body {
  background: #f1ede8 url(images/bg.jpg) repeat-x left top;
  padding: 0px;
  margin: 0px;
  width: 100%;
}

body, td {
  font-family: Verdana, Helvetica, Arial, sans-serif;
  font-size: 13px;
  color: #404040;
}

a, a:link, a:visited {
  color: #006699;
  text-decoration: none;
}

a:hover, a:active {
  color: #006699;
  text-decoration: underline;
}

.top {
  margin-top: 0px;
  padding-top: 0px;
}

.bottom {
  padding-top: 0px;
  padding-bottom: 0px;
}

.center {
  text-align: center;
}

.intro {
  margin-top: 16px;
}

.conclusion {
  margin-top: 20px;
}

h1 {
  color: #4b6198;
  font-size: 22px;
  font-family: Arial, Helvetica, Verdana, sans-serif;
  font-weight: bold;
  margin-top: 0px;
}

h3 {
  color: #006699;
  font-size: 16px;
}

h4 {
  color: #006699;
  font-size: 13px;
  margin: 0px;
  padding-bottom: 9px;
}

blockquote {
  display: block;
  margin: 0px;
  padding: 10px 0px;
  text-align: left;
}

p.topic {
  margin-top: 25px;
}

img.left {
  float: left;
  margin-right: 14px;
  margin-bottom: 10px;
}

img.right {
  float: right;
  margin-left: 14px;
  margin-bottom: 10px;
}

#wrapper {
  width: 860px;
  margin: 0px auto;
  background-color: #ffffff;
}

#footer {
  width: 860px;
  margin: 0px auto;
}

#footer .inner {
  padding: 25px 100px;
  text-align: center;
  font-size: 11px;
}

.small {
  font-size: 10px;
}

#header {
  position: relative;
  width: 860px;
  height: 110px;
  margin: 0px auto;
}

#header #logo {
  position: absolute;
  width: 344px;
  height: 47px;
  left: 0px;
  top: 39px;
}

#header #tips1 {
  position: absolute;
  width: 99px;
  height: 85px;
  left: 393px;
  top: 25px;
}

#header #tips2 {
  position: absolute;
  width: 331px;
  height: 79px;
  left: 528px;
  top: 22px;
}

#topbar {
  position: relative;
  background-color: #364f90;
  color: #ffffff;
  font-size: 13px;
  line-height: 15px;
  padding: 7px 0px 8px 10px;
}

#content {
  float: left;
  width: 620px;
}

#content .inner {
  padding: 20px 25px;
}

#menu {
  float: left;
  width: 225px;
  padding: 24px 0px 10px 0px;
}

#menu ul {
  margin: 0px 0px 16px 0px;
  padding: 0px 0px 0px 14px;
  list-style-type: disc;
}

#menu ul li {
  /* display: block; */
  margin: 0px;
  padding: 0px 0px 3px 0px;
  font-size: 10px;
  line-height: 13px;
  font-family: Verdana, Helvetica, Arial, sans-serif;
  color: #006699;
}

#menu ul li a {
  font-size: 12px;
}


.clear {
  clear: both;
}

.b {
  font-weight: bold;
}