BODY, P, TD, UL, OL, LI, SPAN, DIV, BLOCKQUOTE {
	font-family:Georgia, "Times New Roman", Times, serif;
	font-size: 15px;
	color: #000000;
}
BODY {
	margin: 0px;
	background-color: #DFDFF3;
}
P {
	margin-top: 0;
	margin-bottom: 8px;
}
P.zero {
	margin-top: 0;
	margin-bottom: 0;
}
P.close {
	margin-top: 0;
	margin-bottom: 4px;
}
UL.tight {
	padding-top: 2px;
	padding-bottom: 2px;
	padding-left:0;
}

/* Boxes */
div.hed20 {
	height:20px;
	border:2px solid #243963;
	margin-top:0;
}
div.hed30 {
	height:30px;
	border:2px solid #243963;
	margin-top:0;
}
div.textbox {
	border:1px solid #000;
	margin-top:0;
	padding-top:20px;
	padding-left:10px;
	padding-right:10px;
	padding-bottom:20px;
}
div.L10 {
		padding-left:10px;
}

/* Standard Headlines */
H1, H2, H3, H4, H5, H6 {
	text-align: center;
	font-weight: bold;
	margin-top: 0em;
	margin-bottom: 0.3em;
}
H1 {
	font-size: 26px;
}
H2 {
	font-size: 24px;
}
H3 {
	font-size: 22px;
}
H4 {
	font-size: 20px;
}
H5 {
	font-size: 18px;
}
H6 {
	font-size: 16px;
}

/* Horizontal Rules */
div.hr4 {
	width: 100%;
	height: 4px;
	background-image:url(https://www.makeadifference.com/img/MD_horiz-rul_4.png);
	background-repeat:repeat;
}

/* Page Margin divisions */
div.body {
	margin-left:20px;
}

/* lists */
ul.nobul {
	list-style-type: none;
	padding-left:25px;
	margin-top:0px
	margin-left:25px;
}
/* text margins */
.m10 {
	margin-left:10px;
	margin-top:10px;
	margin-right:10px;
	margin-bottom:10px;
}
.m0 {
	margin-left:0px;
	margin-top:0px;
	margin-right:0px;
	margin-bottom:0px;
}
.m0T {
	margin-top:0px;
}
.m0B {
	margin-bottom:0px;
}
.m0L {
	margin-left:0px;
}
.m0R {
	margin-right:0px;
}
.m5 {
	margin-left:5px;
	margin-top:5px;
	margin-right:5px;
	margin-bottom:5px;
}
.m5T {
	margin-top:5px;
}
.m5B {
	margin-bottom:5px;
}
.m5L {
	margin-left:5px;
}
.m5R {
	margin-right:5px;
}
.m10 {
	margin-left:10px;
	margin-top:10px;
	margin-right:10px;
	margin-bottom:10px;
}
.m10L {
	margin-left:10px;
}
.m10T {
	margin-top:10px;
}
.m10B {
	margin-bottom:10px;
}
.m10R {
	margin-right:10px;
}
.m10TL {
	margin-left:10px;
	margin-top:10px;
}
.m10TLR {
	margin-left:10px;
	margin-top:10px;
	margin-right:10px;
}
.m20 {
	margin-left:20px;
	margin-top:20px;
	margin-right:20px;
	margin-bottom:20px;
}
.m20L {
	margin-left:20px;
}
.m20T {
	margin-top:20px;
}
.m20B {
	margin-bottom:20px;
}
.m20R {
	margin-right:20px;
}
.m20TL {
	margin-left:20px;
	margin-top:20px;
}
.m20TLR {
	margin-left:20px;
	margin-top:20px;
	margin-right:20px;
}
.m30 {
	margin-left:30px;
	margin-top:30px;
	margin-right:30px;
	margin-bottom:30px;
}
.m30L {
	margin-left:30px;
}
.m30T {
	margin-top:30px;
}
.m30B {
	margin-bottom:30px;
}
.m30R {
	margin-right:30px;
}
.m30TL {
	margin-left:30px;
	margin-top:30px;
}
.m30TLR {
	margin-left:30px;
	margin-top:30px;
	margin-right:30px;
}


