function mmLoadMenus() {
    if (window.mm_menu_0429093457_0) return;
    //the market
    window.mm_menu_0429093457_0 = new Menu("root",147,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429093457_0.addMenuItem("Definition","location='Mortgage_Market.htm'");
    mm_menu_0429093457_0.addMenuItem("Mortgage Consumer","location='Mortgage_Market.htm'");
    mm_menu_0429093457_0.addMenuItem("Market Segments","location='Market_Segments.htm'");
    mm_menu_0429093457_0.addMenuItem("Consumer Trends","location='Consumer_Trends.htm'");
    mm_menu_0429093457_0.hideOnMouseOut=true;
    mm_menu_0429093457_0.bgColor='#CCCCCC';
    mm_menu_0429093457_0.menuBorder=1;
    mm_menu_0429093457_0.menuLiteBgColor='#FFFFFF';
    mm_menu_0429093457_0.menuBorderBgColor='#666666';
    //our partners
    window.mm_menu_0429094428_0 = new Menu("root",242,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429094428_0.addMenuItem("Working with Spectrum","location='Partners.htm'");
    mm_menu_0429094428_0.addMenuItem("Benefits to Banks and Credit Unions","location='Benefits.htm'");
    mm_menu_0429094428_0.addMenuItem("Benefits to Consumers","location='Benefits_Consumers.htm'");
    mm_menu_0429094428_0.hideOnMouseOut=true;
    mm_menu_0429094428_0.bgColor='#CCCCCC';
    mm_menu_0429094428_0.menuBorder=1;
    mm_menu_0429094428_0.menuLiteBgColor='#FFFFFF';
    mm_menu_0429094428_0.menuBorderBgColor='#666666';

    //testimonials
    window.mm_menu_0429094615_0 = new Menu("root",174,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429094615_0.addMenuItem("Banks and Credit Unions","location='Banks_testimonials.htm'");
    mm_menu_0429094615_0.addMenuItem("Clients","location='client_testimonials.htm'");
    mm_menu_0429094615_0.addMenuItem("Client Survey Results","location='client_survey_results.htm'");
    mm_menu_0429094615_0.hideOnMouseOut=true;
    mm_menu_0429094615_0.bgColor='#CCCCCC';
    mm_menu_0429094615_0.menuBorder=1;
    mm_menu_0429094615_0.menuLiteBgColor='#FFFFFF';
    mm_menu_0429094615_0.menuBorderBgColor='#666666';
    //
    window.mm_menu_0429094735_0 = new Menu("root",83,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429094735_0.addMenuItem("New Item");
    mm_menu_0429094735_0.hideOnMouseOut=true;
    mm_menu_0429094735_0.bgColor='#CCCCCC';
    mm_menu_0429094735_0.menuBorder=1;
    mm_menu_0429094735_0.menuLiteBgColor='#FFFFFF';
    mm_menu_0429094735_0.menuBorderBgColor='#666666';
    
