/* BEGIN CSS RESET */
html, body, div, span, applet, object, iframe,
h1, h2, h3, h4, h5, h6, p, blockquote, pre,
a, abbr, acronym, address, big, cite, code,
del, dfn, em, font, img, ins, kbd, q, s, samp,
small, strike, strong, sub, sup, tt, var,
dl, dt, dd, ol, ul, li,
fieldset, form, label, legend,
table, caption, tbody, tfoot, thead, tr, th, td {
	margin: 0;
	padding: 0;
	border: 0;
	outline: 0;
	font-weight: inherit;
	font-style: inherit;
	font-size: 100%;
	font-family: inherit;
	vertical-align: baseline;
}
/* remember to define focus styles! */
:focus {
	outline: 0;
}
body {
	background: url(../images/bg.jpg) top left repeat-x;
	text-align: center;
	font-family: Verdana, Arial, Helvetica, sans-serif;
	font-size: 12px;
	line-height: 18px;
}
ol, ul {
	list-style: none;
}
/* tables still need 'cellspacing="0"' in the markup */
table {
	border-collapse: separate;
	border-spacing: 0;
}
caption, th, td {
	text-align: left;
	font-weight: normal;
}
blockquote:before, blockquote:after,
q:before, q:after {
	content: "";
}
blockquote, q {
	quotes: "" "";
}
/* END CSS RESET */


/************************
 BEGIN CSS 
 ************************/

body {
	background: url(../images/bg.jpg) top left repeat-x;
	text-align: center;
	font-family: Verdana, Arial, Helvetica, sans-serif;
	font-size: 12px;
	line-height: 18px;
	}

#wrapper {
	width:963px;
	margin:0 auto;
	padding:0;
	text-align:left;
	position:relative;
	}

 #sidebanner {
      position:absolute;
	top:110px;
	left:805px;
	z-index:0;
	}
	
#frame {
	background: url(../images/frame-bg.gif) no-repeat top left;
	width:803px;
	position:relative;
	top:104px;	
	padding: 7px;
	}

h1 {
	font-size: 24px;
	font-family:Verdana, Arial, Helvetica, sans-serif;
	position: absolute;
	top:10px;
	left:5px;
	}

h1 a {
	display: block;
  	width: 691px;
  	height: 133px;
  	text-decoration: none;
 	border: 0;
	text-indent: -2000px;
  	background: url(../images/head.jpg) top left no-repeat;
	}
	
#content {
	margin:0;
	padding:0;
	width:789px;
	}
	
#middle-ad-bar {
	display: block;
	width:791px;
	padding-top:1px;
	}
	
#middle-ad-bar #left,
#middle-ad-bar #middle,
#middle-ad-bar #right {
	background: #feaa43;
	float:left;
	width:262px;
	border-right: 1px solid #ffb259;
	height: 190px;
	position: relative;
	}
	
#middle-ad-bar h2 {
	background: url(../images/ad-bar-h2-bg.jpg) top left repeat-x;
	display: block;
	height: 23px;
	width: 252px;
	padding:2px 0 0 10px
	}

	
#middle-ad-bar h2 a {
	font: Verdana, Arial, Helvetica, sans-serif;
	color:#fff;
	font-size:12px;
	text-decoration: none;
	font-weight:bold;
	}

#middle-ad-bar h2 a:hover {
	background-position: 0 -26px;
}
	
#middle-ad-bar p {
	color:#000;
	margin: 2px 4px 6px 10px;
	}

#middle-ad-bar p a:hover {
	color: red;
	}
	

#middle-ad-bar .ft {
	background: url(../images/ad-bar-ft-bg.gif) top left no-repeat;
	width:227px;
	height:24px;
	margin:0;
	position:absolute;
	bottom:0;
	padding: 2px 0 0 35px;
	}
	
#home-content #left {
	float: left;
	width: 239px;
	border: 1px solid #e6e6e6;
	margin-top:10px;
	padding: 0 10px 10px 10px;
	margin-bottom: 10px;
	height:490px;
	}
	
#home-content #middle {
	float: left;
	width: 239px;
	border: 1px solid #e6e6e6;
	background: #fffedb;
	margin: 10px 3px 0 3px;
	padding: 0 10px 10px 10px;
	margin-bottom: 10px;
	height:490px;
	}

#home-content #right {
	float: left;
	width: 239px;
	border: 1px solid #e6e6e6;
	margin-top: 10px;
	padding: 0 10px 10px 10px;
	margin-bottom: 10px;
	height:490px;
	}

#home-content h2 {
	font-size: 14px;
	font-weight: bold;
	margin-top:10px;
	color: #095eb8;
	}
	
