body,td,th {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	color: #000000;
}
body { 
	background-color: #fff;
	margin:0;
}

/* content */

#container {
	width:680px;
	margin:0 auto;
}
#header {
	position:relative;
	background:url(logo.gif) no-repeat 0 15px;
	height:67px;
	border-bottom:5px solid #CCE4FF;
}
#header-hmf {
	position:relative;
	background:url(logo-hmf.gif) no-repeat 0 15px;
	height:67px;
	border-bottom:5px solid #CCE4FF;
}

.mor-disclosure {
	position:relative;
	width:215px;
	margin-left:465px;
	margin-bottom:-12px;
	font-size:11px;
	text-align:right;
	}

#tagline {
	float:right;
	width:327px;
	height:25px;
	background:url(slogan.gif) no-repeat bottom;
}
#headline {
	text-align:center;
	padding:12px 0;
	border-top:1px solid #90c4ff;
}
.content {
	background-color:#cce4ff;
	border:1px solid #90c4ff;
	padding:6px;
}
#columnLeft {
	float:left;
	background-color:#fff;
	padding:10px;
	width:435px;
}
#columnRight {
	float:right;
	background-color:#f0f7ff;
	padding:10px;
	width:185px;
	font-size:11px;
	line-height:16px;
}
#columnRight .col-img {
	overflow:hidden;
}
#counter {
	text-align:right;
}
.clearer {
	display:block;
}
.sideImg {
	border:3px solid #fff;
	margin-bottom:8px;
}
.sideList {
	margin:10px 0;
	padding:0;
}
.sideList li {
	margin:2px 0 10px 20px;
}
.hilite { 
	color:#ff6c00;
}


/* old steps */

#steps td {
	padding:0 3px;
	background-color:#8DC3FF;
}

#steps .stepC { 
	margin:2px;
	font-size:12px;
	font-weight:bold;
	color:#fff;
	border:1px solid #950000;
	background-color:#FF6C00;
}
#steps .stepO { 
	margin:2px;
	font-size:12px;
	font-weight:bold;
	color:#454545;
	border:1px solid #838383;
	background-color:#bdbdbd;
}
.formtable .formtop { 
	padding:4px 2px 4px 8px;
	background-color:#8dc3ff;
	border-bottom:1px solid #90c4ff;
}


/* navigation */

#navigation {
	width:437px;
	height:26px;
	margin:0;
	padding:0;
	position:absolute;
	right:0px;
	bottom:-1px;
	background:url(navigation.gif);
}
#navigation li {
	margin:0;
	padding:0;
	list-style:none;
	position:absolute;
	top:0;
}
#navigation li, #navigation a {
	height:26px;
	display:block;
}
#nav01 {
	text-indent:-300em;
	overflow:hidden;
	left:0;
	width:103px;
}
#nav02 {
	text-indent:-300em;
	overflow:hidden;
	left:106px;
	width:86px;
}
#nav03 {
	text-indent:-300em;
	overflow:hidden;
	left:195px;
	width:116px;
}
#nav04 {
	text-indent:-300em;
	overflow:hidden;
	left:314px;
	width:123px;
}

#nav01 a:hover {
	background:transparent url(navigation.gif) 0 -26px no-repeat;
}
#nav02 a:hover {
	background:transparent url(navigation.gif) -106px -26px no-repeat;
}
#nav03 a:hover {
	background:transparent url(navigation.gif) -195px -26px no-repeat;
}
#nav04 a:hover {
	background:transparent url(navigation.gif) -314px -26px no-repeat;
}


.nav01on {
	background:transparent url(navigation.gif) 0 -26px no-repeat;
}
.nav02on {
	background:transparent url(navigation.gif) -106px -26px no-repeat;
}
.nav03on {
	background:transparent url(navigation.gif) -195px -26px no-repeat;
}
.nav04on {
	background:transparent url(navigation.gif) -314px -26px no-repeat;
}

/* glossary */

.glossary a {
	font-size:10px;
	display:block;
	color:#034794;
	text-decoration:none;
	padding:3px 0;
	text-align:center;
	background-color:#CCE4FF;
	border:1px solid #90C4FF;
}
.glossary a:hover {
	text-decoration:none;
	background-color:#ff6c00;
	color:#fff;
	border:1px solid #ffc498;
}


/* footer */

#footer {
	padding:10px 0;
	color:#333;
	font-size:11px;
	line-height:16px;
}
#footer a {
	color:#333;
	text-decoration:none;
	border-bottom:1px dotted #999;
}
#footer a:hover {
	color:#000;
	background-color:#ffffcc;
	border-style:none;
}

/* forms */

form {
	margin:0;
}
.formRow td { 
	padding:4px 8px;
	font-size:11px;
	background-color:#E1EFFF;
}
.formtop { 
	background-color:#8DC3FF;
	border-bottom:1px solid #90c4ff;
	font-size:12px;
	padding:2px 8px;
}

.forms {
	margin:3px 0;
}
.formtable td { 
	padding:8px 2px 8px 8px;
	font-size:11px;
	background-color: #E1EFFF;
}
.buttonback {
	background-color:#E1EFFF;
}
#steps td {
	font-size:11px;
}
.stepC { 
	margin:2px;
	font-size:12px;
	font-weight:bold;
	color:#fff;
	border:1px solid #950000;
	background-color:#FF6C00;
	padding:0 3px;
}
.stepO { 
	margin:2px;
	font-size:12px;
	font-weight:bold;
	color:#454545;
	border:1px solid #838383;
	background-color:#bdbdbd;
	padding:0 3px;
}
.note {
	font-size:10px;
}
.subBtn {
	background:url(btnBack.gif) repeat-x bottom #ffc600;
	border:2px solid;
	border-color:#ffd954 #d55a00 #d55a00 #ffd954;
	font-size:14px;
	font-weight:bold;
	padding:1px 4px;
}


/* side copy */

#side01 {
	display:none;
}
#side02 {
	display:none;
}
#side03 {
	display:none;
}
#side04 {
	display:none;
}
	



/* headlines */

#headline h1 {
	font-size:24px;
	margin:0;
}
#headline h3 {
	font-size:16px;
	line-height:24px;
	font-weight:normal;
	margin:0;
}


/* footer image */

.footer-img {
	padding:12px 0;
	text-align:center;
}



/* phone */

#phone-number {
	float:right;
	width:400px;
	text-align:right;
	padding:8px 0 20px;
}
#phone-number img {
	float:right;
	margin:0 0 10px 10px;
	clear:left;
}