function cssPrint(){
if(navigator.appName=="Netscape" && verno2 < 5){
document.write('<link href="css2.css" rel="stylesheet" type="text/css">');
} else {
document.write('<link href="css.css" rel="stylesheet" type="text/css">');
}
}

function openwindow(linkurl)
{
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function writeLeftMenu(){
var leftmenu = '';

leftmenu +='     <table width="153" border="0" cellspacing="1" cellpadding="1">';
leftmenu +='        <tr>';
leftmenu +='              <td><img src="images/shim.gif" width="1" height="2"></td>';
leftmenu +='            </tr>';
leftmenu +='          </table>';
leftmenu +='	  <div id=menu>';
leftmenu +='        <ul id=menuList>';
leftmenu +='          <li><a href="../about/index.html">Home</a></li>';
leftmenu +='          <li><a href="../new/index.html">What&#39;s New</a></li>';
leftmenu +='          <li><a href="../about/menu.html" name="submenu" class="submenu">About Us</a> ';
leftmenu +='            <ul>';
leftmenu +='              <li><a href="../about/index.html">Welcome Message</a></li>';
leftmenu +='              <li><a href="../about/index02.html">Organization</a></li>';
leftmenu +='              <li><a href="../about/index03.html">Responsibilities</a></li>';
leftmenu +='              <li><a href="../about/index04.html">Mission and Vision</a></li>';
leftmenu +='              <li><a href="../about/index05.html">Our Work</a></li>';
leftmenu +='              <li><a href="../about/index06.html">Performance Pledges</a></li>';
leftmenu +='              <li><a href="../about/index07.html">Enquiries</a></li>';
leftmenu +='              <li><a href="../about/index08.html">Complaints</a></li>';
leftmenu +='              <li><a href="../about/index09.html" name="submenu" class="submenu">Other Information</a> ';
leftmenu +='                <ul>';
leftmenu +='                  <li><a href="../about/index09_01.html">Consumer Protection</a></li>';
leftmenu +='                  <li><a href="../about/index09_02.html">Environmental Report</a></li>';
leftmenu +='                  <li><a href="../about/index09_03.html">Review on Institutional Set-up</a></li>';
leftmenu +='                  <li><a href="../about/index09_04.html">Financial Sector Assessment Programme on Hong Kong</a></li>';
leftmenu +='                </ul>';
leftmenu +='              </li>';
leftmenu +='            </ul>';
leftmenu +='          </li>';
//leftmenu +='          <li><a href="../framework/index_01.html" name="submenu" class="submenu">Regulatory Framework</a> ';
leftmenu +='              <li><a href="../framework/menu.html" name="submenu" class="submenu">Regulatory Framework</a> ';
leftmenu +='                         <ul>';
leftmenu +='              <li><a href="../framework/index.html" name="submenu" class="submenu">Regulation of Insurers</a>';
leftmenu +='                <ul>';

leftmenu +='                  <li><a href="../framework/index_01.html" name="submenu" class="submenu">Authorization</a> ';
leftmenu +='            	     <ul>';
leftmenu +='              	   	    <li><a href="../framework/index_01_01.html">Authorization Requirements</a></li>';
leftmenu +='               	 	    <li><a href="../download/e-gn1.pdf" target="_blank">Authorization Guidelines</a></li>';
leftmenu +='               		 </ul>';
leftmenu +='				  </li>';
leftmenu +='                  <li><a href="../framework/index_02.html">Maintenance of Assets in Hong Kong</a></li>';
leftmenu +='				  <li><a href="../framework/index_03.html">Statutory Valuation Basis for Assets and Liabilities</a></li>';
leftmenu +='				  <li><a href="../framework/index_04.html">Reporting Requirements</a></li>';
leftmenu +='				  <li><a href="../framework/index_05.html">Intervention</a></li>';
leftmenu +='                  <li><a href="../framework/index_06.html" name="submenu" class="submenu">Other Regulatory and Self-Regulatory Initiatives</a> ';
leftmenu +='            	     <ul>';
leftmenu +='              	   	    <li><a href="../framework/index_06_01.html">Facility for Terrorism Risks</a></li>';
leftmenu +='               	 	    <li><a href="../framework/index_06_02.html">Insurance Claims Complaints Bureau</a></li>';
leftmenu +='              	   	    <li><a href="../framework/index_06_03.html">Motor Insurers&#39; Bureau of Hong Kong</a></li>';
leftmenu +='               	 	    <li><a href="../framework/index_06_04.html">Employees Compensation Insurer Insolvency Scheme</a></li>';
leftmenu +='              	   	    <li><a href="../framework/index_06_05.html">Customer Protection Declaration Form</a></li>';
leftmenu +='               	 	    <li><a href="../framework/index_06_06.html">Cooling-off Period for Long Term Insurance Policies</a></li>';
leftmenu +='              	   	    <li><a href="../framework/index_06_07.html">Illustration Standards for Long Term Insurance Policies</a></li>';
leftmenu +='               	 	    <li><a href="../framework/index_06_08.html">The Code of Conduct for Insurers</a></li>';
leftmenu +='               		 </ul>';
leftmenu +='				  </li>';
leftmenu +='                </ul>';
leftmenu +='				</li>			  ';

