Wordpress - navigation sub-menu question

Wordpress - navigation sub-menu question

I'm fairly new to Wordpress but not to PHP. I'm having issues loading my navigation with sub-menus. I do not want to use a plug-in or the dashboard.

Here is the menu structure:

Home
About
Products
      Rings
            Gold
            Silver
      Pendants
      For Men      
Services
      Technical
      Administrative      
Contact Us

Screen shots:

Home, About, & Contact Us pages - these look fine:


Products page - messed up:


Services page - messed up:



Below is the code from Codex that I used.

<?php
$allPages = wp_list_pages();
    if ($allPages) {
        foreach($allPages as $onePage) {
            if(!$post->post_parent){
                // will display the subpages of this top level page
                $children = wp_list_pages("title_li=&child_of=".$post->ID."&echo=0");
            } else {
                // diplays only the subpages of parent level
                $children = wp_list_pages("title_li=&child_of=".$post->post_parent."&echo=0");
            }

            if($post->ancestors) {
		// now you can get the the top ID of this page
		// wp is putting the ids DESC, thats why the top level ID is the last one
		$ancestors = end($post->ancestors);
		$children = wp_list_pages("title_li=&child_of=".$ancestors."&echo=0");
		// you will always get the whole subpages list
            }

            if ($children) {
                echo '<ul><li>';
        	echo $children;
        	echo '</li></ul>';
            }
        }
    }
?>

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I did some testing in the conditional section of code & no matter what I did, the results never changed. So on a whim, I deleted everything except for this line of code:

$allPages = wp_list_pages();

And the results remained the same.

I've looked at tons of other code, on forums & in articles. None of the code presented includes anything like the line above & when I implement any of these solutions into my project, nothing shows in the navigation section. I don't get an error, but there is no navigation menu.

For example, in this codex code from wp_list_pages:

<?php
  if($post->post_parent)
  $children = wp_list_pages("title_li=&child_of=".$post->post_parent."&echo=0");
  else
  $children = wp_list_pages("title_li=&child_of=".$post->ID."&echo=0");
  if ($children) { ?>
  <ul>
  <?php echo $children; ?>
  </ul>
  <?php } ?>

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I get nothing. No errors, but no menu, either.

What am I missing here?

Thank you in advance for any suggestions or help.