From: Subject: The Expanding Role of the Chief Risk Officer: From Risk 'Cop' to Decision-Maker Date: Wed, 10 May 2006 12:34:47 -0700 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01C6742E.1FA013E0" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.2869 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01C6742E.1FA013E0 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.fenews.com/fen49/one_time_articles/garp-convention/garp-convention.html The Expanding Role of the Chief Risk Officer: From = Risk 'Cop' to Decision-Maker
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Not a Subscriber to Financial = Engineering=20 News?? CLICK = HERE to=20 request a free print or digital magazine subscription delivered = every two=20 months

The Expanding Role of Chief Risk = Officer: From=20 Risk Cop to Decision-Maker

By Alex Krutov

This year=92s Seventh Annual Convention of = the Global=20 Association of Risk Professionals (GARP) in New York featured a = CRO Panel,=20 where prominent chief risk officers (CROs) discussed both the = general=20 concepts of financial and enterprise risk management and the = changing role=20 of the risk manager in the current environment. One of the most=20 interesting and best-attended sessions at the convention, the = panel=20 brought together some of the leading practitioners in the = field.

When introduced a few years ago, the concept = of having=20 a single executive responsible for identifying and controlling the = risk of=20 a financial enterprise initially received a lukewarm reception. = Over time=20 the perception has changed, and now the title of CRO is = commonplace at=20 financial institutions and has even found its way to some = non-financial=20 enterprises.

What has changed the perception? The first = main reason=20 is the increased focus on risk management in general, driven = partly by=20 regulatory requirements and also by some of the highly visible = losses=20 attributed to poor risk management. The second is the educational = process=20 which has allowed senior management to recognize the benefits of=20 centralizing the risk management function within an = organization.

3D""=20The new developments reveal additional = benefits CROs=20 can bring to the table, thus expanding their role. Speaking at the = GARP=20 CRO Panel, Michael Hofmann, chief risk officer of Koch Industries, = said,=20 =93I view the role of risk manager as a source of competitive = advantage.=94=20 This signifies a shift from looking at risk management as a purely = defensive measure of controlling risk and determining minimum = capital=20 requirements, to an =93offense=94 stance which also considers the = potential=20 reward and determines the appropriate tradeoff between risk and = return.=20

Risk is generally associated with = negative=20 outcomes. In the context of Enterprise Risk Management (ERM), = these=20 outcomes could be disastrous. That is why the focus on the = downside and on=20 the tail of the profit and loss distribution is critical. Limiting = the use=20 of analytics to scrutinizing the distribution tail, however, leads = to=20 effectively ignoring valuable information embedded in other parts = of the=20 distribution.

The change described by Michael Hofmann means = that=20 instead of focusing exclusively on the tails of probability = distributions,=20 risk managers can start to look at the bigger picture and even = participate=20 in arriving at a decision on a specific deal =96 something risk = managers=20 have generally not done, even though their skill set is uniquely = useful in=20 making these decisions. This could become a paradigm shift, with = the CRO=20 role no longer limited to that of either =93risk police=94 or what = some have=20 referred to as =93chief paranoid officer=94 (following former = Intel Chairman=20 Andy Grove=92s book Only the Paranoid Survive).

3D""=20Echoing Michael Hofmann=92s words, Bill = Martin said he=20 can remember a time when risk management was seen as a competitive = disadvantage. Martin, risk executive at the Bank of = America and=20 chairman of the GARP board of trustees, was referring to risk = management=20 focusing entirely on control and thus getting in the way of=20 decision-making. Today he sees his objective at the Bank of = America as=20 being =93an indispensable risk partner=94 within the organization. = =93If they=20 could live without us, they should,=94 said Bill Martin.

Every member of the panel emphasized the need = for=20 progress in the ways risk managers communicate their results, to=20 facilitate the incorporation of those results in the = decision-making=20 process. The importance of doing a better job in communicating = results is=20 difficult to overestimate. Coming from very quantitative = backgrounds, many=20 risk managers tend to focus on the technical aspects of = calculating risk.=20 This technical analysis is essential, but equally vital is the = ability to=20 summarize analytical results and present them to decision-makers = in a=20 cogent manner. Thomas Daula, CRO of Morgan Stanley, even spoke = about =93the=20 risk aversion of management when they don=92t feel they truly = understand the=20 risk.=94 That is exactly what happens when a CRO is not effective = in=20 communicating key conclusions to senior management. =93At the end = of the=20 day, this is about business judgment,=94 said Daula. The role of = the CRO is=20 to facilitate that judgment.

