body {
	background:#FFF url(../img/bg_hb.gif) repeat-y center;
	margin:0 0px;
	padding:0;
	text-align: center;
	font-family: verdana;
	font-size: x-small;
	color: #FFFFFF;
	font-weight: bold;
	
	}

a:link {
	color:#3366cc;
	font:bold 8pt verdana, arial, sans-serif;
	text-decoration: none;
	text-align: left;
	height: 100px;
	background-repeat: no-repeat;

}
a:visited {
	color:#3366cc;
	font:bold 8pt verdana, arial, sans-serif;
	text-decoration: none;
	text-align: left;
	height: 100px;
	background-repeat: no-repeat;

}
a:active {
	color:#3366cc;
	font:bold 8pt verdana, arial, sans-serif;
	text-decoration: none;
	text-align: left;
	height: 100px;
	background-repeat: no-repeat;

}

a:hover {

	color:#333;
	font:bold 8pt verdana, arial, sans-serif;
}

h1 {
	color:#236075;
	margin:0;
	padding:0px 0px 0px 12px;
	font-family: verdana, arial, sans-serif;
	font-size: medium;
	line-height: 50px;
}

h2 {
	font:bold 10pt verdana, arial, sans-serif;
	color:#9999cc;
	border: 0px;
	background-image: url(../img/howardB_header3.jpg);
	background-repeat: no-repeat;
	padding-right: 0px;
	padding-left: 12px;
	padding-bottom: 12px;
	padding-top: 10px;
	margin: 0px;
	height: 53px;
	text-align: left;

}
h3 {
	font:bold 10pt verdana, arial, sans-serif;
	color:#9999cc;
	border: 0px;
	background-image: url(../img/howardB_header3.jpg);
	background-repeat: no-repeat;
	padding-right: 0px;
	padding-left: 12px;
	padding-bottom: 12px;
	padding-top: 10px;
	margin: 0px;
	height: 53px;
}
h4 {
	
color:#3366CC;
	margin:0;
	padding:0px 0px 0px 12px;
	font-family: verdana, arial, sans-serif;
	font-size: 12px;
}
h5 {
	font:bold 10pt verdana, arial, sans-serif;
	color:#CCCCCC;
	border: 0px;
	background-image: url(../img/howardB_header4.jpg);
	background-repeat: no-repeat;
	padding-right: 0px;
	padding-left: 12px;
	padding-bottom: 12px;
	padding-top: 10px;
	margin: 0px;
	height: 53px;
	text-decoration: none;

}
h6 {
	font:10pt verdana, arial, sans-serif;
	color:#3366CC;
	border: 0px;
	margin-top: 0px;
	margin-right: 0px;
	margin-bottom: 0px;
	margin-left: 12px;
	background-repeat: no-repeat;
	padding-top: 0px;
	padding-right: 0px;
	padding-bottom: 60px;
	padding-left: 0px;
	/*height: 200px;*/
}


p { 
	font: 10pt verdana; 
	margin: 0px; 
	text-align: left;
	}
li { 
	font: 8pt verdana;
 padding: 3px 12px;
color:#3366CC;
	margin: 0px; 
    height: 40pt;
	text-align: left;
	}

#contain {
	width:1024px;
	margin-left:auto;
	margin-right:auto;
	background-repeat: no-repeat;
	clip:     rect(0px auto auto auto);
	margin-top: 0px;
	margin-bottom: 0px;
	text-decoration: none;
	border: 1px solid #666666;
	text-align: justify;

}
	
#header {
	width: 100%;
	background-image: url(../img/banner.jpg);
	background-repeat: no-repeat;
	height: 185px;
	margin-right: auto;
	margin-left: auto;

}

#leftcol {
	width:183px;
	float:left;
	margin-top: 0px;
	padding-right: 0;
	padding-bottom: 5px;
	padding-left: 0;
	background-repeat: no-repeat;
	padding-top: 0px;

