body {
	background-image:url(/images/bg.jpg);
	background-repeat:repeat-x;
	margin:0px;
	font-family:Georgia, "Times New Roman", Times, serif;
	font-size:12px;
}
td.nav {
	vertical-align:bottom;
	display:table-cell;
	text-align:right;
}
a.navdesel {
	color:#ffffff;
	text-decoration:none;
}
a.navdesel:hover {
	color:#FFFFFF;
	text-decoration:underline;
}
a.navsel {
	color:#000000;
	text-decoration:none;
}
a.navsel:hover {
	color:#000000;
	text-decoration:underline;
}
#main {
	margin-top:40px;
}
td.left {
	background-image:url(/images/content-left.png);
	background-repeat:repeat-y;	
	width:6px;
}
td.right {
	background-image:url(/images/content-right.png);
	background-repeat:repeat-y;
	width:6px;
}
#content {
	width:759px;
	padding-left:15px;
	padding-right:15px;
	background-color:#FFFFFF;
}
#left-column {
	width:489px;
	vertical-align:top;
}
#left-column p {
	line-height:18px;
}
h1 {
	color:#7A612B;
	font-size:18px;
	font-weight:bold;
}
h2 {
	color:#9BC431;
	font-size:14px;
	font-weight:bold;
}
#right-column {
	width:231px;
	vertical-align:top;
}
#borders {
	border:1px solid #cbcbcb;
	margin-bottom:16px;
}
#apply-header {
	background-image:url(/images/apply-bg.jpg);
	background-repeat:repeat-x;
	height:27px;
	padding:4px;
	vertical-align:middle;
	display:table-cell;
	text-align:center;
}
#apply-header h3 {
	font-size:14px;
	color:#FFFFFF;
	margin:0px;
	font-weight:bold;
}
td.side-bg {
	background-image:url(/images/side-bg.jpg);
	background-repeat:repeat-x;
	padding:8px;
	font-size:11px;
	text-align:center;
}
td.side-bg2 {
	background-image:url(/images/side-bg.jpg);
	background-repeat:repeat-x;
	padding:8px;
	font-size:11px;
}
a {
	color:#7A612B;
	text-decoration:underline;
}
a:hover {
	color:#fdaf40;
	text-decoration:underline;
}
#footer {
	background-color:#A9DEF0;
	color:#FFFFFF;
	font-size:11px;
	font-weight:bold;
	text-transform:uppercase;
	width:100%;
	margin-top:20px;
	vertical-align:middle;
	display:table;
	text-align:center;
	padding-top:10px;
	padding-bottom:10px;
}
#footer ul {
	margin:0px;
	padding:0px;
}
#footer ul li {
	display:inline;
	margin-right:10px;
}
#footer a {
	text-decoration:none;
	color:#FFFFFF;
}
#footer a:hover {
	text-decoration:underline;
}

#nav-bg {
	background-image:url(/images/logo.jpg);
	background-repeat:no-repeat;
	height:178px;
	width:801px;
	left:50%;
	margin-left:auto;
	margin-right:auto;
}
#nav-bg table {
	margin-top:152px;
}



/* creates illusion of cellpadding on all td's */
#mortgage-loan-form td {
	padding:5px;
}




/* makes labels for all fields bold */
.form-01, .form-03, .form-05 {
	font-weight:bold;
}




/* centers all form elements */
#mortgage-loan-form td {
	text-align:center;
}




/* modifies the drop-down menus */
.select-01, .select-02, .select-03 {
	width:175px;
	font-family:Tahoma, Arial, sans-serif;
	font-size:12px;
}
.form-01, .form-03, .form-05 {
   font-size:12px;
   text-align:center;
}
.form-02, .form-04, .form-06 {

}
.form-02 select, .form-04 select, .form-06 select {
   width:160px;
   font-size:12px;
   margin:8px 0px 8px 0px;
}
.form-02 select:hover, .form-04 select:hover, .form-06 select:hover {

}
.form-07 input {
   margin:10px 0px 0px 0px;
}