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ifcorrect,ifwrong,ifnull,
img)
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this.qstring=qstring;
this.response=response;
this.comment=comment;
this.corrects=corrects;
this.explan=explan;
this.score=score;
this.ifcorrect=ifcorrect;
this.ifwrong=ifwrong;
this.ifnull=ifnull;
this.img=img;
}

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resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest001 = new Question(
"Question 1: Annual Budget (Short-Term Budgeting and Mgmt.)",
0,
"<font face=\"Arial\" size=\"4\"><b>A. Short-term Budget and Management </b></font><br><br /><br><font face=\"Arial\" size=\"4\"><i>Carefully budgeting and tracking finances on an annual basis and throughout the year is a fiscal management basic. Without these budgeting mechanisms in place you cannot assess your system’s financial condition nor make necessary adjustments. Prudent budgeting also includes funding of an adequate cash reserve to provide a buffer in the case of unexpected emergencies or shortfalls.</i></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>1. Does your system prepare and follow an annual written budget? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-1-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"A major warning sign of poor financial management.  This deficiency should be addressed immediately if your system is to get on firm financial footing.",
valu,
8,
0,
0,
"a.JPG");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest002 = new Question(
"Question 2: Monthly Statements (Short-Term Budgeting and Mgmt.)",
0,
"<font face=\"Arial\" size=\"4\"><b>Short-term Budget and Management</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>2. Does your system produce monthly and/or quarterly financial statements that are reviewed by your governing body? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-2-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"Without monthly statements, it is difficult know if you are meeting short-term cash flow needs and staying on track regarding your annual budget.  These statements are like regularly taking the financial “pulse” of your system, and they can help to alert you to problems before they become worse.",
valu,
4,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest003 = new Question(
"Question 3: Cash Reserves (Short-Term Budgeting and Mgmt.)",
0,
"<font face=\"Arial\" size=\"4\"><b>Short-term Budget and Management</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>3. Does your system maintain an adequate cash/operating reserve to cover shortfalls and emergencies? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-3-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"Without cash reserves your financial situation is on thin ice in the event of an emergency or unforeseen shortfall.",
valu,
6,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest004 = new Question(
"Question 4: Capital Improvement Planning (Capital Planning and Asset Mgmt.)",
0,
"<font face=\"Arial\" size=\"4\"><b>B. Capital Planning and Asset Management</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><i>Planning, budgeting for, and committing to necessary capital improvements are essential to your system’s compliance with drinking water standard and your system’s long-term viability. Capital improvement planning has been successfully used by water systems to address short and mid-term capital improvement needs. But capital planning should also involve developing a strategy for the longer term repair and replacement of your system’s major capital assets. Asset management is increasingly recognized as a key in assuring the long-term sustainability of water systems.</i></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>4. Does your system have a capital improvement plan of at least 5 years duration, and a system for scheduling and committing to capital projects? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-4-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"A significant warning sign that your system is not adequately planning for needed capital investments.  If you have a plan, but aren’t following it, you should improve your process by better integrating it into the budget and project scheduling.",
valu,
5,
0,
0,
"b.JPG");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest005 = new Question(
"Question 5: Capital Replacement Reserves (Capital Planning and Asset Mgmt.)",
0,
"<font face=\"Arial\" size=\"4\"><b>Capital Planning and Asset Management</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>5. Does your system fund future capital repair/replacement either by annually depreciating assets and/or setting aside monies into a capital reserve fund? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-5-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"This indicates that your system may not be seriously confronting the issue of how it is going to pay for future repair and replacement costs.",
valu,
3,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest006 = new Question(
"Question 6: Asset Inventory (Capital Planning and Asset Mgmt.)",
0,