The chief risk officer should not be the risk = managers=92=20 risk manager. Rather, the skill set required is less technical and = quantitative, and more integrative and analytical, with a very = strong=20 communications component. The CRO=92s job starts with the = development of an=20 effective risk management system, which requires promoting a = proper risk=20 management culture within the organization. Critical elements of=20 developing this culture are clear communication of risk concepts = and=20 promotion of risk management activities throughout the = organization, and=20 elucidation of the benefits of risk management processes.

While the panel focused primarily on the = banking=20 industry, chief risk officers are also more and more frequently = being=20 appointed at insurance companies. There, the position is usually = held by=20 an actuary since actuaries are the best equipped to analyze = insurance=20 risk. In fact, sometimes the CRO position is combined =96 = explicitly or=20 implicitly =96 with that of chief actuary or chief financial = officer. Some=20 insurance companies, however, have made a special effort to define = the CRO=20 role in a way that would avoid any potential conflict of interest = and have=20 the CRO report directly to the CEO and not be responsible for any = other=20 business function. This arrangement is meant to ensure that proper = risk=20 controls are always in place and that the risk manager evaluates = the risk=20 independently and can communicate the results directly to the = company CEO=20 or even the board of directors. Despite these obvious advantages, = the=20 arrangement could also have the effect of largely removing the CRO = from=20 the decision-making process.

 

That is why other insurance companies have = decided that=20 the chief actuary or chief financial officer, by the very nature = of the=20 position, is already responsible for managing company risk, = whether or not=20 he or she also has the additional title of chief risk officer. The = debate=20 is far from over, but one thing is certain: There is a growing=20 understanding of the importance of risk management at the = enterprise=20 level, and insurance companies are paying increasing attention to = the risk=20 management function. On the property-casualty insurance side, this = increased attention was stimulated by the massive losses which = resulted=20 from Katrina and other hurricanes of the 2005 season. On the life=20 insurance side, the motivation has come from better understanding = of the=20 magnitude of asset and liquidity risks, among other concerns.

3D""=20There is also the need to establish = systems for=20 providing risk management information that is both effective and = timely.=20 Common on the banking side, such systems do not always exist at = insurance=20 companies, presenting a challenge for insurance company risk = managers.

Insurance companies are active in utilizing = the concept=20 of economic capital in their planning process, a concept = intrinsically=20 tied to the risk management function. This highlights the = importance of=20 evaluating the total risk faced by the insurance company as well = as the=20 component =93silos=94 that contribute to both the risk and the = associated=20 return.

3D""=20While members of the GARP panel presented = some=20 excellent examples of the amplified role the chief risk officer = can play=20 in a financial organization, most risk managers are still far from = being=20 active participants in the decision-making process. According to = Sebastian=20 Fritz-Morgenthal, global head of operational risk management at = Deutsche=20 Bank, bank risk managers are often seen primarily as the first = line of=20 defense against regulators. Given the focus on the Basel II=20 implementation, this is understandable. Many financial = organizations are=20 still struggling with being able to quantify their risk even using = some of=20 the very basic risk metrics, and are very far from being able to=20 effectively use these results in anything but making sure they are = not=20 taking on totally unreasonable levels of risk. The silos of market = risk,=20 credit risk and operational risk usually remain isolated; few bank = risk=20 managers even attempt to implement a more integrated approach. In = most=20 insurance companies, where the integrated approach could arguably = be more=20 important, we see even less evidence that management understands = its=20 significance. We do, however, clearly see across-the-board = movement=20 towards a more comprehensive approach to risk management.

While the position of chief risk officer has=20 dramatically increased in prominence over the last few years, it = is now=20 the task of each CRO to demonstrate and communicate the full value = of the=20 risk management function, and to become an integral part of the = business=20 decision-making process within the organization. The good news is = that we=20 are moving fast in the right = direction.


