body {
	font-family: Verdana, Geneva, Arial, Helvetica, sans-serif; color:#FFFFFF; font-weight: bold;
	font-size: 12px;
	background-image:url("lay2.jpg");
	background-position:left top;
	background-attachment:fixed;
	background-repeat:no-repeat;}
p {	margin:0px 20px 0px 20px;}

td {font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-size: 12px;}

th {font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-size: 12px;}

h1 {font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-weight:bold;
	font-size: 12px;
	margin:0px 20px 0px 20px;}

ul {list-style-type:square;}

li {font-family: Verdana, Geneva, Arial, Helvetica, sans-serif;
	font-size: 11px;
	margin:0px 20px 0px 30px;}
	
li.2{margin:0px 20px 0px 0px;}

hr {margin:0px 20px 0px 20px;
	border-width:1px;}



a:link {color:#FFFFFF;text-decoration: none}
a:visited {color:#CCCCCC;text-decoration: none}
a:hover {color: #FFFFFF;text-decoration: underline}

p.factor {
text-align:center;
margin-left: 0px;
font-family: verdana; 
font-size: 8pt;}