ul, p, table, ol, div, li {margin-bottom:0; margin-top:0; margin-left:"0";}

.bodytext {font-family:garamond; font-size:14pt;}

.headerhed {font-family:garamond; font-size:40pt; color:black;}
.headertext {font-family:garamond; font-size:30pt; color:gray;}
.colhed {font-family:verdana; font-size:10pt; font-weight:bold; }
.hed24 {font-family:verdana; font-size:24pt; font-weight:bold;}
.hed18 {font-family:verdana; font-size:18pt; font-weight:bold;}


.hed { font-family:verdana; font-size:10pt; font-weight:bold; border: solid black 1pt; background-color: #0080FF; line-height: 2; align:center;}

.button { font-family:verdana; font-size:10pt; font-weight:bold; border: solid black 1pt; background-color: #0080FF; line-height: 2; align:center;}

.highlight { font-family:garamond; font-size:10pt;}

A {text-decoration:none;}
A:hover {text-decoration: underline;}
A.white {color:white; font-size:10pt; font-family:garamond;}

.bighed {font-family:garamond; font-size:16pt; color:white;}

.texthed {font-family:garamond; font-size:16pt;}

.hed14 {font-family:garamond; font-size:14pt;}

.midhed {font-family:verdana;  font-size:14pt;}

.body {font-family:garamond; font-size:12pt;}

.body8 {font-family:garamond; font-size:8pt;}

.body9 {font-family:garamond; font-size:9pt;}

.body10 {font-family:garamond; font-size:10pt;}

.body11 {font-family:garamond; font-size:11pt;}

.body12 {font-family:garamond; font-size:12pt;}

.verdana24 {font-family:verdana; font-size:24pt;}

.verdana14 {font-family:verdana; font-size:14pt;}

.verdana11 {font-family:verdana; font-size:11pt;}

.garamond12 {font-family:garamond; font-size:12pt;}

.garamond14 {font-family:garamond; font-size:14pt;}

.garamond16 {font-family:garamond; font-size:16pt;}

.garamond20gray {font-family:garamond; font-size:20pt; color:gray;}

.garamond20 {font-family:garamond; font-size:20pt;}

li.white {color:white; font-family:garamond; font-size:10pt;}

ul.white {color:white; font-family:garamond; padding-left:"3px";}

TR.shade {background-color: #DFDFDF;}

table.border {
border-color: black;
border-style: solid;
border-width: 1px;}

blockquote {padding: 0 0 0 50px ;
	margin-bottom:0; margin-top:0;
}

#colleft { width: 15%;
font-family: garamond; font-size: 8pt; 
text-align: left; 
font-weight: normal;
vertical-align:top;
background-color: #AFAFAF;

} 

#colmain {  width: 70%
font-family: garamond; font-size: 10pt; 
text-align: left; vertical-align:top;

} 

#colright{ width: 15%; 
font-family: garamond; font-size: 8pt; 
text-align: left;
font-weight: normal; 
vertical-align:top;
background-color: #AFAFAF;

}