/*ZERO OUT STYLES (CONSISTENT BENCHMARK) TO OVERRIDE DEFAULT STYLES - CSS*/
html, body, div, span, applet, object, iframe,
h1, h2, h3, h4, h5, h6, p, blockquote, pre,
a, abbr, acronym, address, big, cite, code,
del, dfn, em, font, img, ins, kbd, q, s, samp,
small, strike, strong, sub, sup, tt, var,
b, u, i, center,
dl, dt, dd, ol, ul, li,
fieldset, form, label, legend,
table, caption, tbody, tfoot, thead, tr, th, td {
	margin: 0;
	padding: 0;
	border: 0;
	outline: 0;
	font-size: 100%;
	vertical-align: baseline;
	background: transparent;
}
body {line-height: 1;}
ol, ul {list-style: none;}
blockquote, q {quotes: none;}

/* remember to define focus styles! */
:focus {outline: 0;}

/* remember to highlight inserts somehow! */
ins {text-decoration: none;}
del {text-decoration: line-through;}

/* tables still need 'cellspacing="0"' in the markup */
table {border-collapse: collapse;border-spacing: 0;}
.t-c { text-align: center; }
/*---------------------------------------------------*/

/*COLORS:

color:#343642; dk blue
color: #072B61; dk med blue
color:#0C479D; med blue
color:#0C479D; royal blue
color:#E6E9EF;light blue
color:#979C9C; grey

*/

/*---------------------------------------------------*/
/*---------------------------------------------------*/


/*---------------------------------------------------*/
/*GENERAL STYLES*/
/*---------------------------------------------------*/
body {
	font-family:Arial, Helvetica, sans-serif;
	font-size:75%;/* 75% of base size 16px is 12px */
	color:#000;
	line-height:150%; /* CLOSE TO 18PX LINE HEIGHT */
	margin:0 auto;
	padding:0;
	background-color:#343642;/*dk blue*/
	}

h1 {
	padding:0 0 30px 0;
	font-weight:normal;
	font-size:14px;
	line-height:20px;
	color:#072B61; /*dk med blue*/
	}

h2 {	
	font-weight:normal;
	font-size:14px;
	color:#072B61; /*dk med blue*/
	}

h3 {
	font-weight:normal;
	font-size:14px;
	color:#000;
	}

h3 span {	
	color:#979C9C;/*grey*/
	}
	
h4 {	
	font-size:12px;
	color:#0C479D;/*med blue*/
	}

p {
	padding:0 0 30px 0;
	font-weight:normal;
	font-size:100%;
	line-height:20px;
	color:#000;
	}

#container {
	margin:0 auto;
	width:945px;
	}
	
/*---------------------------------------------------*/
/*HEADER*/
/*---------------------------------------------------*/

#header {	
	margin:0 0 0 252px;
	background: no-repeat 0 0;
	/*background:url(../images/bg_header.jpg) no-repeat 0 0;*/
	width:652px;
	height:120px;
	}	
	
#header.tab1 { background-image: url('../images/tab_01.jpg'); }
#header.tab2 { background-image: url('../images/tab_02.jpg'); }
#header.tab3 { background-image: url('../images/tab_03.jpg'); }
#header.tab4 { background-image: url('../images/tab_04.jpg'); }
#header.tab5 { background-image: url('../images/tab_05.jpg'); }
#header.tab6 { background-image: url('../images/tab_06.jpg'); }

#header #logo a {
	margin:20px 0 0 20px;	
	width:175px;
	height:100px;
	float:left;
	clear:none;
	}
#header #nav_utility {
	margin:50px 24px 0 0;
	float:right;
	clear:none;
	text-align:right;
	font-family:Arial, Helvetica, sans-serif;
	font-size:10px;
	color:#072B61;/*dk med blue*/
	}
#header #nav_utility a {
	text-decoration:none;
	color:#072B61;/*dk med blue*/
	vertical-align:top;
	}
#header #nav_utility a:hover {
	color:#0C479D;/*med blue*/
	text-decoration:underline;
	}

/*---------------------------------------------------*/
/*MAIN CONTAINER*/
/*---------------------------------------------------*/

#main_container {
	margin:0;
	width:928px;
	}

#bg_cols {	
	background:url(../images/bg_gradient.jpg) repeat-x 0 0;
	background-color:#F9FAFB;/*offwhite*/
	/*width:222px;*/
	width:945px;
	/*float:left;
	clear:none;*/
	}

