html, body, table, td { margin: 0; padding: 0; }
html, body { 
  margin: 0; padding: 15px 0 0 0; 
  background: url('../img/bg_bdy.jpg') #177EA7 repeat-x;
  
  font-family: "arial", helvetica, verdana;
  font-size: 12px; line-height: 22px; 
}

table{ width: 970px;  margin: auto; }
table, td { border: 0; border-collapse: collapse; vertical-align: top; }

img { border: 0; }
form { padding-bottom: 20px; }

h1, h2, h3 { text-transform: capitalize; padding-bottom: 5px; }
h1 { color: #014896; font-size: 24px; font-weight: normal; }
h2 { color: #666666; font-size: 18px; font-weight: normal; padding-top: 5px; }
h3 { color: #FFFFFF; font-size: 12px; text-transform: uppercase; }

ul { margin: 0; padding: 0; list-style-position: outside;  }
.ctn_mid li { margin-left: 20px; }



/* site structure */ 

.ctn_hdr { width: 990px; height: 116px; background: url('../img/bg_hdr.jpg')  no-repeat; }

.ctn_lft { 
  padding: 50px 35px 0 35px; 
  background: url('../img/bg_cnv_lft.jpg') #FFFFFF no-repeat; 
  line-height: 16px; color: #FFFFFF;
}
.ctn_rht { padding: 15px; background: url('../img/bg_cnv_rht.jpg') no-repeat; text-align: center; }
.ctn_mid { background-color: #FFFFFF; padding: 30px 30px 0 30px; } 

.ftr {
  background: url('../img/bg_cnv_ft.jpg') no-repeat; 
  text-align: center; height: 90px; color: #FFFFFF;
  font-weight: bold; padding-top: 40px;
}

/* site structure */ 


/* site elements */ 

.ctn_rht img { margin-top: 25px; }
img[src="./img/spacer.gif"] { margin: 20px 0 0 18px;; position: absolute; width: 300px; height: 63px;  }

/* site elements */