#home-content h3 {
	font-size: 13px;
	font-weight:bold;
	margin: 7px 0;
	}

#home-content p {
	margin-top: 8px;
	}
	
#home-content ul {
	padding-left: 18px;
	}
	
#home-content li {
	list-style:disc;
	}

#footer {
	background: #033f88 url(../images/footer-bg.gif) top left repeat-x;
	padding: 22px 10px 0 15px;
	width: 764px;
	margin:0;
	clear:both;
	overflow: auto;
	color:#fff;
	}

#ft-left,
#ft-middle {
	float:left;
	margin-right:35px;
	width:210px;
	}
	
#ft-right {
	float: left;
	width:250px;
	}
	
#footer h2 {
	font-size: 20px;
	font-family: Verdana, Arial, Helvetica, sans-serif;
	font-weight: lighter;
	color:#fff;
	padding:4px 0 6px 7px;
	margin:10px 0 0 0;
	border-bottom: 2px solid #779a55;
	}
	
#ft-left ul li,
#ft-middle ul li {
	border-bottom: 1px dotted #749255;
	padding: 5px 0 5px 15px;
	list-style:none;
	background: url(../images/footer-list.gif) left no-repeat;
	}
	
#footer ul {
	margin:0;
	padding:0;
	}

#footer ul li a {
	color: #fff;
	font-family: Verdana, Arial, Helvetica, sans-serif;
	font-size: 12px;
	}
	
#ft-right p {
	margin:0;
	padding:7px 0 0 7px;
	}
	
#ft-right form {
	margin:0;
	padding:0;
	}

/*---------------------
	Nav
----------------------*/

#nav {
	height: 29px;
	width:789px;
	list-style: none;
	display: block;
	background: url(../images/nav-bg.gif) top left no-repeat;
	margin-bottom: 3px;
	}
	
#nav li {
	display: inline;
	float: left;
	}
	
#nav a {
	display:block;
	height:29px;
	text-indent: -2000px;
	text-decoration: none;
	}
	
#nav a:hover {
	background-position: 0 -29px;
	}
	
#t-home a  {
	width: 64px;
	background: url(../images/nav-home.gif) top left no-repeat;
	}
	
#t-apply a  {
	width: 103px;
	background: url(../images/nav-apply.gif) top left no-repeat;
	}
	
#t-rates a  {
	width: 108px;
	background: url(../images/nav-rates.gif) top left no-repeat;
	}
	
#t-calc a  {
	width: 93px;
	background: url(../images/nav-calc.gif) top left no-repeat;
	}
	
#t-resources a  {
	width: 144px;
	background: url(../images/nav-resources.gif) top left no-repeat;
	}
	
#t-refinancing a  {
	width: 96px;
	background: url(../images/nav-refinancing.gif) top left no-repeat;
	}

#t-about a  {
	width: 83px;
	background: url(../images/nav-about.gif) top left no-repeat;
	}
	
#t-contact a  {
	width: 91px;
	background: url(../images/nav-contact.gif) top left no-repeat;
	}

#promo a {
	display: block;
	width: 781px;
	height: 248px;
	position: absolute;
	top:54px;
	text-indent:-1000px;
	}
	
#promo2 a {
	display: block;
	width: 300px;
	height: 248px;
	position: absolute;
	top:54px;
	text-indent:-1000px;
	}

/*======================*/

#clear {
	clear:both;
	}

#main-content {
	margin: 0 20px 15px 220px;	
	color:#333333;
	}
	
#main-content p {
	margin-bottom: 14px;
	}
	
#main-content h2 {
	color:#666;
	font-size: 26px;
	font-family:"Times New Roman", Times, serif;
	display: block;
	width: 500px;
	padding-bottom: 4px;
	border-bottom: 1px solid #ccc;
	margin:10px 0 15px 0;
	line-height: 32px;
	font-weight: normal;
	}
	
#main-content h3 {
	font-size: 16px;
	margin-bottom: 10px;
	font-weight: bold;
	color: #095eb8;
	}
	
#main-content h4 {
	font-size: 14px;
	margin-bottom: 8px;
	font-weight: bold;
	}
	
#main-content ul,
#main-content ol {
	padding-left: 25px;
	margin-bottom: 14px;
	}
	
#main-content ul li {
	list-style: disc;
	margin-bottom: 10px;
	}
	
#main-content ol li {
	list-style: decimal;
	margin-bottom: 10px;
	}
	
#main-content ul ul li {
	list-style: circle;
	}
	
#main-content ul ul {
	margin-top: 8px;
	}
	
strong {
	font-weight:bold;
	}
	
#sidebar {
	width: 180px;
	float:left;
	overflow:auto;
	color:#666;
	margin-left:7px;
	}

#sidebar h2 {
	font-family: Verdana, Arial, Helvetica, sans-serif;
	font-size: 18px;
	color: #ff6903;
	margin-bottom: 10px;
	}
	
