body {
background-image: url("images/bg.gif");
margin-top: 16px;
margin-bottom: 0px;
margin-left: 0px;
margin-right: 0px;
}


a:link {text-decoration: underline; color: #908963;}
a:visited {text-decoration: underline; color: #908963;}
a:hover {color: #000000; text-decoration: underline;}
a:active {color: #908963; text-decoration: underline;}  


.heading { 
	font-family: Verdana, Arial, Helvetica, sans-serif; 
	font-size: 11px;
	color: #3D4F66;
	font-weight: bold;
	}

.body { 
	font-family: Verdana, Arial, Helvetica, sans-serif; 
	font-size: 11px;
	color: #000000;
	line-height: 140%;
	} 
	
.body-white { 
	font-family: Verdana, Arial, Helvetica, sans-serif; 
	font-size: 11px;
	color: #FFFFFF;
	line-height: 140%;
	} 

.small { 
	font-family: Verdana, Arial, Helvetica, sans-serif; 
	font-size: 10px;
	color: #000000;
	}
	
.copyright { 
	font-family: Verdana, Arial, Helvetica, sans-serif; 
	font-size: 10px;
	color: #FFFFFF;
	}
	
.copyright a:link {text-decoration: none; color: #908963;}
.copyright a:visited {text-decoration: none; color: #908963;}
.copyright a:hover {color: #000000; text-decoration: none;}
.copyright a:active {color: #908963; text-decoration: none;} 


<!-- form element properties -->	           
input.element{
                background-color: #FFFFFF;
                padding-top: 2px;
                height: 18px;
                border: 1 solid #595959;
}

input.button {
                background-color: #59687D;
                padding-top: 0px;
                border: 0 solid #595959;
                font-family: Verdana, Helvetica, Arial, sans-serif;
                font-weight: normal;
                font-size: 10px;
                color: #FFFFFF;
}

input.checkbox {
                background-color: #FFFFFF;
                padding-top: 0px;
                height: 20px;
                border: 0 solid #FFFFF;
                font-family: Verdana, Helvetica, Arial, sans-serif;
                font-weight: normal;
                font-size: 10px;
                color: #000000;
}

input.textarea {
                background-color: #FFFFFF;
                padding-top: 2px;
                border: 1 solid #595959;
}

input.select {
                background-color: #FFFFFF;
                padding-top: 2px;
                height: 20px;
                border: 1 solid #595959;
                font-family: Verdana, Helvetica, Arial, sans-serif;
                font-weight: normal;
                font-size: 10px;
                color: #000000;
}

.tier1 { 

            font-family: Verdana, Arial, Helvetica, sans-serif; 

            font-size: 11px; 

            color: #000000; 

            line-height: 120%; 

            }