TD.text5, div.text5 {
	padding-left:5px;
	padding-top:5px;
	padding-right:5px;
	padding-bottom:5px;
}
TD.text10, div.text10 {
	padding-left:10px;
	padding-top:10px;
	padding-right:10px;
	padding-bottom:10px;
}
TD.text10T, div.text10T {
	padding-top:10px;
}
TD.text10L, div.text10L {
	padding-left:10px;
}
TD.text10TL, div.text10TL {
	padding-left:10px;
	padding-top:10px;
}
TD.text10TLR, div.text10TLR {
	padding-left:10px;
	padding-top:10px;
	padding-right:10px;
}
TD.text10LR, div.text10LR {
	padding-left:10px;
	padding-right:10px;
}
TD.text20, div.text20 {
	padding-left:20px;
	padding-top:20px;
	padding-right:20px;
	padding-bottom:20px;
}
TD.text20L, div.text20L {
	padding-left:20px;
}
TD.text20T, div.text20T{
	padding-top:20px;
}
TD.text20TL, div.text20TL {
	padding-left:20px;
	padding-top:20px;
}
TD.text20TLR, div.text20TLR {
	padding-left:20px;
	padding-top:20px;
	padding-right:20px;
}
TD.text20LR, div.text20LR {
	padding-left:20px;
	padding-right:20px;
}
TD.text30, div.text30 {
	padding-left:30px;
	padding-top:30px;
	padding-right:30px;
	padding-bottom:30px;
}
TD.text30L, div.text30L {
	padding-left:30px;
}
TD.text30T, div.text30T {
	padding-top:30px;
}
TD.text30TL, div.text30TL {
	padding-left:30px;
	padding-top:30px;
}
TD.text30TLR, div.text30TLR {
	padding-left:30px;
	padding-top:30px;
	padding-right:30px;
}
TD.text30LR, div.text30LR {
	padding-left:30px;
	padding-right:30px;
}

/* Text Sizing - STANDARD is 16px */
.pxup12 {
	font-size: 28px;
}
.pxup10 {
	font-size: 26px;
}
.pxup8 {
	font-size: 24px;
}
.pxup6 {
	font-size: 22px;
}
.pxup4 {
	font-size: 20px;
}
.pxup4l {
	font-size: 22px;
	line-height: 24px;
}
.pxup3 {
	font-size: 19px;
}
.pxup2 {
	font-size: 18px;
}
.pxup1 {
	font-size: 17px;
}
.pxdn1 {
	font-size: 15px;
}
.pxdn1l {
	font-size: 15px;
	color: inherit;
}
.pxdn2 {
	font-size: 14px;
}
.pxdn3 {
	font-size: 13px;
}
.pxdn4 {
	font-size: 12px;
}
.pxdn5 {
	font-size: 11px;
}
.pxdn6 {
	font-size: 10px;
}


/* BLOCKQUOTES */
BLOCKQUOTE {
	margin-right: 8px;
	margin-left: 10px;
	margin-top: 10px;
	margin-bottom: 10px;
}

/* Special Section Fonts */
.footer {
	font: normal 10px verdana;
	color: #333333;
}

/* LINKS */
A.linkpxdn1 {
	font-size: 13px;
	color: #6565c2;
/* 	color: #505fb5;  */
	font-weight:bold;
	text-decoration: none;
}
A:link {
	color: #46468d;
/* 	color: #6565c2;
/* 	color: #505fb5;  */
	font-weight:bold;
	font-size:inherit;
	text-decoration: underline;
}
A:hover {
	color:#223498;
	font-weight:bold;
	font-size:inherit;
	text-decoration: none;
}
A:visited {
	color: #46468d;
/*	color: #505fb5;   */
	font-weight:bold;
	font-size:inherit;
	text-decoration: none;
}
A:active {
	color: #34449b;
	font-weight:bold;
	font-size:inherit;
	text-decoration: none;
}

