function init()
{
	menus[0] = new menu(150, "vertical", 1, 260, -2, -2, "#FFFF01", "#0033CC", "Verdana,Helvetica", 9, 
		"", "", "black", "white", 1, "gray", 2, ">", false, true, true, false, 12, true, 0, 0, "black");
	menus[0].addItem("index.php", "", 22, "left", "Home", 0);
	menus[0].addItem("about.php", "", 22, "left", "About Us", 1);
	menus[0].addItem("how_apply.php", "", 22, "left", "How To Apply", 2);
	menus[0].addItem("#", "", 22, "left", "Apply Now", 3);
	menus[0].addItem("loan_calculator.php", "", 22, "left", "Loan Calculator", 0);
	menus[0].addItem("contact.php", "", 22, "left", "Contact Us", 0);
	menus[0].addItem("employer.php", "", 22, "left", "For The Employer", 0);

//Sub Menu about us
	menus[1] = new menu(180, "vertical", 0, 0, -5, -5, "#FFFF01", "#0033CC", "Verdana,Helvetica", 9, "", 
		"", "black", "white", 1, "gray", 2, 62, false, true, false, true, 6, true, 0, 0, "black");
	menus[1].addItem("mission.php", "", 22, "left", "Mission Statement", 0);
	menus[1].addItem("here_help.php", "", 22, "left", "We Are Here To Help", 0);
	menus[1].addItem("privacy.php", "", 22, "left", "Privacy Policy", 0);

//Sub Menu how to apply:
	menus[2] = new menu(200, "vertical", 0, 0, 0, 0, "#FFFF01", "#0033CC", "Verdana,Helvetica", 9, "", 
		"", "black", "white", 1, "gray", 2, ">", false, true, false, false, 0, true, 0, 0, "black");
	menus[2].addItem("whoqualify.php", "", 22, "left", "Who Qualifies To Apply?", 0);
	menus[2].addItem("process.php", "", 22, "left", "The Process", 0);

//Sub Menu for apply now:
	menus[3] = new menu(155, "vertical", 0, 0, 0, 0, "#FFFF01", "#0033CC", "Verdana,Helvetica", 9, "", "", "black", "white", 1, "gray", 2, 62, false, true, false, false, 0, true, 0, 0, "black");
	menus[3].addItem("applyonline_first.php", "", 22, "left", "Apply Online", 0);
	menus[3].addItem("application_form.php", "", 22, "left", "Application Form", 0);

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