body{
	font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	color: #2d4a6d;
	margin: 0px;
	padding: 0px;
	font-size: 0.7em;
	text-align: left;
}

img.mainb {
	float: left;
	padding: 5px;
}

a{
	color: #2d4a6d;
	text-decoration: none;
}

.testimo a{
	color: #fff;
	text-decoration: none;
}

a:link{
	color: #2d4a6d;
	text-decoration: none;
}

h3 {
	color:#FF0000;
	font-size: 1.0em;
	margin-bottom: 1px;
}

#rightTools ul
{
list-style-type: none;
padding: 0px;
margin: 0px;
}

#rightTools li
{
	background-image: url(../images/arrow.gif);
	background-repeat: no-repeat;
	background-position: 0 .8em;
	padding-left: .8em;
	line-height: 2em;
	margin: 2px;
	border-bottom: 1px dotted Black;
	
}

#rightTools li.topline
{
	background-image: url(../images/arrow.gif);
	background-repeat: no-repeat;
	background-position: 0 .8em;
	padding-left: .8em;
	line-height: 2em;
	margin: 2px;
	border-top: 1px dotted Black;
	border-bottom: 1px dotted Black;
	
}

.callback {
	padding-left: 8px;
}

.testimonialsHead {
	font-size: 1.2em;
	font-weight: bold;
	padding-bottom: 5px;
}

.testHead {
	font-weight: bold;
	text-decoration: none;
	padding-bottom: 2px;
	
}


.testimonials {
	color: White;
	padding-left: 15px;
	padding-right: 5px;
	
}

p {
	line-height: normal;
}

p.newshead {
	font-weight: bold;
}

p.news {
	margin-top: -10px;
}

p.newssource {
	font-style: italic;
}

img.test {
	float: left;
	padding-right: 5px;
	padding-top: 5px;
	
}

ul
{
list-style-type: none;
padding: 0px;
margin: 20px;
}

li
{
	background-image: url(../images/arrow.gif);
	background-repeat: no-repeat;
	background-position: 0 .8em;
	padding-left: .8em;
	line-height: 2em;
	margin: 2px;

}



a:visited{
	color: #2d4a6d;
	text-decoration: none;
}

a:hover{
	color: #2d4a6d;
	text-decoration: underline;
}

/***********************************************/
/* Layout Divs                                 */
/***********************************************/

#container {
	width: 778px;
	margin-right: auto;
	margin-left: auto;
	border: 1px solid #eee;

}

#masthead{
	background-color: #f3f2f0;
	padding: 10px 0px 1px 0px;
	border-bottom: 3px solid #656462;
	width: 100%;
}

#main {
	width: 100%;
}
#blank {
   background-color: #FFFFFF;
	height: 1px;
	line-height: 1px;
	font-size: 2px;
}

#greyline {
   
	border-bottom: 1px solid #a6a4a1;
}

#navBar{
	float: left;
	width: 20%;
	margin: 0px;
	padding: 0px;

	}

#rightcol{
   float:left;
	width: 204px;
	padding-right: 0px;
}

#content{
	float: left;
   width: 778px;
}

#homecontent{
	float: left;
	width: 100%;
	padding: 0px;
	margin:0px;
	background-color: #eeeeee;

}

#cols3{
	float: left;
   width: 778px;
	margin:0px;
}

#copyright {
	width: 100%;
	float: none;
	clear: both;
	margin-top: 5px;
	margin-bottom: 10px;
	margin-right: 0px;
	font-size: 0.8em;
	text-align: right;
	
}

#disclaimer {
	width: 778px;
	margin-top: 5px;
	margin-bottom: 30px;
	padding-right: 0px;
    padding-left: 2px;
	font-size: 0.8em;
	margin-right: 0px;

}

.risk1 {
	font-size:0.85em;
	padding-top:10px;
	padding-left:5px;
	font-weight:bold;
	color:#FF0000;
	
	}

#redlinebottom {
	background-color: #FF0000;
	height: 1px;
	line-height: 1px;
	clear: both;
}

#greylinebottom {
	margin-top: 20px;
	background-color: #ccc;
	height: 1px;
	line-height: 1px;
	clear: both;
}

#greylinebottom1 {
	background-color: #ccc;
	height: 1px;
	line-height: 1px;
	clear: both;
}


/************* #globalNav styles **************/

#globalNav{
	
	color: #294b6e;
	font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-size: 1.2em;
	font-weight: bold;
	font-variant: small-caps;
	background-color: #FFFFFF;
	padding-top: 10px;
	padding-right: 0px;
	padding-bottom: 10px;
	padding-left: 10px;
	text-align: right;
}

