body {
     background: #F0F0F0;
     margin:0px 0px 0px 0px;
     background-position:top left;
     }
.copy {
     color: #000000;
     font-size: 13px;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     background-color: transparent;
     text-decoration: none;
     }
.copy a:link {
     color: #800000;
     font-size: 13px;
     background-color: transparent;
     text-decoration: none;
     }
.copy a:visited {
     color: #800000;
     font-size: 13px;
     background-color: transparent;
     text-decoration: none;
     }
.copy a:hover {
     color: #4D79A6;
     font-size: 13px;
     background-color: transparent;
     text-decoration: none;
     }
.copy a:active {
     color: #255E8D;
     font-size: 13px;
     background-color: transparent;
     text-decoration: none;
     }
.copyb {
     color: #000000;
     font-size: 13px;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     font-weight: bold;
     background-color: transparent;
     text-decoration: none;
     }
.copyb a:link {
     color: #8D255E;
     font-size: 13px;
     font-weight: bold;
     background-color: transparent;
     text-decoration: none;
     }
.copyb a:visited {
     color: #8D255E;
     font-size: 13px;
     font-weight: bold;
     background-color: transparent;
     text-decoration: none;
     }
.copyb a:hover {
     color: #4D79A6;
     font-size: 13px;
     font-weight: bold;
     background-color: transparent;
     text-decoration: none;
     }
.copyb a:active {
     color: #255E8D;
     font-size: 13px;
     font-weight: bold;
     background-color: transparent;
     text-decoration: none;
     }
.smcopy {
     color: #000000;
     font-size: 11px;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     background-color: transparent;
     text-decoration: none;
     }
.smcopy a:link {
     color: #800000;
     font-size: 11px;
     background-color: transparent;
     text-decoration: none;
     }
.smcopy a:visited {
     color: #800000;
     font-size: 11px;
     background-color: transparent;
     text-decoration: none;
     }
.smcopy a:hover {
     color: #4D79A6;
     font-size: 11px;
     background-color: transparent;
     text-decoration: none;
     }
.smcopy a:active {
     color: #255E8D;
     font-size: 11px;
     background-color: transparent;
     text-decoration: none;
     }
.smcopyb {
     color: #000000;
     font-size: 11px;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     font-weight: bold;
     background-color: transparent;
     text-decoration: none;
     }
.smcopyb a:link {
     color: #8D255E;
     font-size: 11px;
     font-weight: bold;
     background-color: transparent;
     text-decoration: none;
     }
.smcopyb a:visited {
     color: #8D255E;
     font-size: 11px;
     font-weight: bold;
     background-color: transparent;
     text-decoration: none;
     }
.smcopyb a:hover {
     color: #4D79A6;
     font-size: 11px;
     font-weight: bold;
     background-color: transparent;
     text-decoration: none;
     }
.smcopyb a:active {
     color: #255E8D;
     font-size: 11px;
     font-weight: bold;
     background-color: transparent;
     text-decoration: none;
     }
.nav {
     color: #404040;
     font-size: 11px;
     font-weight: bold;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     background-color: transparent;
     text-decoration: none;
     }
.nav a:link {
     color: #8D255E;
     font-size: 11px;
     font-weight: bold;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     text-decoration: none;
     }
.nav a:visited {
     color: #8D255E;
     font-size: 11px;
     font-weight: bold;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     text-decoration: none;
     }
.nav a:hover {
     color: #327FBD;
     font-size: 11px;
     font-weight: bold;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     text-decoration: none;
     }
.nav a:active {
     color: #255E8D;
     font-size: 11px;
     font-weight: bold;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     text-decoration: none;
}
.subnav {
     color: #EEEEEE;
     font-size: 11px;
     font-weight: bold;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     background-color: transparent;
     text-decoration: none;
     }
.subnav a:link {
     color: #F3F3F3;
     font-size: 11px;
     font-weight: bold;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     text-decoration: none;
     }
.subnav a:visited {
     color: #F3F3F3;
     font-size: 11px;
     font-weight: bold;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     text-decoration: none;
     }
.subnav a:hover {
     color: #AAC2D6;
     font-size: 11px;
     font-weight: bold;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     text-decoration: none;
     }
.subnav a:active {
     color: #EEEFC3;
     font-size: 11px;
     font-weight: bold;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     text-decoration: none;
}
.toolnav {
     color: #EEEEEE;
     font-size: 10px;
     font-family: Arial, Helvetica, sans-serif;
     background-color: transparent;
     text-decoration: none;
     }
.toolnav a:link {
     color: #C3D9EF;
     font-size: 10px;
     font-family: Arial, Helvetica, sans-serif;
     text-decoration: none;
     }
.toolnav a:visited {
     color: #C3D9EF;
     font-size: 10px;
     font-family: Arial, Helvetica, sans-serif;
     text-decoration: none;
     }
.toolnav a:hover {
     color: #EEEFC3;
     font-size: 10px;
     font-family: Arial, Helvetica, sans-serif;
     text-decoration: underline;
     }
.toolnav a:active {
     color: #FFFFFF;
     font-size: 10px;
     font-family: Arial, Helvetica, sans-serif;
