body {
	font-family: Verdana, Geneva, Arial, sans-serif;
	font-size: 11px;
	color: #000000;
	background-color:#EBEBEB;
	margin-bottom: 0px;
	margin-left: 0px;
	margin-right: 0px;
	margin-top: 0px;
}

a {
	color: #366471;
	text-decoration:none;
}
a:visited {
	color: #366471;
	text-decoration:none;
}
a:hover {
	color: #366471;
	text-decoration:underline;
}
a:active {
	color: #366471;
	text-decoration:none;
}

.headline {
	font-size: 16px;
	color:#468193;
	font-weight: bold;
}

hr {
	color:#398096;
	width:95%;
	margin:0px;
}


ul {
	margin-top:5px;
	list-style-type: square;
	}
	
.subtopic {
	font-size: 12px;
	font-weight: bold;
	font-style:italic;
}

.required {
	font-size: 10px;
	color: red;
	vertical-align: top;
}

nav {
color:#000000;
background-color:#F7DDBA;
text-decoration:none;
line-height:25px;
padding:5px 15px 5px 15px;
}

a.nav {
color:#000000;
background-color:#F7DDBA;
text-decoration:none;
line-height:25px;
padding:5px 15px 5px 15px;
}
a.nav:visited {
color:#000000;
}
a.nav:hover {
color:#FFFFFF;
background-color:#398096;
text-decoration:none;
}
a.nav:active {
color:#000000;
}

.nav_select {
line-height:25px;
padding:5px 20px 5px 20px;
color:#FFFFFF;
background-color:#398096;
}

a.subnav {
font-size:10px;
text-decoration:none;
line-height:20px;
padding:3px 8px 3px 8px;
color:#FFFFFF;
}
a.subnav:visited {
color:#FFFFFF;
}
a.subnav:hover {
color:#FFFFFF;
text-decoration:underline
}
a.subnav:active {
color:#FFFFFF;
}

a.footer {
font-size:10px;
text-decoration:none;
line-height:25px;
padding:5px 15px 5px 15px;
color:#000000;
}
a.footer:visited {
color:#000000;
}
a.footer:hover {
color:#000000;
text-decoration:underline
}
a.footer:active {
color:#000000;
}

.contact {
font-size:10px;
color:#FFFFFF;
line-height:30px;
}

.borders {
border:1px solid #000000;
}

.borders_right {
border-right:1px solid #000000;
}

.sidebar_bg {
background-image:url(http://tipss.haleymarketing.com/images/common/TIPSSsubpage_08.gif);
background-repeat:repeat-y;
background-position:top center;
}