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href="/senior-health-and-nutrition/alzheimers-and-dementia.asp">Alzheimer’s and Dementia</a></td> </tr> <tr> <td colspan="2" height="8"></td> </tr> </tbody></table> </div> </td> </tr> <tr> <td height="2"></td> </tr> <tr> <td onmouseover="show('finance_articles')"><table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td width="8"><img src="/portal-images/nav-left-on.gif" height="35" width="8"></td> <td background="/portal-images/navbg-on.gif"><a href="/senior-finances/senior-finance.asp" class="nav-on">Senior Finance</a></td> <td width="8"><img src="/portal-images/nav-right-on.gif" height="35" width="8"></td> </tr> </tbody></table></td> </tr> <tr> <td> <div id="finance_articles" style="display: ;"> <table class="navmenu" border="0" cellpadding="1" cellspacing="2" width="100%"> <tbody><tr> <td> </td> <td><a href="/senior-finances/budgeting.asp">Budgeting</a></td> </tr> <tr> <td> </td> <td><a href="/senior-finances/financial-pitfalls-benefits.asp">Financial Pitfalls and Benefits</a></td> </tr> <tr> <td> </td> <td><a href="/senior-finances/ira-and-pensions.asp">401-k, IRA, and Pensions</a></td> </tr> <tr> <td> </td> <td><a href="/senior-finances/debt-relief.asp">Debt Relief</a></td> </tr> <tr> <td> </td> <td><a href="/senior-finances/investment-advisors.asp">Investment Advisors</a></td> </tr> <tr> <td> </td> <td><a href="/senior-finances/planning-for-retirement.asp">Planning for Retirement</a></td> </tr> <tr> <td> </td> <td><a href="/senior-finances/senior-discounts.asp">Senior Discounts</a></td> </tr> <tr> <td> </td> <td><a href="/senior-finances/social-security-benefits.asp">Social Security Benefits</a></td> </tr> <tr> <td> </td> <td><a href="/senior-finances/taxes.asp">Taxes</a></td> </tr> <tr> <td> </td> <td><a href="/senior-finances/working-in-retirement.asp">Working in Retirement</a></td> </tr> <tr> <td colspan="2" height="8"></td> </tr> </tbody></table></div></td> </tr> <tr> <td height="2"></td> </tr> <tr> <td onmouseover="show('travel')"><table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td width="8"><img src="/portal-images/nav-left-on.gif" height="35" width="8"></td> <td background="/portal-images/navbg-on.gif"><a href="/senior-travel-and-mobility/senior-travel-mobility.asp" class="nav-off">Travel & Mobility</a></td> <td width="8"><img src="/portal-images/nav-right-on.gif" height="35" width="8"></td> </tr> </tbody></table></td> </tr> <tr> <td> <div id="travel" style="display: none;"> <table class="navmenu" border="0" cellpadding="1" cellspacing="2" width="100%"> <tbody><tr> <td> </td> <td><a href="/senior-travel-and-mobility/adventure-travel-for-seniors.asp">Adventure Travel for Seniors</a></td> </tr> <tr> <td> </td> <td><a href="/senior-travel-and-mobility/cruises-for-seniors.asp">Cruises for Seniors</a></td> </tr> <tr> <td> </td> <td><a href="/senior-travel-and-mobility/elder-hostels.asp">Elder Hostels</a></td> </tr> <tr> <td> </td> <td><a href="/senior-travel-and-mobility/tours-for-seniors.asp">Tours for Seniors</a></td> </tr> <tr> <td> </td> <td><a href="/senior-travel-and-mobility/flying-for-seniors.asp">Flying for Seniors</a></td> </tr> <tr> <td> </td> <td><a href="/senior-travel-and-mobility/travel-discounts-for-seniors.asp">Travel Discounts for Seniors</a></td> </tr> <tr> <td> </td> <td><a href="/senior-travel-and-mobility/power-chairs-and-scooters.asp">Power Chairs and Scooters</a></td> </tr> <tr> <td> </td> <td><a href="/senior-travel-and-mobility/portable-oxygen.asp">Portable Oxygen</a></td> </tr> <tr> <td> </td> <td><a href="/senior-travel-and-mobility/walking-aids.asp">Walking Aids</a></td> </tr> <tr> <td> </td> <td><a href="/senior-travel-and-mobility/wheelchairs.asp">Wheelchairs</a></td> </tr> <tr> <td colspan="2" height="8"></td> </tr> </tbody></table></div></td> </tr> <tr> <td height="2"></td> </tr> <tr> <td