java application build install for Windows, Linux and Mac

What is a good way to build installation files for a Java application for the Windows, Linux and Mac platforms?  These will be downloaded from my web site.

I have seen ads for products to do this but at considerable cost.  Are there any open source (or ~$100) solutions that are not too complex?  Would Java WebStart be viable - complexity, certification process?

This is for a small user group who are not too technical so I am thinking of including the appropriate jre with the install.

Thanks
va3jslAsked:
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CEHJCommented:
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va3jslAuthor Commented:
OK, I figure out the jnlp files and off we go.

Question:  Is internet connectivity needed every time the program is launched?
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va3jslAuthor Commented:
and, do I need to register or anything for the security?
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CEHJCommented:
Question:  Is internet connectivity needed every time the program is launched?
No - not unless your app requires it
and, do I need to register or anything for the security?
Unfortunately, because of recent problems with security, you'll almost certainly need to sign the jars
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CEHJCommented:
Question:  Is internet connectivity needed every time the program is launched?

You will of course need net connectivity if you want to take advantage of the transparent update functionality of Web Start
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