// make sure there is no comma after the last key-value pair

var arrNAV = {
	"Origination": {
		tooltip:"Origination",
		url:"/origination/origination.html",
		options: {
			"MI on the WEB": {
						tooltip:"MI on the WEB info",
						url:"/origination/miontheweb.html"
			},
			"Loan Center": {
						tooltip:"The Loan Center info",
						url:"/origination/loancenter.html"
			},
			"eMagic": {
						tooltip:"eMagic info",
						url:"/origination/emagic2.html"
			},
			"LOS MI Order Interface": {
						tooltip:"MI Order Interface in your Loan Origination System",
						url:"/origination/los_miorderinterface.html"
			},
			"Other MI Delivery Options": {
						tooltip:"Other MI Delivery Options",
						url:"/origination/othermioptions.html"
			},
			"Contract Services…": {
				tooltip:"Contract Services",
				url:"/origination/contractservices.html",
				options: {
					"· Contract File Delivery Options": {
						tooltip:"Contract File Delivery Options",
						url:"/origination/contractoptions.html"
					},
					"· DU & LP Service": {
						tooltip:"DU Service",
						url:"/origination/dunlpservice.html"
					}
				}
			},
		   "Contact Customer Service": {
				tooltip:"Customer Service",
				url:"/contact/customerservice.html",
				target:"_blank"
			},
		   "MGIC Applications": {
				tooltip:"MGIC Applications",
				url:"/origination/mgic_applications.html"
			},
			"Refi-to-Mod…": {
				tooltip:"",
				url:"/origination/refi_to_mod.html",
				options: {
					"· How to submit to RTM": {
						tooltip:"",
						url:"/origination/submit_rtm.html"
					},					
					"· Activating RTM": {
						tooltip:"",
						url:"/origination/activating_rtm.html"
					},
					"· Q&A - Same Insured/Servicer": {
						tooltip:"",
						url:"/origination/rtm_faq.html"
					},
					"· Q&A - New Insured/Servicer": {
						tooltip:"",
						url:"/origination/rtm_faq_new.html"
		
					}
				}

			
		},
		// "MGIC Master Policy": {
		//	tooltip:"MGIC Master Policy",
		//	url:"/is/cgi-bin/decpdf.cgi?rm=mainpage"
		//},
		   "MIC Information": {
			tooltip:"MIC Information",
			url:"/origination/mic_info.html"
			}
		}
	},  // Origination

	"Servicing": {
		tooltip:"Power Users start here",
		url:"/servicing/servicing.html",
		options: {
			"MI Servicing…": {
				tooltip:"What to do with your MI",
				url:"/servicing/miservicing.html",
				options: {
					"· Activate MI Coverage": {
						tooltip:"Activate MI Coverage",
						url:"/servicing/activatemicoverage.html"
					},
					"· View Insurance Information": {
						tooltip:"Insurance Info",
						url:"/servicing/insuranceinfo.html"
					},
					"· Transfer Servicing": {
						tooltip:"Transfer servicing",
						url:"/servicing/transferservicing.html"
					},
					"· Change Loan Numbers": {
						tooltip:"Change Loan Number",
						url:"/servicing/changeloannumbers.html"
					},
					"· Submit a Loan Modification": {
						tooltip:"Submit a Loan Modification",
						url:"/servicing/submitaloanmod.html"
					},
					"· Cancel MI": {
						tooltip:"Cancel MI",
						url:"/servicing/cancelmi.html"
					},
					"· Send & Receive Files": {
						tooltip:"Send & Receive Files",
						url:"/servicing/sendandreceivefiles.html"
					},
					"· Request Automated Renewal Billing": {
						tooltip:"Request Renewal Billing",
						url:"/servicing/renewalbilling.html"
					},
					"· Order Portfolio Audits": {
						tooltip:"Order Portfolio Audits",
						url:"/servicing/portfolioaudits.html"
					},
					"· Servicing Forms": {
						tooltip:"Servicing Forms",
						url:"/servicing/servicingforms.html",
						options: {
							"·· Loan Mod (web)": {
								tooltip:"",
								url:"/secure/loan_mod.html"
							}
						}

