h1 {margin-bottom: 0;}
h2 {margin-bottom: 0;}
h3 {margin-bottom: 0;}
h4 {margin-bottom: 0;}
h5 {margin-bottom: 0;}
h6 {margin-bottom: 0;}

.text12 {color: 000000; font-size:.6em; letter-spacing: .03em; font-family: verdana;}

.text14title {color: #0C3360; font-size:14; font-family: verdana;}

.text14section {color: #0C3360; font-size:14; font-family: arial;}

.text18title {color: #0C3360; font-size:18; font-family: verdana;}
.textbyline {color: 000000; font-size:.6em; letter-spacing: .03em; font-family: verdana;}

a:link    {color: 0C3360;}
a:active  {color: 0C3360;}
a:visited {color: 0C3360;}
a:hover {color: 2C63A2;}

a:link.text13    {color: #0000FF; font-size:.7em; letter-spacing: .03em; font-family: verdana; text-decoration: underline;}
a:active.text13  {color: #0000FF; font-size:.7em; letter-spacing: .03em; font-family: verdana; text-decoration: underline;}
a:visited.text13 {color: #0000FF; font-size:.7em; letter-spacing: .03em; font-family: verdana; text-decoration: underline;}
a:hover.text13 {color: #0000FF; font-size:.7em; letter-spacing: .03em; font-family: verdana; text-decoration: underline;}

a:link.textlinks {font-size:12; font-family: verdana; text-decoration: none;}
a:active.textlinks {font-size:12; font-family: verdana; text-decoration: none;}
a:visited.textlinks {font-size:12; font-family: verdana; text-decoration: none;}
a:hover.textlinks {font-size:12; font-family: verdana; text-decoration: none;}

input.smallbox {color: 284E71; font-size: 10px;}
textarea.smallbox {color: 284E71; font-size: 10px;}

hr {color: EFEFEF;}

img.backbtn {vertical-align: middle;}