#sidebar p {
	margin-bottom: 10px;
	}
	
#sidebar ul {
	margin:5px 0 20px 0;
	border-top: 1px solid #CCC;
	}
	
#sidebar ul a {
	text-decoration: none;
	color: #02458c;
	display:block;
	}

* html body #sidebar ul a {
	width:100%;
	}
	
#sidebar li {
	border-bottom: 1px solid #CCC;
	padding: 2px 10px;
	background: url(../images/home-sidebar-list.gif) left no-repeat;
	}
	
#sidebar li:hover, #sidebar li.sfhover {
	background: #ffe689 url(../images/home-sidebar-list.gif) left no-repeat;
}

	
div.row {
  padding-top: 10px;
  }
  
#home-content div.submit {
	padding: 10px 0 0 63px;
	}

#main-content div.submit {
	padding: 10px 0 0 110px;
	}

#home-content div.row span.label {
  float: left;
  width: 60px;
  text-align: right;
  padding-right:3px;
  }

#home-content div.row span.formw {
  width: 100px;
  text-align: left;
  }
  
#main-content div.row span.label {
  float: left;
  width: 110px;
  text-align: right;
    padding-right:3px;
  }

#main-content div.row span.formw {
  width: 200px;
  text-align: left;
  } 
  
#events {
	border-top: 1px solid #0099FF;
	border-bottom: 1px solid #0099FF;
	margin-left:0;
	padding:0;
	list-style:none;
	}
	
#events li {
	padding: 3px 10px;
	margin:0;
	}
	
#events li.odd {
	background-color: #ddeeff;
	}
	
#mast {
	background: url(../images/mast.jpg) top left no-repeat;
	width: 789px;
	height: 213px;
	z-index:-10;
	}
	
#sub-mast {
	width: 789px;
	height: 61px;
	background: url(../images/mast-sub.jpg) top left no-repeat;
	}
	
#yellow-bg {
	background: url(../images/yellow-bg.jpg) top left repeat-x;
	border-top: 1px solid #5a733e;
	padding: 0 15px 15px 15px;
	}
	
.yellow-bg {
	background-color: #FFFF33;
	}
	
#yellow-bg h3 {
	margin-top: 8px;
	}
	
#banner {
	display:block;
	width:468px;
	height:60px;
	position: absolute;
	right:10px;
	top:26px;
	}
	
img.about {
	float:right;
	border: 1px solid #CCCCCC;
	margin: 15px 0 15px 15px;
	padding: 2px;
	}


div#div1,
div#div2,
div#div3,
div#div4,
div#div5,
div#div6,
div#div7,
div#div8,
div#div9,
div#div10,
div#div11,
div#div12,
div#div13,
div#div14,
div#div15,
div#div16,
div#div17,
div#div18,
div#div19,
div#div20,
div#div21,
div#div22,
div#div23,
div#div24,
div#div25,
div#div26,
div#div27,
div#div28,
div#div29,
div#div30,
div#div31,
div#div32,
div#div33,
div#div34,
div#div35,
div#div36,
div#div37,
div#div38,
div#div39,
div#div40,
div#div41,
div#div42,
div#div43,
div#div44,
div#div45,
div#div46,
div#div47,
div#div48,
div#div49,
div#div50,
div#div51,
div#div52,
div#div53,
div#div54,
div#div55,
div#div56,
div#div57,
div#div58,
div#div59,
div#div60,
div#cform,
div#cform2,
div#caseminar,
div#nvseminar,
div#noseminar,
div#MI-fthb,
div#MI-mui,
div#MI-ci,
div#MI-gz,
div#MI-gz-agents,
div#Alabama,
div#Alaska,
div#Arizona,
div#Arkansas,
div#California,
div#Colorado,
div#Connecticut,
div#DC,
div#Delaware,
div#Florida,
div#Georgia,
div#Hawaii,
div#Idaho,
div#Illinois,
div#Indiana,
div#Iowa,
div#Kansas,
div#Kentucky,
div#Louisiana,
div#Maine,
div#Maryland,
div#Massachusetts,
div#Michigan,
div#Minnesota,
div#Mississippi,
div#Missouri,
div#Montana,
div#Nebraska,
div#Nevada,
div#NewHampshire,
div#NewJersey,
div#NewMexico,
div#NewYork,
div#NorthCarolina,
div#NorthDakota,
div#Ohio,
div#Oklahoma,
div#Oregon,
div#Pennsylvania,
div#PuertoRico,
div#RhodeIsland,
div#SouthCarolina,
div#SouthDakota,
div#Tennessee,
div#Texas,
div#Utah,
div#Vermont,
div#Virginia,
div#Washington,
div#WestVirginia,
div#Wisconsin,
div#Wyoming
{
  display: none;
}