body {
	margin: 0;
	padding: 0;
	background-color: #fff;
	/* background-image: url(/images/sidebar_logo.gif);
	background-position: 2% 96%; 
	background-attachment: scroll;
	background-repeat: no-repeat; */
	color: #333;
	font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-size: 11px;
}

#topbar {
	margin: 0;
	padding: 1px 4px 1px 0px;
	background-color: #6A8F9F;
	text-align: right;
}

#topbar p {
	margin: 0;
	padding: 0;
	font-size: 10px;
	color: #003555;
	background-color: transparent;
}

#header-welcome {
	margin: 0;
	padding: 0;
	background-color: #003555;
	/*background-image: url(/images/hdr_extension3.jpg);
	background-position: bottom right;
	background-repeat: no-repeat; */
	height: 235px;
}

#header {
	margin: 0;
	padding: 0;
	background-color: #003555;
	/*background-image: url(/images/hdr_extension3.jpg);
	background-position: bottom right;
	background-repeat: no-repeat; */
	height: 110px;
}

#header-welcome #frame {
	margin: 0;
	padding: 0;
	width: 100%;
	height: 235px;
	background-image: url(/images/header_bg.gif);
	background-position: bottom;
	background-repeat: repeat-x;  
	background-color: transparent;
}

#header #frame {
	margin: 0;
	padding: 0;
	width: 100%;
	height: 110px;
	background-image: url(/images/header_bg.gif);
	background-position: bottom;
	background-repeat: repeat-x;  
	background-color: transparent;
}

#banner {
	margin: 0;
	padding: 0px 0px 7px 0px;
	background-image: url(/images/hdr_bannerclouds2.jpg);
	background-repeat: no-repeat; 
	text-align: left;
	vertical-align: top;
}

#banner #masthead {
	margin: 0px 0px 0px 12px;
	padding: 0px 0px 0px 0px;
	vertical-align: middle;
}

#menu {
	margin: 0;
	padding: 0px 0px 0px 0px;
	border-top: 2px solid #fff;
	background-color: #000;
	width: 100%;
	height: 21px;
	color: #fff;
}

#main {
	margin: 0px 0px 5px 0px;
	padding: 0;
	vertical-align: top;
	background-image: url(/images/content_clouds1.jpg);
	background-position: top right;
	background-repeat: no-repeat;
	background-color: transparent;
}

#sidebar {
	margin: 0;
	padding: 0; /* 0px */
	vertical-align: top;
	text-align: left;
	background-color: transparent;
}

#sidebox {
	margin: 15px 0px 0px 10px;  /*15px 0px 0px 10px*/
	padding: 20px 2px 2px 30px; /*20px 2px 2px 7px*/
	vertical-align: top;
	text-align: left;
	/*width: 180px;
	height: 130px;*/
	background-image: url(/images/sidebar_linkbox.gif);
	background-position: top;
	background-repeat: no-repeat;
	background-color: transparent;
}

.submenu1 {
	color: #003555;
}

.submenu1 a {
	color: #003555;
}

.submenu1 a:hover {
	color: #003555;
}

.submenu1 a:active {
	color: #003555;
}

.submenu1 a:visited {
	color: #003555;
}

.submenu2 a {
	color: #C7170C;
}

.submenu2 a:hover {
	color: #C7170C;
}

.submenu2 a:active {
	color: #C7170C;
}

.submenu2 a:visited {
	color: #C7170C;
}

.submenu3 a {
	color: #ff170C;
}

.submenu3 a:hover {
	color: #ff170C;
}

.submenu3 a:active {
	color: #ff170C;
}

.submenu3 a:visited {
	color: #ff170C;
}

#sidebox p {
	margin: 0px 0px 2px 0px;
	line-height: 1.1em;
	color: #26536E;
	font-weight: normal;
}

#sidebox ul, ol, li {
	margin: 0;
	color: #26536E;
	font-size: 10px;
	font-weight: bold;
	list-style-type: none !important;
	list-style-position: outside;
	background-color: transparent;
	line-height: 1.4em;
}

#sidebox a {
	/* color: #C7170C; */ /* #26536E */
	font-weight: bold;
	text-decoration: none;	
}

#sidebox a:hover {
	color: #26536E; /*#6A8F9F;*/
	font-weight: bold;
	text-decoration: none;	
}

#sidebox a:active {
}

#sidebox a:visited {
}

#content {
	margin: 0;
	padding: 55px 20px 25px 0px;
	background-image: url(/images/content_clouds2.jpg);
	background-position: top left; /* 30% */
	background-repeat: no-repeat;
	background-color: transparent;
	text-align: left;
	vertical-align: top;
}

.subhead {
	color: #fff;
}

.subhead b {
	color: #fff;
}

.bread {
	margin: 4px 2px 2px 216px;
	padding: 0;
	color: #6A8F9F;
}

.contacts strong, b {
	font-size: 13px;
	font-weight: bold;
}

h1 {
	margin: 0px 0px 0px 0px;
	padding: 0;
	color: #003555;
	font-family: Frutiger, "Times New Roman", Garamond, Lucida, serif;
	font-size: 19px;
	font-weight: bold;
}

#hdr1 {
	padding: 75px 0px 0px 0px;
	overflow: hidden;
	background-image: url(/images/consumer_title.gif);
	background-repeat: no-repeat;
	height: 0px !important;
	height /**/:75px;  /* for IE5.5's bad box model */
}

h2 {
	margin: 0px 0px 8px 0px;
	padding: 0;
	color: #003555;
	font-family: Verdana, Arial, Geneva, Helvetica, sans serif;
	font-size: 17px;
	font-weight: bolder;
}

h3 {
	margin: 0px 0px 6px 0px;
	padding: 0;
	color: #003555;
	font-family: Verdana, Arial, Geneva, Helvetica, sans serif;
	font-size: 15px;
	font-weight: bold;
}

h4 {
	margin: 0px 0px 2px 0px;
	padding: 1px 4px 1px 1px;
	color: #fff;
	font-family: Verdana, Arial, Geneva, Helvetica, sans serif;
	font-size: 12px;
	font-weight: bold;
	background-color: #003555;
}

#content p {
	font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	color: #333;
	font-size: 11px;
	line-height: 1.4em;
}

#content ul, li {
	color: #333;
	font-size: 11px;
	font-weight: normal;
	line-height: 1.3em;
	list-style-position: outside;
	list-style-type: none;
	list-style-image: url(/images/arrow_bullet.gif);
}

#content ol, li {
	color: #333;
	font-size: 11px;
	font-weight: normal;
	line-height: 1.3em;
	list-style-position: outside;
	list-style-type: decimal;
}

#area-table {
	margin: 0;
	padding: 5;
	border: 1px solid #BACCD6;
}

a {
	color: #26536E;
	font-weight: bold;
	text-decoration: underline;
}

a:hover {
	color: #26536E;
	font-weight: bold;
	text-decoration: none;
}

a:active {
}

a:visited {
	color: #26536E;
	font-weight: bold;
}

img {
	border: 0;
}

strong, b {
	font-weight: bolder;
}

#footer {
	margin: 0px 0px 30px 30px;
	padding: 4px 2px;
	font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-size: 10px;
	background-color: #fff;
	border: 1px solid #000;
	width: 700px;
}

#footer a {
	color: #003555;
	text-decoration: none;
	font-weight: normal;
}

#footer a:hover {
	color: #000;
	text-decoration: none;
	font-weight: normal;
}


#credits {
	margin: 80px 0px 0px 0px;
	padding: 2px 2px 4px 2px;
	height: 28px;
	background-color: #BACCD6;
}