onmouseover="show('insurance')"><table border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr> <td width="8"><img src="/portal-images/nav-left-on.gif" height="35" width="8"></td> <td background="/portal-images/navbg-on.gif"><a href="/insurance-for-seniors/seniors-insurance.asp" class="nav-off">Insurance for Seniors</a></td> <td width="8"><img src="/portal-images/nav-right-on.gif" height="35" width="8"></td> </tr> </tbody></table></td> <tr> <td> <div id="insurance" style="display: none;"> <table class="navmenu" border="0" cellpadding="1" cellspacing="2" width="100%"> <tbody><tr> <td> </td> <td><a href="/insurance-for-seniors/life-insurance.asp">Life Insurance</a></td> </tr> <tr> <td> </td> <td><a href="/insurance-for-seniors/medicare.asp">Medicare</a></td> </tr> <tr> <td> </td> <td><a href="/insurance-for-seniors/medicaid.asp">Medicaid</a></td> </tr> <tr> <td> </td> <td><a href="/insurance-for-seniors/dental-insurance.asp">Dental Insurance</a></td> </tr> <tr> <td> </td> <td><a href="/insurance-for-seniors/auto-insurance.asp">Auto Insurance</a></td> </tr> <tr> <td> </td> <td><a href="/insurance-for-seniors/travel-insurance.asp">Travel Insurance</a></td> </tr> <tr> <td> </td> <td><a href="/insurance-for-seniors/insuring-personal-property.asp">Insuring Personal Property</a></td> </tr> <tr> <td> </td> <td><a href="/insurance-for-seniors/medicare-supplements.asp">Medicare Supplements</a></td> </tr> <tr> <td> </td> <td><a href="/insurance-for-seniors/prescription-drug-plans.asp">Prescription Drug Plans</a></td> </tr> <tr> <td> </td> <td><a href="/insurance-for-seniors/wills-and-trusts.asp">Wills and Trusts</a></td> </tr> <tr> <td colspan="2" height="8"></td> </tr> </tbody></table></div></td> </tr> <tr> <td> </td> </tr> </table></td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="2"> <tr> <td><span class="testimonial">“I found the information here to be more valuable than on some other sites that were more selfserving. You showed me what to look for to get good advice about my investments.”</span><br /> <span class="author">–William J.</span></td> </tr> </table></td> </tr> <tr> <td align="right" class="learnmore"><a href="http://www.clearseniorliving.com/customer-testimonials.asp" style="padding-right:20px;">Read more testimonials</a></td> </tr> </table></td> <td width="10"> </td> <td valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="98%" border="0" align="center" cellpadding="0" cellspacing="0"> <tr> <td width="7"><img src="../portal-images/inner-mainleft.gif" width="7" height="33" /></td> <td background="../portal-images/inner-mainbg.gif" class="mainhead"> Senior Finances</td> <td width="7"><img src="../portal-images/inner-mainright.gif" width="7" height="33" /></td> </tr> </table></td> </tr> <tr> <td height="5"></td> </tr> <tr> <td><table width="98%" border="0" align="center" cellpadding="0" cellspacing="0" class="border-inner"> <tr> <td><img src="../portal-images/senior-finance.jpg" width="491" height="234" /></td> </tr> <tr> <td valign="top"><table width="100%" border="0" cellpadding="5" cellspacing="0" class="content"> <tr> <td><p><span class="head">Retirement Fund Accounts</span></p> <p>In <a href="http://www.clearseniorliving.com/senior-finances/planning-for-retirement.asp" class="learnmore" title="Planning for Retirement">planning for your retirement</a>, you’ll want to consider funding qualified retirement plans which include a 401k, IRAs and pensions.</p> <p><strong>How a 401k Retirement Pensions Work</strong></p> <p>A 401k is an employer-sponsored retirement savings plan. Each time you are paid – weekly, bimonthly, etc -- your employer will deduct whatever contribution you elect to fund your 401k. Since your employer administers the plan under certain pension laws and regulations, the company also determines who is eligible for the plan and the maximum percentage you as an employee can contribute to the plan. Some employers match or add a certain percentage of your contribution, but they are not required to do so.