function outputTableRates(fixedCols, fixedRows) {
 var tbl = [["LOAN TERM", "RATE", "APR", "POINTS", "DETAILS TO QUALIFY"], ["CONFORMING- VA 30 YR", "3.875", "3.888", "0.000%", "USE YOUR VETERAN BENEFIT!! , NO CASH RESERVES REQUIRED, NO MORTGAGE INSURANCE, LOWER CREDIT OK"], ["CONFORMING- 30 (FannieMae-HomePath)", "4.000", "4.016", "0.000%", "Only 5% Down Payment is Required, NO Mortgage Insurance, NO Appraisal"], ["CONFORMING- 30 YR FIXED TO $417K", "3.750", "3.763", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE"], ["CONFORMING- 30", "3.875", "3.889", "0.000%", "WILL GO OVER 80% LTV and UP TO 110% CLTV in some cases, NO PMI, NO CASH-OUT, MUST BE A FANNIE MAE/FREDDIE MAC LOAN."], ["CONFORMING- 30 YR FIXED", "3.750", "3.766", "1.000%", "LOWEST RATE POSTED ON OUR SITE!!! GOOD CREDIT - FULL DOCS - REFI or PURCHASE  **PHONE LOCK *"], ["CONFORMING- 15 YR FIXED", "3.500", "3.511", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE  **PHONE LOCK"], ["CONFORMING- 20 YR FIXED", "3.750", "3.766", "0.000%", "20 year is designed for customers whom recently refinanced and dont want to start a 30 yr all over again."], ["CONFORMING- 30 YR   NO COST REFINANCE", "4.375", "4.389", "0.000%", "MINIMUM LOAN $225K- GOOD CREDIT - FULL DOCS - REFI or PURCHASE - MAX LTV 80% - **PHONE LOCK *AAA rating with the Better Business Bureau.", ""], ["CONFORMING- 15 YR   NO COST REFINANCE", "3.625", "3.636", "0.000%", "MINIMUN LOAN $225K- GOOD CREDIT - FULL DOCS - REFI or PURCHASE - MAX LTV 80% - **PHONE LOCK ONLY**", ""], ["CONFORMING- 30 YR  NON-OWNER", "4.250", "4.262", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE - MAX LTV 75%"], ["CONFORMING- 5/1 ARM- SUPER LOW RATE!!", "3.000", "3.009", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE - MAX LTV 80% - **PHONE LOCK *AAA rating with the Better Business Bureau. Escrows included."], ["CONFORMING- 7/1 ARM", "3.125", "3.129", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE - MAX LTV 80% - **PHONE LOCK *AAA rating with the Better Business Bureau."], ["CONFORMING- 3/1 ARM", "2.625", "2.625", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE - MAX LTV 80% - **PHONE LOCK *AAA rating with the Better Business Bureau."], ["CONFORMING- 30 YR FHA  3% DOWNPAYMENT/PURCHASE", "4.250", "4.268", "0.000%", "97% LVT, LOWER CREDIT SCORE OK, NON-OCCUPYING CO-BORROWER OK-"], ["CONFORMING- 5  YR FHA  3% DOWNPAYMENT/PURCHASE", "3.500", "3.510", "0.000%", "97% LVT, LOWER CREDIT SCORE OK, NON-OCCUPYING CO-BORROWER OK"], ["", "", "", "", ""], ["", "", "", "", ""]];
 var x = fixedCols || 1;
 var y = fixedRows || 1;

 for(var j = 0; j < tbl.length; j++) {
  document.write("<tr>\n");
  for(var i = 0; i < tbl[j].length; i++) {
   var cell_class = "class=default";

   if(i == 0)  {
    cell_class = "class=fixed_col";
   }

   if(j == 0) {
    cell_class = "class=fixed_row";
   }

   document.write(" <td " + cell_class + ">" + tbl[j][i] + "</td>\n");
  }
  document.write("</tr>\n");
 }
}