$(document).ready(function() {
	$(".terms").overlay({ 
 
    // one configuration property 
    color: '#ccc', 
 
    // another property 
    top: 50
 
    // ... the rest of the configuration properties 
	});
	
	$(".switcher").change(function (){
		if($(this).val() != ""){
			top.location.href=$(this).val();
		} 
	});
	
});