html { margin:0; padding:0; height:100%; min-height:100%; }
body { margin:0; padding:0; min-height:101%; height:101%; background:url(/shell/body-stripes.png); position:relative; top:0; }

/* Text for Screen Readers */
.sr { letter-spacing: -999em; text-decoration:none; display:block; }
/* Just for Opera, but hide from MacIE */
/*\*/html>body .sr { letter-spacing:normal; text-indent:-999em; overflow:hidden; }
/* End of hack */

#wrap { min-height:100%; width:100%; float:left; background:url(/shell/body-bg.png) top center repeat-y; text-align:center; margin:0; }
#head, #slice, #body-wrap, #foot-wrap { max-width:900px; min-width:750px; }

#head-wrap { height:94px; background:url(/shell/head-stripes.png); }
	#head { height:100%; margin:0 auto; background:url(/shell/head-bg.jpg) top center; position:relative; top:0; }
		#logo { position:absolute; left:21px; top:7px; width:380px; height:81px; margin:0; padding:0; background:url(/shell/logo.png); }
			#logo a { position:absolute; left:0; top:0; width:100%; height:100%; }
		#contact-tab { width:330px; position:absolute; right:13px; top:0; font-size:0.916em; }
			#contact-tab div { float:right; line-height:22px; padding:0 10px 2px 10px; background:url(/shell/contact-bg.png) no-repeat bottom right; }
			#contact-tab #contact2 { padding-right:0; background-position:bottom left; }
		#tag-wrap { padding-top:53px; margin:0 13px 0 418px; text-align:center; }
			#tag { margin:0 auto; width:339px; height:38px; background:url(/shell/head-tag.png) no-repeat;}
#slice-wrap { background:url(/shell/slice-bg.png) top center repeat-y; margin:0; }
	#slice { line-height:25px; margin:0 auto; overflow:auto; }
		#slice div { width:91.6%; margin:0 auto; }
		#slice .l { float:left; text-align:left; }
		#slice .r { float:right; text-align:right; }
		#slice b b { position:relative; top:0.15em; }
#body-wrap { margin:0 auto; }
  #body-wrap2 { margin:0 13px; overflow:visible; zoom:100%; } /* hidden or auto would work for modern browsers--this plus foot-wrap clear below is for netscape 7.0, believe-it-or-not */
	#body { text-align:left; position:relative; top:0; left:0; float:left; width:100%; }
		#m { margin:0px 4.6% 25px 187px; padding:8px 0 0; min-height:52.1em; font-size:1.15em; line-height:1.4em; }
		.col3 #m { margin:0 182px 25px 182px; }
		#l, #r { position:absolute; top:1.1em; width:170px; }
		#l { left:0px; }
		#r { right:0px; }
		#l .box, #r .box { margin:0 0 1.1em; }
		#l .box h2, #l .box h3, #r .box h2, #r .box h3 { background:url(/shell/side-top-bg.png); border:none; }
		#l .box .c, #r .box .c { background:url(/shell/side-bottom-bg.png) center bottom; padding:5px 1px 7px; }
			table.siderates { border-collapse:collapse; width:168px; margin-bottom:6px; } /* specify width in px for IE5.x */
			.siderates td { padding:1px 8px 1px; margin:0; font-size:11px; }
			.siderates th { padding:1px 4px 2px; font-weight:bold; margin:0; font-size:11px; text-align:left; }
			.siderates td.num { padding-right:10px; text-align:right; }
		#rates-box .c p { font-size:11px; margin:0 8px 1px; }
#foot-wrap { margin:0 auto 5px; background:url(/shell/foot-bg.jpg) no-repeat left -60px; clear:both; }
	#foot-wrap .border { height:1px; line-height:1px; font-size:1px; overflow:hidden; background:url(/shell/foot-border.png) center top; border:none; }
	#foot { color:#003b71; text-align:left; }
		#foot a { width:341px; height:18px; background:url(/shell/foot-title.png); margin:0 0 7px; }
		#foot img { margin:12px 27px 12px 0; float:right; display:inline; }
		#foot #ncua {margin:10px 27px 11px 0; }
		#foot #ehl { margin-right:23px; }
		#foot p { padding:9px 0 0 27px; margin-bottom:9px; }
#subfoot { text-align:center; }


/* Outside Services */
#oss ul { margin:0 0 0 23px; padding:0; list-style:none; }
#oss li { margin:0 0 8px; padding:0 20px 0 33px; background-image:url(../images/outside-icons.png); background-repeat:no-repeat; }
#oss-a { background-position:0px center; }
#oss-b { background-position:-200px center; }
#oss-c { background-position:-400px center; }
#oss-d { background-position:-600px center; }
#oss p { font-size:0.83em; margin:0 11px 0.5em; }

/* nav rules */
#nav ul, #nav li { margin:0; padding:0; width:100%; list-style:none; }
#nav ul { padding-bottom:4px; }
#nav a { display:block; line-height:1.2em; padding:2px 12px 4px 7px; border:solid white; border-width:1px 0; margin:0; text-decoration:none; }
#nav li.form a { background:url(/shell/nav-form.png) 96% center no-repeat; }
#nav li.cur a { background:#eee url(/shell/nav-arrow.png) 96% center no-repeat; border-color:#eee; }
#nav:hover li.cur a {background-color:white; border-color:white; }
#nav a:hover, #nav li.cur a:hover, #nav li.form a:hover { background-color:#eee; border-color:#003b71; }
#nav a b { font-weight:bold; text-decoration:underline; color:#0002b4; }