h1 {
	text-align: left;
	font-family: "Trebuchet MS", "Bitstream Vera Sans", verdana, lucida, arial, helvetica, sans-serif;
	color: #000;
	font-size: 18px;
	line-height: 23px;
	padding-left: 30px;
	padding-top: 10px;
	padding-bottom: 0px;
	word-spacing: 1px;
	letter-spacing: 1px;
	}
.title {
		text-align: left;
		font-family: "Trebuchet MS", "Bitstream Vera Sans", verdana, lucida, arial, helvetica, sans-serif;
		color: #FFCC00;
		font-weight: bold;
		font-size: 14px;
		line-height: 18px;
		padding-bottom: 0px;
		padding-left: 30px;
		word-spacing: 3px;
	    letter-spacing: 1px;
		}
h2 {
	text-align: left;
    font-family: "Trebuchet MS", "Bitstream Vera Sans", verdana, lucida, arial, helvetica, sans-serif;
	color: #000;
	font-size: 15px;
	line-height: 18px;
	padding-top: 0px;
	padding-left: 30px;
	padding-right: 20px;
	word-spacing: 1px;
	letter-spacing: 1px;
	}
h3 {text-align: left;
	font-family: "Trebuchet MS", "Bitstream Vera Sans", verdana, lucida, arial, helvetica, sans-serif;
    font-weight: bold;
	color: #000;
	font-size: 12px;
	padding-top: 0px;
	padding-left: 30px;
	padding-right: 20px;
	word-spacing: 1px;
	letter-spacing: 0.5px;
	}
p  {text-align: left;
	font-family: "Trebuchet MS", "Bitstream Vera Sans", verdana, lucida, arial, helvetica, sans-serif;
	color: #000;
	
	font-size: 13px;
	line-height: 16px;
	padding-bottom: 5px;
	padding-left: 30px;
	padding-right: 20px;
	word-spacing: 1px;
	letter-spacing: 0.5px;
	}
.redp	{text-align: left;
	font-family: "Trebuchet MS", "Bitstream Vera Sans", verdana, lucida, arial, helvetica, sans-serif;
	color: #990000;
	
	font-size: 13px;
	line-height: 16px;
	padding-bottom: 5px;
	padding-left: 30px;
	padding-right: 20px;
	word-spacing: 1px;
	letter-spacing: 0.5px;
	}
.bold {font-weight: bold}
.hilite	{background-color: #FFFF00;}
.important  {text-align: left;
	font-family: "Trebuchet MS", "Bitstream Vera Sans", Tahomoa, Verdana, Arial, Helvetica, sans-serif;
	color: #990000;
	font-weight: bold;
	font-size: 13px;
	line-height: 16px;
	padding-bottom: 5px;
	padding-left: 3px;
	padding-right: 2px;
	word-spacing: 1px;
	letter-spacing: 0.5px;
	}
.redhed {text-align: left;
    font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
    font-weight: bold;
	color: #990000;
	font-size: 13px;
	line-height: 14px;
	padding-bottom: 0px;
	padding-left: 0px;
	padding-right: 0px;
	word-spacing: 2px;
	letter-spacing: 1px;
		}
.notrick {text-align: center;
    font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
    font-weight: bold;
	color: #508fc4;
	font-size: 13px;
	line-height: 22px;
	padding-bottom: 0px;
	padding-left: 0px;
	padding-right: 0px;
	word-spacing: 2px;
	letter-spacing: 1px;
		}
.whitetrick {text-align: center;
    font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
    font-weight: bold;
	color: #ffffff;
	font-size: 13px;
	line-height: 22px;
	padding-bottom: 0px;
	padding-left: 0px;
	padding-right: 0px;
	word-spacing: 2px;
	letter-spacing: 1px;
		}
.bluesub {text-align: center;
		  font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
    	  font-weight: bold;
		  color: #06377F;
		  font-size: 11px;
		  padding-left: 5px;
		  padding-right: 5px;
		  word-spacing: 1px;
		  letter-spacing: 0.5px;
		  }
.redsub {text-align: center;
		font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
    	font-weight: bold;
    	color: #990000;
		font-size: 13px;
		padding-left: 5px;
		padding-right: 5px;
		word-spacing: 1px;
		letter-spacing: 0.5px;
		}
 /*this is my knockout text on left column */
.callout {text-align: right;
		  font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
		  font-weight: bold;
		  color: #FFFFFF;
		  font-size: 11px;
		  line-height: 20px;
		  padding-top: 21px;
		  padding-bottom: 0px;
		  padding-left: 0px;
		  padding-right: 15px;
		  word-spacing: 1px;
	      letter-spacing: 0.5px;
	      }
.crumb {text-align: right;
		  font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
		  font-weight: bold;
		  color: #508fc4;
		  font-size: 12px;
		  line-height: 16px;
		  padding-left: 0px;
		  padding-right: 15px;
		  word-spacing: 1px;
	      letter-spacing: 0.5px;
	      }
.bvhed {
	text-align: center;
    font-family: Palatino, "Times New Roman", Times, serif;
    		  font-weight: bold;
	color: #000;
	font-size: 18px;
	line-height: 24px;
	padding-top: 0px;
	padding-left: 30px;
	padding-right: 20px;
	word-spacing: 4px;
	letter-spacing: 2px;
	}
.bvcopy {
    text-align: center;
	font-family: Palatino, "Times New Roman", Times, serif;
	font-weight: bold;
	color: #000;
	font-size: 12px;
	line-height: 26px;
	padding-top: 0px;
	padding-left: 30px;
	padding-right: 20px;
	word-spacing: 2px;
	letter-spacing: 1px;
	}
ul {text-align: left;
	font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
	color: #000;
	font-size: 13px;
	line-height: 16px;
	padding-top: 0px;
	padding-bottom: 5px;
	margin-left: 30px;
	margin-right: 20px;
	word-spacing: 1px;
	letter-spacing: 0.5px;
	}
ol {text-align: left;
	font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
	color: #990000;
	font-size: 13px;
	line-height: 20px;
	padding-top: 0px;
	padding-bottom: 5px;
	margin-left: 30px;
	margin-right: 20px;
	word-spacing: 1px;
	letter-spacing: 0.5px;
	}
.red {text-align: left;
	font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
	color: #990000;
	font-weight: bold;
	font-size: 11px;
	line-height: 20px;
	word-spacing: 1px;
	letter-spacing: 0.5px;
	}
	