}

#leftcol p {
	margin:0;
	padding-top: 3px;
	padding-bottom: 3px;
	padding-left: 12px;
	padding-right: 12px;

}

#content {
	float:left;
	margin: 0px;
	width: 656px;
	text-align: left;
	border-right-color: #666666;
	border-left-color: #666666;
	padding: 0px;
	border-top-style: none;
	border-right-style: none;
	border-bottom-style: none;
	border-left-style: none;

}

#content p {
	font: 10pt verdana;
	margin:0;
	color: #3366CC;
	text-align: left;
	padding-top: 3px;
	padding-right: 12px;
	padding-bottom: 16px;
	padding-left: 12px;

}

#content ul {
    font: 10pt verdana; 
	padding:3px 12px;
	margin:0;
	color: #3366CC;
}

#rightcol {
	float:right;
	padding-right: 0;
	padding-bottom: 5px;
	padding-left: 0;
	background-repeat: no-repeat;
	background-color: #999999;
	width: 183px;
	margin: 0px;

}

#rightcol p {
	margin:0;
	padding-right: 18px;
	padding-bottom: 3px;
	padding-left: 12px;
	padding-top: -20px;

}

#footer {
	width:1024px;
	clear:both;
	border-top:1px solid #CCC;
	border-bottom:1px solid #CCC;
	background:url(../img/bond-foota.jpg);
	padding:10px 0 3px;
	height: 130px;
	margin-right: auto;
	margin-left: auto;

}

#footer p {
	text-align:center;
	padding-right:4px;
	font:8pt verdana, arial, sans-serif;

}
	
#nav p {
	font-family: Verdana, Arial, Helvetica, sans-serif;
	font-size: 9px;
	text-decoration: none;
	display: inline;
}
#leftcol a:link {
color:#ffffff;
font:bold 8pt verdana, arial, sans-serif;
text-decoration: underline;
height: 50px;
background-repeat: no-repeat;
text-align: left;
}
#leftcol a:visited {
color:#ffffff;
font:bold 8pt verdana, arial, sans-serif;
text-decoration: underline;
height: 50px;
background-repeat: no-repeat;
text-align: left;
}
#leftcol a:active {

color:#ffffff;
font:bold 8pt verdana, arial, sans-serif;
text-decoration: underline;
height: 50px;
background-repeat: no-repeat;
text-align: left;
}
#rightcol a:hover {

color:#ffffff;
font:bold 8pt verdana, arial, sans-serif;
}
#rightcol a:link {
color:#ffffff;
font:bold 8pt verdana, arial, sans-serif;
text-decoration: underline;
height: 50px;
background-repeat: no-repeat;
text-align: left;
}
#rightcol a:visited {
color:#ffffff;
font:bold 8pt verdana, arial, sans-serif;
text-decoration: underline;
height: 50px;
background-repeat: no-repeat;
text-align: left;
}
#rightcol a:active {

color:#ffffff;
font:bold 8pt verdana, arial, sans-serif;
text-decoration: underline;
height: 50px;
background-repeat: no-repeat;
text-align: left;
}
#rightcol a:hover {

color:#ffffff;
font:bold 8pt verdana, arial, sans-serif;
}
#content a:link {
color:#333;
font:bold 8pt verdana, arial, sans-serif;
text-decoration: underline;
height: 0px;
background-repeat: no-repeat;
text-align: left;
}
#content a:visited {
color:#3366cc;
font:bold 8pt verdana, arial, sans-serif;
text-decoration: underline;
height: 0px;
background-repeat: no-repeat;
text-align: left;
}
#content a:active {

color:#3366cc;
font:bold 8pt verdana, arial, sans-serif;
text-decoration: underline;
height: 0px;
background-repeat: no-repeat;
text-align: left;
}
#content a:hover {

color:#333;
font:bold 8pt verdana, arial, sans-serif;
}
#contain #rightcol h6 {
	height: 0px;
}

#contain #content #testimonial {
	color: #3366CC;
	text-align: center;
	font-weight: bold;
}