/* general tag styles */

body {
	font-family: Arial, Verdana, Arial, Helvetica, sans-serif;
	color: #323232;
	padding: 0;
	margin: 0;
	text-align: center;
	font-size: 12px;
	background: url(../images/top_bg.jpg)  left top repeat-x;
}

p, td, li, form, label {
	font-size: 12px;
}

td, ul, ol, li, form, input, select {
	padding: 0;
	margin: 0;
}

img {
	padding: 0;
	border: 0;
}

p {
	line-height: 120%;
	padding: 0 0 13px 0;
	color: #323232;
	font-weight: normal;
	border: 0;
	margin: 0;
}

h1 {
	font-family: Tahoma, Verdana, Arial, Helvetica, sans-serif;
    font-size: 11px;
	line-height: 120%;
	padding: 0;
	margin: 0;
	font-weight: normal;
	color: #298276;
}

h2 {
    font-size: 18px;
	line-height: 120%;
	padding: 0;
	margin: 0 0 13px 0;
  color: #666666;
	font-weight: normal;
}




h3 {
    font-size: 12px;
	line-height: 120%;
	padding: 0;
	margin: 0;
	color: #1D7669;
}

h4 {
	font-family: Tahoma, Verdana, Arial, Helvetica, sans-serif;
	font-size: 12px;
	line-height: 120%;
	padding: 0;
	border: 0;
	margin: 0;
	color: #1D7669;
}


h5, h6 {
	font-size: x-small;
	padding: 10px 0 2px 0;
	border: 0;
	margin: 0;
}

select {
	font-size: x-small;
}

a {
	color: #1D7669;
}

a:hover {
	color: #1D7669;
}

label {
	color: #000;
	vertical-align: top;
	font-size: x-small;
}

.em-note {
  font-style: italic;
}

div.clearit {
  clear: both;
  line-height: 1px;
  font-size; 1px;
  padding: 0;
} 

p.clearit {
  clear: both;
  line-height: 1px;
} 

/* tabular data cell styles */

td {
	text-align: left;
	vertical-align: top;
}

td.lm {
	text-align: left;
	vertical-align: middle;
	font-size: x-small;
}

td.lm {
	font-size: 12px;
}

td.lb {
	text-align: left;
	vertical-align: bottom;
}

td.lt {
	text-align: left;
	vertical-align: top;
	padding: 0;
}

td.ct {
	text-align: center;
	vertical-align: top;
}

td.cm {
	text-align: center;
	vertical-align: middle;
}

td.cb {
	text-align: center;
	vertical-align: bottom;
}

td.rt {
	text-align: right;
	vertical-align: top;
}

td.rm {
	text-align: right;
	vertical-align: middle;
}

td.rb {
	text-align: right;
	vertical-align: bottom;
}


/* main containers */ 

#main-container {
	text-align: left; 
	margin: 0 auto;
	width: 1011px;
}


/* header container */ 

#header-container {
	text-align: left; 
	margin: 0 auto;
	width: 998px;
	padding: 0 0 0 13px;
}

.util p a, .util p {
	font-family: Arial, Verdana, Arial, Helvetica, sans-serif;
	font-size: 11px;
	color: #298276;
}

.util p {
	float: right;
}

.util {
	padding: 11px 46px 13px 0;
}

#logo {
	float: left;
}


/* top navigation */

.tnav {
	background: url(../images/pencil.jpg) right top no-repeat;
	padding: 0 65px 16px 0;
	margin: 0 0 0 0;
	float: right;
	width: 500px;
}

.tnav span {
	float: right;
	display: block;
	padding: 35px 13px 0 13px;
}

.tnav span.selected {
	background: url(../images/nav_selected.jpg) center top no-repeat;
}

.tnav a.last {
	margin: 0 0 0 0;
}


/* header container */ 

.banner-container {
	background: #4AA092 url(../images/banner_bg.jpg) left top repeat-x;
	text-align: left; 
	margin: -14px 0 auto;
	padding: 0;
	height: 314px;
}

.banner-content {
	text-align: left; 
	margin: 0 auto;
	width: 1011px;
	padding: 0 0 0 0;
}

.banner-content-l p {
    font-size: 46px;
	line-height: 120%;
	padding: 0;
	margin: 0;
	color: #1D7669;
}

.banner-content-l p.intro {
	color: #fff;
	font-size: 14px;
	padding: 0 0 10px 13px;
	height: 75px;
	margin: 0 0 18px 0;
	overflow: hidden;
}

.banner-content-l {
	background: #4AA092 url(../images/apply_bg.jpg) left bottom no-repeat;
	height: 314px;
	float: left;
	width: 539px;
}

.apply-form {
	padding: 14px 0 0 13px;
	font-size: 16px;
	color: #fff;
}

.apply-form p {
	color: #fff;
	font-size: 11px;
	padding: 0 0 0 0;
	margin: 5px 0 0 0 !important;
}

.apply-form p img {
	vertical-align: middle;
}

.apply-form p a, .apply-form p a:hover {
	color: #fff;
}

.apply-form #frm-apply {
	margin: 0 0 0 18px;
	font-size: 16px;
}

.apply-form #frm-apply input {
	padding: 3px;
	vertical-align: middle;
}

.banner-content-r {
	background: url(../images/banner_home2.jpg) left top no-repeat;
	height: 328px;
	_height: 329px;
	float: left;
	width: 472px;
	margin: -14px 0 0 0;
	z-index: 1;
	position: relative;
}

.banner-content-r p {
	padding: 270px 0 0 383px;
	color: #fff;
	font-size: 11px;
}

.banner-content-r p a, .banner-content-r p a:hover {
	color: #FFEE8D;
	font-size: 11px;
}

