html, body, p, h1, h2, h3, h4, h5, h6, form, fieldset {
margin: 0;
padding: 0;
border: 0;
}

body {
margin: 0;
background-color: #4C6DA0;
}

table td p {
font-family:Georgia, Times New Roman, Times, serif; 
font-size: 14px; 
color: #323232; 
line-height:1.3;
}

#wrapper {
width:1000px;
margin:auto;
font-family:Georgia, Times New Roman, Times, serif; 
font-size: 14px; 
color: #323232; 
line-height:1.3;
text-align:left;
}

li {
padding-bottom:8px;
}

ul {
padding-left:10px;
margin-left:10px;
margin-bottom:12px;
}

ol {
margin-bottom:12px;
}

#top {
height:17px;
background-image:url(images/bg-top.jpg);
background-repeat:no-repeat;
}

#outer {
background-image:url(images/bg-outer.jpg);
background-repeat:repeat-y;
padding:0 17px;
}

#bottom {
height:17px;
background-image:url(images/bg-bottom.jpg);
background-repeat:no-repeat;
}

#content {
background-color:#FFFFFF;
border:solid 1px #CCE3DC;
padding-bottom:30px;
}

/* HEADER */

#header {
height:114px;
padding-right:10px;
}

#header-home {
height:114px;
padding-right:10px;
background-image:url(images/bg-header-home.jpg);
background-repeat:no-repeat;
}

#global {
height:15px;
background-repeat:no-repeat;
background-position:right;
color:#FFFFFF;
margin-right:23px;
padding-top:10px;
text-align:right;
font-family:Verdana, Arial, Helvetica, sans-serif;
font-size:11px;
padding-right:18px;
}

#global a, #global a:link, #global a:active, #global a:visited {
text-decoration:none; 
color:#FFFFFF; 
font-weight:bold;
}

#global a:hover{
color:#FFFFFF;
text-decoration:underline; 
}

/* TOP NAV */

#topnav {
line-height:normal;
float:right;
font-family:Verdana, Arial, Helvetica, sans-serif;
color:#376F58;
font-size:12px;
margin-right:10px;
}

#topnav ul {
list-style:none; 
margin:0px; 
padding:0px;
}

#topnav li {
float:left;
padding:0;
background:url(images/bg-topnav.gif) no-repeat;
}

#topnav li a, #topnav li a:link, #topnav li a:active, #topnav li a:visited {
text-decoration:none; 
color:#376F58; 
display:block;
padding:53px 10px 8px 10px;
}

#topnav li a:hover, #topnav li:hover a {
color:#FFFFFF;
background-image:url(images/bg-topnav-on.gif);
}

#topnav li a.on {
color:#CA0606;
}

#topnav li a:hover.on, #topnav li:hover a.on {
color:#FFFFFF;
}


#topnav ul li ul {
	left:-999em;
	height: auto;
	width: 172px;
	position: absolute;
	z-index: 200;
	background: #6090C1; 
	padding-bottom: 0px;
	background-image: url(images/bg_dropdown.gif);
	background-repeat:repeat-x;
	}
#topnav ul li.hover ul,
#topnav ul li:hover ul {
	left:auto;
	}

#topnav ul li ul li {
	float: none;
	width: 172px;
	margin: 0;
	padding: 0; 
	font-family: Verdana, Arial, Helvetica, sans-serif;
	font-size: 11px;
	border-bottom:#999999 dotted 1px;
	background-image:none;	
	}

#topnav ul li ul li a, #topnav ul li ul li a:link, #topnav ul li ul li a:active, #topnav ul li ul li a:visited {
	position: relative;
	left: 10px;
	text-indent: 0;	
	padding: 6px 0; 
	color: #FFFFFF; 
	}
#topnav ul li ul li a.hover, 
#topnav ul li ul li:hover a
 {
	color: #B5E1FF;
background-image:none;
	}