"<font face=\"Arial\" size=\"4\"><b>Capital Planning and Asset Management</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>6. Has your system conducted an inventory of all of its assets? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-6-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"Conducting a detailed inventory of your assets, including their age, condition and replacement cost, is a prerequisite to longer-range capital and strategic planning.",
valu,
2,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest007 = new Question(
"Question 7: Age of Distribution System (Capital Planning and Asset Mgmt.)",
0,
"<font face=\"Arial\" size=\"4\"><b>Capital Planning and Asset Management</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>7. Is the average age of your system’s distribution system 25 years old or less? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-7-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"This should not be viewed as a sign of financial weakness, but rather as challenge that can be overcome with good asset management.",
valu,
2,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest008 = new Question(
"Question 8: Asset Management Planning",
0,
"<font face=\"Arial\" size=\"4\"><b>Capital Planning and Asset Management</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>8. Has your system adopted an asset management plan that includes a strategy for repairing and replacing the assets identified in the inventory? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-8-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"You are probably not alone in answering “no” to this question – many systems are in the process of developing and implementing asset management plans.  The most important step is recognizing the value of this undertaking, and committing the time and resources necessary to conduct it.",
valu,
2,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest009 = new Question(
"Question 9: Financial Audits (Other fiscal/Accounting Controls)",
0,
"<font face=\"Arial\" size=\"4\"><b>C. Other Fiscal/Accounting Controls</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><i>There are a number of controls and procedures that are necessary if your system is to be able to fully account for and manage its financial affairs.  These measures, to the greatest degree possible, should be integrated into the administration and “culture” of your system, and followed by all those involved its management and operation.</i></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>9. Does your system undergo an independent financial audit by CPA in accordance with Generally Accepted Accounting Practices at least every two years? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-9-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"Regular audits are essential, both for your own internal accounting and to demonstrate your financial good standing to the public at large.  Unless there are special circumstances that justify conducting audits less frequently, they should be conducted at least once every two years, if not yearly.",
valu,
4,
0,
0,
"c.JPG");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest010 = new Question(
"Question 10: Procedures Governing Purchasing and Hiring (Other fiscal/Accounting Controls)",
0,
"<font face=\"Arial\" size=\"4\"><b>Other Fiscal/Accounting Controls</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>10. Does your system have formal procedures and controls governing purchasing and work orders, and the selection of contractors and venders? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-10-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"This indicates a general lack of accountability and general looseness in procedures. Laxness in controls governing purchasing and work orders can lead to unanticipated or unaccounted for expenses.  Lack of clear protocols regarding contractors and vendors can result in higher costs and undermine public trust.",
valu,
4,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest011 = new Question(
"Question 11: Procedures Governing Collections (Other fiscal/Accounting Controls)",
0,
"<font face=\"Arial\" size=\"4\"><b>Other Fiscal/Accounting Controls</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>11. Does your system have clear procedures governing collections and penalties for late/non-payment, and are these procedures regularly followed? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-11-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"Poor collection procedures are a frequent symptom of systems with financial management problems.  Regular follow-up with delinquent customers and clear consequences for non-payment can help to increase the timeliness of payments and improve your cash flow.",
valu,
4,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest012 = new Question(
"Question 12: Record Keeping (Other fiscal/Accounting Controls)",
0,