					},
					"· Contact Customer Service": {
						tooltip:"Contact Customer Service",
						url:"/contact/customerservice.html",
						target:"_blank"
					}
				}
			},
			"Default Servicing/Claims…": {
				tooltip:"Deafult Servicing Options",
				url:"/servicing/defaultservicing.html",
				options: {
					"· Report a Delinquency": {
						tooltip:"How to report a delinquent loan",
						url:"/servicing/reportadelinquency.html"
					},
					"· Submit a Loan Modification": {
						tooltip:"Submit a Loan Modification",
						url:"/servicing/submitaloanmod.html"
					},
					"· File a Claim": {
						tooltip:"How to file your claim",
						url:"/servicing/fileaclaim.html"
					},
					"· Bidding Instructions": {
						tooltip:"What to bid at foreclosure sale",
						url:"/servicing/delegatedbidding.html"
					},
					"· State Time Frames": {
						tooltip:"Time allowed from default to claim filing",
						url:"/servicing/statetimeframes.html"
					},
					"· Claims Forms": {
						tooltip:"Claims Forms",
						url:"/servicing/claimsforms.html"
					},
					"· Contact MGIC Claims": {
						tooltip:"Contact MGIC Claims",
						url:"/contact/contactclaims.html",
						target:"_blank"
					}
				}
			},
			"HAMP…": {
			tooltip:"Home Affordable Modification Program (HAMP)",
			url:"/servicing/hamp.html",
					options: {
					"· GSE": {
						tooltip:"",
						url:"/servicing/hamp_gse.html"
					},
					"· Non-GSE": {
						tooltip:"",
						url:"/servicing/hamp_non_gse.html"
					},
					"· Waterfall": {
						tooltip:"",
						url:"/servicing/hamp_waterfall.html"
					},
					"· "Second Look"": {
						tooltip:"",
						url:"/servicing/hamp_second_look.html"
					},
					"· Reporting Templates": {
						tooltip:"",
						url:"/servicing/hamp_forms.html"
					},
					"· Exhibits": {
						tooltip:"",
						url:"/servicing/hamp_exhibits.html"
					},
					"· Q & A": {
						tooltip:"",
						url:"/servicing/hamp_q_and_a.html"
					}
				}
			},
			"Servicing Guidelines": {
			tooltip:"",
			url:"/servicing/servicingguidelines.html"
			},
			"Sign Up for Services": {
			tooltip:"Register to do business online",
			url:"/contact/signup.html"
			}
		}
	},  // MI Services

	"Rates": {
		tooltip:"Rates",
		url:"/rates/rates.html",
		options: {
			"Rate Cards": {
				tooltip:"Rate Cards",
				url:"/rates/ratecards.html"
			},
				"Rate Finder…": {
				tooltip:"Calculate rates online!",
				url:"/is/html/ratefinder.html",
				options: {
					"· Rate Finder Info": {
						tooltip:"",
						url:"/rates/ratefinder.html"
					}
				}
			},
			"Rate Filing Status": {
				tooltip:"Rate Filing Status Info",
				url:"/rates/ratefilingstatus.html"
			},
			"Refund Schedules": {
				tooltip:"Refund Schedules",
				url:"/rates/refundschedules.html"
			},
			"Rate Programs…": {
				tooltip:"Rate Programs",
				url:"/rates/rateprograms.html",
				options: {
					"· Lender-Paid MI": {
						tooltip:"",
						url:"/rates/lenderpaid.html"
					},
					"· Level Annual": {
						tooltip:"",
						url:"/rates/levelannual.html"
					},
					"· Monthly Premiums": {
						tooltip:"",
						url:"/rates/monthlypremiums.html"
					},
					"· One-Time MI": {
						tooltip:"",
						url:"/rates/onetimemi.html"
					},
					"· Split Premiums": {
						tooltip:"",
						url:"/rates/splitpremiums.html"

