body, div, h1, h2, h3, h4, p, ul, ol, li, dl, dt, dd, img, form, fieldset, blockquote {
    margin: 0px;
    padding: 0px;
    border: 0px;
}
body {
    background: #FFF;
    text-align: center;
}
p, div, li,  h1, h2, h3, h4, td, input, select, textarea {
    font-family: Arial;
    font-size: 13px;
    color: #000;
    line-height: 18px;
}
p, h1, h2, h3, h4, #content ul, #content ol, #content table {
	margin-bottom: 15px;
}
a img, :link img, :visited img {
    border: none
}
a:link, a:visited {
    color: #907155;
    text-decoration: underline;
}
a:hover, a:active {
    color: #895446;
    text-decoration: underline;
}
div.clear {
    clear: both;
    overflow: hidden;
    height: 1px;
}
input { vertical-align: middle; }

/* ----------------------------------- */
/* WRAPPER
/* ----------------------------------- */
#wrapper {
	width: 850px;
	margin: 0 auto;
	text-align: left;
}

/* ----------------------------------- */
/* TOP
/* ----------------------------------- */
#top {
	background: transparent url(../_images/top.gif) 0 0 no-repeat;
	height: 103px;
	margin: 0 0 25px 0;
}

#logo {
	float: left;
	margin: 47px 0 0 0;
	display: inline;
}

/*  MENU */
#menu {
	background: url(../_images/menu.gif) top right no-repeat;
	width: 459px;		/* Width of entire image */ 
	height: 25px;		/* Height of buttons */
	margin: 50px 0 0 0;
	float: right;
}
#menu span {
	display: none;
}
#menu li, #menu a {
	height: 25px;		/* Each button must have the same height, define it here */ 
	display: block;
}
#menu li {
	float: left;
	list-style: none;
	_display: inline;		/* fixes IE/Win double margin float bug (safe) */
}

/* margin-left - you will need to adjust this value to "center" your nav, if needed */ 
/* width - width of each button, they will each most likely be unique */ 
#menu-apply 		{ width: 0; }
#menu-loans 		{ width: 109px; }
#menu-purpose 		{ width: 105px; }
#menu-calculators 	{ width: 90px; }
#menu-faq			{ width: 40px; }
#menu-about			{ width: 57px; }
#menu-contact 		{ width: 58px; }

/* Changed values should match sum of "width" numbers specified above */ 
#menu-apply a:hover			{ background: transparent url(../_images/menu.gif) 0px -25px no-repeat; }
#menu-loans a:hover			{ background: transparent url(../_images/menu.gif) -91px -25px no-repeat; }
#menu-purpose a:hover		{ background: transparent url(../_images/menu.gif) -200px -25px no-repeat; }
#menu-calculators a:hover	{ background: transparent url(../_images/menu.gif) -305px -25px no-repeat; }
#menu-faq a:hover			{ background: transparent url(../_images/menu.gif) -395px -25px no-repeat; }
#menu-about a:hover			{ background: transparent url(../_images/menu.gif) -435px -25px no-repeat; }
#menu-contact a:hover		{ background: transparent url(../_images/menu.gif) -492px -25px no-repeat; }

/* ----------------------------------- */
/* HOME
/* ----------------------------------- */
#banner {
	height: 300px;
	overflow: hidden;
	background: #433a35 url(../_images/banner.jpg) right top no-repeat;
}
	#banner dl {
		padding: 20px;
		width: 235px;
	}
		#banner dt {
			font-family: Georgia;
			color: #FFF;
			font-size: 18px;
			margin: 0 0 6px 0;
		}
		#banner dd {
			color: #FFF;
			padding: 0 0 15px 0;
			margin: 0 0 15px 0;
			border-bottom: 1px solid #7a706a;
			font-size: 12px;
			line-height: 16px;
		}
			#banner dd#item3 {
				padding: 0;
				margin: 0;
				border: 0;
			}
		#banner a:link, #banner a:visited {
			color: #f3ce9f;
		}
		#banner a:hover, #banner a:active {
			color: #FFF;
		}

