function mmLoadMenus() {
  if (window.mm_menu) return;
  
  /* window.mm_menu_housing = new Menu("Corporate Objectives",180,19,"Verdana, Arial, Helvetica, sans-serif",11,"#ffffff","#ffffff","#666666","#ff6600","left","middle",2,0,1000,-5,7,true,true,true,10,true,true);
  mm_menu_housing.addMenuItem("Vision","location='vision.asp'");
  mm_menu_housing.addMenuItem("Management Philosophy","location='philosophy.asp'");
  mm_menu_housing.fontWeight="bold";
  mm_menu_housing.hideOnMouseOut=true;
  mm_menu_housing.menuBorder=1;
  mm_menu_housing.menuLiteBgColor='#ffffff';
  mm_menu_housing.menuBorderBgColor='#ffffff';
  mm_menu_housing.bgColor='#ffffff';
  */
  window.mm_menu_housing = new Menu("root",180,19,"Arial, Helvetica, sans-serif",11,"#ffffff","#ffffff","#0099FF","#333333","left","middle",2,0,1000,0,7,true,true,true,5,true,true);
  mm_menu_housing.addMenuItem("Housing","location='housing.html'");
  /* mm_menu_housing.addMenuItem(mm_menu_housing);
  mm_menu_housing.addMenuItem("Solutions","location='solutions.html'"); */
  mm_menu_housing.addMenuItem("Frequently Asked Questions","location='faqs.html'");
  mm_menu_housing.fontWeight="bold";
  mm_menu_housing.hideOnMouseOut=true;
  mm_menu_housing.childMenuIcon="images/arrows.gif";
  mm_menu_housing.menuBorder=1;
  mm_menu_housing.menuLiteBgColor='#ffffff';
  mm_menu_housing.menuBorderBgColor='#ffffff';
  mm_menu_housing.bgColor='#ffffff';
  
  window.mm_menu_debt = new Menu("root",180,19,"Arial, Helvetica, sans-serif",11,"#ffffff","#ffffff","#0099FF","#333333","left","middle",2,0,1000,0,7,true,true,true,5,true,true);
  mm_menu_debt.addMenuItem("Debt","location='debt.html'");
  mm_menu_debt.addMenuItem("Frequently Asked Questions","location='debtfaqs.html'");
  mm_menu_debt.fontWeight="bold";
  mm_menu_debt.hideOnMouseOut=true;
  mm_menu_debt.childMenuIcon="images/arrows.gif";
  mm_menu_debt.menuBorder=1;
  mm_menu_debt.menuLiteBgColor='#ffffff';
  mm_menu_debt.menuBorderBgColor='#ffffff';
  mm_menu_debt.bgColor='#ffffff';
  
  window.mm_menu_well = new Menu("root",180,19,"Arial, Helvetica, sans-serif",11,"#ffffff","#ffffff","#0099FF","#333333","left","middle",2,0,1000,0,7,true,true,true,5,true,true);
  mm_menu_well.addMenuItem("Frequently Asked Questions","location='benefitsfaqs.html'");
  mm_menu_well.fontWeight="bold";
  mm_menu_well.hideOnMouseOut=true;
  mm_menu_well.childMenuIcon="images/arrows.gif";
  mm_menu_well.menuBorder=1;
  mm_menu_well.menuLiteBgColor='#ffffff';
  mm_menu_well.menuBorderBgColor='#ffffff';
  mm_menu_well.bgColor='#ffffff';

  window.mm_menu_links = new Menu("root",130,19,"Arial, Helvetica, sans-serif",11,"#ffffff","#ffffff","#0099FF","#333333","left","middle",2,0,1000,0,7,true,true,true,5,true,true);
  mm_menu_links.addMenuItem("Advice Agencies","location='adviceagencies.html'");
  mm_menu_links.addMenuItem("Links","location='links.html'");
  mm_menu_links.addMenuItem("Reciprocating Links","location='reciprolinks.html'");
  mm_menu_links.fontWeight="bold";
  mm_menu_links.hideOnMouseOut=true;
  mm_menu_links.childMenuIcon="images/arrows.gif";
  mm_menu_links.menuBorder=1;
  mm_menu_links.menuLiteBgColor='#ffffff';
  mm_menu_links.menuBorderBgColor='#ffffff';
  mm_menu_links.bgColor='#ffffff';
  
  window.mm_menu_contact = new Menu("root",120,19,"Arial, Helvetica, sans-serif",11,"#ffffff","#ffffff","#0099FF","#333333","left","middle",2,0,1000,0,7,true,true,true,5,true,true);
  mm_menu_contact.addMenuItem("Enquiry","location='enquiry.html'");
  mm_menu_contact.fontWeight="bold";
  mm_menu_contact.hideOnMouseOut=true;
  mm_menu_contact.childMenuIcon="images/arrows.gif";
  mm_menu_contact.menuBorder=1;
  mm_menu_contact.menuLiteBgColor='#ffffff';
  mm_menu_contact.menuBorderBgColor='#ffffff';
  mm_menu_contact.bgColor='#ffffff';
  
  mm_menu_contact.writeMenus();
} // mmLoadMenus()