/*body copy links with class id inside <a href> bracket*/

 a.bodylink:link  {text-align: left;
				   font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
				   color: #000;
				   
				   font-size: 13px;
				   line-height: 14px;
				   padding-left: 2px;
				   padding-right: 2px;
				   word-spacing: 2px;
				   letter-spacing: 0.5px;
				   }
 a.bodylink:visited  {text-align: left;
				   font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
				   color: #0033FF;
				   font-size: 13px;
				   line-height: 14px;
				   padding-left: 2px;
				   padding-right: 2px;
				   word-spacing: 2px;
				   letter-spacing: 0.5px;
				   }				   
 a.bodylink:hover  {text-align: left;
				   font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
				   color: #9900cc;
				   font-size: 13px;
				   line-height: 14px;
				   padding-left: 2px;
				   padding-right: 2px;
				   word-spacing: 2px;
				   letter-spacing: 0.5px;
				   text-decoration: none;
				   }
 a.bodylink:active {text-align: left;
				   font-family: Arial, Helvetica, sans-serif;
				   color: #990000;
				   font-size: 13px;
				   line-height: 14px;
				   padding-left: 2px;
				   padding-right: 2px;
				   word-spacing: 2px;
				   letter-spacing: 0.5px;
				   }
				   
/*callout are links with class id inside <a href> bracket*/

 a.calloutlink:link  {text-align: left;
				   font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
				   color: #ffffff;
				   font-weight: bold;
				   font-size: 11px;
				   line-height: 14px;
				   padding-left: 2px;
				   padding-right: 2px;
				   word-spacing: 2px;
				   letter-spacing: 0.5px;
				   }
 a.calloutlink:visited  {text-align: left;
				   font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
				   color: #999999;
				   font-weight: bold;
				   font-size: 11px;
				   line-height: 14px;
				   padding-left: 2px;
				   padding-right: 2px;
				   word-spacing: 2px;
				   letter-spacing: 0.5px;
				   }				   
 a.calloutlink:hover  {text-align: left;
				   font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
				   color: #990000;
				   font-weight: bold;
				   font-size: 11px;
				   line-height: 14px;
				   padding-left: 2px;
				   padding-right: 2px;
				   word-spacing: 2px;
				   letter-spacing: 0.5px;
				   text-decoration: none;
				   }
 a.calloutlink:active {text-align: left;
				   font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
				   color: #ffffff;
				   font-weight: bold;
				   font-size: 11px;
				   line-height: 14px;
				   padding-left: 2px;
				   padding-right: 2px;
				   word-spacing: 2px;
				   letter-spacing: 0.5px;
				   }
				   				
