* { padding: 0; margin: 0; }

body {
 font-family: Arial, Helvetica, sans-serif;
 font-size: 13px;
background: #f4edc0;

}
.wrap { 
 margin: 0 auto;
 width: 800px;

}


#headerbg {
 color: #333;
 width: 100%;
 float: left;
 padding: 0px;
 height: 140px;
 margin: 0px 0px 0px 0px;
background-image: url(../images/headerbg.gif);
background-position:top;
background-repeat: repeat-x;
 
}

#header {
 color: #333;
 width: 800px;
 float: left;
 padding: 0px;
 height: 140px;
 margin: 0px 0px 0px 0px;
}



#mainbg {
 color: #333;
 width: 100%;
 float: left;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
background-image: url(../images/mainbg.gif);
background-position:top;
background-repeat: repeat-x;
}

#mainbgsub {
 color: #333;
 width: 100%;
 float: left;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
background-image: url(../images/mainbgsub.gif);
background-position:top;
background-repeat: repeat-x;
}

#banner {
 color: #333;
 width: 567px;
 float: left;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
}

#bannersub {
 color: #333;
 width: 567px;
 float: left;
 padding: 0px;
 height: 100px;
 margin: 0px 0px 0px 0px;
}


#menu {
 width: 800px;
 float: left;
 padding: 0px;
 height: 44px;
 margin: 0px 0px 0px 0px;
 background: #ffffff;
}

#leftcol {
 color: #333;
 width: 567px;
 float: left;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;

}










#contentwrap {
 color: #333;
 width: 800px;
 float: left;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
   background: #fffffd;
}

#leftcol #content{
 color: #333;
 width: 547px;
 float: left;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
 padding: 5px 10px 10px 8px;

}

.box {
 color: #333;
 width: 550px;
 float: left;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
 padding: 10px 0px 10px 0px;
background: #eeeded;
}


.box p{
font-spacing: 15pt;
text-align:left;
font-family: verdana;
font-size: 12px;
color: #000000;
margin:0px 0px 10px 0px;
padding: 0px 10px 0px 10px;
line-height: 18px;
letter-spacing: 0pt
}

.box a{ 
text-decoration: underline;
font-family: verdana;
font-size: 12px;
color: #790f1b;
margin:0px 0px 0px 0px;
 }
 
.box a:hover{ 
text-decoration: none;
font-family: verdana;
font-size: 12px;
color: #000000;
margin:0px 0px 0px 0px;
 }

#rightcol {
 color: #333;
 width: 232px;
 float: right;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
 background: #ffffff;
}

#rightcol #form{
 color: #333;
 width: 232px;
 float: right;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
 background: #e8e8e8;
}


#rightcol #faqs{
 color: #333;
 width: 232px;
 float: right;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
  padding: 0px 0px 10px 0px;
 background: #e8e8e8;
}

#rightcol #faqs #list{
 color: #333;
 width: 222px;
 float: right;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
  padding: 0px 10px 0px 0px;
 background: #e8e8e8;
}

ul {
	list-style: none;
	margin: 0;
	padding: 0;
	}

	
	
	
#rightcol #faqs ul { 
list-style-type:none;
}


#rightcol #faqs li  {
padding-left:20px;
background:transparent url(../images/bullet1.gif) no-repeat;
background-position:8px 8px;
}

#rightcol #faqs p{
text-align:left;
font-family: verdana;
font-size: 10px;
color: #ffffff;
margin:0px 0px 0px 0px;
padding: 0px 0px 0px 0px;
line-height: 22px;
letter-spacing: 0pt
}

#rightcol #faqs a{ 
text-decoration: none;
font-family: verdana;
font-size: 10px;
color: #000000;
margin:0px 0px 0px 0px;
 }
 
#rightcol #faqs a:hover{ 
text-decoration: underline;
font-family: verdana;
font-size: 10px;
color: #000000;
margin:0px 0px 0px 0px;
 }

	
ul  {
list-style-type:none;
}


li  {
padding-left:45px;
background:transparent url(../images/bullet1.gif) no-repeat;
background-position:36px 6px;
}












