* { margin:0; padding:0; }

body
{
font-family:Verdana, Arial, Helvetica, sans-serif;
  font-size: 10px;
  text-align:left;
  background-color:#14405e;
  color:#000000;
  background-image:url(imgs/bg.gif);
  background-position:center;
  background-repeat:repeat-y;
}

a:link, a:visited, a:active {
	text-decoration: underline;
	color: #000;
}

a:hover {
	color: #000;
	text-decoration:underline;
}

.wrapper {
background-color:#FFFFFF;
}

.titlebg
{
background-image:url(imgs/logobg.gif);}

.title
{
font-family:Arial, Helvetica, sans-serif;
font-size:18px;
color:#000000;
font-weight:bold;
padding:10px;
}

.subtitle
{
font-family:Arial, Helvetica, sans-serif;
font-size:16px;
color:#000000;
font-weight:bold;
padding:10px;
}

.imgpad
{
padding:10px;
}


.text
{
font-family:Arial, Helvetica, sans-serif;
font-size:14px;
color:#000000;
text-align:justify;
padding:10px;
list-style-position:inside;

}

.footer {
border-top:#00c3f0 solid 6px;
}