BODY { 
    background-image:url(sand.jpg);
	margin-top:0; margin-bottom:0; margin-left:0; margin-right:0;
	background-color : White;
	color : Black;
	font-size : medium;
	font-family : Arial, Helvetica, sans-serif;
    MARGIN-TOP: 0px;
}
a:link     	{ font-weight: bold; text-decoration: none; }
a:active   	{ font-weight: bold; text-decoration: none; }
a:visited  	{ color: green; font-weight: bold; text-decoration: none; }
a:hover    	{ color: red; font-weight: bold; }

H3{color:navy; FONT-family: Arial, Verdana, Universe, sans-serif, 14pt}

H2{FONT-family:Arial, Verdana, Universe, sans-serif; color:navy}

P{color:navy; FONT-family:Arial, Verdana, Universe, sans-serif; FONT-size: 10pt}

DIV{color:black; FONT-family:Arial, Verdana, Universe, sans-serif; ; FONT-size: 10pt}

p.copyright {font-size: x-small;}

TD{color:black; FONT-family:Arial, Verdana, Universe, sans-serif; ; FONT-size: 10pt}