/* next links are base navigation links */

.link a:link {text-align: center;
			  font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
			  font-size: 11px;
			  color: #000099;
			  font-weight: bold;
			  padding-left: 3px;
			  padding-right: 3px;
			  word-spacing: 2px;
			  letter-spacing: 1px;
	    	  text-decoration: none;
			  }
.link a:visited  {text-align: center;
			  font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
			  font-size: 11px;
			  color: #990000;
			  font-weight: bold;
			  padding-left: 3px;
			  padding-right: 3px;
			  word-spacing: 2px;
			  letter-spacing: 1px;
	    	  text-decoration: none;
			  }
.link a:hover {text-align: center;
			  font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
			  font-size: 11px;
			  color: #ffffff;
			  font-weight: bold;
			  padding-left: 3px;
			  padding-right: 3px;
			  word-spacing: 2px;
			  letter-spacing: 1px;
	    	  text-decoration: none;
			   }			  
.link a:active {text-align: center;
			  font-family: Tahomoa, Verdana, Arial, Helvetica, sans-serif;
			  font-size: 11px;
			  color: #000099;
			  font-weight: bold;
			  padding-left: 3px;
			  padding-right: 3px;
			  word-spacing: 2px;
			  letter-spacing: 1px;
	    	  text-decoration: none;
			  }
			  
/* next links are rollovers on image links to professional pages and eForm pages */

.rollover a:link {color: #000099;}
.rollover a:visited {}
.rollover a:hover {color: #CC0000;}
.rollover a:active {color: #000099;}

.formpic a:link {color: #ffcc00;}
.formpic a:visited {}
.formpic a:hover {color: #CC0000;}
.formpic a:active {color: #ffcc00;}

/* this identifies my W3C validation */

.www {text-align: left;
		  font-family: Arial, Helvetica, sans-serif;
		  font-weight: bold;
		  color: #fff;
		  font-size: 10px;
		  line-height: 12px;
		  padding-left: 10px;
		  padding-right: 10px;
		  word-spacing: 1px;
	      letter-spacing: 0.5px;
	      }
.www a:link {text-align: left;
		  font-family: Arial, Helvetica, sans-serif;
		  font-weight: bold;
		  color: #990000;
		  font-size: 10px;
		  line-height: 12px;
		  padding-left: 4px;
		  padding-right: 4px;
		  word-spacing: 1px;
	      letter-spacing: 0.5px;
	      text-decoration: none;
	      }
.www a:visited {text-align: left;
		  font-family: Arial, Helvetica, sans-serif;
		  font-weight: bold;
		  color: #990000;
		  font-size: 10px;
		  line-height: 12px;
		  padding-left: 4px;
		  padding-right: 4px;
		  word-spacing: 1px;
	      letter-spacing: 0.5px;
	      text-decoration: none;
		  }	      
.www a:hover {text-align: left;
		  font-family: Arial, Helvetica, sans-serif;
		  font-weight: bold;
		  color: #fff;
		  font-size: 10px;
		  line-height: 12px;
		  padding-left: 4px;
		  padding-right: 4px;
		  word-spacing: 1px;
	      letter-spacing: 0.5px;
	      text-decoration: none;
	      }
.www a:active {text-align: left;
		  font-family: Arial, Helvetica, sans-serif;
		  font-weight: bold;
		  color: #990000;
		  font-size: 11px;
		  line-height: 12px;
		  padding-left: 4px;
		  padding-right: 4px;
		  word-spacing: 1px;
	      letter-spacing: 0.5px;
	      text-decoration: none;
	      }      
.copyright  {text-align: center;
			 font-family: Arial, Helvetica, sans-serif;
			 color: #ffffff;
			 font-weight: bold;
			 font-size: 10px;
			 line-height: 14px;
			 padding-top: 5px;
			 padding-left: 5px;
			 padding-right: 5px;
			 word-spacing: 1px;
			 letter-spacing: 1px;
			 }
.copylink a:link  {text-align: center;
					font-family: Arial, Helvetica, sans-serif;
					color: #ffffff;
					font-weight: bold;
					font-size: 10px;
					line-height: 14px;
					padding-top: 5px;
					word-spacing: 2px;
					letter-spacing: 1px;
					}
.copylink a:visited  {text-decoration: none;
					  font-family: Arial, Helvetica, sans-serif;
					color: #999999;
					font-weight: bold;
					font-size: 10px;
					line-height: 14px;
					padding-top: 5px;
					word-spacing: 2px;
					letter-spacing: 1px;
					}					
.copylink a:hover  {text-decoration: none;
					font-family: Arial, Helvetica, sans-serif;
					color: #ffcc00;
					font-weight: bold;
					font-size: 10px;
					line-height: 14px;
					padding-top: 5px;
					word-spacing: 2px;
					letter-spacing: 1px;
					}
.copylink a:active {text-align: center;
					font-family: Arial, Helvetica, sans-serif;
					color: #ffffff;
					font-weight: bold;
					font-size: 10px;
					line-height: 14px;
					padding-top: 5px;
					word-spacing: 2px;
					letter-spacing: 1px;
					}					
.privatelink a:link {text-align: center;
					font-family: Arial, Helvetica, sans-serif;
					color: #ffffff;
					font-weight: bold;
					font-size: 10px;
					line-height: 14px;
					padding-top: 5px;
					word-spacing: 2px;
					letter-spacing: 1px;
					
