body,html {
	margin:0;
	padding:0;
	background:#FFF;
	}

body {
	min-width:958px;
	}

#wrap {
	background:#99c;
	margin:0 auto;
	width:958px;
	background: white url("images/background.jpg");
	background-repeat: no-repeat;
	background-position: center top;
	}

#header {
	height: 229px;
	vertical-align:bottom; 
	position:relative; /* needed to position .pic div */
	}

img.pic{
	horizontal-align: right;
	position:absolute; 
	bottom:0px; 
	right:0px;
	}

#nav {
	padding:0px;
	margin-top:2px;
	}

.topnav { 
	font: 9px helvetica;
  	color: #a6a6a6;
 	background-color: #FFF;
 	border: none;
 	padding: 0 0 0 20;
	voice-family: "\"}\"";
	voice-family:inherit;
}

.topnav a:link {color: #a6a6a6;}
.topnav a:visited {color: #a6a6a6;}
.topnav a:active {color: #a6a6a6;}
.topnav a:hover {color: #bfbfbf;}

#breadcrumbs {
	padding:20px 50px 0 50px;
	height: 35px;
	}

#main {
	float:left;
	width:555px;
	background: url("images/border.jpg");
	background-repeat: repeat-y;
	background-position: right top; 
	padding: 0 0 0 50px;
	min-height: 675px;
	height:auto !important;
	height: 675px;
	}

h1 {
	font: bold small-caps 22px Times;
	color: #00315f;
	vertical-align: text-top;
	text-align: left;
	padding: 15px 50px 0 25px;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#main p {
	font: 12px helvetica;
	padding: 0 30px 0 25px;
    }

ol.expectations {
	font: 12px helvetica;
	padding: 0 50px 0 65px;
    }

ul.expectations {
	font: 12px helvetica;
	padding: 0 0 0 25px;
	list-style-type: disc;
    }

ul.fees {
	font: 12px helvetica;
	padding: 0 50px 0 65px;
	list-style-type: disc;
    }

li {
	margin: 10px 0;
}

#main a:link{
	font: 12px helvetica;
	color: #00315f;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#main a:visited{
	font: 12px helvetica;
	color: #00315f;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#main a:active{
	font: 12px helvetica;
	color: #00315f;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#main a:hover{
	font: 12px helvetica;
	color: #a6a6a6;
	voice-family: "\"}\"";
	voice-family:inherit;
}


#title {
	float:right;
	width:318px;
	height: 35px;
	background: url("images/header.jpg");
	background-repeat: no-repeat;
	background-position: left top;
	font: bold small-caps 18px Times;
	color: #FFF;
	text-indent: 20px;
	line-height:35px;
	}


#contact {
	float:right;
	width:318px;
	height:250px;
	background: url("images/contact.jpg");
	background-repeat: no-repeat;
	background-position: left top;
	}

#contact p {
	padding: 15px 70px 0 20px;
	font: 12px helvetica;
	color: #OOO;
    }

#contact a:link{
	font: 12px helvetica;
	color: #000;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#contact a:visited{
	font: 12px helvetica;
	color: #000;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#contact a:active{
	font: 12px helvetica;
	color: #000;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#contact a:hover{
	font: 12px helvetica;
	color: #a6a6a6;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#newsletter {
	float:right;
	width:318px;
	height:150px;
	background: url("images/newsletter.jpg");
	background-repeat: no-repeat;
	background-position: left top;
	}

#newsletter p {
	padding: 15px 70px 0 20px;
	font: 12px helvetica;
	color: #OOO;
    }

#newsletter a:link{
	font: 12px helvetica;
	color: #000;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#newsletter a:visited{
	font: 12px helvetica;
	color: #000;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#newsletter a:active{
	font: 12px helvetica;
	color: #000;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#newsletter a:hover{
	font: 12px helvetica;
	color: #a6a6a6;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#ad {
	float:right;
	width:318px;
	font: bold 9px helvetica;
	color: #bfbfbf;
	}

a:link img {
	border: 2px solid #bfbfbf;
	background: #fff;
}

a:visited img {
	border: 2px solid #bfbfbf;
	background: #fff;
}

a:active img {
	border: 2px solid #bfbfbf;
	background: #fff;
}

a:hover img {
	border: 2px solid #a6a6a6;
}

a.nav:link img {
	border: 0px;
	padding: 0 0 0 0;
}

a.nav:visited img {
	border: 0px;
	padding: 0 0 0 0;
}

a.nav:active img {
	border: 0px;
	padding: 0 0 0 0;
}

a.nav:hover img {
	border: 0px;
	padding: 0 0 0 0;
}

#spacer {
	height: 40px;
	clear:both;
	}

#footer1 {
	height: 84px;
	width:328px;
	background: url("images/logo.jpg");
	background-repeat: no-repeat;
	background-position: center top;
	float:left;
	}

#footer2 {
	height: 84px;
	width:210px;
	background: url("images/gradient.jpg");
	background-repeat: repeat-x;
	background-position: center top;
	float:right;
	position: relative;
	}

#footer3  {
	font: 10px helvetica;
	text-align: left;
	line-height:22px;
	height: 66px;
	color: #FFF;
	background: url("images/border2.gif");
	background-repeat: repeat-y;
	background-position: left top;
	position: absolute; top: 50%; margin-top: -30px;

    }

#footer2 a:link{
	font: 10px helvetica;
	color: #FFF;
	line-height:22px;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#footer2 a:visited{
	font: 10px helvetica;
	color: #FFF;
	line-height:22px;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#footer2 a:active{
	font: 10px helvetica;
	color: #FFF;
	line-height:22px;
	voice-family: "\"}\"";
	voice-family:inherit;
}

#footer2 a:hover{
	font: 10px helvetica;
	color: #00315f;
	line-height:22px;
	voice-family: "\"}\"";
	voice-family:inherit;
}

.uploads {
	padding: 0px 50px 0 45px;
}