body {
	padding:0px;
	margin:0 0 0 92px;
	background: url(../images/structure/bg.gif) no-repeat #FFE786;
	font-size : 11px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #474C4E;
	line-height:15px;
	text-decoration:none;
		}
		
body a{
	font-size : 11px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #164F6C;
	line-height:15px;
		}
		
body#sub {
	padding:0px;
	margin:0 0 0 92px;
	background: url(../images/structure/bg.gif) no-repeat  #FFE786;
	background-position: -19px -43px;
		}
		
		
img{border:0px;}
	
#header {
	height:20px;
	width:800px;
	padding-top:10px;

}

#main {
	width:664px;
	margin:18px 0 35px 0;
}

#mainSub {
	width:664px;
	margin:0px 0 35px 0;
}
	
ul#mainNav {
	padding:0px;
	margin:0px;
}

ul#mainNav li {
	list-style-type: none;
	display:block;
	float:left;
	margin: 0;
	padding: 0 12px 0 0;
}

ul#mainNav li a {
	font-size : 10px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #154158;
	text-decoration:none;
}

ul#mainNav li a:hover {
	font-size : 10px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #c48b05;
	text-decoration:none;
}

ul#mainNav li span {
	font-size : 10px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #c48b05;
	text-decoration:none;
}

#hm_box1 {
	background: url(../images/hm_testimonials_bg.gif) no-repeat #154158;
}

#hm_box2 {
	background: url(../images/hm_join_bg.gif) no-repeat #154158;
}

#hm_box3 {
	background: url(../images/hm_benefits_bg.gif) no-repeat #154158;
}

#leftcol {
	background-color:#164F6C;
}

#leftcolPad {
	padding: 0 20px 0 19px;
}

#maincol {
	background-color:#FFFCD6;
	height:425px;
}

#maincolPad {
	padding: 30px 0px 40px 40px;
}

.maincolPadText {
	padding: 0 35px 0 0;
}

#footer {
	width:664px;
	height:34px;
	background: url(../images/footer.gif) no-repeat;
}

#footerPad {
	padding:0 20px 0 23px;
}

#privacyBG {
	background: url(../images/structure/privacybg.gif) no-repeat #FFFCD6;
}

#privacyPad {
	padding:25px 55px 40px 38px;
}

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

#askform input{
	font-size : 11px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #474C4E;
	text-decoration:none;
}

.askform1 {width:300px;	height:16px;}
.askform2 {width:275px;	height:16px;}
.askform3 {width:305px;	height:16px;}
.askform4 {width:160px;	height:16px;}
.askform5 {width:348px; height:95px; font-size : 11px; font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif; color: #474C4E; text-decoration:none;}

#joinform input{
	font-size : 11px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #474C4E;
	text-decoration:none;
}

.joinform1 {width:300px;	height:16px;}
.joinform2 {width:240px;	height:16px;}
.joinform3 {width:348px; height:95px; font-size : 11px; font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif; color: #474C4E; text-decoration:none;}


#proposeform input{
	font-size : 11px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #474C4E;
	text-decoration:none;
}

.proposeform1 {width:300px;	height:16px;}
.proposeform2 {width:275px;	height:16px;}
.proposeform3 {width:305px;	height:16px;}
.proposeform4 {width:140px;	height:16px;}
.proposeform5 {width:348px; height:95px; font-size : 11px; font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif; color: #474C4E; text-decoration:none;}

#submitform input{
	font-size : 11px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #474C4E;
	text-decoration:none;
}

.submitform1 {width:300px;	height:16px;}
.submitform2 {width:240px;	height:16px;}
.submitform3 {width:283px; height:95px; font-size : 11px; font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif; color: #474C4E; text-decoration:none;}



/* Text Styles */

a:hover {text-decoration:underline;}

.footerText {
	font-size : 11px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #F7EFC5;
	text-decoration:none;
}

.whiteText {
	font-size : 11px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #ffffff;
	line-height:13px;
	text-decoration:none;
}

.blueText {
	font-size : 11px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #164F6C;
	line-height:15px;
	text-decoration:none;
}

.blueBigHdr {
	font-size : 16px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #164F6C;
	line-height:18px;
	text-decoration:none;
	font-weight:bold;
}

.blueSubHdr {
	font-size : 13px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #164F6C;
	line-height:15px;
	text-decoration:none;
	font-weight:bold;
}



a.ul{
	text-decoration:underline;
}

.blueBig {
	font-size : 12px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #164F6C;
	line-height:15px;
	text-decoration:none;
}

.grayBig {
	font-size : 12px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #474C4E;
	line-height:15px;
	text-decoration:none;
}

.grayBig a{
	font-size : 12px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #164F6C;
	line-height:15px;
}

.grayBigLink {
	font-size : 12px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #474C4E;
	line-height:15px;
}

.darkText {
	font-size : 11px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #103143;
}

.yellowHdr {
	font-size : 16px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #D39607;
	text-decoration:none;
}

.yellowLink {
	font-size : 11px;
	font-family : Arial, Verdana, Geneva,  Helvetica, sans-serif;
	color: #D39607;
	line-height:15px;
}