//<![CDATA[
		// FOR HIDING AND SHOWING DIVS BASED ON EVENTS
			function uncheckAgree(layerref) {
				if (document.all) { //IS IE 4 or 5 (or 6 beta)
					eval( "document.all." + layerref + ".checked = false");
				}
				if (document.layers) { //IS NETSCAPE 4 or below
					document.layers[layerref].checked = false;
				}
				if (document.getElementById &&!document.all) { //MODERN BROWSERS
					loc = document.getElementById(layerref);
					loc.checked = false;
				}
			}
		//]]>