var sHeader;
var sBody;
//	Header = aThisTooltip[0]
//	Body = aThisTooltip[1]

//	Loan Cost Index
sHeader = "What does the Loan Cost Index mean?";
sBody = "The Loan Cost Index represents the cost of a student loan in today's dollars. A loan score of 120 means that for every $100 you borrow, you will pay back the equivalent of $120 (in today's dollars). The loan will essentially cost you $20 (in today's dollars).<br><br>"
				+ "This calculation takes into account the time value of money. Because of inflation and because you could earn interest on money received today, $100 today would be worth more than $100 in 10 years.<br><br>"
				+ "<b>What is included in the Loan Cost Index?</b><br>"
				+ "It takes into account the following factors:"
					+ "<ul><li>Amount of Loan"
					+ "<li>Loan Term<li>Interest Rate"
					+ "<li>Loan Fees (e.g., origination fees, application fees)"
					+ "<li>In-School Periods / Grace Periods"
					+ "<li>Interest Capitalization"
					+ "<li>Interest Subsidies"
					+ "<li>Borrower Benefits</ul>";
var iCostIndex = AssignTextToTooltipArray(sHeader, sBody);

//	Effective Interest Rate
sHeader = "What is the Effective Interest Rate?";
sBody = "It is another measure of the cost of the student loan. The higher the effective interest rate, the more costly the loan.  Using a standardized loan with no fees or borrower benefits, we calculate the Effective Interest Rate. This standardized loan with the calculated Effective Interest Rate will have the same Loan Cost Index as your loan.";
var iEffectiveInterest = AssignTextToTooltipArray(sHeader, sBody);

//	Loan Term
sHeader = "Loan Term";
sBody = "The length of time allowed for a borrower to repay a loan. The loan term begins once the loan has entered repayment.";
var iLoanTerm = AssignTextToTooltipArray(sHeader, sBody);

//	Repayment Fee
sHeader = "Repayment Fee";
sBody = "A fee charged on the loan when repayment begins.  If you begin repayment after the in-school and grace period, the repayment fee will be charged on your principal at that time.";
var iRepaymentFee = AssignTextToTooltipArray(sHeader, sBody);

//	Origination Fee
sHeader = "Origination Fee";
sBody = "A fee charged by a lender to cover administrative costs for the loan. For federal loans, the origination fee is deducted from the principal.";
var iOriginationFee = AssignTextToTooltipArray(sHeader, sBody);

//	Upfront Fee
sHeader = "Upfront Fees";
sBody = "Fees charged by a lender at the disbursal of a loan.  This may include an origination fee and a federal default fee.";
var iUpfrontFee = AssignTextToTooltipArray(sHeader, sBody);

//	In-School Period
sHeader = "In-School Period";
sBody = "The period during which a borrower is pursuing his/her studies. For Stafford loans, the in-school period begins when the loan is disbursed and continues while the student is studying at least half-time.";
var iInSchoolPeriod = AssignTextToTooltipArray(sHeader, sBody);

//	Grace Period
sHeader = "Grace Period";
sBody = "A period offered to a borrower following graduation and before loan repayment begins. For Stafford loans, the grace period can be up to 6 months. Remember, though, that on unsubsidized loans, interest will continue to accumulate.";
var iGracePeriod = AssignTextToTooltipArray(sHeader, sBody);

//	Subsidized Loan
sHeader = "Subsidized Loan";
sBody = "A loan for which the interest is paid by the government while the student is in school, during the grace period, and during authorized periods of deferment.";
var iSubsidizedLoan = AssignTextToTooltipArray(sHeader, sBody);

//	Interest Capitalization
sHeader = "Interest Capitalization";
sBody = "Adding unpaid interest to a loan's principal for the calculation of future interest. Each interest charge increases as a result of the unpaid interest from previous periods. Because capitalization occurs, the principal and future interest payments are increased, possibly considerably.<br><br>"
		+ "Consider the following simple example:"
		+ "<ul><li>$1,000 / year Loan"
		+ "<li>6% Annual interest"
		+ "<li>Deferred payments for four years while student attends college</ul>"
		+ "The student has borrowed $4,000 dollars over the four year period ($1,000/year * 4 years). However, due to capitalization and interest, that student owes $4,637 upon graduation, a 16% increase on the original $4,000 principal.";
		
var iInterestCapitalization = AssignTextToTooltipArray(sHeader, sBody);

//	Federal Default Fee
sHeader = "Federal Default Fee";
sBody = "A required fee on all federal education loans. Some lenders may choose to pay the fee on a student's behalf. The federal default fee is deducted from the principal. The fee is intended to fund services to help student-loan borrowers who experience difficulty making their payments so they can avoid some of the expense and consequences of defaulting on their loans.";
var iFederalDefaultFee = AssignTextToTooltipArray(sHeader, sBody);

//	Principal vs. Amount Recieved
sHeader = "Principal vs. Amount Recieved";
sBody = "The principal is the amount borrowed from a lender. The principal serves as the basis on which interest is calculated. This amount may be different from the amount you receive due to up-front fees, including origination fees and default fees, which may be deducted from the principal prior to disbursement. For example, you may take out a $10,000 Stafford Loan with a 3% origination fee and a 1% federal default fee. In this scenario, your principal is $10,000, but the amount you receive is $9,600.";
var iPrincipal = AssignTextToTooltipArray(sHeader, sBody);

//	Take Rate
sHeader = "Take Rate";
sBody = "The Take Rate is the percentage of students who actually received this benefit.  For example, a Take Rate of 10% means that out of all the students who took out the loan, only 10% qualified for the benefit.";
var iTakeRate = AssignTextToTooltipArray(sHeader, sBody);