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"http://www.ifa.com/12steps/Step3/Step3Page4.asp#3313" dqm__second_icon_index4_4 = 0 dqm__second_icon_index4_5 = 0 dqm__sub_xy4_5 = "1, 0" dqm__sub_menu_width4_5 = 377 dqm__subdesc4_5_0 = "4.3.1   Pickers are Fooled by Randomness" dqm__url4_5_0 = "http://www.ifa.com/12steps/step4/Step4Page2.asp#421" dqm__subdesc4_5_1 = "4.3.2   Academic Studies Prove that Time Picking Doesn't Work" dqm__url4_5_1 = "http://www.ifa.com/12steps/step4/Step4Page2.asp#432" dqm__urltarget4_9 = "_new" dqm__sub_xy4_4 = "1, 0" dqm__sub_menu_width4_4 = 210 dqm__subdesc4_4_0 = "4.2.1   Random Walk Theory" dqm__url4_4_0 = "http://www.ifa.com/12steps/step4/Step4Page2.asp#421" dqm__subdesc4_4_1 = "4.2.2   Efficient Market Hypothesis" dqm__url4_4_1 = "http://www.ifa.com/12steps/step4/Step4Page2.asp#422" dqm__subdesc4_5_2 = "4.3.3   Time Picking Gurus" dqm__url4_5_2 = "http://www.ifa.com/12steps/step4/Step4Page2.asp#433" dqm__subdesc4_5_3 = "4.3.4   Gains and Losses are Impossible to Identify in Advance" dqm__url4_5_3 = "http://www.ifa.com/12steps/step4/Step4Page3.asp#434" dqm__subdesc4_5_4 = "4.3.5   Time Pickers Lose" dqm__url4_5_4 = "http://www.ifa.com/12steps/step4/Step4Page3.asp#435" dqm__subdesc4_5_5 = "4.3.6   Time Pickers Pay More Taxes" dqm__url4_5_5 = "http://www.ifa.com/12steps/step4/Step4Page3.asp#436" dqm__second_icon_index5_4 = 0 dqm__urltarget5_7 = "_new" dqm__sub_xy5_4 = "1, 0" dqm__sub_menu_width5_4 = 225 dqm__subdesc5_4_0 = "5.2.1   An SEC Warning" dqm__url5_4_0 = "http://www.ifa.com/12steps/step5/Step5Page2.asp#521" dqm__subdesc5_4_1 = "5.2.2   Persistence of Performance" dqm__url5_4_1 = "http://www.ifa.com/12steps/step5/Step5Page2.asp#522" dqm__second_icon_index6_4 = 0 dqm__sub_xy6_4 = "1, 0" dqm__sub_menu_width6_4 = 240 dqm__subdesc6_4_0 = "6.3.1   Style Drift Alters Risk Exposure" dqm__url6_4_0 = "http://www.ifa.com/12steps/step6/Step6Page2.asp#631" dqm__subdesc6_4_1 = "6.3.1   Style Drifters" dqm__url6_4_1 = "http://www.ifa.com/12steps/step6/Step6Page2.asp#632" dqm__urltarget6_8 = "_new" dqm__subdesc6_3_1 = "6.2.2   Style Drift" dqm__url6_3_1 = "http://www.ifa.com/12steps/step6/Step6Page2.asp#622" dqm__subdesc6_4_2 = "6.3.1   Style Drift and the Fama-French Risk Factors" dqm__url6_4_2 = "http://www.ifa.com/12steps/step6/Step6Page2.asp#633" dqm__second_icon_index7_4 = 0 dqm__second_icon_index7_5 = 0 dqm__sub_xy7_5 = "1, 0" dqm__sub_menu_width7_5 = 186 dqm__subdesc7_5_0 = "7.3.1   Active Investors are Unaware of All the Costs" dqm__url7_5_0 = "http://www.ifa.com/12steps/step7/Step7Page2.asp#731" dqm__subdesc7_6_1 = "7.4.2   Reduce Taxes and Turnover Costs with Index Funds" dqm__url7_6_1 = "http://www.ifa.com/12steps/step7/Step7Page3.asp#742" dqm__urltarget7_8 = "_new" dqm__sub_xy7_4 = "1, 0" dqm__sub_menu_width7_4 = 140 dqm__subdesc7_4_0 = "7.2.1   Silent Partners" dqm__url7_4_0 = "http://www.ifa.com/12steps/step7/Step7Page2.asp#721" dqm__subdesc7_5_1 = "7.3.2   Taxes" dqm__url7_5_1 = "http://www.ifa.com/12steps/step7/Step7Page2.asp#732" dqm__second_icon_index8_3 = 0 dqm__sub_xy8_3 = "1, 