    //submenu
    window.mm_menu_0429094806_0_1_1_1 = new Menu("Client Consent",266,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429094806_0_1_1_1.addMenuItem("HSBC Client Consent Form","location='hsbc_consent.htm'");
    mm_menu_0429094806_0_1_1_1.addMenuItem("Bank/Credit Union Client Consent Form","location='banks_consent.htm'");
    mm_menu_0429094806_0_1_1_1.hideOnMouseOut=true;
    mm_menu_0429094806_0_1_1_1.bgColor='#CCCCCC';
    mm_menu_0429094806_0_1_1_1.menuBorder=1;
    mm_menu_0429094806_0_1_1_1.menuLiteBgColor='#FFFFFF';
    mm_menu_0429094806_0_1_1_1.menuBorderBgColor='#666666';
    //submenu
    window.mm_menu_0429094806_0_1_1 = new Menu("Forms",127,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429094806_0_1_1.addMenuItem(mm_menu_0429094806_0_1_1_1);
    mm_menu_0429094806_0_1_1.addMenuItem("Mortgage Inquiry","location='partner_inquiry.htm'");
    mm_menu_0429094806_0_1_1.addMenuItem("Workflow","location='workflow.htm'");
    mm_menu_0429094806_0_1_1.hideOnMouseOut=true;
    mm_menu_0429094806_0_1_1.childMenuIcon="arrows.gif";
    mm_menu_0429094806_0_1_1.bgColor='#CCCCCC';
    mm_menu_0429094806_0_1_1.menuBorder=1;
    mm_menu_0429094806_0_1_1.menuLiteBgColor='#FFFFFF';
    mm_menu_0429094806_0_1_1.menuBorderBgColor='#666666';
    //submenu
    window.mm_menu_0429094806_0_1 = new Menu("Origination Partners",144,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429094806_0_1.addMenuItem(mm_menu_0429094806_0_1_1);
    mm_menu_0429094806_0_1.addMenuItem("Sponsorship","location='/sponsorship.htm'");
    mm_menu_0429094806_0_1.addMenuItem("Realtor Presentation","location='/realty_presentation.htm'");
    mm_menu_0429094806_0_1.hideOnMouseOut=true;
    mm_menu_0429094806_0_1.childMenuIcon="arrows.gif";
    mm_menu_0429094806_0_1.bgColor='#CCCCCC';
    mm_menu_0429094806_0_1.menuBorder=1;
    mm_menu_0429094806_0_1.menuLiteBgColor='#FFFFFF';
    mm_menu_0429094806_0_1.menuBorderBgColor='#666666';
    //submenu
    window.mm_menu_0429094806_0_2 = new Menu("Consumer",127,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429094806_0_2.addMenuItem("Mortgage Inquiry","location='consumer_inquiry.htm'");
    mm_menu_0429094806_0_2.addMenuItem("Rate Yourself","location='rate_yourself.htm'");
    mm_menu_0429094806_0_2.addMenuItem("Rate Calculator","location='rate_calculator.htm'");
    mm_menu_0429094806_0_2.hideOnMouseOut=true;
    mm_menu_0429094806_0_2.bgColor='#CCCCCC';
    mm_menu_0429094806_0_2.menuBorder=1;
    mm_menu_0429094806_0_2.menuLiteBgColor='#FFFFFF';
    mm_menu_0429094806_0_2.menuBorderBgColor='#666666';
    //
    window.mm_menu_0429094806_0 = new Menu("root",142,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429094806_0.addMenuItem(mm_menu_0429094806_0_1);
    mm_menu_0429094806_0.addMenuItem(mm_menu_0429094806_0_2);
    mm_menu_0429094806_0.hideOnMouseOut=true;
    mm_menu_0429094806_0.childMenuIcon="arrows.gif";
    mm_menu_0429094806_0.bgColor='#CCCCCC';
    mm_menu_0429094806_0.menuBorder=1;
    mm_menu_0429094806_0.menuLiteBgColor='#FFFFFF';
    mm_menu_0429094806_0.menuBorderBgColor='#666666';
    //
    window.mm_menu_0429095019_0 = new Menu("root",54,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429095019_0.addMenuItem("2001");
    mm_menu_0429095019_0.addMenuItem("2002");
    mm_menu_0429095019_0.addMenuItem("2003");
    mm_menu_0429095019_0.hideOnMouseOut=true;
    mm_menu_0429095019_0.bgColor='#CCCCCC';
    mm_menu_0429095019_0.menuBorder=1;
    mm_menu_0429095019_0.menuLiteBgColor='#FFFFFF';
    mm_menu_0429095019_0.menuBorderBgColor='#666666';
    //    
    window.mm_menu_0429095048_0 = new Menu("root",73,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429095048_0.addMenuItem("Address","location='contact.htm'");
    mm_menu_0429095048_0.addMenuItem("Emails","location='contact.htm'");
    mm_menu_0429095048_0.hideOnMouseOut=true;
    mm_menu_0429095048_0.bgColor='#CCCCCC';
    mm_menu_0429095048_0.menuBorder=1;
    mm_menu_0429095048_0.menuLiteBgColor='#FFFFFF';
    mm_menu_0429095048_0.menuBorderBgColor='#666666';

    //About us
    window.mm_menu_0428084826_0 = new Menu("root",118,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0428084826_0.addMenuItem("The Company","location='Company_Info.htm'");
    mm_menu_0428084826_0.addMenuItem("Clients","location='Client_Service.htm'");
    mm_menu_0428084826_0.addMenuItem("Management","location='Management.htm'");
 // mm_menu_0428084826_0.addMenuItem("Spectrum Team","location='Spectrum_Team.htm'");
    mm_menu_0428084826_0.hideOnMouseOut=true;
    mm_menu_0428084826_0.bgColor='#555555';
    mm_menu_0428084826_0.menuBorder=1;
    mm_menu_0428084826_0.menuLiteBgColor='#FFFFFF';
    mm_menu_0428084826_0.menuBorderBgColor='#777777';
//here
    //window.mm_menu_0429094806_0_2 = new Menu("Consumer",127,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    //window.mm_menu_0429094616_0_1=new Menu("Investor Info",174,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    //window.mm_menu_0429094616_0_2=new Menu("Mortgages For Sale",174,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    //mm_menu_0429094616_0_1.addMenuItem("Investor Info","location='investor_info.htm'");
    //mm_menu_0429094616_0_1.addMenuItem("Mortgages For Sale","location='MortgagesForSale.html'");

