body {
        text-align:left;
        margin:0;
        padding:0;
        font-family: "Bookman Old Style", "Garamond", "Book Antiqua", "Century Schoolbook", serif;
        background-color: #ffffff;
; font-size: 14pt; font-variant: normal}
a:link {
        color: #003366;
        background-color: transparent;
}

a:visited { 
        color: #003366;
        background-color: transparent;
}
a:hover {       
        color: #ccc;
        background-color: transparent;
}

a:active {      
        color: #003366;
        background-color: transparent;
}
h1 {
        font-size: 24pt;
        text-align:center;
; font-family: "Bookman Old Style", "Garamond", "Book Antiqua", "Century Schoolbook", serif}
h2 {
        font-size: 18pt;
        text-align:left;
; font-family: "Bookman Old Style", "Garamond", "Book Antiqua", "Century Schoolbook", serif}
h3 {
        font-size: 16pt;
        text-decoration: underline;
        color: #666;
; font-family: "Bookman Old Style", "Garamond", "Book Antiqua", "Century Schoolbook", serif}
h4 {
        font-size: 1.0em;
}
p {
        text-align: justify;
        font-size: .9em;
}
#holder {
        margin: 0 auto;
        width: 652px;
        border-right:1px solid black;
        border-left:1px solid black;
        background-color: white;
}
#content {
        text-align: left;
        margin:10px 10px 20px 10px;
}