"<font face=\"Arial\" size=\"4\"><b>Other Fiscal/Accounting Controls</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>12. Are your system's financial records organized and easily accessible? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-12-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"Good record keeping is necessary if you are to accurately track performance and be financially accountable.  In this day and age, use of computers has become an integral part of running a successful business.  If your system does not have a computer and staff with adequate computer training, consider making these investments.",
valu,
6,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest013 = new Question(
"Question 13: Covering Most Costs With Rates (Covering Full Costs and Rate Setting)",
0,
"<font face=\"Arial\" size=\"4\"><b>D. Covering Full Costs and Rate Setting</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><i>A bottom-line indicator of your water system’s financial health is whether you have the revenues available to cover the full cost of providing service.  Income from rates should be the life-blood of your financial wellbeing, and ultimately what you depend on to achieve and maintain fiscal self-sufficiency.  Your system may be able to utilize other revenue sources to strengthen its financial condition, but income from fees should comprise the bulk of your revenue stream.  Regular review and periodic increase in rates is needed if you are to keep up with inflation and account for the full cost of providing service.</i></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>13. Does your current rate structure cover all operating expenses, including and maintaining an operating reserve and paying debt service? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-13-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"A “no” response to this question is particularly serious if you are not covering expenses taking into account all of your revenue sources.  But failure to cover your operating expenses with rate income is also a warning sign as it may indicate reliance on less dependable and sustainable revenue sources, as well as a pattern of charging users less than the full cost of providing service.",
valu,
6,
0,
0,
"d.JPG");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest014 = new Question(
"Question 14: Covering Full Costs (Covering Full Costs and Rate Setting)",
0,
"<font face=\"Arial\" size=\"4\"><b>Covering Full Costs and Rate Setting</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>14. Does your current rate structure and other committed revenue sources cover the full cost of providing service, including adequate funding of a capital replacement reserve? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-14-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"This is also a significant warning sign, indicating that you are or will be operating in the red, unless you cut back on needed investments in your system.",
valu,
4,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest015 = new Question(
"Question 15: Financial Independence (Covering Full Costs and Rate Setting)",
0,
"<font face=\"Arial\" size=\"4\"><b>Covering Full Costs and Rate Setting</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>15. Is your system financially independent and self-sufficient (in that it neither receives support from nor provides support to other unrelated programs, deparments, or funds? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-15-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"If you receive revenue from other programs or funds, this may mean that you are not financially self-sufficient.  If your revenues are supporting unrelated activities, you are losing resources that could contribute to your financial health and long-term viability.  Instances may exist when you have decided to merge some of your operations with a wastewater district or share administrative tasks with another department.  But your accounting should still be kept separate to the greatest degree possible, with financial self-sufficiency a major objective.",
valu,
5,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest016 = new Question(
"Question 16: Rate Review (Covering Full Costs and Rate Setting)",
0,
"<font face=\"Arial\" size=\"4\"><b>Covering Full Costs and Rate Setting</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>16. Does your system review its rates at least once every two years? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-16-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=../diagram/wetdep_fr.htm border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"A rate review (not necessarily a rate increase) is generally needed at least every two years to ensure that you are adequately covering the full cost of providing service.  Less frequent review is a warning sign that you may be under pricing your service.",
valu,
3,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest017 = new Question(
"Question 17: Raising Rates (Covering Full Costs and Rate Setting)",
0,
