html, body, h1, h2, h3, p
{ margin:0px; padding:0px;}

body { background-color:#b7b08b; font-family:Verdana, Arial, Helvetica, sans-serif; font-size:12px; color:#000000; }

a { font-family:Verdana, Arial, Helvetica, sans-serif; font-size:12px; color:#FFFFFF; text-decoration:none;}

a:hover { text-decoration:underline;}

h1 {font-family:Verdana, Arial, Helvetica, sans-serif; font-size:18px; color:#691e02; border-bottom: dotted 1px #000000; padding-bottom:10px; font-weight:normal;}

h2 {font-family:Verdana, Arial, Helvetica, sans-serif; font-size:14px; color:#691e02; border-bottom: dotted 1px #000000; padding-bottom:10px; font-weight: bold;}

.heading {font-family:Verdana, Arial, Helvetica, sans-serif; font-size:14px; color:#691e02;  padding-bottom:10px; font-weight: bold;}

p { text-align:justify; padding:10px 0 10px 0;}

.bg-footer { background:url(../images/bg-footer.jpg) no-repeat;}

ul li { list-style:none; color:#FFFFFF; display:inline; margin:0px; padding:0px;}

.white { color:#FFFFFF;}
.black { color:#000000;}

.padding20 { padding:10px;}