else if (clsId == 320)
return new InvestProductClass(clsId);
else if (clsId == 510)
return new RegClass(clsId);
else if (clsId == 520)
return new CorrespondenceClass(clsId);
else if (clsId == 530)
return new TaxClass(clsId);
else if (clsId == 540)
return new BudgetClass(clsId);
else