if (mtDropDown.isSupported()) {

		//==================================================================================================
		// create a set of dropdowns
		//==================================================================================================
		// the first param should always be down, as it is here
		//
		// The second and third param are the top and left offset positions of the menus from their actuators
		// respectively. To make a menu appear a little to the left and bottom of an actuator, you could use
		// something like -5, 5
		//
		// The last parameter can be .topLeft, .bottomLeft, .topRight, or .bottomRight to inidicate the corner
		// of the actuator from which to measure the offset positions above. Here we are saying we want the 
		// menu to appear directly below the bottom left corner of the actuator
		//==================================================================================================
		var ms = new mtDropDownSet(mtDropDown.direction.down, 0, 0, mtDropDown.reference.bottomLeft);

		//==================================================================================================
		// create a dropdown menu
		//==================================================================================================
		// the first parameter should be the HTML element which will act actuator for the menu
		//==================================================================================================
		var menu1 = ms.addMenu(document.getElementById("menu1"));
		menu1.addItem("Checking and Savings", "/personal/checkingsavings/checking.htm");
		menu1.addItem("Lending", "/personal/lending/mortgage.htm");
		menu1.addItem("Investments", "/personal/investments/retirement.htm");
		//menu1.addItem("Money Management Account", "http://www.mma-us.com/");
		//==================================================================================================

		//==================================================================================================
		// add a sub-menu
		//==================================================================================================
		// to add a sub menu to an existing menu object, call it's addMenu method and pass it the item from
		// the parent menu which should act as it's actuator. To add a submenu to the fourth item of a menu
		// called "theMenu", you would do theMenu.addMenu(theMenu.items[3])
		//==================================================================================================
/*		var subMenu1 = menu1.addMenu(menu1.items[0]);
		subMenu1.addItem("Overview", "#");
		subMenu1.addItem("Checking", "#");
		subMenu1.addItem("Savings", "#");
		subMenu1.addItem("Time Deposits", "#");
*/		
		var menu2 = ms.addMenu(document.getElementById("menu2"));
		menu2.addItem("Checking and Savings","/business/checkingsavings/checking.htm");
		menu2.addItem("Lending", "/business/lending/commercialre.htm");
		menu2.addItem("Cash Management", "/business/cashmanagement/overview.htm");

	    var menu3 = ms.addMenu(document.getElementById("menu3"));
	    menu3.addItem("Foreign Exchange Trading","/treasuryservices/foreignexchtrade.htm");
		menu3.addItem("Interest Rate Hedging", "/treasuryservices/intratehedging.htm");
/*		menu3.addItem("Investment Services", "investservices.htm");
		menu3.addItem("Correspondent Banking Services", "corresbanking.htm");
*/
		var menu4 = ms.addMenu(document.getElementById("menu4"));
		menu4.addItem("CrossPacific Account","/crosspacificfinservices/cpa.htm");
		menu4.addItem("InterContinental Financial Services", "/crosspacificfinservices/introduction.htm");

		//==================================================================================================
		// write drop downs into page
		//==================================================================================================
		// this method writes all the HTML for the menus into the page with document.write(). It must be
		// called within the body of the HTML page.
		//==================================================================================================
		mtDropDown.renderAll();
	}