body {margin-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; background-image: url(images/bkgrd.jpg);}
.text {font-family: Arial, Helvetica, sans-serif; color: #3A6E8F; font-size: 12px;}
.text A {font-family: Arial, Helvetica, sans-serif; color: #3A6E8F; text-decoration: underline; font-size: 12px;}
.text A:HOVER {font-family: Arial, Helvetica, sans-serif; color: #3A6E8F; text-decoration: none; font-size: 12px;}
.textbold {font-family: Arial, Helvetica, sans-serif; font-weight: bold; font-size: 12px; color: #3A6E8F;}
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.footer {font-family: Arial, Helvetica, sans-serif; color: #000000; font-size: 12px;}
.footer A {font-family: Arial, Helvetica, sans-serif; color: #000000; text-decoration: none; font-size: 12px;}
.footer A:HOVER {font-family: Arial, Helvetica, sans-serif; color: #000000; text-decoration: underline; font-size: 12px;}
.textbold14 {font-family: Arial, Helvetica, sans-serif; font-weight: bold; font-size: 14px; color: #3A6E8F;}
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.textitalic {font-family: Arial, Helvetica, sans-serif; color: #3A6E8F; font-size: 12px; font-style:italic;}
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.textbolditalic {font-family: Arial, Helvetica, sans-serif; color: #3A6E8F; font-size: 12px; font-weight: bold; font-style:italic;}
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.listtext {font-family: Arial, Helvetica, sans-serif; color: #000000; font-size: 10px;}
.listtext A {font-family: Arial, Helvetica, sans-serif; color: #000000; text-decoration: underline; font-size: 10px;}
.listtext A:HOVER {font-family: Arial, Helvetica, sans-serif; color: #000000; text-decoration: none; font-size: 10px;}