body 				{ margin: 0px; background-color: #FFFFFF; background-image:url(bg.jpg) }

A:link 				{  color: #012D6C; }
A:active 			{  color: #012D6C; }
A:visited 			{  color: #012D6C; }
A:hover 			{  color: #012D6C; }

.footer, .footer a:link, .footer a:active, .footer a:visited, .footer a:hover	{
	font-family:  Arial;
	font-size: 7pt;
	color: #FFFFFF;
	text-decoration: none;
}
.iias				{ font-family:  Arial; font-size: 7pt; color: #000000; }

p, td					{ font-family:  Arial; color: #4B4B4B; font-size: 12pt; }

li { list-style-type: none;
	background: url(bullet.jpg) no-repeat scroll 0 2px;
	padding-left: 20px;
	margin-left: -23px;
	margin-bottom: 8px;
}

.Headings		{
	font-family:  Verdana, Geneva, sans-serif;
	font-weight:bold;
	color: #000000;
	font-size: 16pt;
	margin:0;
	padding-left:30;
}

.SubHeadings		{
	font-family:  Verdana, Geneva, sans-serif; 
	color: #000000;
	font-size: 14pt;
	font-weight:bold;
	margin:0;
	padding-left:30;
}