"<font face=\"Arial\" size=\"4\"><b>Covering Full Costs and Rate Setting</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>17. Has your system actually raised rates within the past 6 years? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-17-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"There may be instances when raising your rates less than once every six years is warranted, especially if you have a steady or increasing customer base and your system is benefiting from improved management and/or economies of scale.  But, in general, a  “no” answer to this question indicates that there may be managerial, institutional or political pressures to keep rates low regardless of increasing expenses or needed investments.",
valu,
3,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest018 = new Question(
"Question 18: Credit Rating (Credit Worthiness)",
0,
"<font face=\"Arial\" size=\"4\"><b>E. Credit worthiness</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><i>Credit worthiness is considered one of the basic elements of financial capacity.  Even if are you are able to cover the majority of your costs through rates, you will ultimately need to borrow money, particularly to fund capital improvements and replacement.  Unless you are considered to be a good credit risk, you will have difficulty securing access to money.  A number of the other factors in this self assessment also affect credit worthiness, but the elements below are particularly pertinent.</i></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>18. If your system has a credit rating, is it Upper Medium Grade or higher; or if it does not have a credit rating, has an independent audit indicated your system’s financial condition to be in good standing and have you had no difficulty securing loans or bonds over the past 5 years? </b></font><br><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-18-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"If your credit rating is “medium” grade (either Baa Moody or BBB Standard& Poor’s or Fitch), your credit worthiness may still be adequate, although you should take steps to improve it.  If it is lower than this, you have a significant problem that may require an overhaul of the way you run your operation.  Any negative appraisals in your audit should be taken very seriously and addressed immediately, as should any difficulty in being able to secure credit.",
valu,
6,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest019 = new Question(
"Question 19: Meeting Obligations (Credit Worthiness)",
0,
"<font face=\"Arial\" size=\"4\"><b>Credit worthiness</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>19. Is your system current with its debt payments and has it met all of its contractual obligations? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-19-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"This deficiency should be taken particularly seriously if it is a recurring one, as opposed to an isolated incident.  If it hasn’t affected your credit worthiness yet, it will.",
valu,
4,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest020 = new Question(
"Question 20: Community Population Trends (Community Characteristics)",
0,
"<font face=\"Arial\" size=\"4\"><b>F. Community Characteristics</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><i>Although prudent fiscal management will have a strong bearing on your system’s financial condition, there are factors relating to the characteristics of the community you serve that may be largely out of your control.  In general, systems that serve declining populations with relatively low household income levels will find that they have to work harder to stay financially strong. While this challenge can be overcome with good planning and fiscal management, these realties on the ground need to be considered in the overall assessment of financial condition.</i></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>20. Over the past 20 years, has the population of the area you serve been either increasing or stable? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-20-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"This does not, in itself, indicate financial weakness, but it does mean that you may need to work particularly hard to maintain a positive revenue stream.",
valu,
2,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest021 = new Question(
"Question 21: Community Houshold Income (Community Characteristics)",
0,
"<font face=\"Arial\" size=\"4\"><b>Community Characteristics</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>21. Is the median household income for the area you serve over $30,000? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-21-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"This is a factor that is out of your control, but it may make it more difficult to raise rates to cover expenses.",
valu,
2,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest022 = new Question(
"Question 22: Financial Planning (Miscellaneous)",
0,