#banner-apply {
	padding: 25px 0;
	border-bottom: 1px solid #beb99b;
	font-size: 26px;
	line-height: 26px;
	text-align: left;
	color: #433a35;
	font-family: Georgia;
	margin: 0 0 30px 0;
}
	#banner-apply a:link, #banner-apply a:visited {
		color: #895446;
		text-decoration: none;
		margin: 0 0 0 15px;
	}
	#banner-apply a:hover, #banner-apply a:active {
		color: #9b7f64;
	}

#intro-about {
	width: 290px;
	float: left;
}

#intro-loans {
	width: 230px;
	float: left;
	margin: 0 0 0 50px;
	display: inline;
}
	#intro-loans li {
		font-size: 15px;
		margin: 0 0 5px 0;
		list-style: none;
		padding: 0 0 0 13px;
		background: transparent url(../_images/bullet.gif) 0 5px no-repeat;
	}

#intro-testimonial {
	width: 240px;
	float: right;
}
	#intro-testimonial blockquote {
		font-size: 15px;
		line-height: 20px;
		color: #6a5f57;
	}
	#intro-testimonial p {
		font-size: 11px;
		color: #7a706a;
	}

.intro h1 {
	font-weight: normal;
	color: #433a35;
	font-size: 20px;
	line-height: 20px;
	font-family: Georgia;
	text-transform: lowercase;
}
	.intro h1 em {
		color: #907155;
	}

.intro p {
	font-size: 12px;
	color: #6a5f57;
}

/* ----------------------------------- */
/* SUB PAGES
/* ----------------------------------- */
#apply #main { background: transparent url(../_images/header-apply.jpg) 0 0 no-repeat; }
#loans #main { background: transparent url(../_images/header-loans.jpg) 0 0 no-repeat; }
#purpose #main { background: transparent url(../_images/header-purpose.jpg) 0 0 no-repeat; }
#calculators #main { background: transparent url(../_images/header-calculators.jpg) 0 0 no-repeat; }
#faq #main { background: transparent url(../_images/header-faq.jpg) 0 0 no-repeat; }
#about #main { background: transparent url(../_images/header-about.jpg) 0 0 no-repeat; }
#contact #main { background: transparent url(../_images/header-contact.jpg) 0 0 no-repeat; }

#content {
	width: 590px;
	float: left;
}
	#content h1 {
		padding: 25px 0 0 29px;
		font-weight: normal;
		color: #FFF;
		font-size: 32px;
		line-height: 32px;
		font-family: Georgia;
		margin: 0 0 50px 0;
	}
	#content h2, #content p.section-title {
		font-size: 16px;
		font-family: Georgia;
		color: #433a35;
	}
	#content h3 {
		margin: 0 0 5px 0;
	}
	#content li {
		list-style: none;
		background: transparent url(../_images/bullet.gif) 0 6px no-repeat;
		padding: 0 0 0 14px;
		margin: 0 0 6px 10px;
	}
	
	/* Loan Purpose */
	#purpose-list li {
		width: 205px;
		height: 50px;
		padding: 15px 0 0 85px;
		margin: 0;
		font-size: 16px;
		font-weight: bold;
		list-style: none;
		float: left;
	}
		#content li#purpose-rate { background: transparent url(../_images/purpose-rate.jpg) 0 0 no-repeat; }
		#content li#purpose-payments { background: transparent url(../_images/purpose-payments.jpg) 0 0 no-repeat; }
		#content li#purpose-cash { background: transparent url(../_images/purpose-cash.jpg) 0 0 no-repeat; }
		#content li#purpose-consolidate { background: transparent url(../_images/purpose-consolidate.jpg) 0 0 no-repeat; }
		#content li#purpose-remodel { background: transparent url(../_images/purpose-remodel.jpg) 0 0 no-repeat; }
		#content li#purpose-buy { background: transparent url(../_images/purpose-buy.jpg) 0 0 no-repeat; }
	
