body	
{
	margin-top: 0px;
	margin-left: 0px;
	margin-right: 0px;
	margin-bottom: 0px;
	background-image:	url("Graphics/palmBG.jpg");
	background-repeat:	repeat;
	background-attachment: fixed;	
    scrollbar-face-color:		#0082BF;
	scrollbar-3dlight-color:	#BB00BB;
	scrollbar-arrow-color:		#FFFFFF;
	scrollbar-darkshadow-color: #0080C0;
	scrollbar-highlight-color:	#FFFFCC;
	scrollbar-shadow-color:		#FFFFFF;
	scrollbar-track-color:		#319FFF;
}
a:link 
{ 
     font-family: Verdana; 
     color: #FFFFFF; 
     font-size: 10pt; 
     font-weight: normal; 
     text-decoration: none;
}
a:visited    
{ 
     font-size: 10pt; 
     font-family: Verdana; 
     color: #FFFFFF; 
     font-weight: normal; 
     text-decoration: none;
}
a:active     
{ 
     font-family: Verdana; 
     font-size: 10pt; 
     color: ##FFFF00; 
     font-weight: normal;
     text-decoration: none;
}
a:hover 
{    
     font-family: Verdana; 
     font-size: 10pt;
     color: #FFFF00;
     font-weight: normal;
     text-decoration: underline;
}
li           
{    
     font-family: Verdana; 
     font-size: 10pt; 
     color: #000000; 
     font-weight: normal; 
     text-align: left; 
     line-height: 175%; 
     margin-left: -5;
}
hr
{
    height:1px;
    width:75%;
    background: #FFFFFF;
    align: left;  
}
.testimonial
{
     text-align: left;
     font-family: Verdana; 
     font-size: 10pt; 
     color: #000000; 
     font-weight: normal;
     font-style: italic;
}
.header
{
     background-color: #6EA1E5;
     padding-top: 0px;
     padding-bottom: 0px;
}
.topNav
{
     background-color: #6EA1E5;
     text-align: right;
     font-family: Verdana; 
     font-size: 10pt; 
     color: #FFFFFF; 
     font-weight: bold;
     padding-top: 5px;
     padding-bottom: 5px;
     padding-right: 10px;
}
.hmCenter
{
     background-color: #6EA1E5;
     text-align: center;
     font-family: Verdana; 
     font-size: 10pt; 
     color: #FFFFFF; 
     font-weight: bold;
     padding-top: 5px;
     padding-bottom: 5px;
}
.content
{
     background-color: #B5CFF2;
     text-align: left;
     font-family: Verdana; 
     font-size: 10pt; 
     color: #000000; 
     font-weight: normal;
     padding-top: 10px;
     padding-bottom: 10px;
     padding-left: 20px;
     padding-right: 20px;
}
.contentCenter
{
     background-color: #B5CFF2;
     text-align: center;
     font-family: Arial; 
     font-size: 10pt; 
     color: #000000; 
     font-weight: normal;
     padding-top: 10px;
     padding-bottom: 5px;
}
.footer
{
     background-color: #6EA1E5;
     text-align: center;
     font-family: Verdana; 
     font-size: 10pt; 
     color: #FFFFFF; 
     font-weight: normal;
     padding-top: 5px;
     padding-bottom: 5px;
}