function GetCookie (name) 
	{  
		var arg = name + "=";  
		var alen = arg.length;  
		var clen = document.cookie.length;  
		var i = 0;  
	
		while (i < clen) 
		{    
			var j = i + alen;    
			if (document.cookie.substring(i, j) == arg)     
			return getCookieVal (j); 
			i = document.cookie.indexOf(" ", i) + 1;    
			if (i == 0) break;   
		}  
		
	return null;
	}
	
	
	//determine value of cookie
	function getCookieVal(offset) 
	{
		var endstr = document.cookie.indexOf (";", offset);
		if (endstr == -1)
		endstr = document.cookie.length;
		return unescape(document.cookie.substring(offset, endstr));
	}
	
	function CheckFirst()
	{
		var terms = GetCookie('terms');
		var URL1 = "phoenix.zhtml?c=103274&p=irol-investDisclaimer";
		var URL2 = "phoenix.zhtml?c=103274&p=irol-irhome";
		var count;
		
		
		if (terms==null)
		{
	
			self.location = URL1;
		}
		else
		{
		
		if (count < 1)
			{
			self.location = URL2;
			}
			count = count + 1;
		}
	} 

	
	
	
	
	//set cookie, name=value; expires=expTime
	function SetCookie (name, value, expTime) 
	{  
		var argv = SetCookie.arguments;  
		var argc = SetCookie.arguments.length;  
		var expires = (argc > 2) ? argv[2] : null;  
		var path = (argc > 3) ? argv[3] : null;  
		var domain = (argc > 4) ? argv[4] : null;  
		var secure = (argc > 5) ? argv[5] : false;  
		document.cookie = name + "=" + escape (value) + 
		((expires == null) ? "" : ("; expires=" + expires.toGMTString())) + 
		((path == null) ? "" : ("; path=" + path)) +  
		((domain == null) ? "" : ("; domain=" + domain)) +    
		((secure == true) ? "; secure" : "");
		self.location = "phoenix.zhtml?c=103274&p=irol-irhome";
	}
	
	
	function DeleteCookie (name) 
	{  
		var expDate = new Date();  
		expDate.setTime (expDate.getTime() - 1);  
		var cval = GetCookie (name);  
		document.cookie = name + "=" + cval + "; expires=" + expDate.toGMTString();
	}
	
	function SetExpTime()
	{
	var eDate = new Date(); 
	eDate.setTime(eDate.getTime() + (720*60*60*1000));
	
	return eDate;
	}