0" dqm__sub_menu_width8_3 = 75 dqm__subdesc8_3_0 = "8.2.1   Risk" dqm__url8_3_0 = "http://www.ifa.com/12steps/step8/Step8Page2.asp#825" dqm__urltarget8_4 = "_new" dqm__urltarget9_4 = "_new" dqm__second_icon_index10_4 = 0 dqm__second_icon_index10_5 = 0 dqm__sub_xy10_5 = "-503, 0" dqm__sub_menu_width10_5 = 350 dqm__subdesc10_5_0 = "10.3.1   Investors Do Not Properly Assess Risk Capacity™ " dqm__url10_5_0 = "http://www.ifa.com/12steps/Step10/Step10Page2.asp#1031" dqm__subdesc10_6_1 = "10.4.2   The Investment Meter" dqm__url10_6_1 = "http://www.ifa.com/12steps/Step10/Step10Page3.asp#1042" dqm__urltarget10_9 = "_new" dqm__sub_xy10_4 = "-445, 0" dqm__sub_menu_width10_4 = 292 dqm__sub_xy10_4_0 = "-293,21" dqm__sub_menu_width10_4_0 = 292 dqm__subdesc10_4_0_0 = "Dimension 1: Time Horizon and Liquidity Needs" dqm__url10_4_0_0 = "http://www.ifa.com/12steps/Step10/Step10Page2.asp#Dim1" dqm__subdesc10_4_0_1 = "Dimension 2: Attitude Toward Risk" dqm__url10_4_0_1 = "http://www.ifa.com/12steps/Step10/Step10Page2.asp#Dim2" dqm__subdesc10_4_0_2 = "Dimension 3: Net Worth" dqm__url10_4_0_2 = "http://www.ifa.com/12steps/Step10/Step10Page2.asp#Dim3" dqm__subdesc10_4_0_3 = "Dimension 4: Income and Savings Rate" dqm__url10_4_0_3 = "http://www.ifa.com/12steps/Step10/Step10Page2.asp#Dim4" dqm__subdesc10_4_0_4 = "Dimension 5: Investment Knowledge" dqm__url10_4_0_4 = "http://www.ifa.com/12steps/Step10/Step10Page2.asp#Dim5" dqm__subdesc10_4_0 = "10.2.1   Five Dimensions of Risk Capacity™ " dqm__url10_4_0 = "http://www.ifa.com/12steps/Step10/Step10Page2.asp#1021" dqm__subdesc10_5_1 = "10.3.2   Risk Capacity™ Changes Over Time" dqm__url10_5_1 = "http://www.ifa.com/12steps/Step10/Step10Page2.asp#1032" dqm__subdesc10_6_2 = "10.4.3   The Color of Risk Spectrum" dqm__url10_6_2 = "http://www.ifa.com/12steps/Step10/Step10Page3.asp#1043" dqm__urltarget11_4 = "_new" dqm__second_icon_index11_7 = 0 dqm__sub_xy11_7 = "-338,-134" dqm__sub_menu_width11_7 = 185 dqm__subdesc11_7_0 = "Portfolio 100 - Bright Red" dqm__url11_7_0 = "http://www.ifa.com/portfolios/p100/" dqm__subdesc11_7_1 = "Portfolio  95 - Yellow" dqm__url11_7_1 = "http://www.ifa.com/portfolios/p095/" dqm__subdesc11_7_2 = "Portfolio  90 - Gold" dqm__url11_7_2 = "http://www.ifa.com/portfolios/p090/" dqm__subdesc11_7_3 = "Portfolio  85 - Orange" dqm__url11_7_3 = "http://www.ifa.com/portfolios/p085/" dqm__subdesc11_7_4 = "Portfolio  80 - Purple" dqm__url11_7_4 = "http://www.ifa.com/portfolios/p080/" dqm__subdesc11_7_5 = "Portfolio  75 - Dark Blue" dqm__url11_7_5 = "http://www.ifa.com/portfolios/p075/" dqm__subdesc11_7_6 = "Portfolio  70 - Dark Teal" dqm__url11_7_6 = "http://www.ifa.com/portfolios/p070/" dqm__subdesc11_7_7 = "Portfolio  65 - Dark Green" dqm__url11_7_7 = "http://www.ifa.com/portfolios/p065/" dqm__subdesc11_7_8 = "Portfolio  60 - Green" dqm__url11_7_8 = "http://www.ifa.com/portfolios/p060/" dqm__subdesc11_7_9 = "Portfolio  55 - Olive" dqm__url11_7_9 = "http://www.ifa.com/portfolios/p055/" dqm__subdesc11_7_10 = "Portfolio  50 - Sea Green" dqm__url11_7_10 = "http://www.ifa.com/portfolios/p050/" dqm__subdesc11_7_11 = "Portfolio  45 - Teal" dqm__url11_7_11 = "http://www.ifa.com/portfolios/p045/" dqm__subdesc11_7_12 = "Portfolio  40 - Aqua" dqm__url11_7_12 = "http://www.ifa.com/portfolios/p040/" dqm__subdesc11_7_13 = "Portfolio  35 - Sky Blue" dqm__url11_7_13 = "http://www.ifa.com/portfolios/p035/" dqm__subdesc11_7_14 = "Portfolio  30 - Pale Blue" dqm__url11_7_14 = "http://www.ifa.com/portfolios/p030/" dqm__subdesc11_7_15 = "Portfolio  25 - Ice Blue" dqm__url11_7_15 = "http://www.ifa.com/portfolios/p025/" dqm__subdesc11_7_16 = "Portfolio  20 - Light Turquoise" dqm__url11_7_16 = "http://www.ifa.com/portfolios/p020/" dqm__subdesc11_7_17 = "Portfolio  15 - Light Green" dqm__url11_7_17 = "http://www.ifa.com/portfolios/p015/" dqm__subdesc11_7_18 = "Portfolio  10 - Light Yellow" dqm__url11_7_18 = "http://www.ifa.com/portfolios/p010/" dqm__subdesc11_7_19 = "Portfolio   5 - Ivory" dqm__url11_7_19 = "http://www.ifa.com/portfolios/p005/" dqm__subdesc2_9 = "Print Version [PDF]" dqm__url2_9 = "http://www.ifa.com/Book/Book_pdf/02_Nobel_Laureates.pdf" dqm__urltarget2_9 = "_new" dqm__second_icon_index2_6 = 0 dqm__sub_xy2_6 = "1, 0" dqm__sub_menu_width2_6 = 281 dqm__sub_xy2_6_0 = "-282,21" dqm__sub_menu_width2_6_0 = 400 dqm__subdesc2_6_0_17 = "1992: Eugene Fama and Kennth French" dqm__url2_6_0_17 = "http://www.ifa.com/12steps/Step2/Step2Page3.asp#1992" dqm__subdesc2_6_0_16 = "1990: William F. Sharpe, Merton H. Miller, and Harry M. Markowitz" dqm__url2_6_0_16 = "http://www.ifa.com/12steps/Step2/Step2Page3.asp#1990" dqm__subdesc2_6_0_15 = "1981: David G. Booth" dqm__url2_6_0_15 = "http://www.ifa.com/12steps/Step2/Step2Page3.asp#1981" dqm__subdesc2_6_0_14 = "1975: John Bogle" dqm__url2_6_0_14 = "http://www.ifa.com/12steps/Step2/Step2Page3.asp#1975" dqm__subdesc2_6_0_13 = "1973: Burton G. Malkiel" dqm__url2_6_0_13 = "http://www.ifa.com/12steps/Step2/Step2Page3.asp#1973b" dqm__subdesc2_6_0_12 = "1971: John McQuown" dqm__url2_6_0_12 = "http://www.ifa.com/12steps/Step2/Step2Page3.asp#1971" dqm__subdesc2_6_0_11 = "1965: Michael Jensen" dqm__url2_6_0_11 = "http://www.ifa.com/12steps/Step2/Step2Page3.asp#1965c" dqm__subdesc2_6_0_10 = "1965 Eugene F. Fama" dqm__url2_6_0_10 = "http://www.ifa.com/12steps/Step2/Step2Page3.asp#1965b" dqm__subdesc2_6_0_9 = "1965: Paul Samuelson" dqm__url2_6_0_9 = "http://www.ifa.com/12steps/Step2/Step2Page3.asp#1965a" dqm__subdesc2_6_0_8 = "1964: William Sharpe" dqm__url2_6_0_8 = "http://www.ifa.com/12steps/Step2/Step2Page3.asp#1964" dqm__subdesc2_6_0_7 = "1958: Franco Modigliani and Merton Miller" dqm__url2_6_0_7 = "http://www.ifa.com/12steps/Step2/Step2Page3.asp#1958b" dqm__subdesc2_6_0_6 = "1958: James Tobin" dqm__url2_6_0_6 = "http://www.ifa.com/12steps/Step2/Step2Page2.asp#1958a" dqm__subdesc2_6_0_5 = "1952: Harry Markowitz" dqm__url2_6_0_5 = "http://www.ifa.com/12steps/Step2/Step2Page2.asp#1952" dqm__subdesc2_6_0_4 = "1932: Alfred Cowles" dqm__url2_6_0_4 = "http://www.ifa.com/12steps/Step2/Step2Page2.asp#1933" dqm__subdesc2_6_0_3 = "1900: Louis Bachelier" dqm__url2_6_0_3 = "http://www.ifa.com/12steps/Step2/Step2Page2.asp#1900" dqm__subdesc2_6_0_2 = "1830: Judge Samuel Putman" dqm__url2_6_0_2 = "http://www.ifa.com/12steps/Step2/Step2Page2.asp#1830" dqm__subdesc2_6_0_1 = "1690: Edmund Halley" dqm__url2_6_0_1 = "http://www.ifa.com/12steps/Step2/Step2Page2.asp#1690" dqm__subdesc2_6_0_0 = "1654: Blaise Pascal and Chevalier de Mere" dqm__url2_6_0_0 = "http://www.ifa.com/12steps/Step2/Step2Page2.asp#1654" dqm__subdesc2_6_0 = "2.4.1   Get to Know the Pillars of Wall Street" dqm__url2_6_0 = "http://www.ifa.com/12steps/Step2/Step2Page2.asp#241" dqm__subdesc2_5_1 = "2.3.2   Active Investors are Unaware of Academic Studies" dqm__url2_5_1 = "http://www.ifa.com/12steps/Step2/Step2Page2.asp#232" dqm__subdesc2_1_0 = "Page 1" dqm__sub_xy2_1 = "2,0" dqm__url2_1_0 = "http://www.ifa.com/12steps/step2/" dqm__sub_menu_width2_1 = 51 dqm__subdesc2_1_1 = "Page2" dqm__subdesc2_1_2 = "Page 3" dqm__url2_1_1 = "http://www.ifa.com/12steps/step2/step2page2.asp" dqm__url2_1_2 = "http://www.ifa.com/12steps/step2/step2page3.asp" dqm__subdesc1_10 = "Download eBook" dqm__url1_10 = "http://ifa.com/bookdownload.asp" dqm__subdesc2_10 = "Download COOk BOOK v1.5" dqm__subdesc3_9 = "Download eBook" dqm__subdesc4_10 = "Download eBook" dqm__subdesc5_8 = "Download eBook" dqm__subdesc6_9 = "Download eBook" dqm__subdesc7_9 = "Download eBook" dqm__subdesc8_5 = "Download eBook" dqm__subdesc9_5 = "Download eBook" dqm__subdesc10_11 = "Download eBook" dqm__subdesc11_8 = "Data Sources" dqm__subdesc12_22 = "Download eBook" dqm__url2_10 = "http://ifa.com/bookdownload.asp" dqm__url3_9 = "http://ifa.com/bookdownload.asp" dqm__url4_10 = "http://ifa.com/bookdownload.asp" dqm__url5_8 = "http://ifa.com/bookdownload.asp" dqm__url6_9 = "http://ifa.com/bookdownload.asp" dqm__url7_9 = "http://ifa.com/bookdownload.asp" dqm__url8_5 = "http://ifa.com/bookdownload.asp" dqm__url9_5 = "http://ifa.com/bookdownload.asp" dqm__url10_11 = "http://ifa.com/bookdownload.asp" dqm__url11_8 = "http://www.ifa.com/library/support/data/IFAindexdata.asp" dqm__url12_22 = "http://ifa.com/bookdownload.asp" dqm__subdesc0_10 = "IFA Store" dqm__url0_10 = "http://www.cafepress.com/cp/store.aspx?s=indexfunds" dqm__subdesc11_9 = "Download eBook" dqm__url11_9 = "http://ifa.com/bookdownload.asp" dqm__subdesc11_7_20 = "Data Sources" dqm__subdesc11_7_21 = "Backtested Performance Data" dqm__subdesc11_7_22 = "Asset Class Time Series" dqm__url11_7_20 = "http://www.ifa.com/library/support/data/dataformodelportfolios.asp" dqm__url11_7_21 = "http://www.ifa.com/btp/" dqm__url11_7_22 = "http://www.ifa.com/Media/Images/PDF%20files/AssetClassTimeSeriesConstruction.pdf" dqm__urltarget11_7_22 = "_new" dqm__subdesc11_10 = "Backtested Performance Data" dqm__url11_10 = "http://www.ifa.com/btp/" dqm__subdesc0_11 = "Backtested Performance Data" dqm__subdesc0_12 = "Download eBook" dqm__url0_11 = "http://www.ifa.com/btp" dqm__url0_12 = "http://www.ifa.com/bookdownload.asp" dqm__urltarget0_10 = "_new" dqm__urltarget0_7 = "_new" dqm__urltarget0_5 = "_new" dqm__urltarget0_9 = "_new" dqm__urltarget0_12 = "_new" dqm__url12_23 = "http://www.ifa.com" dqm__subdesc12_23 = "TESTING"