function outputTableRates(fixedCols, fixedRows) {
 var tbl = [["LOAN TERM", "RATE", "APR", "POINTS", "DETAILS TO QUALIFY"], ["VA 30 YR", "4.500", "4.510", "0.250%", "USE YOUR VETERAN BENEFIT!! 100% FINANCING, NO DOWNPAYMENT, NO CASH RESERVES REQUIRED, NO MORTGAGE INSURANCE, LOWER CREDIT OK"], ["30 (FannieMae-HomePath)", "4.500", "4.509", "0.000%", "Only 5% Down Payment is Required, NO Mortgage Insurance, NO Appraisal"], ["30 YR FIXED", "4.500", "4.506", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE"], ["FANNIE MAE DU REFINANCE", "4.500", "4.507", "0.000%", "***WILL GO OVER 80% LTV and UP TO 110% CLTV, NO PMI, NO CASH-OUT, MUST BE A FANNIE MAE LOAN."], ["20 YR FIXED", "4.250", "4.259", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE  **PHONE LOCK *"], ["15 YR FIXED", "4.125", "4.129", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE  **PHONE LOCK"], ["25 YR FIXED", "4.500", "4.506", "0.000%", "25 year is designed for customers whom recently refinanced and don\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\'t want to start a 30 yr all over again."], ["30 YR   NO COST REFINANCE", "4.750", "4.759", "0.000%", "MINIMUM LOAN $225K- GOOD CREDIT - FULL DOCS - REFI or PURCHASE - MAX LTV 80% - **PHONE LOCK *AAA rating with the Better Business Bureau.", ""], ["15 YR   NO COST REFINANCE", "4.250", "4.263", "0.000%", "MINIMUN LOAN $225K- GOOD CREDIT - FULL DOCS - REFI or PURCHASE - MAX LTV 80% - **PHONE LOCK ONLY**", ""], ["30 YR  NON-OWNER OCCUPIED", "4.750", "4.785", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE - MAX LTV 75%"], ["5/1 ARM- SUPER LOW RATE!!", "3.500", "3.509", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE - MAX LTV 80% - **PHONE LOCK *AAA rating with the Better Business Bureau. Escrows included."], ["7/1 ARM", "3.750", "3.759", "0.000%", "GOOD CREDIT - FULL DOCS - REFI or PURCHASE - MAX LTV 80% - **PHONE LOCK *AAA rating with the Better Business Bureau."], ["3/1 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."], ["30 YR FHA  3% DOWNPAYMENT/PURCHASE", "4.750", "4.759", "0.000%", "97% LVT, LOWER CREDIT SCORE OK, NON-OCCUPYING CO-BORROWER OK-"], ["5  YR FHA  3% DOWNPAYMENT/PURCHASE", "4.125", "4.141", "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");
 }
}