This is a standard use of XPanel: there are 4 captions, each containing up to 5 items. We've used icons for every caption and item, with default settings for all the indenting, spacing and positioning parameters. We're also using the default colors in this example.
We've set the SelectedCaption parameter to 3, so the 3rd caption is expanded automatically when the applet starts.
XPanel is in 'Exclusive' mode here, so expanding a panel automatically collapses any other expanded panel.