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Copyright =A9 2006 Cusp = Communications=20 Group, Inc.
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that this copyright notice appears on all copies.=0A= * This software is provided "AS IS," without a warranty of any kind.=0A= */=0A= function Menu(label, mw, mh, fnt, fs, fclr, fhclr, bg, bgh, halgn, = valgn, pad, space, to, sx, sy, srel, opq, vert, idt, aw, ah) =0A= {=0A= this.version =3D "020320 [Menu; mm_menu.js]";=0A= this.type =3D "Menu";=0A= this.menuWidth =3D mw;=0A= this.menuItemHeight =3D mh;=0A= this.fontSize =3D fs;=0A= this.fontWeight =3D "plain";=0A= this.fontFamily =3D fnt;=0A= this.fontColor =3D fclr;=0A= this.fontColorHilite =3D fhclr;=0A= this.bgColor =3D "#555555";=0A= this.menuBorder =3D 1;=0A= this.menuBgOpaque=3Dopq;=0A= this.menuItemBorder =3D 1;=0A= this.menuItemIndent =3D idt;=0A= this.menuItemBgColor =3D bg;=0A= this.menuItemVAlign =3D valgn;=0A= this.menuItemHAlign =3D halgn;=0A= this.menuItemPadding =3D pad;=0A= this.menuItemSpacing =3D space;=0A= this.menuLiteBgColor =3D "#ffffff";=0A= this.menuBorderBgColor =3D "#777777";=0A= this.menuHiliteBgColor =3D bgh;=0A= this.menuContainerBgColor =3D "#cccccc";=0A= this.childMenuIcon =3D "arrows.gif";=0A= this.submenuXOffset =3D sx;=0A= this.submenuYOffset =3D sy;=0A= this.submenuRelativeToItem =3D srel;=0A= this.vertical =3D vert;=0A= this.items =3D new Array();=0A= this.actions =3D new Array();=0A= this.childMenus =3D new Array();=0A= this.hideOnMouseOut =3D true;=0A= this.hideTimeout =3D to;=0A= this.addMenuItem =3D addMenuItem;=0A= this.writeMenus =3D writeMenus;=0A= this.MM_showMenu =3D MM_showMenu;=0A= this.onMenuItemOver =3D onMenuItemOver;=0A= this.onMenuItemAction =3D onMenuItemAction;=0A= this.hideMenu =3D hideMenu;=0A= this.hideChildMenu =3D hideChildMenu;=0A= if (!window.menus) window.menus =3D new Array();=0A= this.label =3D " " + label;=0A= window.menus[this.label] =3D this;=0A= window.menus[window.menus.length] =3D this;=0A= if (!window.activeMenus) window.activeMenus =3D new Array();=0A= }=0A= =0A= function addMenuItem(label, action) {=0A= this.items[this.items.length] =3D label;=0A= this.actions[this.actions.length] =3D action;=0A= }=0A= =0A= function FIND(item) {=0A= if( window.mmIsOpera ) return(document.getElementById(item));=0A= if (document.all) return(document.all[item]);=0A= if (document.getElementById) return(document.getElementById(item));=0A= return(false);=0A= }=0A= =0A= function writeMenus(container) {=0A= if (window.triedToWriteMenus) return;=0A= var agt =3D navigator.userAgent.toLowerCase();=0A= window.mmIsOpera =3D agt.indexOf("opera") !