body {
margin:0;
padding:0;
font-size:12px;
color:#000000;
font-family:Arial, Helvetica, sans-serif;
background:url(images/example.png);
}

div, h1, h2, h3, p, img, ul, li {
		margin:0; padding:0;
}


a:link, a:visited, a:active {
font-size:10px;
color:#006699;
font-family:Arial, Helvetica, sans-serif;
font-weight:700;
text-decoration:none;
}

a:hover {
font-size:10px;
color:#bbb4a5;
font-family:Arial, Helvetica, sans-serif;
font-weight:700;
text-decoration:none;
}

p {
font-size:12px;
color:#1E3E62;
font-family:Arial, Helvetica, sans-serif;
font-weight:500;
}

h1 {
font-size:12px;
color:#FFFFFF;
font-family:Arial, Helvetica, sans-serif;
font-weight:700;
}

h2 {
font-size:10px;
color:#bbb4a5;
font-family:Arial, Helvetica, sans-serif;
font-weight:700;
text-align:center;
}

.clear {
clear:both;
}

#wrapper {
margin-left:auto;
margin-right:auto;
width:868px;
background-color:#ffffff;
}

#top {
width:868px;
height:147px;
}

#navholder {
width:868px;
height:40px;
background:#006699;
margin-top:10px;
}

#navholder ul {
list-style-type:none;
}

#navholder ul li {
float:left;
height:40px;
display:block;
line-height:40px;
}

#navholder ul li a {
display:block;
text-decoration:none;
height:40px;
padding-left:15px;
padding-right:15px;
}

#navholder ul li a:hover {
background:#1E3E62;
padding-left:15px;
padding-right:15px;
}

.nav
{
border-right:1px solid #FFFFFF;
}

.navleft
{
width:32px;
height:40px;
background-image:url(images/menuleft.gif);
border-right:1px solid #FFFFFF;
}

.navright
{
width:33px;
height:40px;
background-image:url(images/menuright.gif);
}

#mainholder {
width:868px;
}

#mainleft {
float:left;
width:474px;
padding-top:40px;
padding-bottom:40px;
padding-left:30px;
padding-right:30px;
text-align:justify;
}

#mainright {
float:left;
width:284px;
padding-top:40px;
padding-bottom:40px;
padding-right:20px;
padding-left:30px;
}

#lowerholder {
width:868px;
height:120px;
padding-bottom:20px;
}

#lower1 {
float:left;
width:217px;
}

#lower2 {
float:left;
width:217px;
}

#lower3 {
float:left;
width:217px;
}

#lower4 {
float:left;
width:217px;
}

#footer {
width:868px;
height:25px;
background:url(images/nav.gif);
text-align:center;
padding-top:11px;
margin-bottom:10px;
}