html,body {
  margin: 0;
  padding: 0;
  height: 100%; /* needed for container min-height */
  background: url("images/d_gray.jpg") bottom right repeat; /* image required here! */
  color: #000;
  text-align: center; /* this centers the container in IE 5* browsers */
}

div#container {
  position: relative; /* needed for footer positioning*/
  margin: 0 auto; /* center, not in IE5 */
  padding: 0;
  height: auto !important; /* real browsers */
  height: 100%; /* IE6: treaded as min-height*/
  min-height: 100%; /* real browsers */
  width: 990px;  /* this width will create a container that will fit in an 800px browser window  */
  text-align: left; /* this overrides the text-align: center on the body element. */
  background: #fff;
  background-image: url("images/l_gray.jpg");
  background-repeat: repeat-y;
}
div#header {
  margin: 0;
  padding: 0;
  background: url("images/l_gray.jpg") bottom right repeat; /* image required here! */
}
div#lhcol {
  float: left;
  width: 120px;
  margin: -1em 0 0 0;
  padding: 0 0 2.5em 0;
}
div#rhcol {
  margin: 0 0 0 120px;
  padding: 0 1em 2.5em 0.5em;
}

.logo {
  margin: 0.2em 0 0.2em 0.2em;
  padding: 0;
}
.std {
  margin: 0 0 0.5em 0;
  padding: 0;
  border: none;
}

#hnav {
  background: #444 url("images/bgnd.jpg") bottom right repeat;
  float: left;
  width: 100%;
  list-style: none;
  margin: 0 0 1em 0;
  padding: 0;
}
  #hnav li {
    float: left;
    font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
    font-size: 0.8em;
    margin: 0;
    padding: 0;
  }
  #hnav a {
    background: #444 url("images/bgnd.jpg") bottom right repeat;
    color: #fff;
    display: block;
    margin: 0;
    padding: 6px 20px;
    text-decoration: none;
    border-right: 1px solid #777;
  }
  #hnav a:hover {
    background: #2580a2 url("images/hover_h.jpg") bottom center no-repeat;
    color: #fff;
    padding-bottom: 6px;
  }
  #hnav b {
    background: #FFCC30;
    color: #000;
    display: block;
    margin: 0;
    padding: 6px 20px;
    text-decoration: none;
    border-right: 1px solid #777;
  }

#hbtn {
  background: #444 url("images/bgnd.jpg") bottom right repeat;
  float: left;
  list-style: none;
  margin: 0;
  padding: 0;
} 
  #hbtn li {
    float: left;
    font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
    font-size: 0.9em;
    margin: 0;
    padding: 0;
  }
  #hbtn a {
    background: #444 url("images/bgnd.jpg") bottom right repeat;
    color: #fff;
    display: block;
    margin: 0;
    padding: 3px 10px;
    text-decoration: none;
    border-right: 1px solid #777;
  }
  #hbtn a:hover {
    background: #2580a2 url("images/hover_h.jpg") bottom center no-repeat;
    color: #fff;
    padding-bottom: 3px;
  }
  #hbtn b {
    background: #FFCC30;
    color: #000;
    display: block;
    margin: 0;
    padding: 3px 10px;
    text-decoration: none;
    border-right: 1px solid #777;
  }
  #hbtn i {
    background-color: #55ee55;
    color: #000;
    display: block;
    margin: 0;
    padding: 3px 10px;
    text-decoration: none;
    border-right: 1px solid #777;
    font-weight: bold;
  }

#vnav {
  list-style: none;
  margin: 0;
  padding: 0;
  width: 120px;
  border-top: 1px solid #fff;
}
  #vnav li {
    font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
    font-size: 0.8em;
    padding: 0;
    margin: 0;
    border-bottom: 1px solid #fff;
  }
  #vnav a {
    background: #444 url("images/l_gray.jpg") bottom right repeat;
    color: #000;
    display: block;
    margin: 0;
    padding: 6px 10px;
    text-decoration: none;
 }
  #vnav a:hover {
    background: #2580a2 url("images/hover_v.jpg") left center no-repeat;
    color: #fff;
    padding-bottom: 6px;
  }
  #vnav b {
    background: #FFCC30;
    color: #000;
    display: block;
    margin: 0;
    padding: 6px 10px;
    text-decoration: none;
  }
  #vnav i {
    background: #55ee55;
    color: #000;
    font-weight: bold;
    display: block;
    padding: 3px 10px;
    text-decoration: none;
  }
h1 { 
  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
  font-size: 0.9em;
  font-weight: bold;
  color: #000044;
  margin: 0;
  padding: 0;
}
h2 {
  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
  font-size: 0.8em;
  color: #004400;
  font-weight: bold;
  margin: 1em 0 0 0;
}
h3 {
  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
  font-size: 0.8em;
  color: #000;
  font-weight: bold;
  margin: 1em 0 0 0;
}
p {
  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
  font-size: 0.9em;
  line-height: 1.5; 
  margin: 0;
  padding: 0;
}
a:hover {
  background-color: #2580a2;
  color: #fff;
  padding: 2px 0;
}

