html, body {padding: 0;	border: 0; margin: 0;}
body {background: #F7F7F7 url(../images/body_bg.gif) repeat-y 50% 0; background-attachment: fixed; margin: 0; padding: 0; text-align: center;}
* {margin: 0; padding: 0;}
hr {clear: both; display: none;}
img {border: 0;}

/************************************************* 
		=GLOBAL -> TYPOGRAPHY 
*************************************************/
p {
	margin: 0; 
	padding: 0; 
	font-family: "Lucida Grande", "Lucida Sans", "Lucida Sans Unicode", verdana, sans-serif; 
	font-size: 12px; 
	line-height: 17px; 
	text-align: left;
	} 

h1 {
	margin: 0; 
	padding: 0; 
	font-family: georgia, "Times New Roman", verdana, sans-serif; 
	font-weight: normal; 
	text-align: left;
	}

h2, h3, h4 {
	margin: 0; 
	padding: 0; 
	font-family: "Lucida Grande", "Lucida Sans", "Lucida Sans Unicode", verdana, sans-serif; 
	font-weight: normal; 
	text-align: left;
	}
	
blockquote {
	margin: 15px 0 15px 30px;
	*margin: 15px 0 15px -5px; /*reposition for IE*/
	padding: 0;
	width: 368px;
	background: url(../images/quote_bg.gif) no-repeat;
	}


em {color: #B70000; font-style: normal;}
em.star {font-weight: bold; color: #B70000; font-size: 15px;}
abbr, acronym {cursor: help; border-bottom: 1px dotted #004183;}

	
/************************************************* 
		=GLOBAL -> LINKS 
*************************************************/
a, a:link, a:active, a:visited {text-decoration: none; color: #0057AE; border-bottom: 1px solid #BFD5EB;}
a:hover {text-decoration: none; color: #B70000; border-bottom: 1px solid #B70000;}

/*************************************************  
		=GLOBAL -> FORMS 
*************************************************/
form {padding: 0; margin: 8px 0; text-align: left;}
fieldset {width: 400px; padding: 0 0 5px 20px; border: none; font-family: arial, verdana, sans-serif; font-size: 11px; color: #004A94;}
input {border: 1px solid #80ACD7; background: #E6EFF7; padding: 2px; font-family: arial, verdana, sans-serif; font-size: 11px; color: #004A94;}

input.submit { 
	width: 105px;
	border: 1px solid #004A94; 
	border-top-color: #80ACD7;
	border-left-color: #80ACD7;
	padding: 4px 0 4px 0;
	background: #D6DEE6 url(../images/submit_bg.gif) repeat-x;
	color: #004A94;
	cursor: pointer;
	font: normal 11px arial, verdana, Helvetica, Arial, sans-serif;
	}
	
input.submit:active, input.submit:hover {
	border: 1px solid #80ACD7; 
	border-top-color: #004A94;
	border-left-color: #004A94;
	}

textarea {border: 1px solid #80ACD7; background: #E6EFF7; padding: 4px; font-family: arial, verdana, sans-serif; font-size: 11px; color: #004A94; width: 325px;}
label {font-size: 11px; color: #0057AE;}

/************************************************* 
		=GLOBAL -> LISTS 
*************************************************/
ul {text-align: left; list-style: none;}
li {font-family: "Lucida Grande", "Lucida Sans", "Lucida Sans Unicode", verdana, sans-serif;; text-align: left;}

/************************************************* 
		=PAGE WRAPPER 
*************************************************/
#wrapper {
	margin: 0 auto;
	padding: 0;
	position: relative;
	width: 736px;
	}
	
/************************************************* 
		=TOP & HEADER 
*************************************************/	
#topCap {
	margin: 0;
	padding: 0;
	position: absolute;
	top: 0; left: 3px;
	width: 736px; height: 29px;
	background: url(../images/top_bg.gif) no-repeat;
	}
	
#topCap .date {
	margin: 3px 8px 0;
	padding: 0;
	color: #80A1C2;
	font-size: 10px;
	text-align: right;
	}
	
