what the heck am i doing wrong?

what the heck am i doing wrong?

i can't get the following code to work.  it works fine if i use the commented out line:
$("#quote p").load("dbtester.asp?payor=CHECK+TESTER");
 
so i guess i must be formatting something wrong?
thanks in advance
 
<html>
 <head>
  <title>AJAX with jQuery Example</title>
  <script src="scripts/jquery-1.5.js"></script>
  <style type="text/css">
  #wrapper {
   width: 240px;
   height: 80px;
   margin: auto;
   padding: 10px;
   margin-top: 10px;
   border: 1px solid black;
   text-align: center;
  }
  </style>
 </head>
 <body>
  <div id="wrapper">
  <script type="text/javascript">
  $(document).ready(function(){
    
   $("#getrec").click(function(){
   $("#quote p").load("dbtester.asp?payor=" + $("#payorname").val());   // this is what fails?
   //$("#quote p").load("dbtester.asp?payor=CHECK+TESTER");
   });
  });
  </script>
  <input type="submit" id="getrec" value="Get Rec">
  <input type="text" id="payorname" value="CHECK TESTER">
  <br />
  <div id="quote"><p></p></div>
  </div>
  
 </body>
</html>