body, h1, h2, h3, h4, h5, h6, div, p, ul, ol,img, form { padding: 0; border: 0; margin: 0; }
body { background: #CECECE url(../images/bg.jpg) repeat-x 50% 0; font-family: Arial, Helvetica, sans-serif; }
a { outline: none; }
table {margin-bottom: 2em; text-align:left;}
/********************************************************************************************************************************/
/* CENTERS THE PAGE */
#wrapper { margin: 0 auto; width: 800px; }

/********************************************************************************************************************************/
/* TEXT FORMATTING STYLES */
h1 { font-size: 20px; font-weight: normal; font-style: italic; color: #2B6AA3; }
h2 { font-size: 17px; font-weight: normal; font-style: italic; color: #2B6AA3; }
h3 { font-size: 17px; font-weight: normal; font-style: italic; color: #183A77; }
h4 { font-size: 20px; font-weight: normal; font-style: italic; color: #183A77; }
h5 { font-size: 15px; font-weight: normal; font-style: italic; color: #2B6AA3; }
h6 { font-size: 15px; font-weight: normal; font-style: italic; color: #183A77; }
p { font-size: 12px; line-height: 18px; padding-bottom: 12px; }
a { color: #2B6AA3; text-decoration: underline; }
a:hover { text-decoration: none; }
.bold { font-weight: bold; color: #074B60; }
.italic { font-style: italic; }
.red { color: #FF0000; }
.blue-bold { color: #2B6AA3; font-weight: bold; }
.small-print { font-size: 10px; }
.img-padding { padding-bottom: 12px; }
.divide { border-bottom: solid 1px #999999; width: 505px; padding-top: 15px; margin-bottom: 20px; }

#cont-right ol { font-size:12px; padding: 5px 50px 12px 25px; color: #4F4F4F; }
#cont-right ol li { line-height:16px; padding-bottom: 6px; }

#cont-right ul { font-size:12px; padding: 5px 50px 12px 25px; color: #4F4F4F; }
#cont-right ul li { list-style-type: disc; list-style-position: outside; line-height:16px; padding-bottom: 6px; }

#cont-right table { font-size: 11px; color: #4F4F4F; border-collapse: collapse; }
#cont-right table td { padding: 12px 8px 12px 8px; vertical-align: top; }
#cont-right table tr.alt { background: #F4F4F4; }

sup { font-size: 8px; }
p.sm-print { font-size: 9px; line-height: 12px; color: #999999; }
.col-cont { float: left; width: 505px; }
#cont-right ul.col-list { float: left; width: 210px; padding: 5px 10px 12px 25px; }  

#header { float: left; width: 800px; }
#logo { background: #ffffff; float: left; width: 223px; height: 90px; padding: 10px; margin: 15px 0px 0px 32px; }
* html #logo { margin-left: 16px; }
#nav-banner { float: left; width: 800px; }
#banner-left { background: url(../images/banner-left.jpg) no-repeat; float: left; width: 10px; height: 219px; }
#banner-right { background: url(../images/banner-right.jpg) no-repeat; float: left; width: 8px; height: 219px; }
#banner { float: left; width: 492px; height: 219px; }

