BODY {font-family: verdana, arial, helvetica, sans-serif; background-color: #000000; 
         margin-top: 0px; margin-bottom: 0px;} 
  p.body {font-size: 10pt; color: #333333; margin-left: 7%; margin-right: 7%}
  p.client {font-size: 10pt; color: #333333; margin-right: 20%}
  p.disclaimer {font-size: 8pt; margin-left: 9%; margin-right: 9%;}
  p.letter {font-size: 10pt; color: #333333; margin-left: 10%; margin-right: 8%;}
  p.ref {font-size: 10pt; font-weight: bold; text-align: center;}
  p.address {font-size: 9pt; text-align: center; color: #000000; letter-spacing: 0.05em;  }
  p.cities {font-size: 7pt; color: #333333; background-color: #8091C2; margin-left: 5%; margin-right: 5%; padding: 5px;}            
  p.copyright {font-size: 9pt; color: #000000; font-weight: bold;
             text-align: center;}
  p.side {margin-left: 12%; line-height: 110%; font-size: 10pt; color: #F5F5DC;}
  p.side2 {margin-left: 2%; line-height: 110%; font-size: 9pt; color: #F5F5DC;}
  p.side3 {margin-left: 7%; line-height: 110%; font-size: 10pt; color: #F5F5DC;}
  p.menu {margin-left: 6%; line-height: 110%;}
  a:link {color: #333333; text-decoration: none;}        
  a:visited {color: #000000; text-decoration: none;} 
  a:hover {color: black; background-color: #CCCCCC; text-decoration: none;}   
  a:active {color: #999999; text-decoration: none;} 
  a:link.client {background-color: transparent;} 
  a:visited.client {background-color: transparent;} 
  a:hover.client {background-color: transparent;}   
  a:active.client {background-color: transparent;} 
 
  a:link.nuance {color: #FFFFFF;}
 
  a:link.menu {color: #ffffff; text-decoration: none; font-weight: bold; font-size: 11pt;}   
  a:visited.menu {color: #ffffcc; text-decoration: none; font-weight: bold; font-size: 11pt;} 
  a:hover.menu {color: #333333; background-color: #ffffff; text-decoration: none; 
                 font-weight: bold; font-size: 11pt;}
  a:active.menu {color: #ffffff; text-decoration: none; font-weight: bold; font-size: 11pt;}
  
  a:link.side {color: #ffffff; text-decoration: none; font-size: 10pt;}   
  a:visited.side {color: #FFFFCC; text-decoration: none; font-size: 10pt;}
  a:hover.side {color: #990000; background-color: #FFFFFF; text-decoration: none; 
                 font-size: 10pt;}
  a:active.side {color: #ffffff; text-decoration: none; font-size: 10pt;}
  
  a:link.side2 {color: #ffffff; text-decoration: none; font-size: 8pt;}   
  a:visited.side2 {color: #FFFFCC; text-decoration: none; font-size: 8pt;}
  a:hover.side2 {color: #990000; background-color: #FFFFFF; text-decoration: none; 
                 font-size: 8pt;}
  a:active.side2 {color: #ffffff; text-decoration: none; font-size: 8pt;}
  
  
  img.right {padding: 0px 25px 0px 10px; border: none;} 
  img.left {padding: 0px 20px 0px 45px; border: none;} 
  img.bldg {padding-left: 0px; padding-right: 10px;}
  img.logo {vertical-align: top;}
  img.link {border: none;}
  ul.reasons {margin-left: 8%; margin-right: 8%; font-size: 10pt; color: #333333;}
  ul.letters {margin-left: 14%; margin-right: 11%; font-size: 10pt; color: #333333; 
              list-style: disc;}
   
  td.bottom {background-color: #C2B280; padding-top: 6px; padding-bottom: 6px; font-size: 9pt; 
  text-align: center; color: #000000; letter-spacing: 0.05em;