"<font face=\"Arial\" size=\"4\"><b>G. Miscellaneous</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><i>There are a number of other factors and indicators that should be considered in assessing financial health.  Some pertain to the extent to which your system plans for the future and makes adjustments based on analysis of relevant trends. Other factors involve the stability of your revenue stream, the adequacy of your management structure and accountability of water usage.</i></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>22. Do you regularly track your system’s financial performance and trends in your service community, and is this information used in short-term budget and longer range planning? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-22-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"Without conducting this type of planning and assessment you cannot make informed decisions and avoid future pitfalls.  The good news is that this is something you can change quite easily if you are willing to commit some time to it.",
valu,
3,
0,
0,
"g.JPG");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest023 = new Question(
"Question 23: Income Trends (Miscellaneous)",
0,
"<font face=\"Arial\" size=\"4\"><b>Miscellaneous</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>23. Over the past five years, has your system’s net income been either stable or rising, with no major annual fluctuations? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-23-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"Wide fluctuations in income is a warning sign, particularly if the dips fall below levels needed to cover expenses.  While these ups and downs often are a function of community characteristics beyond your control, you can take steps to reduce them or at least to factor them into your overall approach to fiscal management.",
valu,
3,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest024 = new Question(
"Question 24: Management Structure (Miscellaneous)",
0,
"<font face=\"Arial\" size=\"4\"><b>Miscellaneous</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>24. Does your system have a clear management structure that assigns responsible for financial management and control? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-24-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"Without such a clear management structure, it is difficult to make coherent and coordinated financial decisions.  A number of excellent resources exist for assessing and improving managerial capacity.",
valu,
6,
0,
0,
"");

resp=new Array("Yes","No")
corr=new Array("1","0")
comm=""
valu=""
quest025 = new Question(
"Question 25: Water Accountability (Miscellaneous)",
0,
"<font face=\"Arial\" size=\"4\"><b>Miscellaneous</b></font><br><br /><br><font face=\"Arial\" size=\"4\"><b>25. Are all of your customers metered and billed according to amount of water used, and, on an annual basis, is the average amount of unaccounted for water less than 10%? </b></font><a style=\"cursor: hand; cursor: pointer;\" onClick=\"window.open('question-25-moreinfo.htm', 'one',config='height=400,width=500')\"><img src=\"more-info.gif\" border=\"0\" alt=\"More Information\"/></a>",
resp,
comm,
corr,
"Lack of water accountability is a frequent characteristic of systems with financial issues. Even if your system is otherwise performing quite well, water loss represents a drain on resources that could be put to better use in strengthening your system financial standing.",
valu,
3,
0,
0,
"");

questions = new Array (
quest001,quest002,quest003,quest004,quest005,quest006,quest007,quest008,quest009,quest010,quest011,quest012,quest013,quest014,quest015,quest016,quest017,quest018,quest019,quest020,quest021,quest022,quest023,quest024,quest025)

function doQuestion(quest)
{
var numdo;
var numord=eval(quest+1);
var i=-1, ii, type, myname, gadget;
type=questions[quest].type;
numdo=type>=3?1:questions[quest].response.length;

if (opera && top==0) top=document.getElementById("wq_user").style.top;document.write("\n")
document.write("<div id=\"q")
document.write(numord)
document.write("\" ")
document.write(opera?" style=\"position: absolute; visibility:hidden; top:"+top+"; z-index:"+(++zin)+";\"":" style=\"display:none\"");
document.write(">\n")
document.write("  <table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\">\n")
document.write("  <tr>\n")
document.write("    <td>\n")
document.write("      <table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\">\n")
document.write("      <tr height=15>\n")
document.write("        <td colSpan=5></td>\n")
document.write("      </tr>\n")
document.write("      <tr>\n")
document.write("        <td width=\"5%\" rowspan=\"4\"><UL><UL><UL>   </UL></UL></UL></td>\n")
document.write("        <td width=\"8%\" rowspan=\"4\" background=\"m_topnumber.gif\" valign=\"top\" align=\"center\" >\n")
document.write("          <table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\">\n")
document.write("          <tr height=\"5\">\n")
document.write("            <td></td>\n")
document.write("          </tr>\n")
document.write("          <tr>\n")
document.write("            <td valign=\"top\" align=\"center\">\n")
document.write("              <font face=\"Verdana\" size=\"6\" color=\"#00399C\">")
document.write("</font>\n")
document.write("          </td>\n")
document.write("          </tr>\n")
document.write("          </table>\n")
document.write("        </td>\n")
document.write("        <td width=\"40%\" valign=\"top\" rowspan=\"3\">\n")
document.writeln(questions[quest].qstring)
document.write("        <br>\n")
