I am happy to report that my horizontal menu works! The main menu items are categories, and the drop-down menu items are products (actually sub-categories with one product each).
A big thanks to Phil for his mod and to Carpeperdiem for passing along Moneysaver67's suggestion (please see notes above).
You can see how the menu works at
www.aztecmarineinnovations.com/draft/home.php . Only the first two items have drop-downs right now. Please keep in mind that this store is still in draft...and that this is my first X-Cart store.....
Pat M