=3D -1;=0A= if (!container && document.layers) {=0A= window.delayWriteMenus =3D this.writeMenus;=0A= var timer =3D setTimeout('delayWriteMenus()', 500);=0A= container =3D new Layer(100);=0A= clearTimeout(timer);=0A= } else if (document.all || document.hasChildNodes || window.mmIsOpera) {=0A= document.writeln('');=0A= container =3D FIND("menuContainer");=0A= }=0A= =0A= window.mmHideMenuTimer =3D null;=0A= if (!container) return; =0A= window.triedToWriteMenus =3D true; =0A= container.isContainer =3D true;=0A= container.menus =3D new Array();=0A= for (var i=3D0; i\n'+=0A= '
\n'+=0A= '
\n'+=0A= '';=0A= }=0A= var x=3Di;=0A= for (var i=3D0; i';=0A= var dClose =3D '
'=0A= if (menu.bgImageUp) dTag =3D '
';=0A= =0A= var left =3D 0, top =3D 0, right =3D 0, bottom =3D 0;=0A= left =3D 1 + menu.menuItemPadding + menu.menuItemIndent;=0A= right =3D left + menu.menuWidth - 2*menu.menuItemPadding - = menu.menuItemIndent;=0A= if( menu.menuItemVAlign =3D=3D 'top' ) top =3D menu.menuItemPadding;=0A= if( menu.menuItemVAlign =3D=3D 'bottom' ) top =3D = menu.menuItemHeight-menu.fontSize-1-menu.menuItemPadding;=0A= if( menu.menuItemVAlign =3D=3D 'middle' ) top =3D = ((menu.menuItemHeight/2)-(menu.fontSize/2)-1);=0A= bottom =3D menu.menuItemHeight - 2*menu.menuItemPadding;=0A= var textProps =3D 'position:absolute;left:' + left + 'px;top:' + top = + 'px;';=0A= if (lrs) {=0A= textProps +=3DitemProps + 'right:' + right + ';bottom:' + bottom + = ';';=0A= dTag =3D "";=0A= dClose =3D "";=0A= }=0A= =0A= if(document.all && !window.mmIsOpera) {=0A= item =3D '
' + item + = '
';=0A= } else if (lrs) {=0A= item =3D '
' + = item + '
';=0A= } else {=0A= var hitem =3D null;=0A= if( menu.menuItemHAlign !=3D 'left' ) {=0A= if(window.mmIsOpera) {=0A= var operaWidth =3D menu.menuItemHAlign =3D=3D 'center' ? = -(menu.menuWidth-2*menu.menuItemPadding) : = (menu.menuWidth-6*menu.menuItemPadding);=0A= hitem =3D '
' + item + = '
';=0A= item =3D '
' + item + = '
';=0A= } else {=0A= hitem =3D '
' + item + = '
';=0A= item =3D '
' + item + = '
';=0A= }=0A= } else hitem =3D null;=0A= }=0A= if(document.all && !window.mmIsOpera) item =3D '
' + item + '
';=0A= var dText =3D '
'+ item +' 
\n'=0A= + '
' =0A= + (hitem||item) +' 
';=0A= if (childMenu) content +=3D ( dTag + dText + '
\n' + = dClose);=0A= else content +=3D ( dTag + dText + dClose);=0A= if (lrs) {=0A= l.document.open("text/html");=0A= l.document.writeln(content);=0A= l.document.close(); =0A= content =3D '';=0A= theStat +=3D "-";=0A= tsc++;=0A= if (tsc > 50) {=0A= tsc =3D 0;=0A= theStat =3D "";=0A= }=0A= status =3D theStat;=0A= }=0A= countItems++; =0A= }=0A= if (lrs) {=0A= var focusItem =3D new Layer(100, body);=0A= focusItem.visiblity=3D"hidden";=0A= focusItem.document.open("text/html");=0A= focusItem.document.writeln(" ");=0A= focusItem.document.close(); =0A= } else {=0A= content +=3D '
 