for (i=0; i<numdo; i++) {
myname=questions[quest].qname;
gadget="radio";
if (type>=3) gadget="text";
else if (type==1) {
myname+="_"+(i<9?"0":"")+(i+1);
gadget="checkbox";}
document.write("\n")
document.write("          ")
document.write(type==7?"<textarea name=\""+myname+"\" rows=5 cols=30 class=\"input\">":" <input type="+gadget+" name=\""+myname);
if (type<3) document.write("\" value=\""+i+"\">\n")
else document.write(type==7?"</textarea>":"\" class=\"input\" value=\"\">\n")
if (type<3) document.write(questions[quest].response[i]);
document.write("<br>\n")
document.write("          ")
}
document.write("        </td>\n")
document.write("        <td width=\"40%\" class=\"question\" valign=\"top\">\n")
document.write("         ")
document.write("\n")
if (questions[quest].img!="") {
document.write("\n")
document.write("         <img border=\"0\" hspace=\"30\" vspace=\"0\" align=\"right\" valign=\"top\" src=\"")
document.write(questions[quest].img)
document.write("\">\n")
document.write("         ")
}
document.write("        </td>\n")
document.write("        <td width=\"5%\"></td>\n")
document.write("      </tr>\n")
document.write("      <tr height=1>\n")
document.write("        <td width=\"80%\" bgcolor=\"#00399C\" background=\"m_dots.gif\"></td>\n")
document.write("        <td width=\"5%\"></td>\n")
document.write("      </tr>\n")
document.write("      <tr height=10>\n")
document.write("        <td width=\"80%\"></td>\n")
document.write("        <td width=\"5%\"></td>\n")
document.write("      </tr>\n")
document.write("      <tr>\n")
document.write("        <td width=\"80%\" class=\"answer\">\n")
document.write("          ")
document.write("\n")
document.write("        </td>\n")
document.write("        <td width=\"5%\"></td>\n")
document.write("      </tr>\n")
document.write("      <tr height=5>\n")
document.write("        <td colSpan=5></td>\n")
document.write("      </tr>\n")
document.write("      </table>\n")
document.write("    </td>\n")
document.write("  </tr>\n")
document.write("  </table>\n")
document.write("</div>\n")
document.write("\n")
document.write("<div id=\"q")
document.write(numord)
document.write("a\" ")
document.write(opera?" style=\"position: absolute; visibility:hidden; top:"+top+"; z-index:"+(++zin)+";\"":" style=\"display:none\"");
document.write(">\n")
document.write("  <table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\">\n")
document.write("  <tr height=10>\n")
document.write("    <td>&nbsp;</td>\n")
document.write("  </tr>\n")
document.write("  <tr>\n")
document.write("    <td align=\"center\">\n")
document.write("      ")
if (quest>0) {
document.write("\n")
document.write("      <a href=\"javascript:void(0)\" ")
document.write(" onClick=\"myshow("+(quest)+",0)\"")
document.write(" onmouseout=\"flipImage ('Back")
document.write(numord)
document.write("', 'BackImage_normal');\" onmouseover=\"flipImage ('Back")
document.write(numord)
document.write("', 'BackImage_up');\"><img alt=\"Back\" border=0 height=34 width=85 name=Back")
document.write(numord)
document.write(" src=\"m_back_button.gif\"></a>\n")
document.write("      ")
}
document.write("\n")
document.write("      ")
if (quest<questions.length) {
document.write("\n")
document.write("      <a href=\"javascript:void(0)\" ")
document.write(" onClick=\"myshow("+quest+",2)\"")
document.write(" onmouseout=\"flipImage ('Next")
document.write(numord)
document.write("', 'NextImage_normal');\" onmouseover=\"flipImage ('Next")
document.write(numord)
document.write("', 'NextImage_up');\"><img alt=\"Next\" border=0 height=34 width=85 name=Next")
document.write(numord)
document.write(" src=\"m_next_button.gif\"></a>\n")
document.write("      ")
}
document.write("\n")
document.write("      ")
document.write("\n")
document.write("    </td>\n")
document.write("  </tr>\n")
document.write("  </table>\n")
document.write("</div>\n")
}
function doTest() {
var count, i;

count=questions.length;
for (i=0; i<count; i++) doQuestion(i);
}
function fill(s,l){
s=s+""
for (y=1;y<=l;y++)
if (s.length>=l) break; else s="0"+s;
return s
}
function CheckQName(wapf,ii,i,multi,selection){
var len;
if (!multi) return(wapf.elements[ii].name==questions[i].qname);
len=questions[i].qname.length;
if (wapf.elements[ii].name.substring(0,len)!=questions[i].qname) return false;
if (wapf.elements[ii].name.substring(len,len+1)!="_") return false;
if (eval(wapf.elements[ii].name.substring(len+1,len+3))==(selection+1)) return true;
return false;
}
function errore(uno,due,tre)
{
if (!errori) global[1]="<H3><u>Areas that Need Particular Attention</u> (Indicated by 'No' Answers)</H3>";
++errori;
cachewrite("<p><b>"+uno+"</b><br>"+due+"<br>"+mycomment+tre+"</p>",2);
mycomment="";
}
function correct(wapf)
{
var i, ii, t, re, tmp, selection, multi, multipage=1, type, isnull, iswrong, iscorrect, evaluation=0, total=0, udat;
errori=waitTime=0;
udat=new Array();
for (i=0, ii=0; i<wapf.elements.length; i++)
{tmp=wapf.elements[i];
if (tmp.name.substring(0,13)=="Quiz.UserData"){
t=tmp.name.substring(14,tmp.name.length);
re=new RegExp("_", "g");
t=t.replace(re," ");
udat[ii++]=t+": <i>"+tmp.value+"</i><br>";
if (opera) tmp.value="";}}
global[0]=global[2]="";
