DQM_Notice = ""
 
   DQM_sub_menu_width = 130      //default sub menu widths
   DQM_sub_xy = "0,0"            //default sub x,y coordinates
   
   
   DQM_codebase = ""             //relative location of .js files
   DQM_urltarget = "_self"       //set to: _self, _parent, _new, or "my frame name"

   DQM_border_width = 1
   DQM_divider_height = 0

   DQM_border_color = "#666666"  //Hex color value or 'transparent'
   DQM_menu_bgcolor = "#e6e6e6"  //Hex color value or 'transparent'
   DQM_hl_bgcolor = "#e6e6e6"    //Hex color value
   


   DQM_mouse_off_delay = 100
   
  
   
   DQM_os9_ie5mac_offset_X = 10
   DQM_os9_ie5mac_offset_Y = 15

   DQM_osx_ie5mac_offset_X = 0
   DQM_osx_ie5mac_offset_Y = 0

   DQM_ie4mac_offset_X = -8
   DQM_ie4mac_offset_Y = -50

 
   DQM_nn4_reaload_after_resize = true

   DQM_nn4_resize_prompt_user = false
   DQM_nn4_resize_prompt_message = "To reinitialize the navigation menu please click the 'Reload' button."
   


   DQM_use_opera_div_detect_fix = true;



   /*----Options include - none | fade | pixelate |
   ------iris | slide | gradientwipe | checkerboard |
   ------radialwipe | randombars | randomdissolve |stretch */

   DQM_sub_menu_effect = "fade"
   DQM_sub_item_effect = "fade"


   /*----Define the effect duration in seconds below---*/
   
   DQM_sub_menu_effect_duration = .4
   DQM_sub_item_effect_duration = .4

  
   /*----Customization option settings for the various effect
   ------transitions may be defined below---*/

   DQM_effect_pixelate_maxsqare = 25
   DQM_effect_iris_irisstyle = "CIRCLE"          //CROSS, CIRCLE, PLUS, SQUARE, or STAR
   DQM_effect_checkerboard_squaresx = 14
   DQM_effect_checkerboard_squaresY = 14
   DQM_effect_checkerboard_direction = "RIGHT"   //UP, DOWN, LEFT, RIGHT
   

 
   
   /*----Opacity is defined with a value between
   ------1 and 100 with 100 being opaque---*/   	

   DQM_sub_menu_opacity = 100

   DQM_dropshadow_color = "none"                //Hex color value or 'none'
   DQM_dropshadow_offx = 5                      //drop shadow width
   DQM_dropshadow_offy = 5	                //drop shadow height





/*-------------------------------------------
Required font Settings
--------------------------------------------*/
   

   DQM_textcolor = "#333333"
   DQM_fontfamily = "Verdana"            //Any available system font     
   DQM_fontsize = 11		         //Defined with pixel sizing  	
   DQM_fontsize_ie4 = 9		         //Defined with point sizing
   DQM_textdecoration = "normal"         //set to: 'normal', or 'underline'
   DQM_fontweight = "normal"             //set to: 'normal', or 'bold'
   DQM_fontstyle = "normal"	         //set to: 'normal', or 'italic' 	
   DQM_hl_textcolor = "#000000"
   DQM_hl_textdecoration = "underline"   //set to: 'normal', or 'underline'

   DQM_margin_top = 2
   DQM_margin_bottom = 3
   DQM_margin_left = 5
   DQM_margin_right = 4

   DQM_text_alignment = "left"           //set to: 'left', 'center' or 'right'
   




   /*----Unlimited icon images may be defined and associated with any sub menu
   ------item by specifying the icons index with the 'DQM_icon_index' parameter 
   ------see the 'sub menu customization' section below for examples---------*/


   DQM_icon_image0 = "images/bullet.gif"
   DQM_icon_rollover0 = "images/bullet_hl.gif"
   DQM_icon_image_wh0 = "13,8"

   DQM_icon_image1 = "images/arrow.gif"
   DQM_icon_rollover1 = "images/arrow.gif"
   DQM_icon_image_wh1 = "13,10"



   /*----Unlimited icon images may be defined and associated with any sub menu
   ------item by specifying the icons index with the 'DQM_2nd_icon_index' parameter 
   ------see the 'sub menu customization' section below for examples---------*/

   DQM_2nd_icon_image0 = "images/arrow.gif"
   DQM_2nd_icon_rollover0 = "images/arrow.gif"
   DQM_2nd_icon_image_wh0 = "13,10"
   DQM_2nd_icon_image_xy0 = "0,4"


/*---------------------------------------------
Optional Status Bar Text

Note: Custom defined status bar text for a menu item 
will be displayed in place of the URL when the 
'DQM_show_urls_statusbar' parameter is set to true.
-----------------------------------------------*/

   DQM_show_urls_statusbar = false
   
   //DQM_status_text0 = "Sample text - Main Menu Item 0"
   //DQM_status_text1 = "Sample text - Main Menu Item 1"

