var topb = ''

topb += ''

// image preload start

topb += '	<div id="imagePreload" style="display:none">'
topb += '	<img src="'+imgpref+'img/bg-topnav-banner.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/logo-ms.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-home-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-careers-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-press-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-contactus-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-globaloffices-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-home-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-careers-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-press-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-contactus-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-globaloffices-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-search.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/btn-orange1.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/utility-loginto.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/bg-topnav.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/bg-subnav.jpg" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/bg-page.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/bg-topnav-divider.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/bg-topnav-shadow.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/bg-topnav-shadow-20.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/bg-topnav-ggrad.gif" alt="" border="0" style="display:none">'


topb += '	<img src="'+imgpref+'img/topnav-views-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/topnav-views-hover.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/topnav-inst-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/topnav-inst-hover.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/topnav-indiv-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/topnav-indiv-hover.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/topnav-about-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/topnav-about-hover.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/topnav-glob-hover.gif" alt="" border="0" style="display:none">'

topb += '	<img src="'+imgpref+'img/dropdown-accounts-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-accounts-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-awards-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-awards-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-careers-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-careers-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-community-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-community-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-company-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-company-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-corpgov-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-corpgov-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-education-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-education-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-gef-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-gef-on.gif" alt="" border="0" style="display:none">'
//topb += '	<img src="'+imgpref+'img/dropdown-gsb-off.gif" alt="" border="0" style="display:none">'
//topb += '	<img src="'+imgpref+'img/dropdown-gsb-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-im-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-im-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-invbank-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-invbank-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-invprod-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-invprod-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-ir-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-ir-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-jacf-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-jacf-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-markets-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-markets-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-offices-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-offices-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-pb-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-pb-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-perspective-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-perspective-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-planning-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-planning-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-press-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-press-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-research-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/ddropdown-research-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-sales-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-sales-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-service-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-service-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-webcasts-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-webcasts-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-wt-off.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-wt-on.gif" alt="" border="0" style="display:none">'
topb += '	<img src="'+imgpref+'img/dropdown-micro-off" alt="" border="0" style="display:none">'
topb += '	</div>'
// image preload end

topb += '	<div id="topBanner">'

topb += '		<div id="logoAndLinks">'
topb += '			<a href="'+imgpref+'index.html" id="logo"><img src="'+imgpref+'img/logo-ms.gif" border="0" alt="Morgan Stanley"></a>'
			
topb += '			<div id="topNavMod">'
topb += '					<div align="right">'
topb += '						<table border="0" cellpadding="0" cellspacing="0" id="utility">'
topb += '							<tr>'
topb += '								<td><a href="'+imgpref+'index.html" onmouseover="mouseOverUtility(this);" onmouseout="mouseOutUtility(this);"><img src="'+imgpref+'img/utility-home-off.gif" alt="" border="0"></a></td>'
topb += '								<td class="ltBlueDivider">|</td>'
topb += '								<td><a href="'+imgpref+'about/careers/index.html" onmouseover="mouseOverUtility(this);" onmouseout="mouseOutUtility(this);"><img src="'+imgpref+'img/utility-careers-off.gif" alt="" border="0"></a></td>'
topb += '								<td class="ltBlueDivider">|</td>'
topb += '								<td><a href="'+imgpref+'about/press/index.html" onmouseover="mouseOverUtility(this);" onmouseout="mouseOutUtility(this);"><img src="'+imgpref+'img/utility-press-off.gif" alt="" border="0"></a></td>'
topb += '								<td class="ltBlueDivider">|</td>'
topb += '								<td><a href="'+imgpref+'contact_us.html" onmouseover="mouseOverUtility(this);" onmouseout="mouseOutUtility(this);"><img src="'+imgpref+'img/utility-contactus-off.gif" alt="" border="0"></a></td>'
topb += '								<td class="ltBlueDivider">|</td>'
// Global Office
topb += '							<td>'
topb += '							<div style="position: relative;" onmouseover="document.getElementById(\'utilityLoginto\').style.display = \'none\'; dropdownmenu(this, event, util1, \'offices\');globaloffdropdownH1();" onmouseout="delayhidemenu();globaloffdropdownS1();"  onclick="" >'

topb += 							'<a href="'+imgpref+'about/offices/index.html" onmouseover="mouseOverUtility(this);" onmouseout="mouseOutUtility(this);"><img src="'+imgpref+'img/utility-globaloffices-off.gif" alt="" border="0"><img src="'+imgpref+'img/utility-arrow-down.gif" alt="" border="0"></a>'


topb += '							</div>'
topb += '							</td>'