global[1]="<h3>Congratulations, no major weaknesses indicated.</h3>";
cachewrite("<html><head><title>Evaluation Page</title><BASE target='_blank'></head><body bgcolor='#FFFFFF'><font face='Verdana, Arial'><table border=0 cellpadding=0 cellspacing=0 width='100%' bgcolor='#C0C0C0'><tr><td width='100%'><font face='Verdana, Arial' size=5 color='#FFFFFF'><b><center>EVALUATION PAGE<center></b></font></td></tr></table>",0)
now= new Date()
//cachewrite("<small><p>"+fill((now.getMonth()+1),2)+"/"+fill(now.getDate(),2)+"/"+now.getYear()+"  "+fill(now.getHours(),2)+":"+fill(now.getMinutes(),2)+"</p>",0)
//cachewrite("<b>Three Questions Prototype</b><br><br>\n",0);
if (udat.length>0) {
//cachewrite("<b>Information</b><br>\n",0);
cachewrite("<p></p>\n",0);
for (i=0; i<udat.length; i++) cachewrite(udat[i],0);}
if (opera7 && multipage) {
for (i=0; i<questions.length; i++) {
id=document.getElementById("q"+(i+1));
id2=document.getElementById("q"+(i+1)+"a");
id.style.display=id2.style.display="block";}
document.getElementById('wq_final').style.display='block';
}

for (i=0; i<questions.length; i++) {
if (opera && multipage) {
id=document.getElementById("q"+(i+1));
id2=document.getElementById("q"+(i+1)+"a");
id.style.visibility=id2.style.visibility="visible";}
type=questions[i].type;
if (type==1) multi=1;
else multi=0;
isnull=true;
iscorrect=false;iswrong=false;
selection=0;
evaluation=0;
mycomment="";
for (ii=0; ii<wapf.elements.length; ii++) {
if (CheckQName(wapf,ii,i,multi,selection)) {
if (type>=3 && wapf.elements[ii].value!="") {
isnull=false;
if (wapf.elements[ii].value.toLowerCase()==questions[i].corrects.toLowerCase()) iscorrect=true;
else iswrong=true;
++selection;}
else if (wapf.elements[ii].checked) {
if (questions[i].score!="") evaluation+=questions[i].score[selection];
if (isnull) isnull=false;
if (questions[i].corrects[selection]=="1") iscorrect=(iswrong==false)?true:false;
else {
iswrong=true;
if (multi && questions[i].corrects!='') errore(questions[i].qname,"The checkbox  <i>"+questions[i].response[selection]+"</i>  shouldn't have been selected.",questions[i].explan)
}
if (questions[i].comment!="" && questions[i].comment[selection]!="")
mycomment+=((iscorrect || questions[i].corrects=='')?"<b>"+questions[i].qname+"</b><br>":"")+"<small>"+questions[i].comment[selection]+"</small><br>";
} else {
if (questions[i].corrects[selection]=="1") {
iswrong=true;
if (multi && questions[i].corrects!='') errore(questions[i].qname,"The checkbox  <i>"+questions[i].response[selection]+"</i>  should have been selected.",questions[i].explan);
}}
++selection;
}}
if (multi==false && (isnull || iswrong)) {
var okresp="", z;
if (type>=3) okresp=questions[i].corrects;
else {
for (z=0; z<questions[i].corrects.length; z++) {
if (questions[i].corrects[z]==1) {
okresp=questions[i].response[z];
break;
}}}
if (okresp!="") errore(questions[i].qname,"",questions[i].explan);
}
if (mycomment!="") cachewrite(mycomment,2);
if (questions[i].corrects!="") ++qright;
if (isnull) evaluation+=questions[i].ifnull;
else if (iswrong) evaluation+=questions[i].ifwrong;
else if (iscorrect) evaluation+=questions[i].ifcorrect;
total+=evaluation;}
if (qright==0) global[1]="<br>";
//if (errori) cachewrite("<br><b>Your "+(errori==1?"answer":"answers")+" to "+errori+" "+(errori==1?"question":"questions")+" indicates potential financial capacity problems or challenges.</b>",2);
cachewrite("<br><b><u><font size=+1>Weighted Score</font></u><br>"+total+" out of 100 points.</b><br>",2);

cachewrite("<br><b><u><font size=+1>Overall Assessment of Financial Condition*</font></u></b><br><p></p>"+GetEval(total)+"<br>",2);
cachewrite("<br>*This assessment of financial condition focuses on the identification of warning signs that might indicate capacity problems or challenges. An <I>excellent</I> or <I>good</I> rating, while generally indicating few or no clear warning signs, should not be taken to mean that your system has no financial capacity issues or challenges.  Even for questions for which you answered <I>yes,</I> there is usually more your system can do to enhance its financial condition regarding revenue sufficiency, fiscal controls, credit worthiness and other factors.  The following <A target=\"blank\" href=\"OnlineTrainingResources.htm\">On-Line Training Page</A> page provides valuable links to resources that can help your system better address identified deficiencies and further enhance its financial capacity. <br>",2);
cachewrite("<br><b><a href=\"OnlineTrainingResources.htm\">Go To On-Line Training Page</a></b><br>",2);
cachewrite("<br><b><a href=\"TermsandDefinitions.htm\">Go To Terms and Definitions Page</a></b><br>",2);
cachewrite("</small>",2)
cachewrite("<hr noshade><center><form>",2)
printest="print()";
cachewrite("<input type='button' value='Print...' onClick='"+printest+"'>    ",2)
cachewrite("<input type='button' value='Close' onClick='window.close()'></form></center>",2)
cachewrite(aknw,2)
winr=window.open('','wapres', 'titlebar=1,location=0,directories=0,menubar=1,toolbar=0,scrollbars=1,resizable=1,status=1')
for (i=0; i<3; i++) winr.document.write(global[i]);winr.document.close()
if ((opera || opera7) && multipage) {
document.forms[0].elements[0].value='Print...';
