body {

	margin-top:5px;
	margin-left:0px;
	margin-right:0px;
	margin-bottom:5px;
	margin-height:0px;
	margin-width:0px;
	FONT-FAMILY:arial,verdana,helvetica;
	FONT-SIZE: 12px;
	COLOR: #51514d;
	TEXT-DECORATION: none;
	BACKGROUND-IMAGE: url(images/pg-bg.gif);
}
    

form
{
margin:0px;
}
a:link,a:visited,a:hover
{
color:#990000;
text-decoration:none;
}
# cl2
{
clear:both;
text-align:center;
width:780px;
}
.col-1
{
background-color:#FFFFFF;
}

.col-2
{
background-color:#51514d;
}

.l-bg

{
	BACKGROUND-ALIGN:LEFT;
	BACKGROUND-POSITION: TOP;
	BACKGROUND-REPEAT: repeat-Y;
	BACKGROUND-IMAGE: url(images/l.gif);
	width:15px;
}
.r-bg

{
	BACKGROUND-ALIGN:LEFT;
	BACKGROUND-POSITION: TOP;
	BACKGROUND-REPEAT: repeat-Y;
	BACKGROUND-IMAGE: url(images/r.gif);
	width:15px;
}
.t-bg

{
	BACKGROUND-ALIGN:LEFT;
	BACKGROUND-POSITION: TOP;
	BACKGROUND-REPEAT: repeat-X;
	BACKGROUND-IMAGE: url(images/tb.gif);
	background-color:#FFFFFF;
}
.b-bg

{
	BACKGROUND-ALIGN:LEFT;
	BACKGROUND-POSITION: bottom;
	BACKGROUND-REPEAT: repeat-X;
	BACKGROUND-IMAGE: url(images/bb.gif);
	background-color:#FFFFFF;
}


.menu-bg

{
	BACKGROUND-ALIGN:LEFT;
	BACKGROUND-POSITION: TOP;
	BACKGROUND-REPEAT: repeat-X;
	BACKGROUND-IMAGE: url(images/menu-bg.gif);
	background-color:#FFFFFF;
}

A.top-link-1:visited,top-link-1:link
{
	BACKGROUND-ALIGN:LEFT;
	BACKGROUND-POSITION: TOP;
	BACKGROUND-REPEAT: repeat-X;
	BACKGROUND-IMAGE: url(images/menu-bg.gif);
	FONT-FAMILY:arial,verdana,helvetica;
	FONT-SIZE: 12px;
	FONT-WEIGHT: normal;
	COLOR: #51514d;
	TEXT-DECORATION: none;
}
A.top-link-1:hover
{

	TEXT-DECORATION: Underline;
}

A.top-link-1:link
{
	BACKGROUND-ALIGN:LEFT;
	BACKGROUND-POSITION: TOP;
	BACKGROUND-REPEAT: repeat-X;
	BACKGROUND-IMAGE: url(images/menu-bg.gif);
	FONT-FAMILY:arial,verdana,helvetica;
	FONT-SIZE: 12px;
	FONT-WEIGHT: normal;
	COLOR: #51514d;
	TEXT-DECORATION: none;
}
.text-1
{
	FONT-FAMILY:arial,verdana,helvetica;
	FONT-SIZE: 12px;
	COLOR: #51514d;
	TEXT-DECORATION: none;
	text-align:justify;
}
.pts-hd	 
{
	background-color:#ecece8;
	FONT-FAMILY:arial,verdana,helvetica;
	FONT-SIZE: 12px;
	font-weight:bold;
	COLOR: #51514d;
	TEXT-DECORATION: none;
	padding:2px 0px 2px 10px;
}
.pts-1 
{
	list-style:disc
	FONT-FAMILY:arial,verdana,helvetica;
	FONT-SIZE: 12px;	
	COLOR: #51514d;
	TEXT-DECORATION: none;
	margin-left:25px;
	padding-top:10px;
}

.pts-2
{
	FONT-FAMILY:arial,verdana,helvetica;
	FONT-SIZE: 12px;	
	COLOR: #51514d;
	TEXT-DECORATION: none;
	padding:10px;
}

.copy
{
	FONT-FAMILY:arial,verdana,helvetica;
	FONT-SIZE: 10px;
	FONT-WEIGHT: normal;
	COLOR: #51514d;
	TEXT-DECORATION: none;
}