// global office

topb += '							</tr>'
topb += '						</table>'
					
topb += '						<table border="0" cellpadding="0" cellspacing="0" class="searchField">'
topb += '							<tr>'
topb += '								<td><img src="'+imgpref+'img/utility-loginto.gif" border="0" alt="LOG IN TO"> &nbsp;&nbsp;</td>'
topb += '								<td>'
topb += '				<form id="quickmenu" name="quickMenu" onsubmit="submitForm(this);">'
topb += '									<select id="utilityLoginto" name="login" class="options" onChange="go()">'
topb += '										<option value="0" selected>Please select</option>'
topb += '										<option value="http://www.morganstanleyclientserv.com">ClientServ</option>'
topb += '										<option value="http://www.morganstanley.com/clientlink/index.html">ClientLink</option>'
topb += '										<option value="http://www.morganstanley.com/businesscape/">BusinesScape</option>'
topb += '										<option value="https://www.icsdelivery.com/morganstanley/formNew3.asp">E-Delivery</option>'
topb += '										<option value="http://www.vankampen.com">Van Kampen</option>'
topb += '										<option value="https://matrix.ms.com">Matrix</option>'
topb += '									</select>'
topb += '				</form>'
topb += '								</td>'
topb += '							</tr>'
topb += '						</table>'
topb += '						<form name="echo" METHOD="POST" ACTION="/web/verity/webapp/search" id="searchMS">'
topb += '							<input type="hidden" name="serverSpec" value="verity.ms.com:7100">'
topb += '							<input type="hidden" name="sortSpec" value="Score desc"/>'
topb += '							<input type="hidden" name="docsStart" value="1" />'
topb += '							<input type="hidden" name="docsCount" value="10" />'
topb += '							<input type="hidden" name="queryParser" value="Simple"/>'
topb += '							<input type="hidden" name="fields" value="MainTitle,Title,PublishDate,Date"/>'
topb += '							<input type="hidden" name="locale" value="uni"/>'
topb += '							<input type="hidden" name="colls" value="msdotcom"/>'
topb += '							<input type="hidden" name="xslSheet" value="/pubweb/data/www.morganstanley.new/docs/webResults.xsl" />'
topb += '							<input type="hidden" name="maxSummaryLength" value="200"/>'
topb += '							<input type="hidden" name="language" value="EN"/>'
topb += '							<table border="0" cellpadding="0" cellspacing="0" class="searchField">'
topb += '								<tr>'
topb += '									<td><img src="'+imgpref+'img/utility-search.gif" border="0" alt="SEARCH"> &nbsp;&nbsp;</td>'
topb += '									<td><input type="input" name="query" value="" class="text" style="border: 1px solid #999999;font-family: Verdana, Arial; font-size: 10px; width: 100px;">&nbsp;<br>'
topb += '									</td>'
topb += '									<td><input type="image" src="'+imgpref+'img/btn-orange1.gif" border="0" alt=""></td>'
topb += '								</tr>'
topb += '							</table>'
topb += '						</form>'
topb += '					</div>'
topb += '			</div>'
topb += '		</div>'

topb += '		<div id="topNav"> <!-- Start of top navigation menus -->'
topb += '			<table border="0" cellpadding="0" cellspacing="0">'
topb += '				<tr>'

