FAQ
Browse through these answers to our most asked questions to see how MBSQuoteline can help you make more money and become an expert in the mortgage industry. If you don't find what you're looking for, feel free to contact us. We look forward to serving you.
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Most Frequently Viewed Questions
What is the relationship between Treasury prices and MBS prices?
Unfortunately there is no simple answer to this question. Treasury securities and MBS are substitute investments for a fixed income portfolio, but MBS are more complicated. The main thing to keep in mind is that nearly every event which causes Treasury prices to rise will also cause MBS prices to rise, and likewise if the former fall, then the latter will, too. For a more comprehensive explanation please read Understanding the Markets.
Does MBSQuoteline make lock/float recommendations?
We constantly watch the MBS markets and alert you in advance whenever repricing is likely, so that you will have time to react before it occurs. We believe that getting an occasional extra eighth or quarter of a point is a big deal.

We also analyze every event in both the short term and the longer term that may impact MBS prices and address the degree of risk each poses. Our approach recognizes that the risk tolerance and time horizon of each person is different, so the only proper forecasting method would be to tailor every recommendation based on your unique preferences. Otherwise it would be similar to a financial advisor recommending the same investment portfolio for all of our members. We always provide the most up to date assessment of MBS market conditions and risks on the horizon, so that you can make the best decisions when you need to based on the amount of risk you are comfortable with.

By nature, markets react to the unknown. In most cases, we believe that an accurate assessment of the riskiness of the market, meaning how likely it is that there will be large price movements, is the proper criteria for making your decisions.
When do MBS markets open and close?
MBS markets trade continuously around the world, but for all practical purposes US investors focus on a trading day between 8:00 AM est and 4:00 PM est. On volatile days, MBS prices occasionally continue to move after 4:00 PM et, so we monitor the market and display prices on the daily graph until 6:00 PM et.

The daily pricing is typically released by investors around 9:45 AM est, and repricing will usually occur during business hours.
Am I allowed to put your information on my website or in my newsletter?
No. Our Terms of Use do not permit you to reproduce any material from MBSQuoteline without our permission. Please contact us at 1-800-627-1077 if you are interested in finding out more.
How will I be billed?
Mobile Access
Can I access live MBS prices and other market information on my phone?
Yes. Simply enter www.mbsquoteline.com from your mobile device and our auto detect intelligence will render optimized viewing of the mobile version of our web site. Enter the same user name and password as you use for the desktop version to log in. Tap the button to load an MBSQuoteline icon to your home screen and activate the Keep Me Logged In feature. After these steps are completed, future access to live prices and other market information on your mobile device is just a tap of the icon and a tap to log in.
How do I add the MBSQuoteline icon to my mobile home screen?
Open a browser in your phone and enter www.mbsquoteline.com. iPhone users will be prompted to tap the Up Arrow Share button and the icon will appear. For Android users, tap the menu button and then "Add to home screen”. In both cases, you may need to identify the icon as MBSQuoteline.
What is the "Remember Me” feature?
The "Remember Me" feature allows you to access the mobile site without having to reenter your user name and password each time you log in. To get the benefit of this feature you must not use the Log Off button when you exit the site. Simply begin another activity on your mobile device. You will not remain actively connected to the MBSQuoteline site while your phone is off or you are active with something else.
What is auto detect intelligence?
Auto detect intelligence recognizes the device from which you are logging in to MBSQuoteline and directs you to the desktop site if you are coming from a desktop computer or to the mobile version if you are coming from a mobile device.
Can I be logged in on both the mobile site and the desktop site at the same time?
No. You can be logged in to only one site at a time. If you are already logged in to the desktop version, when you log in to the mobile version you will be logged off the desktop version, and vice versa.
Can I switch between the mobile site and the desktop site on my smartphone?
At the bottom of each page on the mobile site you will see "Switch to desktop version”. Tap this and you will be sent to the desktop version. IPhone users will need to log in again. Android users will be sent directly to the desktop Member Home Page. There is no ability to switch back to the mobile version without logging in to the mobile version again.
When I log in from my tablet I am taken to the mobile site, but I want to go to the desktop version. How can I go straight to the desktop version from my tablet?
Log in to www.mbsquoteline.com from your tablet. You will be directed to the mobile site. Log in to the mobile site. Tap Switch to Desktop Version. Log in to desktop version and use the remember me feature. Load the MBSQuoteline icon on your tablet. To load the icon, iPad users will be prompted to tap the Up Arrow Share button and the icon will appear. Android users will tap the menu button and then ‽Add to home screen”. In both cases, you may need to identify the icon as MBSQuoteline.
Features
What does live pricing mean?
Unlike others, we offer streaming real-time prices. This means that as soon as MBS traders execute a trade, we post the price of the trade within seconds. In short, we immediately update prices taken straight from the source.
What pricing data do you provide?
We offer streaming real-time prices for mortgage-backed securities and treasuries including Fannie Mae (FNMA), Ginnie Mae (GNMA), and Freddie Mac (FHLMC). The premium service level also includes Ginnie Mae II (GNMA II) and third month MBS prices. For the complete list of additional prices, go to the MBS Prices & Money Rates Section.
What features do you offer?
We offer streaming real-time prices for mortgage-backed securities and treasuries, top stories and analysis of news moving the MBS market, and more. The information is available on your desktop or your mobile device. Market updates and alerts are emailed and or text messaged to you throughout the day. A personalized market summary, Mortgage Time, is produced for you each week and emailed to you to be forwarded by you to your clients and/or referral partners as you choose.
What information is displayed on the RNY chart?
The chart of FNMA RNY shows the daily movement for the last three months. You can change the time frame to show periods between one month and twelve months of daily data, as well as 3,5, or 10 years of monthly data.
Can I access past data?
Yes. Our charting tools allow you to see historical data with a few simple clicks of your mouse. For example, you can see either one week or one month of events on the Economic Calendar simply by clicking on the week or month you want to see.
What information is displayed on the Home Page Chart?
The chart on the Home Page displays MBS prices for the current day, which enables you to judge the price action at a glance. The side axis shows the price change in units of 1/32 of a point. The bottom axis runs from 8:00 AM et to 6:00 PM et. You can quickly get a feel for the volatility of each session, and you can conveniently look up the price at any time earlier in the day, such as the morning pricing level. In addition, you can see the reaction to an important piece of news. Placing the mouse on a point on the chart will display the price and time associated with that piece of data. You will quickly see that this chart is a valuable tool for efficient information management.