	/* Application */
	/* begin css tabs */

	ul#tabnav { /* general settings */
	text-align: left; /* set to left, right or center */
	margin: 1em 0 1em 0; /* set margins as desired */
	border-bottom: 1px solid #936d25; /* set border COLOR as desired */
	list-style-type: none;
	padding: 6px 15px 6px 15px; /* THIRD number must change with respect to padding-top (X) below */
	}

	ul#tabnav li { /* do not change */
	display: inline;
	margin: 0;
	font-size: 14px;
	padding: 0;
	background-image: none;
	}

	ul#tabnav li.selected { /* settings for selected tab */
	border-bottom: 1px solid #fff; /* set border color to page background color */
	background-color: #fff; /* set background color to match above border color */
	}

	ul#tabnav li.selected span { /* settings for selected tab link */
	background-color: #fff; /* set selected tab background color as desired */
	color: #000; /* set selected tab link color as desired */
	position: relative;
	top: 1px;
	padding-top: 8px; /* must change with respect to padding (X) above and below */
	}

	ul#tabnav li span { /* settings for all tab links */
	padding: 6px 8px; /* set padding (tab size) as desired; FIRST number must change with respect to padding-top (X) above */
	border: 1px solid #936d25; /* set border COLOR as desired; usually matches border color specified in #tabnav */
	background-color: #f1e8d7; /* set unselected tab background color as desired */
	color: #936d25; /* set unselected tab link color as desired */
	margin-right: 0px; /* set additional spacing between tabs as desired */
	text-decoration: none;
	border-bottom: none;
	}

	ul#tabnav a:hover { /* settings for hover effect */
	background: #fff; /* set desired hover color */
	}

	#error {
		border: 2px solid #FF0000;
		background: #facdcd;
		padding: 10px;
		margin-bottom: 20px;
	}
		#error ul {
			margin: 10px 0 0 25px;
		}
		#error p, #error li {
			margin: 0;
			color: #FF0000 !important;
			font-size: 12px !important;
		}
		#error li {
			list-style: square;
			background-image: none;
			padding: 0;
		}
		#error p {
			font-weight: bold;
		}

	fieldset {
		border: none;	
	}
	#content.apply p.section-title {
		font-size: 14px;
		font-weight: bold;
		color: #000;
	}

	div.highlight {
		padding: 15px;
		background: #efe9dc;
		margin-bottom: 15px;
	}
		div.highlight p {
			margin: 0;
		}

	#content.apply h3 {
		font-size: 13px;
		font-weight: normal;
	}
	#content.apply p {
		font-size: 11px;
		color: #666;
	}

	#content.apply p label {
		margin-right: 15px;
		color: #000;
	}

	#content p#submit {
		text-align: center;
		font-size: 13px;
	}
		p#submit input, a.apply {
			vertical-align: middle;
			color: #FFF;
			font-weight: bold;
			padding: 4px 6px;
			background: #433a35;
			border: 0;
			text-decoration: none;
		}

#side {
	width: 213px;
	float: right;
	margin: 180px 14px 0 0;
	display: inline;
}
	#side h2 {
		font-size: 11px;
		text-transform: uppercase;
		color: #433a35;
		margin: 0 0 7px 0;
		font-weight: normal;
	}
	#side ul {
		margin: 0 0 40px 0;
	}
		#side li {
			padding: 0 0 4px 0;
			margin: 0 0 4px 0;
			border-bottom: 1px solid #dedaca;
			list-style: none;
		}
		#side li a:link, #side li a:visited {
			color: #907155;
			text-decoration: none;
		}
		#side li a:hover, #side li a:active {
			color: #433a35;
		}

/* ----------------------------------- */
/* FOOTER
/* ----------------------------------- */	
#footer {
	border-top: 1px solid #beb99b;
	padding: 5px 0 40px 0;
	margin: 20px 0 0 0;
}
	#footer img {
		float: right;
		margin: 0 0 0 7px;
		display: inline;
	}
	#footer p {
		font-size: 11px;
		margin: 0 0 5px 0;
		color: #895446;
	}
	#copyright, #disclaimer {
		color: #a9877e;
		line-height: 14px;
	}