body {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 11px;
	font-weight: normal;
	color: #3C3C3C;
	text-decoration: none;
	background-color: #415473;
}
/* TEXT STYLES -------------------------- */
.txt-top-2 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 11px;
	font-weight: normal;
	color: #1A1C20;
	text-decoration: none;
}
	.txt-top-2 a {
		font-weight: normal;
		color: #1A1C20;
		text-decoration: none;
	}
	.txt-top-2 a:hover {
		font-weight: normal;
		color: #3F5271;
		text-decoration: underline;
	}
.txt-footer-1 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 11px;
	font-weight: bold;
	color: #1A1C20;
	text-decoration: none;
}
	.txt-footer-1 a {
		font-weight: bold;
		color: #1A1C20;
		text-decoration: none;
	}
	.txt-footer-1 a:hover {
		font-weight: bold;
		color: #3F5271;
		text-decoration: underline;
	}
.txt-footer-2 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 11px;
	font-weight: normal;
	color: #ffffff;
	text-decoration: none;
}
	.txt-footer-2 a {
		font-weight: normal;
		color: #ffffff;
		text-decoration: none;
	}
	.txt-footer-2 a:hover {
		font-weight: normal;
		color: #ffffff;
		text-decoration: underline;
	}

h1 {
	font-family: "Times New Roman", Times, serif;
	font-size: 19px;
	color: #3F5271;
	text-decoration: none;
	margin-top: 0px;
}
h2 {
	font-family: "Times New Roman", Times, serif;
	font-size: 15px;
	color: #3F5271;
	text-decoration: none;
}
h3 {
	font-family: "Times New Roman", Times, serif;
	font-size: 13px;
	color: #3F5271;
	text-decoration: none;
}
h4 {
	font-family: "Times New Roman", Times, serif;
	font-size: 28px;
	color: #FFFFFF;
	text-decoration: none;
	margin-top: 10px;
        margin-left: 10px;
}
h5 {
	font-family: "Times New Roman", Times, serif;
	font-size: 16px;
	color: #FFFFFF;
	text-decoration: none;
	margin-top: 0px;
}
h6 {
	font-family: "Times New Roman", Times, serif;
	font-size: 12px;
	color: #FFFFFF;
	text-decoration: none;
}
h7 {
	font-family: "Times New Roman", Times, serif;
	font-size: 20px;
	color: #FFFFFF;
	text-decoration: none;
	margin-top: 0px;
}


/* MAIN STYLES ------------------------ */
#main {
	border: 1px solid #ffffff;
}
#top {
	text-align: left;
	vertical-align: top;
	width: 960px;
	height: 62px;
	background-image: url(images/bg_top_1.gif);
	background-repeat: repeat-x;
	border-bottom: 1px solid #ffffff;
}
#top-2 {
	text-align: left;
	vertical-align: top;
	width: 960px;
}
#top-2-container {
	text-align: left;
	vertical-align: top;
	width: 960px;
	height: 30px;
	padding: 14px 0px 0px 25px;
	background-image: url(images/bg_top_2.gif);
	background-repeat: repeat-x;
	border-bottom: 1px solid #ffffff;
}
#header {
	text-align: left;
	vertical-align: top;
	width: 960px;
	height: 204px;
	border-bottom: 1px solid #ffffff;
}
	#header img {
		float: left;
	}
#header-container {
	float: left;
	border-right: 1px solid #ffffff;
}
/* NAVIGATION ------------------------------------- */
#nav {
	float: left;
	text-align: left;
	vertical-align: top;
	width: 220px;
	height: 204px;
}
#description {
	float: left;
	text-align: left;
	margin-left: 10px;
	vertical-align: top;
	width: 520px;
	height: 204px;
}
	#nav-filler-top {
		width: 320px;
		height: 15px;
		background-color: #3B4E6C;
	}
	#nav-filler-bottom {
		width: 320px;
		height: 15px;
		background-color: #3B4E6C;
	}
	#desc-filler-top {
		width: 220px;
		height: 15px;
		background-color: #3B4E6C;
	}
	#desc-filler-bottom {
		width: 220px;
		height: 15px;
		background-color: #3B4E6C;
	}
	.nav-item a {
		display: block;
		text-align: left;
		/*margin-left: 20px;*/
		vertical-align: top;
		width: 195px;
		height: 21px;
		padding: 8px 25px 0px 0px;
		background-color: #3B4E6C;
		
		font-family: Arial, Helvetica, sans-serif;
		font-size: 11px;
		font-weight: normal;
		color: #D8DCE2;
		text-decoration: none;
		padding: 10px;
	}
	.nav-item a:hover {
		background-color: #4E6180;
		
		font-family: Arial, Helvetica, sans-serif;
		font-size: 11px;
		font-weight: normal;
		color: #D8DCE2;
		text-decoration: none;
		padding: 10px;
	}
/* LINE ----------------------------- */
#top-line {
	width: 760px;
	height: 8px;
	background-image: url(images/bg_line.gif);
	background-repeat: repeat-x;
	border-bottom: 1px solid #ffffff;
	font-size: 1px;
}
/* LEFT COLUMN -------------------------- */
#left-column {
	text-align: left;
	vertical-align: top;
	width: 199px;
	background-color: #BBC4D3;
	border-right: 1px solid #ffffff;
}
#ask-expert-body {
	text-align: left;
	vertical-align: top;
	width: 165px;
	padding: 10px 17px 10px 17px;
}
/* RIGHT COLUMN ---------------------- */
#right-column {
	text-align: left;
	vertical-align: top;
	width: 720px;
}
#right-column-container {
	text-align: left;
	vertical-align: top;
	width: 721px;
	background-color: #D7DCE4;
	padding: 20px 20px 20px 20px;
}
/* FOOTER STYLES -------------------- */
#footer-1 {
	text-align: center;
	vertical-align: top;
	width: 760px;
}
#footer-1-container {
	text-align: center;
	vertical-align: top;
	width: 981px;
	height: 29px;
	padding: 15px 0px 0px 0px;
	background-image: url(images/bg_footer_1.gif);
	background-repeat: repeat-x;
	border-top: 1px solid #ffffff;
}
#footer-2 {
	text-align: left;
	vertical-align: top;
	width: 960px;
	height: 56px;
	background-image: url(images/bg_footer_2.gif);
	background-repeat: repeat-x;
}
#footer-2-left {
	float: left;
	text-align: left;
	vertical-align: top;
	width: 365px;
	margin: 13px 0px 0px 15px;
}
#footer-2-right {
	float: right;
	text-align: right;
	vertical-align: top;
	width: 260px;
	margin: 13px 15px 0px 0px;
}