     text-decoration: none;
     }
.section {
     color: #255D8C;
     font-size: 17px;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     letter-spacing: .06em; 
     line-height: 31px;
     background-color: transparent;
     text-decoration: none;
     border-bottom: #D4D4D4 1px solid;
     }
.section a:link {
     color: #327FBD;
     background-color: transparent;
     text-decoration: none;
     }
.section a:visited {
     color: #327FBD;
     background-color: transparent;
     text-decoration: none;
     }
.section a:hover {
     color: #8D255E;
     background-color: transparent;
     text-decoration: none;
     }
.section a:active {
     color: #255E8D;
     background-color: transparent;
     text-decoration: none;
     }
.title { 
     font-family: Verdana, Arial, Helvetica, sans-serif; 
     font-size: 19px;
     letter-spacing: .06em; 
     color: #BD7132;
     line-height: 39px;
     padding-left: 6px;
     border-bottom: #D4D4D4 1px solid;
}
.subtitle { 
     font-family: Verdana, Arial, Helvetica, sans-serif; 
     font-size: 17px;
     letter-spacing: .06em; 
     color: #255E8D;
     line-height: 31px;
     padding-left: 6px;
     border-bottom: #D4D4D4 1px solid;
}
.topic { 
     font-family: Verdana, Arial, Helvetica, sans-serif; 
     font-size: 17px;
     letter-spacing: .06em; 
     color: #404040;
     line-height: 31px;
     padding-left: 6px;
     border-bottom: #D4D4D4 1px solid;
}
.masthead {
background: #255D8C url(../images/mastbg.gif); background-repeat: repeat-x;
border-bottom: #000000 1px solid;
}
#navtabs a {
     display: block;
     width: 100%; 
     height: 20px;
     float: left;
     display: inline;
     padding-top: 6px;
     background: #F0F0F0 url(../images/navbg.gif); background-repeat: repeat-x;
     text-align: center;
     border-bottom: #C0C3C9 1px solid;
}
#navtabs a:hover, #navtabs a.current{
     background: #F0F0F0 url(../images/hnavbg.gif); background-repeat: repeat-x;
}
.subtab {
}
.subtab a {
background: #1F4D75;
width: 100%;
line-height: 26px;
float: left;
display: inline;
text-align: center;
border-bottom: #000000 1px solid;
}
.subtab a:hover, .subtab a.current{
background: #095B92;
}
.subcap {
     background: #255D8C url(../images/bluepat.gif); background-repeat: repeat;
     font-family: Verdana, Arial, Helvetica, sans-serif; 
     font-size: 11px;
     font-weight: bold;
     color: #EDBD4B;
     line-height: 26px;
     letter-spacing: .08em;
     border-top: #000000 1px solid;
     border-bottom: #000000 1px solid;
}
.qnav {
     background: #255D8C url(../images/bluepat.gif); background-repeat: repeat;
     line-height: 31px;
     border-bottom: #000000 1px solid;
}
.footxt {
     color: #EEEEEE;
     font-size: 11px;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     letter-spacing: .06em;
     background-color: transparent;
     text-decoration: none;
     }
.footxt a:link {
     color: #C3D9EF;
     font-size: 11px;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     background-color: transparent;
     text-decoration: none;
     }
.footxt a:visited {
     color: #C3D9EF;
     font-size: 11px;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     background-color: transparent;
     text-decoration: none;
     }
.footxt a:hover {
     color: #EEEFC3;
     font-size: 11px;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     background-color: transparent;
     text-decoration: none;
     }
.footxt a:active {
     color: #FFFFFF;
     font-size: 11px;
     font-family: Verdana, Arial, Helvetica, sans-serif;
     background-color: transparent;
     text-decoration: none;
     }
.topicbar {
     font-family: Verdana, Arial, Helvetica, sans-serif; 
     font-size: 11px;
     font-weight: bold;
     color: #666666;
     line-height: 24px;
     border-top: #E0DFD2 1px solid;
     border-bottom: #E0DFD2 1px solid;	
}
.margin {
width: 214px;
background: #275E96 url(../images/margpat.jpg); background-repeat: repeat;
border-left: #A7A7A7 1px solid;
}
.footer {
background: #255D8C url(../images/bluepat.gif); background-repeat: repeat;
border-top: #000000 1px solid;
border-bottom: #A7A7A7 1px solid;
}
.box
{
background: #FFFFFF;
padding: 6px;
border: #A7A7A7 1px dashed;
}
.subhead { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 15px; font-weight: bold; letter-spacing: .06em; color: #345678; line-height: 31px; border-bottom: #D4D4D4 1px dashed;}
.tophead { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; color: #345678; border-bottom: #D4D4D4 1px dashed;}
.bookhead { border-bottom: #D4D4D4 1px dashed;}
.clienthead { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; color: #4689C2; line-height: 20px; border-bottom: #D4D4D4 1px dashed;}
.thedate { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 11px; font-weight: bold; color: #404040;}
.redbold { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; color: #990000;}
.bluebold { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; color: #345678;}
.summary { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; color: #7A6587;}
.booktitle { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 18px; letter-spacing: .06em; color: #255E8D;}
.smcredit { font-family: Verdana, Arial, Helvetica; font-size: 10px; color: #939393}
.bodybg { background: #FFFFFF url(../images/bodybg.gif); background-repeat: repeat-x;}
.leftshad { background: #F0F0F0 url(../images/leftshad.jpg); background-repeat: repeat-y;}
.rightshad { background: #F0F0F0 url(../images/rightshad.jpg); background-repeat: repeat-y;}
.toolbg { background: transparent url(../images/starbg.gif); background-repeat: repeat;}