function MM_findObj(n, d) { //v4.01
  var p,i,x;  if(!d) d=document; if((p=n.indexOf("?"))>0&&parent.frames.length) {
    d=parent.frames[n.substring(p+1)].document; n=n.substring(0,p);}
  if(!(x=d[n])&&d.all) x=d.all[n]; for (i=0;!x&&i<d.forms.length;i++) x=d.forms[i][n];
  for(i=0;!x&&d.layers&&i<d.layers.length;i++) x=MM_findObj(n,d.layers[i].document);
  if(!x && d.getElementById) x=d.getElementById(n); return x;
}

function MM_validateForm() { //v4.0
  var i,p,q,nm,test,num,min,max,errors='',args=MM_validateForm.arguments;
  for (i=0; i<(args.length-2); i+=3) { test=args[i+2]; val=MM_findObj(args[i]);
    if (val) { nm=val.name; if ((val=val.value)!="") {
      if (test.indexOf('isEmail')!=-1) { p=val.indexOf('@');
        if (p<1 || p==(val.length-1)) errors+='- '+nm+' must contain an e-mail address.\n';
      } else if (test!='R') { num = parseFloat(val);
        if (isNaN(val)) errors+='- '+nm+' must contain a number.\n';
        if (test.indexOf('inRange') != -1) { p=test.indexOf(':');
          min=test.substring(8,p); max=test.substring(p+1);
          if (num<min || max<num) errors+='- '+nm+' must contain a number between '+min+' and '+max+'.\n';
    } } } else if (test.charAt(0) == 'R') errors += '- '+nm+' is required.\n'; }
  } if (errors) alert('The following error(s) occurred:\n'+errors);
  document.MM_returnValue = (errors == '');
}
function mmLoadMenus() {
  if (window.mm_menu_1206155124_0) return;
              window.mm_menu_1206155124_0 = new Menu("root",143,16,"",10,"#FFFFFF","#FFFFFF","#CC0066","#00467C","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
  mm_menu_1206155124_0.addMenuItem("What&nbsp;is&nbsp;a&nbsp;Financial&nbsp;Plan","location='financial_planning.htm#define'");
  mm_menu_1206155124_0.addMenuItem("Gearing&nbsp;Strategies","location='financial_planning.htm#gearing'");
  mm_menu_1206155124_0.addMenuItem("Business&nbsp;Plans","location='financial_planning.htm#plans'");
  mm_menu_1206155124_0.addMenuItem("Business&nbsp;Succession","location='financial_planning.htm#succession'");
mm_menu_1206155124_0.addMenuItem("Enduring&nbsp;Power&nbsp;of&nbsp;Attorney","location='financial_planning.htm#endpoa'");
   mm_menu_1206155124_0.hideOnMouseOut=true;
   mm_menu_1206155124_0.bgColor='#FFFFFF';
   mm_menu_1206155124_0.menuBorder=2;
   mm_menu_1206155124_0.menuLiteBgColor='#FFFFFF';
   mm_menu_1206155124_0.menuBorderBgColor='#FFFFFF';
window.mm_menu_1206155621_0 = new Menu("root",160,18,"",10,"#FFFFFF","#FFFFFF","#CC0066","#00467C","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
  mm_menu_1206155621_0.addMenuItem("Income&nbsp;Protection","location='personal_insurance.htm'");
  mm_menu_1206155621_0.addMenuItem("Term&nbsp;Life&nbsp;Insurance","location='personal_insurance.htm#termlife'");
  mm_menu_1206155621_0.addMenuItem("Total&nbsp;and&nbsp;Permanent&nbsp;Disability","location='personal_insurance.htm#permanent'");
  mm_menu_1206155621_0.addMenuItem("Trauma&nbsp;Insurance","location='personal_insurance.htm#trauma'");
  mm_menu_1206155621_0.addMenuItem("Business&nbsp;Expense&nbsp;Insurance","location='personal_insurance.htm#busexp'");
   mm_menu_1206155621_0.hideOnMouseOut=true;
   mm_menu_1206155621_0.bgColor='#FFFFFF';
   mm_menu_1206155621_0.menuBorder=2;
   mm_menu_1206155621_0.menuLiteBgColor='#FFFFFF';
   mm_menu_1206155621_0.menuBorderBgColor='#FFFFFF';

          window.mm_menu_1219141046_0 = new Menu("root",147,16,"",10,"#FFFFFF","#FFFFFF","#CC0066","#00467C","left","middle",3,0,1000,-5,7,true,true,true,0,true,true);
  mm_menu_1219141046_0.addMenuItem("Superannuation Choice","location='superannuation.htm#choice'");
  mm_menu_1219141046_0.addMenuItem("Retirement&nbsp;Income&nbsp;Streams","location='superannuation.htm#stream'");
   mm_menu_1219141046_0.hideOnMouseOut=true;
   mm_menu_1219141046_0.bgColor='#FFFFFF';
   mm_menu_1219141046_0.menuBorder=2;
   mm_menu_1219141046_0.menuLiteBgColor='#FFFFFF';
   mm_menu_1219141046_0.menuBorderBgColor='#FFFFFF';

mm_menu_1219141046_0.writeMenus();
}  // mmLoadMenus()