#footerbg {
 color: #333;
 width: 100%;
 float: left;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
background: #5b0a12 url(../images/footerbg.gif);
background-position:top;
background-repeat: repeat-x;
 
}

#footer {
 color: #333;
 width: 800px;
 float: left;
 padding: 0px;
 height: auto;
 margin: 0px 0px 0px 0px;
  padding: 5px 0px 20px 0px;
}

.footsmall{
font-spacing: 13pt;
text-align:center;
font-family: verdana;
font-size: 10px;
color: #ffffff;
margin:0px 0px 0px 0px;
padding: 0px 0px 0px 0px;
line-height: 14px;
letter-spacing: 0pt
}

#footer p{
font-spacing: 15pt;
text-align:center;
font-family: verdana;
font-size: 10px;
color: #ffffff;
margin:0px 0px 10px 0px;
padding: 0px 0px 0px 0px;
line-height: 18px;
letter-spacing: 0pt
}

#footer a{ 
text-decoration: underline;
font-family: verdana;
font-size: 12px;
color: #FFFFFF;
margin:0px 0px 0px 0px;
 }
 
#footer a:hover{ 
text-decoration: none;
font-family: verdana;
font-size: 12px;
color: #FFFFFF;
margin:0px 0px 0px 0px;
 }





/* menu */

a#home {
width:108px;
height:44px;
background-image:url(../images/home.gif);
display:block;
text-decoration:none;
float:left;
}

a#home:hover {
background-position:108px 0;
}

a#profile {
width:110px;
height:44px;
background-image:url(../images/profile.gif);
display:block;
text-decoration:none;
float:left;
}

a#profile:hover {
background-position:110px 0;
}

a#started {
width:212px;
height:44px;
background-image:url(../images/started.gif);
display:block;
text-decoration:none;
float:left;
}

a#started:hover {
background-position:212px 0;
}

a#fees {
width:200px;
height:44px;
background-image:url(../images/fees.gif);
display:block;
text-decoration:none;
float:left;
}

a#fees:hover {
background-position:200px 0;
}


a#contact {
width:170px;
height:44px;
background-image:url(../images/contact.gif);
display:block;
text-decoration:none;
float:left;
}

a#contact:hover {
background-position:170px 0;
}





/* stuff */



	
	img.floatright { 
    float: right; 
    margin: 10px 10px 10px 15px; 
}

img.floatleft { 
    float: left; 
    margin: 10px 15px 10px 10px; 
}


h1  {
margin:0px 10px 5px 10px;
text-align:left;
position:relative;
color:#000000;
font-family: arial;
font-size: 1.6em;
}

h2  {
margin:10px 10px 0px 10px;
text-align:left;
position:relative;
color:#790F1B;
font-family: arial;
font-size: 1.4em;
}

h3  {
margin:10px 10px 0px 10px;
text-align:left;
position:relative;
color:#790F1B;
font-family: arial;
font-size: 1.2em;
}


.content_box p{
font-family: verdana;
font-size: 12px;
color: #000000;
margin:10px 0px 0px 0px;
padding: 0px 0px 0px 0px;
line-height: 13pt;
}




img.floatright { 
    float: right; 
    margin: 10px 10px 10px 15px; 
}

img.floatleft { 
    float: left; 
    margin: 10px 15px 10px 10px; 
}


#contentbox a{ 
text-decoration: underline;
font-family: arial;
font-size: 12px;
color: #105886;
margin:0px 0px 0px 0px;
 }
 
#contentbox a:hover{ 
text-decoration: none;
font-family: arial;
font-size: 12px;
color: #000000;
margin:0px 0px 0px 0px;
 }
 
 
  ul.list1 {



    list-style-type:none;
}
li.list1  {
    padding-left:45px;
    background:transparent url(../images/bullet.gif) no-repeat;
    background-position:25px 1px;
}