#topnav ul li:hover ul li a
 {
background-image:none;
	}	
	

/* CONTENT */

#content-inner {
padding:32px 26px 0 26px;
}

#content-inner2 {
padding:1px 26px 0 26px;
}

#below-banner-home {
height:15px;
background-image:url(images/bg-below-banner-home.jpg);
background-repeat:no-repeat;
}

.home-column {
width:248px;
margin-right:82px;
float:left;
display:inline;
}

.home-column img {
display:block;
}

.quoter {
font-size:11px;
text-align:right;
color:#6B6B6B;
margin-top:8px;
}

.homebutton {
margin-top:16px;
}

ul.homelist1 {
list-style-type: none;
padding: 0;
margin: 0;
}

ul.homelist1 li {
background-image: url(images/bg_list1.gif);
background-repeat: no-repeat;
background-position: 0 .4em;
padding-left:14px;
padding-bottom:7px;
}

ul.homelist2 {
list-style-type: none;
padding: 0;
margin: 0;
padding-top:8px;
}

ul.homelist2 li {
background-image: url(images/bg_list1.gif);
background-repeat: no-repeat;
background-position: 0 .4em;
padding-left:14px;
padding-bottom:1px;
}

#column2 {
margin-left:130px;
background-image:url(images/bg-column2.gif);
background-repeat:repeat-y;
background-position:left;
padding-left:30px;
}

#column2 ul {
list-style-type: none;
padding: 0;
margin: 10px 0 12px 4px;
}

#column2 ul li {
background-image: url(images/bg_list1.gif);
background-repeat: no-repeat;
background-position: 0 .4em;
padding-left:16px;
padding-bottom:8px;
}

#column2 a:link, #column2 a:active, #column2 a:visited {
color: #CA0606; text-decoration: none; border-bottom:dotted 1px #CA0606;
}

#column2 a:hover {
color: #CA0606; text-decoration: none; border:none;
}

#column1 {
width:689px;
}

#column1 ul {
list-style-type: none;
padding: 0;
margin: 10px 0 12px 4px;
}

#column1 ul li {
background-image: url(images/bg_list1.gif);
background-repeat: no-repeat;
background-position: 0 .4em;
padding-left:16px;
padding-bottom:8px;
}

#column1 a:link, #column1 a:active, #column1 a:visited {
color: #CA0606; text-decoration: none; border-bottom:dotted 1px #CA0606;
}

#column1 a:hover {
color: #CA0606; text-decoration: none; border:none;
}

.affil {
margin-top:18px;
height:83px;
}

.quote-left {
width:447px;
margin-left:0;
margin-bottom:20px;
}

.quote-right {
width:447px;
margin-left:230px;
margin-bottom:20px;
}

.quote-content {
padding:0 15px;
border-left:solid 1px #CCCCCC;
border-right:solid 1px #CCCCCC;
background-color:#D9EEE3;
}

.quote-top {
height:18px;
background-image:url(images/bg-quotetop.gif);
background-repeat:no-repeat;
}

.quote-bottom {
height:43px;
background-image:url(images/bg-quotebottom.gif);
background-repeat:no-repeat;
}

.quoter2 {
padding-left:87px;
background-image:url(images/bg-quoter.gif);
font-size:11px;
background-repeat:no-repeat;
height:30px;
padding-top:10px;
}

.sidebar-contact {
float:right;
width:180px;
height:101px;
text-align:center;
font-size:11px;
color:#595858;
padding-top:119px;
background-image:url(images/bg-contact-sidebar.jpg);
background-repeat:no-repeat;
margin-left:25px;
line-height:1.4;
}

.question {
background-image:url(images/icon-question.gif);
background-repeat:no-repeat; 
height:27px;
padding-left:48px;
padding-top:6px;
margin-bottom:4px;
font-weight:bold;
margin-top:5px;
}

.smaller {font-size: 8pt;}

.leftcontent {
width:550px;
padding-right:15px;
margin-right:15px;
border-right:dotted 1px #336699;
}