leftmenu +='              <li><a href="../framework/index02.html"  name="submenu" class="submenu">Regulation of Insurance Intermediaries</a>';
leftmenu +='                <ul>';
leftmenu +='                  <li><a href="../framework/index02_01.html">The System</a></li>';
leftmenu +='                  <li><a href="../framework/index02_02.html">Insurance Agents</a></li>';
leftmenu +='				  <li><a href="../framework/index02_03.html">Insurance Brokers</a></li>';
leftmenu +='				  <li><a href="../framework/index02_04.html">Intervention</a></li>';
leftmenu +='                  <li><a href="../framework/index02_05.html" name="submenu" class="submenu">Insurance Intermediaries Quality Assurance Scheme ("IIQAS")</a> ';
leftmenu +='            	     <ul>';
leftmenu +='              	   	    <li><a href="../framework/index02_05_01.html">Background</a></li>';
leftmenu +='               	 	    <li><a href="../framework/index02_05_02.html">Overview</a></li>';
leftmenu +='              	   	    <li><a href="../framework/index02_05_03.html">IIQAS Fact Sheet</a></li>';
leftmenu +='               	 	    <li><a href="../framework/index02_05_04.html">Insurance Intermediaries Qualifying Examination</a></li>';
leftmenu +='              	   	    <li><a href="../framework/index02_05_05.html">Continuing Professional Development ("CPD") Programme</a></li>';
leftmenu +='               		 </ul>';
leftmenu +='				  </li>';
leftmenu +='                  <li><a href="../framework/index02_06.html" name="submenu" class="submenu">Other Regulatory and Self-Regulatory Initiatives</a> ';
leftmenu +='            	     <ul>';
leftmenu +='              	   	    <li><a href="../framework/index_06_05.html">Customer Protection Declaration Form</a></li>';
leftmenu +='               	 	    <li><a href="../framework/index_06_07.html">Illustration Standards for Long Term Insurance Policies</a></li>';
leftmenu +='               		 </ul>';
leftmenu +='				  </li>';
leftmenu +='                </ul>';
leftmenu +='				</li>	';		  
leftmenu +='              <li><a href="../framework/index03.html" name="submenu" class="submenu">Insurance Companies Ordinance</a> ';
leftmenu +='                <ul>';
leftmenu +='                  <li><a href="../framework/index03_01.html">Insurance Companies Ordinance</a></li>';
leftmenu +='                  <li><a href="../framework/index03_01.html">Latest Legislative Developments</a> </li>';
leftmenu +='                </ul>';
leftmenu +='              </li>';
leftmenu +='              <li><a href="../framework/index04.html" name="submenu" class="submenu">Guidance Notes and Circulars</a>';
leftmenu +='                <ul>';
leftmenu +='                  <li><a href="../framework/index04_01.html">Guidance Notes</a></li>';
leftmenu +='                  <li><a href="../framework/index04_02.html">Circulars on Regulatory Matters</a></li>';
leftmenu +='                  <li><a href="../framework/index04_03.html">Circulars on Anti-Money Laundering Matters</a></li>';
leftmenu +='                </ul>';
leftmenu +='			  <li><a href="../framework/index05.html">Authorization and Annual Fees</a></li>';
leftmenu +='			  <li><a href="../framework/index06.html">International & Domestic Cooperation - Memorandum of Understanding</a></li>';
leftmenu +='			  <li><a href="../framework/index07.html">Insurance Advisory Committee</a></li>';
leftmenu +='			  <li><a href="../framework/index08.html" name="submenu" class="submenu">Captive Insurance</a>';
leftmenu +='                <ul>';
leftmenu +='                  <li><a href="../framework/index08_01.html">Hong Kong - Ideal Captive Centre</a></li>';
leftmenu +='                  <li><a href="../framework/index08_02.html">Facts of Hong Kong</a></li>';
leftmenu +='                  <li><a href="../framework/index08_03.html">A glance at the Economic Scoreboard of Hong Kong</a></li>';
leftmenu +='				  <li><a href="../framework/index08_04.html">What is a Captive?</a></li>';
leftmenu +='				  <li><a href="../framework/index08_05.html">Why form a Captive?</a></li>';
leftmenu +='				  <li><a href="../framework/index08_06.html">Reasons for Setting Up a Captive in Hong Kong</a></li>';
leftmenu +='				  <li><a href="../framework/index08_07.html">Regulatory Concessions for Captives</a></li>';
leftmenu +='				  <li><a href="../framework/index08_08.html">Annual and Authorization Fee</a></li>';
leftmenu +='				  <li><a href="../framework/index08_09.html">Application Process</a></li>';
leftmenu +='				  <li><a href="../framework/index08_10.html">Enquiry</a></li>	';			  
leftmenu +='                </ul>';			  
leftmenu +='			  </li>';
leftmenu +='            </ul>';