Prices on the chart reflect the gains or losses since the prior day's close. For example, a change of .02 means that MBS prices are 2/32 higher than yesterday's closing level. Similarly, -.04 means 4/32 lower, and .00 indicates no change from the prior day's closing level. Positive changes for the day are shown in black and negative changes for the day are shown in red.

You can choose to display the GNMA pricing chart on the homepage in place of the FNMA chart. You can easily switch back and forth between the two charts at any time with one button click.

Please note that the quoted pricing in all our updates is based on FNMA pricing.

Located below the pricing chart, there is a conversion table dropdown box which shows the conversion between 32nds and basis points.
Why do you offer daily, weekly, and monthly analysis?
This is for your benefit. Different time frames will give you different perspectives and serve different purposes.

Daily News & Analysis
Get right to the meat of the market by following top stories as they happen. With MBSQuoteline, you're constantly connected to the news and events moving the MBS market, including expert analysis that digs even deeper into what's happening. When you know what's moving the market and why, your clients see you as the expert, and knowledge becomes more than power, it becomes profit.
Week in Review
With a quick, concise weekly recap, you know where you've been and where you're going. Not only can you reflect on the news and numbers that shaped the market last week, you can give your clients something to think about. Use the MBSQuoteline Week In Review as an update for clients, or to keep in touch with realtors. It's an impressive reminder of how diligently you're tracking the market on their behalf. This great marketing tool -- an MBSQuoteline exclusive -- is e-mail and printer friendly. Just click on the link and send it on.
Month in Review
There's nothing like a little historical perspective when it comes to the market. A comprehensive look at where last month went and where next month is going, puts yet another powerful tool in your hands. Why not share it with your clients and realtors? Interesting and informative, it's another great marketing tool available exclusively to MBSQuoteline subscribers.
Why don't you display trading volume for MBS markets?
If it were available, we would display trading volume for MBS markets. Volume measures are generally available only for equity markets, however. For bond markets, Wall Street dealers often have a pretty good sense of the trading volume, based on the volume observed at their own firm and through talking to other dealers, but there is no overall collection of volume data.

