body{
background-color:#d5e1f4;
background-image:url(images/bkg.png);
background-repeat:repeat-x;
margin:0px;
margin-bottom:0px;
margin-top:0px;
margin-left:0px;
margin-bottom:0px;
}

table {
    border-collapse: collapse;
}
th, td {
    padding: 0;
}


#header {
	width:940px;
	margin:0px auto;
	text-align:left; 
	padding:0px 0px 0px 0px;
	text-align:center;
	z-index:2;
	border:0;
	}
	
#nav {
	position:relative;
	top:-56px;
	left:15px;
	width:940px;
	margin:0px auto;
	text-align:left; 
	padding:0px 0px 0px 0px;
	z-index:2;
	
	}		
	
#content {
	position:relative;
	top:-40px;
	left:15px;
	width:940px;
	margin:0px auto;
	text-align:left; 
	padding:0px 0px;
	z-index:3;
	}

#footer {
	position:relative;
	top:-60px;
	left:15px;
	width:940px;
	margin:0px auto;
	text-align:left; 
	padding:0px 0px;
	z-index:3;
	}	

	
A:link {text-decoration: none; color:#1f4d7c}
A:visited {text-decoration: none; color:#1f4d7c}
A:active {text-decoration: none; color:#1f4d7c}
A:hover {text-decoration: underline; color:#1f4d7c}	
	
h1 {
/** place on all headings**/
   padding: 0;
   margin:0px;
   margin-bottom:0px;
   margin-top:0px;
   margin-left:0px;
   margin-bottom:0px;
}


h2 {
/** place on all important content**/
    padding: 0;
   margin:0px;
   margin-bottom:0px;
   margin-top:0px;
   margin-left:0px;
   margin-bottom:0px;
}

h3 {
/** place on all important content**/
    padding: 0;
   margin:0px;
   margin-bottom:0px;
   margin-top:0px;
   margin-left:0px;
   margin-bottom:0px;
}


img {
background-color:none;
}

.footer {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:10px;
	color:#333333;
	font-weight:bold;
	letter-spacing:0px;
	}
	
.contactText {
	font-family:Arial, Helvetica, sans-serif;
	font-size:11px;
	color:#0d2c57;
	font-weight:normal;
	letter-spacing:0px;
	line-height:30px;
	}
	
	
.orange11bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:11px;
	color:#CC6600;
	font-weight:bold;
	letter-spacing:0px;
	}
	
.red16bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:16px;
	color:#b13504;
	font-weight:bold;
	letter-spacing:0px;
	}			

.darkgrey24bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:24px;
	color:#262626;
	font-weight:bold;
	letter-spacing:0px;
	line-height:18px;
	}	
	
.darkgrey12bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:12px;
	color:#262626;
	font-weight:bold;
	letter-spacing:0px;
	line-height:14px;
	}		

.white12bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:12px;
	color:#ffffff;
	font-weight:bold;
	letter-spacing:0px;
	}	

.grey20 {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:20px;
	color:#333333;
	letter-spacing:0px;
	line-height:20px;
	}	

.grey18 {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:18px;
	color:#333333;
	letter-spacing:0px;
	line-height:20px;
	}	

.grey16 {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:16px;
	color:#333333;
	letter-spacing:0px;
	line-height:16px;
	}	

.grey14bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:14px;
	color:#333333;
	font-weight:bold;
	letter-spacing:0px;
	line-height:18px;
	}	
	
.grey14 {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:14px;
	color:#333333;
	font-weight:normal;
	letter-spacing:0px;
	line-height:18px;
	}	
	
.grey13bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:13px;
	color:#333333;
	font-weight:bold;
	letter-spacing:0px;
	line-height:18px;
	}	
	
.grey13 {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:13px;
	color:#333333;
	font-weight:normal;
	letter-spacing:0px;
	line-height:18px;
	}	
	
.grey12bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:12px;
	color:#333333;
	font-weight:bold;
	letter-spacing:0px;
	}	
	

.grey12 {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:12px;
	color:#333333;
	font-weight:normal;
	letter-spacing:0px;
	line-height:16px;
	}	
	
.grey12callout {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:12px;
	color:#333333;
	font-weight:normal;
	letter-spacing:0px;
	line-height:13px;
	}	
	
.grey11 {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:11px;
	color:#333333;
	font-weight:normal;
	letter-spacing:0px;
	}
	
.blue24 {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:24px;
	color:#336699;
	font-weight:normal;	
	letter-spacing:0px;
	}
	
.blue20bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:20px;
	color:#336699;
	font-weight:bold;	
	letter-spacing:0px;
	}
	
.blue18{
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:18px;
	color:#336699;
	font-weight:normal;	
	letter-spacing:0px;
	}	
	
.blue16bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:16px;
	color:#336699;
	font-weight:bold;	
	letter-spacing:0px;
	}	
		
.blue14bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:14px;
	color:#336699;
	font-weight:bold;	
	letter-spacing:0px;
	}	
	
.darkblue14bold {
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:14px;
	color:#0d2c57;
	font-weight:bold;	
	letter-spacing:0px;
	line-height:18px;
	}	
	
.blue12bold{
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:12px;
	color:#1f4d7c;
	font-weight:bold;
	letter-spacing:0px;
	line-height:14px;
	}	
	
.blue12{
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:12px;
	color:#0d2c57;
	font-weight:normal;
	letter-spacing:0px;
	line-height:14px;
	}