body {
  padding:0px; margin:0px; font-family:arial,sans-serif; color:#000000;
  background:#286496 url(pic/i_bkg_cg.jpg) repeat-y;
}
object,embed { line-height:0px; margin:0px; padding:0px; }
table,img { border-width:0px; padding:0px; margin:0px; }
h3,h4 { margin-bottom:10px; }
.main { width:100%; height:100%; background:url(pic/i_bkg_lg.gif) no-repeat scroll top left; }

/* HEADER: m=main | t=text */
.hm { border-top:2px solid #000000; border-bottom:2px solid #000000; }
.hm table { width:100%; height:144px; }
.ht { padding:15px; text-align:center; vertical-align:middle; font-size:16px; font-weight:bold; letter-spacing:1px; }

/* CONTENT: m=main | lc/rc=left/right column | b=bullet */
.cm table { width:100%; }
.clc,.crc { text-align:left; vertical-align:top; }
.clc { padding:6px; }
.clc table { width:auto; }
.crc { border-left:1px solid #000000; width:100%; padding:20px; font-size:15px; background:#f0fbff; }
.cb1 { padding-left:20px; }

/* FOOTER: m=main */
.fm { border-top:1px solid #000000; padding:4px; text-align:center; font-size:14px; font-weight:bold; }