body {
	margin-top: 0;
	margin-left: 0;
	margin-right: 0;
	margin-bottom: 0;
	background-color: #272727; 
	font-family: Arial, Helvetica, sans-serif;
	}

td {
	font-family: Arial, Helvetica, sans-serif;
	}
	
a:link, a:visited {
	color: #004BBD;
	font-style: italic;
	font-weight: bold;
	text-decoration: none;
	}
	
a:hover {
	text-decoration: underline;
	}
	
#banner {
	border-bottom: 1px solid #E5E5E5;
	}
	
/* BEGIN DROP-DOWN MENUS	*/

#menu_bar {
	margin: 0;
	padding: 0;
	background-image: url(images/menu_bkgnd_slice.jpg);
	background-repeat: repeat-y;
	}
	
#menu, #menu ul {
	padding-left: 26px;
	margin: 0;
	list-style: none;
	}
	
#menu li {
	float: left;
	}
	
#menu li:hover ul, #menu li.sfhover ul {
	left: auto;
	}
	
#menu li:hover, #menu li.sfhover {
	background: #FFB400;
	color: #071A36;
	}
	
#menu li#about:hover a, #menu li#about.sfhover a {
	color: #071A36;
	}
	
#menu li#services:hover a, #menu li#products.sfhover a {
	color: #071A36;
	}
	
#menu li#employers:hover a, #menu li#news.sfhover a {
	color: #071A36;
	}
	
#menu li#associations:hover a, #menu li#employment.sfhover a {
	color: #071A36;
	}
	
#menu li#payers:hover a, #menu li#contact.sfhover a {
	color: #071A36;
	}
	
#menu li#members:hover a, #menu li#contact.sfhover a {
	color: #071A36;
	}
	
#menu li#home:hover a, #menu li#home.sfhover a {
	color: #071A36;
	}

#menu li ul li a {
	color: #071A36;
	}
		
#menu a {
	color: #FFFFFF;
	font-style: normal;
	font-size: 11px;
	font-weight: 100;
	display: block;
	padding: 4px;
	text-decoration: none;
	}
	
#menu a:hover {
	color: #071A36;
	}
	
#about {
	width: 100px;
	letter-spacing: 1px;
	}
	
#about ul {
	background-color: #FFF;
	border-left: 1px solid #595959;
	border-right: 1px solid #595959;
	border-bottom: 1px solid #595959;
	position: absolute;
	margin: 0 0 0 -1px;
	padding-left: 0;
	width: 150px;
	left: -999em;
	}
	
#about ul li {
	border-top: 1px solid #595959;
	letter-spacing: 0;
	width: 150px;
	}
	
#about ul li:hover, #about ul li.sfhover {
	width: 150px;
	}

#products {
	width: 78px;
	letter-spacing: 1px;
	margin-left: 20px;
	}

#products ul {
	background-color: #FFF;
	border-left: 1px solid #595959;
	border-right: 1px solid #595959;
	border-bottom: 1px solid #595959;
	line-height: 13px;
	position: absolute;
	margin: 0 0 0 -1px;
	padding-left: 0;
	width: 160px;
	left: -999em;
	}
	
#products ul li {
	border-top: 1px solid #595959;
	letter-spacing: 0;
	width: 160px;
	}

#products ul a {
	color: #071A36;
	display: block;
	}
	
#products ul a.parent {
	background: url(images/right_arrow.gif) right no-repeat;
	width: 150px;
	display: block;
	}
	
#products ul li ul {
	margin: -22px 0 0 160px;
	visibility: hidden;
	}
	
#products ul li:hover ul, #products ul li.sfhover ul {
	width: 160px;
	visibility: visible;
	}
	
#news {
	width: 140px;
	letter-spacing: 1px;
	margin-left: 20px;
	}
	
#news ul {
	background-color: #FFF;
	border-left: 1px solid #595959;
	border-right: 1px solid #595959;
	border-bottom: 1px solid #595959;
	position: absolute;
	margin: 0 0 0 -1px;
	padding-left: 0;
	width: 100px;
	left: -999em;
	}
	
#news ul li {
	border-top: 1px solid #595959;
	letter-spacing: 0;
	width: 100px;
	}
	
#news ul li:hover, #news ul li.sfhover {
	width: 100px;
	}
	
#employment {
	width: 92px;
	letter-spacing: 1px;
	margin-left: 20px;
	}
	
#employment ul {
	background-color: #FFF;
	border-left: 1px solid #595959;
	border-right: 1px solid #595959;
	border-bottom: 1px solid #595959;
	position: absolute;
	margin: 0 0 0 -1px;
	padding-left: 0;
	width: 140px;
	left: -999em;
	} 
	
#employment ul li {
	border-top: 1px solid #595959;
	letter-spacing: 0;
	width: 140px;
	}

#employment ul li:hover, #employment ul li.sfhover {
	width: 140px;
	}
	
#contact {
	width: 90px;
	letter-spacing: 1px;
	margin-left: 20px;
	}
	
#contact ul {
	background-color: #FFF;
	border-left: 1px solid #595959;
	border-right: 1px solid #595959;
	border-bottom: 1px solid #595959;
	position: absolute;
	margin: 0 0 0 -1px;
	padding-left: 0;
	width: 150px;
	left: -999em;
	}
	
#contact ul li {
	border-top: 1px solid #595959;
	letter-spacing: 0;
	width: 150px;
	}
	
#contact ul li:hover, #contact ul li.sfhover {
	width: 150px;
	}
	
#home {
	width: 45px;
	letter-spacing: 1px;
	margin-left: 20px;
	}
	
/* END DROP-DOWN MENUS	*/
	
	
#content_page_left {
	background-color: #DDE0F0;
	border-top: 1px solid #595959;
	border-right: 1px solid #595959;
	}

#body_left {	
	clear: both;
	background-color: #DDE0F0;
	border-right: 1px solid #595959;
	border-top: 1px solid #595959;
	padding: 0 25px 0 30px;
	color: #071A36;
	font-size: 12px;
	line-height: 16px;
	}
	
#body_left h4 {
	font-size: 16px;
	color: #071A36;
	}
	
#body_left ul {
	font-size: 12px;
	}

#body_left table td {
	line-height: 20px;
	padding: 0 10px 0 10px;
	}
	
#body_left hr {
	margin-top: 5px;
	margin-bottom: -5px;
	}
	
#address_home {
	text-align: right;
	border-right: 1px solid #666;
	}
	
#body_right {
	clear: left;
	border-top: 1px solid #595959;
	background-color: #FFFFFF;
	color: #071A36;
	font-size: 12px;
	line-height: 18px;
	padding: 10px 45px 0 45px;
	}
	
h4 {
	font-size: 16px;
	color: #003380;
	margin-top: 8px;
	margin-bottom: 8px;
	}
	
h3 {
	font-size: 14px;
	color: #003380;
	margin-top: 8px;
	margin-bottom: 8px;
	}
	
h2 {
	font-size: 12px;
	color: #003380;
	margin-top: 8px;
	margin-bottom: 8px;
	}
	
#body_right hr {
	margin-top: 5px;
	margin-bottom: -5px;
	}
	
#body_right blockquote {
	margin: 3px 15px 12px 35px;
	}

#page_footer {
	margin: 8px 0 8px 0;
	}
	
#page_footer hr {
	margin-bottom: 5px;
	}
	
.fineprint {
	font-size: 10px;
	}
	
.formtext {
	font-size: 12px;
	color: #004BBD;

	}