/* css reset - makes the layout looking good in all browsers */
html, body, div, span, applet, object, iframe, h1, h2, h3, h4, h5, h6, p, blockquote, pre, a, abbr, acronym, address, big, cite, code, del, dfn, em, img, ins, kbd, q, s, samp, small, strike, strong, sub, sup, tt, var, b, u, i, center, dl, dt, dd, zzzzzol, zzzzzul, zzzzzli, fieldset, form, label, legend, table, caption, tbody, tfoot, thead, tr, th, td, article, aside, canvas, details, embed, figure, figcaption, footer, header, hgroup, menu, nav, output, ruby, section, summary, time, mark, audio, video {
	margin: 0;
	padding: 0;
	border: 0;
	font-size: 100%;
	font: inherit;
	vertical-align: baseline; }
article, aside, details, figcaption, figure, footer, header, hgroup, menu, nav, section {
	display: block; }
body {
	}
/*
ol, ul {
	list-style: none; }
*/


.normalBody
{
  scrollbar-base-color: #FFFFFF;
  scrollbar-arrow-color: #D0D0D0;
  scrollbar-face-color: #F0F0F0;
  scrollbar-shadow-color: #FFFFF;
  scrollbar-darkshadow-color: #FFFFF;
  scrollbar-3dlight-color: #FFFFFF;
  scrollbar-highlight-color: #FFFFFF;
  scrollbar-track-color: #FFFFFF;
	font-family: Trebuchet MS;
	font-size: 12px;
}
 
.imageArea
{
    padding: 0px;
    font-size: 12px;
    border-top: 1px solid #ffcc99; 
    border-bottom: 1px solid #ffcc99; 
}
.linksbold
{
	font-family: Trebuchet MS;
	font-size: 12px;
    text-decoration: none;
    font-weight: bold;
    color: #000000;
}
.links
{
	font-family: Trebuchet MS;
	font-size: 12px;
    font-weight: default;
    text-decoration: none;
    color: #000000;
}
.leftlinks
{
	font-family: Trebuchet MS;
	font-size: 12px;
    font-weight: bold;
    text-decoration: none;
    color: #000000;
}
.leftlinkscomment
{
	font-family: Trebuchet MS;
	font-size: 12px;
    font-weight: default;
    text-decoration: none;
    color: #404040;
}
.leftAreaText
{
    font-family: Trebuchet MS;
    font-size: 12px;
    color: #9f5c29;
    padding-left:15px;
    font-weight: bold;
}
.midAreaText
{
    padding-left: 10px;
    font-family: Trebuchet MS;
    font-size: 12px;
    color: #9f5c29;
    border-right: 1px solid #ffcc99; 
    font-weight: bold;
}
.rightAreaText
{
    padding-left: 10px;
    font-family: Trebuchet MS;
    font-size: 12px;
    color: #9f5c29;
    font-weight: bold;
}
.menuText
{
	font-family: Trebuchet MS;
	font-size: 12px;
	font-weight:bold;
	color: #000000;
  text-decoration: none;
  cursor: hand;
}
.riscadvice
{
	font-family: Trebuchet MS;
	font-size: 22px;
  font-weight: bold;
  background-color: #FFFFC0;
  padding: 10px 10px 10px 10px;
  border-bottom: 1px solid #c0c0c0;
  text-align: center;
}
.headline1
{
	font-family: Trebuchet MS;
	font-size: 18px;
}
.headline2
{
	font-family: Trebuchet MS;
	font-size: 15px;
}
.normalText
{
	font-family: Trebuchet MS;
	font-size: 12px;
	padding-left: 10px;
	padding-right: 10px;
}
.smallText
{
	font-family: Trebuchet MS;
	font-size: 10px;
}

.code
{
	font-family: Courier;
	font-size: 10px;
	background: #f0f0f0;
}


/* Main Styles */	
	
#wrapper{
	margin:0 auto;
	margin-top:0px;
}


/* Drop-Down Menu */
#nav {
	position:relative;
	margin:0 auto;
}
ul#navigation {
	margin:0px auto;
	float:left;
  list-style: none;
}
ul#navigation li {
	display:inline;
	font-size:13px;
	font-weight:bold;
	margin:4px;
	padding-left:10px;
	float:left;
	position:relative;
  font-family: Trebuchet MS;
  list-style: none;
}
ul#navigation li a {
	color:#000000;
	text-decoration:none;
	display:inline-block;
}
ul#navigation li a:hover {
	color:#0000FF;
}
ul#navigation li:hover > a {
}
ul#navigation li:hover > ul
{
	visibility:visible;
  list-style: none;
}
ul#navigation ul, ul#navigation ul li ul {
	list-style: none;
    margin: 0;
    padding: 0;    
	visibility:hidden;
    position: absolute;
    z-index: 99999;
	width:180px;
}
ul#navigation ul {
  background-color: #F0F0F0;
  border-color: #c0c0c0;
  border-width: 1px;
  border-style: solid;
  list-style: none;
}
ul#navigation ul li ul {
    top: 0;
    left: 170px;
}
ul#navigation ul li {
	clear:both;
	width:100%;
}
ul#navigation ul li a {
	background:none;
	padding:0;
	color:#000000;
	text-decoration:none;
	display:inline-block;
	border:0 none;
	float:left;
	clear:both;
	width:150px;
}
ul#navigation li a.first {
	border-left: 0 none;
}
ul#navigation li a.last {
	border-right: 0 none;
}