http://jqueryui.com/demos/tabs/#collapsible

This example is just what I am looking for to use on my new home page... ALMOST

I want 3 tabs (image based) that either switch or collapse just like the demo.

The one change I want to implement is when initially going to this page, the 3 tab content areas are all collapsed and a 4th content area (default) is visible (there is no tab associated with this content area).

When the tabs are clicked then their appropriate content is shown but when same tab is clicked, tab content is collapsed and the original default content (4th area) is shown.

How do I implement this (change js script)?

Thank you for help.