body {
 font-family: Arial, Verdana;
 margin:0px;
 background-color:#ffffff;
 color:#383838;
}

table {
 border-collapse:collapse;
}
td {
 padding:0px;
 margin:0px; 
 border-width:0px;
}

a:link {color:#0c3579;}
a:visited {color:#0c3579;}
a:hover {color:#1661dc;}

span.hd {
 font-size:20px;
 color:#0c3579;
 margin-left:30px;
 font-weight:bold;
}

ul.hd {
 font-size:14px;
 margin-left:60px;
 line-height:200%;
}

span.hd2 {
 font-size:16px;
 color:#0c3579;
 margin-left:30px;
 font-weight:bold;
 font-family:Arial;
}
span.btx {
 font-size:12px;
 color:#404040;
 margin-left:30px;
 text-align:justify;
}
div.bd {
 border-style:solid;
 border-width:1px;
 border-color:#e0e0e0;
 background-color:#fbfbfb;
}
div.ins {
 margin:10px;
}
ul {
 margin-top:5px;
 margin-bottom:5px; 
}
div.mor {
 font-size:10px;
 margin-top:5px;
 text-align:right;
}