/*
Milonic DHTML Menu - JavaScript Website Navigation System.
Copyright 2004 (c) Milonic Solutions Limited. All Rights Reserved.
Version 5+ Data File structure is the property of Milonic Solutions Ltd and must only be used in Milonic DHTML Products
This is a commercial software product, please visit http://www.milonic.com/ for more information.
See http://www.milonic.com/license.php for Commercial License Agreement
All Copyright statements must always remain in place in all files at all times
*******  PLEASE NOTE: THIS IS NOT FREE SOFTWARE, IT MUST BE LICENSED FOR ALL USE  ******* 
THIS IS A LICENCED COPY
*/


_menuCloseDelay=500           // The time delay for menus to remain visible on mouse out
_menuOpenDelay=150            // The time delay before menus open on mouse over
_subOffsettop=10              // Sub menu top offset
_subOffsetLeft=-10            // Sub menu left offset




with(menuStyle=new mm_style()){
onbgcolor="#FFFF00";
oncolor="#8A2BE2";
offbgcolor="#F5F5F5";
offcolor="#000000";
bordercolor="#5F9EA0";
borderstyle="solid";
borderwidth=2;
separatorcolor="#2D729D";
separatorsize="1";
padding=4;
fontsize=11;
fontstyle="normal";
fontweight="bold";
fontfamily="Arial";
pagecolor="FFFFF0";
pagebgcolor="#FFFF00";
headercolor="#000000";
headerbgcolor="#000000";
subimage="arrow.gif";
subimagepadding="1.5";
overfilter="Fade(duration=0;Alpha(opacity=100);Shadow(color='#777777', Direction=135, Strength=4)";
outfilter="randomdissolve(duration=0)";
}


with(milonic=new menuname("Main Menu")){
style=menuStyle;
top=115;
left=20;
alwaysvisible=1;
orientation="horizontal";
aI("text=Home;url=http://www.lyfords.co.nz/;title=Back to Lyfords Home Page;");
aI("text=Clients;showmenu=Clients;");
aI("text=Investments;showmenu=Investments;");
aI("text=Markets;showmenu=Markets;");
aI("text=Insurance;showmenu=Insurance;");
aI("text=Property;showmenu=Property;");
aI("text=Financial Planning;showmenu=Financial Planning;");
aI("text=Money TOOLS;showmenu=Investment Tools;");
aI("text=Business Owners;showmenu=Business Owners;");
aI("text=About us;showmenu=About Us;");
aI("text=Contact us;showmenu=Contact Us;");
}


with(milonic=new menuname("Clients")){
style=menuStyle;
margin=10;
aI("text=Alison on coping with cancer;showmenu=Alison_coping_with_cancer;");
aI("text=Financial Planner of the Year Award;url=/certified_financial_planner_of_year_nz.htm;");
aI("text=FinancialAlert Advisory Practice of the Year Award;url=/financialalert_advisory_practice_of_year.htm;");
aI("text=Frequently Asked Questions;url=/faq.htm;");
aI("text=Jargon Explained;url=/investment_jargon.htm;");
aI("text=Mortgage Broking Service;url=/mortgage_broking.htm;");
aI("text=Motivational Quotes;url=/motivational-quotes.htm;");
aI("text=Newsletters - Investing in Knowledge;url=/newsletters_financial_planning.htm;");
aI("text=Recommended Reading - Bookstore, buy on-line;showmenu=Bookstore;");
aI("text=Seminars;url=/seminars_financial_planning_and_investments.htm;");
aI("text=Service Levels;url=/service_levels.htm;");
aI("text=Share Market Review;url=/investment_market_commentary.htm;");
aI("text=Stay at Mt Lyford Ski Village;url=/holiday/index.htm;");
aI("text=Testimonials;url=/testimonials_clients_financial_planning.htm;");
aI("text=Useful Resources;url=/useful_resources.htm;");
aI("text=YOUR INVESTMENT PORTFOLIO;url=/your_investment_portfolio.htm;");
}

with(milonic=new menuname("Alison_coping_with_cancer")){
style=menuStyle;
overflow="scroll";
aI("text=Alison on coping with cancer;url=/alison_coping_with_cancer.htm;");
aI("text=Alison's cancer diary;url=/cancerdiary;");
}

