function init() {
  var width=150, height=24;
  if(document.layers) width = 190;
  else width = 190;
  var bgColor = "white";
  l = new List(true, width, height+7, bgColor);
  l.setFont("<FONT FACE=Arial,Helvetica' SIZE=2'><B>","</B></FONT>");
    m = new List(false, width, height-6, bgColor);  
    m.setIndent(10);
    m.setFont("<FONT FACE=Arial,Helvetica' SIZE=-2'>","</FONT>");

    m.addItem("<A HREF='heres_why_our_customers_think_so.htm'>Here's why our customers think so</A>");
    m.addItem("<A HREF='why_we_exist.htm'>Why we exist</A>");
    m.addItem("<A HREF='why_should_you_care.htm'>Why should you care</A>");
    m.addItem("<A HREF='in_the_news.htm'>Fidelity Bank in the news</A>");
  l.addList(m, "<strong>Is this any way to run a bank</strong>");

    o = new List(false, width, height-6, bgColor);
    o.setIndent(10);

    o.setFont("<FONT FACE='Arial,Helvetica' SIZE=-2'>","</FONT>");
    o.addItem("<A HREF='checking_choices.htm'>Checking choices</A>");
    o.addItem("<A HREF='easy_access.htm'>Easy access banking services</A>");
  l.addList(o, "<strong>Which checking account is right for you</strong>");

    a = new List(true, width, height, "#EEEEEE");
    a.setIndent(10);

    a.setFont("<FONT FACE='Arial,Helvetica' SIZE=-2'>","</FONT>");
      a = new List(false, width, height-6, bgColor);
      a.setIndent(10);

      a.setFont("<FONT FACE='Arial,Helvetica' SIZE=-2'>","</FONT>");
      a.addItem("<A HREF='money_market.htm'>Money Market</A>");
      a.addItem("<A HREF='certificates_of_deposit.htm'>Certificates of Deposit</A>");
      a.addItem("<A HREF='iras.htm'>IRAs</A>");
      a.addItem("<A HREF='savings.htm'>Savings</A>");
  l.addList(a, "<strong>Savings & Investments</strong>");

      loans = new List(false, width, height-6, bgColor);
      loans.setIndent(10);

      loans.setFont("<FONT FACE='Arial,Helvetica' SIZE=-2'>","</FONT>");
      loans.addItem("<A HREF='buying_a_car.htm'>Buying a car</A>");      
      loans.addItem("<A HREF='home_equity.htm'>Home equity loans & lines</A>");
      loans.addItem("<A HREF='home_improvement.htm'>Home improvement loans</A>");
      loans.addItem("<A HREF='other_loans.htm'>Other loans</A>");
   l.addList(loans,"<strong>Borrowing for a car and other stuff</strong>");

    
      h = new List(false, width, height-6, bgColor);
      h.setIndent(10);

      h.setFont("<FONT FACE='Arial,Helvetica' SIZE=-2'>","</FONT>");
      h.addItem("<A HREF='buying_a_home.htm'>Buying a home</A>");      
      h.addItem("<A HREF='building_a_home.htm'>Building a home</A>");
      h.addItem("<A HREF='refinancing_your_mortgage.htm'>Refinancing your mortgage</A>");
      h.addItem("<A HREF='mortgage_checklist.htm'>Mortgage checklist</A>");
    l.addList(h,"<strong>Buying, building & refinancing</strong>");

     f = new List(false, width, height-6, bgColor);
     f.setIndent(10);

     f.setFont("<FONT FACE='Arial,Helvetica' SIZE=-2'>","</FONT>");
     f.addItem("<A HREF='financial_centers.htm'>Financial centers & advisors</A>");
     f.addItem("<A HREF='home_loan_specialists.htm'>Home loan specialists</A>");
     f.addItem("<A HREF='contact.htm'>Contact us by e-mail</A>");
  l.addList(f, "<strong>Who, where, when & how</strong>");

     n = new List(false, width-30, height, bgColor);
     n.setIndent(10);

     n.setFont("<FONT FACE='Arial,Helvetica' SIZE=-2'>","</FONT>");
     n.addItem("<A HREF='helping_you.htm'>Helping you get where you want to be</A>");
     n.addItem("<A HREF='penny.htm'>Penny for your thoughts</A>");
  l.addList(n, "<strong>Here's how you know we mean what we say</strong>");

z = new List(false, width-30, height, bgColor);
     z.setIndent(10);

     z.setFont("<FONT FACE='Arial,Helvetica' SIZE=-2'>","</FONT>");
     z.addItem("<A HREF='great_jobs.htm'>Current job openings</A>");
  l.addList(z, "<strong>Great jobs at a great bank</strong>");
    
l.addItem("<CENTER><FONT FACE='Arial,Helvetica' FONT SIZE='-2'>Member FDIC<br>Member SIF</FONT></CENTER>");

  l.build(44,125);
}