function init()
{
	menus[0] = new menu(145, "vertical",28, 180, -2, -2, "#006600", "#000000", "Verdana,Helvetica", 9, 
		"bold", "bold", "white", "white", 1, "black", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, true, true, 12, true, 4, 4, "black");
	menus[0].addItem("index.php", "", 22, "left", "HOME", 0);
	menus[0].addItem("#", "", 22, "left", "~ LOANS ~", 5);
	menus[0].addItem("", "", 22, "left", "RESOURCES", 10);
	menus[0].addItem("#", "", 28, "left", "Get Credit Cards", 11);



//Sub Menu for 2nd Main Menu Item ("CREDIT & DEBT"):
	menus[1] = new menu(75, "vertical", 0, 0, 0, 0, "#006600", "#000000", "Verdana,Helvetica", 9, "bold", 
		"bold", "white", "white", 1, "black", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false,  true, 12, true, 4, 4, "black");
	menus[1].addItem("#", "",20, "left", "Credit", 3);
	menus[1].addItem("#", "",20, "left", "Debt", 9);
	menus[1].addItem("#", "",35, "left", "Credit Cards", 6);
	menus[1].addItem("", "",35, "left", "UK Residents ", 8);

//Sub Menu for 3rd Main Menu Item (""HOME BUYING"):
	menus[2] = new menu(115, "vertical", 0, 0, 0, 0, "#006600", "#000000", "Verdana,Helvetica", 9, "bold", 
		"bold", "white", "white", 1, "black", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false,  true, 12, true, 4, 4, "black");
	menus[2].addItem("First-Time-Home-Buyers-Loans-Shopping.php", "", 32, "left", "First Buyers Loan", 0);
	menus[2].addItem("First-Time-Home-Buyers-Loans.php", "", 48, "left", " First Time Loans Made Easy", 0);
	menus[2].addItem("Mortgage-Rate-Compare.php", "", 32, "left", " Mortgage Rate", 0);
	menus[2].addItem("Mortgage-Rate-Compare.php", "", 22, "left", "Comparisons", 0);
	menus[2].addItem("Questions-To-Ask-About-Refinancing.php", "", 50, "left", " Refinancing Questions to Ask", 0);
	menus[2].addItem("Online-Mortgage-Lending.php", "", 52, "left", " Online Mortgage Lending",  0);
	menus[2].addItem("How-To-Buy-A-Home-With-A-Reverse-Mortgage.php", "", 58, "left", " Buying A Home With A Reverse Mortgage",  0);

//Sub Menu for 3rd Main Menu Item (""Credit"):
	menus[3] = new menu(240, "vertical", 0, 0, 0, 0, "#006600", "#000000", "Verdana,Helvetica", 9, "bold", 
		"bold", "white", "white", 1, "black", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false,  true, 12, true, 4, 4, "black");
	menus[3].addItem("BogusJuly1Email.php", "", 20, "left", "Bogus july 1 Email", 0);
	menus[3].addItem("Building-aBetter-CreditReport.php", "",20, "left", "A Better Credit Report", 0);
	menus[3].addItem("Credit-and-Divorce.php", "",20, "left", "Credit and Divorce", 0);
	menus[3].addItem("Over62-credit.php", "",20, "left", "Credit for over 62", 0);
	menus[3].addItem("Credit-Card-Debt-Negotiation.php", "", 20, "left", "Credit Negotiation", 0);
	menus[3].addItem("CreditRepair-SelfHelpMayBeBest.php", "",20, "left", "Credit Repair Self Is Best", 0);
	menus[3].addItem("Credit-Scoring.php", "",20, "left", "Credit Scoring", 0);
	menus[3].addItem("0026DisputeCreditErrors.php", "",20, "left", "Dispute Credit Errors", 0);
	menus[3].addItem("FakeCreditReportSites.php", "",20, "left", "Fake Credit Report Sites", 0);
	menus[3].addItem("Free-Annual-Credit-Report.php", "",20, "left", "Free Annual Credit Report", 0);
	menus[3].addItem("You-are-approved.php", "", 20, "left", "Guaranteed Unsecured", 0);
	menus[3].addItem("0025PaydayLoanAgreement.php", "",20, "left", "Payday Loan Agreement", 0);
	menus[3].addItem("PrescreenedOffersofCreditandInsurance.php", "",20, "left", "Prescreened Credit Offers", 0);
	menus[3].addItem("SqueezeaJobSearch.php", "",20, "left", "Squeeze a Job Search", 0);


