body {
    background-color: #4C86BA; 
    border: none;
    margin-top: 0px;
    margin-left: 0;
    margin-right: 0px;
    margin-bottom: 0;
    padding: 0px;
    height: 100.001%;
    font-family: arial, helvetica, sans-serif; 
    font-size: 13px; 
}

a:link,a:visited,a:active {
    color: #4F91CD; 
    text-decoration: underline;
}

a:hover {
    color: #00529B; 
}

a img {
    border: 0px;
}

h1.headline { color: #990000; text-align: center; font-size: 28px; } 

h2.subhead { color: #000099; text-align: center; font-size: 20px; } 

hr {
    width: 100%;
    height: 1px;
    margin: 10px 0px 10px 0px;
    color: #DCE9F5;
    background-color: #DCE9F5;
    border: 0;
}

.bkgr1 {
    background-color: #FFFFFF;
    width: 760px;
    height: 100%;
    margin-left: auto;
    margin-right: auto;
    padding-bottom: 20px;
}

.header {
    background-color: #EDF3F9;
    background-image: url('header.jpg');
    width: 760px;
    height: 84px;
}


.banner {
    width: 468px;
    height: 60px;
    padding: 12px 10px 12px 10px;
    float: left;
}

.logo {
    background-image: url('logo.jpg');
    background-repeat: no-repeat;
    width: 252px;
    height: 47px;
    padding: 25px 10px 12px 10px;
    text-align: right;
    float: left;
}

.testimonial { 
    margin-left: auto ;
    margin-right: auto ;
    width: 500px; 
    padding: 5px; 
    background-image: url('testdivbg.gif'); 
    border: 1px solid #95bde1;"
}

.pagetitle {
    margin: 0px 10px 0px 10px;
    padding: 4px 0px 5px 0px;
    font-size: 1.45em;
    text-align: right;
    border-bottom: 1px solid #DCE9F5;
}

.content {
    margin: 0px 10px 0px 10px;
    width: 740px;
}

.footer { 
    padding-top: 15px;
    text-align: center;
    font-size: 12px;
}