html, body {
 margin-top: 0;
 margin-left: 20;
 margin-right: 0;
 background-image: url('/images/bkgd.gif');
 }

.body {
 font-family: arial;
 font-size: 12px;
 font-weight: normal;
 color: #444444;
 line-height: 18px;
 }

.body a{
 text-decoration: underline;
 color: #223377;
 }

.body a:hover {
 text-decoration: underline;
 color: #223377;
 }

.body a:visited {
 text-decoration: underline;
 }

.footer, .footer a, .footer a:visited {
 font-family: arial;
 font-size: 10px;
 font-weight: bold;
 color: #999;
 text-decoration: none;
 }

.footer a:hover {
 text-decoration: underline;
 }


 .headline {
 font-family: Georgia, Times New Roman;
 font-size: 18px;
 font-weight: bold;
 color: #871919;
 }

 .subheadline {
 font-family: Georgia, Times New Roman;
 font-size: 14px;
 font-weight: bold;
 color: #871919;
 }


.submenu {
 font-family: arial;
 font-size: 10px;
 font-weight: normal;
 color: #871919;
 line-height: 18px;
 text-transform: uppercase;
 }

.submenu a{
 text-decoration: none;
 color: #871919;
 }

.submenu a:hover {
 text-decoration: none;
 color: #871919;
 }

.submenu a:visited {
 }