					}
				}
			
			}
		}
	},  // Rates

	"Guides": {
		tooltip:"Guides",
		url:"/guides/guides.html",
		options: {
			"Underwriting Guides…": {
				tooltip:"Underwriting Guidelines",
				url:"/guides/underwriting.html",
				options: {
					"· Restricted Markets": {
						tooltip:"",
						url:"/guides/restrictedmarkets.html"
					},
					"· Guideline Supplements": {
						tooltip:"",
						url:"/guides/specialmarketguides.html"
					},
					"· Market Trend Analysis": {
						tooltip:"",
						url:"/education/markettrend.html"
					}
				}
			},
			"U/W & Rate Bulletins": {
				tooltip:"Servicing Guidelines",
				url:"/guides/bulletinsandletters.html",
					options: {
					"· 2008": {
						tooltip:"",
						url:"/guides/bulletinsandletters_2008.html"
					},
					"· 2007": {
						tooltip:"",
						url:"/guides/bulletinsandletters_2007.html"
					}
				}
			},
			"HFA Bulletins": {
				tooltip:"",
				url:"/guides/hfa_bulletins.html",
					options: {
					"· 2008": {
						tooltip:"",
						url:"/guides/hfa_bulletins_2008.html"
					}
				}
			},
			"Servicing Guide": {
				tooltip:"",
				url:"/servicing/servicingguidelines.html"
			},
			"Default Servicing Guide": {
				tooltip:"",
				url:"/servicing/servicingguidelines.html"
			},
			"Sign Up for E-Mail Alerts": {
				tooltip:"",
				url:"/rates/rateandguidelineupdates.html"
			}
		}
	},  // Guides
	
	"Business Development": {
		tooltip:"",
		url:"/stratserv/strategicservices.html",
		options: {
			"Consumer Marketing": {
				tooltip:"Consumer Marketing",
				url:"/stratserv/consumermktg.html"
			},
			"Customer Retention": {
				tooltip:"Customer Retention",
				url:"/stratserv/customerretention.html"
			},
			"MGIC's Contract Services": {
				tooltip:"Contract Services",
				url:"/stratserv/contractservices.html"
			},
			"Capital Markets Services…": {
				tooltip:"Capital Markets Services",
				url:"/stratserv/capitalmarkets.html",
				options: {
					"· Wholesale Matchmaking": {
						tooltip:"Wholesale Matchmaking",
						url:"/stratserv/wholesalematchmaking.html"
					}
				}
			}
		}
	},  // Business Development
	
	"Learning Center": {
		tooltip:"",
		url:"/education/education.html",
		options: {
		"MGIC MI Solutions…": {
				tooltip:"",
				url:"/education/mioptions.html",
				options: {
					"· Monthly Premiums": {
						tooltip:"",
						url:"/education/mioptions_monthly.html"
					},
					"· Split Premiums": {
						tooltip:"",
						url:"/education/mioptions_split.html"
					},
					"· One-Time MI": {
						tooltip:"",
						url:"/education/mioptions_singles.html"
					},
					"· SingleFile": {
						tooltip:"",
						url:"/education/mioptions_sifi.html"
					},
					"· SingleFile Investors" :{
						tooltip:"",
						url:"/education/mioptions_sifi_investors.html"
					},
						
