html {
   background-image:url(../images/bkg_html.gif);
   background-repeat:repeat-x;
   margin:0;
   padding:0;
   font-family:georgia;
   color:#787878;
   font-size:14px;
   line-height:22px;
}
a {
   color:#787878;
}
body {
   background-image:url(../images/bkg_body.jpg);
   background-repeat:no-repeat;
   background-position:top center;
   margin:0;
   padding:0;   
}

div.holder {
   width:820px;
   margin:auto;
   padding-top:140px;
    overflow:hidden;
}

div.holder h1 {
   margin:0;
   padding:0;
   font-weight:normal;
   font-size:48px;
   color:#585858;
   padding-bottom:10px;
}

p.topLead {
   width:600px;
   font-size:18px;
   line-height:24px;
}

hr {
   width:600px;
   background-color:#787878;
   height:1px;
   border:0px;
   margin-left:0px;
   text-align:left;
}

div.colum {
   width:280px;
   float:left;
   overflow:hidden;
   margin-right:40px;
   padding-top:10px;
}
h2 {
   margin:0;
   padding:0;
   font-weight:normal;
   font-size:24px;
   color:#585858;
   padding-top:20px;
}

div.colum p {
   margin:0;
   padding:0;
   padding-top:5px;
   padding-bottom:2px;
}
div.colum a {
   text-decoration:none;
   color:#2079b3;
}
div.colum a:hover {
   text-decoration:underline;
}

div.footer {

   background-color:#f0f0f0;
   border-top:1px solid #e2e2e2;
   font-family:arial;
   padding-top:10px;
   padding-bottom:10px;
   text-align:center;
   margin-top:100px;
   font-size:12px;
}
p.zaphy {
   font-size:11px;
}

a {
   text-decoration:none;
   color:#2079b3;
}
a:hover {
   text-decoration:underline;
}