\n';=0A= content +=3D '
\n
\n\n';=0A= }=0A= i=3Dx;=0A= }=0A= if (document.layers) { =0A= container.clip.width =3D window.innerWidth;=0A= container.clip.height =3D window.innerHeight;=0A= container.onmouseout =3D mouseoutMenu;=0A= container.menuContainerBgColor =3D this.menuContainerBgColor;=0A= for (var i=3D0; i0) {=0A= if( l.Menu.vertical ) l.top =3D body.document.layers[n-1].top + = body.document.layers[n-1].clip.height + proto.menuItemBorder + = proto.menuItemSpacing;=0A= else l.left =3D body.document.layers[n-1].left + = body.document.layers[n-1].clip.width + proto.menuItemBorder + = proto.menuItemSpacing;=0A= }=0A= l.hilite =3D l.document.layers[1];=0A= if (proto.bgImageUp) l.background.src =3D proto.bgImageUp;=0A= l.document.layers[1].isHilite =3D true;=0A= if (l.document.layers.length > 2) {=0A= l.childMenu =3D container.menus[i].items[n].menuLayer;=0A= l.document.layers[2].left =3D l.clip.width -13;=0A= l.document.layers[2].top =3D (l.clip.height / 2) -4;=0A= l.document.layers[2].clip.left +=3D 3;=0A= l.Menu.childMenus[l.Menu.childMenus.length] =3D l.childMenu;=0A= }=0A= }=0A= if( proto.menuBgOpaque ) body.document.bgColor =3D proto.bgColor;=0A= if( proto.vertical ) {=0A= body.clip.width =3D l.clip.width +proto.menuBorder;=0A= body.clip.height =3D l.top + l.clip.height +proto.menuBorder;=0A= } else {=0A= body.clip.height =3D l.clip.height +proto.menuBorder;=0A= body.clip.width =3D l.left + l.clip.width +proto.menuBorder;=0A= if( body.clip.width > window.innerWidth ) body.clip.width =3D = window.innerWidth;=0A= }=0A= var focusItem =3D body.document.layers[n];=0A= focusItem.clip.width =3D body.clip.width;=0A= focusItem.Menu =3D l.Menu;=0A= focusItem.top =3D -30;=0A= focusItem.captureEvents(Event.MOUSEDOWN);=0A= focusItem.onmousedown =3D onMenuItemDown;=0A= if( proto.menuBgOpaque ) menu.document.bgColor =3D = proto.menuBorderBgColor;=0A= var lite =3D menu.document.layers[0];=0A= if( proto.menuBgOpaque ) lite.document.bgColor =3D = proto.menuLiteBgColor;=0A= lite.clip.width =3D body.clip.width +1;=0A= lite.clip.height =3D body.clip.height +1;=0A= menu.clip.width =3D body.clip.width + (proto.menuBorder * 3) ;=0A= menu.clip.height =3D body.clip.height + (proto.menuBorder * 3);=0A= }=0A= } else {=0A= if ((!document.all) && (container.hasChildNodes) && !window.mmIsOpera) = {=0A= container.innerHTML=3Dcontent;=0A= } else {=0A= container.document.open("text/html");=0A= container.document.writeln(content);=0A= container.document.close(); =0A= }=0A= if (!FIND("menuLayer0")) return;=0A= var menuCount =3D 0;=0A= for (var x=3D0; x 0) MM_showMenu(null, = "relative", "relative", l.layers[i]);=0A= }=0A= if (l.parentLayer) {=0A= if (x !=3D "relative") l.parentLayer.left =3D x || window.pageX || 0;=0A= if (l.parentLayer.left + l.clip.width > window.innerWidth) = l.parentLayer.left -=3D (l.parentLayer.left + l.clip.width - = window.innerWidth);=0A= if (y !=3D "relative") l.parentLayer.top =3D y || window.pageY || 0;=0A= if (l.parentLayer.isContainer) {=0A= l.Menu.xOffset =3D window.pageXOffset;=0A= l.Menu.yOffset =3D window.pageYOffset;=0A= l.parentLayer.clip.width =3D window.ActiveMenu.clip.width +2;=0A= l.parentLayer.clip.height =3D window.ActiveMenu.clip.height +2;=0A= if (l.parentLayer.menuContainerBgColor && l.Menu.menuBgOpaque ) = l.parentLayer.document.bgColor =3D l.parentLayer.menuContainerBgColor;=0A= }=0A= }=0A= l.visibility =3D "inherit";=0A= if (l.Menu) l.Menu.container.visibility =3D "inherit";=0A= } else if (FIND("menuItem0")) {=0A= var l =3D menu.menuLayer || menu; =0A= hideActiveMenus();=0A= if (typeof(l) =3D=3D "string") l =3D FIND(l);=0A= window.ActiveMenu =3D l;=0A= var s =3D l.style;=0A= s.visibility =3D "inherit";=0A= if (x !