html, body {margin: 0; padding: 0; background:#e9e9e9; }

A:link {color:#012246; font-size:10px; font-family: verdana, helvetica, sans-serif; text-decoration: none; font-weight: normal}
A:visited {color:#012246; font-size:10px; font-family: verdana, helvetica, sans-serif; text-decoration: none; font-weight: normal}
A:active {color:#012246; font-size:10px; font-family: verdana, helvetica, sans-serif; text-decoration: none;  font-weight: normal}
A:hover {color:#281A45; font-size:10px; font-family: verdana, helvetica, sans-serif; text-decoration: underline;  font-weight: normal}

A.nav:link,A.nav:visited{color: #ffffff;font-size:11px;font-weight: bold;font-family: verdana, helvetica, sans-serif;}
A.nav:hover, A.nav:active{color: #ffffff;font-size:11px;font-weight: bold;font-family: verdana, helvetica, sans-serif;}

A.navB:link,A.navB:visited{color: #ffffff;font-size:10px;font-weight: none;font-family: verdana, helvetica, sans-serif;}
A.navB:hover, A.navB:active{color: #ffffff;font-size:10px;font-weight: none;font-family: verdana, helvetica, sans-serif;}

A.footer:link,A.footer:visited{color: #4d4d4d;font-size:10px;font-weight: none;font-family: verdana, helvetica, sans-serif;}
A.footer:hover, A.footer:active{color: #4d4d4d;font-size:10px;font-weight: none;font-family: verdana, helvetica, sans-serif;}

.text {color: #4d4d4d; font-size: 10px; font-family: verdana, helvetica, sans-serif; text-decoration: none}
.textor {text-transform: uppercase; font-weight: bold; color: #4d4d4d; font-size: 11px; font-family: verdana, helvetica, sans-serif; text-decoration: none}
.textSml {color: #4d4d4d; font-size: 9px; font-family: verdana, helvetica, sans-serif; text-decoration: none}
.textLrg {color: #4d4d4d; font-size: 11px; font-family: verdana, helvetica, sans-serif; text-decoration: none}
.red {color: #012246; font-size: 11px; font-family: verdana, helvetica, sans-serif; text-decoration: none; font-weight:bold}
.redSml {color: #012246; font-size: 10px; font-family: verdana, helvetica, sans-serif; text-decoration: none; font-weight:normal}
.redLight {color: #78ACE6; font-size: 11px; font-family: verdana, helvetica, sans-serif; text-decoration: none; font-weight:bold}
.redLightSml {color: #78ACE6; font-size: 10px; font-family: verdana, helvetica, sans-serif; text-decoration: none; font-weight:bold}
.blue {color: #456B89; font-size: 11px; font-family: verdana, helvetica, sans-serif; text-decoration: none; font-weight:bold}
.white {color: #ffffff; font-size: 10px; font-family: verdana, helvetica, sans-serif; text-decoration: none}
.white a, .white a:active, .white a:visited { 
	font-size: 10px; font-weight:bold;
  	text-decoration:none; color:#ffffff;}
.white a:hover {color:#ffffff; text-decoration:underline;font-weight:bold;}


.whiteNav {color: #ffffff; font-size: 11px; font-family: verdana, helvetica, sans-serif; text-decoration: none; font-weight:bold}
css:.bottom p{
    vertical-align : bottom
}

.copyright {color: #4d4d4d; font-size: 10px; font-family: verdana, helvetica, sans-serif; text-decoration: none; font-weight: normal}
.xsml {color: #4d4d4d; font-size: 7px; font-family: verdana, helvetica, sans-serif; text-decoration: none; font-weight: normal}
h1.standard {color: #012246; font-size: 11px; font-family: verdana, helvetica, sans-serif; font-weight:bold}
h2.standard {color: #78ACE6; font-size: 10px; font-family: verdana, helvetica, sans-serif; font-weight:bold}

.form {color: #4d4d4d; font-size: 10px; font-family: verdana, helvetica, sans-serif; text-decoration: none; background-color:#E3E3E3;}
.hand {cursor: hand; color: #4d4d4d; font-size: 10px; font-family: verdana, helvetica, sans-serif; text-decoration: none}
.buttons {color:#444444; font-size:10px; font-family:verdana, helvetica, sans-serif; text-decoration: none; font-weight:bold; border-width:1; border-color:#2a2a2a; background-color:#cccccc; cursor:hand  }

form {
        border: 0px;
        padding: 0px;
        margin: 0px;
        }