if (mb!='views')
topb += '					<td class="topNavButton" onclick="goToUrl(\''+imgpref+'views/index.html\')" onmouseover="dropdownmenu(this, event, menu1, 2);mouseOverTopMenu(this);globaloffdropdownH();" onmouseout="delayhidemenu();globaloffdropdownS();">'
else
topb += '					<td class="topNavButton" onclick="goToUrl(\''+imgpref+'views/index.html\')" onmouseover="document.body.style.cursor=\'hand\';" onmouseout="document.body.style.cursor=\'default\';">'

if (mb=='views'){bs='hover';}else{bs='off';}
topb += '						<img src="'+imgpref+'img/topnav-views-'+bs+'.gif" border="0" alt="">'
topb += '					</td>'
if (mb=='views' || mb=='indiv'){dividerTd='dividerOn';}else{dividerTd='divider';}
topb += '					<td class="'+dividerTd+'">'
topb += '						<img src="'+imgpref+'img/bg-clear.gif" border="0" alt="" width="1" height="1">'
topb += '					</td>'


if (mb!='indiv')
topb += '					<td class="topNavButton" onclick="goToUrl(\'http://www.morganstanleyindividual.com\')" onmouseover="dropdownmenu(this, event, menu2, 2);mouseOverTopMenu(this);globaloffdropdownH();" onmouseout="delayhidemenu();globaloffdropdownS();">'
else
topb += '					<td class="topNavButton" onclick="goToUrl(\'http://www.morganstanleyindividual.com\')" onmouseover="document.body.style.cursor=\'hand\'" onmouseout="document.body.style.cursor=\'default\';">'
if (mb=='indiv'){bs='hover';}else{bs='off';}
topb += '						<img src="'+imgpref+'img/topnav-indiv-'+bs+'.gif" border="0" alt="">'
topb += '					</td>'
if (mb=='indiv' || mb=='inst'){dividerTd='dividerOn';}else{dividerTd='divider';}
topb += '					<td class="'+dividerTd+'">'
topb += '						<img src="'+imgpref+'img/bg-clear.gif" border="0" alt="" width="1" height="1">'
topb += '					</td>'


if (mb!='inst')
topb += '					<td class="topNavButton" onclick="goToUrl(\''+imgpref+'institutional/index.html\')" onmouseover="dropdownmenu(this, event, menu3, 2);mouseOverTopMenu(this);globaloffdropdownH();" onmouseout="delayhidemenu();globaloffdropdownS();">'
else
topb += '					<td class="topNavButton" onclick="goToUrl(\''+imgpref+'institutional/index.html\')" onmouseover="document.body.style.cursor=\'hand\';" onmouseout="document.body.style.cursor=\'default\';">'
if (mb=='inst'){bs='hover';}else{bs='off';}
topb += '						<img src="'+imgpref+'img/topnav-inst-'+bs+'.gif" border="0" alt="">'
topb += '					</td>'
if (mb=='inst' || mb=='glob'){dividerTd='dividerOn';}else{dividerTd='divider';}
topb += '					<td class="'+dividerTd+'">'
topb += '						<img src="'+imgpref+'img/bg-clear.gif" border="0" alt="" width="1" height="1">'
topb += '					</td>'

/////////////////////////////////jv28 Aug


if (mb!='glob')
topb += '					<td class="topNavButton" onclick="goToUrl(\''+imgpref+'globalcitizen/index.html\')" onmouseover="dropdownmenu(this, event, menu4, 2);mouseOverTopMenu(this);globaloffdropdownH();" onmouseout="delayhidemenu();globaloffdropdownS();">'
else
topb += '					<td class="topNavButton" onclick="goToUrl(\''+imgpref+'globalcitizen/index.html\')" onmouseover="document.body.style.cursor=\'hand\';" onmouseout="document.body.style.cursor=\'default\';">'
if (mb=='glob'){bs='hover';}else{bs='off';}
topb += '						<img src="'+imgpref+'img/topnav-glob-'+bs+'.gif" border="0" alt="">'
topb += '					</td>'
if (mb=='glob' || mb=='about'){dividerTd='dividerOn';}else{dividerTd='divider';}
topb += '					<td class="'+dividerTd+'">'
topb += '						<img src="'+imgpref+'img/bg-clear.gif" border="0" alt="" width="1" height="1">'
topb += '					</td>'


