function fwLoadMenus() {
    if (window.fw_menu_0) return;
   
    //JOIN
    window.fw_menu_0 = new Menu("root",180,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_0.addMenuItem("for individuals","location='/join.indiv.html'");
    fw_menu_0.addMenuItem("for companies/associations","location='/join.emp.html'");
    fw_menu_0.addMenuItem("current companies/SEGs","location='/join.segs.html'");
    fw_menu_0.fontWeight="bold";
    fw_menu_0.hideOnMouseOut=true;
    
    //SERVICES
    window.fw_menu_1_1 = new Menu("loans",165,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_1_1.addMenuItem("vehicle loans","location='/services.loans.auto.html'");
    fw_menu_1_1.addMenuItem("home equity line-of-credit","location='/services.loans.home.html'");
    fw_menu_1_1.addMenuItem("second mortgages","location='/services.loans.snd.html'");
    fw_menu_1_1.addMenuItem("personal loans","location='/services.loans.per.html'");
    fw_menu_1_1.addMenuItem("business loans","location='/services.loans.bus.html'");
    fw_menu_1_1.addMenuItem("student loans","location='/services.loans.stu.html'");
    fw_menu_1_1.fontWeight="bold";
    fw_menu_1_1.hideOnMouseOut=true;
    
    window.fw_menu_1_2 = new Menu("mortgages",172,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_1_2.addMenuItem("first mortgages","location='/services.mort.fst.html'");
    fw_menu_1_2.addMenuItem("second mortgages","location='/services.mort.snd.html'");
    fw_menu_1_2.addMenuItem("home equity line-of-credit","location='/services.mort.home.html'");
    fw_menu_1_2.fontWeight="bold";
    fw_menu_1_2.hideOnMouseOut=true;
    
    window.fw_menu_1_3 = new Menu("savings",161,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_1_3.addMenuItem("savings accounts","location='/services.save.acc.html'");
    fw_menu_1_3.addMenuItem("money market accounts","location='/services.save.mon.html'");
    fw_menu_1_3.addMenuItem("share certificates","location='/services.save.share.html'");
    fw_menu_1_3.addMenuItem("IRAs","location='/services.save.ira.html'");
    fw_menu_1_3.addMenuItem("trust accounts","location='/services.save.trust.html'");
     fw_menu_1_3.addMenuItem("health savings accounts","location='/services.save.health.html'");
    fw_menu_1_3.fontWeight="bold";
    fw_menu_1_3.hideOnMouseOut=true;
    
    window.fw_menu_1_4 = new Menu("credit/debit/gift cards",90,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_1_4.addMenuItem("credit cards","location='/services.credit.cred.html'");
    fw_menu_1_4.addMenuItem("debit cards","location='/services.credit.deb.html'");
    fw_menu_1_4.addMenuItem("gift cards","location='/services.credit.gift.html'");
    fw_menu_1_4.fontWeight="bold";
    fw_menu_1_4.hideOnMouseOut=true;
    
    window.fw_menu_1_5 = new Menu("insurance",145,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_1_5.addMenuItem("credit life & disability","location='/services.ins.life.html'");
    fw_menu_1_5.addMenuItem("for your car","location='/services.ins.car.html'");
    fw_menu_1_5.addMenuItem("dental","location='/services.ins.dent.html'");
    fw_menu_1_5.addMenuItem("pet","location='/services.ins.pet.html'");
    fw_menu_1_5.fontWeight="bold";
    fw_menu_1_5.hideOnMouseOut=true;
    
    window.fw_menu_1_6 = new Menu("investments",144,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_1_6.addMenuItem("IRAs","location='/services.inv.ira.html'");
    fw_menu_1_6.addMenuItem("money markets","location='/services.inv.mon.html'");
    fw_menu_1_6.addMenuItem("all other investments","location='/services.inv.other.html'");
    fw_menu_1_6.fontWeight="bold";
    fw_menu_1_6.hideOnMouseOut=true;
    
    window.fw_menu_1_7 = new Menu("convenience services",230,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_1_7.addMenuItem("direct deposit & automatic payments","location='/services.con.dir.html'");
    fw_menu_1_7.addMenuItem("telephone teller","location='/services.con.tele.html'");
    fw_menu_1_7.fontWeight="bold";
    fw_menu_1_7.hideOnMouseOut=true;
    