/********************************************************************************************************************************/
/* TOP NAVIGATION LAYOUT */
ul#top-nav { float: right; list-style: none; width: 263px; height: 55px; margin: 27px 10px 0px 40px; }
ul#top-nav li { float: left; height: 55px; margin-right: 6px;  }
ul#top-nav li.hort-line { background: url(../images/nav-divide.jpg) no-repeat; width: 7px; }
ul#top-nav li a { float: left; height: 48px; }
ul#top-nav li#home { background: url(../images/nav-home.jpg) no-repeat; width: 64px; }
ul#top-nav li#home a { background: url(../images/nav-home.jpg) no-repeat; width: 64px; }
ul#top-nav li#home a:hover { background: url(../images/nav-home-over.jpg) no-repeat; }
ul#top-nav li#apply-online { background: url(../images/nav-apply-online.jpg) no-repeat; width: 65px; }
ul#top-nav li#apply-online a { background: url(../images/nav-apply-online.jpg) no-repeat; width: 65px; }
ul#top-nav li#apply-online a:hover { background: url(../images/nav-apply-online-over.jpg) no-repeat; }
ul#top-nav li#privacy { background: url(../images/nav-privacy.jpg) no-repeat; width: 76px; }
ul#top-nav li#privacy a { background: url(../images/nav-privacy.jpg) no-repeat; width: 76px; }
ul#top-nav li#privacy a:hover { background: url(../images/nav-privacy-over.jpg) no-repeat; }
ul#top-nav li#contact { background: url(../images/nav-contact.jpg) no-repeat; width: 78px; }
ul#top-nav li#contact a { background: url(../images/nav-contact.jpg) no-repeat; width: 78px; }
ul#top-nav li#contact a:hover { background: url(../images/nav-contact-over.jpg) no-repeat; width: 78px; }

/********************************************************************************************************************************/
/* SIDE NAVIGATION LAYOUT */
#nav { background: url(../images/bg-nav.jpg) no-repeat; float: left; width: 289px; height: 219px; }
#nav ul { float: left; width: 289px; list-style: none; margin: 5px 0px 0px 0px; }
#nav ul li { float: right; width: 274px; padding-right: 15px; }
#nav ul li a { float: right; }

#nav ul li#who-we-are { background: url(../images/nav-who-we-are.jpg) no-repeat; height: 29px; width: 149px; }
#nav ul li#group { background: url(../images/nav-group.jpg) no-repeat; height: 30px; width: 159px; }
#nav ul li#individual { background: url(../images/nav-individual.jpg) no-repeat; height: 29px; width: 181px; }
#nav ul li#no-medical { background: url(../images/nav-no-medical.jpg) no-repeat; height: 31px; width: 208px; }
#nav ul li#volunteer { background: url(../images/nav-volunteer.jpg) no-repeat; height: 31px; width: 200px; }

#nav ul li#who-we-are a { background: url(../images/nav-who-we-are.jpg) no-repeat; height: 29px; width: 149px; }
#nav ul li#group a { background: url(../images/nav-group.jpg) no-repeat; height: 30px; width: 159px; }
#nav ul li#individual a { background: url(../images/nav-individual.jpg) no-repeat; height: 29px; width: 181px; }
#nav ul li#no-medical a { background: url(../images/nav-no-medical.jpg) no-repeat; height: 31px; width: 208px; }
#nav ul li#volunteer a { background: url(../images/nav-volunteer.jpg) no-repeat; height: 31px; width: 200px; }

#nav ul li#who-we-are a:hover { background: url(../images/nav-who-we-are-over.jpg) no-repeat; }
#nav ul li#group a:hover { background: url(../images/nav-group-over.jpg) no-repeat; }
#nav ul li#individual a:hover { background: url(../images/nav-individual-over.jpg) no-repeat; }
#nav ul li#no-medical a:hover { background: url(../images/nav-no-medical-over.jpg) no-repeat; }
#nav ul li#volunteer a:hover { background: url(../images/nav-volunteer-over.jpg) no-repeat; }

#content-top { background: url(../images/bg-content-top.jpg) no-repeat; float: left; width: 800px; }
#content { background: url(../images/bg-content.jpg) repeat-y; float: left; width: 800px; }

#left { float: left; width: 235px; margin-left: 10px; }
* html #left { margin-left: 5px; }
.title { background: #F7F7F7 url(../images/title-bar.jpg) no-repeat bottom; float: left; width: 220px; height: 23px; padding: 9px 0px 0px 15px; }
.box { float: left; width: 235px; }
.box-cont { padding: 12px 12px 20px 18px; }
ul#sub-nav { float: left; width: 200px; list-style: none; padding-bottom: 15px; }
ul#sub-nav li { float: left; width: 200px; font-size: 12px; padding-bottom: 10px; font-weight: bold; color: #2B6AA3; font-style: italic; }
ul#sub-nav li a { color: #2B6AA3; text-decoration: none; }
ul#sub-nav li a:hover { color: #183A77; }