</p> <p>Most companies offer you several <a href="http://www.clearseniorliving.com/senior-finances/investment-advisors.asp" class="learnmore" title="Investment Advisors">investment options</a> for your funds ranging from high-risk, high-yield stocks to very minimal risk bonds. You will be able to allocate your 401k contributions across this range. Your 401k-retirement pension is tax deferred, so the monies will not be taxed until you withdraw them. Furthermore your contribution is taken from gross salary, reducing your Federal income tax.</p> <p>Withdrawals from your 401k before the age of 59 ½ are generally subject to a 10 percent penalty plus <a href="http://www.clearseniorliving.com/senior-finances/taxes.asp" class="learnmore" title="Taxes">taxes</a>, though depending on your company’s policy, you may be eligible to take a loan on your funds. If you change jobs, you will get to keep everything you have paid in out of your payroll deductions, but you may not get to keep the percent that your employer matched. Also when you leave your current employer, you can keep the money in the existing plan or roll it over to your <a href="http://www.clearseniorliving.com/senior-finances/working-in-retirement.asp" class="learnmore" title="Working In Retirement">new employer</a>.</p> <p><strong>How An Individual Retirement Account (IRA) Works</strong></p> <p>The Government allows you to make tax-deductible contributions into a personal savings account called an Individual Retirement Account (IRA). You can invest your IRA retirement funds in a range of investment products, including Certificates of Deposits (CDs), stocks or bonds. The IRS sets limits on how much you can invest each year; it varies depending if you are under or over 50.</p> <p>Should you withdraw the funds before 59 ½, your money will be subject to standard income taxes plus a 10 percent penalty. There are exceptions if you use the money to buy a house or fund higher education costs. Then you still pay taxes but no penalty.</p> <p>Roth IRAs unlike traditional IRAs are not tax deductible, though all earnings and principal are 100 percent tax free under certain rules and regulations. After five years, you can withdraw both contributions and earnings in the account without penalty. The same benefits concerning education and housing also apply.</p> <p>However, not everyone qualifies for a Roth IRA. Individuals who file taxes using single status are eligible for full contribution as long as they don't exceed $95,000 per year in earnings, and $110,000 for partial contributions. Joint filers face an earnings cap at $150,000 and $160,000 for full and partial contributions respectively.</p> <p><strong>How a Pensions Works</strong></p> <p>Historically, companies provided their retired employees with pensions or guaranteed monthly payments based on years of service and salary. The Government encouraged these pensions by offering companies generous tax breaks. Companies were required by law to keep their pension funds healthy.</p> <p class="content">In the past, company-sponsored pensions made up a significant portion of an individual’s retirement funds. Today, that has changed significantly in lieu of such plans as 401k retirement plans where the employer is not responsible for how pension money is invested and does not guarantee a certain benefit.</p> <p class="content">Some companies offer a simplified employee pension (SEP) plan in which they make contributions toward their employees’ retirement and, if self-employed, their own retirement. Contributions are made directly to an Individual Retirement Account or Annuity (IRA) set up for each employee called a SEP-IRA.