body {
	background-color: #FFFFFF;
	margin-top: 0px;
}

body,td,th {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	padding: 0;
	margin: 0;
}
/* hr {
    color:#D8E4F8
}*/
h1 {
    display: inline;
	font-size: 1em;
	font-weight:normal;
}
h2 {
    display: inline;
	font-size: 1em;
	font-weight:bold;
}
h3 {
    display: inline;
	font-size: 1em;
}
a:link {
	color: #000000;
		text-decoration: none;
}
a:visited {
	color: #000000;
		text-decoration: none;
}
a:active {
	color: #000000;
	text-decoration: none;
}
a:hover {
    color:#000000;
}
.afflink {
	font-size: 16px;
	font-weight: bold;
	font-style: italic;
}
.cell {
    background-color:#3399FF;
	text-align: center;
	font-weight: bold; 
}
/**.smft {
	font-family: Verdana, Arial, Helvetica, sans-serif; 
	font-size: 9px;
	letter-spacing: -1px; 
}**/
.btm {
	font-family: Verdana, Arial, Helvetica, sans-serif;
	font-size: 10px;
	letter-spacing: -1px;

}  
.ula {
 	list-style-type: none;
	margin-left: 3px;
	padding-left: 3px;
}
.ulstate {
 	list-style-type: none;
	margin-left: 3px;
	padding-left: 3px;
}
.speck {
    visibility: hidden;
	font-family: verdana;
	font-size: -1pt;
	letter-spacing: -100px;
}
.speck a:link {
    	color: #ffffff;
	text-decoration: none;
}
.speck a:visited {
    	color: #ffffff;
	text-decoration: none;
}
.speck a:active {
    	color: #ffffff;
	text-decoration: none;
}
.speck a:hover {
    	color: #ffffff;
	text-decoration: none;
}
#nav1 {
	border: 1px solid;
	border-color: #3399FF;
	padding-top: 5px;
	}
#nav1 a:link {
	color: #000000;
		text-decoration: none;
}
#nav1 a:visited {
	color: #000000;
		text-decoration: none;
}
#nav1 a:active {
	color: #CCCCCC;
	text-decoration: none;
}
#nav1 a:hover {
    color:#00FF00;
}
#nav2 {
	border: 1px solid;
	border-color: #3399FF;
	padding-top: 5px;
}
#nav2 a:link {
	color: #000000;
		text-decoration: none;
}
#nav2 a:visited {
	color: #000000;
		text-decoration: none;
}
#nav2 a:active {
	color: #CCCCCC;
	text-decoration: none;
}
#nav2 a:hover {
    color:#00FF00;
}
#main {
	padding: 3px;
	margin-left: 3px;
}
#main a:link {
	color: #000099;
		text-decoration: none;
}
#main a:visited {
	color: #000099;
		text-decoration: none;
}
#main a:active {
	color: #0000FF;
	text-decoration: none;
}
#main a:hover {
    color:#0000FF;
	text-decoration:underline;
}
#nav3 {
	padding: 3px;
	margin: 0px;
	float:right;
}
#nav3 a:link {
	color: #FF0000;
		text-decoration: none;
}
#nav3 a:visited {
	color: #FF0000;
		text-decoration: none;
}
#nav3 a:active {
	color: #FF0000;
	text-decoration: none;
}
#nav3 a:hover {
    color:#FF0000;
	text-decoration:underline;
}
#nav4 {
	width: 200px;
	padding: 5px;
	margin: 0px;
	margin-left: 10px;
}
#nav4 a:link {
	color: #000099;
		text-decoration: none;
}
#nav4 a:visited {
	color: #000099;
		text-decoration: none;
}
#nav4 a:active {
	color: #0000FF;
	text-decoration: none;
}
#nav4 a:hover {
    color:#0000FF;
	text-decoration:underline;
}
#nav5 {
    width: 150px;
	height: 130px;
	padding-top: 5px;
}
#nav6 {
    width: 574px;
	height: 50px;
	padding-top: 5px;
	
}
#nav7 {
	width: 625px;
	padding: 5px;
	margin: 0px;
	margin-left: 10px;
}
#nav8 {
    width: 150px;
	height: 130px;
	padding-top: 5px;
	background-color:#FFFF00;
}
#lifeinsurance {}
.scr1 {
    width: 423px;
	height: 100px;
	border: 1px solid #F7F7F7;
	padding: 10px; overflow:auto;
}
#scr1 a:link {
	color: #000099;
		text-decoration: none;
}
#scr1 a:visited {
	color: #000099;
		text-decoration: none;
}
#scr1 a:active {
	color: #CCCCCC;
	text-decoration: none;
}
#scr1 a:hover {
    color:#000099;
}

/************** #tab styles **************/
#tabsystem{		
		width: 99%;	
		background-color:#F4F4F4;
		margin: auto;
		}
		
.tabwrap {
		margin-top:20px;
		text-align:center;
		}

.tab {
		width: 100%;
		padding-bottom: 2px;
		padding-top: 2px;
		float:left;
		font-size: .8em;
		cursor: pointer;
        cursor: hand;
		background-color: white;
		}


#panelset {
		height: 230px;
		text-align:left;
		padding: 10px;
		}
		
		
.panel {
		font-size: 1em;
        z-index: 1;
        display: none;
      }
.td {
        border: thin solid;
		border-color: #3399FF;
		border-style: outset;
		
	  }