BODY {font-family: arial, helvetica, verdana, sans-serif; background-color: #3B5389; 
         margin-top: 0px; margin-bottom: 0px;} 
  table {border-left: 1px solid #FFFFFF; border-right: 1px solid #FFFFFF;}
  p.address {font-size: 10pt; text-align: center; color: #FFFFFF; letter-spacing: 0.05em;  }
  p.body { margin-left: 12%; margin-right: 12%; font-size: 12pt; color: #FFFFFF;}
  p.body2 {font-size: 12pt; color: #333333; margin-left: 11%; margin-right: 7%}
  p.body3 {font-size: 12pt; color: #003366; margin-left: 9%; margin-right: 15%}
  p.body4 {font-size: 12pt; color: #FFFFFF; margin-left: 11%; margin-right: 10%}
  p.body5 {font-size: 12pt; color: #FFFFFF; margin-left: 4%; margin-right: 10%}
  p.bottom {font-size: 8pt; text-align: center; color: #000000 }
  p.client {font-size: 12pt; color: #FFFFFF; margin-left: 12%; margin-right: 12%}
  p.copyright {font-size: 9pt; color: #000000; font-weight: bold; text-align: center;}
  p.def { font-size: 9pt; color: #000000; margin-left: 10%; margin-right: 10%;}
  p.main { margin-left: 12%; margin-right: 12%; font-size: 12pt; color: #003366;}
  p.other {font-size: 12pt; color: #FFFFFF; margin-left: 22%; margin-right: 20%}
  p.rates {font-size: 12pt; color: #003366; margin-left: 15%; margin-right: 15%}
  p.ref {font-size: 12pt; font-weight: bold; text-align: center;}
  p.smclient {font-size: 12pt; color: #FFFFFF; margin-left: 1%; margin-right: 15%}
            
  h3 {color: #666699; margin-left: 7%;}
  h4 {margin-left: 35%;}
  h5 {margin-left: 15%;}	
   
  a:link {color: #333333; text-decoration: none;}        
  a:visited {color: #000000; text-decoration: none;} 
  a:hover {color: black; background-color: #CCCCCC; text-decoration: none;}   
  a:active {color: #999999; text-decoration: none;} 
  
  a:link.client {background-color: transparent; font-size: 11pt;} 
  a:visited.client {background-color: transparent; font-size: 11pt;} 
  a:hover.client {background-color: transparent; font-size: 11pt;}   
  a:active.client {background-color: transparent; font-size: 11pt;} 
  
  a:link.bottom {color: #FFFFFF; text-decoration: none; font-size: 10pt;}   
  a:visited.bottom {color: #FFFFFF; text-decoration: none; font-size: 10pt;} 
  a:hover.bottom {color:  #003366; background-color: #FFFFFF; 
           text-decoration: none; font-size: 10pt;}
  a:active.bottom {color: #FFFFFF; text-decoration: none; font-size: 10pt;}  
  
  a:link.inpage {color: #003366; text-decoration: none; font-size: 12pt;}   
  a:visited.inpage {color: #003399; text-decoration: none; font-size: 12pt;} 
  a:hover.inpage {color: #FFFFFF; background-color: #003366; 
           text-decoration: none; font-size: 12pt;}
  a:active.inpage {color: #003399; text-decoration: none; font-size: 12pt;}  
  
  
  a:link.list {color: #596F43; text-decoration: none; font-size: 10pt;}   
  a:visited.list {color: #000000; text-decoration: none; font-size: 10pt;} 
  a:hover.list {color: #333333; background-color: #CCCCCC; 
           text-decoration: none; font-size: 10pt;}
  a:active.list {color: #333333; text-decoration: none; font-size: 10pt;}  
  
  
  a:link.ad {color: #333333; text-decoration: none; font-size: 8pt;}   
  a:visited.ad {color: #000000; text-decoration: none; font-size: 8pt;} 
  a:hover.ad {color: #333333; background-color: #CCCCCC; 
           text-decoration: none; font-size: 8pt;}
  a:active.ad {color: #333333; text-decoration: none; font-size: 8pt;}  
    
  a:link.menu {color: #FFFFFF; text-decoration: none; font-weight: bold; font-size: 11pt;}   
  a:visited.menu {color: #FFFFFF; text-decoration: none; font-weight: bold; font-size: 11pt;} 
  a:hover.menu {color: #003366; background-color: #FFFFFF; text-decoration: none;  
                 font-weight: bold; font-size: 11pt;}
  a:active.menu {color: #666666; text-decoration: none; font-weight: bold; font-size: 11pt;}  
  
  img.client {border-style: none; padding: 0px 20px 0px 100px; background: transparent;}
  img.client2 {border-style: none; padding: 0px 20px 0px 120px; background: transparent;}
  img.hdr {border-style: none; background: transparent; float: left; margin-left: 8%;}
  img.logo {vertical-align: top;}
  img.noborder {border-style: none;}
  img.right {border-style: none; padding: 0px 0px 0px 5px;}
  ul.main {margin-left: 20%; margin-right: 10%; font-size: 12pt; color: #003366; list-style: disc;} 
  ul.why {margin-left: 20%; margin-right: 12%; font-size: 12pt; color: #003366; list-style: disc;} 
  td.main {background-color: #FFFFFF;}
  td.menu {color: #FFFFFF; background-color: #3B5389;}
  td.bottom {font-size: 10pt; color: #FFFFFF; text-align: center; background-color: #003366; 
             padding: 3px 0px 3px 0px;}
  table.main {background-color: #5483C4;}