body 
{
background-color: transparent;
padding: 0px; 
margin: 0px;
} 

td
{
background-color: transparent;
font-size : 12px; 
color : #063467;
font-family : verdana, arial, sans-serif;
text-decoration : none; 
font-weight: normal;
line-height:18px;
}

td.menu
{
background: url(top-menu-bkg.jpg) no-repeat scroll 0% 0%;
width:147px;
height:48px;
background-position:center;
}

td.menu:hover
{
background: url(top-menu-hov-bkg.jpg) no-repeat scroll 0% 0%;
width:147px;
height:48px;
background-position:center;
}

a.menu-txt
{
font-family:Verdana, Courier;
font-size:13px;
font-weight:bold;
color:#ffffff;
text-decoration:none;
}

a.menu-txt:visited
{
font-family:Verdana, Courier;
font-size:13px;
font-weight:bold;
color:#ffffff;
text-decoration:none;
}

a.menu-txt:hover
{
font-family:Verdana, Courier;
font-size:13px;
font-weight:bold;
color:#fdf755;
text-decoration:none;
}
 td.mid-menu-bkg
 {
 background: url(second-menu-bkg.jpg) no-repeat scroll 0% 0%;
 height:54px;
 }
 
 td.phone
 {
 font:Arial, Helvetica, sans-serif, Verdana;
font-size:16px;
font-weight:bold;
color:#063467;
 }
 
td.footer
{
background: #0055b2 url(footer-bkg.jpg) no-repeat;
width:900px;
color:#ffffff;
}

a.footer-link
{
font-family:Verdana, Courier;
font-size:11px;
font-weight:normal;
color:#ffffff;
text-decoration:none;
}

a.footer-link:visited
{
font-family:Verdana, Courier;
font-size:11px;
font-weight:normal;
color:#ffffff;
text-decoration:none;
}

a.footer-link:hover
{
font-family:Verdana, Courier;
font-size:11px;
font-weight:normal;
color:#fdf755;
text-decoration:underline;
}
/* menu starts here*/

h1
{
padding:0px;
margin:0px;
font-size:14px;
line-height:22px;
}