body{
 font-family: Arial, Helvetica, sans-serif;
 color: #3F3F3F;
 font-size: 11px;
 background-color: #fff;
 margin: 0px;
 padding: 0px;
 text-align:center;
}
a:link, a:visited{
  color: #0B83B6;
  text-decoration: none;
}
a:hover{
text-decoration: underline;
}
a:active, a:focus{
	outline: none;
	color: White;
}

a:link img, a:visited img, a:hover img { border-style: none; } /* no border on img links */

a img { color: white; }        /* trick to hide the border in Netscape 4 */
@media all {                   /* hide the next rule from Netscape 4 */
  a img { color: inherit; }    /* undo the color change above */
}
img{
	margin: 0px;
	outline: none;
}
th, td { /* ns 4 */
  font-family: sans-serif;
}
h2, h3, h4, h5, h6 { text-align: left; }
/* background should be transparent, but WebTV has a bug */
h1, h2, h3 { color: #444444; background: transparent; }
h2 {
	padding-left: 6px;
}

h1 { font: bolder 150% sans-serif; }
h2 { font: bolder 125% sans-serif; }
h3 { font: 110% }
h4 { font: bold 100% }
h5 { font: italic 100% }
h6 { font: small-caps 100% }

div.fix{
	clear: both;
}
.headtbl{
		border-left: 1px solid #193B87;
		border-right: 1px solid #193B87;		
}
.tbl-content{
	border: 1px solid #193B87;
	border-collapse: collapse;
}
/* Left Column */
.leftclm{
	background-color: #CEE0F9;
}
.leftclm a:link, .leftclm a:visited{
	color: #0B83B6;
	font-weight: bold;
}
.leftclm a:hover{
	color: #0B83B6;
}

/* Right Column */
.rightclm{
	background-color: #ECF1F7;
}
.rightclm div, .leftclm div{
	margin: 5px;
	text-align: justify;
}
.rightclm a:link, .rightclm a:visited{
	color: #0B83B6;
}
.rightclm a:hover{
	color: #0B83B6;
}

/* Center Column */
.centerclm{
	color: #3F3F3F;
	background-color: #DBEAFF;
	border-left: 1px solid #7DBDFF;
	border-right: 1px solid #7DBDFF;
}

.centerclm a:link, .centerclm a:visited{
	color: #0B83B6;
}
.centerclm a:hover{
	color: #0B83B6;
}

.centerclm ul
{
margin: 25px;
padding-left: 10px;
list-style-type: disc;
text-align:left;
}

.centerclm ol
{
margin: 25px;
padding-left: 10px;
text-align:left;
}
.centerclm li { margin: 0 0 2px 0; }

.centerclm p{
        margin:8px;
	text-align: left;
}
.head{
	padding: 4px;
	display: block;
	text-align: center;
	font-size: 11px;
	color: #363636;  font-weight: bold; text-transform: uppercase;
}
.lhead{
	color: #315CB2;
		background-color: #7DBDFF;
	border-top: 1px solid #7DBDFF;
}
.rhead{
	color: #315CB2;
		background-color: #B9DDF5;
	border-top: 1px solid #7DBDFF;		
}
.chead{
	color: #315CB2;
	background-color: #DBEAFF;
	border-top: 1px solid #7DBDFF;
}
.topbar{
	background-color: #f8f7d9;
	background-image: url(../images/topbar-bg.jpg);
	background-repeat: no-repeat;
	background-position: right bottom;
	text-align: center;
}
.footer{
	background-color: #E9E9E9;
	border-top: 1px solid #7DBDFF;
	padding: 15px;
	text-align: center;
}
.footer a:link, .footer a:visited{
	color: #0B83B6;
}
.footer a:hover{
	color: #0B83B6;
}
.logo-bg{
	color: #F8F7D9;
	background-color: #193B87;
	padding-top: 5px;
	padding-bottom: 2px;
}
.links a:link, .links a:visited{
	background-image: url(../images/arrow.jpg);
	background-repeat: no-repeat;
	background-position: left;
	padding-left: 10px;
}
.topnav a:link, .topnav a:visited{
	color: #F8F7D9;
	font-weight: bold;	
	text-decoration: none;
}
.topnav a:hover{
	color: white;
}
.newsletter{
border: 1px solid #565656; 
width: 98px; 
font-family: tahoma; 
font-size: 10px; 
}
.red {
	color: Red;
	font-weight: bold;
}