   //DQM_status_text1_0 = "Sample text - Main Menu Item 1, Sub Item 0"	
   //DQM_status_text1_0 = "Sample text - Main Menu Item 1, Sub Item 1"	

   /************************************************
   *********-------Main Menu 0--------**************
   ************************************************/

   DQM_rollover_image0 = "images/commerical_hl4.gif"
   DQM_rollover_wh0 = "114,19"
   DQM_url0 = "index.html";   


   /************************************************
   *********-------Main Menu 1--------**************
   ************************************************/

   DQM_rollover_image1 = "images/personal_hl4.gif"
   DQM_rollover_wh1 = "88,19"
   //DQM_url1 = "my_url.html";


   /************************************************
   *********-------Main Menu 2--------**************
   ************************************************/    

   DQM_rollover_image2 = "images/lifeandgroup_hl4.gif" 
   DQM_rollover_wh2 = "119,19"
   //DQM_url2 = "my_url.html";   


   /************************************************
   *********-------Main Menu 3--------***************
   ************************************************/

   DQM_rollover_image3 = "images/investment_hl4.gif" 
   DQM_rollover_wh3 = "119,19"
   //DQM_url3 = "my_url.html";   


 /************************************************
   *********-------Main Menu 4--------***************
   ************************************************/

   DQM_rollover_image4 = "images/value_hl4.gif" 
   DQM_rollover_wh4 = "136,19"
   //DQM_url4 = "my_url.html";     


 

/*********************************************************************/
/*                                                                   */
/*                       SUB MENU CUSTOMIZATION                      */
/*                                                                   */ 
/*********************************************************************/

/*--------------------------------------------------------------------

The parameters below define the menus tree structure, text descriptions, 
associated icon images, URL links, and sub menu positioning. An infinite 
number of sub menu items and levels may be defined for each main menu item
by appending the appropriate index values to the 'DQM_subdesc' parameter. 
The included sample menus ('sample.htm') tree structure is defined below and
may be used as a simple guide for how to index your items.

The sub menu items text descriptions may be defined using plain text or
HTML. To use HTML simply place the entire string on one line and replace
all double quotes with single quotes.



ADDITIONAL SUB MENU CUSTOMIZATION OPTIONS:

The following parameters are referenced for documentation purposes and are 
additional customizable features which may be included as part of the sample 
sub menus defined below. (Note: to use these parameters add them to the sub 
menu sections below, they are not active when inside this comment field.)


Sub Menu Group Options:

The following setting apply to individual sub menu groups. Reference a sub
menu group within the parameter by appending the index value of the group
to the parameter name.
   
 1---The following parameters define unique colors, highlight colors
   border sizes, and divider heights for a sub menu. The X at the end
   of the parameter name represents the index of the sub menu. Child sub
   menus may also be referenced, i.e. 'DQM_menu_bgcolor1_0' refers to the
   2nd main menus, 1st sub menu items, child sub menu.
   
   DQM_border_widthX = 10;
   DQM_divider_heightX = 5;		
 
   DQM_border_colorX = "#0000ff";     
   DQM_menu_bgcolorX = "#ff0000"
   DQM_hl_bgcolorX = "#00ff00"
   DQM_textcolorX = "#00ff00"	 
   DQM_hl_textcolorX = "#ff0000"

 2---For more information on the following two parameter options see the 
   section above labeled 'Optional event triggered custom function calls'

   DQM_showmenu_codeX = "status = 'custom show menu function call'"
   DQM_hidemenu_codeX = "status = 'custom hide menu function call'"

 3---Define the text alignment of the sub menu as 'left', 'center', or 'right'

   DQM_text_alignmentX = "left"



Sub Menu Item Options:

The following settings apply to individual sub menu items, reference a sub
menu item within the parameter by appending the index value of the item
to the parameter name.

 1---The following parameter creates custom highlight text, any html tags
   may also be used to create formatted text and images. (Note: when using
   HTML convert all double quotes to single quotes and keep to one line.)
   Any number of 'DQM_hl_subdescX' parameters may be defined so long as there
   is a corresponding 'DQM_subdescX' parameter. The X at the end of the
   parameters name is variable and represents the index of the sub menu item.

   DQM_hl_subdescX = "custom highlight text"

 2---For more information on the following parameter option see the 
   section above labeled 'Optional event triggered custom function calls'

   DQM_clickitem_codeX = "alert('Sample onclick function call.')"

 3---Unique sub menu item URL targets may be defined with the 
   following parameter option. Allowable 'DQM_urltargetX' param values
   include... _self, _parent, _new, or "my frame name".

