" /* gender */=0A= s.prop21=3D"" /* age */=0A= s.prop22=3D"" /* city */=0A= s.prop23=3D"" /* state */=0A= s.prop24=3D"" /* zip */=0A= =0A= s.prop30=3D"mca" /* Business Unit */=0A= =0A= =0A= s.prop43=3D"{{AUTHOR}}" /* AUTHOR */=0A= if( s.prop43.substring( 2,8 ) =3D=3D "AUTHOR" ){=0A= var meta_author =3D get_author() ;=0A= if( meta_author.length > 1 ) {=0A= s.prop43 =3D meta_author ;=0A= }=0A= }=0A= =0A= /* Conversion Variables */=0A= //s.campaign=3D""=0A= s.campaign=3Ds.getQueryParam('cid'); =0A= if(!s.campaign) =0A= s.campaign=3Ds.getQueryParam('qid'); =0A= //if(!s.campaign) =0A= // s.campaign=3Ds.getQueryParam ('partner'); =0A= s.state=3D""=0A= s.zip=3D""=0A= s.events=3D"event1"=0A= s.event13=3D""=0A= s.event14=3D""=0A= s.event15=3D""=0A= s.event16=3D""=0A= s.event21=3D""=0A= s.event22=3D""=0A= s.event23=3D""=0A= s.event24=3D""=0A= s.event25=3D""=0A= s.event26=3D""=0A= s.products=3D""=0A= s.purchaseID=3D""=0A= s.eVar1=3Ds.getQueryParam('cid,qid,partner',':',document.referrer);=0A= s.eVar2=3D""=0A= s.eVar3=3D""=0A= s.eVar4=3D""=0A= s.eVar5=3D""=0A= s.eVar6=3D""=0A= /* added for denver */=0A= //s.hier1=3Ds.prop1=0A= =0A= =0A= =0A= =0A= ------=_NextPart_000_0000_01C9C05F.88E11BD0 Content-Type: application/x-js Content-Transfer-Encoding: quoted-printable Content-Location: http://e.yieldmanager.net/script.js (function(){var u=3Dwindow.yld_mgr;if(typeof(u)!=3D"object"){return}var = h=3D"ym_";var l=3D1990;var = k=3D"default_"+Math.round(9999999999*Math.random());u.is_data_call=3Du.re= quest_type=3D=3D"bc";u.non_ad_request_type=3Du.request_type=3D=3D"bc"||u.= request_type=3D=3D"fc";u.is_multi_ad_call=3Du.slots?true:false;u.is_sync_= call=3Du.container_type=3D=3D"js";u.proxy_url=3D"http://e.yieldmanager.ne= t/chunkPasser.html";var = f=3D(!navigator.userAgent.match(/AppleWebKit\/([^ = ]*)/)&&!navigator.userAgent.match(/opera/gi)&&navigator.userAgent.match(/= msie/gi));u.place_ad_here=3Dfunction(y){if(u.is_data_call){var = x=3Dyld_mgr.getDataCallUrl(y);document.write('');return}if(u.is_sync_call){if(yld_mgr.= show_ad_sync){yld_mgr.show_ad_sync(y)}}else{document.write("

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Comments There are 3 responses to this article. Comments are meant to offer our readers a forum for thoughtful, = robust debate=20 about local issues. Comments are moderated, but you may find the content of the = conversations=20 offensive, objectionable or factually disputable.

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Comments are meant to offer our readers a forum for thoughtful, = robust debate=20 about local issues.

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