body, div, h1, h2, h3, h4, p, ul, ol, li, dl, dt, dd, img, form, fieldset, blockquote {
    margin: 0px;
    padding: 0px;
    border: 0px;
}

body { background: #cccccc url(../images/bg-black-gray405h.jpg) 0 0 repeat-x;
       text-align: center;
       font-size: 62.5%; /*set to this to make em calculations based on 10-pixel em square*/
       font-family: Arial, Helvetica, Verdana, sans-serif;
     }
     
#container { width: 840px;
	     margin: 0 auto;
	     text-align: left;
           }

p, h1, h2, #content ul, #content ol { margin-bottom: 15px; }

a img, :link img, :visited img { border: none }

a:link, a:visited { color: #4373c7;
                    text-decoration: underline;
                  }

a:hover, a:active { color: #666666;
                    text-decoration: underline;
                  }

/* *******************LOGO AND MENU AREA******************* */

#top { 	margin: 0 30px; }

#logo { position: relative; margin-left: 730px; margin-top: 4px; z-index: 10; }
	
#menu { position: relative;
        margin-top: -25px; 
        float: left;
	clear: right;
	z-index: 100;
      }
		
#menu li { float: left;
	   margin: 0 0 0 1px;
           padding: 0;
	   font-weight: bold;
	   font-size: 1.1em;
	   list-style: none;
	   line-height: 30px;
	   height: 30px;
	   font-family: Verdana, Arial, Helvetica, sans-serif;
	 }
	 
#menu li a, #menu li a:link, #menu li a:active, #menu li a:visited {
		  	color: #fff;
		  	padding: 8px 10px;
		  	text-decoration: none;
			background: #666666;
			line-height: 30px;
			height: 30px;
		}
		
#menu li a:hover { background: #4373c7;
		   color: #fff;	
		 }

/* ********* HEADER *********** */

#header { height: 173px; padding: 0 30px; margin-top: 5px; }

.index { background: transparent url(../images/headers/index-header.jpg) 0 0 no-repeat; }

.products { background: transparent url(../images/headers/products-header.jpg) 0 0 no-repeat; }

.loanexamples { background: transparent url(../images/headers/loanexamples-header.jpg) 0 0 no-repeat; }

.process { background: transparent url(../images/headers/loan-process-header.jpg) 0 0 no-repeat; }

.underwriting { background: transparent url(../images/headers/underwriting-header.jpg) 0 0 no-repeat; }

.contact { background: transparent url(../images/headers/contact-header.jpg) 0 0 no-repeat; }

.sitemap { background: transparent url(../images/headers/sitemap-header.jpg) 0 0 no-repeat; }

#header h1, #header p { color: #FFF; margin-bottom: 20px; font-family: verdana, arial, helvetica, sans-serif; }
	              
#header h1 { font-size: 20px; padding-top: 45px; }

#header p { font-size: 16px; }

/* ********* CONTENT *********** */

#content { width: 840px; 
           margin-top: 10px;
           margin-left: 0;
           margin-right: 0;
           background: #fff;
	   text-align: justify; 
         }
         
         .column { float: right; width: 242px; }
         
.topcorners, .bottomcorners { border: none; }
             
#content h1 { font-size: 1.7em;
              font-family: Verdana, Arial, Helvetica, sans-serif;
              margin: 15px;
              color: #4373c7;
              width: 560px;
              text-align: left;
            }

#content h2 { font-size: 1.3em;
              font-family: Verdana, Arial, Helvetica, sans-serif;
              margin: 15px;
              color: #4373c7;
              width: 560px;
              text-align: left;
            }
            
#content h3 { font-size: 1.2em;
	      font-family: Verdana, Arial, Helvetica, sans-serif;
	      margin: 15px;
	      color: #000;
	      width: 560px;
	      text-align: left;
            }
            
p { font-size: 1.2em;
    margin: 15px;
    color: #000;
    line-height: 18px;
    width: 560px;
  }
  
#content ol { font-size: 1.2em;
      margin: 25px;
      color: #000;
      line-height: 18px;
      width: 560px;
  }
	
#content li { margin-left: 25px; }

ul.bullets { font-size: 1.2em;
      margin: 25px;
      color: #000;
      line-height: 18px;
      width: 560px;
  }


/* ********* FOOTER *********** */

#footer { width: 840px;
	  margin: 10px auto;
	  text-align: center;
        }

#footer p { font-size: 1.2em;
            font-weight: bold;
	    width: 840px;
	    line-height: 1.3em;
	  }
	  
#footer p.copyright { font-size: 1.0em;
                      width: 840px;
                    }