body {
	background-image: url(../images/wood.jpg);
	background-color: #9BA2A8;
	margin-left: 0px;
	margin-top: 0px;
	margin-right: 0px;
	margin-bottom: 0px;
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	color: #000000;
	font-style: normal;
}
.heading1 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 20px;
	font-weight: normal;
}
.heading2 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 13px;
	font-weight: bold;
}
div {
	width: 100%;
	margin-top: 0px;
	margin-right: 0px;
	margin-bottom: 0px;
	margin-left: 0px;
}
.heading3 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 14px;
	font-weight: bold;
}
a {
	color: #000000;
}
.disclaimer {
	font-size: 11px;
}