$whereor="o.user_id = $user_id and o.status = 3 and o.order_expire_time2 > ".$time." and c.application = "."'"."$param[application]"."'"." and c.agent_phone = $param[agent_phone] and c.insurer ="."'"."$insurer"."'";
$whereor="o.status = 3 and o.order_expire_time2 > ".$time." and c.application = "."'"."$param[application]"."'"." and c.agent_phone = $param[agent_phone] and c.insurer ="."'"."$insurer"."'";
}elseif(!empty($param['application'])){
$whereor="o.user_id = $user_id and o.status = 3 and o.order_expire_time2 > ".$time." and c.application = "."'"."$param[application]"."'"." and c.insurer ="."'"."$insurer"."'";
$whereor="o.status = 3 and o.order_expire_time2 > ".$time." and c.application = "."'"."$param[application]"."'"." and c.insurer ="."'"."$insurer"."'";
}elseif(!empty($param['agent_phone'])){
$whereor="o.user_id = $user_id and o.status = 3 and o.order_expire_time2 > ".$time." and c.agent_phone = $param[agent_phone] and c.insurer ="."'"."$insurer"."'";
$whereor="o.status = 3 and o.order_expire_time2 > ".$time." and c.agent_phone = $param[agent_phone] and c.insurer ="."'"."$insurer"."'";
}else{
$whereor="o.user_id = $user_id and o.status = 3 and o.order_expire_time2 > ".$time." and c.insurer ="."'"."$insurer"."'";