body  {
	margin: 0;
	font-family: Arial,Geneva,Helvetica,Verdana,sans-serif;
	font-size: 80%;
	color: #4D4D4D;
	background-color: fff;
	background-image: url(images/bkgd.gif);
	background-repeat: repeat-x;
	}	
td {
	vertical-align: top;
	font-family: Arial,Geneva,Helvetica,Verdana,sans-serif;
	font-size: 70%;
	color: #4D4D4D;
	}
	
#head {
	height: 230;
	background-image: url(images/header.jpg);
	background-repeat: no-repeat;
	}
#headline {
	position: relative;
/*	left: 24;*/
	width: 916;
	* width: 940;					/* Target width */
	margin: 6 0 0;
	padding: 12;
	background-color: fff;
	font-family: Geneva, Verdana, Arial, san-serif;
	font-size: 9pt;
	color: 000;
	border-bottom: solid 2px #ABABAB/*91A4CF*/;
	}

#content {
	float: none;
	position: relative;
	left: 97;
	width: 690px;
	margin-left: -97;
	background-color: fff;
	}


/*-------------- Body Boxes, side by side, on most pages ----------------*/
.body {
	float: left;
	position: relative;
	left: 100;
	width: 295;
	*width: 349;					/* Target width */
	height: 400;
	padding: 0 25 25 25;
	*padding: 13 25 25 25;
	background-color: fff;
	}
.body2 {
	float: left;
	position: relative;
	left: 100;
	width: 319;
/*	*width: 345;*/
	height: 400;
	padding: 0 25 25 0;
	*padding: 13 25 25 0;
	background-color: fff;
	}
.body .body2 a {
	color: #244A9F;
	text-decoration: none;
	}
.body .body2 a:hover {
	text-decoration: underline;
	}
.body img {
	border: 0;
	margin: 0 -3 -2 0;
	}
.body a img {
	margin: 0 -5 -4 0;

	border: solid 1px #fff;
	}
.body a:hover img {
	border: solid 1px #244A9F;
	}


/*-------------- Home Content Boxes, side by side, on home page only ----------------*/
#home {
	float: left;
	position: relative;
	width: 420;						/* width for Firefox (IE minus margins)*/
	*width: 470;					/* Actual width, IE */
	height: 400;
	padding: 13 25 25;				/* Firefox */
	*padding: 25;					/* IE */
	background-color: fff;
	}
#home2 {
	float: left;
	position: relative;
	width: 420;						/* width for Firefox (IE minus margins)*/
	*width: 470;					/* Actual width, IE */
	height: 400;
/*	padding: 13 0 0;				/* Firefox */
	padding: 25 0 0;					/* IE (to make IE-specific, ad '*' before line */
	background-color: fff;
	}
#home td {
	font-size: 10pt;
	}
	

/*-------------- Expert Creation Box ----------------*/	
.expert1 {
	background: url(images/expertbkgd.gif) repeat-x;
	padding: 13 0 0 25;
	line-height: 1.5em;
	}
.expert2 {
	background: url(images/expertbkgd.gif) repeat-x;
	padding: 13 25 0 0;
	line-height: 1.5em;
	}

/*-------------- Content ----------------*/		
#box2 {
	margin: 0 5 0 10;
	width: 735;
	text-align: left;
/*	background-color: #EDE7DF;*/
	}
		
#left {
	float: left;
	width: 450;
	background-color: #EDE7DF;
	text-align: left;
	}
	
#right {
	float: right;
	width: 195;
	background-color: #F2EEE9;
	margin-bottom: auto;
	text-align: left;
/*	height: 100%*/
	}	

/*-----------MENU------------*/	
	
.menu {						/* Div box with menu items */
	width: 625px;
	height: 37px;
	text-align: left;
	position: absolute;
	}
.menu ul {					/* Eliminates natural characteristics of UL */
	padding: 0;
	margin: 0;
	height: 31;
	list-style-type: none;
	}
.menu li {					/* Unstacks list items */
	float:left;
	position:relative;
	margin: 0;				/* Eliminates 3px vertical jog in IE */
	height: 31;
	}
.menu a {					/* The anchor sets the size and shape of the box */
	border-bottom: 6px solid #ABABAB;	/* Gray border, to change to dark blue on Hover */
	}	
.menu a:hover {					/* Border of anchor changes to dark blue on hover */
	border-bottom: 6px solid #244A9F;
	}
.menu img {					/* Closes Mozilla's gap between image and border */
	margin: 0 0 -3;
	* margin: 0 0 3;
	}
	
/*-----------RIGHT TOP MENU------------*/	

.rtmenu {					/* Position and style for "text menu" on right */
	width: 940;
	font-family: "Trebuchet MS", Geneva, Arial, Verdana, san-serif;
	font-size: 10pt;
	color: #4F4E4E;
/*	float:right;*/
	margin: 0;
	height: 31;
	}
.rtmenu a {
	color: 72695B;
	}
.rtmenu a:hover {
	color: 244A9F;
	}
.rtmenu ul {					/* Eliminates natural characteristics of UL */
	padding: 0;
	margin: 0;
	height: 31;
	list-style-type: none;
	float: right;
	}
.rtmenu li {					/* Unstacks list items */
	padding: 6 12 0 0;
	float:right;
	position:relative;
	margin: 0;				/* Eliminates 3px vertical jog in IE */
	height: 31;
	}

/*-----------SIDE MENU------------*/	

#smenu {
	float: left;
	position: relative;
	left: 50;				/* Not sure why this has to be 50 when it's actually 100! */
	width: 150;
	height: 326;
	background-image: url(/images/smnu-bkgd.jpg)
	}
#smenu a {
	display:block;
	text-decoration:none;
	font-family: "Trebuchet MS", Geneva, Arial, Verdana, san-serif;
	font-size: 10.5pt;
	font-weight: bold;
	color: 4D4D4D;
	height:31px;
	line-height:30px;
	padding: 0 20 0 10;
	}
#smenu a:hover {				/* Determines the style of the text links */
	color: 244A9F;
	text-decoration: underline;
	}
#smenu ul {					/* Eliminates natural characteristics of UL */
	padding: 0;
	margin: 0;
	list-style-type: none;
	text-align: right;
	}
.smenu a {					/* The anchor sets the size and shape of the box */
	height: 30;
	line-height: 35px;
	width: 150;
	color: 4C4C4C;
/*	margin-left:100;*/
/*	background-image: none;*/
	}
#smenu a.active {
	background-image:url(/images/smnu-active.gif);
	}
#smenu a.inactive {
	background-image: none;
	}
.active {
	display: block;
	}
.inactive {
	display: none;
	}
	





/*td.menu {
	background-image: url(images/menubkgd.gif);
	}*/

a {	color: #244A9F; text-decoration: none; }
a:hover { text-decoration: underline; }

/*td  {
	vertical-align: top;
	}*/
td.fine {
	border-top: solid 2px #b0a696;
	background-color: transparent; 
	text-align: center;
	vertical-align: top;
	}
td.fine p {
	color: #DFD4C2;
	font: 9pt Arial,Geneva,Helvetica,SunSans-Regular,sans-serif;
	margin: 10px 8px;
}

p.desc {
	color: #999999;
	font: 8pt Arial,Geneva,Helvetica,SunSans-Regular,sans-serif;
	
}