strEmbed = '';
strEmbed = strEmbed + '47^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^Paul, please go ahead.\n';
strEmbed = strEmbed + '47^TEXT^Verdana^10^1^0^0^0,0,0^Paul Santos^Thanks\n';
strEmbed = strEmbed + '47^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^Is my audio cutting out again?\n';
strEmbed = strEmbed + '65^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0002.htm\n';
strEmbed = strEmbed + '130^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^Thanks, FINRA, ALA, and ALS!\n';
strEmbed = strEmbed + '134^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0003.htm\n';
strEmbed = strEmbed + '212^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0004.htm\n';
strEmbed = strEmbed + '282^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0005.htm\n';
strEmbed = strEmbed + '286^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^The miracle of compound interest makes me think that Jane will have the larger retirement amount<br>\n';
strEmbed = strEmbed + '360^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0006.htm\n';
strEmbed = strEmbed + '441^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0007.htm\n';
strEmbed = strEmbed + '513^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^Lots of studies indicate that the cost of a college education in general is a very good investment, because your earning potential is so much higher.\n';
strEmbed = strEmbed + '589^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0008.htm\n';
strEmbed = strEmbed + '657^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0009.htm\n';
strEmbed = strEmbed + '1040^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0010.htm\n';
strEmbed = strEmbed + '1128^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^lifelong learning is really essential now\n';
strEmbed = strEmbed + '1378^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0011.htm\n';
strEmbed = strEmbed + '1507^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^wow\n';
strEmbed = strEmbed + '1746^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0012.htm\n';
strEmbed = strEmbed + '1873^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0013.htm\n';
strEmbed = strEmbed + '2053^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0014.htm\n';
strEmbed = strEmbed + '2406^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0015.htm\n';
strEmbed = strEmbed + '2467^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^that\'s a good point\n';
strEmbed = strEmbed + '2503^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^Even a long-term illness can be difficult for that non-finance spouse to handle.\n';
strEmbed = strEmbed + '2598^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0016.htm\n';
strEmbed = strEmbed + '2718^URL^http://www.opal-online.org/SmartInvestingDecades200809_files/slide0018.htm\n';
strEmbed = strEmbed + '2721^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^Paul, how about housing options during the retirement years.  Do the author have any recommendations?\n';
strEmbed = strEmbed + '2846^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^okay, thanks!\n';
strEmbed = strEmbed + '2855^TEXT^Arial^11^0^0^0^0,0,0^Tom from OPAL^I don\'t think so...very good presentation\n';