function fwLoadMenus() {
  if (window.fw_menu_0) return;
  window.fw_menu_0 = new Menu("root",190,19,"Arial, Helvetica, sans-serif",11,"#FFFFFF","#660032","#660032","#FFFFFF",1,1,1,'','');
  
  fw_menu_0.addMenuItem("<b>Property and Casualty Carriers</b>","location='propertycarriers.html'");
  fw_menu_0.addMenuItem("<b>Benefits and Life Carriers</b>","location='lifecarriers.html'");
 //fw_menu_0.bgImageOver="/images/greenarrow.jpg";

   fw_menu_0.hideOnMouseOut=true;

  window.fw_menu_1 = new Menu("root",240,19,"Arial, Helvetica, sans-serif",11,"#FFFFFF","#660032","#660032","#FFFFFF",1,1,1,'','');
  
  fw_menu_1.addMenuItem("<b>Billing Information - Personal Insurance</b>","location='personalBillingInfo.html'");
  fw_menu_1.addMenuItem("<b>Billing Information - Business Insurance</b>","location='businessBillingInfo.html'");
  fw_menu_1.addMenuItem("<b>Emergency Claims Contacts</b>","location='claimsContact.html'");
  fw_menu_1.addMenuItem("<b>Insurance Glossary</b>","location='glossary.html'");
 //fw_menu_1.bgImageOver="/images/greenarrow.jpg";

   fw_menu_1.hideOnMouseOut=true;

  window.fw_menu_2 = new Menu("root",155,19,"Arial, Helvetica, sans-serif",11,"#FFFFFF","#660032","#660032","#FFFFFF",1,1,1,'','');
  
  fw_menu_2.addMenuItem("<b>Property</b>","location='property.html'");
  fw_menu_2.addMenuItem("<b>Liability</b>","location='liability.html'");
  fw_menu_2.addMenuItem("<b>Umbrella/Excess Liability</b>","location='commercial_umbrella.html'");
  fw_menu_2.addMenuItem("<b>Commercial Auto</b>","location='commercial_auto.html'");  
  fw_menu_2.addMenuItem("<b>Workers Compensation</b>","location='workers_compensation.html'");
  fw_menu_2.addMenuItem("<b>Statutory Disability</b>","location='statutory_disability.html'");
  fw_menu_2.addMenuItem("<b>Specialty Programs</b>","location='specialty.html'");  
 //fw_menu_2.bgImageOver="/images/greenarrow.jpg";

   fw_menu_2.hideOnMouseOut=true;

  window.fw_menu_3 = new Menu("root",126,19,"Arial, Helvetica, sans-serif",11,"#FFFFFF","#660032","#660032","#FFFFFF",1,1,1,'','');
  
  fw_menu_3.addMenuItem("<b>Home</b>","location='home.html'");
  fw_menu_3.addMenuItem("<b>Auto & Watercraft</b>","location='personal_auto.html'");
  fw_menu_3.addMenuItem("<b>Personal Umbrella</b>","location='personal_umbrella.html'");  
  fw_menu_3.addMenuItem("<b>Jewelry & Art</b>","location='jewelery.html'");  
 //fw_menu_3.bgImageOver="/images/greenarrow.jpg";

   fw_menu_3.hideOnMouseOut=true;

  window.fw_menu_4 = new Menu("root",180,19,"Arial, Helvetica, sans-serif",11,"#FFFFFF","#660032","#660032","#FFFFFF",1,1,1,'','');
  
  fw_menu_4.addMenuItem("<b>Health</b>","location='health.html'");
  fw_menu_4.addMenuItem("<b>Dental</b>","location='dental.html'");
  fw_menu_4.addMenuItem("<b>Disability</b>","location='disability.html'");  
  fw_menu_4.addMenuItem("<b>Long Term Disability (Group)</b>","location='lt_disability.html'");
  fw_menu_4.addMenuItem("<b>Disability Income</b>","location='disability_income.html'"); 
  fw_menu_4.addMenuItem("<b>Long Term Care</b>","location='long_term_care.html'");   
  fw_menu_4.addMenuItem("<b>401k Annuities</b>","location='401k.html'");   
 //fw_menu_4.bgImageOver="/images/greenarrow.jpg";

   fw_menu_4.hideOnMouseOut=true;


  window.fw_menu_5 = new Menu("root",143,19,"Arial, Helvetica, sans-serif",11,"#FFFFFF","#660032","#660032","#FFFFFF",1,1,1,'','');
  
  fw_menu_5.addMenuItem("<b>Life Insurance</b>","location='life.html'");
  fw_menu_5.addMenuItem("<b>Life Settlements</b>","location='life_settlements.html'");
 //fw_menu_5.bgImageOver="/images/greenarrow.jpg";

   fw_menu_5.hideOnMouseOut=true;


  window.fw_menu_6 = new Menu("root",190,19,"Arial, Helvetica, sans-serif",11,"#FFFFFF","#660032","#660032","#FFFFFF",1,1,1,'','');
  
  fw_menu_6.addMenuItem("<b>Property and Casualty Carriers</b>","location='propertycarriers.html'");
  fw_menu_6.addMenuItem("<b>Benefits and Life Carriers</b>","location='lifecarriers.html'");
 //fw_menu_6.bgImageOver="/images/greenarrow.jpg";

   fw_menu_6.hideOnMouseOut=true;

  fw_menu_6.writeMenus();
}