leftmenu +='          </li>';

leftmenu +='		  <li><a href="../stat/menu.html" name="submenu" class="submenu">Authorized Insurers and Insurance ';
leftmenu +='            Statistics</a> ';
leftmenu +='            <ul>';
leftmenu +='              <li><a href="../stat/index.html">The Market</a> ';
leftmenu +='              <li><a href="../stat/index02.html" name="submenu" class="submenu">Particulars of Insurers</a> ';
leftmenu +='                <ul>';
leftmenu +='                  <li><a href="../download/ins.pdf" target="_blank">List of Authorized Insurers</a></li>';
leftmenu +='                  <li><a href="../download/poi.pdf" target="_blank">Number of Authorized Insurers by Place of Incorporation</a></li>';
leftmenu +='                  <li><a href="../download/cob.pdf" target="_blank">Number of Authorized Insurers by Class of Business</a></li>';
leftmenu +='                </ul>';
leftmenu +='              </li>';
leftmenu +='              <li><a href="../stat/index03.html" name="submenu" class="submenu">Particulars of Insurance Brokers</a> ';
leftmenu +='                <ul>';
leftmenu +='                  <li><a href="../download/brok.pdf"  target="_blank">List of Approved Bodies of Insurance Brokers</a></li>';
leftmenu +='                </ul>';
leftmenu +='              </li>';
leftmenu +='              <li><a href="../stat/index04.html">Annual General Business Statistics</a> ';
leftmenu +='              </li>';
leftmenu +='              <li><a href="../stat/index05.html">Annual Long Term Business Statistics</a> ';
leftmenu +='              </li>';
leftmenu +='              <li><a href="../stat/index06.html">Quarterly Release of Provisional Statistics for General Business</a> ';
leftmenu +='              </li>';
leftmenu +='              <li><a href="../stat/index07.html">Quarterly Release of Provisional Statistics for Long Term Business</a> ';
leftmenu +='              </li>';
leftmenu +='            </ul>';
leftmenu +='          </li>';

leftmenu +='		  <li><a href="../press/menu.html" name="submenu" class="submenu">Publications and Press ';
leftmenu +='            Releases</a> ';
leftmenu +='            <ul>';
leftmenu +='              <li><a href="../press/index.html" name="submenu" class="submenu">Publications</a> ';
leftmenu +='                <ul>';
leftmenu +='                  <li><a href="../press/index_01.html">Annual Reports</a></li>';
leftmenu +='                  <li><a href="../press/index_02.html">I Lens Newsletters</a></li>';
leftmenu +='                  <li><a href="../press/index_03.html" name="submenu" class="submenu">Guidance Notes / Guidelines</a> ';
leftmenu +='            	     <ul>';
leftmenu +='              	   	    <li><a href="../press/index_03_01.html">Guidance Notes</a></li>';
leftmenu +='               	 	    <li><a href="../press/index_03_02.html">Minimum Requirements for Insurance Brokers</a></li>';
leftmenu +='              	   	    <li><a href="../press/index_03_03.html">Statement of Best Practice on Insurance Agent Trainees</a></li>';
leftmenu +='               		 </ul>';
leftmenu +='				  </li>';
leftmenu +='                  <li><a href="../press/index_04.html" name="submenu" class="submenu">Insurance Intermediaries Quality Assurance Scheme Materials</a> ';
leftmenu +='            	     <ul>';
leftmenu +='              	   	    <li><a href="../download/iiqas-fs.pdf" target="_blank">IIQAS Fact Sheet</a></li>';
leftmenu +='               	 	    <li><a href="../press/index_04_01.html">Syllabuses</a></li>';
leftmenu +='              	   	    <li><a href="../press/index_04_02.html">Study Notes</a></li>';
leftmenu +='              	   	    <li><a href="../press/index_04_03.html">CPD Information Sheet</a></li>';
leftmenu +='               		 </ul>';
leftmenu +='				  </li>';
leftmenu +='                  <li><a href="../press/index_05.html">Educational Pamphlets / Booklets</a></li>';
leftmenu +='                </ul>';
leftmenu +='              </li>';
leftmenu +='              <li><a href="../press/index02.html">Press Releases</a> ';
leftmenu +='              <li><a href="../press/index03.html">Speeches and Presentations</a> ';
leftmenu +='            </ul>';
leftmenu +='          </li>';