///////////////////////////////////////////jv






if (mb!='about')
topb += '					<td class="topNavButton" onclick="goToUrl(\''+imgpref+'about/index.html\')" onmouseover="dropdownmenu(this, event, menu5, 2);mouseOverTopMenu(this);globaloffdropdownH();" onmouseout="delayhidemenu();globaloffdropdownS();">'
else
topb += '					<td class="topNavButton" onclick="goToUrl(\''+imgpref+'about/index.html\')" onmouseover="document.body.style.cursor=\'hand\';" onmouseout="document.body.style.cursor=\'default\';">'
if (mb=='about'){bs='hover';}else{bs='off';}
topb += '						<img src="'+imgpref+'img/topnav-about-'+bs+'.gif" border="0" alt="">'
topb += '					</td>'
if (mb=='about'){dividerTd='dividerOn';}else{dividerTd='divider';}
topb += '					<td class="'+dividerTd+'">'
topb += '						<img src="'+imgpref+'img/bg-clear.gif" border="0" alt="" width="1" height="1">'
topb += '					</td>'
topb += '				</tr>'
topb += '			</table>'
topb += '		</div> <!-- End of top navigation menus -->'

if (mb == 'views'){

	//####### VIEWS SUB
	topb += '		<div id="subNav"> <!-- Start of sub navigation menus -->'
	topb += '			<table border="0" cellpadding="0" cellspacing="0">'
	topb += '				<tr>'
	topb += '					<td id="sub1" class="subNavButton" onclick="goToUrl(\''+imgpref+'views/gef/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='gef'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-gef-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	//topb += '					<td id="sub2" class="subNavButton" onclick="goToUrl(\''+imgpref+'views/gsb/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	//if (subb=='gsb'){bs='on';}else{bs='off';}
	//topb += '						<img src="'+imgpref+'img/subnav-gsb-'+bs+'.jpg" border="0" alt="">'
	//topb += '					</td>'
	topb += '					<td id="sub2" class="subNavButton" onclick="goToUrl(\''+imgpref+'views/jacf/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='jacf'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-jacf-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub3" class="subNavButton" onclick="goToUrl(\''+imgpref+'views/perspectives/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='fp'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-perspectives-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub4" class="subNavButton" onclick="goToUrl(\''+imgpref+'views/gsr/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='gsr'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-gsr-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td>'
	topb += '						<img src="'+imgpref+'img/subnav-rightedge.gif" border="0" alt="" id="rightEdge">'
	topb += '					</td>'
	topb += '				</tr>'
	topb += '			</table>'
	topb += '		</div> <!-- End of sub navigation menus -->'

}

if (mb == 'indiv'){

	//####### INDIVIDUAL SUB
	topb += '		<div id="subNav"> <!-- Start of sub navigation menus -->'
	topb += '			<table border="0" cellpadding="0" cellspacing="0">'
	topb += '				<tr>'
	topb += '					<td id="sub1" class="subNavButton" onclick="goToUrl(\''+imgpref+'individual/ourcommitment/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='wt'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-workingtogether-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub2" class="subNavButton" onclick="goToUrl(\'http://www.morganstanleyindividual.com/planning/\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='planning'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-planning-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub3" class="subNavButton" onclick="goToUrl(\'http://www.morganstanleyindividual.com/investmentproducts/\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='invst'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-investment-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub4" class="subNavButton" onclick="goToUrl(\'http://www.morganstanleyindividual.com/accountoptions/\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='accounts'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-accounts-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub5" class="subNavButton" onclick="goToUrl(\'http://www.morganstanleyindividual.com/markets/\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='markets'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-markets-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub6" class="subNavButton" onclick="goToUrl(\'http://www.morganstanleyindividual.com/customerservice/\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='cs'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-customerservice-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td>'
	topb += '						<img src="'+imgpref+'img/subnav-rightedge.gif" border="0" alt="" id="rightEdge">'
	topb += '					</td>'
	topb += '				</tr>'
	topb += '			</table>'
	topb += '		</div> <!-- End of sub navigation menus -->'

