body { 
        background-color:#ffffff;
        padding-left:20; 
        text:#404040;
        font-size:10pt;  
        font-family:Verdana, Geneva, Arial, Helvetica, sans-serif;
        }

div.indent {
        padding-left:30; 
        }

h1 {font-family:sans-serif; 
    font-size:18pt;
    }

h2 {font-family:sans-serif;
    font-size:16pt;  
        }

h3 {font-family:sans-serif;
    font-size:12pt;  
        background-color:#99CCCC;
        }

h4 {font-family:sans-serif;
    font-size:10pt;  
        background-color:#cfcfcf;
        }


A:hover {color:#009900; }