#header {
	margin: 0;
	padding: 0;
	position: absolute;
	top: 29px; left: 3px;
	width: 736px; height: 83px;
/*	background: #0057AE url(../images/header_bg.gif) no-repeat;*/
	background: #0057AE url(../images/header_bg.gif) no-repeat;
	}
	
#header h1 {
	margin: 10px 0 0 -100000px; padding: 0;
	font-family: georgia, verdana, sans-serif; 
	font-size: 24px; font-weight: normal;
	text-transform: uppercase; text-align: center;
	letter-spacing: .05em;
	color: #FFF;
	}
	

/************************************************* 
		=NAVIGATION 
*************************************************/	
#navbar {
	margin: 0;
	padding: 0;
	z-index: 2;
	position: absolute;
	top: 112px; left: 3px;
	width: 736px; height: 28px;
	background: url(../images/navbar_bg.gif) no-repeat;
	}
	
#topnav {
	margin: 0;
	padding: 0;
	}
	
#topnav ul {
	margin: 0 0 0 110px;
	padding: 0;
	}
	
#topnav ul li {
	float: left;
	margin: 0;
	padding: 0;
	text-align: center;
	font-size: 12px;
	}

#topnav ul li a {
	display: block;
	margin: 0;
	padding: 0;
	color: #002C57;
	line-height: 28px;
	width: 102px; height: 28px;
	border: none;
	background: url(../images/topnav_bg.gif) no-repeat 0 0;
	}

#topnav ul li a:hover {
	background: url(../images/topnav_bg.gif) no-repeat 0 -27px;
	}
	
#topnav ul li a.active { /* Active Page for Nav */
	background: url(../images/topnav_bg.gif) no-repeat 0 -54px;
	border: none; color: #002C57;
	}

#topnav ul li a.last { /* Increases length of last nav btn */
	width: 104px;
	} 
	
#topnav ul li a.lastActive { /* Active state for last nav */
	width: 104px;
	background: url(../images/topnav_bg.gif) no-repeat 0 -54px;
	border: none; color: #002C57;
	} 

		/***************************** 
		      =SUCKERFISH MENUS 
		*****************************/	
		#topnav ul li ul {
			position: absolute;
			width: 101px;
			left: -999px;
			margin: 0;
			}
	
		#topnav ul li:hover ul, #topnav ul li.sfhover ul {
			left: auto;
			top: 28px;
			}
		
		#topnav li ul {
			border: 1px solid #7A7A7A;
			}	
	
		#topnav li ul li a {
			width: 90px; height: 25px;
			line-height: 25px;
			text-align: left;
			padding-left: 11px;
			font-family: arial, verdana, sans-serif;
			font-size: 10px;
			color: #002C57;
			background: #F1F1F1;
			}
	
		#topnav li ul li a:hover { /* Hover State for Menus */
			color: #B70000;
			background: #FFF;
			}
			
		#topnav li ul li a.activeMenu { /* Active State for Menus */
			color: #B70000;
			font-weight: bold;
			background: #FFF;
			border-top: 1px solid #DFDFDF;
			border-bottom: 1px solid #DFDFDF;
			}

/************************************************* 
		=CONTENT WRAPPER 
*************************************************/
#cap {
	margin: 0;
	padding: 0;
	position: absolute;
	top: 140px; left: 3px;
	width: 736px; height: 7px;
	background: url(../images/contcap_bg.gif) no-repeat;
	}
	
#colwrap {
	margin: 0;
	padding: 0;
	position: absolute;
	top: 147px; left: 3px;
	width: 736px;
	}

/*************************************************  
		=COL -> LEFT 
*************************************************/	
#leftCol {
	float: left;
	margin: 0; padding: 0;
	width: 150px;
	}

#leftCol h2 {
	font-size: 14px;
	text-transform: uppercase;
	color: #B70000;
	margin: 10px 1px 5px 10px;
	}
	
#sidenav ul {
	margin: 0; 
	padding: 0 1px 10px 1px; 
	border: 0;
	}

#sidenav ul li {
	margin: 0;
	padding: 0;
	display: inline;
	line-height: 30px;
	}
	