/* home page styles */

.home-container {
	padding: 31px 0 31px 13px;
}

.home-container-l {
	float: left;
	width: 487px;
}

.home-container-r {
	float: left;
	margin: 0 0 0 56px;
	width: 419px;
}

.home-benefits {
	margin: 0 0 10px 0;
}

.home-benefits td {
	border-top: 1px solid #D1CECF;
	padding: 19px 10px 7px 0;
}

.home-benefits td img {
	margin: 0 10px 0 0;
}

.home-features {
	background: #D5EDE7;
	padding: 16px 20px 10px 20px;
	margin: 0 0 20px 0;
	height: 100%;
}

.home-features p {
	font-size: 11px;
}

.programs {
	float: left;
	margin: 0 30px 0 0;
	list-style: none;
}

.programs li {
	background: url(../images/orange_arrow.jpg) left top no-repeat;
	padding: 0 0 3px 10px;
}

.programs a {
	color: #1D7669;
	font-size: 11px;
	font-weight: bold;
	text-decoration: none;
}

.programs a:hover {
	text-decoration: underline;
	color: #1D7669;
}


/* apply page styles */

#banner-subpage .intro {
	color: #fff;
	font-size: 14px;
	padding: 0;
}

#banner-subpage {
	height: 119px !important;
	padding: 0 0 0 0;
}

#banner-apply {
	background: url(../images/banner_apply.jpg) left top no-repeat;
	padding: 30px 0 0 13px;
	width: 998px;
	height: 89px !important;
}

.apply-content {
	background: url(../images/apply_content_bg.jpg) left top repeat-y;
}

.apply-table {
	background: url(../images/apply_top.jpg) left top no-repeat;
	float: left;
	margin: 0 0 15px 0;
}

.apply-table .step {
	padding: 10px 15px 15px 15px;
}

.step-descr {
	padding: 50px 15px 0 15px;
	float: right;
	width: 350px;
}

.step-descr p {
	color: #666;
}

.apply-table .step-descr h2.green {
	margin: 0 0 8px 0;
}

.apply-table .green-bar {
	color: #fff;
	font-weight: bold;
	background: #5BB0A0;
	padding: 5px;
	margin: 0 27px 10px 0;
}

.apply-table th {
	font-size: 12px;
	color: #1D7669;
	text-align: left;
	vertical-align: top;
	padding: 3px 0 0 0;
}

.apply-table td {
	font-size: 11px;
	color: #1D7669;
	padding: 0 0 3px 0;
}

.apply-table td input, .apply-table td select {
	border: 1px solid #8FC7BB;
	font-size: 11px;
	padding: 3px 0 3px 0;
	color: #1D7669;
}

.apply-table td .radio, .apply-table td .btn {
	border: none;
	vertical-align: -0.1em;
}

.apply-table td select, .apply-table td .large {
	width: 350px;
}

.apply-table td textarea {
	font-family: Arial, Verdana, Arial, Helvetica, sans-serif;
	border: 1px solid #8FC7BB;
	font-size: 11px;
	padding: 3px 3px 3px 3px;
	color: #323232;
	width: 571px;
}

#step2, #step3, #step4, #step5, #step6, #step7, #step8 {
	background: none;
	border-top: 1px solid #8FC7BB;
}

/* content containers */

.content-container-no-risk {
	background: url(../images/no_risk.gif) left top no-repeat;
	padding: 31px 0 0 0;
	margin: 0 0 31px 0;
}

/* footer */

#footer {
	margin: 0 34px 0 13px;
	padding: 18px 0 0 1px;
	border-top: 1px solid #559E91;
}

.footer-large {
	margin: 0 0 0 0 !important;
}

#footer p {
	font-size: 11px;
	color: #298276;
}

#footer p.copyright {
	color: #989898;
}

#footer p.copyright a {
	color: #989898;
}

#footer p.copyright a.util-footer {
	color: #989898;
	text-decoration: none;
}

#footer p.copyright a.util-footer:hover {
	color: #989898;
	text-decoration: underline;
}

#footer span {
	float: right;
	margin: -4px 0 0 0;
}


/* other styles */

.green {
	color: #1D7669;
}

.img-float-left {
	float: left;
	margin: 0 10px 5px 0;
}

.calculator-steps {
	background: url(../images/steps_bg.jpg) left top repeat-y;
	margin: 10px 0 20px 0;
}

.calculator-steps .program {
	float: left;
	width: 152px;
	padding: 0 30px 0 0;
	
}

.calculator-steps .amount {
	padding: 0 30px 0 41px;
	width: 164px;
	float: left;
}

.calculator-steps .calculate {
	padding: 0 0 0 40px;
	width: 160px;
	float: left;
}

.calculator-steps h4 {
	margin-bottom: -5px;
}

.calculator-steps input.step-form, .calculator-steps select {
	font-family: Arial, Verdana Helvetica, sans-serif;
	margin: 5px 0 0 0;
	border: 1px solid #7F9DB9;
	padding: 1px;
	font-size: 13px;
}

.calculation {
  background: #D5EDE7;;
	margin: 0 0 20px 0;
	padding: 20px 25px 10px 20px;
	border: 0px solid #BDBDBD;
}

.calculation table th {
	font-size: 13px;
	padding: 0 10px 15px 0;
	text-align: left;
	vertical-align: top;
}

.calculation table td {
	padding: 0 10px 15px 0;
}

.calculation table td input {
	font-family: Arial, Verdana Helvetica, sans-serif;
	border: 1px solid #7F9DB9;
	padding: 1px;
	font-size: 13px;
}

.calculation table td a {
	margin: 0 15px 0 0;
}