with(milonic=new menuname("Bookstore")){
style=menuStyle;
overflow="scroll";
aI("text=Books for Business Owners;url=/books_business_owners.htm;");
aI("text=Books on Family Trusts;url=/books_family_trusts.htm;");
aI("text=Books on Financial Planning;url=/books_financial_planning.htm;");
aI("text=Books on Investing;url=/books_investing.htm;");
aI("text=Books on Property;url=/books_property.htm;");
aI("text=Books on Taxation;url=/books_taxation.htm;");
}


with(milonic=new menuname("Property")){

style=menuStyle;
overflow="scroll";
aI("text=Asset Rich, Income Poor ;url=/money_in_retirement.htm;");
aI("text=Buy Property at Wholesale Prices;url=/buy_property_at_wholesale_prices.htm;");
aI("text=Mortgage Broking Service (Home Loans);url=/mortgage_broking.htm;");
aI("text=Rental Property;url=/rental_property_investment.htm;");
aI("text=Rental Property Calculators;showmenu=Rental Calculators;");
aI("text=Using an LAQC Company;url=/laqc_companies.htm;");
}


with(milonic=new menuname("Rental Calculators")){
style=menuStyle;
overflow="scroll";
aI("text=Mortgage Calculator;url=/calculator_mortgage.htm;");
aI("text=Rent or Own Calculator;url=/calculator_rent_own.htm;");
aI("text=Rental Yield Calculator;url=/calculator_rental_yield.htm;");
}


with(milonic=new menuname("Investments")){
style=menuStyle;
margin=10;
overflow="scroll";
aI("text=Asset Allocation;url=/asset_allocation_investing.htm;");
aI("text=Asset Rich, Income Poor?;url=/money_in_retirement.htm;");
aI("text=Capital Protected Funds;showmenu=Capital Protected;");
aI("text=Cheque account no fees;url=/cash_cheque_account_no_fees.htm;");
aI("text=Credit Crisis of 2007/8;url=/credit-crisis.htm;");
aI("text=Expatriots;url=/ex_pats.htm;");
aI("text=Fixed Interest;showmenu=Fixed Interest;");
aI("text=Forestry;url=/forestry_investment.htm;");
aI("text=Futures, Hedge & Options Funds;url=/hedge_funds_futures.htm;");
aI("text=Kiwi Saver Scheme;url=/kiwi_saver.htm;");
aI("text=Leveraged Investments;showmenu=Leveraged Investments;");
aI("text=LYFORDS OneAnswer Portfolio Management Service;url=/oneanswer.htm;");
aI("text=Managed Funds;url=/unit_trusts_investing.htm;");
aI("text=NZ Investments;url=/nz_opportunities.htm;");
aI("text=OEIC Funds;url=/oeic_funds.htm;");
aI("text=Regular Investing - dollar cost averaging;url=/investing_regularly_dollar_cost_averaging.htm;");
aI("text=Rental Property;showmenu=Property;");
aI("text=Risk/Return Profiler;url=/investment_risk_return_profiler.htm;");
aI("text=Salary Sacrifice (how to pay less tax);url=/investing_regularly_dollar_cost_averaging.htm;");
aI("text=Share Investing;url=/share_investing.htm;");
aI("text=Taxation;showmenu=Taxation;");
aI("text=UK Pension Transfer to NZ;url=/pension_transfer/index.htm;");
aI("text=Wholesale Funds;url=/private_portfolio_service_master_trust.htm;");
}


with(milonic=new menuname("Taxation")){
style=menuStyle;
overflow="scroll";
aI("text=Taxation;url=/taxation.htm;");
aI("text=Taxation Changes 1st April 2007;url=/investment_tax_changes.htm;");
}


with(milonic=new menuname("Capital Protected")){
style=menuStyle;
overflow="scroll";
aI("text=LionTamer Funds;url=/capital_protected.htm;");
aI("text=OM-IP Funds;url=/hedge_funds_futures.htm;");
}


with(milonic=new menuname("Retirement")){
style=menuStyle;
overflow="scroll";
aI("text=Already Retired?;url=/already_retired_retirement_planning.htm;");
aI("text=Asset Testing - rest homes;url=/asset_testing_rest_homes.htm;");
aI("text=Retirement Calculator;url=/calculator_retirement_savings.htm;");
aI("text=Retirement Planning;url=/retirement_planning.htm;");
aI("text=Asset Rich, Income Poor?;url=/money_in_retirement.htm;");
}