#sidenav ul li a {
	height: 30px;
	margin: 0;
	padding: 0 0 0 8px; 
	color: #004183; 
	display: block; 
	font-size: 10px !important;
	text-decoration: none;
	border: none;
	background: url(../images/sidenav_bg1.gif) no-repeat 0 -60px;
	}

#sidenav ul li a:hover {
	background: url(../images/sidenav_bg1.gif) no-repeat 0 -30px; 
	}
	
#sidenav ul li a.active { /* Active Page for Side Nav */
	background: url(../images/sidenav_bg1.gif) no-repeat 0 0; 
	}

#sidenav li a.bot { /* Puts border on bottom of last nav */
	height: 32px;
	}
	
#sidenav li a.botActive { /* Active State for last nav */
	height: 32px;
	background: url(../images/sidenav_bg1.gif) no-repeat 0 0; 
	}

/*************************************************
	sidenav
*************************************************/

#vertnav{list-style: none;}

#vertnav{
     padding:0;
     margin:0;
}

#vertnav ul {
     padding: 0;
     margin:0;
     list-style: none;
     width:12em;
     z-index:99;
     position:absolute;
     overflow:visible;
}

#vertnav li {
     margin:0;
     position: relative;
/*     width: 12em;*/
     width: 147px;
     background-color:rgb(219, 228, 237);
     border: none;

     border:solid 1px rgb(219, 228, 237);
/*     border-bottom:none;*/
/*     display:block;*/
     height:1.5em;
}

#vertnav li:last-child{border-bottom:1px solid #CCC;}

#vertnav li a {
     text-decoration:none;
     display:block;
     padding: 0.1em;
     margin:0.2em 0 0.2em 0.1em;
/*     width:11.5em;*/
     width: 147px;
     height:1em;
}

#vertnav a:hover, #vertnav li:hover{
     background-color:rgb(219, 228, 237);
}
#vertnav li:hover, #vertnav ul li a:hover{
     background-color:rgb(219, 228, 237);
}

#vertnav ul, #vertnav ul ul, #vertnav ul ul ul{
     display:none;
     position:absolute;
     top:0;
/*     left:12em;*/
     left: 147px;
}

/* non-IE browsers see this */
#vertnav ul li>ul, #vertnav ul ul li>ul{
     margin-top:-1.4em;
}

#vertnav li:hover ul ul, #vertnav li:hover ul ul ul, #vertnav li:hover ul ul ul ul, #vertnav li:hover ul ul ul ul ul{
     display:none;
}

#vertnav li:hover ul, #vertnav ul li:hover ul, #vertnav ul ul li:hover ul, #vertnav ul ul ul li:hover ul, #vertnav ul ul ul ul li:hover ul{
     display:block;
}

li>ul {
     top: auto;
     left: auto;
}
/* Win IE only \*/
* html #vertnav li{float:left;}
/* end holly hack */ 
/************************************************* 
		=COL -> CENTER 
*************************************************/	
#cntrCol {
	float: left;
	margin: 0; 
	padding: 0;
	width: 436px;
	background: none;
	}

#cntrCol .mainimg {
	margin: 0 0 20px 0;
	padding: 0 0 5px 0;
	background: #EDF3F9 url(../images/feature_bg.gif) bottom repeat-x;
	}
	
#cntrCol h1 {
	margin: 10px 0 5px 15px;
	padding: 0;
	font-size: 22px;
	color: #004183;
	}

#cntrCol h2 {
	margin: 10px 0 5px 15px;
	padding: 0;
	font-size: 15px;
	color: #B70000;
	}

#cntrCol p {
	margin: 0 15px 17px 15px;
	padding: 0;
	color: #000;
	}
	
#cntrCol ul{
	margin: 5px 25px 10px 35px;
	padding: 0; 
	font-size: 12px;
	}
	
#cntrCol ul li{
	margin: 0; 
	padding: 0 0 10px 8px;
	line-height: 17px;
	background: url(../images/cont_bullet.gif) no-repeat 0 4px;
	}
	
