function showhide(layer_ref) {

    if (document.getElementById) {
        
        document.getElementById('fin_retir').style.display = "none";
        document.getElementById('fin_loan').style.display = "none";
        document.getElementById('fin_qual').style.display = "none";
        document.getElementById('fin_home').style.display = "none";        
        document.getElementById(layer_ref).style.display = "block";
    }
    else if (document.all) { //IS IE 4 or 5 (or 6 beta)
        document.all('fin_retir').style.display = "none";
        document.all('fin_loan').style.display = "none";
        document.all('fin_qual').style.display = "none";
        document.all('fin_home').style.display = "none";        
        document.all(layer_ref).style.display = "block";
    }
    else if (document.layers) { //IS NETSCAPE 4 or below
        document.layers['fin_retir'].style.display = "none";
        document.layers['fin_loan'].style.display = "none";
        document.layers['fin_qual'].style.display = "none";
        document.layers['fin_home'].style.display = "none";       
        document.layers[layer_ref].style.display = "block";
    }
    else {
        alert('Sorry, Your browser does not support our Main Navigation system');
    }

}