/*---------------------------------------------------*/
/*MAIN NAV*/
/*---------------------------------------------------*/
#left_col {
	width:252px;
	float:left;
	clear:none;
	margin-top: 34px;
	}
#left_col ul {
	margin:0 0 0 0px;
	}
#left_col ul li {
	margin:0;/*NEW08.08.2008*/
	padding:4px 0 4px 10px;
	}
#left_col p.address {
	margin:0 0 0 20px;
	padding-top:10px;
	line-height:15px;
	color:#072B61;/*dk med blue*/
	}
#left_col p.address span {
	color:#979C9C;/*grey*/
	}
	
	
	
	
/*
#left_col {
	width:222px;
	float:left;
	clear:none;
	margin-top: 34px;
	}
#left_col ul {
	margin:0 0 0 0px;
	}
#left_col ul li {
	margin:0;
	padding:4px 0 4px 10px;
	} 

#left_col p.address {
	margin:0 0 0 20px;
	font-size:10px;
	line-height:15px;
	color:#072B61;
	}
#left_col p.address span {
	color:#979C9C;
	}
		*/
#left_col ul li.active {
	width:6px;/*NEW08.08.2008*/
	height:16px;/*NEW08.08.2008*/
	background:url(../images/nav/arrow_blue.gif) no-repeat 10px 9px;
	}
#left_col ul img {	
	margin:0;
	padding:0 0 0 10px;
	display:block;/*NEW08.08.2008*/
	}

#left_col li ul { /* second-level lists */
	position: absolute;
	background: #FFFFFF;
	width: 203px;
	left: -999em;
	text-align: left;
	margin: -23px 0 0 205px;
	padding: 0;
	font-family: Georgia, "Times New Roman", Times, serif;
	border: 2px solid #808080;
}
#left_col li ul li { 
	margin: 0; 
	padding: 0;
	background-image: url('../images/bg_gradient.jpg');
	background-position: center;
	background-repeat: repeat-x;
}
#left_col li ul a {
	display: block;
	width: 198px;
	padding: 4px 0 5px 5px;
	margin: 0;
	color: #76757b;
	font-weight: bold;
	text-decoration: none; 
}
#left_col li ul li a:hover { color: #343642; }

#left_col li:hover ul, #left_col li.sfhover ul { /* lists nested under hovered list items */
	left: auto;
}

#left_col li:hover, #left_col li.sfhover {
    position: static;
}
	
/*---------------------------------------------------*/
/*MAIN CONTENT*/
/*---------------------------------------------------*/

#content {
	/*margin:0 0 0 222px;*/
	margin:0 41px 0 0;/*NEW 08.08.2008*/
	padding:0;
	width:652px;
	height:100%;
	float:right;/*NEW 08.08.2008*/
	clear:none;
	background:url(../images/bg_content.jpg) repeat-y 0 0;
	}	
	
#quote_photo_bg {
	 background:url(../images/bg_quote_photo.jpg) no-repeat 0 0;
	 width:652px;
	 min-height:238px;
	}
#quote_photo {
	margin:0 auto;
	width:605px;
	padding:22px 0 0 0;
	}
#quote_photo #quote {
	margin:10px 0 0 0;
	float:left;
	clear:none;
	}
#quote_photo #main_photo {
	margin:10px 0 0 0;
	padding:auto;
	width:396px;
	height:162px;
	float:right;
	clear:none;
	background-color:#E6E9EF;/*light blue*/
	}
#quote_photo #main_photo img {
	margin:4px;
	}
#callout {	
	margin:10px 0 0 0;
	width:605px;
	height:29px;
	float:left;
	clear:none;
	background:url(../images/calloutgradient.jpg) no-repeat 0 0;
	}
#callout h2 {	
	padding:5px 10px 0 0;
	text-align:right;
	}
.copy {
	margin:0 auto;
	width:500px;
	clear:none;
	}
.copy img {	
	margin:40px 0 0 0;
	}
.copy p a {
	color:#0C479D;/*royal blue*/
	text-decoration:underline;
	}
.copy p a:hover {
	text-decoration:none;
	}

/*---------------------------------------------------*/
/*TABS*/
/*---------------------------------------------------*/

.tabs {
	margin:0 0 0 7px;
	padding:80px 0 0 0;
	background:url(../images/tabs.jpg) no-repeat 0 0;
	}

/*---------------------------------------------------*/
/*ABOUT US*/
/*---------------------------------------------------*/
	
.copy ul.directors {
	padding:0 0 55px 15px;
	}
.copy ul.directors li {
	margin:8px 0;
	color:#000;
	font-size:100%;
	line-height:110%;
	}
.copy ul.directors li span {
	color:#979C9C;/*dk grey*/
	}

/*---------------------------------------------------*/
/*CAPITAL SOLUTIONS*/
/*---------------------------------------------------*/