//Sub Menu for 4th Main Menu Item ("REVERSE MORTGAGES"):
	menus[4] = new menu(100, "vertical", 0, 0, 0, 0, "#006600", "#000000", "Verdana,Helvetica", 9, "bold", "bold", "white", "white", 1, "black", 2, ">>", false, true, false,  true, 12, true, 4, 4, "black");
	menus[4].addItem("Advantages-Disadvantages-of-Reverse-Mortgage.php", "",65, "left", "Pros and Cons of Reverse Mortgages", 0);
	menus[4].addItem("Turn-Disadvantages-of-Reverse-Mortgage-to-Advantages.php", "", 65, "left", " Turning Disadvantages to Your Advantage", 0);
	menus[4].addItem("Reverse-Mortgage-Income.php", "", 50, "left", "Reverse Mortgage Income", 0);
	menus[4].addItem("0034WhyConsideraRemortgage.php", "",50, "left", "Why Consider a Remortgage", 0);

//Sub Menu for 5th Main Menu Item ("LOANS"):
	menus[5] = new menu(65, "vertical", 0, 0, 0, 0, "#006600", "#000000", "Verdana,Helvetica", 9, "bold","bold", "white", "white", 1, "black", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false,  true, 12, true, 4, 4, "black");
	menus[5].addItem("", "",20, "left", "U.S.A. ", 7);
	menus[5].addItem("", "",20, "left", "UK",0);
	menus[5].addItem("", "",20, "left", "AU", 12);


//Sub Menu for  Item ("Credit Cards"):
	menus[6] = new menu(120, "vertical", 0, 0, -5, -5, "#006600", "#000000", "Verdana,Helvetica", 9, "bold", 
		"bold", "white", "white", 1, "black", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false,  true, 12, true, 4, 4, "black");
	menus[6].addItem("0024retirementsavings.php", "",32, "left", "Saving for Retirement", 0);
	menus[6].addItem("0027PreventCreditCardFraud.php", "",50, "left", "Prevent Credit Card Fraud", 0);
	menus[6].addItem("0028CreditCardRebates.php", "",32, "left", "Credit Card Rebates", 0);
	menus[6].addItem("0029Balancetransfercreditcards.php", "",50, "left", "Balance transfer credit cards", 0);
	menus[6].addItem("0030BusinessCreditCards.php", "",32, "left", "Business Credit Cards", 0);
	menus[6].addItem("0031CreditCardAPR.php", "",32, "left", "Credit Card APR", 0);
	menus[6].addItem("0032IsCashbackTheFuture.php", "",32, "left", "Is Cashback The Future?", 0);
	menus[6].addItem("0035FightIdentityTheft.php", "",32, "left", "Fight Identity Theft", 0);
	menus[6].addItem("Choosing-and-Using-Credit-Cards.php", "",50, "left", "Choosing & Using Credit Cards", 0);

//Sub Menu for  Item ("Unsecured Loans"):
	menus[7] = new menu(120, "vertical", 0, 0, -5, -5, "#006600", "#000000", "Verdana,Helvetica", 9, "bold", 
		"bold", "white", "white", 1, "black", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false, false, 0, true, 4, 4, "black");
		menus[7].addItem("lowermybills.php", "", 32, "left", "Debt Management", 0);
	menus[7].addItem("http://www.debtreliefprogram.esuperfind.com/car_loan_quote?id=finan_ebkrama", "", 32, "left", "Guaranteed Unsecured", 0);




