body {
 margin: 0;
 padding: 0;
}

table {border-collapse: collapse;}
table td {padding:0; margin:0; border:none;}

/* padding for body */
table.blueBorder td.pad20 {padding:20px; FONT-SIZE: 12px; COLOR: #000000; FONT-FAMILY: Arial,Verdana;}

/* 1px border around the body table */
table.blueBorder {width:95%; border-collapse: collapse; background-color:#0033CC}
table.blueBorder td {padding:1px; margin:0; border:none;}

/* gray body table */
table.grayTable {width:100%; border-collapse: collapse; background-image:url('/images/background.gif')}
table.grayTable td {padding:0; margin:0; border:none;}

td.blueStretch {background-color:#8099F1;}
td.blueBarBack {background-image:url('/images/fill_top_blue_bar.gif')}
td.panelFill {background-image:url('/images/panels/fill.gif')}
td.fillit {background-image:url('/images/panels/filltwo.gif')}
td.titleStretch {background-image:url('/images/panels/title_fill.gif')}

.testimonials {FONT: 10px arial, tahoma, helvetica, arial, sans-serif; COLOR: #000066;font-weight:500;}

/* windows on right side of pages */
.panel {FONT: 11px tahoma, helvetica, arial, sans-serif; COLOR: #000000;}
a.panel:link, a.panel:visited {FONT: 11px tahoma, helvetica, arial, sans-serif;Color: white;}
a.panel:hover {FONT: 11px tahoma, helvetica, arial, sans-serif;Color:green;}

/* text for site */
.bodyText {FONT: 12px tahoma, helvetica, arial, sans-serif; COLOR: #000000;}
a.bodyText:link, a.bodyText:visited {FONT-SIZE: 12px; COLOR: blue; FONT-FAMILY: Arial,Verdana;}
a.bodyText:hover {FONT-SIZE: 12px; COLOR: green; FONT-FAMILY: Arial,Verdana;}

.smallmenu {FONT: 11px tahoma, helvetica, arial, sans-serif; COLOR: #ffffff}
a.smallmenu:link, a.smallmenu:visited {COLOR: #ffffff; TEXT-DECORATION: none}
a.smallmenu:active {COLOR: #ffcc00; TEXT-DECORATION: none}
a.smallmenu:hover {	COLOR: #94BAE7; TEXT-DECORATION: none}

.smallbold {FONT: 800 10px tahoma, helvetica, arial, sans-serif; COLOR: #ffffff}

.sixteen { FONT-SIZE: 16px; COLOR: #000000; FONT-FAMILY: Arial,Verdana;}
.fifteen { FONT-SIZE: 15px; COLOR: #000000; FONT-FAMILY: Arial,Verdana;}
.fourteen { FONT-SIZE: 14px; COLOR: #000000; FONT-FAMILY: Arial,Verdana;}
.thirteen { FONT-SIZE: 13px; COLOR: #000000; FONT-FAMILY: Arial,Verdana;}

.twelve {
	FONT-SIZE: 12px;
	COLOR: #000000;
	FONT-FAMILY: Arial,Verdana;
	vertical-align: top;
}
a.twelve:link, a.twelve:visited {FONT-SIZE: 12px; COLOR: #000000; FONT-FAMILY: Arial,Verdana;}
a.twelve:hover {FONT-SIZE: 12px; COLOR: green; FONT-FAMILY: Arial,Verdana;}

.tenBoldBlack {FONT: bold 10px tahoma, helvetica, arial, sans-serif; COLOR: #000000;}
.ElevenBlack {FONT: 11px tahoma, helvetica, arial, sans-serif; COLOR: #000000;}

A:link, A:visited {FONT-SIZE: 12px; COLOR: blue; FONT-FAMILY: Arial,Verdana}
A:hover {FONT-SIZE: 12px; COLOR: green; FONT-FAMILY: Arial,Verdana}
.sixteen { FONT-SIZE: 16px; COLOR: #000000; FONT-FAMILY: Arial,Verdana}
.fifteen { FONT-SIZE: 15px; COLOR: #000000; FONT-FAMILY: Arial,Verdana}
.fourteen { FONT-SIZE: 14px; COLOR: #000000; FONT-FAMILY: Arial,Verdana}
.thirteen { FONT-SIZE: 13px; COLOR: #000000; FONT-FAMILY: Arial,Verdana}
.twelve {
	FONT-SIZE: 12px;
	COLOR: #000000;
	FONT-FAMILY: Arial,Verdana;
}
.eleven { FONT-SIZE: 11px; COLOR: #000000; FONT-FAMILY: Arial,Verdana}
.blueeleven { FONT-SIZE: 11px; COLOR: blue; FONT-FAMILY: Arial,Verdana}
.ten    { FONT-SIZE: 10px; COLOR: #000000; FONT-FAMILY: Arial,Verdana}
.four   { FONT-SIZE: 4px; COLOR: #000000; FONT-FAMILY: Arial,Verdana}
.two    { FONT-SIZE: 2px; COLOR: #000000; FONT-FAMILY: Arial,Verdana}
.nav    { Z-INDEX: 4; LEFT: 0px; WIDTH: 186px; POSITION: absolute; HEIGHT: 29px}
.error  { color: #c00000;}
.date   { FONT-SIZE: 11px; COLOR: #000000; FONT-FAMILY: Verdana}