@charset "utf-8";
<!-- 
body  {
	font: 100% Verdana, Arial, Helvetica, sans-serif;
	background: #c9c7c4;
	margin: 0; /* it's good practice to zero the margin and padding of the body element to account for differing browser defaults */
	padding: 0;
	text-align: center; /* this centers the container in IE 5* browsers. The text is then set to the left aligned default in the #container selector */
	color: #000000;
}

.twoColFixLtHdr #container { 
	width: 780px;  /* using 20px less than a full 800px width allows for browser chrome and avoids a horizontal scroll bar */
	background: #FFFFFF;
	margin: 0 auto; /* the auto margins (in conjunction with a width) center the page */
	margin-top:10px;
	background:url(/img/template/body-bkg-shadow.png) repeat-y;
	text-align: left; /* this overrides the text-align: center on the body element. */
} 
.twoColFixLtHdr #header { 
	background:url(/img/template/body-bkg-shadow-hdr.png) no-repeat;
	background-position:top; 
	padding: 11px 10px 0 10px;  /* this padding matches the left alignment of the elements in the divs that appear beneath it. If an image is used in the #header instead of text, you may want to remove the padding. */
} 
.twoColFixLtHdr #header h1 {
	margin: 0; /* zeroing the margin of the last element in the #header div will avoid margin collapse - an unexplainable space between divs. If the div has a border around it, this is not necessary as that also avoids the margin collapse */
	padding: 10px 0; /* using padding instead of margin will allow you to keep the element away from the edges of the div */
}

.twoColFixLtHdr #header #branding {
	background:url(/img/template/header-bkg.png) repeat-x;
	height:198px;
	width:760px;
	text-align:center;
}
.twoColFixLtHdr #sidebar1 {
	float: left; /* since this element is floated, a width must be given */
	width: 180px; /* the actual width of this div, in standards-compliant browsers, or standards mode in Internet Explorer will include the padding and border in addition to the width */
	background: none; /* the background color will be displayed for the length of the content in the column, but no further */
	padding: 0 0 0 11px;
}
.twoColFixLtHdr #mainContent { 
	margin: 0 0 0 250px; /* the left margin on this div element creates the column down the left side of the page - no matter how much content the sidebar1 div contains, the column space will remain. You can remove this margin if you want the #mainContent div's text to fill the #sidebar1 space when the content in #sidebar1 ends. */
	padding: 20px 30px 20px 0; /* remember that padding is the space inside the div box and margin is the space outside the div box */
} 
.twoColFixLtHdr #footer { 
	padding: 0px 10px 11px 10px;
	background:url(/img/template/body-bkg-shadow-ftr.png) no-repeat;
	background-position:bottom;
} 
.twoColFixLtHdr #footer p {
	margin: 0; /* zeroing the margins of the first element in the footer will avoid the possibility of margin collapse - a space between divs */
	padding: 10px; /* padding on this element will create space, just as the the margin would have, without the margin collapse issue */
	background:#3a2007;
	color:#fff;
	font-size:.65em;
	text-align:center;
}
.twoColFixLtHdr #legal p {
	font-size:.65em;
	text-align:center;
}
.twoColFixLtHdr #legal img{
	border:0;
	padding:5px 10px;
}
.fltrt { /* this class can be used to float an element right in your page. The floated element must precede the element it should be next to on the page. */
	float: right;
	margin-left: 8px;
}
.fltlft { /* this class can be used to float an element left in your page */
	float: left;
	margin-right: 8px;
}
.clearfloat { /* this class should be placed on a div or break element and should be the final element before the close of a container that should fully contain a float */
	clear:both;
    height:0;
    font-size: 1px;
    line-height: 0px;
}
--> 

.nav {
	margin:0;
	padding:0;
	list-style-type:none;
	background:none;
}
#nav-util {
	float:right;
	padding-right:10px;
	height:26px;
	line-height:26px;
}
#nav-util li {
	padding:0;
	margin:0;
	float:left;
	background:url(/img/arrow-white.png) no-repeat;
	background-position:2px 9px;
	padding:0 10px;
	font-size:.7em;
}
#nav-util a {
	color:#fff;
	text-decoration:none;
}
#nav-util a:hover {
	text-decoration:underline;
}
#nav-main {
	background-color:#e8e2d8;
	padding:20px 0 20px 20px;
}
#nav-main li {
	margin:0;
	padding:0;
	height:25px;
	line-height:25px;
	width:175px;
	font-size:.72em;
	
}
#nav-main li a {
	color:#a88664;
	text-decoration:none;
	font-family:Arial, Helvetica, sans-serif;
	padding-left:15px;
}

.hdr-image {
	border:1px solid #4b4033;
}
h1 {
	margin:0;
	padding:0;
	padding-bottom:10px;
	margin-bottom:15px;
	font-family:Georgia, "Times New Roman", Times, serif;
	font-size:1.75em;
	font-weight:normal;
	color:#927036;
	letter-spacing:4px;
	border-bottom:1px solid #d7d5d5;
}
h2 {
	margin:0;
	padding:0;
	padding-bottom:3px;
	font-family:Georgia, "Times New Roman", Times, serif;
	font-size:1.25em;
	font-weight:normal;
	color:#927036;
	letter-spacing:2px;
}
h3 {
	margin:0;
	padding:0;
	padding-bottom:3px;
	font-family:Georgia, "Times New Roman", Times, serif;
	font-size:1em;
	font-weight:normal;
	color:#927036;
	letter-spacing:1px;
}
h4 {
	margin:0;
	padding:0;
	padding-bottom:3px;
	font-family:Georgia, "Times New Roman", Times, serif;
	font-size:.75em;
	font-weight:normal;
	color:#927036;
	letter-spacing:1px;
}
p {
	padding:0;
	margin:0;
	font-family:Arial, Helvetica, sans-serif;
	font-size:.72em;
	padding-bottom:10px;
}
li {
	font-family:Arial, Helvetica, sans-serif;
	font-size:.75em;
	padding-bottom:10px;
}
#home .hm, #about-us .au, #our-staff .os, #mortgage-planning .mp, #buying-a-home .bh, #refinance .re, #home-equity-line .he, #construction .co, #bare-land .bl, #commercial .cl, #reverse-mortgage .rm, #documentation .do, #links .li, #modification .mm {
	background-color:#fff;
}
#home .hm a, #about-us .au a, #our-staff .os a, #mortgage-planning .mp a,  #buying-a-home .bh a, #refinance .re a, #home-equity-line .he a, #construction .co a, #bare-land .bl a, #commercial .cl a, #reverse-mortgage .rm a, #documentation .do a, #links .li a, #modification .mm a {
	color:#592e04;
	background:url(/img/arrow-brown.png) no-repeat;
	background-position:6px 2px;
	padding-left:15px;
}