body {
    margin: 0px;
    padding: 0px;
    font-family: Arial, sans-serif;
    font-size: 11px;
    color: #695a4a;
    background-color: #ffffff;
}

table { padding: 0px; margin: 0px; vertical-align: top; }
td { margin: 0px; padding: 0px; vertical-align: top; }
input { font-size: 11px; }
select { font-size: 11px; }
option { font-size: 11px; }
textarea { font-size: 11px; }
img { border: 0px; }

.giant    { font-size: 48px; }
.largest  { font-size: 24px; }
.larger   { font-size: 18px; }
.large    { font-size: 14px; }
.medium   { font-size: 12px; }
.normal   { font-size: 11px; }
.small    { font-size: 10px; }
.smaller  { font-size: 9px; }
.smallest { font-size: 8px; }

.left   { text-align: left; }
.right  { text-align: right; }
.center { text-align: center; }
.vtop   { vertical-align: top; }
.vbot   { vertical-align: bottom; }
.vmid   { vertical-align: middle; }
.vtbot  { vertical-align: text-bottom; }

.bold   { font-weight: bold; }
.unbold { font-weight: normal; }

.hdrbar { background-color: #0072BC; }

.nopad td { padding: 0px; }
.pad10 td { padding: 10px; }
.pad5 td { padding: 5px; }
.pad3 td { padding: 3px; }
.pad2 td { padding: 2px; }
.pad0 td { padding: 0px; }
.pad5nl td { padding: 5px 10px 5px 0px; }

a:active, a:focus { outline: 0; }

a:link    { color: #494134; text-decoration: underline; cursor: pointer; }
a:visited { color: #494134; text-decoration: underline; cursor: pointer; }
a:hover   { color: #43607E; text-decoration: underline; cursor: pointer; }

div.holder{
    margin:75px auto 0px auto;
    width:500px
}

div.cols{
    width:32%;
    height:300px;
    line-height:17px;
    float:left; 
    border-left:1px solid #d5d5d5;
    padding:0px 0px 0px 5px;
    margin:75px 0px 0px 0px;
}
div.header{
    margin:0px 0px 15px 0px;
    padding:0px;
    color: #81736c;
}