body {
margin: 0;
padding: 0;
font-size: 100%; 
font-family: georgia, times new roman, serif; 
color: #444444;
background: #ffffff;
}

a:link, a:visited {color: #406c87;}
a:hover, a:active {color: #000000;}

.nobrd a {border: none; padding: 0; margin: 0;}
.nobrd img {border: none; padding: 0; margin: 0;}

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

.mlogo {width: 244px; background: #406c87 url(newimg/mbg.png) left bottom no-repeat; color: #c6d3db; text-align: center; padding: 70px 0 60px 0; text-transform: uppercase; font-size: 10px; line-height: 145%;}

.mlogo h1 {display: block; padding: 60px 0 60px 0; margin: 0; font-weight: normal; text-transform: none; font-variant: small-caps; font-size: 16px; color: #ffffff;}
.mlogo h1 b {font-weight: normal; font-size: 9px; color: #c6d3db; vertical-align: text-top;}

.lcolumn {width: 310px;}

.rcolumn {width: 490px; padding: 60px 0 0 0;}

.mailus {text-align: center; padding: 20px 0; width: 244px;}
.mailus a {border-bottom: 1px dotted #406c87; text-decoration: none;}
.mailus a:link, .mailus a:visited {color: #406c87;}
.mailus a:hover, .mailus a:active {color: #000000;}

.dropin {border: 1px #b0b0b0 dotted; padding: 35px 40px 30px 40px; color: #b0b0b0; font-variant: small-caps; font-size: 14px; line-height: 145%; text-align:center;}
.dropin img {margin-bottom: 5px; border: none;}
.dropin a {border-bottom: 1px dotted #b0b0b0; text-decoration: none;}
.dropin a:link, .dropin a:visited {color: #406c87;}
.dropin a:hover, .dropin a:active {color: #000000;}

.nobrd a {border: none; padding: 0; margin: 0;}
.nobrd img {border: none; padding: 0; margin: 0;}

.liner {border-top: 1px #b0b0b0 dotted; font-size: 11px; text-align: center; padding: 20px 0 30px 0; font-variant: small-caps; color: #b0b0b0;}
.liner a {border-bottom: 1px dotted #b0b0b0; text-decoration: none;}
.liner a:link, .liner a:visited {color: #b0b0b0;}
.liner a:hover, .liner a:active {color: #406c87;}