body 			{margin-top: 0px; 
				background-image:url(../images/index_r1_c1.jpg); 
				background-repeat: repeat-x; 
				background-color: #ffffff;
				padding: 0;}



/* default text */	
			
body,td,th 			{
				font-family: Verdana, Arial, Helvetica, sans-serif; 
				font-size: 12px; 
				color: #000; 
				line-height: 12pt;
				} 

h1 				{
				font-family: Calibri, Trebuchet MS, Trebuchet, Helvetica, Arial, sans-serif; 
				font-size: 14px; 
				font-style: normal; 
				font-weight: bold; 
				color: #000; 
				text-indent: 8pt;
				}

h2 				{
				font-family: Calibri, Trebuchet MS, Trebuchet, Helvetica, Arial, sans-serif; 
				font-size: 14px; 
				font-weight: bold; 
				color: #000;
				} 


/* content text */

.text10pt 		{
				font-family: Verdana, Arial, Helvetica, sans-serif; 
				font-size: 10px; 
				font-style: normal; 
				font-weight: normal; 
				color: #000; 
				line-height: 10pt;
				}	
.text11pt 		{
				font-family: Verdana, Arial, Helvetica, sans-serif; 
				font-size: 11px; 
				font-style: normal; 
				font-weight: normal; 
				color: #000; 
				line-height: 11pt;
				}		
.text12pt		{
				font-family: Verdana, Arial, Helvetica, sans-serif; 
				font-size: 12px; 
				font-style: normal; 
				font-weight: normal; 
				color: #000; 
				line-height: 12pt;
				}

.index-test		{
				font-family: Verdana, Arial, Helvetica, sans-serif; 
				font-size: 11px; 
				font-style: normal; 
				font-weight: normal; 
				color: #ffffff; 
				line-height: 11pt;
				}
.benefits 		{
				font-family: Arial, Verdana, Helvetica, sans-serif; 
				font-size: 10px; 
				font-style: normal; 
				font-weight: normal; 
				color: #000; 
				line-height: 10pt;
				}
.text-spaced	{
				font-family: Times New Roman, Times, Georgia, serif; 
				font-size:36px; 
				letter-spacing: -1px; 
				font-weight: normal; 
				color: #000; 
				line-height: 24pt;
				}				
	


.serif			{
				font-family: Georgia, Times New Roman, Time, serif; 
				font-size: 14px; 
				font-style: normal; 
				font-weight: normal; 
				color: #000; 
				line-height: 14pt;
				}
.serif-quotes	{
				font-family: Georgia, Times New Roman, Time, serif; 
				font-size: 18px; 
				font-style: normal; 
				font-weight: normal; 
				color: #000; 
				line-height: 14pt;
				}

.title 			{
				font-family: Verdana, Arial, Helvetica, sans-serif; 
				font-size: 14px; 
				font-style: normal; 
				font-weight: bold; 
				color: #2b5877; 
				line-height: 14pt;
				}
.title2 		{
				font-family: Verdana, Arial, Helvetica, sans-serif; 
				font-size: 14px; 
				font-style: normal; 
				font-weight: bold; 
				color: #808e13; 
				line-height: 14pt;
				}
.title3 		{
				font-family: Verdana, Arial, Helvetica, sans-serif; 
				font-size: 14px; 
				font-style: normal; 
				font-weight: bold; 
				color: #000000; 
				line-height: 14pt;
				}
.title4			{
				font-family: Times New Roman, Times, Georgia, serif; 
				font-size:16px; 
				letter-spacing: 10px; 
				font-weight: bold; 
				color: #666666; 
				line-height: 24pt;
				}
.form			{
				font-family: Verdana, Arial, Helvetica, sans-serif; 
				font-size: 11px; 
				font-style: normal; 
				font-weight: normal; 
				color: #000; 
				line-height: 11pt;
				}				
.firstletter	{
				float: left; width:.7em; 
				font-size:36px; 
				font-family: Georgia, Times New Roman, Times, serif; 
				color: #000000; 
				line-height:20pt;
				}


/* Default Links */

a:link 				{text-decoration: none; color: #2c7d75;}				/* unvisited link */
a:visited 			{text-decoration: none; color: #666666;}				/* visited link */		
a:hover 			{text-decoration: underline; color: #2c7d75;}			/* mouse over link */
a:active 			{text-decoration: none; color: #2c7d75;}				/* selected link */	


/* Other Link Styles */

a.nav2:link 		{text-decoration: none; color: #2c7d75;}				/* unvisited link */
a.nav2:visited 		{text-decoration: none; color: #679994;}				/* visited link */		
a.nav2:hover 		{text-decoration: underline; color: #990000;}			/* mouse over link */
a.nav2:active 		{text-decoration: none; color: #679994;}				/* selected link */	

a.nav-header:link 		{text-decoration: none; color: #ffffff;}			/* unvisited link */
a.nav_header:visited 		{text-decoration: none; color: #ffffff;}			/* visited link */	
a.nav_header:hover 		{text-decoration: underline; color: #ffffff;}		/* mouse over link */
a.nav_header:active 		{text-decoration: none; color: #ffffff;}			/* selected link */	

a.nav_footer_main:link 		{text-decoration: none; color: #000000;}			/* unvisited link */
a.nav_footer_main:visited 	{text-decoration: none; color: #000000;}			/* visited link */	
a.nav_footer_main:hover 		{text-decoration: none; color: #2c7d75}				/* mouse over link */
a.nav_footer_main:active 		{text-decoration: none; color: #000000;}			/* selected link */	

a.nav_footer_sub:link 		{text-decoration: none; color: #666666;}			/* unvisited link */
a.nav_footer_sub:visited 		{text-decoration: none; color: #666666;}			/* visited link */	
a.nav_footer_sub:hover 		{text-decoration: underline; color: #2c7d75;}				/* mouse over link */
a.nav_footer_sub:active 		{text-decoration: none; color: #666666;}			/* selected link */