// Define text elements here
Text['conveyancing'] = ["Definition: Conveyancing", "Conveyancing is the legal process of transferring  property rights from seller to buyer (for a sale/purchase), or switching a mortgage from one lender to another (for remortgaging)."];

Text['legalFee'] = ["Definition: Legal Fee", "This cost covers the time your solicitor will need to spend on your conveyancing, as given in your quote. If your sale or purchase does not complete then we will not charge you a legal fee."];

Text['completion'] = ["Definition: Completion", "The date when the transaction relating to the sale/purchase of a house is completed, following the exhange of contracts. This is the date the buyer becomes the legal owner of the property."];

Text['electronicSearchFee'] = ["Definition: Electronic Search Fee", "Electronic searches allow for a quicker turnaround time and discounted search fees."];

Text['officialCopies'] = ["Definition: Official Copies and Plan", "These are copies of your deeds supplied by the land registry, which your buyer will need to see."];

Text['plan'] = ["Definition: Plan", "This is the architectural plan of the registered property, as lodged with HM Land Registry, showing the boundaries of the property.  We are obliged to produce this to the solicitors of the purchaser."];

Text['officialCopyDocs'] = ["Definition: Official Copy Documents", "These are documents referenced by the Official Copies, that may be required in conjunction with them. For example a copy of the registered lease."];

Text['drainageSearch'] = ["Definition: Drainage Search", "The Law Society recommends that drainage and water search is undertaken as part of every property purchase in England and Wales. If problems arise and unidentified liabilities are exposed, it will impact on the property's value and result in unexpected maintenance bills. Provided by regional water companies, the drainage  search allows solicitors to identify concerns before purchase is completed."];

Text['localAuthSearch'] = ["Definition: Local Authority Search", "A list of queries about the property that is sent to the local authority. It may include questions about: planning applications on the property (but not the surrounding area); whether or not it is a listed building or in a conservation area; who is responsible for access road maintenance, etc. Very importantly, the local authority search does not give details on planning applications for neighbouring buildings."];

Text['localAuthImdemnity'] = ["Definition: Local Authority Imdemnity", "This is in place of performing a full search with the Local Authority, which is usually not necessary. If a full search is required, we will let you know before we go ahead."];

Text['bankruptcySearch'] = ["Definition: Bankruptcy Search", "It is an offence for someone who is bankrupt to obtain credit so, if a mortgage is involved, this search is done against the names of the client by the client's solicitors."];

Text['landRegSearch'] = ["Definition: Land Registry Search", "Not all property in England and Wales is registered with the Land Registry. This fee covers a search to check whether the property is registered or not."];

Text['landRegFee'] = ["Definition: Land Registry Fee", "Fees you have to pay to register your purchase at the land registry."];

Text['stampDuty'] = ["Definition: Stamp Duty", "A government tax payable by every buyer of a property over £120,000."];

Text['leasehold'] = ["Definition: Leasehold", "Ownership of a property for a specified period of time. The land on which the property is built is not owned directly by the buyer and is held under the lease for a fixed period."];

Text['leaseholdFee'] = ["Definition: Leasehold Fee", "There is a great deal of extra legal work involved when buying a leasehold apartment as compared with a leasehold house. This extends to issues such as the flat management company that looks after common parts and the much longer and more complex documentation that is required in a multi-tenanted property."];

Text['SDLTform'] = ["Definition: Stamp Duty Land Tax Form", "The Government introduced new legislation that replaced the old Stamp Duty and requires the completion of a lengthy form. This is something that we prepare for you to check and sign. It is an offence not to submit a duly completed form immediately following the completion of your purchase."];

Text['telegraphicTransfer'] = ["Definition: CHAPS Fee", "If there is a balance due to you and you need it sent same-day via CHAPS (as opposed to cheque), this fee is payable."];

Text['mortgageRedemption'] = ["Definition: Mortgage Redemption", "A penalty which can be charged by your existing mortgage lender if you pay off your mortgage early or you move to a different mortgage (remortgage). We have to act and carry out work for both you and your existing lender in connection with the discharge of your current mortgage at the time you complete the sale of your home. This is the charge for the work we do for your lender which your lender requires you to pay."];

Text['mortgageAdvance'] = ["Definition: Mortgage Advance", "The amount of money that your lender has agreed to make available to assist you with the property purchase, secured by a mortgage over on the property. We have to act and carry out work for both you and your new lender in connection with your new mortgage in connection with the purchase of your new home. This is the charge for the work we do for your lender and which your lender requires you to pay."];

Text['postageFee'] = ["Definition: Mortgage Advance", "This fee covers the costs that we incur for photocopying, post and packaging in the course of the work that we carry out for you."];

Text['titleDeeds'] = ["Definition: Title Deeds","These are the documents which show who owns a property. The deeds also contain details of any other legal matters affecting the property, such as restrictions on the use of the property, rights of way and financial charges secured against it. The Title Deeds will vary in format depending on whether the property is registered or unregistered land."];

Text['contract'] = ["Definition: Contract", "The legally binding agreement specifying all details of the house sale or house purchase. This contract legally commits both the buyer and the seller to the transaction. The house seller's conveyancer draws up two copies of the same contract, and each party signs their own copy. When both parties are ready to legally commit, the two contracts are exchanged. After this point, neither party can withdraw from the transaction."];

Text['coalminingSearch'] = ["Definition: Coal Mining Search","If your property is in an area where there has historically been mining activity, you will require this. If so, we will let you know before charging."];
	 
	 
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// these are global settings
var TipId="tiplayer"; // should be the same as <div> tag's id
var FiltersEnabled = 1; // should be the set as to 1 if your going to use visual effects if not set to 0
mig_clay();