body {margin: 0px; padding: 0px; font-family: verdana, serif; background: #DDD9D5;}

h1 {border-bottom: 1px solid #92b1dd; font-family: arial, sans-serif; font-weight: normal; font-size: 21px; color: #236fdc; padding-right: 10px; padding-bottom: 4px; padding-top: 9px;}
h2 {border-bottom: 1px solid #92b1dd; font-family: arial, sans-serif; font-weight: normal; font-size: 21px; color: #236fdc; padding-right: 10px; padding-bottom: 4px; padding-top: 9px;}
h3 {font-size: 11px; color: #002D62; line-height: 18px;}
h4 {font-family: verdana, sans-serif; font-weight: bold; font-size: 11px; color: #002d62; margin-bottom: 0px;}
p, li {font-size: 11px; color: #002D62; line-height: 18px; margin-top: 0px; margin-bottom: 19px;}
img {border: 0px;}
ul {list-style: outside url('images/bullet.gif');}
li {margin-bottom: 5px;}

sup {line-height: 0; font-size: 75%;}

a:link, a:visited {color: #236FDC; text-decoration: none;}
a:hover {color: #002D62; text-decoration: underline;}

p a:link, p a:visited, p a:hover {font-weight: bold;}
li a:link, li a:visited, li a:hover {font-weight: bold;}

#grand {position: relative; margin: auto; width: 990px;}
#main {margin: auto;}

#toprow_front {background: #FFFFFF;}
#toprow {background: #002D62;}
#logo {float: left; padding-left: 21px;}

#u_contact {float: right; padding-top: 12px; padding-right: 48px;}

#buttons a:link, #buttons a:visited {display: block; text-align: center; background: url('images/b_bkg.gif') repeat-x;}
#button_ll, #button_l, #button_m, #button_r {border-right: 1px solid #d3cec9;}

#left_column {border-right: 1px solid #d3cec9;}

#nav_area {margin-top: 14px; padding-bottom: 46px;}
#nav_area a:link, #nav_area a:visited {color: #002876; text-decoration: none;}
#nav_area a:hover {color: #236FDC;}
#nav_area a.current {color: #236FDC;}
.nav1, .nav2, .nav3 {font-size: 11px; line-height: 13px; margin-top: 5px; margin-bottom: 5px; margin-right: 5px;}
.nav1 {padding-left: 12px; margin-left: 15px; background: url('images/nav_bullet.gif') no-repeat 0px 2px;}
.nav2 {margin-left: 45px; margin-top: 7px; margin-bottom: 4px;}
.nav3 {margin-left: 65px; margin-top: 7px; margin-bottom: 4px;}
.navline {margin: -1px 0px 0px 27px; font-size: 1px; height: 1px; border-bottom: 1px solid #d3cec9;}

#lcol_spacer {width: 248px; font-size: 1px; height: 2px;}

#content_area_row td {background: #ffffff;}
#body_content {border-right: 1px solid #92b1dd; margin: 28px 0px 46px 41px; padding-bottom: 15px;}
#body_content_wide {margin: 28px 0px 46px 41px; padding-bottom: 15px;}
#body_content p, #body_content li {padding-right: 41px;}
#body_content_wide p, #body_content_wide li {padding-right: 41px;}
#mcol_spacer {width: 544px; font-size: 1px; height: 2px;}
#mcol_spacer_wide {width: 742px; font-size: 1px; height: 2px;}
.body_disclaimer {font-size: 9px; font-style: italic;}

#body_content_cell_front {padding-top: 12px; padding-bottom: 12px; padding-left: 35px; padding-right: 15px;}

#main_table_content		{width: 100%}
#content_cell_left		{width: 361px;}
#content_cell_left  p 	{color: #002D62; margin: 0px; padding-bottom: 4px; padding-right: 18px;}
#content_cell_right		{border-left: 1px solid #DCE8F9;}

#right_column_content {text-align: center;}
#right_column_content .content_area {padding-top: 35px;}
#right_column_content .content_area .banner {padding-top: 31px;}

#rcol_spacer {width: 197px;}

#footer_cell {background: #f5f3f2; border-top: 1px solid #d3cec9; text-align: center; padding: 4px 5px 4px 5px }
#footer_cell div {font-size: 10px; color: #666666;}
#copyright {text-align: center;}
#copyright a:link, #copyright a:visited {color: #9e948d;}
#copyright a:hover {color: #002D62;}

#bd_disc {padding-top: 0px; margin-top: 0px; margin-bottom: 60px; font-size: 9px; color: #6D6158;}
#bd_disc a:link, #bd_disc a:visited {color: #002D62;}

.disclaimer {font-size: 9px; line-height: 12px;}