#globalNav img{
 display: block;
}

#globalNav a {
	color: #2c4a6c;
	font-weight: bold;
	padding-top: 10px;
	padding-right: 4px;
	padding-bottom: 10px;
	padding-left: 0;
}

#globalNav a.focus {
	text-decoration: underline;
	
}

/************* #globalNav styles **************/

#contact{
	/*border-bottom: 1px dotted #CCC;*/
	color: #2d4b6d;
	background-color: #f3f2f0;
	padding-top: 5px;
	padding-left: 1px;
	padding-right: 5px;
	padding-bottom: 2px;
	float:right;
	margin-top:-50px;
	width: 350px;
	text-align: right;
}

#contact img{
 display: block;
}

#contact a {
	color: #2d4b6d;
	padding-top: 2px;
	padding-left: 5px;
	padding-left: 0;
}

#contact a:hover {
	color: #2d4b6d;
	padding-top: 2px;
	padding-bottom: 2px;
	padding-left: 0;
	text-decoration:underline
}


/************* #main content columns styles **************/

#mainfeature {
	width: 574px;
	
}

#mainleft {
	width: 250px;
	float: left;
	margin-right: 15px;
	padding-left: 3px;
	padding-right: 3px;
	margin-top: 15px;
	border: 1px solid #cccccc;
	height: 230px;
}

#mainleft p {
		margin-top: 1px;
}

#mainleft h3 {
		color: #FF0000;
		margin-top: 5px;
		margin-bottom: 3px;
		font-size: 1.5em;
}

#maincontent {
	width: 568px;
	float: left;
	padding-left: 3px;
	
	margin-top: 15px;
}

#maincontent p {
		margin-top: 1px;
}

#maincontent p.date{
		margin-top: 1px;
		color:#000033;
		font-style:italic;
		margin-bottom:1px;
}


#maincontent h2 {
		color: #FF0000;
		margin-top: 5px;
		margin-bottom: 2px;
		font-size: 1.5em;
}

#maincontent h3 {
		color: #FF0000;
		margin-top: 5px;
		margin-bottom: 2px;
		font-size: 1.0em;
}


#mainright {
	width: 290px;
	padding-left:3px;
	float: left;
	margin-right: 3px;
	margin-top: 15px;
}

#headlines {
	width: 100%;
	border: 1px solid #cccccc;
	height: 204px;
	float: right;
	margin-bottom: 15px;
	background:#f5f5f5;
	
	}

#headlines a {
	padding: 0px 1px 0px 1px;
	color: #ff0000;

}

#headlines a.head {
	padding: 0px 1px 0px 1px;
	color: #ff0000;
	font-weight: bold;
	
}

#headlines .heading {
	background-color: #FF0000;
	color: #FFFFFF;
	font-size: 1.5em;
	font-weight: bold;
	text-align: center;
	width: 204px;
	
}
#headlines h2 {
	background-color: #FF0000;
	color: #FFFFFF;
	font-size: 1.3em;
	text-align: left;
	width: 200px;
	padding-top: 2px;
	padding-bottom: 2px;
	padding-left: 4px;
	margin-bottom: 2px;
	margin-top: 0px;
}

#headlines h3 {
	font-size: 1.0em;
	margin-top:4px;
	margin-bottom:12px;
	font-weight: bold;
	color: #000000;
	padding-left: 3px;

}

#headlines p {
	margin-top: -15px;
	padding: 3px;
}

#address {
	width: 100%;
	border: 1px solid #cccccc;
	float: left;
	margin-bottom: 15px;

}

#address h2 {
	color: #FF0000;
	font-size: 1.3em;
	text-align: left;
	width: 204px;
	padding-top: 1px;
	padding-bottom: 2px;
	padding-left: 2px;
	
}

#address p {
	margin-top: 5px;
	padding: 3px;
	font-weight: bold;
}


.minifeature {
	margin-bottom: 20px;
	padding-bottom:0px;
}

.minifeature h4 {
	font-size: 1.0em;
	margin-top:0px;

}

.minifeature img {
	float: left;
	padding: 0px;
	border: 1px solid #cccccc;
	text-align: center;
	margin-right: 5px;
}

.minifeature a {
	color: #FF0000;
}

#rightToolsTop {
	border: solid #FFFFFF 1px;
	margin: 20px 5px 20px 5px;
}

#rightTools {
	
	margin: 20px 5px 20px 5px;
}

#rightToolsBottom {
	border: solid #FFFFFF 1px;
	margin: 0px 5px 20px 5px;
}


.minifeature p {
	margin-top: -15px;
	vertical-align:top;
	