    window.mm_menu_0429094616_0 = new Menu("root",174,17,"Arial",11,"#000000","#FFFFFF","#66CCFF","#000084","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
    mm_menu_0429094616_0.addMenuItem("Investor Info","location='investor_info.htm'");
    mm_menu_0429094616_0.addMenuItem("Mortgages For Sale","location='mfs.php'");

    mm_menu_0429094616_0.hideOnMouseOut=true;
    mm_menu_0429094616_0.bgColor='#CCCCCC';
    mm_menu_0429094616_0.menuBorder=1;
    mm_menu_0429094616_0.menuLiteBgColor='#FFFFFF';
    mm_menu_0429094616_0.menuBorderBgColor='#666666';


    mm_menu_0428084826_0.writeMenus();
} // mmLoadMenus()
<!--
function MM_preloadImages() { //v3.0
  var d=document; if(d.images){ if(!d.MM_p) d.MM_p=new Array();
    var i,j=d.MM_p.length,a=MM_preloadImages.arguments; for(i=0; i<a.length; i++)
    if (a[i].indexOf("#")!=0){ d.MM_p[j]=new Image; d.MM_p[j++].src=a[i];}}
}

function MM_findObj(n, d) { //v4.01
  var p,i,x;  
  if(!d) d=document; if((p=n.indexOf("?"))>0&&parent.frames.length)
  {
    d=parent.frames[n.substring(p+1)].document; n=n.substring(0,p);
  }
  if(!(x=d[n])&&d.all) x=d.all[n]; 
  for (i=0;!x&&i<d.forms.length;i++) x=d.forms[i][n];
  for(i=0;!x&&d.layers&&i<d.layers.length;i++) 
  x=MM_findObj(n,d.layers[i].document);
  
  if(!x && d.getElementById) x=d.getElementById(n);
//alert(x.name);
   return x;
}

function MM_nbGroup(event, grpName) 
{ //v6.0

  var i,img,nbArr,args=MM_nbGroup.arguments;
  if (event == "init" && args.length > 2) 
  {
    if ((img = MM_findObj(args[2])) != null && !img.MM_init) 
    {
      img.MM_init = true; img.MM_up = args[3]; img.MM_dn = img.src;
      if ((nbArr = document[grpName]) == null) nbArr = document[grpName] = new Array();
      nbArr[nbArr.length] = img;
      for (i=4; i < args.length-1; i+=2) if ((img = MM_findObj(args[i])) != null) 
      {
        if (!img.MM_up) img.MM_up = img.src;
        img.src = img.MM_dn = args[i+1];
	nbArr[nbArr.length] = img;
      } 
    }
    } else if (event == "over") 
    {
    document.MM_nbOver = nbArr = new Array();
    for (i=1; i < args.length-1; i+=3) 
    if ((img = MM_findObj(args[i])) != null) 
    {
      if (!img.MM_up) img.MM_up = img.src;
      img.src = (img.MM_dn && args[i+2]) ? args[i+2] : ((args[i+1])? args[i+1] : img.MM_up);
      nbArr[nbArr.length] = img;
    }
    } 
    else if (event == "out" ) {
    for (i=0; i < document.MM_nbOver.length; i++) {
      img = document.MM_nbOver[i]; img.src = (img.MM_dn) ? img.MM_dn : img.MM_up; }
  } else if (event == "down") {
    nbArr = document[grpName];
    if (nbArr)
      for (i=0; i < nbArr.length; i++) { img=nbArr[i]; img.src = img.MM_up; img.MM_dn = 0; }
    document[grpName] = nbArr = new Array();
    for (i=2; i < args.length-1; i+=2) if ((img = MM_findObj(args[i])) != null) {
      if (!img.MM_up) img.MM_up = img.src;
      img.src = img.MM_dn = (args[i+1])? args[i+1] : img.MM_up;
      nbArr[nbArr.length] = img;
  } }
}


function MM_openBrWindow(theURL,winName,features) { //v2.0
  window.open(theURL,winName,features);
}