browser = navigator.appName;
  browserVer = parseInt(navigator.appVersion);
    if (browser == "Netscape" && browserVer >= 3)
      preload = "true";
    else if (browser == "Microsoft Internet Explorer" && browserVer >=3)
      preload = "true";
    else
      preload = "false";
// set up graphics
if (preload == "true") 

{
  // onMouseOver
  sig1 = new Image; sig1.src = "/images/sign_in1.gif";
  con1 = new Image; con1.src = "/images/contact1.gif";
  hom1 = new Image; hom1.src = "/images/home1.gif";
  abo1 = new Image; abo1.src = "/images/about1.gif";
  per1 = new Image; per1.src = "/images/personal1.gif";
  agr1 = new Image; agr1.src = "/images/agricultural1.gif";
  com1 = new Image; com1.src = "/images/commercial1.gif";
  mor1 = new Image; mor1.src = "/images/home_mortgage1.gif";
  onl1 = new Image; onl1.src = "/images/online_banking1.gif";

  // onMouseOut
  sig2 = new Image; sig2.src = "/images/sign_in2.gif";
  con2 = new Image; con2.src = "/images/contact2.gif";
  hom2 = new Image; hom2.src = "/images/home2.gif";
  abo2 = new Image; abo2.src = "/images/about2.gif";
  per2 = new Image; per2.src = "/images/personal2.gif";
  agr2 = new Image; agr2.src = "/images/agricultural2.gif";
  com2 = new Image; com2.src = "/images/commercial2.gif";
  mor2 = new Image; mor2.src = "/images/home_mortgage2.gif";
  onl2 = new Image; onl2.src = "/images/online_banking2.gif";
}

// swap images depending on cursor position over an href
function ImgChange(ImgRef,ImgName) {
  if (preload == "true") {
    document.images[ImgRef].src = eval(ImgName + ".src");
  }
}