* {
    padding: 0;
    margin: 0;
} 

body {
	background: #E4E4E4;
	font: .74em Arial, Verdana, sans-serif;
	line-height: 1.25em;
}
a {
	color: #3B6EBF;
	text-decoration: none;
}

a:hover {
	text-decoration: underline;
}


#wrap {
margin: 20px auto 0px;
width: 1005px;
background: #fff url(../images/middle_bg.jpg) repeat-y;
}

#top { 
background: #fff url(../images/top_bg.jpg);
height: 25px;
}

#content {
	padding: 0 40px;
	height: 3344px;
}

#cell_01 {
	padding: 0px;
	background-image: url(../images/hp_mainImage.jpg);
	background-repeat: no-repeat;
	height: 373px;
	width: 924px;
}

#mainNav {
	padding: 0px;
	background-repeat: no-repeat;
	float: left;
	margin: 0px;
	height: 77px;
}

#mainNav_Comment {
	padding: 0px 0px 0px 145px;
	background-repeat: no-repeat;
	float: left;
	margin: 0px;
	height: 77px;
}

#mainNav_Left {
	padding: 0px;
	width: 172px;
	float: left;
	margin-top: 0px;
	margin-right: 20px;
	margin-bottom: 0px;
	margin-left: 0px;
}

#mainNav_Right {
	padding: 0px;
	width: 178px;
	float: left;
}

#homepage_intro {
	width: 600px;
	height: 100px;
	padding-top: 100px;
	padding-right: 0px;
	padding-bottom: 0px;
	padding-left: 25px;
}

#homepage_intro H1 {
	font-size: 1.75em;
	color: #FF9934;
	line-height: 1em;
	padding-bottom: 10px;
}

#three_factors {
	padding: 0px;
	background-image: url(../images/threefactor_bg1.jpg);
	background-repeat: no-repeat;
	width: 924px;
	background-position: bottom;
	height: 242px;
}

#cell_FactorTitle {
	padding: 0px;
	background-image: url(../images/threefactor_bg1.jpg);
	background-repeat: no-repeat;
	height: 35px;
	width: 924px;
}

#cell_Factor01 {
	padding: 10px 25px;
	background-repeat: no-repeat;
	height: 80px;
	width: 258px;
	float: left;
}
#cell_Factor01 H1 {
	font-size: 1.75em;
	color: #CC9900;
	line-height: 1em;
	padding-bottom: 10px;
}

#cell_Factor02 {
	padding: 10px 25px;
	background-repeat: no-repeat;
	height: 80px;
	width: 258px;
	float: left;
}

#cell_Factor02 H1 {
	font-size: 1.75em;
	color: #66A9CC;
	line-height: 1em;
	padding-bottom: 10px;
}

#cell_Factor03 {
	padding: 10px 25px;
	background-repeat: no-repeat;
	height: 80px;
	width: 258px;
	float: left;
}

#cell_Factor03 H1 {
	font-size: 1.75em;
	color: #818181;
	line-height: 1em;
	padding-bottom: 10px;
}

#bottom {

background: #E4E4E4 url(../images/bottom_bg.jpg) no-repeat;
height: 50px;
}

.image {
	border: 0
}

.image a:link {
	border: 0
}

.header {
height: 100px;
background: #85ACF7 url(../images/hidr.jpg);
}
	
.middle {
	float: left;
	width: 59%;
	margin: 0 10px;
	padding: 1% 1%;
	text-align: justify;
}

.right {
	float: left;
	width: 30%;
	margin: 0 10px;
	padding: 1% 1%;
	
}

.right ul {
	padding: 20px 0 15px 20px;
	margin:0;
}

.right li {
	margin-bottom:5px;
	list-style-type: square;
	color: #3B6EBF;
}

.middle h2 { color: #3B6EBF; font-size: 16px; margin-bottom: 10px; margin-top: 10px;}
.right h2 { color: #3B6EBF; font-size: 14px; margin-top: 15px;}


#clear {
	display: block;
	clear: both;
	width: 100%;
	height:1px;
	overflow:hidden;
}

#footer {
	width: 870px;
	text-align: left;
	color: #666;
	margin: 0px auto;
}

#mainNavLogo{
	float:left;
	width:275px;
	height:71px;
	margin:0px;
}
/*Main Nav Links*/

#menu{
	float:left;
	width:182px;
	margin:0px;
	padding-top: 10px;
}

#linksmenu a{
	float:right;
	width:182px;
	height:15px;
	background-color:#FFFFFF;
	border-left:solid 1px #FFFFFF;
	border-bottom:solid 1px #FFFFFF;
	font: 0.7em Arial, sans-serif;
	font-size: 11px;
	font-weight:normal;
	color: #B2B2B2;
	text-decoration:none;
	padding-top:5px;
	text-align: left;
}
#linksmenu a:hover{
	background-color:#FFFFFF;
	color: #F99831;
}
p {
	padding-top: 5px;
}

/*IT*/

#it_content_cell {
margin: 30px auto 0px;
width: 1005px;
background: #fff url(../images/middle_bg.jpg) repeat-y;
}
#it_cell_01 {
	padding: 0px;
	background-image: url(../images/it_MainImage.jpg);
	background-repeat: no-repeat;
	height: 284px;
	width: 924px;
}
#it_cell_02 {
	padding: 0px;
	height: 284px;
	width: 924px;
}