}

.baserate {
	margin-top: 10px;
	color: White;
	font-weight: bold;
	padding-left: 15px;
	padding-right: 5px;
	border: solid;
	border-color: #eee;
	border-width: 1px;
	
	
}
.feature{
   float:left;
	width: 519px;
	padding-right: 0px;
	
}

.bold {
	font-weight: bold;
}

#cols{
    float:left;
	width: 250px;
	margin-right: 0px;
}

#colsleft{
    float:left;
	width: 240px;
	margin-right: 10px;
	}

#colsright{
   float:right;
	width: 250px;
	margin-left: 10px;
	
	}

.colHeader {
	background-color: #e9f1f9;
	width: 250px;
	font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-size: 1.3em;
	font-variant: small-caps;
	padding-left: 3px;
	padding-top: 3px;
	padding-bottom: 3px;
	color: #2d4a6d;
	font-weight: bold;
}

.risk {
    font-weight:bold;
	font-variant:small-caps;
	}

.colHeaderLeft {
	background-color: #e9f1f9;
	width: 230px;
	font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-size: 1.3em;
	font-variant: small-caps;
	padding-left: 10px;
	padding-top: 3px;
	padding-bottom: 3px;
	color: #2d4a6d;
	font-weight: bold;
}

/*
.colHeaderMiddle {
	background-color: #e9f1f9;
	width: 250px;
	font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-size: 1.3em;
	font-variant: small-caps;
	padding-top: 3px;
	padding-left: 3px;
	padding-bottom: 3px;
	color: #2d4a6d;
	font-weight: bold;
}

*/

.colHeaderMiddle {
   background-color: #e9f1f9;
	width: 255px;
	font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-size: 1.3em;
	font-variant: small-caps;
	padding-top: 3px;
	padding-left: 3px;
	padding-bottom: 3px;
	color: #2d4a6d;
	font-weight: bold;
}

.colContent {
	padding-left: 3px;
	padding-bottom: 3px;
	font-weight: bold;
	line-height: 20px;
	margin-top: -15px
}

.colContentLeft {
	padding-left: 10px;
	padding-bottom: 3px;
	font-weight: bold;
	line-height: 20px;
	margin-top: -15px;
}

.colHeaderRight {
	background-color: #e9f1f9;
	width: 257px;
	font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-size: 1.3em;
	font-variant: small-caps;
	padding-top: 3px;
	padding-left: 3px;
	padding-bottom: 3px;
	color: #2d4a6d;
	font-weight: bold;
}

.right{
   float:left;
	width: 238px;
	padding-right: 0px;
	background-color: #49535f;
	height: 177px;
	color: #fff;
	padding-top: 15px;
	padding-left: 10px;
	padding-right: 10px;
	
}

.maincontent{
   float:left;
	/*width: 480px;*/
	width: 499px;
	padding-left: 10px;
	padding-top: 10px;
	padding-right: 10px;
	padding-bottom: 10px;
	text-align:justify;
	background-color: #fff;
	
	
}

.maincontent h2{
		font-size: 1.3em;
	}

.rightcontent{
   float:right;
	width: 258px;
	padding-right: 0px;
	
}

.rightcontent1{
   float:right;
	width: 261px;
	padding-right: 0px;
	
}

#cols ul, .colContentLeft ul {
	margin: 0;
	padding: 5px 5px 5px 23px;
}

#cols ul li, .colContent ul li {
	font-size: 11px;
}

/*------main feature ---- */
.mainfeature {
	padding-bottom:0px;
}

.mainfeature h4 {
	font-size: 1.0em;
	margin-top:0px;

}

.mainfeature img {
	float: left;
	padding: 0px 0px 1px 0px;
	border: 1px solid #cccccc;
	text-align: center;
	margin-right: 5px;
}

.mainfeature a {
	color: #FF0000;
}

.mainfeature p {
	margin-top: -15px;
	vertical-align:top;
	
}

.mainfeature p.more {
	text-align:right;
	}

#mailinglist {
	margin-left: 10px;

}

#mailinglist form{
	margin-bottom:0px;

}


#mailinglist h1 {
  font-size:1.0em;
  font-weight:bold;
  margin-bottom:-20px;
}


.button {
	width:50px;
	font-family:Verdana, Arial, Helvetica, sans-serif;
	font-size:0.8em;
	}