body { background: url('images/top_bg.gif') #ffffff; }
body, form, p {  background-image: none; margin-top: 0px; margin-right: 0px; margin-left: 0px; margin-bottom: 0px; }
body, td, p { font-family: Arial, Verdana, Helvetica, sans-serif; font-size: 12px; font-style: normal; color: #000000; line-height: 16px;}

/* text headings */
h1 {
	font-weight: bold; font-size: 18px; color: #990000; line-height: 20px; 
	margin-top: 0px; margin-bottom: 10px; margin-left: 0px; margin-right: 0px;}
h2 {
	font-family: Arial, Verdana, Helvetica, sans-serif; 
	font-weight: bold; font-size: 14px; color: #990000;
	margin-top: 0px; margin-bottom: 5px; margin-left: 0px; margin-right: 0px;}
h3 {
	font-family: Arial, Verdana, Helvetica, sans-serif; 
	font-weight: bold; font-size: 11px; color: #ffffff;
	margin-top: 0px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px;}

/* padding and margins for body text or side navigation etc. */
.div-main { margin: 0px 20px 20px 20px; }
.div-box { margin-left: 10px; margin-right: 10px; font-size: 11px; line-height: 13px; }

/* txt stuff */
.txt-white { color: #ffffff; }
.txt-black { color: #000000; }
.txt-nav { color: #335E66; font-weight: bold; }
.copyright { color: #ffffff; margin-right: 5px; }
.disclaimer { font-size: 9px; color: #666666; line-height: 11px;}
.bold { font-weight: bold; }

/* list */
ul { list-style: square; margin-top: 5px; margin-right: 5px; margin-bottom: 5px; margin-left: 20px; }
ol { margin-top: 5px; margin-right: 5px; margin-bottom: 5px; margin-left: 35px; }

/* background color or image*/
.bg-black { background-color: #000000; }
.bg-white { background-color: #ffffff; }
.bg-main { background-color: #EFF3F7; }
.bg-footer { background-color: #181E24; }
.bg-nav { background-color: #DAE3E5; }
.bg-div { background: url('images/div_hzn.gif') repeat-x; }

.bg-box { background: url('images/box_bg.gif') repeat-y; }
.bg-ad { background: url('images/ad_bg.gif') repeat-y; }

/* handy pseudo classes for anchors - for various nav and body links */
a { font-size: inherit; font-weight: bold; color: #335E66; text-decoration: underline; }
a:hover { color: #7AC1CC;}

a.nav-on { font-size: 12px; font-weight: bold; color: #335E66; text-decoration: none; line-height: 30px; margin-left: 10px;}
a.nav-on:hover { color: #335E66; text-decoration: none; }
a.nav-off { font-size: 12px; font-weight: bold; color: #335E66; line-height: 30px; text-decoration: underline; margin-left: 10px;}
a.nav-off:hover { color: #7AC1CC; text-decoration: underline; }

a.footer { color: #ffffff; font-weight: normal; text-decoration: underline; margin-left: 5px; margin-right: 5px; line-height: 30px; }
a.footer:hover { color: #888888; text-decoration: underline; }