with(milonic=new menuname("Leveraged Investments")){
style=menuStyle;
overflow="scroll";
aI("text=Leveraged Investments - What are they?;url=/leveraged_investments.htm;");
aI("text=Rental Properties;url=/rental_property_investment.htm;");
aI("text=Fidelity Options Fund;url=/fidelity_options_fund.htm;");
aI("text=Futures & Hedge Funds;url=/hedge_funds_futures.htm;");
}


with(milonic=new menuname("Fixed Interest")){
style=menuStyle;
aI("text=Secured Debentures;url=/fixed_interest.htm;");
aI("text=Capital Notes;url=/fixed_interest.htm;");
aI("text=Government Guarantee, Credit Ratings;url=/credit-ratings-government-guarantee.htm;");
}


with(milonic=new menuname("Markets")){
style=menuStyle;
margin=10;
aI("text=Economic Cycle;url=/economic_cycle.htm;");
aI("text=History of Dow Jones;url=/dow_jones.htm;");
aI("text=Impact of Terrorism;url=/impact_of_terrorism.htm;");
aI("text=Investment Market Commentary;url=/investment_market_commentary.htm;");
aI("text=Share Market Recovery;url=/share_market_recovery.htm;");
aI("text=Why invest off shore?;url=/why_invest_off_shore.htm;");
}


with(milonic=new menuname("insurance")){
style=menuStyle;
margin=10;
aI("text=Business Succession Planning;url=/business_succession_planning.htm;");
aI("text=Income Protection Insurance;url=/income_protection_insurance.htm;");
aI("text=Life Insurance;url=/life_insurance.htm;");
aI("text=Medical/Health Insurance;url=/medical_insurance.htm;");
aI("text=Trauma/Living Insurance;url=/trauma_insurance.htm;");
aI("text=Alison on coping with cancer;showmenu=Alison_coping_with_cancer;");
}


with(milonic=new menuname("Financial Planning")){
style=menuStyle;
margin=10;
aI("text=Choosing Your Financial Planner;showmenu=Choosing a Financial Planner;");
aI("text=Estate Planning;showmenu=Estate Planning;");
aI("text=Financial Planning;url=/financial_planning.htm;");
aI("text=Jargon Explained;url=/investment_jargon.htm;");
aI("text=Money Articles;showmenu=Money articles;");
aI("text=Retirement Planning;showmenu=retirement;");
}


with(milonic=new menuname("Choosing a Financial Planner")){
style=menuStyle;
margin=10;
aI("text=Questions to Ask Your Financial Planner;url=/questions_to_ask_your_financial_planner.htm;");
aI("text=Financial Planner of the Year 2004;url=/certified_financial_planner_of_year_nz.htm;");
aI("text=Financialalert Advisory Practice of the Year 2005;url=/financialalert_advisory_practice_of_year.htm;");
aI("text=Quality of Advice Guarantee;url=/lyfords_guarantee_of_quality_advice.htm;");
aI("text=Which Adviser?;url=/which_financial_planning_adviser.htm;");
aI("text=Why choose a Certified Financial Planner(CFP)?;url=/why_choose_a_certified_financial_planner.htm;");
}


with(milonic=new menuname("Money Articles")){
style=menuStyle;
margin=10;
aI("text=Money Articles;url=/money_articles.htm;");
aI("text=Money Articles Continued;url=/money_articles_contd.htm;");
}


with(milonic=new menuname("Investment Tools")){
style=menuStyle;
margin=10;
aI("text=Dictionary of Investment terms;url=/investment_jargon.htm;");
aI("text=Financial Calculators;showmenu=calculators;status=Financial Calculators;");
aI("text=Recommended Reading - Bookstore, buy on-line;showmenu=Bookstore;");
aI("text=The Golden Rules of Investing;url=/golden_rules_of_investing.htm;");
aI("text=Your Investment Risk/Return Profile? ;url=/investment_risk_return_profiler.htm;");
}


