body  {font-size: 12px; line-height: 18px; font-family: Arial, Helvetica, Geneva, Swiss, SunSans-Regular; color: #000000; margin:15px 0px; padding:0; text-align: center; background-color:#FFFFFF;}

td, table, tr {
font-family: Arial, Helvetica, Geneva, Swiss, SunSans-Regular; 
background:transparent;
font-size: 12px; 
line-height: 18px; 
color: #000000; 
}

/* general Images */
img {
border: 0;
padding: 0;
margin: 0;
}

/* general paragraph settings */

p { padding:0px 0px 20px 0px; margin: 0; }


a {
text-decoration: underline;
color: #3681D1;
font-weight:normal;
text-transform:none;
padding: 0;
margin:0;
}

a:link { color: #3681D1; }
a:visited { color: #3681D1; }
a:hover { color: #3681D1; text-decoration: none; }
a:active { color: #3681D1; }


h1{
color:#000000;
font-family: Verdana, Arial, Helvetica, Geneva, Swiss, SunSans-Regular; 
font-size:23px;
line-height:28px;
font-weight:normal;
padding:0px 0px 18px 0px;
margin:0;
}

h2{
color:#000000;
font-family: Verdana, Arial, Helvetica, Geneva, Swiss, SunSans-Regular; 
font-size:18px;
line-height:24px;
font-weight:normal;
padding:0px 0px 15px 0px;
margin:0;
}

.exsmall{
color:#63676E;
font-family: Arial, Helvetica, Geneva, Swiss, SunSans-Regular; 
font-size:11px;
line-height:15px;
font-weight:normal;
padding:0;
margin:0;
}

.bluebd{
color:#3681D1;
font-family: Arial, Helvetica, Geneva, Swiss, SunSans-Regular; 
font-size:12px;
line-height:18px;
font-weight:bold;
padding:0;
margin:0;
}


.redbd{
color:#E00303;
font-family: Arial, Helvetica, Geneva, Swiss, SunSans-Regular; 
font-weight:bold;
padding:0;
margin:0;
}


.medtxt {
font-family: Arial, Helvetica, Geneva, Swiss, SunSans-Regular; 
background:transparent;
font-size: 12px; 
line-height: 18px; 
color: #000000; 
}