leftmenu +='		  <li><a href="../info/menu.html" name="submenu" class="submenu">Access to  ';
leftmenu +='            Information</a> ';
leftmenu +='            <ul>';
leftmenu +='              <li><a href="../info/index.html">Code on Access to Information</a></li>';
leftmenu +='              <li><a href="../info/index02.html">List of Available Information</a></li>';
leftmenu +='              <li><a href="../info/index03.html">Procedures and Charges</a></li>';
leftmenu +='            </ul>';
leftmenu +='          </li>';

leftmenu +='		  <li><a href="../forms/menu.html" name="submenu" class="submenu">Public Forms</a> ';
leftmenu +='            <ul>';
leftmenu +='               <li><a href="../forms/index.html">Application Forms</a></li>';
leftmenu +='               <li><a href="../forms/index02.html">Returns / Forms</a></li>';
leftmenu +='               <li><a href="../forms/index03.html">Instructions for<br>e-Submission</a></li>';
leftmenu +='            </ul>';
leftmenu +='          </li>';

leftmenu +='		  <li><a href="../tender/index.html">Tender Notices</a> ';
leftmenu +='          </li>';

leftmenu +='		  <li><a href="../links/menu.html" name="submenu" class="submenu">Links</a> ';
leftmenu +='            <ul>';
leftmenu +='               <li><a href="../links/index.html">Related Government Departments</a></li>';
leftmenu +='               <li><a href="../links/index02.html">Related Organizations</a></li>';
leftmenu +='            </ul>';
leftmenu +='          </li>';

leftmenu +='		  <li><a href="../faq/menu.html" name="submenu" class="submenu">Frequently Asked Questions</a> ';
leftmenu +='            <ul class="menu2">';
leftmenu +='               <li><a href="../faq/index.html">Insurance Industry</a></li>';
leftmenu +='               <li><a href="../faq/index02.html">Authorization of Insurers</a></li>';
leftmenu +='               <li><a href="../faq/index03.html">Registration / Authorization of Insurance Intermediaries</a></li>';
leftmenu +='               <li><a href="../faq/index04.html">Insurance Intermediaries Quality Assurance Scheme</a></li>';
leftmenu +='               <li><a href="../faq/index05.html">Policy Switching (or Twisting)</a></li>';
leftmenu +='               <li><a href="../faq/index06.html">Liaison with China</a></li>';
leftmenu +='               <li><a href="../faq/index07.html">Promotion of Reinsurance and Captive Insurance in Hong Kong</a></li>';
leftmenu +='               <li><a href="../faq/index08.html">General</a></li>';
leftmenu +='            </ul>';
leftmenu +='          </li>';


leftmenu +='        </ul>';
leftmenu +='      </div>';
leftmenu +='	  <img src="../images/menu_bottom.jpg" width="153" height="132" alt=" ">';
leftmenu +='      <p></p>';
leftmenu +='      <a href="http://www.fstb.gov.hk/fsb/ppr/consult/iia.htm" target="_blank"><img src="../images/independent_IA.jpg" width="140" height="100" height="100" hspace="5" vspace="5" border="0" alt="Proposed Establishment of an Independent Insurance Authority "> </a>';
document.write(leftmenu);
}

function writeHeader(){
var Topheader = '';
//Topheader +='<table width="760" border="0" cellpadding="0" cellspacing="0" background="images/bkgdtexture.gif">';
//Topheader +='    <tr align="left" valign="top"> ';
Topheader +='      <script language="JavaScript" src="../jsi/header_03st.js"></script>';
//Topheader +='    </tr>';

//Topheader +='  </table>';
document.write(Topheader);
}

function writePrintHeader()
{
var printHeader = '';

printHeader  += '<a href="javascript:window.print();"><img src="../images/print.jpg" alt="PRINT THIS PAGE" border="0"></a>';
printHeader  += '<a href="javascript:window.close()"><img src="../images/close.jpg" alt="CLOSE" border="0"></a>';

document.write(printHeader);

}


function LinkMenu()
{
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	{
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	rightMenu +='<table  border=0 cellpadding=0 cellspacing=0><tr><td  valign=top><a href="'+search_url+'?p=1';

	if(search_param!='')
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	rightMenu +='" target="_blank"><img src="../images/print.jpg" alt="PRINT THIS PAGE" border="0"></a></td>';
	rightMenu +='   </table>';

document.write(rightMenu);
}