#heading {
	padding-left: 15px;
	padding-bottom: 2px;
	font-family: Arial, Helvetica, sans-serif;
	font-size: 10pt;
	color: #000000;
	text-decoration: none;
	background-color: #B3B3B3;
	font-weight: bold;
	background-position: top;
	text-align: left;
	padding-top: 2px;
	border-left-width: thick;
	border-left-style: solid;
	border-left-color: #000000;
	}
	
	#heading2 {
	padding-left: 5px;
	padding-bottom: 1px;
	font-family: Arial, Helvetica, sans-serif;
	font-size: 9px;
	color: #000000;
	text-decoration: none;
	background-color: #B3B3B3;
	font-weight: bold;
	background-position: top;
	text-align: left;
	padding-top: 1px;
	border-left-width: thick;
	border-left-style: solid;
	border-left-color: #000000;
	}
	
#contents {
	padding-left: 15px;
	padding-bottom: 20px;
	font-family: Arial, Helvetica, sans-serif;
	font-size: 11px;
	color: #000000;
	text-decoration: none;
	background-color: #FFFFFF;
	font-weight: normal;
	background-position: top;
	text-align: left;
	padding-top: 0px;
	padding-right: 20px;
	}

#footer {
	padding-left: 15px;
	padding-bottom: 0px;
	font-family: Arial, Helvetica, sans-serif;
	font-size: 10px;
	color: #FFFFFF;
	text-decoration: none;
	font-weight: normal;
	background-image: none;
	}

.righttext {
	float: right;
	margin-right: 16px;
	margin-bottom: 0px;
	margin-left: 16px;
	color: #000000;
	font-size: 10pt;
	font-family: Arial, Helvetica, sans-serif;
	background-image: url(../images/rightside_header2.png);
	background-repeat: no-repeat;
	margin-top: 16px;
	padding-right: 10px;
	padding-bottom: 0px;
	padding-left: 10px;
	}
	
.tips {
	float: left;
	margin-right: 16px;
	margin-bottom: 0px;
	margin-left: 16px;
	color: #000000;
	font-size: 10pt;
	font-family: Arial, Helvetica, sans-serif;
	background-image: url(../images/rightside_header3.png);
	background-repeat: no-repeat;
	margin-top: 16px;
	padding-right: 40px;
	padding-bottom: 0px;
	padding-left: 10px;
	width: 360px;
	padding-top: 20px;
	}

div.testimonials {
	margin-top: 0px;
	margin-bottom: 0px;
	padding-top: 0px;
	padding-right: 10px;
	padding-bottom: 0px;
	padding-left: 10px;
	border: thin solid #CCCCCC;
	background-color: #E9E9E9;
	font-size: 14px;
	margin-right: 0px;
	text-align: center;
	width: 570px;
	line-height: 20px;
	font-family: Arial, Helvetica, sans-serif;
	font-style: italic;
}
div.benefits {
	margin-top: 5px;
	margin-bottom: 20px;
	padding-top: 5px;
	padding-right: 8px;
	padding-bottom: 8px;
	padding-left: 8px;
	border: thin solid #CCCCCC;
	background-color: #E9E9E9;
	font-size: 11px;
	font-family: Verdana, Arial, Helvetica, sans-serif;
	width: 420px;
	font-style: italic;
	font-weight: normal;
	line-height: 15px;
}