body {font-size:12px;font-family:Arial,Verdana,Sans-Serif;background:#fff;color:#333;text-align:center;margin:0;padding:0;}
#page {background:#fff url(images/shadbg.gif) left repeat-y;margin:0 auto;padding:0;width:950px;text-align:left;}
#pagePad {padding:3px 18px 0;}
#header { background:url(images/logobg.jpg) top repeat-x; margin:0 auto; padding:0;}
#footer {background: url(images/footerbg.gif) top repeat-x;border:none;padding:0;margin:0; font-size:11px;}
#footer p.links {margin:0;padding:12px;text-align:right; color:#fff; float:right; background:transparent;}
#footer p.links a {color:#7F8080; text-decoration:none;}
#footer p.links a:hover {text-decoration:underline;}
#footer p.copyright {margin:0;padding:12px;text-align:center; color:#7F8080; float:left; background:transparent;}
#footer p.copyright a {color:#7F8080;}
#footGads {margin:0 auto; padding:10px 0;background:#438FC3; text-align:center;}
.clear {clear:both;}
.mainDiv{padding:15px 15px 15px 30px;margin:5px auto 0; background:url(images/midbg.gif) top repeat-x; color:#737373; text-align:left; line-height:140%;}
.learnmorebg {padding:1px 10px 1px 70px; text-align:left;}
h1 {font-size:24px;padding:60px 0 0 20px;margin:0 0 8px;line-height:120%;color:#015AA2; font-weight:normal;}
h2 {font-size:13px;padding:15px 0 0 20px;margin:5px 0;line-height:130%;color:#3F3F3E;}
h3 {font-size:24px;padding:3px 0;margin:0 0 10px 0;line-height:110%;color:#0262B1; font-weight:normal;}
h4 {font-size:16px;padding:0;margin:5px 0;line-height:100%;color:#3F3F3E;}
a {text-decoration:underline; color:#0162B1;}
a:hover {text-decoration:none; color:#0162B1;}
.boldTxt {font-weight:bold;}
ul.bullet {padding:15px 0 20px 10px; margin:0; list-style:none; float:left; width:600px;}
ul.bullet li {padding:5px 0 5px 18px; margin:0; list-style:none; background:url(images/bullet.gif) left top no-repeat; font-weight:bold; color:#4189C5; line-height:110%;}
.logoBg {float:left; width:352px; height:397px;}