*{
	margin:0;
	padding:0;
	}

img{
	border:0;
	}

body{
	color:#4e4649;
	font:normal 12px/1.4em arial, sans-serif;
	text-align:center; /*centers main div in non-compliant browsers*/
	background: #ffffff;
	}

p#body-tag{
	width: 880px;
	background:#ffffff;
	padding:0 0 0 0;
	}
	
#topbar2{
	width: 650px;
	padding:0 0 0 0;
	border-left: 1px solid #bcd2dc;
	border-right: 1px solid #bcd2dc;
	border-bottom: 1px solid #bcd2dc;
	background:#283f54;
	}
	
.img-ralign {
	float:right;
	padding: 2px 0 2px 12px;
}

#toptopnav {
	margin: 0;
	margin-top: 5px;
	margin-bottom: 10px;
	font:normal 13px/1.5em arial, sans-serif;
	width: 650px;
	padding: 2px 10px 4px 10px;
	color:#ffffff;
	background:#bbc6c0 url(../images/top-nav-back.gif) no-repeat;
	}
	
#toptopnav a, #toptopnav a:visited{
	color:#ffffff;
	text-decoration:none;
	}

#toptopnav a:hover{
	color:#f8c300;
	}

div#wrapper{
	width:880px;
	margin:20px auto; /* centers page in compliant browsers*/
	padding-top:10px;
	padding-left:20px;
	padding-right:20px;
	margin-bottom:10px;
	text-align:left;
	background: #ffffff;
	border: 1px solid #bad2ec;
	}

#wrapper p{
	margin-bottom:15px;
	text-align:justify;
	}

#wrapper h1{
	font:bold 16px helvetica, arial;
	padding-top:3px;
	padding-bottom:1px;
	border-bottom:1px solid #4e4649;
	margin-bottom:15px;
	color:#4e4649;
	}

#wrapper h2{
	font:bold 13px helvetica, arial;
	padding-top:1px;
	padding-bottom:1px;
	margin-bottom:2px;
	color:#0f287a;
	}

#wrapper h3{
	font:bold 14px helvetica, arial;
	margin-bottom:4px;
	color:#316182;
	}
	
#wrapper h4{
	font:bold 14px helvetica, arial;
	margin-top:12px;
	margin-bottom:6px;
	border-bottom:1px solid;
	color:#77432c;
	}

div#summary-box{
	background:#c6c1d9;
	border:1px solid #c4bfd8;
	padding:10px;
	margin-bottom:10px;
	}
	
#left-nav{
	margin: 0px;
	float:left;
	width:190px;
	margin-top: 15px;
	margin-bottom:20px;
	padding: 0px 0px 20px 0px;
	background:#080b2a;
	font-size: 12px;
	font-weight: bold;
}

#left-nav p{
	padding-left: 10px;
	color:#2453bd;
	font:normal 13px/1.4em arial, sans-serif;
}

div#left{
	width:670px;
	padding-left:20px;
	margin-top: 15px;
	float:left;
	font:normal 12px/1.4em arial, sans-serif;
	padding-bottom:15px;
	}

#left ul{
	margin-left:30px;
	margin-bottom:15px;
	}

#left ul li{
	list-style:none;
	padding-left:20px;
	background:#fff url("../images/bullet1.jpg") no-repeat 0px 3px;
	margin-bottom:3px;
	}

div#right{
	float:right;
	width:145px;
	background:#ffffff;
	border: 1px solid #d2bcb4;
	padding:10px;
	font:normal 11px arial, ;
	color:#905646;
	text-align:center;
	}

#right ul{
	list-style:none;
	margin-bottom:15px;
	}
	
#right p{
	margin-bottom:5px;
	}
#right li{
	background:#fff url("../images/dot1.gif") bottom repeat-x;
	}

#right li a, #right li a:visited{
	padding-bottom:1px;
	text-decoration:none;
	font:bold 12px arial, ;
	color:#828180;
	}

#right li a:hover{
	color:#301f73;
	}

#right h3{
	font:bold 11px arial, ;
	text-transform:uppercase;
	color:#301f73;
	border-bottom:1px solid;
	padding-bottom:1px;
	margin-bottom:4px;
	}

a, a:visited{
	color:#2453bd;
	text-decoration:none;
	}

a:hover{
	color:#ff0000;
	}
	
div#factor{
	font-size:95%;
	padding:3px 0;
	clear:both;
	background:#fff;
	}

div#footer{
	font-size:85%;
	padding:3px 0;
	margin-top:15px;
	border-top:1px dashed #bbc6c0;
	clear:both;
	background:#fff;
	}
	
#footer a, #footer a:visited{
	color:#2453bd;
	text-decoration:none;
	}

#footer a:hover{
	color:#ff0000;
	}
	
div#webweaver{
	width:960px;
	margin:5px auto;
	clear:both;
	color:#666666;
	padding:4px 0 4px 0;
	font-size:80%;
	}
	
#webweaver a, #webweaver a:visited{
	color:#999999;
	text-decoration:none;
}

#webweaver a:hover{
	color:#f8c300;
	text-decoration:none;
}