document.forms[0].elements[1].value='Close';
for (i=0; i<questions.length; i++) {
id=document.getElementById("q"+(i+1));
id2=document.getElementById("q"+(i+1)+"a");
opera?id.style.visibility=id2.style.visibility="hidden":id.style.display=id2.style.display="none";}}
}
aknw="<br><p align='center'><small><small>Created and managed with <a title='Click here to visit WebQuiz site' href='http://www.smartlite.it/go.asp?OLDLP' target = '_blank'>SmartLite WebQuiz</a></small></small></p>"
function GetEval(total)
{
var minval, maxval, valstr, top, i;
minval=new Array(100,95,90,80,-500);
maxval=new Array(500,99,94,89,79);
valstr=new Array("Excellent","Good","Fair","Marginal","Poor","non disponibile.");
top=minval.length;
for (i=0;i<top;i++) if (total>=minval[i] && total<=maxval[i]) break;
return(valstr[i]);}
function checkBrowser()
{
var browser=new Array('microsoft internet explorer','netscape','opera');
var version=new Array(5,5,6);
for (i=0; i<3; i++) {
var ref, pos=navigator.appVersion.lastIndexOf('MSIE ');
if (pos == -1) ref=parseInt(navigator.appVersion);
else {pos+=5;ref=eval(navigator.appVersion.charAt(pos));}
if (navigator.appName.toLowerCase()==browser[i] && ref>=version[i])
break;}
if (i==3) {
alert('The browser'+navigator.appName+' '+navigator.appVersion+' is not supported');
return false;}
return true;}
function myshow(count,dif)
{
var id, id2, wq_user, id_str, id2_str;
if (recdone==false && checkBrowser()==false) return;
if (recdone==false && waitTime!=0) checkTime();
if (dif>0) {
if (nestcom==false) {showcomment(count,true);if (nestcom) return;}
if (nestcom) showcomment(count,false);
count+=dif;}
else if (dif==0 && nestcom) showcomment(count,false);
mycount=count;
if (count==questions.length+1) {id_str="wq_final";id2_str="wq_final2"}
else {id_str="q"+count;id2_str="q"+count+"a";}
if (document.getElementById){
id=document.getElementById(id_str);
id2=document.getElementById(id2_str);
wq_user=document.getElementById("wq_user");
if (count==questions.length+1 && opera) {id2.style.top=id.style.top+id.style.height;}
} else if (document.all) {
id=document.all[id_str];
id2=document.all[id2_str];
wq_user=document.all["wq_user"];
} else {
id=eval(id_str);
id2=eval(id2_str);
wq_user=eval("wq_user");}
if (recdone==false) {
recent=wq_user;
recent2="";
recdone=true;}
opera?recent.style.visibility="hidden":recent.style.display="none";
if (recent2!="") opera?recent2.style.visibility="hidden":recent2.style.display="none";
opera?id.style.visibility="visible":id.style.display="block";
opera?id2.style.visibility="visible":id2.style.display="block";
if (count<questions.length+1 && questions[count-1].type>2) document.WapForm.elements[questions[count-1].qname].focus();
recent=id;recent2=id2;}
function do_reposition(){
var id, id2, wq_user, wq_final, wq_footer, i, y, h, max=0;
wq_user=document.getElementById("wq_user");
if (mycount>0) wq_user.style.visibility="hidden";
for (i=1; i<=questions.length; i++) {
id=document.getElementById("q"+i);
id2=document.getElementById("q"+i+"a");
id2.style.top=id.style.top+id.style.height;
h=id2.style.height;y=id2.style.top;
if (mycount==i) id.style.visibility=id2.style.visibility="visible";
if (y+h>max) max=y+h;}
wq_final=document.getElementById("wq_final");
wq_footer=document.getElementById("wq_footer");
if (wq_final.style.visibility!="hidden") {
wq_final.style.top=max;max+=wq_final.style.height;}
if (wq_footer.style.visibility!="hidden") {
wq_footer.style.top=max;}
}
function reenable(n){
var wapf=document.WapForm, selection=0;
nestcom=false;
for (i=0; i<wapf.elements.length; i++){
if (CheckQName(wapf,i,n,questions[n].type==1?1:0,selection)) {
++selection;
wapf.elements[i].disabled=false;
}}}
function getspecific(n,general){
var iscorrect=false, iswrong=false;;
var wapf=document.WapForm, selection=0, result="";
for (i=0; i<wapf.elements.length; i++){
if (CheckQName(wapf,i,n,questions[n].type==1?1:0,selection)){
if (questions[n].type>=3 && (questions[n].corrects=="" || wapf.elements[i].value.toLowerCase()==questions[n].corrects.toLowerCase()))
iscorrect=true;
if (questions[n].type<3) {
if (questions[n].corrects[selection]=="1") {
if (wapf.elements[i].checked) iscorrect=(iswrong==false)?true:false;
else {iswrong=true;iscorrect=false;}
} else {
if (wapf.elements[i].checked) {iswrong=true;iscorrect=false;}}
if (questions[n].comment!="" && wapf.elements[i].checked)
if (questions[n].comment[selection]!="") result+=questions[n].comment[selection]+"<br>";
++selection;
}
wapf.elements[i].disabled=true;
}}
if (general!="" && iscorrect==false) result+="<UL><font face=\"Arial\" size=\"4\" style=\"color:red\"><b>"+general+"</b></font></UL>";
return result;
}
function showcomment(n,show){
var mylayer, specific, text="";
if (n>=questions.length) return;
if (show) specific=getspecific(n,questions[n].explan);
if (specific!=""){
if (document.getElementById)
mylayer=document.getElementById("wq_inline");
else if (document.all)
mylayer=document.all["wq_inline"];
else mylayer=eval("wq_inline");
mylayer.innerHTML=specific;
opera?mylayer.style.visibility=(show?"visible":"hide"):mylayer.style.display=(show?"block":"none");
nestcom=true;}
if (show==false || specific=="") reenable(n);}