* { padding: 0; margin: 0; }
body {
 font-family: Arial, Helvetica, sans-serif;
 font-size: 12px;
 background:#C3D4E4;
 color:#6c6f70;
}

#wrapper { 
 margin: 0 auto;
 width: 970px;
 background:url('images/center.jpg') repeat-y;

}
#header {
 color: #4286ac;
 font-weight:bold;
 font-size:12px;
 width: 970px;
 float: left;
 padding: 0px;
 height: 97px;
 margin: 0;
 background:url('images/header.jpg') no-repeat;
}
#nav {
 width: 970px;
 float: left;
 padding: 0px;
 height: 30px;
 margin: 0;
}
#leftcolumn {
 float: left;
 margin-left:15px;
 margin-right 0;
 margin-top:0;
 margin-bottom:0;
 height: 485px;
 width: 514px;
 overflow:auto;
}
#rightcolumn { 
 float: right;
 margin-left: 0;
 margin-right:15px;
 margin-top:0;
 margin-bottom:0;
 height: 485px;
 width: 416px;
 display: inline;
 overflow:auto;
}

#rightcolumn a, #rightcolumn a:visited, #rightcolumn a:active {color:#005380;text-decoration:none;}
#rightcolumn a:hover, #rightcolumn a:visited:hover{color:#4286ac;text-decoration:underline;}
#rightcolumn b {color:#005380;}
#bottom { 
 width: 970px;
 height:63px;
 clear: both;
 color: #FFF;
 background:url('images/bottom.jpg') no-repeat;
 margin: 0;
}
#footer { 
 width: 970px;
 height:36px;
 clear: both;
 color: #B8B8B8;
 font-weight:bold;
 text-transform:uppercase;
 font-size:11px;
 background: url('images/footer.jpg') no-repeat;
 margin: 0;
}
#footer a, #footer a:active, #footer a:visited {color:#B8B8B8;text-decoration:none;}
#footer a:hover, #footer a:visited:hover {color:#6B6C6E;text-decoration:none;}


#maincontent {
padding-left:10px;
padding-right:10px;
}
testimonial {color:#4286ac;font-weight:bold;font-style:italic;font-size:80%;}

.blue{color:#4286ac;}

img{border:0;border:none;}

#maincontent a, #maincontent a:active, #maincontent a:visited {color:#015382;}
#maincontent  a:hover, #maincontent a:visited:hover {color:#000;}
#maincontent p {padding-bottom:12px;}

.goldcircle{display:none;}