body {
	background-image: url(/art/bg.gif);
	margin-left: 0px;
	margin-top: 0px;
	margin-right: 0px;
	margin-bottom: 0px;
	background-color: #144898;
	background-repeat: repeat-y;
}
#overall { width:772px;}
#topband {
	height: 25px;
	padding-right:10px;
	text-align:right;
}

#header { height:88px; }
#logo { width:229px;float:left;}
#banner { 
float:left;
background-image:url(/art/hd-quote.gif);
width:543px;
float:left;
height:88px;
font-size:13px;
	
	clear:right;
	 }
.topphone {
padding-top:5px;
	padding-left:13px;
	color: #004C92;
	}
.topphone strong { font-size:20px;}
#nav {
	height:30px;
	background-image: url(/art/nv-under.gif);
	margin-bottom:30px;
	text-align:left;
}

h1, #banner, #footer, #col1, #col2, .topphone {
	font-family:Arial, Helvetica, sans-serif;
}
h1 {
font-size:16px;
font-weight:bold;
color:#004c92;
text-align:left;
}
h2 {
font-size:13px;
font-weight:bold;
color:#004c92;
}

#col1 {
float:left;
width:475px;
margin-left:15px;
margin-right:10px;
padding-right:10px;
border-right: #004c92 dotted 1px;
}
.bdycopy {
font-size:12px;
line-height:17px;
}
#col2 {
	margin-left: 5px;
	margin-right:20px;
	float:left;
	width: 200px;
}
.testimonials {
font-size:12px;
line-height:18px;
color:#004c92;
}
.byline {
font-weight:bold;
font-style:italic;
color:#666666;
}

#footer { 
clear:both;
margin-left:10px;
margin-right:10px;
margin-top:25px;
border-top:#cccccc solid 1px;
padding-top:8px;
font-family:Arial, Helvetica, sans-serif;
font-size:11px;
color:#666666;
margin-bottom:10px;
}
#footer li {
list-style-type:none; 
display:inline;
padding-right:15px;
}
#footer a, #footer a:link, #footer a:visited, #footer a:hover {
text-decoration:none;
color:#333333;
}
.copyright {
padding-top:5px;
color:#999999;
}
#hphoto {
text-align:center;
font-size:12px;
color:#333333;
}
#hphoto p { paddimg-top:0px;margin-top:0px;margin-bottom:2px;padding-bottom:0px;}