body{
  margin:0;
  padding:0;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 12px;
  color: #000033;
  text-align: left;
}

.heading1 {
	font-weight: bold;
	  font-size: 12px;
	padding-bottom:2px;
}
.pgheading {
	font-weight: bold;
	  font-size: 12px;
	padding-bottom:12px;
}
.navhead {
	font-weight: bold;
	  font-size: 12px;
	padding-bottom:16px;
}
.text1 {
	color: #000033;
	  font-size: 12px;
}
.heading3 {
	font-size: 14px;
}
.heading4 {
	font-size: 16px;
	font-weight: bold;
}

p {
margin:0  0 8px 0;
}
.ctc ul{
margin:0 ;
padding: 0 0 14px 24px ;
}
.ctc li{
padding: 0 0 12px 0;
list-style-image: url(images/bullet.gif);
}


ul{
margin:0 ;
padding: 0 0 14px 24px ;
}
li {
padding: 0 0 1px 0;
list-style-image: url(images/bullet.gif);
}


a {
  color: #000099;
   font-size: 12px;
  text-decoration: none;
  }

a:hover {
  color: #333333;
  }

a.nav {
  color: #000066;
  text-decoration: none;
  }

a.nav:hover {
  color: #444444;
  }