body {
	background: #E1DBC7 url(../images/background.gif) repeat-x;;
	margin: 0px;
	padding: 0px;
	font-family: Tahoma, Arial, Helvetica, sans-serif;
	font-size: 11px;
	color: #000;
	line-height: 15px;

}
#container { 
	width: 980px;
	margin: 0 auto;
	padding: 0;
	background: #F1ECDB url(../images/bg-home.gif) repeat-y;
}

a {
	color: #3399CC;
  	text-decoration: none;
}

a:hover {
	/*color: #FF5824;*/
	color: #BEA761;
  	text-decoration: none; 
}

table, td, tr {
	border: 0;
	padding: 0;
	margin: 0;
	border-collapse: collapse;
}
img {
	border: 0px;
}

hr {
	height: 1px;
	color: #FBECD5;
	border: 0;
	margin: 25px 0;
	background: url(../images/hr.gif) repeat-x;
}

form {
	margin: 0;
	padding: 0;
}

.clear {
	clear: both;
	overflow: hidden;
}
.clear2 {
	clear: both;
	overflow: hidden;
}

ol {
	padding: 0 0 0 18px;
}

ul {
	padding: 0 0 0 14px;
	margin: 0;
}

li {
	padding: 0 0 2px 0;
	list-style-type: square;
}

.small {
	font-size: 10px;
}

/* HEADINGS */

.sIFR-flash {
	visibility: visible !important;
	margin: 0;
}
.sIFR-replaced {
	visibility: visible !important;
}

span.sIFR-alternate {
	position: absolute;
	left: 0;
	top: 0;
	width: 0;
	height: 0;
	display: block;
	overflow: hidden;
}

h1 {
	font-family: Tahoma, Arial, Helvetica, sans-serif;
	font-weight: normal;
	font-size: 18px;
	color: #000;
	margin: 21px 0 14px 0;
	padding: 0;
}

.sIFR-hasFlash h1 {
	visibility: hidden;
	display: inline;
	font-size: 32px;
}

h2 {
	font-weight: bold;
	font-size: 14px;
	color: #333;
	/*margin: 0 0 20px 0;*/
	padding: 0;
}


/* HEADER */
#header {
	height: 109px;
	width: 980px;
	padding: 0;
	margin: 0;
	float: left;
	border-bottom: 1px solid #FFF;
}
#logo {
	float: left;
	width: 278px;
	background: #FFF;
}
#globalnav {
	float: left;
	text-align: right;
	padding: 48px 14px 0 0;
	margin: 0;
	color: #999;
	font-size: 11px;
	width: 688px;
	height: 28px;
	background: #FFF;
	font-family: arial;
	position: relative;
}
#globalnav a {
	padding: 0 3px;
	color: #3399CC;
	font-weight: bold;
}
#globalnav a:hover {
	color: #999;
}
#globalnav span {
	font-size: 10px;
	color: #CCC;
}
#navigation {
	margin: 0;
	padding: 0;
	float: left;
	width: 980px;
	height: 33px;
	background: #FFF;
}
#navigation a {
	display: block;
}
#mainnav1 {
	/*width: 197px;*/ width: 163px;
	height: 33px;
	background: #FFF url(../images/nav/nav-personal.gif) no-repeat;
}
#mainnav2 {
	/*width: 196px;*/ width: 164px;
	height: 33px;
	background: #FFF url(../images/nav/nav-commercial.gif) no-repeat;
}
#mainnav3 {
	/*width: 196px;*/ width: 163px;
	height: 33px;
	background: #FFF url(../images/nav/nav-benefits.gif) no-repeat;
}
#mainnav4 {
	/*width: 196px;*/ width: 164px;
	height: 33px;
	background: #FFF url(../images/nav/nav-retirement.gif) no-repeat;
}
#mainnav5 {
	/*width: 195px;*/ width: 165px;
	height: 33px;
	background: #FFF url(../images/nav/nav-voluntary-benefits.gif) no-repeat;
}
#mainnav6 {
	width: 161px;
	height: 33px;
	background: #FFF url(../images/nav/nav-customercenter.gif) no-repeat;
}