/* Section Heads in Colors */
.hed_blue_up10 { 	
	font-size: 26px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue_up8 {	
	font-size: 24px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue_up6 { 	
	font-size: 22px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue_up4 {	
	font-size: 20px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue_up3 {	
	font-size: 19px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue_up2 {	
	font-size: 18px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue_up1 {	
	font-size: 17px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue {	
	font-size: 16px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue_dn1 {	
	font-size: 15px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue_dn2 {	
	font-size: 14px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue_dn3 {	
	font-size: 13px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue_dn4 {	
	font-size: 12px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_blue_dn5 {	
	font-size: 11px;
	line-height: normal;
	font-weight: bold;
	color: #46468d;
	margin: 0 0 0 0;
}	
.hed_grey_up10 { 	
	font-size: 26px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey_up8 {	
	font-size: 24px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey_up6 { 	
	font-size: 22px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey_up4 {	
	font-size: 20px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey_up3 {	
	font-size: 19px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey_up2 {	
	font-size: 18px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey_up1 {	
	font-size: 17px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey {	
	font-size: 16px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey_dn1 {	
	font-size: 15px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey_dn2 {	
	font-size: 14px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey_dn3 {	
	font-size: 13px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey_dn4 {	
	font-size: 12px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_grey_dn5 {	
	font-size: 11px;
	line-height: normal;
	font-weight: bold;
	color: #323232;
	margin: 0 0 0 0;
}	
.hed_red2_up10 { 	
	font-size: 26px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2_up8 {	
	font-size: 24px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2_up6 { 	
	font-size: 22px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2_up4 {	
	font-size: 20px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2_up3 {	
	font-size: 19px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2_up2 {	
	font-size: 18px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2_up1 {	
	font-size: 17px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2 {	
	font-size: 16px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2_dn1 {	
	font-size: 15px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2_dn2 {	
	font-size: 14px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2_dn3 {	
	font-size: 13px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2_dn4 {	
	font-size: 12px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_red2_dn5 {	
	font-size: 11px;
	line-height: normal;
	font-weight: bold;
	color: #800000;
	margin: 0 0 0 0;
}	
.hed_white_up10 { 	
	font-size: 26px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white_up8 {	
	font-size: 24px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white_up6 { 	
	font-size: 22px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white_up4 {	
	font-size: 20px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white_up3 {	
	font-size: 19px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white_up2 {	
	font-size: 18px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white_up1 {	
	font-size: 17px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white {	
	font-size: 16px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white_dn1 {	
	font-size: 15px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white_dn2 {	
	font-size: 14px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white_dn3 {	
	font-size: 13px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white_dn4 {	
	font-size: 12px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_white_dn5 {	
	font-size: 11px;
	line-height: normal;
	font-weight: bold;
	color: #ffffff;
	margin: 0 0 0 0;
}	
.hed_tahoma {
	font-family:Tahoma, Geneva, sans-serif;
}

/* Forms and Buttons */
input, select, option, textarea, .form {
	font: normal 10px verdana;
	color: #333333;
	border-top: solid 1px #666633;
	border-left: solid 1px #666633;
	border-right: solid 1px #DADAB6;
	border-bottom: solid 1px #DADAB6;
	background-color: #DFDFF3;
}
.button {
	font: bold 10px verdana;
	color: #666633;
	background-color: #DFDFF3;
	border-top: solid 2px #DADAB6;
	border-left: solid 2px #DADAB6;
	border-right: solid 2px #666633;
	border-bottom: solid 2px #666633;
	cursor: hand;
}

.lift /* raises letters up next to Audio buttons */  { 
	position: relative; 
	bottom: 6px 
}
.sup /* raises letters up next to Audio buttons */   { 
	font-size: 10px; 
	position: relative; 
	bottom: 4px 
}
.sup2 { 
	font-size: 16px; 
	position: relative; 
	bottom: 6px;
}
.indent { 
	text-indent: 2em; 
	margin-top: 0; 
	margin-bottom: 0; 
}
.indent12 { 
	font-size: 12pt; 
	text-indent: 2em;
	margin-top: 0; 
	margin-bottom: 0;
}
.red {
	color: #d30b0b;
}
.red2 {
	color: #800000;
}
.teal {
	color: #004040;
}
.blue {
	color: #46468d;
}

/* text background color bars */
.yelobar {
	background-color: #ffff99;
}
.yelobar12 {
	background-color: #ffff99;
	font-size: 16px;
}
.yelobar14 {
	background-color: #ffff99;
	font-size: 18px;
}
div.countercover {
	width:100px;
	background-color:#75c5ea;
}