.copy p.terms {	
	margin:0;
	padding:5px 0;
	border-bottom:1px dotted #ccc;
	}
.copy p.terms span {	
	marign:0;
	padding:0;
	font-weight:bold;
	color:#343642;/*dk blue*/
	/*color:#979C9C;dk grey*/
	/*color: #072B61;dk med blue*/
	/*color:#0C479D;royal blue*/
	}
.copy dl.terms {	
	padding:8px 0;
	}
.copy dl.terms dt {	
	float:left;
	clear:both;
	color:#000;
	}
.copy dl.terms dd {
	margin:5px 0 5px 15px;
	width:350px;
	float:left;
	clear:both;
	color:#979C9C;/*dk grey*/
	text-align:left;
	}

/*---------------------------------------------------*/
/*CAPITAL STRUCTURES*/
/*---------------------------------------------------*/

.copy .charts img {
	margin:0;
	padding:0;
	}
.copy .charts .caption {
	padding:10px 0 0 0;
	font-size:85%;
	color:#343642;/*dk blue*/
	}

/*---------------------------------------------------*/
/*CONTACT US*/
/*---------------------------------------------------*/

h3 a {
	color: #072B61;/*dk med blue*/
	text-decoration:underline;
	}
h3 a:hover {
	color:#0C479D;/*royal blue*/
	text-decoration:underline;
	}

/*---------------------------------------------------*/
/*SITEMAP*/
/*---------------------------------------------------*/

.copy ul {
	padding:0 0 55px 0;
	}
.copy ul li {
	margin:8px 0;
	color:#979C9C;/*dk grey*/
	font-size:120%;
	line-height:110%;
	}
.copy ul li a {
	color: #072B61;/*dk med blue*/
	/*color:#0C479D; med blue
	color:#0C479D; royal blue*/
	}
.copy ul li a:hover {
	color:#0C479D;/*royal blue*/
	}
.copy ul li ul {
	margin:0 0 0 15px;
	padding:0;
	}
.copy ul li ul li {
	font-size:90%;
	line-height:110%;
	}
.copy ul li ul li a {
	color: #072B61;/*dk med blue*/
	}
.copy ul li ul li a:hover {
	color:#0C479D;/*royal blue*/
	}

/*---------------------------------------------------*/
/*FOOTER*/
/*---------------------------------------------------*/

#footer {
	margin:0 0 0 252px;
	padding:0 0 20px 0;
	width:652px;
	clear:both;/*NEW 08.12.2008*/
	background:url(../images/bg_content.jpg) repeat-y 0 0;
	}

#footer ul {
	margin:13px 0 0 0;
	padding:10px 60px;
	font-size:10px;
	font-weight:bold;
	text-align:center;
	color:#CACACA
	}
#footer ul img {
	vertical-align:middle;
	
	}
#footer ul li {
	display:inline;
	vertical-align:middle;
	}
#footer ul li a {
	color:#343642;/*dk blue*/
	text-decoration:none;
	}
#footer ul li a:hover {
	text-decoration:underline;
	}
#footer #disclaimer {	
	margin:0;
	padding:0;
	font-size:10px;
	color:#979C9C;/*dk grey*/
	text-align:center;
	}
#footer #disclaimer a {
	color:#979C9C;/*dk grey*/
	text-decoration:underline;
	}
#footer #disclaimer a:hover {
	text-decoration:none;
	}
	
	
/*---------------------------------------------------*/
/*ELEMENTS*/
/*---------------------------------------------------*/

hr.left_col {width:90%;border-bottom:1px solid #fff;background-color:#fff;}
hr.divider_copy {margin:0 auto 30px auto;width:500px;color:#979C9C;background-color:#979C9C;}
hr.divider_definitions {margin:0;padding:0;width:500px;color:#fff;border-color:#979C9C;border-bottom:1px dotted;}
hr.divider_footer {margin:0 auto;width:500px;color:#979C9C;background-color:#979C9C;}


#nav { margin:0; padding:0 8px 0 0;}
#nav li a { outline:none;;color:#575a67; text-transform:uppercase; text-decoration:none; font-size:12px; font-family:Arial, Helvetica, sans-serif ; border-bottom:dashed 1px #b9b9b9; padding:0 0 3px 12px; display:block; background:url(../images/bullet-nav.gif) no-repeat left 7px; margin-left:7px;  }
#nav li a:hover { color:#617aa2;}
#nav .lastitem  a{ border:none;}
.copy .list1 { padding:15px 0;}
.copy .list1 li { font-size:14px; list-style-type:disc; margin:6px 0 6px 15px; color:#072B61; }
.copy p { font-size:14px; color:#072B61;}