* { margin: 0; }

body {
    font-family: Verdana, sans-serif;
    font-size: 12px;
    background: #fff url(images/body_bg.gif) repeat-x;
}
#wrapper { 
    margin: 0 auto;
    width: 950px;
}
.process {
    font-family: Times, sans-serif;
    font-size: 24px;
    font-style: italic;
    color: #000;
    width: 355px;
    position: relative;
    top: 60px;
    left: 595px;
    font-weight: bold;
}
#header {
    color: #333;
    width: 950px;
    height: 165px;
    background: #FFF url(images/header_bg.gif) no-repeat;
    float: left;
    margin: 10px 0px 0px 0px;
}
#content { 
    color: #333;
    background: #fff;
    margin: 0px 0px 0px 0px;
    width: 950px;
}
#bottom {
    width: 897px;
    font-family: helvetica, sans-serif;
    font-size: 16px;
    border-top: solid 1px #d1d1d1;
    padding: 10px 0 0 0;
    margin: 0 auto;
}
#bottom a {
    color: #fff;
    text-decoration: none;
}
#bottom a:visited {
    color: #f0f0f0;
}
#bottom a:hover {
    text-decoration: underline; 
    color: #f0f0f0;
}
#bottom a:active {
    color: #fff;
}
hr {
    border: 0;
    color: #9E9E9E;
    background-color: #b1b1b1;
    height: 1px;
    width: 950px;
    text-align: center;
    margin: 15px 0 0 0;
}
#contact{ 
    height: 245px;
    width: 160px;
    padding: 0 8px 0 8px;
    float: left;
    border-left: solid 1px #d1d1d1;
    border-right: solid 1px #d1d1d1;
}
#contact_header { 
    color: #fff;
    font-size: 16px;
    font-family: helvetica, sans-serif;
    background: #d10000;
    height: 20px;
    width: 146px;
    padding: 5px 0 5px 10px;
}
#contact_content { 
    color: #868686;
    font-size: 12px;
}
#contact_content h1 {
    font-size: 18px;
    color: #d10000;
    padding: 10px 0 5px 0;
}
form#contact {
    color: #868686;
    font-family: Helvetica, sans-serif;
    font-size: 10px;
    border: none;
    height: 90px;
    width: 140px;
    padding: 5px 0 0 0;
}
#contact .text {
    border: 1px solid #4d4d4d;
    font-family: Verdana, Arial, Helvetica, sans-serif;
    font-size: 11px;
    width: 100px;
    margin-right: 6px;
}
#contact .btn{
    background: #d10000;
    color:#fff;
    font-family:helvetica, sans-serif;
    font-size:10px;
    font-weight:bold;
    border: none;
    height: 16px;
    width: 102px;
    margin: 5px 0 0 38px;
}
.nav_item { 
    height: 245px;
    width: 160px;
    padding: 0 8px 0 10px;
    float: right;
    border-right: solid 1px #d1d1d1;
}
#apply_header { 
    color: #fff;
    font-size: 16px;
    font-family: helvetica, sans-serif;
    background: #88803b url(images/leftnav_apply.jpg) bottom no-repeat;
    height: 66px;
    width: 146px;
    padding: 5px 0 25px 10px;
}
#apply_content { 
    color: #868686;
    font-size: 12px;
}
#apply_content h1 {
    font-size: 18px;
    color: #88803b;
    padding: 5px 0 5px 0;
}
#rates_header { 
    color: #fff;
    font-size: 16px;
    font-family: helvetica, sans-serif;
    background: #864c2b url(images/leftnav_rates.jpg) bottom  no-repeat;
    height: 66px;
    width: 146px;
    padding: 5px 0 25px 10px;
}
#rates_content { 
    color: #868686;
    font-size: 12px;
}
#rates_content h1 {
    font-size: 18px;
    color: #864c2b;
    padding: 5px 0 5px 0;
}
#security_header { 
    color: #fff;
    font-size: 16px;
    font-family: helvetica, sans-serif;
    background: #633232 url(images/leftnav_security.jpg) bottom  no-repeat;
    height: 66px;
    width: 146px;
    padding: 5px 0 25px 10px;
}
#security_content { 
    color: #868686;
    font-size: 12px;
}
#security_content h1 {
    font-size: 18px;
    color: #633232;
    padding: 5px 0 5px 0;
}
#agents_header { 
    color: #fff;
    font-size: 16px;
    background: #4a4057 url(images/leftnav_agents.jpg) bottom  no-repeat;
    height: 66px;
    width: 146px;
    padding: 5px 0 25px 10px;
}
#agents_content { 
    color: #868686;
    font-size: 12px;
}
#agents_content h1 {
    font-size: 18px;
    color: #4a4057;
    padding: 5px 0 5px 0;
}
form#agents {
    color: #868686;
    font-family: Helvetica, sans-serif;
    font-size: 10px;
    border: none;
    height: 65px;
    width: 150px;
    padding: 5px 0 0 0;
}
#agents .text {
    border: 1px solid #4d4d4d;
    font-family: Verdana, Arial, Helvetica, sans-serif;
    font-size: 11px;
    width: 90px;
    margin-right: 6px;
}
#agents .btn{
    background: #4a4057;
    color:#fff;
    font-family:helvetica, sans-serif;
    font-size:10px;
    font-weight:bold;
    border: none;
    height: 16px;
    width: 92px;
    margin: 5px 0 0 52px;
}
#footer { 
    clear: both;
    color: #b1b1b1;
    background: #fff;
    text-align: center;
    width: 950px;
    padding: 15px 0 0 0;
}
#footer a {
    color: #b1b1b1;
    text-decoration: none;
}
#footer a:visited {
    color: #c9c9c9;
}
#footer a:hover {
    text-decoration: underline; 
    color: #a3a3a3;
}
#footer a:active {
    color: #c9c9c9;
}
.lead_in {
    color: #88803b;
    font-size: 14px;
    font-weight: bold;
}
p {
    padding: 15px 0 0 0;
}