					"· Tax Deductibility": {
						tooltip:"",
						url:"/education/mioptions_tax.html"
					}
				}
			},
			"Comparison Calculators": {
				tooltip:"",
				url:"/mgiccalculators/index.html"
			},
			"MI Basics…": {
				tooltip:"",
				url:"/education/mibasics.html",
				options: {
					"· What is MI?": {
						tooltip:"",
						url:"/education/whatismi.html"
					},
					"· MI Q & A": {
						tooltip:"",
						url:"/education/mifaqs.html"
					},
					"· Best Plan for your Borrower": {
						tooltip:"",
						url:"/education/whatsthebestplan.html"
					},
					"· Ordering MI": {
						tooltip:"",
						url:"/education/orderingmi.html"
					},
					"· Cancelling MI": {
						tooltip:"",
						url:"/education/cancellingmi.html"
					}
				}
			},
			"Training Classes…": {
				tooltip:"",
				url:"/education/class_list.html",
				options: {
					"· A.C.T.-ing on Customer Objections": {
						tooltip:"",
						url:"/education/dfl_acting_objections.html"
					},
					"· Appraisal Training": {
						tooltip:"",
						url:"/education/dfl_appraisal.html"
					},
					"· Blended Selling Skills": {
						tooltip:"",
						url:"/education/dfl_blended_selling.html"
					},
					"· Creating Customer Magic": {
						tooltip:"",
						url:"/education/dfl_creating_customer_magic.html"
					},
					"· Credit Scores – Originator Perspective": {
						tooltip:"",
						url:"/education/event_credit_originator_perspective.html"
					},
					"· Customer Service Training": {
						tooltip:"",
						url:"/education/dfl_customer_service.html"
					},
					"· FICO Scores: Credit Scoring Overview": {
						tooltip:"",
						url:"/education/event_fico_overview.html"
					},
					"· Fraud Detection": {
						tooltip:"",
						url:"/education/dfl_fraud.html"
					},
					"· MI Basics": {
						tooltip:"",
						url:"/education/dfl_mi_basics.html"
					},
					"· Putting the Pieces Together": {
						tooltip:"",
						url:"/education/dfl_ptpt.html"
					},
					"· Self-Employed Borrowers": {
						tooltip:"",
						url:"/education/dfl_seb.html"
					},
					"· Success Signals": {
						tooltip:"",
						url:"/education/dfl_success_signals.html"
					}
				}
			},
			"Live on e-Train": {
				tooltip:"",
				url:"/education/etrain.html"
			},
			"Recorded on e-Train": {
				tooltip:"",
				url:"/education/etrain_recorded.html"
			},
			
			"Training Tutorials…": {
				tooltip:"",
				url:"/tutorials/index.html",
				options: {
					"· MI Origination": {
						tooltip:"",
						url:"/tutorials/index.html"
					},
					"· MI Servicing": {
						tooltip:"",
						url:"/tutorials/list_servicing.html"
					},
					"· Default Servicing": {
						tooltip:"",
						url:"/tutorials/list_default_servicing.html"
					},
					"· Claim Filing": {
						tooltip:"",
						url:"/tutorials/list_claims.html"
					}
				}
			},
			"Classroom Training": {
				tooltip:"",
				url:"/education/classroom_training.html"
			},
			"MGIC Trainers…": {
				tooltip:"",
				url:"/education/trainers.html",
				options: {
					"· Rebecca Chase": {
						tooltip:"",
						url:"/education/bio_rebecca_chase.html"
					},
					"· Beryl Johnson": {
						tooltip:"",
						url:"/education/bio_beryl_johnson.html"
					},
					"· BJ McCutcheon": {
						tooltip:"",
						url:"/education/bio_bj_mccutcheon.html"
					},
					"· Jeff Platfoot": {
						tooltip:"",
						url:"/education/bio_jeff_platfoot.html"
					},
					"· Lynne Swatek": {
						tooltip:"",
						url:"/education/bio_lynne_swatek.html"
					},
					"· Terry Ward": {
						tooltip:"",
						url:"/education/bio_terry_ward.html"
					},
					"· Sheryl Yu": {
						tooltip:"",
						url:"/education/bio_sheryl_yu.html"
					}
				}
			},
			"Homebuyer Education…": {
				tooltip:"",
				url:"/education/training.html",
				options: {
					"· Online Education & Certification": {
						tooltip:"",
						url:"/education/buyersed.html"
					},
					"· Buyers Ed Code Registration": {
						tooltip:"",
						url:"/stratserv/oyohlenderegistration.html"

					}
				}

			}
		}
	},   //Learning Center
	
	"Emerging Markets": {
		tooltip:"",
		url:"/emergingmkts/emergingmkts.html",
		options: {
			"HFA Programs": {
				tooltip:"",
				url:"/emergingmkts/housingfinanceagencies.html"
			},
			"GSE Programs": {
						tooltip:"",
						url:"/emergingmkts/gseprograms.html"
			},
			"Educational Resources": {
				tooltip:"",
				url:"/emergingmkts/education.html"
			}
		}
	}  // Emerging Markets
	
};