*
{
	margin: 0;
	padding: 0;
}

a:link    {text-decoration:none; color: #225284; font-weight: bold;}
a:visited {text-decoration:none; color: #225284; font-weight: bold;}
a:hover   {text-decoration:none; color: white; position: relative; top: 1px;}
a:active  {text-decoration:none; color: white; position: relative; top: 1px;}

a.menu:link    {color: #ccc; text-decoration:none;}
a.menu:visited {color: #ccc; text-decoration:none;}
a.menu:hover   {color: white; text-decoration:none; top: 0px;}
a.menu:active  {color: white; text-decoration:none; top: 0px;}

body, html
{
   font-family: verdana, helvetica, sans-serif;
   font-size: 9pt;
   color: #ccc;
   background-image: url(images/image5.jpg);
   /* background: black; */
   text-align: center;
   height: 100%;  /* necessary */
   margin-top: 10px;
   margin-bottom: 10px;
}

body
{
   text-align: center;
   margin-bottom: 10px;
}

#wrapper
{
   display: table !important;   /* necessary!! FF (and NOT table-cell) */
   background-color: #95aecd;
   color: black;
   width: 750px;
   min-height: 100%;
   margin: auto;
   margin-bottom: 10px;
   border: 3px solid #225284;
   text-align: left;
}

#banner
{
   background-image: url(images/banner.jpg);
   height: 105px;
   width: 750px;
   text-align: center;
   margin: auto;
   border: 3px solid #225284;
}

#banner h1
{
   color: #444;
   padding:5px;
   margin:0;
}

#nav
{
   width: 750px;
   padding-left: 0px;;
   background: #225284;
   text-align: left;
   margin: auto;
   margin-bottom: 8px;
   border-top: 2px solid #859FBB;
   border-left: 3px solid #859FBB;
   border-right: 3px solid #122D48;
   border-bottom: 2px solid #122D48;
}

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

#nav li
{
   display: inline;
   margin: 0 8px 0 0px;
   padding: 0 8px 0 8px;
   border-top: 1px solid #859FBB;
   border-left: 0px solid #859FBB;
   border-right: 3px solid #122D48;
   border-bottom: 1px solid #122D48;
}

#nav li:hover
{
   display: inline;
   margin: 0 8px 0 0px;
   padding: 0 8px 0 8px;
   border-bottom: 2px solid #859FBB;
   border-right: 2px solid #859FBB;
   border-left: 1px solid #122D48;
   border-top: 2px solid #122D48;
}

#left_panel
{
   float: left;
   color: black;
   width: 216px;
   background: #95aecd;
   padding: 15px 4px 8px 4px;
   height: 95%;  /* Opera accommodate bottom wrapper border */
}

#left_panel p
{
   margin-top: 15px;
   padding-left: 4px;
}

#left_panel hr
{
   margin: 0 16px 0 16px;
}

#left_panel ul
{
   margin: 0 8px 0 8px;
   padding: 12px 8px 0 8px;
   list-style-type: disc;
}

#left_panel  li
{
   margin-bottom: 8px;
}

#right_panel
{
   background-color: #ccc;
   width: 519px;
   float: left;
   border: 2px solid #eee;
   padding-bottom: 8px;
}

#right_content
{
   width: 85%;
   text-align: center;
   margin-top: 13px;
   margin-left: auto;
   margin-right: auto;
}

#right_content hr
{
   margin: 0 8px 0 8px;
}