function fwLoadMenus() {
  if (window.fw_menu_0) return;
  window.fw_menu_0 = new Menu("root",125,18,"Verdana, Arial, Helvetica, sans-serif",9,"#000000","#FFFFFF","#FFFFFF","#1d6baa",1,1,1,'','');
  
  fw_menu_0.addMenuItem("<b>Commercial Insurance</b>","location='/commercialInsurance.htm'");
  fw_menu_0.addMenuItem("<b>Risk Management</b>","location='/riskManagement.htm'");
  fw_menu_0.addMenuItem("<b>Surety Bonds</b>","location='/suretyBonds.htm'");
  fw_menu_0.addMenuItem("<b>Captive Programs</b>","location='/captive-programs.htm'");
  fw_menu_0.addMenuItem("<b>Employee Benefits</b>","location='/employeeBenefits.htm'");
  fw_menu_0.addMenuItem("<b>Personal Insurance</b>","location='/personalInsurance.htm'");
 //fw_menu_0.bgImageOver="/images/greenarrow.jpg";

   fw_menu_0.hideOnMouseOut=true;

  fw_menu_0.writeMenus();
}