#cntrCol ul.gray {
	font-size: 11px;
	color: #666;
	}
		
#cntrCol p.intro {
	margin: 0 25px 17px 15px;
	color: #004183;
	font-size: 15px;
	line-height: 20px;
	letter-spacing: .01em;
	}

#cntrCol .rule {
	margin: 1em 0;
	padding: 0;
	height: 1px;
	width: 436px;
	background: url(../images/rule_bg.gif) no-repeat;
	}
	
#cntrCol .quote {
	font-size: 11px;
	color: #4071A2 !important;
	margin: 0 30px 10px 65px !important;
	padding: 10px 0;
	}
	
#affil {
	margin: 15px 0 15px 0;
	}
		
#cntrCol a.picfloat {
	padding: 0 0 0 15px;
	border: none;
	}
	
#cntrCol .moneychart {
	padding: 5px 0 15px 0;
	margin: 0;
	}

#cntrCol .occ {
	padding: 0 35px 7px 15px;
	border: none;
	float: right;
	}
		
/************************************************* 
		=COL -> RIGHT 
*************************************************/	
#rightCol {
	float: left;
	margin: 0; padding: 0;
	width: 150px;
	background: transparent;
	}
	
#rightCol h2 {
	font-size: 14px;
	text-transform: uppercase;
	color: #B70000;
	margin: 10px 1px 5px 7px;
	}
	
#rightCol p {
	font-size: 10px;
	margin: -5px 5px 2px 7px;
	color: #0057AE;
	line-height: 14px;
	}
	
#rightCol ul{
	margin: 5px 7px 10px 7px;
	padding: 0; 
	font-size: 10px;
	}
	
#rightCol ul li{
	margin: 0; 
	padding: 0 0 5px 7px;
	line-height: 17px;
	background: url(../images/bullet.gif) no-repeat 0 4px;
	}

#rightCol ul li.bvqi {
	padding: 0px 0 0 1px; 
	background: none;
	}
	
#rightCol form {
	margin: 0;
	padding: 0 0 5px 0;
	}
	
#rightCol fieldset {
	margin: 0; padding: 0 0 0 7px;
	width: 142px;
	}
	
#rightCol input {
	margin: 2px 0;
	padding: 1px 0 1px 2px;
	font-size: 9px;
	}
	
#rightCol input.submit { 
	width: 35px;
	padding: 1px 0 1px 0;
	margin: 0;
	}
	


/************************************************* 
		=FOOTER 
*************************************************/	
#footer {
	margin: 0; 
	padding: 0;
	clear: both;
	width: 736px; height: 59px;
	background: #0057AE url(../images/footer_bg.gif) no-repeat;
	}
#footer a {
	color: #80ACD7; 
	text-decoration: underline; 
	border: none;
	}

#footer a:hover {
	color: #E6EFF7; 
	text-decoration: underline; 
	border: none;
	}	

#footer ul {
	margin: 0; 
	padding: 19px 0;
	text-align: center; 
	font-size: 11px; 
	color: #80ACD7;
	}

#footer ul li {
	margin: 0; 
	padding: 0 7px 0 7px; 
	display: inline; 
	border-right: 1px solid #80ACD7;
	}
	
#footer ul li.nobrdr {
	margin: 0; 
	padding: 0 7px 0 7px;
	display: inline; 
	border-right: none;
	}

/********************** 
      MISC CLASSES 
***********************/
.thanks {text-align: center; font-size: 20px; margin: 10px 0;}


.more { /* Hidden TermsConditiions */
	display: none;
	clear: both;
	padding: 5px 0 2px 0;
	margin: 0 0 10px -20px;	
	}
	
.more em {
	font-size: 9px; 
	font-style: normal; 
	text-transform: uppercase; 
	color: #666;
	}

.right {text-align: right; margin: -10px 54px 0 0 !important;}

.more h2 {border-bottom: 1px solid #BFD5EB; width: 90%;}

.more p, ul {
	font-size: 11px; 
	color: #000; 
	padding: 0 0 3px 0;
	font-family: "Lucida Grande", "Lucida Sans Unicode", verdana, arial, sans-serif;
	}