body {
  font-family:verdana;
  font-size:11pt;
  background-repeat:no-repeat;
  background-position: center;
  background-image:url('images/bkg1.gif');
  margin-left: 0px;
  margin-top: 0px;
}

h1 {
  color:navy;
  font-weight:bold;
  font-size:16pt;
  padding:0px;
  margin:0px;
  margin-left:20px;
}

h3 {
  color:black;
  font-weight:normal;
  font-size:10pt;
  padding:0px;
  margin:0px;
  margin-left:20px;
}

hr {
   height:1px;
   margin:2px;
   padding:0px;
}

a {
  border:none 0px;
  color:black;
  font-decoration:underline;
}

img {
  border:none 0px;
}