body {
	clip: rect(0px, 0px, 0px, 0px);
	padding: 0px;
	margin: 0px;color:#122948;
	/*background:#fff url('images/fading_background_22.png') top left repeat-x;*/
	background-color:#a8b9d2 ;
}
h1,ul,li,img {
	padding: 0px;
	margin: 0px;list-style: none ;
}


#TOPwrapper
{
width: 860px; 
height:95px; 
margin:0px auto ;
padding-top:0px;  
background-color:#0A246A;
}
#CONTENTwrapper
{
width: 860px; 
margin:0px auto;
}
.first
{
width: 33%;
vertical-align: top ;
background-color:#f9f9f9;
}
.first ul li
{
padding:2px; 
}
.second
{
width: 33%;
vertical-align: top ;
background-color:#e8edf0;
}
.second h1
{
height:20px;
color :#13274c;
padding:2px;
padding-left:10px;
background-color:#fff;
margin:10px;
font-family:Georgia;
font-size :1em;border-bottom:1px solid #d8dfea;
}
.second ul li
{
padding:2px; 
}
.third
{
width:32.5%;
vertical-align:top ;
background-color:#f6f7f9;
}
.third .img{margin:10px auto;}

.third h1
{
height:20px;
color:#13274c;
padding:2px;
padding-left:10px;
background-color:#0A246A;
margin:10px;
color:#fff;
font-family:Georgia;
font-size:1em;
border-bottom:1px solid #336699;
}
.third ul li
{
padding:2px; 
}
#FOOTERwrapper
{
width:860px; 
height:50px;
background:#0A246A url('images/footer_bg.jpg') top left repeat-x;
color:#fff;
margin:0px auto ;
}

#FOOTERwrapper ul {
width: 100%;
margin:0px;
height:50px;
}
#FOOTERwrapper ul li
{
padding:15px;
float:left;
}
#FOOTERwrapper a
{
color:#fff;
}
a
{
margin-left:15px; 
}
a:hover
{
text-decoration:none;
}
.first .img 
{
margin:10px 30px 10px 30px;
width:235px;
}