</p> </td> </tr> </table></td> </tr> <tr> <td> </td> </tr> </table></td> </tr> </table></td> <td width="10"> </td> <td width="243" valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0">  </table></td> </tr> <tr> <td height="5"></td> </tr> <tr> <td><table width="100%" border="0" cellpadding="2" cellspacing="0" class="content"> <tr> <td><table width="236" border="0" align="center" cellpadding="0" cellspacing="0"> <tr> <td width="236" height="33" align="center" background="/portal-images/side-boxtopbg.gif" class="mainhead">Most Popular Articles</td> </tr> <tr> <td background="/portal-images/side-boxbg.gif"><table width="80%" border="0" cellpadding="1" cellspacing="2" class="navmenu" align="center"> <tr> <td width="6"><img src="/portal-images/csl-new-arrow.gif" width="6" height="9" /></td> <td><a href="http://www.clearseniorliving.com/senior-housing/finding-a-facility.asp">Finding a Facility</a></td> </tr> <tr> <td width="6"><img src="/portal-images/csl-new-arrow.gif" width="6" height="9" /></td> <td><a href="http://www.clearseniorliving.com/senior-health-and-nutrition/healthy-eating.asp">Healthy Eating</a></td> </tr> <tr> <td width="6"><img src="/portal-images/csl-new-arrow.gif" width="6" height="9" /></td> <td><a href="http://www.clearseniorliving.com/senior-finances/social-security-benefits.asp">Social Security Benefits</a></td> </tr> <tr> <td width="6"><img src="/portal-images/csl-new-arrow.gif" width="6" height="9" /></td> <td><a href="http://www.clearseniorliving.com/senior-travel-and-mobility/travel-discounts-for-seniors.asp">Travel Discounts</a></td> </tr> <tr> <td width="6"><img src="/portal-images/csl-new-arrow.gif" width="6" height="9" /></td> <td><a href="http://www.clearseniorliving.com/insurance-for-seniors/medicare-supplements.asp">Medicare Supplements</a></td> </tr> <tr> <td height="8" colspan="2"></td> </tr> </table></td> </tr> <tr> <td><img src="/portal-images/side-boxbottom.gif" width="236" height="10" /></td> </tr> </table></td> </tr> <tr> <td> </td> </tr> <tr> <td><table width="236" border="0" align="center" cellpadding="0" cellspacing="0"> <tr> <td width="236" height="33" align="center" background="/portal-images/side-boxtopbg.gif" class="mainhead">Costs by State</td> </tr> <tr> <td background="/portal-images/side-boxbg.gif"><table width="94%" border="0" align="center" cellpadding="5" cellspacing="0" class="content"> <tr> <td>Use our interactive Cost Finder to see how much you’d pay for Assisted Living, Home Health Aides, Nursing Homes, and more.<br /> <span class="read-artile"><a href="http://www.clearseniorliving.com/care-cost-finder.asp">>Try It</a></span></td> </tr> </table></td> </tr> <tr> <td><img src="/portal-images/side-boxbottom.gif" width="236" height="10" /></td> </tr> </table></td> </tr> <tr> <td> </td> </tr> <tr> <td><table width="236" border="0" align="center" cellpadding="0" cellspacing="0"> <tr> <td width="236" height="33" align="center" background="/portal-images/side-boxtopbg.gif" class="mainhead">Senior Living News</td> </tr> <tr> <td background="/portal-images/side-boxbg.gif"><table width="94%" border="0" align="center" cellpadding="5" cellspacing="0" class="content"> <tr> <td>Read recent articles that focus on senior health and lifestyle issues.<br /> <span class="read-artile"><a href="http://www.clearseniorliving.com/feed.asp">>Read More</a></span></td> </tr> </table></td> </tr> <tr> <td><img src="/portal-images/side-boxbottom.gif" width="236" height="10" /></td> </tr> </table></td> </tr> </table></td> </tr> <tr> <td> </td> </tr> </table></td> </tr> </table></td> </tr> <tr> <td> </td> </tr>  <link href="/../style.css" rel="stylesheet" type="text/css" /> <tr> <td><table width="100%" border="0" cellpadding="3" cellspacing="0" class="states"> <tr> <td align="left" class="topstates-head">Information in Top 20 Housing Areas : </td> </tr> <tr> <td><table width="100%" border="0" cellspacing="2" cellpadding="0" class="states"> <tr> <td> </td> <td>•</td> <td><a