#navigation a:hover  {
	background-position: 100% -66px;
}


/* HOMEPAGE */
#maincolumn {
	float: left;
	width: 784px;
}
#flashhome {
	border-bottom: 1px solid #FFF;
	width: 784px;
	height: 316px;
	padding: 0;
	margin: 0;
	background: #FFF;
}
.homebanner1, .homebanner2, .homebanner3 {
	display: block;
	width: 195px;
	/*padding: 12px 5px 0 11px;*/
	padding-bottom: 30px;
	margin: 0 1px 0 0;
	color: #333;
	font-size: 11px;
	line-height: 15px;
	background: #F1ECDB;
}
.homebanner1 {
	width: 392px;
}
.homebanner3, .homebanner2 {
	margin: 0;
}
.homebanner3 .logo {
	padding: 0 0 6px 11px;
}
.homebanner1 div, .homebanner2 div, .homebanner3 div {
	padding: 0 10px 0 13px;
}
.homebanner2 div, .homebanner3 div {
	line-height: 13px;
}
.homebanner1 .more, .homebanner2 .more, .homebanner3 .more {
	color: #3399CC;
	font-weight: bold;
	display: block;
}
.homebanner4:hover, .homebanner3:hover, .homebanner2:hover, .homebanner1:hover {
	color: #333;
	/*background: #F8F5EE;*/
}
.homebanner4:hover .more, .homebanner3:hover .more, .homebanner2:hover .more, .homebanner1:hover .more {
	color: #BEA761;
	/*background: #F8F5EE;*/
}
#rightcolumntop {
	float: left;
	width: 196px;
	height: 18px;
	margin: 0;
	padding: 0;
	overflow: hidden;
	background: #000;
}
#rightcolumn {
	float: left;
	width: 195px;
	background: #736C5B;
	border-left: 1px solid #FFF;
	font-size: 11px;
	padding-bottom: 25px;
}
.testimonial {
	display: block;
	padding: 5px 7px 25px 13px;
	margin: 0;
	color: #CCC;
	line-height: 13px;
}
.testimonial a {
	display: block;
	font-weight: bold;
	color: #93C0DF;
}
.testimonial a:hover {
	color: #BEA761;
}
/**** CHILD PAGE ****/
#childarea {
	background: #FFF url(../images/bg-child.gif) repeat-y;
	float: left;
}
#headergraphic {
	border-bottom: 1px solid #FFF;
	background: #FFF;
}
#contentarea {
	float: left;
	width: 553px;
	background: #FFF;
	padding: 13px 21px 100px 15px;
}
/**** SIDENAV ****/

#sidenav {
	float: left;
	width: 195px;
	margin: 0;
	padding: 0 0 50px 0;
	background: #F1ECDB;
	line-height: 15px;
}
ul#mainlevel_sidenav, ul#mainlevel_sidenav ul {
	width: 195px;
	margin: 0;
	padding: 0;
	list-style: none;
	background: #F1ECDB;
}
ul#mainlevel_sidenav {
	padding-bottom: 14px;
	border-bottom: 1px solid #FFF;
}
ul#mainlevel_sidenav li {
	margin:0;
	padding: 0;
	list-style-type: none;
}
ul#mainlevel_sidenav a {
	padding: 2px 11px 2px 11px;
	display: block;
	color: #3399CC;
	font-weight: bold;
	font-size: 11px;
}
ul#mainlevel_sidenav ul ul {
	padding-bottom: 6px;
	display: none;
}
ul#mainlevel_sidenav a.mainlevel_sidenav {
	color: #3399CC;
	text-transform: uppercase;
	background: url(../images/bg-banner-bottom.gif) bottom no-repeat;
	padding-bottom: 5px;
	padding-top: 13px;
	margin-bottom: 5px;
	font-size: 11px;
}
ul#mainlevel_sidenav a:hover {
	color: #BEA761;
	text-decoration: none;
	background: #F8F5EE;
}

