body{margin:0px;}

.txt {  font-family: verdana; font-size: 11px}
.txt1 {  font-family: verdana; font-size: 11px; line-height: 20px; text-align: justify; padding-right: 10px; padding-left: 10px}
.warea {  font-family: verdana; font-size: 11px; line-height: 20px; color: #000000; background-image: url(gifs/page-bg-new.gif); text-align: justify; padding-right: 13px; padding-left: 65px}
h1 {  font-family: arial; font-size: 19px; color: #196186; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px}
.txt2 { font-family: verdana; font-size: 11px; line-height: 20px; text-align: justify; padding-right: 10px; padding-left: 10px ; color: 347CA1}
.footer {  font-family: "ms sans serif"; font-size: 11px; line-height: 18px; color: #FFFFFF; background-color: 267096; padding-top: 1px; padding-right: 5px; padding-bottom: 1px; padding-left: 5px}
a {  text-decoration: none}
.txt3 {
font-family: verdana; font-size: 11px; line-height: 20px; padding-right: 10px; padding-left: 10px
}