holder1=	new String(' ')
holder1+=		'<hr><span class="footNotes">Insurance products offered through Higgins Insurance.'
holder1+=       ' KNBT will not furnish any service, or fix or vary consideration '
holder1+=		'for obtaining a service on the condition<br>' 
holder1+=		'that the customer obtain some additional credit, insurance or other '
holder1+=       'service from KNBT or any of its affiliates. <br>'
holder1+=		'<br><strong>Insurance Products are: </strong> ' 
holder1+=       '<table width="70%"  border="1" cellpadding="2" cellspacing="0" bordercolor="#000000" class="footNotes">'
holder1+=       '<tr align="center">'
holder1+=		'<td width="25%" class="BorderRight">NOT deposits or obligations of any bank or financial ' 
holder1+=		'institution.</td>'
holder1+=       '<td width="25%" class="BorderRight">NOT insured by the FDIC or Federal Government.</td>'
holder1+=		'<td width="25%" class="BorderRight">NOT guaranteed by KNBT or any of its affiliates.</td>' 
holder1+=       '<td width="25%" class="BorderRight">Subject to risks including the possible loss of '
holder1+=       'principal amount invested.</td>'
holder1+=		'</tr></table></span'

var regexp = /zz/gi
quote = new String("'")
holder2 =holder1.replace(regexp,quote)
document.write(holder2)

//alert(holder2)

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