href="/metros/atlanta-senior-living.asp">Atlanta Senior Housing</a> </td> <td>•</td> <td><a href="/metros/boston-senior-living.asp">Boston Senior Housing</a></td> <td>•</td> <td><a href="/metros/chicago-senior-living.asp">Chicago Senior Housing</a></td> <td>•</td> <td><a href="/metros/cleveland-senior-living.asp">Cleveland Senior Housing</a></td> <td>•</td> <td><a href="/metros/dallas-ftworth-senior-living.asp">Dallas-Fort Worth Senior Housing</a></td> </tr> <tr> <td> </td> <td>•</td> <td><a href="/metros/denver-senior-living.asp">Denver Senior Housing</a> </td> <td>•</td> <td><a href="/metros/detroit-senior-living.asp">Detroit Senior Housing</a></td> <td>•</td> <td><a href="/metros/houston-senior-living.asp">Houston Senior Housing</a> </td> <td>•</td> <td><a href="/metros/losangeles-senior-living.asp">Los Angeles Senior Housing</a></td> <td>•</td> <td><a href="/metros/miami-senior-living.asp">Miami Senior Housing</a></td> </tr> <tr> <td> </td> <td>•</td> <td><a href="/metros/minneapolis-senior-living.asp">Minneapolis Senior Housing</a></td> <td>•</td> <td><a href="/metros/nyc-senior-living.asp">New York Senior Housing</a></td> <td>•</td> <td><a href="/metros/philadelphia-senior-living.asp">Philadelphia Senior Housing</a> </td> <td>•</td> <td><a href="/metros/phoenix-senior-living.asp">Phoenix Senior Housing</a> </td> <td>•</td> <td><a href="/metros/portland-senior-living.asp">Portland Senior Housing</a> </td> </tr> <tr> <td> </td> <td>•</td> <td><a href="/metros/stlouis-senior-living.asp">St. Louis Senior Housing</a> </td> <td>•</td> <td><a href="/metros/sanfrancisco-senior-living.asp">San Francisco Senior Housing</a></td> <td>•</td> <td><a href="/metros/seattle-senior-living.asp">Seattle Senior Housing</a></td> <td>•</td> <td><a href="/metros/tulsa-senior-living.asp">Tulsa Senior Housing</a></td> <td>•</td> <td><a href="/metros/washingtondc-senior-living.asp">Washington, D.C., Senior Housing</a></td> </tr> </table></td> </tr> </table></td> </tr>  <tr> <td height="4" background="portal-images/greenbg.gif" bgcolor="#66ab5b"><img src="portal-images/greenbg.gif" width="4" height="4" /></td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="5"> <tr> <td align="left" bgcolor="#e7e8e6" class="states-head">Senior Care Options by State</td> </tr> <tr> <td bgcolor="#e7e8e6"><table width="95%" border="0" align="center" cellpadding="1" cellspacing="2" class="states"> <tr> <td valign="top" width="20%"><a href="/states/alabama.asp">Alabama Senior Living</a><br /> <a href="/states/alaska.asp">Alaska Senior Living</a><br /> <a href="/states/arizona.asp">Arizona Senior Living</a><br /> <a href="/states/arkansas.asp">Arkansas Senior Living</a><br /> <a href="/states/california.asp">California Senior Living</a><br /> <a href="/states/colorado.asp">Colorado Senior Living</a><br /> <a href="/states/connecticut.asp">Connecticut Senior Living</a><br /> <a href="/states/delaware.asp">Delaware Senior Living</a><br /> <a href="/states/florida.asp">Florida Senior Living</a><br /> <a href="/states/georgia.asp">Georgia Senior Living</a> </td> <td valign="top" width="20%"><a href="/states/hawaii.asp">Hawaii Senior Living</a><br /> <a href="/states/idaho.asp">Idaho Senior Living</a><br /> <a href="/states/illinois.asp">Illinois Senior Living</a><br /> <a href="/states/indiana.asp">Indiana Senior Living</a><br /> <a href="/states/iowa.asp">Iowa Senior Living</a><br /> <a href="/states/kansas.asp">Kansas Senior Living</a><br /> <a href="/states/kentucky.asp">Kentucky Senior Living</a><br /> <a href="/states/louisiana.asp">Louisiana Senior Living</a><br /> <a href="/states/maine.asp">Maine Senior Living</a><br /> <a href="/states/maryland.asp">Maryland Senior Living</a> </td> <td valign="top" width="20%"> <a href="/states/massachusetts.asp">Massachusetts Senior Living</a><br /> <a href="/states/michigan.asp">Michigan Senior Living</a><br /> <a