body{
background-image: url('../images/back.jpg');
        padding: 0px; 
        margin: 0px;
        font-size:smaller;
                font-family: tahoma;
}
html, body, #wrapper {
        height:100%;
        margin:0px;
        padding:0px;
        border: none;
        text-align: center;
}
#wrapper {
        margin: 0px auto;
        text-align: left;
        vertical-align: middle;
        width: 100%;
}
.menu{
        padding:0px;
        margin:0px 5px 2px 0px;
        width:550px;
}
.menu a{
        display:block;
        height:15px;
        font-size:14px;
        font-weight:bold;
        color:#363D61;
        text-decoration:none;
        padding:6px 1px;
}
.menu_hover a, .menu a:hover{
        background:#CAD4E5;
        border:1px solid #FFFFFF;
        padding:5px 0px;
        color:#131832;
}
.menu2{
        padding:0px;
        margin:3px 0px 2px 5px;
        width:330px;
}
.menu2 a{
        display:block;
        height:15px;
        font-size:14px;
        font-weight:bold;
        color:#363D61;
        text-decoration:none;
        padding:6px 1px;
}
.menu2 a:hover{
        background:#CAD4E5;
        border:1px solid #FFFFFF;
        padding:5px 0px;
        color:#131832;
}
.cleardiv{
        clear:both;
        height:1px;
        overflow:hidden;
}
.ddmenupanel{   
        display:none;
        margin:0px;
        padding:0px;
        position:absolute ;
        border:1px solid #FFFFFF;
        border-top:0px;
        margin-top:28px;
        background:#CAD4E5;
        text-align:left;
        list-style:none;
        white-space:nowrap;
}
.ddmenupanel li{
        margin:1px;
}
.ddmenupanel li a{
        font-weight:normal;
        font-size:12px;
        color:#000000;
        padding:3px 5px 2px 10px;
        border:0px;
        background:#CAD4E5;
}
.ddmenupanel li a:hover{
        color:#000000;
        border:0px;
        padding:3px 5px 2px 10px;
        background:#CAD4E5;
        text-decoration:underline;
}
.titletext{
        margin:40px auto auto 23px;
        font-size:22px;
        font-family:"Times New Roman", Times, serif;
        font-weight:bold;
}
.text{
        color:#262669;
        font-size:12px;
        margin: 0px 52px auto 23px;
        padding-bottom: 12px;
        text-align: justify;
}