function insertAtCaret(areaId,text) { 
    var txtarea = document.getElementById(areaId); 
    var scrollPos = txtarea.scrollTop; 
    var strPos = 0; 
    var br = ((txtarea.selectionStart || txtarea.selectionStart == '0') ? "ff" : (document.selection ? "ie" : false ) ); 
    if (br == "ie") { 
        txtarea.focus(); 
        var range = document.selection.createRange(); 
        range.moveStart ('character', -txtarea.value.length); 
        strPos = range.text.length; 
    } else if (br == "ff") strPos = txtarea.selectionStart; 
    var front = (txtarea.value).substring(0,strPos); 
    var back = (txtarea.value).substring(strPos,txtarea.value.length); 
    txtarea.value=front+text+back; strPos = strPos + text.length; 
    if (br == "ie") { 
        txtarea.focus(); 
        var range = document.selection.createRange(); 
        range.moveStart ('character', -txtarea.value.length); 
        range.moveStart ('character', strPos); 
        range.moveEnd ('character', 0); range.select(); 
    } else if (br == "ff") { 
        txtarea.selectionStart = strPos; 
        txtarea.selectionEnd = strPos; 
        txtarea.focus(); 
    } 
    txtarea.scrollTop = scrollPos; 
}