Trading volume sometimes has an impact on MBS markets. During periods of light trading volume, movements in MBS prices may be larger than average. With fewer active participants, prices might have to move by a greater amount to find someone willing to take the opposite side of a large trade.
What economic events do you cover?
Economic reports covered include: Chicago Purchasing Managers Index, Conference Board Consumer Confidence, Consumer Price Index (CPI), University of Michigan Consumer Sentiment, Construction Spending, Durable Goods Orders, Employment Cost Index, Employment Report, Existing Home Sales, Factory Orders, FOMC Meetings, Gross Domestic Product (GDP), Housing Market Index, Housing Starts & Building Permits, Industrial Production, Capacity Utilization, Initial Jobless Claims, ISM Manufacturing Index, Index of Leading Indicators (LEI), MBA Applications Survey, New Home Sales, Non-Farm Payrolls, NY Fed Empire State Manufacturing Survey, Personal Income, Personal Spending, Producer Price Index (PPI), Productivity, Regional Manufacturing Surveys, Retail Sales, Unemployment Rate, and Wholesale Inventories. Also covered are economic events that shape the market - Federal Open Market Committee (FOMC), G7 meetings, Treasury Auctions, Federal Reserve Speakers and other key speakers.
Can I access past news and analysis?
Yes. All of our daily, weekly, and monthly reports are archived and conveniently organized for your quick access at any time.
What is the Mini-Window?
The Mini-Window is located in a dropdown box below the pricing chart on the Homepage. It allows you to select one of three options to display in a small window which can remain open even if you minimize the website. The three choices include a Summary Prices table, FNMA Change Tracking, and GNMA Change Tracking. Please note that if other programs are open, they must be partially minimized (not take up the full screen) or they will cover the Mini-Window.
Company
How will a MBSQuoteline membership benefit me?
From loan officers to managers MBSQuoteline puts all the tools that mortgage professionals need to make savvy decisions in one place. Get streaming real-time prices for mortgage-backed securities and treasuries, top stories and analysis of news moving the MBS market, and more. Now you can manage risk to your advantage and handle every turn the market takes. MBSQuoteline is designed to make you more successful, from making better lock/float decisions, to marketing yourself as a trusted advisor.
What is MBSQuoteline?
MBSQuoteline is the total resource for mortgage professionals, including streaming real-time prices. Thousands have turned to us over the last 15 years to report all the relevant news in clear, concise language. Please go to About Us for a complete description of MBSQuoteline and its staff.
What makes real-time prices and updates critical?
MBS prices can move at any time. When important news is released, for example, they often react instantly, which makes it critical to be informed immediately. Sometimes the news is scheduled in advance, such as economic data releases and Federal Reserve meetings. In these cases, we will inform you in advance that a potentially volatile event is on the horizon so you can plan accordingly, and then we will report the outcome to you as it happens, allowing you to be one of the first to react. Occasionally unexpected news occurs, such as a terrorist attack, and this provides a much greater challenge for a mortgage professional. You can't plan for the unknown. For these situations, it's absolutely critical to have access to real-time analysis and pricing, and this is when you will gain the greatest advantage over your competitors by using MBSQuoteline. You will discover that in uncertainty lies the greatest opportunity. Handled properly, your early reaction will lead to better execution prices and happier customers. Finally, since investors can trade for their own reasons, prices sometimes move at seemingly random times for no apparent reason.
Subscribe
How will I be billed?
If you choose to pay on a monthly basis, we will set your credit card to be charged on the same day each month. A payment confirmation will be emailed to you with each charge. If you prefer fewer transactions or if you prefer to pay by check, we can set you account to be billed quarterly or annually. Please see Terms and Conditions for our cancellation policy.
Are there group discounts?
Yes. Please call to discuss corporate or group rates.
1-800-627-1077
How can I become a member?
You can quickly become a member by filling out our short Join page.
Can I cancel easily and conveniently?
Yes. With one simple phone call to our 800 number you can cancel at any time with no hassle and no pressure.
How does your guarantee work?
We're so confident that your MBSQuoteline subscription will help you make better lock/float decisions, make more money and become more of an expert in your clients' eyes, that at any time within 30 days of joining, if you are not completely satisfied you can cancel your subscription and receive a full refund. No questions asked. We've taken all the risk out of subscribing to MBSQuoteline, so you can take advantage of all the rewards. See Terms and Conditions for more information.
Will I receive a lot of unwanted emails from you?
Absolutely not. Our purpose is to increase your efficiency, not to waste your time with frivolous emails. You will have the option to receive valuable email alerts about price movements, but we will send them only if you choose to receive them. Otherwise we will send out unsolicited emails very infrequently to tell you about new features or for similar purposes.
Will you share my information?
No. We will not share it with anyone. Privacy Policy
Is my credit card information safe?
Yes. MBSQuoteline utilizes the services and security of Braintree, a division of Paypal, to collect and store your credit card information. We do not have access to your complete credit card information. Braintree is a well known worldwide provider of secure credit card services. Braintree is PCI compliant. MBSQuoteline is PCI compliant.
Using
How do I share my newsletter on social media?
------LinkedIn
Log on to your LinkedIn page.
-Where it says "Share an update…" type a note/intro, for example "Mortgage news from MBSQuoteline this week…" then reiterate the newsletter title.
-Scroll to the bottom of your newsletter. Hold your mouse over URL link starting with "http://www/mbsnewsletter…”, right click and select " Copy Hyperlink."
-Return to LinkedIn and after the note you typed, right-click your mouse and choose PASTE.
-Then click on SHARE!

