body {
background-image:url(bg.jpg);
background:#FFFFFF;
margin-top:0;
font-size:16px; 
font-family:Times New Roman,arial,verdana,geneva,helvetica,sans-serif;
color:#000000;
}

.menu { color: #000000; font-size: 16px; font-weight: normal }
.menu a:link {color: #000066; }
.menu a:visited {color: #000066; }
.menu a:hover {color: #000066; font-weight: bold; text-decoration: underline }
.menu a:active  {color: #000046; }

hr {
color:grey;
size:100%;
}

h1 {
color:#000066;
font-size:32px;
font-weight: bold;
font-family:Times New Roman,Times,serif,geneva,helvetica,sans-serif; 
margin-bottom:-20px
}

h2 {
color:#000066;
font-size:18px;
font-weight: bold;
font-style: normal;
font-family:Times New Roman,Times,serif,geneva,helvetica,sans-serif;
background:transparent; line-height:100%; margin-bottom:-2
}

h3{
color:#000066;
font-size:24px;
font-family:Times New Roman,Times,serif,geneva,helvetica,sans-serif;
background:transparent; line-height:100%; margin-bottom:1
}

h4{
color:#000000;
font-size:18px;
font-weight: normal;
font-family:Times New Roman,Times,serif,geneva,helvetica,sans-serif;
clear: none; margin-bottom:-1
}

p,td{
font-family:Times New Roman,Times,serif,geneva,helvetica,sans-serif;

}

a:link {
color:#000066;
font-size:16px;
font-family:Times New Roman,Times,serif,geneva,helvetica,sans-serif;
background:; text-decoration:underline; font-weight:bold
}

a:visited {
color:#000066;
font-family:Times New Roman,Times,serif,geneva,helvetica,sans-serif;
background:;; text-decoration:underline; font-weight:bold
}

a:hover {
color:#000066;
background:; text-decoration:underline
}

a:active {
color:purple;
background:transparent;
}


ul { 
list-style-type: disc; color:#000000
} 

li {
margin-bottom:2
}