    window.fw_menu_1 = new Menu("root",195,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_1.addMenuItem(fw_menu_1_1,"location='/services.loans.html'");
    fw_menu_1.addMenuItem(fw_menu_1_2,"location='/services.mort.html'");
    fw_menu_1.addMenuItem(fw_menu_1_3,"location='/services.save.html'");
    fw_menu_1.addMenuItem("checking","location='/services.check.html'");
    fw_menu_1.addMenuItem("business accounts","location='/services.biz.html'");
    fw_menu_1.addMenuItem(fw_menu_1_4,"location='/services.credit.html'");
    fw_menu_1.addMenuItem("ATM","location='/services.atm.html'");
    fw_menu_1.addMenuItem(fw_menu_1_7,"location='/services.con.html'");
    fw_menu_1.addMenuItem(fw_menu_1_5,"location='/services.ins.html'");
    fw_menu_1.addMenuItem(fw_menu_1_6,"location='/services.inv.html'");
    fw_menu_1.addMenuItem("transfers","location='/services.trans.html'");
    fw_menu_1.addMenuItem("checks & money orders","location='/services.orders.html'");
    fw_menu_1.addMenuItem("notary & signature guarantee","location='/services.not.html'");
    fw_menu_1.addMenuItem("safe deposit boxes","location='/services.safe.html'");
    fw_menu_1.addMenuItem("discount tickets","location='/services.disc.html'");
    fw_menu_1.fontWeight="bold";
    fw_menu_1.hideOnMouseOut=true;
    fw_menu_1.childMenuIcon="/images/arrows.gif";
    
    //RATES
    window.fw_menu_2 = new Menu("root",156,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_2.addMenuItem("loan rates","location='/rates.loan.html'");
    fw_menu_2.addMenuItem("savings accounts rates","location='/rates.save.html'");
    fw_menu_2.addMenuItem("share certificates rates","location='/rates.share.html'");
    fw_menu_2.addMenuItem("IRA certificates rates","location='/rates.ira.html'");
    fw_menu_2.fontWeight="bold";
    fw_menu_2.hideOnMouseOut=true;
    
    //FORMS
    window.fw_menu_3 = new Menu("root",220,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_3.addMenuItem("loan/credit application","window.open('https://webadmin.cavionplus.com/secure_messages/cu0967/loan.asp?InstID=1106','form','width=750,height=590,scrollbars=yes,resizable=yes,titlebar=yes,toolbar=yes,menubar=yes');");
    fw_menu_3.addMenuItem("mortgage application","location='/forms.mort.html'");
    fw_menu_3.addMenuItem("business loan application","location='/forms.biz.html'");
    fw_menu_3.addMenuItem("membership application","window.open('https://webadmin.cavionplus.com/secure_messages/cu0967/membership.asp?InstID=1106','form','width=750,height=590,scrollbars=yes,resizable=yes,titlebar=yes,toolbar=yes,menubar=yes');");
    fw_menu_3.addMenuItem("for companies/associations to join","location='/forms.comp.html'");
    fw_menu_3.addMenuItem("check order form","window.open('https://webadmin.cavionplus.com/secure_messages/cu0967/check_reorder.asp?InstID=1106','form','width=750,height=590,scrollbars=yes,resizable=yes,titlebar=yes,toolbar=yes,menubar=yes');");
    // fw_menu_3.addMenuItem("join mailing list","location='https://forms.norbel.org/apps/forms.mail.html'");
    fw_menu_3.addMenuItem("online bill pay enrollment","location='/forms.billpay.html'");
    fw_menu_3.fontWeight="bold";
    fw_menu_3.hideOnMouseOut=true;
    
    //ONLINE TOOLS
    window.fw_menu_4_1 = new Menu("calculators",175,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_4_1.addMenuItem("auto loans","location='/tools.cal.auto.html'");   
    fw_menu_4_1.addMenuItem("mortgage loan calculator","location='/tools.cal.loan.html'");
    fw_menu_4_1.addMenuItem("amortizing loan calculator","location='/tools.cal.amor.html'");
    fw_menu_4_1.addMenuItem("retirement planner","location='/tools.cal.retire.html'");
    fw_menu_4_1.addMenuItem("savings goals","location='/tools.cal.save.html'");
    fw_menu_4_1.addMenuItem("cool million","location='/tools.cal.million.html'");
    fw_menu_4_1.addMenuItem("home budget","location='/tools.cal.budget.html'");
    fw_menu_4_1.addMenuItem("how much do you owe?","location='/tools.cal.owe.html'");
    fw_menu_4_1.addMenuItem("checkbook balancer","location='/tools.cal.check.html'");
    fw_menu_4_1.addMenuItem("net worth calculator","location='/tools.cal.qual.html'");
    fw_menu_4_1.fontWeight="bold";
    fw_menu_4_1.hideOnMouseOut=true;
    