------Facebook
Log in to your Facebook account.
-Where it says "Share an update…" type a note/intro, for example "Mortgage news from MBSQuoteline this week…" then reiterate the newsletter title.
-Scroll to the bottom of your newsletter. Hold your mouse over URL link starting with "http://www/mbsnewsletter…”, right click and select " Copy Hyperlink."
-Return to Facebook and after the note you typed, right-click your mouse and choose PASTE.

Then click on POST!

-----Twitter
-Log on to your Twitter page.
-In the open box to ”Compose new Tweet”, type a note/intro, for example "Mortgage news from MBSQuoteline this week…" then reiterate the newsletter title.
-Remember to keep it short due to the max character length in Twitter.
-Scroll to the bottom of your newsletter. Hold your mouse over URL link starting with "http://www/mbsnewsletter…”, right click and select " Copy Hyperlink."
-Return to Twitter and after the note you typed, right-click your mouse and choose PASTE.
-Then click on TWEET!
How do I forward my newsletter?
In your email program we suggest you set up a "New Distribution Group" with a list of contacts you want to receive the newsletter.

In MS-Outlook, select your address book and click "New Items” in the top left corner, then "More Items” then 'Contact Group”.

Name the new group something that will help you to remember who is included in this group, such as 'MBSQuoteline Friday Newsletter”.

Add individuals by using "Add Members” (brings up options; double click on each name to add) or by selecting "New E-Mail Contact” to individually enter names and email addresses.

--------------We suggest keeping the size of your distribution lists under 50 recipients so you are not detected as spam. If you have more than 50 you'll need to create multiple distribution lists.

On Fridays, upon receipt of your Mortgage Time newsletter, select the Forward command. Delete the text "FW:" that precedes "MBSQuoteline Weekly Newsletter". Delete the "To/From/Subject/Sent" information that appears directly above the newsletter.

Now enter a name of one of your Contact Groups, in the BCC field. *****Doing so insures the privacy of all recipients (each person's name & email address will not be visible to all others receiving the newsletter).

We suggest that you enter your email address in the "To” field so that you receive a copy and know that it was sent properly.

Hit "Send" .
Am I allowed to put your information on my website or in my newsletter?
No. Our Terms of Use do not permit you to reproduce any material from MBSQuoteline without our permission. Please contact us at 1-800-627-1077 if you are interested in finding out more.
Can I send your info to a friend or share it with my customers?
Yes. You can easily email a page from the MBSQuoteline website, such as a daily report, to a friend or customer subject to the Terms of Use.
How often do your web pages refresh?
MBSQuoteline will automatically refresh every time we post any new information so you will always receive the most recent information. New prices will be sent within seconds every time there is a change in prices, as soon as the trade occurs in the market.
How Do I Autofill my Username and Password for Faster Login?
Autofill is currently a feature that is found in most browsers that fills out your username and password for you.

All the latest versions of Internet Explorer (IE) use the Autocomplete feature to perform the Autofill function. But if you need to do so manually open IE then go
to -> Tools -> Internet Options -> Content Tab -> AutoComplete section
-> Settings -> Check All Boxes -> OK

The latest version of Firefox uniquely enables the Autofill feature automatically. Note that if you have never filled out a form before, you need to input all of your information the first time before Autofill will begin to work with Firefox.

