body
{
  padding: 0px;
  margin: 0px;
  border: 0px;
}

img
{
  display: block;
  border: 0px;
}

form
{
  padding: 0px;
  margin: 0px;
}

input.btn
{
  padding: 0px 10px;
  width: auto !important;
}

#about

{
  width: 424px;
  height: 278px;
  border-right: 1px solid #ffb900;
}

#about li
{
  margin-bottom: 5px;
  margin-top: 5px;
}

#about ol
{
  margin: 0px;
  padding: 0px 0px 0px 20px;
}

#address
{
  margin-top: 20px;
}

#addressbox
{
  background-image: url('../images/address_bg.gif');
  background-repeat: repeat-x;
  width: 277px;
}

#article_body
{
  width: 700px;
}

#bio_info
{
  width: 500px;
}

#bottom-shadow
{
  clear: both;
}

#contactbox
{
  background-image: url('../images/contactbg.jpg');
  background-repeat: no-repeat;
  width: 652px;
  height: 316px;
  border-right: 1px solid #f4c66d;
  position: relative;
}

#container
{
  font-size: 12px;
  font-family: arial, helvetica, sans-serif;
  margin-left: auto;
  margin-right: auto;
  width: 931px;
  height: auto;
}

#definitionbox
{
  width: 443px;
  height: 316px;
  border-left: 1px solid #f4c66d;
  background-image: url('../images/insurancebg.jpg');
}

#facts
{
  background-color: #fcf3c4;
}

#factsbox
{

  border-right: 1px solid #f4c66d;
  width: 210px;
  padding-left: 18px;
  font-size: 11px;
}

#factsbox2
{

  border-right: 1px solid #f4c66d;
  width: 210px;
  padding-left: 18px;
  font-size: 11px;
  padding-bottom: 15px;
}

#factsbox ul
{
  padding: 0px;
  margin: 0px;
  list-style: none;
}

#factsbox a
{
  color: #50257f;
  text-transform: uppercase;
  font-weight: bold;
  text-decoration: none;
}

#factsbox a:hover
{
  text-decoration: underline;
}

#factsbox li
{
 padding: 5px 0px 5px 0px;
 border-bottom: 1px solid #f4c66d;
}

#factsbox2 ul
{
  padding: 0px;
  margin: 0px;
  list-style: none;
}

#factsbox2 a
{
  color: #50257f;
  text-transform: uppercase;
  font-weight: bold;
  text-decoration: none;
}

#factsbox2 a:hover
{
  text-decoration: underline;
}

#factsbox2 li
{
 padding: 5px 0px 5px 0px;
 border-bottom: 1px solid #f4c66d;
}

#faq_leftside
{
  padding-left: 20px;
  padding-top: 5px;
  padding-right: 10px;
  width: 185px;
  border-right: 1px dotted #f4c66d;
}

#flashbox
{
  border-bottom: 2px solid #7b547e;
}

#footer
{
  font-family: arial, helvetica, sans-serif;
  font-size: 10px;
  border-top: 1px dotted #000;
  padding-top: 5px;
  width: 930px;
  margin-left: auto;
  margin-right: auto;
}

#formbox
{
  position: absolute;
  top: 50px;
  left: 150px;
}

#formbox input
{
  margin-bottom: 1px;
  border: 1px solid #e8cf74;
  padding: 3px;
  width: 350px;
  font-size: 11px;
}

#formbox input.btn
{
  padding: 0px;
  margin: 0px;
  width: auto;
  background-color: #e0bd4f;
  cursor: pointer;
}

#formbox input.sml
{
  width: 125px;
}

#formbox input.zip
{
  width: 80px;
}

#formbox label.flt
{
  float: left;
  width: 100px;
}

#formbox select
{
  border: 1px solid #e8cf74;
  font-size: 11px;
}

#header
{
  background-image: url('../images/header_bg.gif');
  background-repeat: no-repeat;
  height: 82px;
}

#insurancebox
{
  width: 276px;
  height: 317px;
  background-image: url('../images/insurancebg.jpg');
  background-repeat: no-repeat;
  border-right: 1px solid #f8e293;
}

#logo
{
  position: absolute;
}

#logo_txt
{
  position: absolute;
  top: 12px;
  left: 81px;
}

#main
{
  margin-left: auto;
  margin-right: auto;
  width: 992px;
}

#mainbody
{
  background-color: #fdf9d5;
}

#mainbody2
{
  background-color: #fdf9d5;
  background-repeat: repeat-y;
  height: auto;
  padding-bottom: 20px;
}

#msgbox
{
  position: absolute;
  top: 15px;
  right: 45px;
  font-weight: bold;
  color: #ff0000;
  text-align: right;
  width: 350px;
}

