function fwLoadMenus() {

  if (window.fw_menu_0) return; 

window.fw_menu_3_2 = new Menu("Specialty",180,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#5C84BC","#034887");

    fw_menu_3_2.addMenuItem("Frame-It Insurance","location='frameit.php'");

	fw_menu_3_2.addMenuItem("Marry Me","location='marryme.php'");

	fw_menu_3_2.addMenuItem("Marine Providers","location='marineproviders.php'");

     fw_menu_3_2.hideOnMouseOut=true; 

  window.fw_menu_0 = new Menu("root",170,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#5C84BC","#034887");

  fw_menu_0.addMenuItem("Commercial","location='commercial.php'");

  fw_menu_0.addMenuItem("Personal","location='personal.php'");

  fw_menu_0.addMenuItem("Life & Health ","location='life_health.php'");

  fw_menu_0.addMenuItem(fw_menu_3_2,"location='specialty.php'");

  fw_menu_0.addMenuItem("Business Financial Services","location='principal.php'");

  fw_menu_0.hideOnMouseOut=true;

 window.fw_menu_1 = new Menu("root",148,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#5C84BC","#034887");

  fw_menu_1.addMenuItem("Business-to-Business","location='newsletter2.php?news=1'");

  fw_menu_1.addMenuItem("Personal Perpective","location='newsletter2.php?news=2'");

  fw_menu_1.addMenuItem("Employee Benefits","location='newsletter2.php?news=3'");

  fw_menu_1.addMenuItem("Workers' Compensation","location='newsletter2.php?news=4'");

  fw_menu_1.addMenuItem("Construction","location='newsletter2.php?news=5'");

  fw_menu_1.hideOnMouseOut=true;

  window.fw_menu_2 = new Menu("root",190,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#5C84BC","#034887");

  fw_menu_2.addMenuItem("Job Search","location='jobsearch.php'");

  fw_menu_2.addMenuItem("College Internship Program","location='internship.php'");

  fw_menu_2.addMenuItem("Contact HR","location='contacthr.php'");

  fw_menu_2.addMenuItem("Life at Capax","location='lifeatcapax.php'");

  fw_menu_2.addMenuItem("Living in Modesto","location='modesto.php'");

  //fw_menu_2.addMenuItem("Outsourcing vs Offshore","location='outsourcing_offshore.htm'");

  //fw_menu_2.addMenuItem("Dos & Don'ts of Outsourcing","location='dos.htm'");

  //fw_menu_2.addMenuItem("White Papers","location='whitepapers.htm'");

  fw_menu_2.hideOnMouseOut=true;



  fw_menu_2.writeMenus();

} // fwLoadMenus()