If you use Google Chrome open the Google Chrome browser. Click on Menu button -> Settings -> Show advances settings...Under the Passwords and Forms, check Enable Autofill to fill out web forms in a single click -> Click Manage Autofill settings. Fill out all the settings you want saved and click OK then Done.

Safari users open the browser -> Menu -> Preferences -> Click or tap the AutoFill tab -> select the checkboxes next to the forms you would like Safari to fill in automatically.

For the mobile site, see FAQ for the "Keep Me Logged In" feature.
Markets
Does MBSQuoteline make lock/float recommendations?
We constantly watch the MBS markets and alert you in advance whenever repricing is likely, so that you will have time to react before it occurs. We believe that getting an occasional extra eighth or quarter of a point is a big deal.

We also analyze every event in both the short term and the longer term that may impact MBS prices and address the degree of risk each poses. Our approach recognizes that the risk tolerance and time horizon of each person is different, so the only proper forecasting method would be to tailor every recommendation based on your unique preferences. Otherwise it would be similar to a financial advisor recommending the same investment portfolio for all of our members. We always provide the most up to date assessment of MBS market conditions and risks on the horizon, so that you can make the best decisions when you need to based on the amount of risk you are comfortable with.

By nature, markets react to the unknown. In most cases, we believe that an accurate assessment of the riskiness of the market, meaning how likely it is that there will be large price movements, is the proper criteria for making your decisions.
What information is displayed in the Home Page Pricing Tables?
MBS prices for the 3 major agencies for 15 yr and 30 yr securities are displayed. The gains or losses since the prior day's close are also shown. For example, a change of .020 means that MBS prices are 2/32 higher than at yesterday's closing level. Similarly, -.040 means 4/32 lower, and .000 indicates no change from the prior day's closing level. Positive changes for the day are shown in black and negative changes for the day are shown in red.

MBS prices by convention are quoted in thirty-seconds of a point. In our price presentation the first two numbers after the decimal point will always range from 00 to 31. A price of 100.040 means 100 and 4/32. Since 1/32 is equal to 0.03125, a simple rule to convert from fractions to decimals is to multiply the number of 32nds by 3. For example, 4/32 is about equal to 0.12 or 12 basis points. A conversion table dropdown box with the exact conversions is available on the homepage.

Our prices also display a third digit after the decimal point, which could be 0,1,2,3,+,5,6, or 7. These represent eighths of a 32nd, with the + replacing a 4. For example a third digit that's a 7 means the price is some number of 32nds plus 7/8 of a 32nd, while a + means 4/8 or 1/2 of a 32nd. To sum up, a price of 100.173 means 100 and 17/32 and 3/8th of a 32nd. (In basis points this would be a price of 101.54297.) We round the third digit in all commentary.

Can I see prices in basis points rather than 32nds?

You can see prices in basis points under our Charting Tab. Both the Short-Term and Long-Term charts track prices in basis points. Mouse over any point on the price tracking line to see what the basis point price was at that time.

In addition, you have an option to receive our emailed market updates and alerts and our text messaged alerts with the MBS prices and price changes discussed in basis points. This option can be made through the My Profile section of the web site under the Edit Delivery Preferences tab, or you can call in your request to 800-627-1077 or email info@mbsquoteline.com.

Selecting this option will not change what you see on the MBSQuoteline website. The prices and price changes in the price tables on the website will continue to be shown in 32nds, as described above.

Every time a trade takes place in the market, the prices will update within seconds. The 9:45 est pricing level (a benchmark time around which most price sheets are issued) is displayed just above the prices table.
Can I see prices in basis points rather than 32nds?
You have an option to receive our emailed market updates and alerts and our text messaged alerts with the MBS prices and price changes discussed in basis points. This option can be made through the My Profile section of the web site under the Edit Delivery Preferences tab, or you can call in your request to 800-627-1077 or email info@mbsquoteline.com.

