body {margin-left:40px;
      margin-right:20px;}

body, div, p, blockquote, ul, ol, li, td
   {font-family: Arial,Verdana,Sans-serif; font-size: 10pt;}

//mjb
.bg {background-color:#f0f0f0;}

small
   {font-family: Arial,Verdana,Sans-serif; font-size: 8pt;}

h1, h2, h3, h4, h5, h6
   {font-family: Arial,Verdana,Sans-serif;
    font-weight: bold;}

h1 {font-size: 19pt;
    color:navy;
    font-weight:normal;
    margin-left:0px;}

h2 {font-size: 17pt;
    color: navy;
    font-weight:normal;
    margin-left: -30px;}

h3 {font-size: 12pt;
    color: navy;
    font-weight:normal;
    border-style: none;
    border-width: thin;
    border-color: #f0f0f0;
    margin-left: -30px;
    background-color: #f0f0f0;}

h4 {font-size: 10pt;
    font-style: italic;
    color: gray;
    margin-left: -30px;}

h5 {font-size: 10pt;
    font-style: italic;}

blockquote
   {font-style:italic;}

a:link    {color:navy;}
a:visited {color:purple;}
a:active  {color:red;}