* {
	margin: 0;
	padding: 0;
	border: 0;
}

body {
	background-color: #976073;
	font: 16px Arial, Helvetica, sans-serif;
	color: #000000;
}

a {
	color: #3399FF;
	text-decoration: none;
}
a:hover {
	text-decoration: underline;
}
#navbar a {
	color: #ffffff;
	text-decoration: none;
}
#navbar a:hover {
	text-decoration: underline overline;
}
#frame {
	width: 950px;
	margin: 0px auto;
	border: 1px solid #000000;
	background-color: #F5F9FF;	
}
#header {
	width: 950px;
	height: 132px;
	background-image: url(../images/banner.jpg);
	background-color: #F5F9FF;
	background-repeat: no-repeat;
	border-top: 2px solid #000000;
}
#container { /* container for all content: 3 columns, navbar */
	width: 950px;
	background-color: #F5F9FF;
}
.lftctrcolwrap { /* wrap to contain left and centre columns */
	float: left;
	width: 845px;
	margin: auto;
}
#leftcol {
	float: left;
	width: 70px;
	height: 70px;
	background-color: #F5F9FF;
	background-image: url(../images/leftbg.jpg);
}
/* content segment */
.centrecolwrap {
	float: left;
	width: 100%;
}
#centrecol {
	width: 775px;
	margin-left: 70px;
	background-color: #F5F9FF;
}
#navbar {
	width: 100%;
	height: 39px;
	background-image: url(../images/navbar.jpg);
}
#navbartx {
	width: 750px;
	margin: auto;
	padding: 7px;
	font-weight: bold;
	font-size: 0.95em;
	color: #999999;
	text-align: center;
	vertical-align: middle;
}
.navbarsp {
	padding-right: 33px;
}
#content {
	width: 773px; /* -2px from centrecol to account for border */
	padding-top: 10px;
	background-color: #FCFCFC;
	border-right: 1px solid #000000;
	border-bottom: 1px solid #000000;
	border-left: 1px solid #000000;
}
div.contentboxes {
	width: 695px;
	margin: auto;
}
div.sectwelcbx { /* section welcome box for each section, encompasses the sectionhdr and sectiondesc */
	float: left;
	width: 300px;
	padding-right: 30px;
}
div.mainsecthdr {
	width: 300px;
	font-weight: bold;
	text-align: center;
	text-transform: uppercase;
	padding: 0px 30px 10px 0px;
}
div.sectbx { /* section featured box */
	float: left;
	width: 345px;
	margin-top: 10px;
	padding-left: 20px;
}
div.secthdr { /* news featured box header and other section headers */
	width: 100%;
	font-weight: bold;
	font-size: 0.9em;
	text-transform: uppercase;
	padding-bottom: 30px;
}
div.sectdesc { /* news featured box description */
	width: 100%;
	font-size: 0.8em;
	line-height: 1.5em;
	text-align: justify;
	padding-top: 10px;
}
div.sectimg {
	width: 271px;
	margin: auto;
}
div.sectdesc p {
	padding-bottom: 15px;
}
.contentbxspc {
	clear: both;
	padding-bottom: 50px;
}
.clear {
	clear: both;
}
/* end content segment */
#rightcol {
	float: right;
	width: 105px;
	padding-top: 63px;
	background-color: #F5F9FF;
	background-image: url(../images/rightbg.jpg);
	background-repeat: no-repeat;
}
/* footer */
#footer {
	clear: both;
	width: 950px;
	height: 55px;
	background-color: #000000;
	border-top: 3px solid #EDEDED;
}
#disclaimer {
	width: 950px;
	margin: 13px auto;
	font-size: 0.7em;
	color: #ffffff;
	text-align: center;
}