with(milonic=new menuname("Calculators")){
style=menuStyle;
overflow="scroll";
aI("text=Calculator - scientific;url=/calculator.htm;");
aI("text=Education Calculator;url=/calculator_education.htm;");
aI("text=Exchange Rate Calculator;url=/calculator_exchange_rate.htm;");
aI("text=Facts About You Calculator;url=/calculator_about_you.htm;");
aI("text=Goal Savings Calculator;url=/calculator_goals_savings.htm;");
aI("text=Health Calculator;url=/calculator_health.htm;");
aI("text=Inflation Calculator;url=/calculator_inflation.htm;");
aI("text=Insurance Calculator;url=/calculator_insurance.htm;");
aI("text=Mortgage Calculator;url=/calculator_mortgage.htm;");
aI("text=Own or Lease Car Calculator;url=/calculator_own_lease.htm;");
aI("text=PAYE Tax Calculator;url=/calculator_paye_tax.htm;");
aI("text=Rent or Own Calculator;url=/calculator_rent_own.htm;");
aI("text=Rental Yield Calculator;url=/calculator_rental_yield.htm;");
aI("text=Retirement Calculator;url=/calculator_retirement_savings.htm;");
aI("text=Risk/Return Calculator;url=/investment_risk_return_profiler.htm;");
aI("text=Savings Calculator;url=/calculator_savings.htm;");
aI("text=Smoking Financial Cost;url=/calculator_smoking.htm;");
}


with(milonic=new menuname("Business Owners")){
style=menuStyle;
margin=10;
aI("text=Building Your Personal Wealth Plan;url=/building_your_personal_wealth.htm;");
aI("text=Business Succession Planning;url=/business_succession_planning.htm;");
aI("text=Buy-Sell Agreements;url=/buy-sell_agreements.htm;");
aI("text=Directors Liabilities & Reckless Trading;url=/directors_liabilities.htm;");
aI("text=Employment Law;url=/employment_law.htm;");
aI("text=Group Medical Insurance;url=/group_medical_insurance.htm;");
aI("text=LAQC Companies;url=/laqc_companies.htm;");
aI("text=Own or Lease your vehicles;url=/calculator_own_lease.htm;");
aI("text=PAYE Tax Calculator;url=/calculator_paye_tax.htm;");
aI("text=Recommended Reading;url=/books_business_owners.htm;");
aI("text=Seven Habits of Highly Effective Managers;url=/seven_habits.htm;");
aI("text=Shareholder Dividends;url=/shareholder_dividends.htm;");
aI("text=Accountants;url=/accountants_financial_planning.htm;");
aI("text=Solicitors;url=/solicitors_financial_planning.htm;");
aI("text=Useful Resources for Business Owners;url=/useful_resources_business.htm;");
}


with(milonic=new menuname("Estate Planning")){
style=menuStyle;
margin=10;
aI("text=Asset Testing - rest homes;url=/asset_testing_rest_homes.htm;");
aI("text=Enduring Powers of Attorney;url=/enduring_powers_of_attorney.htm;");
aI("text=Family Trusts;showmenu=Family Trusts;");
aI("text=Property Relationships Act;url=/property_relationships_act.htm;");
}


with(milonic=new menuname("Family Trusts")){
style=menuStyle;
margin=10;
aI("text=Family Trusts;url=/family_trusts.htm;");
aI("text=Gifting;url=/gifting_and_rates_family_trusts.htm;");
aI("text=Role of Trustees;url=/role_of_trustees_family_trusts.htm;");
}


with(milonic=new menuname("About us")){
style=menuStyle;
margin=10;
aI("text=Client Testimonials;url=/testimonials_clients_financial_planning.htm;");
aI("text=Eleven ways LYFORDS is different;url=/financial_planning_excellence.htm;");
aI("text=Our Advisers;url=/investment_advisers_financial_planners.htm;");
aI("text=Our Company;url=/about_lyfords.htm;");
aI("text=Our Guarantee;url=/lyfords_guarantee_of_quality_advice.htm;");
aI("text=Our Values;url=/lyfords_values.htm;");
}


with(milonic=new menuname("Contact us")){
style=menuStyle;
margin=10;
aI("text=Contact Us;url=/contact_lyfords_financial_planning_investment_advice.htm;");
aI("text=How to find us - map;url=/map_financial_planning_excellence.htm;");
}


drawMenus();