function LibItem(ttl,url)
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var Lib01 = new Array();
	Lib01[0] = new LibItem("Estate Planning - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=695");
	Lib01[1] = new LibItem("Understanding the Basics", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=696");
	Lib01[2] = new LibItem("Critical Decisions", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=707");
	Lib01[3] = new LibItem("Important Legal Documents", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=713");
	Lib01[4] = new LibItem("What Happens After You Die", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=720");
	Lib01[5] = new LibItem("Estate and Gift Taxes", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=724");
	Lib01[6] = new LibItem("Planning Steps for Your Estate", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=730");
	Lib01[7] = new LibItem("Trusts", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1531");
	Lib01[8] = new LibItem("Estate Planning Glossary", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=734");
	Lib01[9] = new LibItem("Worksheet: What's Your Estate Worth?", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=735");
	Lib01[10] = new LibItem("Worksheet: Your Estate Wishes", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=736");


var Lib02 = new Array();
	Lib02[0] = new LibItem("Investing for Retirement - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=737");
	Lib02[1] = new LibItem("Understanding the Basics", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=738");
	Lib02[2] = new LibItem("Basic Investment Concepts", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=745");
	Lib02[3] = new LibItem("The Nuts and Bolts of a 401(k) plan", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=751");
	Lib02[4] = new LibItem("Managing Your 401(k) Investments", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=763");
	Lib02[5] = new LibItem("Pre-Retirement Withdrawals from Your 401(k)", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=774");
	Lib02[6] = new LibItem("Your 401(k) When Switching Jobs", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=779");
	Lib02[7] = new LibItem("Distributions from Your 401(k) at Retirement", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=785");
	Lib02[8] = new LibItem("An Overview of 403(b) and Section 457 Plans", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=792");
	Lib02[9] = new LibItem("Glossary", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=795");

var Lib03 = new Array();
	Lib03[0] = new LibItem("Getting Ready to Retire - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=796");
	Lib03[1] = new LibItem("Understanding the Basics", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=797");
	Lib03[2] = new LibItem("Medicare", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=807");
	Lib03[3] = new LibItem("Long-Term Care Insurance", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=813");
	Lib03[4] = new LibItem("Life Insurance", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=818");
	Lib03[5] = new LibItem("Taking Inventory", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=819");
	Lib03[6] = new LibItem("Your Social Security Benefits", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=825");
	Lib03[7] = new LibItem("Discovering Your Retirement Lifestyle", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=836");
	Lib03[8] = new LibItem("Fine-Tuning Your Investment Strategy", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=840");
	Lib03[9] = new LibItem("Distributions from Your Retirement Plan", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=846");
	Lib03[10] = new LibItem("The Role of Your Home in Retirement", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=865");
	Lib03[11] = new LibItem("Estate Planning Considerations", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=870");
	Lib03[12] = new LibItem("Countdown to Retirement", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=876");
	Lib03[13] = new LibItem("Glossary", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1105");

var Lib04 = new Array();
	Lib04[0] = new LibItem("Insurance: Managing Life's Major Risks - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=882");
	Lib04[1] = new LibItem("Introduction", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=883");
	Lib04[2] = new LibItem("Disability Ins.: Making Sure the Income Stream Doesn't Run Dry", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=887");
	Lib04[3] = new LibItem("Life Insurance: Providing Security for Your Survivors", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=895");
	Lib04[4] = new LibItem("Medical Insurance", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=913");
	Lib04[5] = new LibItem("Health Savings Accounts", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=927");
	Lib04[6] = new LibItem("Long-Term Care Insurance", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=941");
	Lib04[7] = new LibItem("Automobile Insurance", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=946");
	Lib04[8] = new LibItem("Homeowner's Insurance", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1524");
	Lib04[9] = new LibItem("Putting It All Together", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=960");
	Lib04[10] = new LibItem("Glossary", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=961");
	Lib04[11] = new LibItem("Worksheet: Premium Comparison", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=962");
	Lib04[12] = new LibItem("Insurance Checklist", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=963");

var Lib05 = new Array();
	Lib05[0] = new LibItem("Investing & Investments - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=964");
	Lib05[1] = new LibItem("Basic Principles of Investing", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=965");
	Lib05[2] = new LibItem("Stocks and Bonds", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=979");
	Lib05[3] = new LibItem("Mutual Funds", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=982");
	Lib05[4] = new LibItem("Fixed Annuities", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=989");
	Lib05[5] = new LibItem("Variable Annuities", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=998");
	Lib05[6] = new LibItem("Other Investments", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1007");
	Lib05[7] = new LibItem("Tax Planning", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1012");
	Lib05[8] = new LibItem("Tax-Deferred and Tax-Free Investments", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1017");
	Lib05[9] = new LibItem("Glossary", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1106");
	Lib05[10] = new LibItem("Worksheet: Mutual Fund Shares", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1107");

var Lib06 = new Array();
	Lib06[0] = new LibItem("Retirement Investments - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1023");
	Lib06[1] = new LibItem("Understanding the Basics", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1024");
	Lib06[2] = new LibItem("Tax-Advantaged Retirement Savings at Your Company", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1037");
	Lib06[3] = new LibItem("IRAs (Individual Retirement Accounts)", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1040");
	Lib06[4] = new LibItem("Keogh Plans", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1056");
	Lib06[5] = new LibItem("Simplified Employee Pensions (SEPs) and SIMPLE Plans", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1059");
	Lib06[6] = new LibItem("Annuities", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1065");
	Lib06[7] = new LibItem("Cash Value Life Insurance", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1071");
	Lib06[8] = new LibItem("Other Ways to Supplement Your Retirement Income", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1076");
	Lib06[9] = new LibItem("Managing Your Retirement Investments", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1087");
	Lib06[10] = new LibItem("Making Your Retirement Stream Last", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1096");
	Lib06[11] = new LibItem("Putting It All Together", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1102");
	Lib06[12] = new LibItem("Glossary", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1103");