    window.fw_menu_4 = new Menu("root",126,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_4.addMenuItem("online banking","location='/tools.bank.html'");
    fw_menu_4.addMenuItem("online statements","location='/tools.state.html'");
    fw_menu_4.addMenuItem("online bill pay","location='/tools.bill.html'");
    fw_menu_4.addMenuItem(fw_menu_4_1,"location='/tools.cal.html'");
    fw_menu_4.fontWeight="bold";
    fw_menu_4.hideOnMouseOut=true;
    fw_menu_4.childMenuIcon="/images/arrows.gif";
    
    //WHAT'S NEW
    window.fw_menu_5 = new Menu("root",120,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_5.addMenuItem("news/events","location='/new.news.html'");
    fw_menu_5.addMenuItem("repossessions","location='/new.repo.html'");
    fw_menu_5.addMenuItem("holiday calendar","location='/new.cal.html'");
    fw_menu_5.fontWeight="bold";
    fw_menu_5.hideOnMouseOut=true;
    
    //EDUCATION
    window.fw_menu_65 = new Menu("root",128,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_65.addMenuItem("financial literacy","location='/edu.literacy.html'");
    fw_menu_65.addMenuItem("switch kit","location='/edu.switch.html'");
    fw_menu_65.addMenuItem("identity theft","location='/edu.idtheft.html'");
    fw_menu_65.addMenuItem("phishing/scams","location='/edu.scams.html'");
    fw_menu_65.fontWeight="bold";
    fw_menu_65.hideOnMouseOut=true;
    
    //NORBEL INFO
    window.fw_menu_6_1 = new Menu("locations & hours",83,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_6_1.addMenuItem("broomfield","location='/info.loc.broom.html'");
    fw_menu_6_1.addMenuItem("fort collins","location='/info.loc.fc.html'");
    fw_menu_6_1.addMenuItem("greeley","location='/info.loc.gre.html'");
    fw_menu_6_1.addMenuItem("longmont","location='/info.loc.long.html'");
    fw_menu_6_1.addMenuItem("loveland","location='/info.loc.love.html'");
    fw_menu_6_1.fontWeight="bold";
    
    fw_menu_6_1.hideOnMouseOut=true;
    window.fw_menu_6_2 = new Menu("contact us",90,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_6_2.addMenuItem("general info","location='http://www.norbel.org/info.contact.gen.html'");
    fw_menu_6_2.addMenuItem("contact form","window.open('https://webadmin.cavionplus.com/secure_messages/cu0967/contact.asp?InstID=1106','form','width=750,height=590,scrollbars=yes,resizable=yes,titlebar=yes,toolbar=yes,menubar=yes');");
    fw_menu_6_2.fontWeight="bold";
    
    fw_menu_6_2.hideOnMouseOut=true;
    window.fw_menu_6 = new Menu("root",121,17,"Verdana, Arial, Helvetica, sans-serif",10,"#ffffff","#ffffff","#687499","#333366");
    fw_menu_6.addMenuItem("about us","location='/info.about.html'");
    fw_menu_6.addMenuItem(fw_menu_6_1,"location='/info.loc.html'");
    fw_menu_6.addMenuItem("phone center","location='/info.phone.html'");
    fw_menu_6.addMenuItem("telephone teller","location='/info.tele.html'");
    fw_menu_6.addMenuItem("ATMs","location='/info.atm.html'");
    fw_menu_6.addMenuItem("employment","location='/info.emp.html'");
    fw_menu_6.addMenuItem(fw_menu_6_2,"location='http://www.norbel.org/info.contact.html'");
    fw_menu_6.fontWeight="bold";
    fw_menu_6.hideOnMouseOut=true;
    fw_menu_6.childMenuIcon="/images/arrows.gif";
    
    fw_menu_6.writeMenus();
}