#nav
{
  position: absolute;
  top: 65px;
  left: 100px;
  font-size: 11px;
}

#nav_arrow
{
  position: absolute;
  left: 110px;
  z-index: 10;
}

#nav_arrow.about_adr
{
  left: 350px;
}

#nav_arrow.bios
{
  left: 240px;
}

#nav_arrow.contactus
{
  left: 165px;
}

#nav_arrow.home
{
  left: 110px;
}

#nav_arrow.faq
{
  left: 495px;
}

#nav_arrow.news
{
  left: 440px;
}

#nav ul
{
  padding: 0px;
  margin: 0px;
  border: 0px;
  list-style: none;
}

#nav li
{
  float: left;
  margin-right: 10px;
  text-transform: uppercase;
  color: #fff;
}

#nav li a
{
  color: #fff;
  text-decoration: none;
}

#nav li a:hover
{
  color: #f4c66d;
}

#onlineform_link
{
  margin-top: 20px;
}

#onlineform_link a
{
  text-decoration: none;
  color: #000;
}

#onlineform_link a:hover
{
  text-decoration: underline;
}

#references_content
{
  padding: 20px 10px 30px 10px;
  font-size: 12px;
}

#shadow
{
  margin-right: auto;
  margin-left: auto;
  width: 992px;
  background-image: url('../images/vertical_shad.jpg');
  background-repeat: repeat-y;
}

#top_section
{
 background:#FDF9D5;
}

.addressinfo
{
  padding-left: 10px;
}

.adrdescript
{
  width: 190px;
  padding: 5px;
}

.adrlist
{
  width: 200px;
  height: auto;
  background-repeat: repeat-y;
  font-size: 11px;
  background-image: url('../images/purp_bar.gif');
  color: #fff;
  font-family: verdana, arial, helvetica, sans-serif;
}

.adrlist ul
{
  padding: 15px;
  margin: 0px;
  margin-left: 5px;
}

.adrlist li
{
  padding-bottom: 5px;
}

.biotitle
{
  font-size: 22px;
  font-family: arial narrow, arial, verdana, helvetica, sans-serif;
  font-weight: bold;
  border-bottom: 1px solid #990000;
  margin-bottom: 5px;
}

.bold
{
  font-weight: bold;
}

.btnbox
{
  border-top: 1px solid #e0bd4f;
  padding-top: 5px;
  margin-top: 10px;
  text-align: right;
  width: 460px;
}

.clearall
{
  clear: both;
  line-height: 0px;
}

.content
{
  text-indent: 20px;
  padding-top: 5px;
  padding-bottom: 5px;
  margin-bottom: 25px;
}

.date
{
  font-weight: bold;
  border-bottom: 1px dotted #000;
}

.definition_padding
{
  padding: 50px 10px 10px 10px;
}

.faq_name_title
{
  padding-bottom: 5px;
  margin-bottom: 5px;
  text-transform: uppercase;
  border-bottom: 1px dotted #f4c66d;
}

.faq_name_title a
{
  color: #5c3288;
  text-decoration: none;
  font-weight: bold;
  font-size: 11px;
}

.faq_name_title a:hover
{
  text-decoration: underline;
}

.fact_img
{
  border-bottom: 2px solid #f4c66d;
}

.fltlft
{
  float: left;
}

.fltrt
{
  float: right;
}

.headline
{
  padding-top: 5px;
  font-size: 14px;
  font-weight: bold;
}

.jamesimage
{
  padding-bottom: 30px;
}

.note
{
  padding-left: 5px;
  color: #000;
  font-family: arial, helvetica, sans-serif;
}

.padding
{
  padding: 3px;
}

.padding10
{
  padding-left: 10px;
  padding-right: 10px;
}

.paddingleft10
{
  padding-left: 10px;
}

.paddingall10
{
  padding: 3px;
}

.paddingtop
{
  padding-top: 3px;
}

.rand_box
{
 width: 275px;
 margin-left: auto;
 margin-right: auto;
 text-align: center;
}

.rand_box span
{
 color: #cc0000;
 font-weight: bold;
}

.rand_box img
{
 width: 275px;
 height:  60px;
 border: 1px solid #000;
}

.ref_title
{
  font-size: 28px;
  font-family: times new roman, arial, helvetica, sans-serif;
  padding-top: 10px;
  padding-left: 10px;
}

.relative
{
  position: relative;
}

.title
{
  font-weight: bold;
  padding: 5px 0px 10px 0px;
  font-size: 15px;
}

.why_adv_title
{
  padding-left: 10px;
  background-color: #fdf9d5;
  font-family: times new roman, arial, helvetica, sans-serif;
  border-bottom: 1px solid #FFB900;
  font-size: 28px;
}