{margin:0; padding:0;} /* REMOVES all padding & margin from EVERYTHING */
 
 .ann {
          font-family: Helvetica, sans-serif;
          font-size: 25px;
          color: #000000;          
          letter-spacing: .15px;
          line-height:85%;
        }
        


.box {
          font-family: Helvetica, sans-serif;
          font-size: 19px;
          color: #000000;
          letter-spacing: .1px;
        }

p  {
          font-family: Helvetica, sans-serif;
          font-size: 13.3px;
          color: #000000;
          line-height: 112%;         
    }
    
.sm  {
          font-family: Helvetica, sans-serif;
          font-size: 12px;
          color: #000000;
          line-height: 112%;      
    }
    
.med  {
          font-family: Helvetica, sans-serif;
          font-size: 14px;
          color: #000000;
	 }    

.bg  {
          font-family: Helvetica, sans-serif;
          font-size: 16.5px;
          color: #000000;
	 }

.quote  {
          font-family: Palatino, Times, Times New Roman, serif;
          font-size: 14.5px;
          color: #000000;
          font-weight: 500;
          line-height: 130%;
          
    }
    
  
    
a:link              { color:18398C; text-decoration:none;
						outline: none; }
a:visited           { color:18398C; text-decoration:none;
						outline: none; }
a:hover             { color:383838; text-decoration:none;
						outline: none; }
a:active            { color:18398C; text-decoration:none;
						outline: none; }


.menubar  {
		clear: right; 
		width: 100%; 
		background-color: #A7A6A6; 
		margin: 0px 0px 0px 0px; 
		padding: 3px 0px 3px 0px; 
		text-align:right; 
		overflow: hidden;	 
	}
	     

.menu  {
          font-family: Helvetica, sans-serif;
          font-size: 13.3px;
          color: #132D6D;
          position:relative;
		  right: 10px;
		  font-weight:600;
	
		  
	 }
	 
	 

a.menu	            { color:#132D6D; 
						text-decoration:none; 
						font-size: 13.3px;
						font-weight: 500; 
					}
a.menu:link         { color:#132D6D; 
						text-decoration:none; 
						font-size: 13.3px;
						font-weight: 500; 
					}
a.menu:visited      { color:#132D6D; 
						text-decoration:none; 
						font-size: 13.3px;
						font-weight: 500;	
					}
a.menu:hover        { color:#3D3D3D; 
						text-decoration:none;
						font-size: 13.3px; 
						font-weight: 500; 
					}
a.menu:active       { color:#000000; 
						text-decoration:none; 
						font-size: 13.3px;
						font-weight: 500;
					}