=3D "relative") {=0A= s.pixelLeft =3D x || (window.pageX + document.body.scrollLeft) || 0;=0A= s.left =3D s.pixelLeft + 'px';=0A= }=0A= if (y !=3D "relative") {=0A= s.pixelTop =3D y || (window.pageY + document.body.scrollTop) || 0;=0A= s.top =3D s.pixelTop + 'px';=0A= }=0A= l.Menu.xOffset =3D document.body.scrollLeft;=0A= l.Menu.yOffset =3D document.body.scrollTop;=0A= }=0A= if (menu) window.activeMenus[window.activeMenus.length] =3D l;=0A= MM_clearTimeout();=0A= }=0A= =0A= function onMenuItemDown(e, l) {=0A= var a =3D window.ActiveMenuItem;=0A= if (document.layers && a) {=0A= a.eX =3D e.pageX;=0A= a.eY =3D e.pageY;=0A= a.clicked =3D true;=0A= }=0A= }=0A= =0A= function mouseupMenu(e) {=0A= hideMenu(true, e);=0A= hideActiveMenus();=0A= return true;=0A= }=0A= =0A= function getExplorerVersion() {=0A= var ieVers =3D parseFloat(navigator.appVersion);=0A= if( navigator.appName !=3D 'Microsoft Internet Explorer' ) return = ieVers;=0A= var tempVers =3D navigator.appVersion;=0A= var i =3D tempVers.indexOf( 'MSIE ' );=0A= if( i >=3D 0 ) {=0A= tempVers =3D tempVers.substring( i+5 );=0A= ieVers =3D parseFloat( tempVers ); =0A= }=0A= return ieVers;=0A= }=0A= =0A= function mouseoutMenu() {=0A= if ((navigator.appName =3D=3D "Microsoft Internet Explorer") && = (getExplorerVersion() < 4.5))=0A= return true;=0A= hideMenu(false, false);=0A= return true;=0A= }=0A= =0A= function hideMenu(mouseup, e) {=0A= var a =3D window.ActiveMenuItem;=0A= if (a && document.layers) {=0A= a.document.bgColor =3D a.saveColor;=0A= a.focusItem.top =3D -30;=0A= if (a.hilite) a.hilite.visibility =3D "hidden";=0A= if (mouseup && a.mmaction && a.clicked && window.ActiveMenu) {=0A= if (a.eX <=3D e.pageX+15 && a.eX >=3D e.pageX-15 && a.eY <=3D = e.pageY+10 && a.eY >=3D e.pageY-10) {=0A= setTimeout('window.ActiveMenu.Menu.onMenuItemAction();', 500);=0A= }=0A= }=0A= a.clicked =3D false;=0A= if (a.Menu.bgImageOver) a.background.src =3D a.Menu.bgImageUp;=0A= } else if (window.ActiveMenu && FIND("menuItem0")) {=0A= if (a) {=0A= a.style.backgroundColor =3D a.saveColor;=0A= if (a.hilite) a.hilite.style.visibility =3D "hidden";=0A= if (a.hiliteShim) a.hiliteShim.style.visibility =3D "inherit";=0A= if (a.Menu.bgImageUp) a.style.background =3D "url(" + = a.Menu.bgImageUp +")";=0A= }=0A= }=0A= if (!mouseup && window.ActiveMenu) {=0A= if (window.ActiveMenu.Menu) {=0A= if (window.ActiveMenu.Menu.hideOnMouseOut) MM_startTimeout();=0A= return(true);=0A= }=0A= }=0A= return(true);=0A= }=0A= =0A= function hideChildMenu(hcmLayer) {=0A= MM_clearTimeout();=0A= var l =3D hcmLayer;=0A= for (var i=3D0; i < l.Menu.childMenus.length; i++) {=0A= var theLayer =3D l.Menu.childMenus[i];=0A= if (document.layers) theLayer.visibility =3D "hidden";=0A= else {=0A= theLayer =3D FIND(theLayer);=0A= theLayer.style.visibility =3D "hidden";=0A= if( theLayer.Menu.menuItemHAlign !