body {margin : 0px; background-color: White;  margin-top: 10px;  }
body,td,tr,p {font-family: Verdana, Geneva, Arial, Helvetica, sans-serif; font-size : 11px; color : #333333}

/* backgrounds */
.bg01 {	background-color: #ffffff;}
.bg02 {	background-color: #0038A5;}
.bg03 {	background-color: #FFD251;}
.bg04 {	background-color: #5D89CC;}
.bg05 {	background-color: #C2D2EF;}
.bg06 {	background-color: #E1E9F2;}
.bg07 {background-color: #C2D2EF;  background-image: url(../index_files/bg_nav.gif);  background-position: bottom;  background-repeat: repeat-x;   }
.bg08 {background-color: White;  background-image: url(../index_files/bg_nav02.gif);  background-position: top;  background-repeat: repeat-x;   }

/* links */
a:active, a:link,a:visited, a	{text-decoration: underline; color: #565235}
a:hover					{text-decoration: none;}
.link01, a.link01:active, a.link01:link, a.link01:visited	{text-decoration: none; color: #565235; font-weight:bold; }
a.link01:hover			{text-decoration: underline;}
.navLeft, a.navLeft:active, a.navLeft:link, a.navLeft:visited	{text-decoration: none; color: #0038A5; font-weight:bold;}
a.navLeft:hover			{text-decoration: underline;}
.navLeftSel, a.navLeftSel:active, a.navLeftSel:link, a.navLeftSel:visited	{text-decoration: none; color: #0038A5; font-weight:normal;}
a.navLeftSel:hover			{text-decoration: none; font-weight : bold;}
.link02, a.link02:active, a.link02:link, a.link02:visited	{text-decoration: none; color: #0038A5;}
a.link02:hover			{text-decoration: underline;}
.link03, a.link03:active, a.link03:link, a.link03:visited	{text-decoration: none; color: #788FB9; font-weight : bold;}
a.link03:hover			{text-decoration: none; color: #0038A5}
.link04, a.link04:active, a.link04:link, a.link04:visited	{text-decoration: none; color: #0038A5; font-weight : bold; font-size : 11px}
a.link04:hover			{text-decoration: none; color: #788FB9;}
.link05, a.link05:active, a.link05:link, a.link05:visited	{text-decoration: underline; color: #999999; font-weight : normal; font-size : 9px}
a.link05:hover			{text-decoration: underline; color: #999999;}


/* text style */
.blue { color : #0038A5}
.grey2small { color : #333333; font-size : 9px}
.grey { color : #666666}
.grey2 { color : #333333}
.white { color : #ffffff}
.title01 {	color : #0038A5; font-weight : bold; font-size : 11px}
.title02 {	color : #999999; font-weight : bold; font-size : 14px; padding-top:8px; padding-bottom:8px}
.title03 {	color : #003399; font-weight : bold; font-size : 18px; padding-bottom:8px}
.title04 {	color : #333333; font-weight : bold; font-size : 13px; padding-top:8px; padding-bottom:8px}
.title05 {	color : #003399; font-weight : bold; font-size : 13px; padding-top:8px; padding-bottom:8px}
.verd14 {	color : #333333; font-size : 12px;}

/* spec */
.navPad {padding-top: 5px;  padding-bottom: 6px;  padding-left: 8px; }  
.navPadlight {padding-top: 3px;  padding-bottom: 1px;  padding-left: 8px; background-color : #E1E9F8;}  
/* forms */
.form01,select { border: 1px solid #949279;  background-color: #ffffff; color : black;  font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;  font-size: 10px;  height: 17px; padding-left : 5px; padding-top : 2px}
form {	margin : 0px;}