var Lib07 = new Array();
	Lib07[0] = new LibItem("College Funding - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1108");
	Lib07[1] = new LibItem("Introduction", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1115");
	Lib07[2] = new LibItem("Age-Appropriate Strategies", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1121");
	Lib07[3] = new LibItem("The Cost", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1126");
	Lib07[4] = new LibItem("Developing a Funding Strategy", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1131");
	Lib07[5] = new LibItem("Investment Vehicles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1139");
	Lib07[6] = new LibItem("Saving Taxes", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1145");
	Lib07[7] = new LibItem("Other Ways to Meet College Costs", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1150");
	Lib07[8] = new LibItem("Parental Loans for Learning", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1156");
	Lib07[9] = new LibItem("Landing Financial Aid", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1162");
	Lib07[10] = new LibItem("Education Tax Incentives", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1168");
	Lib07[11] = new LibItem("Federal Loans and Grants", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1172");
	Lib07[12] = new LibItem("Glossary", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1173");
	Lib07[13] = new LibItem("Worksheet: Inflation", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1174");
	Lib07[14] = new LibItem("Worksheet: Putting It All Together", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1175")

var Lib08 = new Array();
	Lib08[0] = new LibItem("Buying/Selling Your Home & Other Real Estate - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1208");
	Lib08[1] = new LibItem("Introduction", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1209");
	Lib08[2] = new LibItem("Buying a Home", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1214");
	Lib08[3] = new LibItem("Real Estate Brokers", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1222");
	Lib08[4] = new LibItem("How Much Can You Afford?", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1226");
	Lib08[5] = new LibItem("Mortgage Financing", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1234");
	Lib08[6] = new LibItem("Buying Investment Property", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1240");
	Lib08[7] = new LibItem("Buying a Vacation Home", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1252");
	Lib08[8] = new LibItem("The Buying Transaction", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1259");
	Lib08[9] = new LibItem("Insuring the Property", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1269");
	Lib08[10] = new LibItem("The Closing", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1277");
	Lib08[11] = new LibItem("Selling Real Estate", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1285");
	Lib08[12] = new LibItem("Selling Investment Property and Vacation Homes", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1306");
	Lib08[13] = new LibItem("Worksheet: Estimated Sales Proceeds", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1312");
	Lib08[14] = new LibItem("Worksheet: Broker Comparison Checklist", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1313");
	Lib08[15] = new LibItem("Sprucing-Up Checklist", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1314");
	Lib08[16] = new LibItem("Glossary", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1315");

var Lib09 = new Array();
	Lib09[0] = new LibItem("Cash & Debt Management - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1335");
	Lib09[1] = new LibItem("Introduction", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1336");
	Lib09[2] = new LibItem("Start with Planning", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1344");
	Lib09[3] = new LibItem("Looking at Your Spending and Debt", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1350");
	Lib09[4] = new LibItem("Building a Savings Plan", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1562");
	Lib09[5] = new LibItem("Managing Your Credit and Debt", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1364");
	Lib09[6] = new LibItem("Refinancing Your Mortgage", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1376");
	Lib09[7] = new LibItem("Taking Out a Home Equity Loan", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1384");
	Lib09[8] = new LibItem("Other Borrowing Approaches", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1391");
	Lib09[9] = new LibItem("Worksheets", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1401");
	Lib09[10] = new LibItem("Glossary", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1475");

var Lib10 = new Array();
	Lib10[0] = new LibItem("Major Life Events - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1415");
	Lib10[1] = new LibItem("Introduction", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1416");
	Lib10[2] = new LibItem("Your New Baby", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1417");
	Lib10[3] = new LibItem("Divorce and Remarriage", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1426");
	Lib10[4] = new LibItem("Taking Care of Elderly Loved Ones", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1433");
	Lib10[5] = new LibItem("Buy or Lease a Car", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1545");

var Lib11 = new Array();
	Lib11[0] = new LibItem("Career Transition - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1442");
	Lib11[1] = new LibItem("Introduction", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1443");
	Lib11[2] = new LibItem("Knowing Where You Stand", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1448");
	Lib11[3] = new LibItem("Making Some Adjustments", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1453");
	Lib11[4] = new LibItem("Where Will the Income Come From?", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1457");
	Lib11[5] = new LibItem("Your Job Search: It's a Process", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1464");
	Lib11[6] = new LibItem("After You Find a New Job", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1471");
	Lib11[7] = new LibItem("Glossary", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1474");

var Lib12 = new Array();
	Lib12[0] = new LibItem("Small Business - All Articles", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1492");
	Lib12[1] = new LibItem("Borrowing for Your Small Business", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1494");
	Lib12[2] = new LibItem("Cash Flow Issues and Record-Keeping", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1506");
	Lib12[3] = new LibItem("Insurance for Your Small Business", "http://moneyfitness.com/affinity/topic.php?b=24549730-0&c=1507");

function addOption(selectbox,text,value ) {
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