* {margin:0; padding:0;}
body, div, span, p, a, img, ul, li, table, tr, td {border:0;}
body {padding: 0; background: #fff; font: 0.8em/1.5 "arial",sans-serif; color: #354146; text-align: center;}
a {color:#1666a3;}
a:link {color:#1666a3;}
a:hover {color:#0b4775;}
h2, h3 {margin:15px 0 10px 0;}
h2 {font-size:130%; color: #354146;font-weight: bold; padding: 0;margin:0;text-shadow:#fff 0 1px 0;}
h3 {font-size:120%; text-shadow:#fff 0 1px 0;}
#intro{padding: 20px 0; background: #e6e8e9; height: auto;}
#intro-in{width:878px; margin:0 auto;}
#nav {width:100%; height:35px; margin:0 auto; background:#45617F; text-shadow:#333 0 1px 0;}
#nav ul {width:878px; margin:0; padding:0; list-style:none; height: 35px;}
#nav ul li {float:left; display:block; margin:0; padding:0;}
#nav ul li a {display: block; float: left; font-size: 100%; color: #bbb; text-decoration: none; padding: 10px 20px 12px; text-align: center; font-weight:bold;}
#nav ul li a:hover {color: #333; text-decoration: none; background:#e6e8e9; font-weight:bold;text-shadow:#fff 0 1px 0;}
#nav ul li#active a {color: #333; background:#e6e8e9; text-decoration: none; font-weight:bold;text-shadow:#fff 0 1px 0;}
.content {padding: 0 0 0 0; z-index: 10; width:891px; margin:0 auto;}
.content .in{padding: 20px 0 30px;}
p.intro{background: url("line.jpg"); line-height: 23px; margin:0 0 0;}
.shadow{border-top: 1px solid #dddddd; padding: 10px 0; background: url("shadow.jpg") no-repeat;}
.columns {list-style: none;margin:10px 0 0 0;padding:0; font-size: 90%;}
.columns li{float: left; width: 32%;}
.columns li.col2{border-left: 1px solid #d7d7d7;border-right: 1px solid #d7d7d7;}
td {font-size: 80%;}
.columns li h3{padding: 0 10px;color: #2e4650; margin: 0 0 5px;}
.columns li.col2 h3{padding-left: 20px;}
.columns li.col3 h3{padding-left: 20px;}
.columns li p{line-height: 22px;padding: 0 20px 0 10px; margin: 0; color: #3f4345;}
.columns li.col2 p{padding: 0 20px 0 20px;}
.columns li.col3 p{padding: 0 10px 0 20px;}
#footer {width:891px; margin:0 auto; clear:both; font-size: 85%; padding-bottom: 70px; color: #898989;}
#footer a{color: #898989;}
#footer a:hover{color: #666666; text-decoration: none;}
#footer .f-left, #footer .f-right {padding: 0 10px; }
p {margin:15px 0;}
ul {display:block; margin:15px 0 15px 40px;}
li {display:list-item;}
ul li a {text-decoration:none;} 
.f-left {float:left;}
.f-right {float:right;}
.clear {clear:both;}