.L9i {
  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
  font-size: 0.9em;
  font-style: italic;
  line-height: 1.5em;
  padding: 0;
  margin: 0 1.8em;
}
.L9 {
  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
  font-size: 0.9em;
  line-height: 1.5em;
  padding: 0;
  margin: 0 1.8em;
}
.L8 {
  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
  font-size: 0.8em;
  line-height: 1.6em;
  padding: 0;
  margin: 0 2em;
}
	
div#footer {
  position: absolute;
  width: 100%;
  bottom:0; /* stick to bottom */
  background: white;
}
  div#footer p {
    padding: 0;
    margin: 0;
  }

#ftr {
  background: url("images/l_gray.jpg") bottom right repeat;
  float: left;
  list-style: none;
  margin: 0;
  padding: 0;
  width: 100%;
  border-top: 1px solid #777;
}
  #ftr li {
    float: left;
    font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
    font-size: 0.6em;
    margin: 0;
    padding: 0;
    border-right: 1px solid #777;
  }
  #ftr a {
    background: url("images/l_gray.jpg") bottom right repeat;
    font-weight: bold;
    display: block;
    float: left;
    margin: 0;
    padding: 4px 12px;
    text-decoration: none;
    border-right: 1px solid #777;
  }
  #ftr a:hover {
    color: white;
    background: #2580a2;
  }
  #ftr b {
    background: url("images/l_gray.jpg") bottom right repeat;
    color: black;
    display: block;
    float: left;
    margin: 0;
    padding: 4px 12px;
  }

table.alm{
  text-align: left;
  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
  font-size: 0.8em;
  border: 0px;
  border-collapse: collapse;
  border-spacing: 0px;
}
  table.alm th{
    background-color: #aaccff;
    color: #000;
    padding: 2px 10px;
    margin: 0;
    vertical-align: middle;
    text-align: left;
    border: 1px #fff solid;
    font-size: 1em;
    font-weight: bold;
  }
  table.alm td{
    vertical-align: text-top;
    vertical-align: middle;
    text-align: left;
    background-color: #eee;
    color: #000;
    padding: 2px 10px;
    border: 1px #fff solid;
  }
  table.alm td.rha{
    vertical-align: text-top;
    vertical-align: middle;
    text-align: right;
    background-color: #eee;
    color: #000;
    padding: 2px 10px;
    border: 1px #fff solid;
  }
  table.alm td.ca{
    vertical-align: text-top;
    vertical-align: middle;
    text-align: center;
    background-color: #eee;
    color: #000;
    padding: 2px 10px;
    border: 1px #fff solid;
  }
  table.alm td.hdr{
    vertical-align: text-top;
    vertical-align: middle;
    text-align: left;
    background-color: #7799bb;
    color: #fff;
    padding: 2px 10px;
    border: 1px #fff solid;
    font-weight: bold;
  }

  table.alm td.blank{
    vertical-align: text-top;
    vertical-align: middle;
    text-align: left;
    background-color: #fff;
    color: #000;
    padding: 0;
    border: 1px #fff solid;
  }
  table.alm td.btn{
    vertical-align: middle;
    text-align: left;
    background: #444 url("images/l_gray.jpg") bottom right repeat;
    color: #fff;
    padding: 0;
    border: 1px #fff solid;
  }

table.al{
  width: 100%;
  text-align: left;
  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
  font-size: 0.8em;
  border: 0px;
  border-collapse: collapse;
  border-spacing: 0px;
}
  table.zzz td{
    padding: 0;
    margin: 0;
  }

table.faq_q{
  text-align: left;
  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
  font-size: 0.9em;
  border: 0px;
  border-collapse: collapse;
  border-spacing: 0px;
}
  table.faq_q th{
    background-color: #7799bb;
    color: #fff;
    border-right: 1px #fff solid;
    border-bottom: 1px #fff solid;
    padding: 2px 10px;
    margin: 0;
  }
  table.faq_q td{
    background-color: #eee;
    color: #000;
    border-right: 1px #fff solid;
    border-bottom: 1px #fff solid;
    padding: 2px 10px;
    margin: 0;
  }
  table.faq_q td.blank{
    background-color: #fff;
    color: #000;
    padding: 2px 10px;
    margin: 0;
  }

table.faq_a{
  text-align: left;
  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
  font-size: 0.9em;
  border: 0px;
  border-collapse: collapse;
  border-spacing: 0px;
}
  table.faq_a th{
    background-color: #55aa55;
    color: #fff;
    border-right: 1px #fff solid;
    border-bottom: 1px #fff solid;
    padding: 2px 10px;
    margin: 0;
  }
  table.faq_a td{
    background-color: #eee;
    color: #000;
    border-bottom: 1px #fff solid;
    border-right: 1px #fff solid;
    padding: 2px 10px 20px 10px;
    margin: 0;
  }
  table.faq_a td.hdr{
    background-color: #7799bb;
    color: #fff;
    border-right: 1px #fff solid;
    border-bottom: 1px #fff solid;
    padding: 2px 10px;
    margin: 0;
    font-weight: bold;
  }
  table.faq_a td.blank{
    background-color: #fff;
    color: #000;
    padding: 2px 10px;
    margin: 0;
  }