optmenu = true;
optimgname = "images/r_menu.gif";
hidedivs = [ "DROPDOWN" ];	

var optmenuarray = new Array();
optmenuarray[0] = new makeMenuArray("Credit Ratings", "credit01.htm", "", "", "", "");
optmenuarray[1] = new makeMenuArray("Responsible Borrowing", "borrow01.htm", "", "", "", "");
optmenuarray[2] = new makeMenuArray("Credit Fundamentals", "#", "", "", "", "");
optmenuarray[3] = new makeMenuArray("Learning the Basics", "credit02.htm", "", "", "", "2");
optmenuarray[4] = new makeMenuArray("Other Credit Options To Consider", "credit04.htm", "", "", "", "2");
optmenuarray[5] = new makeMenuArray("Which Type is Right for You?", "credit05.htm", "", "", "", "2");
optmenuarray[6] = new makeMenuArray("How Much Credit Can You Afford?", "credit06.htm", "", "", "", "2");
optmenuarray[7] = new makeMenuArray("Your Credit Profile", "credit07.htm", "", "", "", "2");
optmenuarray[8] = new makeMenuArray("Applying for Credit", "credit08.htm", "", "", "", "2");
optmenuarray[9] = new makeMenuArray("The 5 C’s of Good Credit", "credit09.htm", "", "", "", "2");
optmenuarray[10] = new makeMenuArray("Tips for Maintaining Good Credit", "credit10.htm", "", "", "", "2");
optmenuarray[11] = new makeMenuArray("Business & Personal Credit", "#", "", "", "", "");
optmenuarray[12] = new makeMenuArray("Why You Need Good Credit", "business01.htm", "", "", "", "11");
optmenuarray[13] = new makeMenuArray("Personal Credit", "business02.htm", "", "", "", "11");
optmenuarray[14] = new makeMenuArray("Business Credit", "business03.htm", "", "", "", "11");
optmenuarray[15] = new makeMenuArray("Credit & Your Business", "#", "", "", "", "");
optmenuarray[16] = new makeMenuArray("Why Use Credit Cards?", "cards01.htm", "", "", "", "15");
optmenuarray[17] = new makeMenuArray("Credit Limits", "cards02.htm", "", "", "", "15");
optmenuarray[18] = new makeMenuArray("Cash Advances", "cards03.htm", "", "", "", "15");
optmenuarray[19] = new makeMenuArray("Paying for Credit", "cards04.htm", "", "", "", "15");
optmenuarray[20] = new makeMenuArray("Minimum Due", "credit03.htm", "", "", "", "15");
optmenuarray[21] = new makeMenuArray("What If You Owe Too Much?", "credit11.htm", "", "", "", "15");
optmenuarray[22] = new makeMenuArray("Using Business Credit Cards", "cards06.htm", "", "", "", "15");
optmenuarray[23] = new makeMenuArray("Debit, Charge and Store Cards", "cards07.htm", "", "", "", "15");
optmenuarray[24] = new makeMenuArray("Important Credit Card Definitions", "cards08.htm", "", "", "", "15");