function init()
{
 menus[0] = new menu(40, "horizontal",360, 275, 0, -2, "#0020ff", "white", "Verdana,Helvetica", 8, "bold", "bold", "white", "#0020ff", 1, "black", 2, "rollover:images/tri-down2.gif:images/tri-down1.gif", false, true, true, true, 12, true, 4, 4, "black");
	menus[0].addItem("http://www.kaugerinsurance.com/index.html", "",65, "center", "Welcome", 0);
	menus[0].addItem("http://www.kaugerinsurance.com/page1.html", "", 62, "center", "Billing", 0);
	menus[0].addItem("http://www.kaugerinsurance.com/page2.html", "",65, "center", "Products", 0);
	menus[0].addItem("http://www.kaugerinsurance.com/page3.html", "", 75, "center", "Our<BR> Companies", 0);
	menus[0].addItem("http://www.kaugerinsurance.com/page4.html", "", 50, "center", "F.A.Q.", 0);
	menus[0].addItem("http://www.kaugerinsurance.com/page5.html", "", 60, "center", "Contact Us", 0);
 //	menus[0].addItem("http://www.kaugerinsurance.com/staff.html", "", 80, "center", "Office Staff", 0);	
 // menus[0].addItem("http://www.kaugerinsurance.com/history.html", "", 100, "center", "History of the Independant Agent", 0);
	menus[0].addItem("#", "", 65, "center", "On-line<BR>Quotes", 1);
     menus[0].addItem("#", "", 80, "center", "Customer<BR>Service", 2);    
    menus[0].floatMenu(1280,1024, 10, 0);

 //Menu for  ("OnLine Quotes"):
	menus[1] = new menu(100, "vertical", 0, 0, -5, -5, "#0020ff", "white", "Verdana,Helvetica", 9, "bold",
		"bold", "white", "#0020ff", 1, "gray", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false, true, 6, true, 4, 4, "black");
	menus[1].addItem("http://www.kaugerinsurance.com/quotes-A.html", "", 40, "center", "Business Insurance", 0);
	menus[1].addItem("http://www.kaugerinsurance.com/quotes-B.html", "", 40, "center", "Auto Insurance", 0);
	menus[1].addItem("https://www.insuremax.net/AgtWeb/quote.asp?Agt=105027", "NEWWIN", 40, "center", "<img src='images/InsureMax-t.gif'  align='center'>", 0); 
	menus[1].addItem("http://pd.web.wellpoint.com/AgentConnect/first.do?CMPNY=1&ID=DFGMKNLTRZ&PID=&LNO=269242&Options=I", "NEWWIN", 100, "center", "<img src='images/bcbs.gif'  align='center'>", 0); 
	                           
	
 //Menu for  ("Customer Service"):
	menus[2] = new menu(160, "vertical", 0, 0, -5, -5, "#0020ff", "white", "Verdana,Helvetica", 9, "bold",
		"bold", "white", "#0020ff", 1, "gray", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false, true, 6, true, 4, 4, "black");
	menus[2].addItem("http://www.kaugerinsurance.com/quotes1.html", "", 45, "left", "Auto:<BR>Change or Inquiry", 0);
	menus[2].addItem("http://www.kaugerinsurance.com/quotes2.html", "", 40, "left", "Auto: <BR>Report a Claim", 0);
	menus[2].addItem("http://www.kaugerinsurance.com/quotes3.html", "", 40, "left", "Request an I.D. Card", 0);
	menus[2].addItem("http://www.kaugerinsurance.com/quotes4.html", "", 22, "left", "Billing Inquiry", 0);
	menus[2].addItem("http://www.kaugerinsurance.com/quotes5.html", "", 40, "left", "Home:<BR> Change or Inquiry", 0);
	menus[2].addItem("http://www.kaugerinsurance.com/quotes6.html", "", 40, "left", "Home:<BR> Report a Claim", 0);
	



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