body{background-color:#ffffff; background-image:url(images/paper.jpg);color:#000000; padding:0px; margin:0px; font:13px Verdana, Arial, Helvetica, sans-serif;}
div, ul, li, h1, h2, h3, h4, h5, p, img{margin:0px; padding:0px;}

h5{
font-size: 13px;
}

p {
margin-bottom: 15px;
line-height: 165%;
}

p.closing{
font-weight: bold;
font-size: 13px;
margin: 0px 0%;
font-style: italic;
text-align: center;
}

.paragraph{
line-height: 165%;
margin-bottom: 15px;
}

img.left {
float: left;
clear: left;
margin: 5px 10px 0px 0;
background-color:#dcdcdc;
}

.right {
float: right;
clear: right;
margin: 15px 20px 10px 15px;
padding:6px;
border:#ffffff 3px solid;
font: 11px;
background-color:#cccccc;
}


a:hover{
text-decoration: none;
}

a.footer{
color: #ffffff;
}

a.footer:hover{
text-decoration: none;
}



.spacer{
height: 10px;
}

ul{
list-style-type: disc;
padding: 0 0 20px 0px;
margin: 10px 0 0px 20px;
font-weight: normal;
line-height: 250%;
}

/*----TOP PANEL----*/
#header_container{height:280px; width: 700px; position:relative; margin:0 auto; padding:0px; background-image:url(images/header.gif); background-repeat:repeat-x; background-position:top; border: black 2px solid; border-bottom: black 0px solid;}

#header img{height:80px; width:450px; position:absolute; top:0; left:120px; padding:0px;}

#header{width:745px; height:80px; position:relative; margin:0 auto; padding:0px 0px 0px 0px;}

#header h1{padding:0px 0px 0px 0px; background:url(images/albany.jpg) 0 0 no-repeat #fff; width:700px; height:200px; margin-top:0px; font-family:Verdana, Helvetica, sans-serif; font-size:13px; font-weight:bold; color: #000000; position:absolute; top:98px; left:0px;}

/*----BODY Top----*/
#bodytop{width:640px; height:45px; position:relative; margin:0 auto; no-repeat; border: black solid 0px 0px 2px 0px; padding-right: 30px; padding-left: 30px; padding-top: 5px; background-color:#ffffff;}

/*----BODY Main----*/
#bodymain{width:670px; position:relative; margin:0 auto; padding:20px; clear:both;}
#bodymain h2{width:400px; margin: 10px 0px 8px 0px; padding: 0px; display:block; color:#000000; font:18px Verdana, Helvetica, sans-serif; font-weight:normal;}

/*----Footer ----*/
#footer{height:30px; width: 700px; position:relative; margin:0 auto; padding:0px; background-image:url(images/gray1.jpg); background-repeat:repeat-x; background-position:top; border: black 2px solid; text-align: center; font-size: 10px;}

/*----SubFooter ----*/
#subfooter{height:30px; width: 704px; position:relative; margin:0 auto; padding:0px; text-align: center; font-size: 10px;}