body {            
   background-color: black; }

#banner { 
   position: absolute;   width:900px; height:93px; top: 0px;   left: 0px;
	margin: 0;   padding: 0;   z-index: 1; }

#leftcol {
   position: absolute;   top: 100px;   left: 20px;   width:420px;  height:400px;  
   margin: 0;   padding: 0;   z-index: 2;   
   border: none; background-color: rgb(210,210,210); }	

#rightcol {
   position: absolute;   top: 100px;   left: 470px;   width:420px;  height:400px;  
   margin: 0;   padding: 0;   z-index: 2;   
   border: none;  background-color: rgb(210,210,210); }	
   
#footer { 
   position: absolute;   top: 595px;   left: 0px;   width:900px; 
	margin: 0;   padding: 0;   z-index: 3;   }	
	
	
			
p   { font-family: Verdana, Arial, sans serif; font-size: 11px; 
     margin: 10px 10px 10px 10px; color:rgb(0,0,32); line-height:1.5; }
.list{ margin-left: 25px; text-indent: -15px; }

a    { color:rgb(32,32,128); text-decoration:none; font-weight:bold; }
a:hover { text-decoration:underline; color:rgb(128,32,32); }

h1  {  font-family: Verdana, Arial, sans serif; font-size: 18px; 
      margin: 10px; color:rgb(0,0,0); }
h2  {  font-family: Verdana, Arial, sans serif; font-size: 16px; 
      margin: 10px; color:rgb(0,0,0); }
h3  {  font-family: Verdana, Arial, sans serif; font-size: 12px; 
      margin: 10px; color:rgb(0,0,0); }