.rightcolumn {
float:right;
width:185px;
font-size:11px;
color:#555555;
}

.thumbs {
padding:2px;
border:solid 1px #DDDDDD;
margin-right:8px;
margin-bottom:8px;
}

.finance {
margin-top:30px;
}

.finance-right {
margin-top:30px;
display:block;
margin-left:44px;
}

/* LEFT NAV */

#leftnav {
float:left;
width:100px;
font-size:12px;
padding-top:4px;
}

.leftnavtitle {
border-bottom:dotted 1px #AAAAAA;
font-size:15px;
margin-bottom:8px;
color:#333333;
padding:4px 0;
font-weight:bold;
}

#leftnav a:link, #leftnav a:visited, #leftnav a:active {
text-decoration:none;
color:#444444;
}

#leftnav a.lefton {
text-decoration:none;
color:#B31C21;
}

#leftnav a:hover {
text-decoration:none;
color:#B31C21;
}

#leftnav ul {
list-style-type: none;
padding: 0;
margin: 0 0 0 0;
}

#leftnav ul li {
background-image: none;
background-repeat: no-repeat;
background-position: 0 .4em;
padding-left:0;
}


/* FOOTER */

#footer {
font-size: 15px; 
color: #FFFFFF; 
margin-top:10px;
margin-bottom:22px;
}

#footer-left {
padding-left:14px;
}

#footer-right {
float:right;
padding-right:14px;
text-align:right;
}

#footer a:link, #footer a:visited, #footer a:active {
text-decoration:none;
color:#FFFFFF;
}

#footer a:hover {
text-decoration:underline;
color:#FFFFFF;
}

/* COMMON */

h1 {
color:#FFFFFF;
margin-bottom:19px;
font-size:20px;
font-weight:normal;
height:28px;
background-image:url(images/bg-title.jpg);
background-color:#EAEBF2;
padding-top:2px;
background-repeat:no-repeat;
padding-left:15px;
}

h2 {
color:#333333;
font-weight:bold;
font-size:16px;
padding-bottom:16px;
margin:0;
}

h3 {
color:#128E5A;
font-weight:bold;
font-size:14px;
padding-bottom:6px;
margin:0;
}

.floatleft {
float:left;
margin-right:20px;
margin-bottom:20px;
padding:2px;
border:solid 1px #DDDDDD;
}

.floatright {
float:right;
margin-left:25px;
margin-bottom:20px;
text-align:right;
padding:2px;
border:solid 1px #DDDDDD;
}

.clearfloat { /* this class should be placed on a div or break element and should be the final element before the close of a container that should fully contain a float */
clear:both;
height:0;
font-size: 1px;
line-height: 0px;
}

/* LINKS */
a:link, a:active {color: #CA0606; text-decoration:none}
a:visited {color: #CA0606; text-decoration:none} 
a:hover {color: #CA0606; text-decoration:underline}


/* FORM */

form { margin:0; padding:0; }

input.box {	
background:#F5F5F5 url(images/bg_input.gif) left top no-repeat;
border:1px solid #bfbfbf;	
padding:2px;
padding-left:6px;
width:300px;
margin-bottom:18px;
font-family: Verdana,arial, helvetica; 
font-size:9pt;
margin-top:6px;
}

input.box:hover {
border:solid 1px #888888;
}

textarea.box {	
background:#F5F5F5 url(images/bg_input.gif) left top no-repeat;
border:1px solid #bfbfbf;	
padding:2px;
padding-left:6px;
width:300px;
margin-bottom:18px;
font-family: Verdana,arial, helvetica; 
font-size:9pt;
margin-top:6px;
}

textarea.box:hover {
border:solid 1px #888888;
}

select {
background:#F5F5F5 url(../images/bg_input.gif) left top no-repeat;
border:1px solid #bfbfbf;	
padding:2px;
padding-left:6px;
font-family: Verdana,arial, helvetica; 
font-size:8pt;
margin-bottom:18px;
margin-top:6px;
}