function init()
{
	//Main Menu items:

	menus[0] = new menu(42, "horizontal", 272, 97, -2, -2, "084284", "white", "Tahoma,Helvetica", 8, 
		"bold", "bold", "white", "black", 1, "084284", 2, "rollover:images/tri-down1.gif:images/tri-down2.gif", false, true, true, false, 0, false, 4, 4, "black");
	menus[0].addItem("#", "", 87, "center", "About Us", 1);
	menus[0].addItem("#", "", 87, "center", "Services", 2);
	menus[0].addItem("http://www.penncredit.com/coverage.htm", "", 87, "center", "National Coverage", 0);
	menus[0].addItem("http://www.penncredit.com/employment.htm", "", 87, "center", "Career at PCC", 0);
	menus[0].addItem("http://www.penncredit.com/contactus.htm", "", 87, "center", "Contact Us", 0);
	menus[0].addItem("http://www.penncredit.com/requestinfo.htm", "", 87, "center", "Request Information", 0);
	menus[0].addItem("http://client.penncredit.com", "", 87, "center", "Client Access", 0);
	menus[0].floatMenu(1024, 768, 10, 0);


//Sub Menu for 2nd Main Menu Item ("About Us"):
	menus[1] = new menu(175, "vertical", 0, 0, -5, -5, "084284", "white", "Tahoma,Helvetica", 8, "bold", 
		"bold", "white", "black", 1, "gray", 2, 62, false, true, false, true, 6, false, 4, 4, "white");
	menus[1].addItem("http://www.penncredit.com/profile.htm", "", 25, "left", "Profile", 0);
	menus[1].addItem("http://www.penncredit.com/triangle.htm", "", 25, "left", "How we collect", 0);
	menus[1].addItem("http://www.penncredit.com/technology.htm", "", 25, "left", "Our Technology", 0);

//Sub Menu for 3rd Main Menu Item ("News"):
	menus[2] = new menu(130, "vertical", 0, 0, 0, 0, "084284", "white", "Tahoma,Helvetica", 8, "bold", 
		"bold", "white", "black", 1, "gray", 2, "rollover:images/tri-right1.gif:images/tri-right2.gif", false, true, false, false, 0, false, 4, 4, "white");
	menus[2].addItem("http://www.penncredit.com/healthcare.htm", "", 25, "left", "Healthcare", 0);
	menus[2].addItem("http://www.penncredit.com/government.htm", "", 25, "left", "Government", 0);
	menus[2].addItem("http://www.penncredit.com/retail.htm", "", 25, "left", "Retail", 0);
	menus[2].addItem("http://www.penncredit.com/utilities.htm", "", 25, "left", "Utilities", 0);

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