body,td,th {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 11px;
	color: #000033;
}
body {
	background-image: url(../images/bground.gif);
	background-repeat: repeat-x;
	margin-top: 15px;
}
a {
	font-size: 11px;
	color: #000033;
	font-weight: bold;
}
a:link {
	text-decoration: underline;
}
a:visited {
	text-decoration: underline;
	color: #000033;
}
a:hover {
	text-decoration: none;
	color: #666666;
}
a:active {
	text-decoration: underline;
	color: #000033;
}
h1,h2,h3,h4,h5,h6 {
	font-weight: bold;
	font-weight: bold;
	letter-spacing: -1px;
	padding-bottom: 0px;
	margin-bottom: 0px;
	padding-top: 0px;
	margin-top: 0px;
}
h1 {
	font-size: 24px;
	color: #000033;
}
h2 {
	font-size: 18px;
	color: #999999;
}

/* main wrapper that holds it all centrally */

#wrapper {
width:777px;
margin:0 auto;
padding: 0;
}

/* parent placeholders */

#logo-holder {
width:268px;
height: 155px;
float: left;
padding: 0;
}

#header {
width:509px;
height: 155px;
float: left;
padding: 0;
}

#nav {
width:225px;
height: 399px;
line-height: 18px;
letter-spacing: 2px;
background-image: url(../images/nav.gif);
background-repeat: no-repeat;
float: left;
padding: 25px 0px 0px 43px;
}

#nav a {
font-size: 14px;
font-weight: bold;
color: #000033;
text-decoration: none;
}

#nav a:hover {
font-size: 14px;
font-weight: bold;
color: #999999;
text-decoration: none;
}

#content-bar {
width:509px;
height: 40px;
float: left;
padding: 0;
}

#content {
width:454px;
height: 369px;
background-image: url(../images/content.gif);
background-repeat: no-repeat;
text-align: justify;
letter-spacing: 1px;
float: left;
padding: 15px 30px 0px 25px;
}

#footer {
width:777px;
height: 46px;
color: #FFFFFF;
text-align: center;
background-image: url(../images/footer.gif);
background-repeat: no-repeat;
float: left;
padding: 15px 0px 0px 0px;
}

#footer-bar {
width:777px;
height: 11px;
background-image: url(../images/footerbar.gif);
background-repeat: no-repeat;
float: left;
padding: 0;
}

#disclaimer {
width:777px;
height: 150px;
line-height: 14px;
float: left;
padding: 15px 0px 0px 0px;
text-align: center;
}