					}
.privatelink a:visited  {text-align: center;
					font-family: Arial, Helvetica, sans-serif;
					color: #999999;
					font-weight: bold;
					font-size: 10px;
					line-height: 14px;
					padding-top: 5px;
					word-spacing: 2px;
					letter-spacing: 1px;
					text-decoration: none;
					}					
.privatelink a:hover  {text-align: center;
					font-family: Arial, Helvetica, sans-serif;
					color: #990000;
					font-weight: bold;
					font-size: 10px;
					line-height: 14px;
					padding-top: 5px;
					word-spacing: 2px;
					letter-spacing: 1px;
					text-decoration: none;
					}
.privatelink a:active {text-align: center;
					font-family: Arial, Helvetica, sans-serif;
					color: #ffffff;
					font-weight: bold;
					font-size: 10px;
					line-height: 14px;
					padding-top: 5px;
					word-spacing: 2px;
					letter-spacing: 1px;
					}					
.box {
    text-align: left;
	color: #000;
	
	padding-top: 15px;
	padding-left: 15px;
	padding-right: 15px;
	padding-bottom: 20px;
	
	border-style: solid;
	border-color: #06377f;
	border-width: 1px;
	margin-left: 30px;
	margin-top: 10px;
	
	margin-bottom: 15px;
	margin-right: 20px;
	background-color: #FFFF99;
	}
.boxhed {
    text-align: left;
	font-family: "Trebuchet MS", "Bitstream Vera Sans", Arial, Helvetica, sans-serif;
	color: #000;
	font-weight: bold;
	font-size: 17px;
	line-height: 18px;
	padding-top: 15px;
	padding-left: 0px;
	padding-right: 15px;
	padding-bottom: 20px;
	word-spacing: 1px;
	letter-spacing: 0.5px;
	} 
<!--a:link{}
a:visited{}
a:hover{}
a:active{}
-->

<!-- contact form -->
#sec3 {width: 359px; height: 65px; background: url(/i/pro/panel-contact.gif) no-repeat;}
#sec3 label {position: absolute; left: -9999px;}
#sec3 input, #sec3 textarea {width: 81px; height: 16px; border: solid 1px #006BB6; color: #006BB6; font-size: 10px; position: absolute; left: 38px;}
* html #sec3 input {height: 13px;}
#sec3 #contact_name {top: 5px;}
#sec3 #contact_email {top: 24px;}
#sec3 #contact_submit {top: 43px; height: 18px; padding: 0;}
#sec3 textarea {top: 5px; left: 123px; width: 233px; height: 59px;}

<!-- drop-downs -->
.li1:hover #sec1, .li1:focus #sec1,
   .li2:hover #sec2, .li2:focus #sec2 
   .li3:hover #sec3, .li3:focus #sec3 {position: absolute; display: block; width: 360px; height: 23px; right: -240px; background: #B2D8F8 url(../images/email.jpg" width="147" height="118" hspace="0" border="0" align="right") 1px 0 no-repeat;}
.li2:hover #sec2, .li2:focus #sec2 {right: -120px; background: #B2D8F8 url(/i/pro/panel-nav-weblog.gif) 1px 0 no-repeat;}
.li3:hover #sec3 {position: absolute; display: block; top: 25px; left: -240px;}

#sec1, #sec2, #sec3 {display: none;}