}

else if (mb == 'inst') {

	//####### INST SUB
	topb += '		<div id="subNav"> <!-- Start of sub navigation menus -->'
	topb += '			<table border="0" cellpadding="0" cellspacing="0">'
	topb += '				<tr>'
	topb += '					<td id="sub1" class="subNavButton" onclick="goToUrl(\''+imgpref+'institutional/sales/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='sales'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-sales-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'	
	topb += '					<td id="sub2" class="subNavButton" onclick="goToUrl(\''+imgpref+'institutional/invest_bank/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='invbank'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-invbank-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub3" class="subNavButton" onclick="goToUrl(\'http://www.morganstanley.com/msim/portal/site/UD/?msimPageTitle=start&interactive=false\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='im'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-im-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub4" class="subNavButton" onclick="goToUrl(\''+imgpref+'institutional/primebrokerage/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='pb'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-pb-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub5" class="subNavButton" onclick="goToUrl(\''+imgpref+'institutional/research/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='research'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-research-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'	
	topb += '					<td>'
	topb += '						<img src="'+imgpref+'img/subnav-rightedge.gif" border="0" alt="" id="rightEdge">'
	topb += '					</td>'
	topb += '				</tr>'
	topb += '			</table>'
	topb += '		</div> <!-- End of sub navigation menus -->'

}








































////////////////////////jv



/*else if (mb == 'glob') {

	//####### GLOB SUB
	topb += '		<div id="subNav"> <!-- Start of sub navigation menus -->'
	topb += '			<table border="0"   cellpadding="0" cellspacing="0">'
	topb += '				<tr>'
	topb += '					<td id="sub1" class="subNavButton" onclick="goToUrl(\''+imgpref+'global/microfin/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='micro'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-micro-'+bs+'.jpg" border="0" alt="">'

	topb += '				</tr>'
	topb += '			</table>'
	topb += '		</div> <!-- End of sub navigation menus -->'

}*/

//////////////////////////////////jv


























else if (mb == 'about'){

	//####### ABOUT SUB
	topb += '		<div id="subNav"> <!-- Start of sub navigation menus -->'
	topb += '			<table border="0" cellpadding="0" cellspacing="0">'
	topb += '				<tr>'
	topb += '					<td id="sub1" class="subNavButton" onclick="goToUrl(\''+imgpref+'about/company/history.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='cg'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-compinfo-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub2" class="subNavButton" onclick="goToUrl(\''+imgpref+'about/offices/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='go'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-offices-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub3" class="subNavButton" onclick="goToUrl(\''+imgpref+'about/ir/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='ir'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-ir-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub4" class="subNavButton" onclick="goToUrl(\''+imgpref+'about/careers/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='careers'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-careers-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub6" class="subNavButton" onclick="goToUrl(\''+imgpref+'about/awards/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='awards'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-awards-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td id="sub7" class="subNavButton" onclick="goToUrl(\''+imgpref+'about/press/index.html\')" onmouseover="mouseOverSubMenu(this);" onmouseout="mouseOutSubMenu(this);">'
	if (subb=='press'){bs='on';}else{bs='off';}
	topb += '						<img src="'+imgpref+'img/subnav-press-'+bs+'.jpg" border="0" alt="">'
	topb += '					</td>'
	topb += '					<td>'
	topb += '						<img src="'+imgpref+'img/subnav-rightedge.gif" border="0" alt="" id="rightEdge">'
	topb += '					</td>'
	topb += '				</tr>'
	topb += '			</table>'
	topb += '		</div> <!-- End of sub navigation menus -->'

}

if (window.topgrad){
	topb += '		<div id="topBannerGrad"></div>'
}
		
topb += '	</div>'

document.write(topb)
