function subnav()
{
var subnav = '<div style="padding-right:31px;padding-top:27px" align="right"><table><tr><td><li><a href="index.htm">home</a></li></td><td><li><a href="contact.htm">contact</a></li></td><td><li><a href="#">faq</a></li></td></tr></table></div>';
return subnav;
}

function nav()
{
var nav = '<div style="padding-left:20px;padding-top:9px"><a href="products.htm" class="nav">Products &amp; Services</a> <a href="#" class="nav">Members</a> <a href="#" class="nav">Calling Rates</a> <a href="about.htm" class="nav">About Us</a> <a href="#" class="nav">Support</a> <a href="#" class="nav">Sign Up</a></div>';
return nav;
}

function footer()
{
var footer ='<div style="padding-left:41px;padding-top:10px;color:#FFFFFF">FaktorTel &copy; 2005 | <a href="terms.htm" class="footer">Terms and Conditions</a></div>';
return footer;
}