=3D 'left' ) {=0A= for(var j =3D 0; j < theLayer.Menu.menuItemLayers.length; j++) {=0A= var itemLayer =3D theLayer.Menu.menuItemLayers[j];=0A= if(itemLayer.textShim) itemLayer.textShim.style.visibility =3D = "inherit";=0A= }=0A= }=0A= }=0A= theLayer.Menu.hideChildMenu(theLayer);=0A= }=0A= if (l.childMenu) {=0A= var childMenu =3D l.childMenu;=0A= if (document.layers) {=0A= l.Menu.MM_showMenu(null,null,null,childMenu.layers[0]);=0A= childMenu.zIndex =3D l.parentLayer.zIndex +1;=0A= childMenu.top =3D l.Menu.menuLayer.top + l.Menu.submenuYOffset;=0A= if( l.Menu.vertical ) {=0A= if( l.Menu.submenuRelativeToItem ) childMenu.top +=3D l.top + = l.parentLayer.top;=0A= childMenu.left =3D l.parentLayer.left + l.parentLayer.clip.width - = (2*l.Menu.menuBorder) + l.Menu.menuLayer.left + l.Menu.submenuXOffset;=0A= } else {=0A= childMenu.top +=3D l.top + l.parentLayer.top; =0A= if( l.Menu.submenuRelativeToItem ) childMenu.left =3D = l.Menu.menuLayer.left + l.left + l.clip.width + (2*l.Menu.menuBorder) + = l.Menu.submenuXOffset;=0A= else childMenu.left =3D l.parentLayer.left + = l.parentLayer.clip.width - (2*l.Menu.menuBorder) + l.Menu.menuLayer.left = + l.Menu.submenuXOffset;=0A= }=0A= if( childMenu.left < l.Menu.container.clip.left ) = l.Menu.container.clip.left =3D childMenu.left;=0A= var w =3D = childMenu.clip.width+childMenu.left-l.Menu.container.clip.left;=0A= if (w > l.Menu.container.clip.width) l.Menu.container.clip.width =3D = w;=0A= var h =3D = childMenu.clip.height+childMenu.top-l.Menu.container.clip.top;=0A= if (h > l.Menu.container.clip.height) l.Menu.container.clip.height = =3D h;=0A= l.document.layers[1].zIndex =3D 0;=0A= childMenu.visibility =3D "inherit";=0A= } else if (FIND("menuItem0")) {=0A= childMenu =3D FIND(l.childMenu);=0A= var menuLayer =3D FIND(l.Menu.menuLayer);=0A= var s =3D childMenu.style;=0A= s.zIndex =3D menuLayer.style.zIndex+1;=0A= if (document.all || window.mmIsOpera) {=0A= s.pixelTop =3D menuLayer.style.pixelTop + l.Menu.submenuYOffset;=0A= if( l.Menu.vertical ) {=0A= if( l.Menu.submenuRelativeToItem ) s.pixelTop +=3D l.style.pixelTop;=0A= s.pixelLeft =3D l.style.pixelWidth + menuLayer.style.pixelLeft + = l.Menu.submenuXOffset;=0A= s.left =3D s.pixelLeft + 'px';=0A= } else {=0A= s.pixelTop +=3D l.style.pixelTop;=0A= if( l.Menu.submenuRelativeToItem ) s.pixelLeft =3D = menuLayer.style.pixelLeft + l.style.pixelLeft + l.style.pixelWidth + = (2*l.Menu.menuBorder) + l.Menu.submenuXOffset;=0A= else s.pixelLeft =3D = (menuLayer.style.pixelWidth-4*l.Menu.menuBorder) + = menuLayer.style.pixelLeft + l.Menu.submenuXOffset;=0A= s.left =3D s.pixelLeft + 'px';=0A= }=0A= } else {=0A= var top =3D parseInt(menuLayer.style.top) + l.Menu.submenuYOffset;=0A= var left =3D 0;=0A= if( l.Menu.vertical ) {=0A= if( l.Menu.submenuRelativeToItem ) top +=3D parseInt(l.style.top);=0A= left =3D (parseInt(menuLayer.style.width)-4*l.Menu.menuBorder) + = parseInt(menuLayer.style.left) + l.Menu.submenuXOffset;=0A= } else {=0A= top +=3D parseInt(l.style.top);=0A= if( l.Menu.submenuRelativeToItem ) left =3D = parseInt(menuLayer.style.left) + parseInt(l.style.left) + = parseInt(l.style.width) + (2*l.Menu.menuBorder) + l.Menu.submenuXOffset;=0A= else left =3D (parseInt(menuLayer.style.width)-4*l.Menu.menuBorder) = + parseInt(menuLayer.style.left) + l.Menu.submenuXOffset;=0A= }=0A= s.top =3D top + 'px';=0A= s.left =3D left + 'px';=0A= }=0A= childMenu.style.visibility =3D "inherit";=0A= } else return;=0A= window.activeMenus[window.activeMenus.length] =3D childMenu;=0A= }=0A= }=0A= =0A= function hideActiveMenus() {=0A= if (!window.activeMenus) return;=0A= for (var i=3D0; 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