function wfoot(){

                   document.write('<TABLE border="0" ALIGN="MIDDLE">');

			           document.write('  <TR><TD BGCOLOR="#000066" ><img src="image/spacer.gif" HEIGHT=10></TD></TR>');

                   document.write(' <TR>');

                   document.write('   <TD ALIGN="CENTER" BGCOLOR="WHITE">');

                   document.write('     <FONT FACE="Arial Narrow" SIZE="-1"><B>');

                   document.write('       <A HREF="../index.html"   >Home              </A>-');

                   document.write('      <A HREF="../about.html"   >About Us          </A>-');

                   document.write('      <A HREF="../staff.html"   >Staff             </A>-');

                   document.write('      <A HREF="../quote.html"   >Quotes            </A>-');

                   document.write('      <A HREF="../svcs.html"    >Services          </A>- ');

                   document.write('      <A HREF="../comp.html"    >Companies         </A>-');

                   document.write('      <A HREF="../client.html"  >Clients Speak Out </A>-');

                   document.write('      <A HREF="../cont.html"    >Contact Us        </A>-');

                   document.write('      <A HREF="../tips.html"    >Tips              </A>');

                   document.write('    </B></FONT>');

                   document.write('  </TD>');

                   document.write('</TR>');

 			           document.write('<TR><TD BGCOLOR="#000066" ><img src="image/spacer.gif" HEIGHT=10></TD></TR>');

			           document.write('<TR>');

                   document.write('<TD ALIGN="CENTER" BGCOLOR="WHITE">');

                   document.write('  <FONT FACE="Arial Narrow" SIZE="-1"><B>');

                   document.write('    <A HREF="../xpers.html"   >Personal       </A>-');

                   document.write('    <A HREF="../xcomm.html"   >Commercial     </A>-');

                   document.write('    <A HREF="../xfins.html"   >Financial      </A>-');

                   document.write('    <A HREF="../xbond.html"   >Bonds          </A>-');

                   document.write('    <A HREF="../xclaim.html"  >Claims         </A>'); 

					   document.write('  </B></FONT>');

                   document.write(' </TD>');

                   document.write('</TR>');

			           document.write('<TR><TD BGCOLOR="#000066" ><img src="image/spacer.gif" HEIGHT=10></TD></TR>');

                   document.write('</TABLE>');

}