function fwLoadMenus() {
  if (window.fw_menu_0) return;
  window.fw_menu_0 = new Menu("root",142,19,"Arial, Helvetica, sans-serif",11,"#660B2B","#F4ECAD","#F4ECAD","#660B2B",1,1,1,'','');
  
  fw_menu_0.addMenuItem("Our Cottage","location='homeCottage.htm'");
  fw_menu_0.addMenuItem("Testimonials","location='homeTestimonials.htm'");
  fw_menu_0.addMenuItem("On Exhibit","location='homeExhibit.htm'");
  fw_menu_0.addMenuItem("Events","location='homeEvents.htm'");  
  fw_menu_0.addMenuItem("Breaking News","location='homeBreaking.htm'");  
  fw_menu_0.addMenuItem("Great Links","location='greatLinks.htm'"); 
  fw_menu_0.addMenuItem("Sign Up For Email Alerts","location='signup.htm'");   
 //fw_menu_0.bgImageOver="/images/greenarrow.jpg";

   fw_menu_0.hideOnMouseOut=true;

  window.fw_menu_1 = new Menu("root",88,19,"Arial, Helvetica, sans-serif",11,"#660B2B","#F4ECAD","#F4ECAD","#660B2B",1,1,1,'','');
  
  fw_menu_1.addMenuItem("Staff Bios","location='aboutStaff.htm'");
  fw_menu_1.addMenuItem("Annual Letter","location='aboutAnnual.htm'");
  fw_menu_1.addMenuItem("Privacy Policy","location='aboutPrivacy.htm'");
 //fw_menu_1.bgImageOver="/images/greenarrow.jpg";

   fw_menu_1.hideOnMouseOut=true;

  window.fw_menu_2 = new Menu("root",105,19,"Arial, Helvetica, sans-serif",11,"#660B2B","#F4ECAD","#F4ECAD","#660B2B",1,1,1,'','');
  
  fw_menu_2.addMenuItem("Settlement Fees","location='feesPurchasing.htm'");
  fw_menu_2.addMenuItem("Cost Calculator","location='feesCostcalc.htm'");
 //fw_menu_2.bgImageOver="/images/greenarrow.jpg";

   fw_menu_2.hideOnMouseOut=true;

  window.fw_menu_3 = new Menu("root",210,19,"Arial, Helvetica, sans-serif",11,"#660B2B","#F4ECAD","#F4ECAD","#660B2B",1,1,1,'','');
  
  fw_menu_3.addMenuItem("Know Your Closing","location='evals/KnowYourClosingAgency.pdf'");
  fw_menu_3.addMenuItem("Buyer's Questions","location='servicesBuyers.htm'");
  fw_menu_3.addMenuItem("Seller's Questions","location='servicesSellers.htm'");  
  fw_menu_3.addMenuItem("Realtor's Checklist","location='servicesRealtors.htm'");  
  fw_menu_3.addMenuItem("Sample Title Documents","location='evals/SELLERS%20TITLE%20DOCS_001.pdf'");
  fw_menu_3.addMenuItem("Sample Loan Documents","location='evals/BUYERS%20LOAN%20DOCS_001.pdf'");  
  fw_menu_3.addMenuItem("Like-kind Exchanges","location='servicesLikekind.htm'");
  fw_menu_3.addMenuItem("Important Phone Numbers When Moving","location='importantPhoneNumbers.htm'");  
 //fw_menu_3.bgImageOver="/images/greenarrow.jpg";

   fw_menu_3.hideOnMouseOut=true;

  window.fw_menu_4 = new Menu("root",205,19,"Arial, Helvetica, sans-serif",11,"#660B2B","#F4ECAD","#F4ECAD","#660B2B",1,1,1,'','');
  
  fw_menu_4.addMenuItem("Continuing Education Schedule","location='teachContinuing.htm'");
  fw_menu_4.addMenuItem("Sign Up For A Class","location='mailto:CE@settlementpros.com?Subject=Sign Me Up For A Class'");
  fw_menu_4.addMenuItem("Past Classes","location='teachPast.htm'");  
  fw_menu_4.addMenuItem("Evaluations","location='teachEvaluations.htm'");  
  fw_menu_4.addMenuItem("Jurisdictional Requirements MD/DC/VA","location='evals/Jurisdictionalrequirements.pdf'");
  fw_menu_4.addMenuItem("Recommend A Future Class","location='mailto:CE@settlementpros.com?Subject=Recommend A Future Class'");  
 //fw_menu_4.bgImageOver="/images/greenarrow.jpg";

   fw_menu_4.hideOnMouseOut=true;
   
  window.fw_menu_5 = new Menu("root",148,19,"Arial, Helvetica, sans-serif",11,"#660B2B","#F4ECAD","#F4ECAD","#660B2B",1,1,1,'','');

  fw_menu_5.addMenuItem("Contact Us","location='contact.htm'");  
  fw_menu_5.addMenuItem("Directions","location='contactDirections.htm'");
 //fw_menu_5.bgImageOver="/images/greenarrow.jpg";

   fw_menu_5.hideOnMouseOut=true;   

  fw_menu_5.writeMenus();
}