body{margin-top:0;margin-bottom:8em;}
.headline1{padding:4px;font-family:times new roman,times,serif;font-size:16pt;color:#E3D1BC;letter-spacing:0.1em;}
.headline2{padding:4px;font-family:times new roman,times,serif;font-size:18pt;font-weight:bold;color:#7D512F;letter-spacing:0.1em;}
.headline3{padding:4px;font-family:times new roman,times,serif;font-size:24pt;font-weight:bold;color:#7D512F;letter-spacing:0.1em;}
.addrtxt{padding:4px;font-family:times new roman,times,serif;font-size:10pt;font-weight:bold;color:#BBA994;}
.footertxt{padding:4px;font-family:times new roman,times,serif;font-size:11pt;font-weight:bold;color:#E3D1BC;}

p{font-family:times new roman,times,serif;font-size:11pt;font-weight:bold;color:#7D512F;margin-top:-12px;}
.regtxt{font-family:times new roman,times,serif;font-size:11pt;font-weight:bold;color:#7D512F;}

#policy01{font-family:arial,helvetica,sans-serif;font-size:9pt;font-weight:bold;color:#7D512F;}
#policy01 td{font-family:arial,helvetica,sans-serif;font-size:9pt;color:#7D512F;border-bottom:1 dotted #7D512F;}
#policy02{font-family:arial,helvetica,sans-serif;font-size:9pt;font-weight:bold;color:#7D512F;}
#policy02 td{font-family:arial,helvetica,sans-serif;font-size:9pt;color:#7D512F;border-bottom:1 dotted #7D512F;padding-right:0.4em;}


.linktxt{font-family:times new roman,times,serif;font-size:10pt;font-weight:bold;color:#7D512F;}
.linktxt a{font-family:times new roman,times,serif;font-size:10pt;font-weight:bold;color:#7D512F;text-decoration:none;}
.linktxt a:hover{font-family:times new roman,times,serif;font-size:10pt;font-weight:bold;color:#993300;text-decoration:none;}
.linktxt a:visited{font-family:times new roman,times,serif;font-size:10pt;font-weight:bold;color:#7D512F;text-decoration:none;}
.linktxt a:visited:hover{font-family:times new roman,times,serif;font-size:10pt;font-weight:bold;color:#993300;text-decoration:none;}

#page{z-index:2;position:relative;width:759px;height:940px;background-color:#E3D1BC;}
#sidepanel{z-index:3;position:absolute;left:0px;top:0px;width:159px;height:1023px;background-color:#5A3310;}
#masthead{z-index:4;position:absolute;left:159px;top:0px;width:599px;}
#content{z-index:5;position:absolute;left:159px;top:30px;width:599px;}
#footerpanel{z-index6;position:absolute;left:159px;top:844px;}
#linkspanel{z-index7;position:absolute;left:159px;top:1090px;width:599px;background-color:#E3D1BC;}

.topnavmnu{font-family:times new roman,times,serif;font-size:10pt;color:#BBA994;}
.topnavmnu a{font-size:11pt;color:#BBA994;line-height:10pt;text-decoration:none;}
.topnavmnu a:hover{font-size:11pt;color:#ffcc99;line-height:10pt;text-decoration:none;}
.topnavmnu a:visited{font-size:11pt;color:#BBA994;line-height:10pt;text-decoration:none;}
.topnavmnu a:visited:hover:{font-size:11pt; color:#ffcc99;line-height:10pt;text-decoration:none;}

.emailref{font-family:times new roman,times,serif;font-size:11pt;color:#E3D1BC;}
.emailref a{font-size:11pt;color:#E3D1BC;line-height:11pt;text-decoration:none;}
.emailref a:hover{font-size:11pt;color:#ffcc99;line-height:11pt;text-decoration:none;}
.emailref a:visited{font-size:11pt;color:#E3D1BC;line-height:11pt;text-decoration:none;}
.emailref a:visited:hover:{font-size:11pt; color:#ffcc99;line-height:11pt;text-decoration:none;}