   DQM_urltargetX = "_new"


---------------------------------------------------------------------*/


/************************************************
*********-------Sub Menu 0--------Commerical***************
************************************************/

DQM_sub_xy0 = "-105,22"
DQM_sub_menu_width0 = 155

DQM_subdesc0_0 = "Target Clients"
DQM_subdesc0_1 = "Types of Coverage"
DQM_subdesc0_2 = "What is not Covered?"
DQM_icon_index0_0 = 0
DQM_icon_index0_1 = 0
DQM_icon_index0_2 = 0
DQM_url0_0 = "commercial_manufacturers.html"
DQM_url0_1 = "commercial_types_coverage.html"
DQM_url0_2 = "commercial_not_covered.html"

/************************************************
****-------Sub 0 - Item 1 Sub Menu--------Commercial*******
************************************************/



/************************************************
*********-------Sub Menu 1--------Personal***************
************************************************/

DQM_sub_xy1 = "-87,22"
DQM_sub_menu_width1 = 160

DQM_subdesc1_0 = "Home"
DQM_subdesc1_1 = "Auto"
DQM_subdesc1_2 = "Boat"
DQM_subdesc1_3 = "Other"
DQM_subdesc1_4 = "Specialty Coverages"
DQM_icon_index1_0 = 0
DQM_icon_index1_1 = 0
DQM_icon_index1_2 = 0
DQM_icon_index1_3 = 0
DQM_icon_index1_4 = 0
DQM_2nd_icon_index1_0 = 0
DQM_2nd_icon_index1_1 = 0
DQM_url1_0 = ""
DQM_url1_1 = ""
DQM_url1_2 = "personal_boat.html"
DQM_url1_3 = "personal_other.html"
DQM_url1_4 = "personal_specialty.html"


/************************************************
****-------Sub 1 - Item 1 Sub Menu--------Personal*******
************************************************/

DQM_sub_xy1_0 = "-4,2"
DQM_sub_menu_width1_0 = 150

DQM_subdesc1_0_0 = "What is not covered"
DQM_subdesc1_0_1 = "Things to consider"
DQM_icon_index1_0_0 = 0
DQM_icon_index1_0_1 = 0
DQM_url1_0_0 = "personal_what.html"
DQM_url1_0_1 = "personal_things.html"

/************************************************
****-------Sub 1 - Item 2 Sub Menu--------Personal*******
************************************************/

DQM_sub_xy1_1 = "-4,2"
DQM_sub_menu_width1_1 = 190

DQM_subdesc1_1_0 = "Changes in Insurance Laws"
DQM_subdesc1_1_1 = "What is not covered"
DQM_subdesc1_1_2 = "Things to consider"
DQM_subdesc1_1_3 = "Optional Benefits"
DQM_icon_index1_1_0 = 0
DQM_icon_index1_1_1 = 0
DQM_icon_index1_1_2 = 0
DQM_icon_index1_1_3 = 0
DQM_url1_1_0 = "personal_changes.html"
DQM_url1_1_1 = "personal_what2.html"
DQM_url1_1_2 = "personal_things2.html"
DQM_url1_1_3 = "personal_optional.html"

/************************************************
*********-------Sub Menu 2--------Life & Group***************
************************************************/

DQM_sub_xy2 = "-119,22"
DQM_sub_menu_width2 = 200

DQM_subdesc2_0 = "Why do I need life insurance?" 
DQM_subdesc2_1 = "Sample Life Insurance Rates"
DQM_subdesc2_2 = "Disability Insurance"
DQM_subdesc2_3 = "Group Insurance" 
DQM_subdesc2_4 = "Annuities"
DQM_subdesc2_5 = "Help your Church/Charity"
DQM_icon_index2_0 = 0
DQM_icon_index2_1 = 0
DQM_icon_index2_2 = 0
DQM_icon_index2_3 = 0
DQM_icon_index2_4 = 0
DQM_icon_index2_5 = 0
DQM_url2_0 = "lg_why.html"
DQM_url2_1 = "lg_sample.html"
DQM_url2_2 = "lg_disability.html"
DQM_url2_3 = "lg_group.html"
DQM_url2_4 = "lg_annuities.html"
DQM_url2_5 = "lg_help.html"

/************************************************
*********-------Sub Menu 3--------Investments***************
************************************************/

DQM_sub_xy3 = "-119,22"
DQM_sub_menu_width3 = 150

DQM_subdesc3_0 = "How can we help you" 
DQM_subdesc3_1 = "Financial Terms"
DQM_icon_index3_0 = 0
DQM_icon_index3_1 = 0
DQM_url3_0 = "investment_help_you.html"
DQM_url3_1 = "#"
DQM_clickitem_code3_1 = "javascript:window.open('investment_financial_terms.html','','width=700,height=500,resizable=yes,scrollbars=yes,toolbar=yes,menubar=yes,status=yes,location=yes,screenX=75,screenY=45');"


/************************************************
*********-------Sub Menu 4--------Value Added Services***************
************************************************/

DQM_sub_xy4 = "-137,22"
DQM_sub_menu_width4 = 195

DQM_subdesc4_0 = "Disaster Recovery Planning"
DQM_subdesc4_1 = ""
DQM_icon_index4_0 = 0
DQM_icon_index4_1 = 0
DQM_url4_0 = "value_disaster.html"
DQM_url4_1 = ""