body { margin:0; padding:0; background-color:white; padding:20px 20px 20px 20px; }

td { font-family: Arial, Helvetica, sans-serif; font-size:11px; color: #000000;}
p { font-family: Arial, Helvetica, sans-serif; font-size:11px; color: #000000;}
td { font-family: Arial, Helvetica, sans-serif; font-size:11px; color: #000000;}
.text { font-family: font-family: Arial, Helvetica, sans-serif; font-size:12px; color: #000000; padding:0 10px 0 0; line-height:1.5em;}
.small { font-family: font-family: Arial, Helvetica, sans-serif; font-size:10px; color: #000000; padding:0 10px 0 10px; line-height:1.5em;}
.large { font-family: font-family: Arial, Helvetica, sans-serif; font-size:12px; color: #000000; padding:0 10px 0 10px; line-height:1.5em;}
div { font-family: Arial, Helvetica, sans-serif; font-size:11px; color: #000000;}
.white { font-family: font-family: Arial, Helvetica, sans-serif; font-size:14px; color: #FFFFFF; padding:10px 10px 0 10px; line-height:1.5em;
 font-weight:bold;}

.paragraphtitle { padding:0 0 10px; font-weight:bold; }
.paragraph { padding:0 0 10px; }
.bullets { padding:5px 0 10px; }

.formrow { padding:5px 0 5px 0; font-family: Arial, Helvetica, sans-serif; font-size: 12px; height:25px;}
.formtext {font-family: Arial, Helvetica, sans-serif; font-size: 12px;  }

.homepagewhite { background-color:#787878; color:#FFFFFF; line-height:16px;"}
a { font-family: Arial, Helvetica, sans-serif; font-size:11px; color: #cc0000;}

.heading { font-size: 25px;  color: #000000; }