	//quote array
	quoteList = new Array();
	
	quoteList[0] = "<em>&ldquo;Never spend your money before you have it.&rdquo;</em><br /><strong>&mdash;Thomas Jefferson<br />3rd president of US (1743 - 1826)</strong>";
	quoteList[1] = "<em>&ldquo;Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.&rdquo;</em><br /><strong>&mdash;Charles Dickens, David Copperfield, 1849<br />English novelist (1812 - 1870)</strong>";
	quoteList[2] = "<em>&ldquo;If you would be wealthy, think of saving as well as getting.&rdquo;</em><br /><strong>&mdash;Benjamin Franklin<br />US author, diplomat, inventor, physicist, politician, & printer (1706 - 1790)</strong>";
	quoteList[3] = "<em>&ldquo;What's money? A man is a success if he gets up in the morning and goes to bed at night and in between does what he wants to do.&rdquo;</em><br /><strong>&mdash;Bob Dylan<br />US singer & songwriter (1941 - )</strong>";
	quoteList[4] = "<em>&ldquo;There is only one success - to be able to spend your life in your own way.&rdquo;</em><br /><strong>&mdash;Christopher Morley<br />US author & journalist (1890 - 1957)</strong>";

	//randomization
	var now = new Date();
	var secs = now.getSeconds();
	var raw_random_number = Math.random(secs);
	var random_number = Math.round(raw_random_number * (quoteList.length));

	if (random_number == quoteList.length){random_number = 0}
	
	
	//set quote
	var quote = quoteList[random_number];