href="/states/minnesota.asp">Minnesota Senior Living</a><br /> <a href="/states/mississippi.asp">Mississippi Senior Living</a><br /> <a href="/states/missouri.asp">Missouri Senior Living</a><br /> <a href="/states/montana.asp">Montana Senior Living</a><br /> <a href="/states/nebraska.asp">Nebraska Senior Living</a><br /> <a href="/states/nevada.asp">Nevada Senior Living</a><br /> <a href="/states/new-hampshire.asp">New Hampshire Senior Living</a><br /> <a href="/states/new-jersey.asp">New Jersey Senior Living</a></td> <td width="20%" valign="top"> <a href="/states/new-mexico.asp">New Mexico Senior Living</a><br /> <a href="/states/new-york.asp">New York Senior Living</a><br /> <a href="/states/north-carolina.asp">North Carolina Senior Living</a><br /> <a href="/states/north-dakota.asp">North Dakota Senior Living</a><br /> <a href="/states/ohio.asp">Ohio Senior Living</a><br /> <a href="/states/oklahoma.asp">Oklahoma Senior Living</a><br /> <a href="/states/oregon.asp">Oregon Senior Living</a><br /> <a href="/states/pennsylvania.asp">Pennsylvania Senior Living</a><br /> <a href="/states/rhode-island.asp">Rhode Island Senior Living</a><br /> <a href="/states/south-carolina.asp">South Carolina Senior Living</a></td> <td width="20%" valign="top"> <a href="/states/south-dakota.asp">South Dakota Senior Living</a><br /> <a href="/states/tennessee.asp">Tennessee Senior Living</a><br /> <a href="/states/texas.asp">Texas Senior Living</a><br /> <a href="/states/utah.asp">Utah Senior Living</a><br /> <a href="/states/vermont.asp">Vermont Senior Living</a><br /><a href="/states/virginia.asp">Virginia Senior Living</a><br /> <a href="/states/washington.asp">Washington Senior Living</a><br /> <a href="/states/west-virginia.asp">West Virginia Senior Living</a><br /> <a href="/states/wisconsin.asp">Wisconsin Senior Living</a><br /> <a href="/states/wyoming.asp">Wyoming Senior Living</a></td> </tr> </table></td> </tr> </table></td> </tr> <tr><td bgcolor="#cccccc"></td></tr> <tr> <td bgcolor="#cccccc" ><table width="100%" border="0" cellspacing="0" cellpadding="0" class="bottext"> <tr> <td width="19"> </td> <td width="959">Types of Senior Housing and Senior Living include: Assisted Living, Independent Living, Alzheimer's & Dementia Care, Nursing Care, Home Care, Adult Day Care, Continuing Care, and Respite Care. These terms are the ones most commonly used in the United States. However, they may vary in your area. When considering a particular facility or service provider, be sure to confirm the specific services they offer. We also strongly encourage you to make personal visits.</td> </tr> </table> </td> </tr> <tr> <td height="4" background="portal-images/greenbg.gif" bgcolor="#66ab5b"><img src="portal-images/greenbg.gif" width="4" height="4" /></td> </tr> <tr><td bgcolor="#cccccc"></td></tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="7"><img src="../portal-images/footer-left.gif" width="7" height="41" /></td> <td align="center" bgcolor="#656e75" class="footer"><a href="/home.asp">Home</a> • <a href="/senior-housing/senior-housing.asp">Senior Housing</a> • <a href="/senior-health-and-nutrition/senior-health.asp">Senior Health and Nutrition</a> • <a href="/senior-finances/senior-finance.asp">Senior Finances</a> • <a href="/senior-travel-and-mobility/senior-travel-mobility.asp">Senior Travel and Mobility</a> • <a href="/insurance-for-seniors/seniors-insurance.asp">Senior Insurance</a> • <a href="/aboutus.asp">About Us</a> • <a href="/contact.asp">Contact Us</a> • <a href="/privacy-policy.asp">Privacy Policy</a> • <a href="/business/assisted-signup.asp">Facility Signup</a> • <a href="/business/home-care-signup.asp">HomeCare Signup</a><br /> © 2010, Copyright ClearSeniorLiving. All Rights Reserved.</td> <td width="7"><img src="../portal-images/footer-right.gif" width="7" height="41" /></td> </tr> </table></td> </tr> </table> </body> </html>