body {
  background-color: #ffffff; color:#000000;
  font-family: arial,verdana,helvetica,sans-serif; font-size: 14px;
  margin:0px; padding:0px;
}

a, a:visited { color:#000080; text-decoration:underline; }
a:hover { color:#800000; text-decoration:none; }

#footer {
  width:900px; text-align:left;
  font-family: arial,verdana,helvetica,sans-serif; font-size:13px; color:#393029; line-height:24px;
}
#footer a { color:#393029; text-decoration:underline; }
#footer a:hover { color:#393029; text-decoration:none; }

.divider12 { clear:both; height:12px; }
.divider20 { clear:both; height:20px; }

.maroonbold { font-weight:bold; color:#800000; }

.fleft { float:left;}
.fright { float:right;}
.clear { clear:both;}