Selecting this option will not change what you see on the MBSQuoteline web sites. The prices and price changes on the web sites will continue to be shown in 32nds, as described above.
Why does repricing occur at different prices?
It can be very confusing keeping track of MBS prices and pricing levels. The answer to your question is that lenders issue repricing based on the change in prices from their original pricing level. MBS prices, like other markets, are quoted as the change from the prior day's close. Lenders, however, use the current price at around 9:45 est to issue their pricing. If prices at 9:45 est are -8/32, for example, and fall to -14/32 at noon est, lenders might issue repricing because prices fell 6/32 from their 9:45 pricing level. The next day prices may be +31/32 at 9:45 est, meaning that they have risen almost a point since the close the night before. This time, lenders will likely issue repricing if prices fall to +25/32, which is a drop of equal magnitude, 6/32. You just need to keep track of your reference point. We try to clearly point out the change from the original pricing level in our updates.
When do MBS markets open and close?
MBS markets trade continuously around the world, but for all practical purposes US investors focus on a trading day between 8:00 AM est and 4:00 PM est. On volatile days, MBS prices occasionally continue to move after 4:00 PM et, so we monitor the market and display prices on the daily graph until 6:00 PM et.

The daily pricing is typically released by investors around 9:45 AM est, and repricing will usually occur during business hours.
What is the relationship between Treasury prices and MBS prices?
Unfortunately there is no simple answer to this question. Treasury securities and MBS are substitute investments for a fixed income portfolio, but MBS are more complicated. The main thing to keep in mind is that nearly every event which causes Treasury prices to rise will also cause MBS prices to rise, and likewise if the former fall, then the latter will, too. For a more comprehensive explanation please read Understanding the Markets.
What is a MBS?
MBS are actually pools, or groups, of mortgages packaged into securities for sale in the secondary market. One security may, for example, be made up of 500 loans totaling $75,000,000. These MBS are traded in markets in a manner very similar to stocks and other fixed income securities, and what investors will pay for these drives interest rates. For a more comprehensive explanation please read Understanding the Markets.
Why are MBS prices more volatile on some days than on others?
Price changes typically occur in response to the release of news. Some days simply contain what traders deem to be more important news. Examples of news which may affect MBS markets include the release of economic data, statements by Federal Reserve officials, election results, and terrorist activities. For these situations, it's absolutely critical to have access to real-time analysis and pricing, and this is when you will gain the greatest advantage over your competitors by using MBSQuoteline.
Why are MBS prices shown for the current and upcoming month?
When a loan is closed, and ultimately placed in a Mortgage Backed Security, determines what price that loan brings. The sooner it can be placed, the more value it has in the market. Conversely, if a loan won't close, and thus won't be placed in a security, for a longer period of time, it has less value. This is exactly why longer term locks are more costly than shorter term locks. Just like you can get a better price on a 15 day lock than a 60 day lock, investors can do the same. We show prices on the current and upcoming month so you can see what that price difference is. So if you are watching the market to make an informed decision about a 15-30 day lock, you should look at the current month's prices, and the upcoming month for a 45-60 day lock.
Why are coupons with different interest rates shown?
Depending on market conditions at the time, the price change for different interest rates may not always be the same. For example, you may have seen investors re-price lower (discount points increase), and the price for some rates moves by .25 points, while others only move .125 points.
So suppose you have two loans, one at 6% and one at 5.25%, and you are watching the market to make an informed decision about when to lock them. The 6% loan would likely be placed in a 5.5% MBS coupon, while the 5.25% loan might be placed in a 5% MBS coupon. These coupons not only have different prices, but how much their price changes as the market moves can be different too. So we provide you all the coupon prices so you have the information you need for any loan you have.
Help
Will you be adding new features to your site?
We are constantly striving to improve our site and are currently working on a new set of innovative features. If you have any ideas that you would like to see included on our site, please send us an email at info@mbsquoteline.com.
What are the minimum Technical Requirements for using MBSQuoteline on your computer?
Browser Requirements
Internet Explorer 9
Firefox 36
Safari 5.1
Chrome 37

Browser Recommendations:
Internet Explorer 11
Firefox 36
Safari 7
Chrome 40
What should I do if I have any questions?
Please don't hesitate to contact us via email help@mbsquoteline.com or call 800-627-1077 with any questions or suggestions.
Your system asks me to "enable cookies" in order to establish a subscription to your service. Why am I required to "enable cookies"?
Cookies allow us to determine who is authorized to access the web site.

To enable cookies using Internet Explorer in your browser window, go to top and click on Tools -> Internet Options -> go to the "Privacy" tab -> Click on Advanced. In the "Cookies" window select "Accept" in the First party Cookies and check Always Allow Session Cookies. We recommend you select "Block" for Third Party Cookies.

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