/* FOOTER */
#footertop {
	height: 1px;
	display: block;
	background: #FFF;
	overflow: hidden;
}
#footer {
	border-top: 7px solid #ACA287;
	padding: 13px 0 24px 0;
	height: 100px;
	margin: 0;
	text-align: center;	
	/*background: url(../images/bg-footer.gif) ;*/
	background: #F8F5EE url(../images/bg-footer.gif) repeat-x;
	color: #999;
	overflow: hidden;
	font-size: 11px;
}
#footer a {
	color: #3399CC;
	font-weight: normal;
	padding: 0 2px 0 2px;
}
/* MAIN LINK */
.mainlink {
	display: block;
	margin-bottom: 20px;
	font-size: 11px;
	line-height: 15px;
	color: #000;
}
.mainlink img {
	margin-bottom: 4px;
}
.mainlink:hover {
	color: #000;
}
.mainlink .more {
	font-weight: bold;
	color: #3399CC;
}
.mainlink:hover .more {
	font-weight: bold;
	color: #BEA761;
}

/*contact form*/
label{
	float: left;
	width: 130px;
	font-weight: normal;
	padding-right: 10px;
	text-align: right;
}
input, textarea, select{
	width: 200px;
	margin-bottom: 5px;
	/*border: 1px solid #809F80;*/
	padding: 3px;
	font-family: Tahoma, Arial, Helvetica, sans-serif;
	font-size: 11px;
	color: #666;
	background: #FDFCFB;
}
/* change request form */
#change-request-form label {
	width: 150px;
}
select{
	width: 210px;
}
textarea{
	width: 200px;
	height: 150px;
}
.button {
	width: 100px;
	color: #90C1E2;
	background: #736C5B;
	border: 1px dashed #2E9DCB;
	font-weight: bold;
}
input.newsletter {
	width: 160px;
	margin: 10px 0;
	padding: 0px 2px 1px 5px;
	font-family: Tahoma, Arial, Helvetica, sans-serif;
	font-size: 11px;
	color: #444;
	background: #ABABAB;
}
input.checkbox {
	width: 20px;
	margin: 0;
	padding: 0;
	font-family: Tahoma, Arial, Helvetica, sans-serif;
	font-size: 11px;
	color: #444;
	background: #FFF;
	border: 0;
}
input.subscribe {
	width: 70px;
	height: 19px;
	margin: 0;
	border: 0;
	padding: 0;
	background: #FDFCFB;
}

/* SITE MAP */
.grouplinks {
	display: block;
	padding: 0 0 10px 0;
	width: 200px;
}
.grouplinks:hover {
	background: #F9F7EE;
}

a.mainlevel_sitemap {
	display: block;
	font-weight: bold;
	margin: 8px 0 0 0;
	padding: 0 0 0 10px;
	color: #333;
}
a.sublevel_sitemap {
	display: block;
	font-weight: normal;
	padding: 0 0 0 10px;
	color: #333;
}
a.subsublevel_sitemap {
	display: block;
	font-weight: normal;
	padding: 0 0 0 20px;
	color: #333;
}
a.mainlevel_sitemap:hover, a.sublevel_sitemap:hover, a.subsublevel_sitemap:hover {
	background-color: #FEFEFC;
	text-decoration: none;
	color: #333;
}
/*contact form*/
#columnone{
	float: left;
	width: 355px;
	margin-right: 10px;
}
#columntwo {
	float: left;
	width: 183px;
	padding-top: 15px;
}
.right {
	text-align: right;
}

a.box {
	display: block;
	padding: 4px ;
	border: 1px solid #FEFDFB;
	width: 90px;
	margin: 3px 0 8px 0;
	text-align: left;
	background: #938C7D;
	color: #FEFDFB;
	font-weight: normal;
	font-size: 90%;
}
a.box:hover {
	background: #ACA79B;
	color: #FEFDFB;
}
a.top {
	display: block;
	width: 100px;
	padding: 25px 0 0 0;
	font-size: 80%;
	text-transform: uppercase;
	outline: none;
}
#consulationtable {
	border: 1px solid #A18C53;
	background: #F8F8F0;
	width: 550px;
	text-align: center;
	padding: 0 0 35px 0;
}
#consulationtable img.arrow {
	padding: 10px 0;
}
img.right {
	float: right;
	padding: 0 0 20px 20px;
}

#contentarea ol li {
	list-style-type: decimal;
}