#right { float: left; width: 545px; margin-right: 10px; }
* html #right { margin-right: 5px; }
#cont-right { padding: 12px 20px 20px 20px; }
#cont-title { width: 505px; padding-bottom: 5px; }

/********************************************************************************************************************************/
/* CONTACT US MAP STYLES */
#map { float: left; width: 500px; height: 300px; margin-bottom: 20px; }

/********************************************************************************************************************************/
/* HOME PAGE STYLES */
#to-clients { float: left; width: 505px; padding: 15px 0px 30px 0px; }
#to-advisors { float: left; width: 505px; }

.icon { float: left; width: 130px; }
#to-advisors .icon { padding-left: 15px; width: 115px; }
.icon-text { float: left; width: 240px; font-style: italic; color: #494949; }
.icon-text p { font-size: 11px; }
#cont-right ul.icon-nav { float: left; width: 120px; list-style: none; padding: 0px; }
#cont-right ul.icon-nav li { float: right; height: 20px; padding: 0px; list-style: none; }
ul.icon-nav li#get-quote { background: url(../images/link-get-quote.jpg) no-repeat; width: 79px; }
ul.icon-nav li#learn-more { background: url(../images/link-learn-more.jpg) no-repeat; width: 87px; margin-top: 1px; }
ul.icon-nav li#apply-now { background: url(../images/link-apply-now.jpg) no-repeat; width: 83px; margin-top: 4px; }
ul.icon-nav li#click-here { background: url(../images/link-click-here.jpg) no-repeat; width: 97px; height: 27px; margin-top: 5px; }

ul.icon-nav li a { float: right; height: 20px; }
ul.icon-nav li#get-quote a { background: url(../images/link-get-quote.jpg) no-repeat; width: 79px; }
ul.icon-nav li#learn-more a { background: url(../images/link-learn-more.jpg) no-repeat; width: 87px; }
ul.icon-nav li#apply-now a { background: url(../images/link-apply-now.jpg) no-repeat; width: 83px; }
ul.icon-nav li#click-here a { background: url(../images/link-click-here.jpg) no-repeat; width: 97px; height: 27px; }

ul.icon-nav li#get-quote a:hover { background: url(../images/link-get-quote-over.jpg) no-repeat; }
ul.icon-nav li#learn-more a:hover { background: url(../images/link-learn-more-over.jpg) no-repeat; }
ul.icon-nav li#apply-now a:hover { background: url(../images/link-apply-now-over.jpg) no-repeat; }
ul.icon-nav li#click-here a:hover { background: url(../images/link-click-here-over.jpg) no-repeat; }

#cont-right ul.critical-illness { float: left; width: 400px; list-style: none; padding-left: 50px; }
#cont-right ul.critical-illness li { float: left; width: 200px; padding: 0px; list-style: none; }
#apply-now { float: right; padding: 0px 0px 15px 10px; }

/********************************************************************************************************************************/
/* FOOTER STYLES AND LAYOUT */
#footer { background: url(../images/bg-footer.jpg) no-repeat; float: left; width: 800px; height: 95px; }
ul.footer-nav { float: left; width: 540px; list-style: none; color: #ffffff; font-size: 11px; margin: 9px 0px 0px 25px; }
* html ul.footer-nav { margin-left: 12px; }
ul.footer-nav li { float: left; padding-right: 6px; }
ul.footer-nav li a { color: #ffffff; text-decoration: none; }
#footer-nav-cont { float: left; width: 540px; padding: 15px 28px 0 0; }
#copyright { float: left; width: 120px; color: #ffffff; font-weight: bold; font-size: 11px; margin: 11px 0px 0px 90px; text-align: center; }
* html #copyright { margin-left: 60px; }

/********************************************************************************************************************************/
/* MODERN EARTH BRANDING */
#modernearth { float: left; width: 161px; padding: 0px 0px 10px 620px; }