var footerwrite = '';


footerwrite += '<table cellpadding="0" cellspacing="0" border="0">';
footerwrite += '<tr>';
footerwrite += '<td><img src="'+dirname+'img/clear.gif" width=24 height=36 alt="" border="0"></td>';
footerwrite += '<td valign="bottom" class="black">';

// copyfooter_inst.js

// copyfooter.js
footerwrite += '&copy; 2006 Morgan Stanley';

footerwrite += ' | <A class="blacklink" href="terms.html">Terms of Use</a>';

footerwrite += '<br><img src="'+dirname+'img/clear.gif" width=585 height=10 alt="" border="0"></td>';
footerwrite += '</tr>';
footerwrite += '</table>';


document.write(footerwrite);