#it_cell_03 {
	padding: 0px;
	width: 924px;
	height: 40px;
}

#it_cell_left {
	padding: 10px 25px;
	height: 3000px;
	width: 584px;
	float: left;
	border-right-style: solid;
	border-right-width: 1px;
	background-image: url(../images/calculator_Watermark.jpg);
	background-repeat: no-repeat;
	background-position: left bottom;
	border-right-color: #CCCCCC;
	margin-top: 0px;
	margin-right: 5px;
	margin-bottom: 0px;
	margin-left: 0px;
}

#it_cell_right {
	padding: 10px 25px;
	background-repeat: no-repeat;
	height: 3000px;
	width: 232px;
	float: left;
	border-left-width: 1px;
	border-left-style: solid;
	border-left-color: #CCCCCC;
}

#it_intro {
	width: 600px;
	height: 70px;
	padding-top: 70px;
	padding-right: 0px;
	padding-bottom: 0px;
	padding-left: 25px;
}

#it_intro H1 {
	font-size: 1.75em;
	color: #FF9934;
	line-height: 1em;
	padding-bottom: 10px;
}

#it_cell_right li {
	padding-top: 5px;
	padding-right: 0px;
	padding-bottom: 5px;
	padding-left: 0px;
	color: #666666;
	font-weight: bold;
}
#it_cell_right ol {
	padding-top: 5px;
	padding-right: 0px;
	padding-bottom: 15px;
	padding-left: 0px;
}
#it_cell_right ol li {
	margin-left: 25px;
}
#it_cell_right ul {
	padding-top: 10px;
	padding-right: 0px;
	padding-bottom: 10px;
	padding-left: 0px;
}
#it_cell_right ul li {
	margin-left: 25px;
	border-bottom-width: 1px;
	border-bottom-style: solid;
	border-bottom-color: #CCCCCC;
	padding-top: 10px;
	padding-right: 0px;
	padding-bottom: 10px;
	padding-left: 0px;
}
#it_cell_right ul ul li {
	margin-left: 25px;
	border: 0px none;
	padding-bottom: 0px;
	margin-bottom: 0px;
	margin-top: 0px;
	margin-right: 0px;
	padding-top: 0px;
	padding-right: 0px;
	padding-left: 0px;
}











#it_cell_left li {
	padding-top: 5px;
	padding-right: 0px;
	padding-bottom: 5px;
	padding-left: 0px;
}

#it_cell_left ol {
	padding-top: 5px;
	padding-right: 0px;
	padding-bottom: 15px;
	padding-left: 0px;
}
#it_cell_left ol li {
	margin-left: 25px;
}
#it_cell_left ul {
	padding-top: 0px;
	padding-right: 0px;
	padding-bottom: 0px;
	padding-left: 0px;
}
#it_cell_left ul li {
	margin-left: 25px;
	padding-top: 5px;
	padding-right: 0px;
	padding-bottom: 5px;
	padding-left: 0px;
}
#it_cell_left ul ul li {
	margin-left: 25px;
	border: 0px none;
	padding-bottom: 0px;
	margin-bottom: 0px;
	margin-top: 0px;
	margin-right: 0px;
	padding-top: 0px;
	padding-right: 0px;
	padding-left: 0px;
}
.faq {
	border-top-width: 1px;
	border-bottom-width: 1px;
	border-top-style: solid;
	border-bottom-style: solid;
	border-top-color: #CCCCCC;
	border-bottom-color: #CCCCCC;
	font-size: 2em;
	font-weight: bold;
	color: #999999;
	text-align: left;
	height: auto;
	line-height: 1em;
	margin: 15px 0px 0px;
	padding: 0px;
}
.backToTop{
	font-size: 0.8em;
	color: #666666;
	line-height: 1em;
	padding-bottom: 10px;
}
.backToTop a {
	color: #666666;
	text-decoration: none;
}

.backToTop a:hover {
	color: #666666;
	text-decoration: underline;
}
.key_points {
	border-bottom-width: 1px;
	border-bottom-style: solid;
	border-bottom-color: #CCCCCC;
	font-size: 2em;
	font-weight: bold;
	color: #999999;
	text-align: left;
	height: 25px;
	line-height: 1em;
	margin: 0px;
	padding: 0px;
}
.key_points_bullets {
	border-bottom-width: 1px;
	border-bottom-style: solid;
	border-bottom-color: #CCCCCC;
	text-align: left;
	height: 25px;
	margin: 0px;
	padding: 10px 0px;
}
.quote {
	font-size: 1em;
	color: #000000;
	line-height: 1.25em;
	padding-bottom: 10px;
	font-weight: bold;
	font-style: italic;
}
h3{
	font-size: 1.25em;
	color: #666666;
	line-height: 1em;
	padding-bottom: 0px;
	padding-top: 15px;

}
h4{
	font-size: 1.25em;
	color: #000000;
	line-height: 1em;
	font-weight: bold;
}
h5{
	font-size: 1em;
	color: #666666;
	line-height: 1.5em;
	padding-bottom: 10px;
	font-weight: bold;
}
h5 a {
	color: #666666;
	text-decoration: none;
}

h5 a:hover {
	color: #000000;
	text-decoration: underline;
}