document.writeln('<option selected>Select One</option>'); 
document.writeln('<option>-------------------------</option>');
document.writeln('<option value="http://www.ambest.com/insurance">Center Overview</option>');
document.writeln('<option>-------------------------</option>');
document.writeln('<option value="http://www.ambest.com/ratings/">Ratings</option>');
document.writeln('<option value="http://www3.ambest.com/banks/">Banking</option>');
document.writeln('<option value="http://www3.ambest.com/consumers/">Consumer Information</option>');
document.writeln('<option value="http://www3.ambest.com/buglcem/">Underwriting & Loss</option>');
document.writeln('<option>-------------------------</option>');
document.writeln('<option value="http://www3.ambest.com/pc">Property/Casualty</option>');
document.writeln('<option value="http://www3.ambest.com/lh/default.asp">Life/Health</option>');
document.writeln('<option value="http://www3.ambest.com/ratings/healthcare/">Health</option>');
document.writeln('<option value="http://www3.ambest.com/captive">Captive</option>');
document.writeln('<option value="http://www3.ambest.com/reinsurance/">Reinsurance</option>');
document.writeln('<option>-------------------------</option>');
document.writeln('<option value="http://www.ambest.com.hk/">Asia Pacific</option>');
document.writeln('<option value="http://www.ambest.ca/">Canada</option>');
document.writeln('<option value="http://europe.ambest.com/">Europe</option>');