//Sub Menu for  Item ("UK Residents"):
	menus[8] = new menu(120, "vertical", 0, 0, -5, -5, "#006600", "#000000", "Verdana,Helvetica", 9, "bold", 
		"bold", "white", "white", 1, "black", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false,  true, 12, true, 4, 4, "black");
	menus[8].addItem("ten-steps-to-better-credit-rating.php", "",50, "left", "10 Steps To Better Credit Rating", 0);
	menus[8].addItem("top-six-credit-rating-myths.php", "",32, "left", "Top 6 Credit Rating Miths", 0);
	menus[8].addItem("ukusa-selected-resources.php", "",30, "left", "UK/USA Insurance", 0);

//Sub Menu for Debit:
	menus[9] = new menu(250, "vertical", 0, 0, -5, -5, "#006600", "#000000", "Verdana,Helvetica", 9, "bold", 
		"bold", "white", "white", 1, "black", 2, 62, false, true, false, true, 12, true, 4, 4, "black");
	menus[9].addItem("AutomaticDebitScams.php", "",20, "left", "Automatic Debit Scams", 0);
	menus[9].addItem("Consolidate-Debt-Online.php", "", 20, "left", "Consolidating Online", 0);
	menus[9].addItem("Government-Student-Loan-Consolidation-Pros-Cons.php", "", 20, "left", "Consolidation Pros & Cons", 0);
	menus[9].addItem("Debt-Settlement.php", "", 20, "left", " Debt Settlement", 0);
	menus[9].addItem("day-trading.php", "", 20, "left", "Day Trading", 0);
	menus[9].addItem("Is-Debt-Negotiation-Bad.php", "", 20, "left", "Debt Negotiation", 0);
	menus[9].addItem("0033FinancialPhobia.php", "",20, "left", "Financial Phobia", 0);
	menus[9].addItem("NewIDIsaBadIDea.php", "",20, "left", "New ID Is a Bad Idea", 0);
	menus[9].addItem("Government-Student-Loan-Consolidation.php", "", 20, "left", "Student Consolidation", 0);

	menus[10] = new menu(70, "vertical", 0, 0, -5, -5, "#006600", "#000000", "Verdana,Helvetica", 9, "bold", 
		"bold", "white", "white", 1, "black", 2, 50, false, true, false, true, 12, true, 4, 4, "black");
	menus[10].addItem("ukusa-selected-resources.php", "",30, "left", "UK/USA Insurance", 0);
//menus[10].addItem("finance-resources.php", "",30, "left", "Finance Resources", 0);
	//menus[10].addItem("general-resources.php", "",30, "left", "General Resources", 0);

//Sub Menu for Get Credit Cards:
	menus[11] = new menu(100, "vertical", 0, 0, -5, -5, "#006600", "#000000", "Verdana,Helvetica", 9, "bold", 
"bold", "white", "white", 1, "black", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false,  true, 12, true, 4, 4, "black");
	menus[11].addItem("black-card.php", "",30, "left", "Visa Black Card", 0);
	menus[11].addItem("nextmilenniumcard.php", "",30, "left", "Millennium Card", 0);
	menus[11].addItem("PrepaidVisa.php", "",30, "left", "Prepaid Visa", 0);
	menus[11].addItem("#", "",30, "left", "Prepaid MasterCard", 13);

//Sub Menu for AUt:
	menus[12] = new menu(100, "vertical", 0, 0, -5, -5, "#006600", "#000000", "Verdana,Helvetica", 9, "bold", 
		"bold", "white", "white", 1, "black", 2, 62, false, true, false, true, 12, true, 4, 4, "black");
	menus[12].addItem("cashadvancefinders.php", "",30, "left", "Cash Advance  Finders", 0);

//Sub Menu for Prepaid MasterCard:
	menus[13] = new menu(65, "vertical", 0, 0, 0, 0, "#006600", "#000000", "Verdana,Helvetica", 9, "bold","bold", "white", "white", 1, "black", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false,  true, 12, true, 4, 4, "black");
	menus[13].addItem("PrepaidMasterCard.php", "",30, "left", "Prepaid Vantage", 0);
	menus[13].addItem("SilverPrepaidMasterCard.php", "",30, "left", "Prepaid Silver", 0);

} //OUTER CLOSING BRACKET. EVERYTHING ADDED MUST BE ABOVE THIS LINE.