*{margin:0; padding:0}
body{font-family:Verdana, Arial, Helvetica, sans-serif; font-size:11px;}
p{text-align:justify; line-height:18px; margin-bottom:10px;}
a{font-weight:bold; color:#000; text-decoration:none}
a:hover{text-decoration:underline}
img{border:none}
.clrfloat{clear:both}
#wrap
{
	width:978px;
	height:auto;
	margin:0 auto;
}

#hd1
{
	width:978px;
	height:97px;
	float:left;
	background:url(images/hd1-bg.gif) repeat-x top left;
}

#logo
{
	width:256px;
	height:70px;
	float:left;
	background:url(images/logo-bg.jpg) no-repeat top left;
	padding:27px 0 0 9px;
}

#hd1-right
{
	width:275px;
	height:87px;
	float:right;
	background:url(images/hd-right.jpg) no-repeat top right;
	padding:10px 0 0 90px;
}

#hd1-right ul li
{
	display:inline;
	list-style:none;
	color:#fff;
}

#hd1-right ul li a
{
	color:#fff;
	font-weight:normal;
}

#hd2
{
	width:978px;
	height:195px;
	float:left;
}

#hd2-l
{
	width:265px;
	height:195px;
	float:left;
	background:url(images/hd2-l.gif) no-repeat top left;
}

#hd2-m
{
	width:348px;
	height:195px;
	float:left;
	background:url(images/hd2-m.gif) no-repeat top left;
}

#hd2-r
{
	width:365px;
	height:195px;
	float:left;
	background:url(images/hd2-r.jpg) no-repeat top left;
}

#hd3
{
	width:978px;
	height:238px;
	float:left;
}

#hd3-left
{
	width:613px;
	height:238px;
	float:left;
}

#hd3-left-t
{
	width:613px;
	height:186px;
	float:left;
}

#hd3-left-t-l
{
	width:265px;
	height:186px;
	float:left;
	background:url(images/hd3-l-t-l.gif) no-repeat top left;
}

#hd3-left-t-l ul li
{
	width:230px;
	height:45px;
	float:left;
	list-style:none;
	padding-left:35px;
	margin-bottom:5px;
}

#hd3-left-t-l ul li a
{
	line-height:45px;
	font-size:18px;
	font-weight:bold;
	color:#016675;
}

#hd3-left-t-l ul li a:hover
{
	text-decoration:none;
	color:#028ca1;
}

#hd3-right
{
	width:365px;
	height:232px;
	float:left;
	background:url(images/hd3-right.jpg) no-repeat top left;
}

#hd3-right-t
{
	width:323px;
	height:103px;
	float:left;
	padding:44px 0 0 42px;
}

#hd3-right-t ul li
{
	list-style:none;
	background:url(images/arrow.gif) no-repeat 0% .4em;
	font-size:18px;
	color:#fff;
	padding:4px 0 4px 25px;
	letter-spacing:.05em;
}

#hd3-right-t ul li h2
{
	font-size:18px;
	font-weight:normal;
}

#hd3-right-b
{
	width:365px;
	height:85px;
	float:left;
	text-align:center;
}



#hd3-left-t-r
{
	width:348px;
	height:186px;
	float:left;
	background:url(images/hd3-l-t-r.jpg) no-repeat top left;
}

#top-nav
{
	width:613px;
	height:46px;
	float:left;
	background:url(images/hd3-l-b.gif) no-repeat top left;
	text-align:center;
}

#top-nav ul li
{
	list-style:none;
	display:inline;
	color:#fff;
	font-size:12px;
	font-weight:bold;
	line-height:46px;
	padding:0 5px;
}

#top-nav ul li a
{
	color:#fff;
}

#page-cont
{
	width:978px;
	height:auto !important;
	min-height:300px !important;
	height:300px;
	padding:20px 0;
}

#page-cont h1
{
	color:#d15a19;
	font-size:22px;
	border-bottom:1px dashed #6b6d6d;
	margin-bottom:15px;
	padding-bottom:10px;
	font-weight:normal;
	text-align:center;
}

.smhead
{
	color:#d15a19;
	font-size:14px;
	margin-bottom:10px;
	font-weight:bold;
}

#page-cont ul, #page-cont ol
{
	margin:0 0 10px 17px;
}

#page-cont ul li, #page-cont ol li
{
	padding:4px 0 4px 5px;
}

#page-cont ul li a
{
	font-weight:normal;
}

#footer
{
	width:978px;
	height:auto;
	clear:left;
	text-align:center;
	color:#3c7868;
	border-top:1px dashed #6b6d6d;
	padding:15px 0 20px 0;
}


#footer ul li
{
	list-style:none;
	display:inline;
	color:#3c7868;
}

#footer ul li a
{
	color:#3c7868;
	font-weight:normal;
}

#footer ul li a:hover
{
	color:#000;
}

#copyright
{
	width:978px;
	height:auto;
	float:left;
	text-align:center;
    color:#7b7c7c;
	padding:5px 0 20px 0;
}

#copyright a
{
	font-weight:normal;
}

.disclimer-text{float:left;height:15px;wigth:978px; margin-top:10px;}