.times12 { font-family: "Times New Roman", Times, serif; font-size: 12pt }
.largeheading {  font-family: "Times New Roman", Times, serif; font-size: 18pt; font-weight: bold}
.times12bold {  font-family: "Times New Roman", Times, serif; font-size: 12pt; font-weight: bold}
.times14bold {  font-family: "Times New Roman", Times, serif; font-size: 14pt; font-weight: bold}
.heading20bold {  font-family: "Times New Roman", Times, serif; font-size: 20pt; font-weight: bold}
.times10 {  font-family: "Times New Roman", Times, serif; font-size: 10pt}
.times18bold { font-family: "Times New Roman", Times, serif; font-size: 18pt; font-weight: bold }
.times14 { font-family: "Times New Roman", Times, serif; font-size: 14pt; font-weight: normal}
.times9 { font-family: "Times New Roman", Times, serif; font-size: 9px}
.arial8 { font-family: Arial, Helvetica, sans-serif; font-size: 8pt}
.arial10 { font-family: Arial, Helvetica, sans-serif; font-size: 10pt}
.arial12 {font-family: Arial, Helvetica, sans-serif; font-size: 12pt}
.arial14 {font-family: Arial, Helvetica, sans-serif; font-size: 14pt}
.arial20 {font-family: Arial, Helvetica, sans-serif; font-size: 20pt}
.pad12 {margin-left :15px; font-family: Arial, Helvetica, sans-serif; font-size: 12px}
.pad12sml {margin-left :5px; font-family: Arial, Helvetica, sans-serif; font-size: 12px}
.pad12r {margin-left:15px;margin-right:15px; font-family: Arial, Helvetica, sans-serif; font-size: 12px}
.pad14 {margin-left :15px; font-family: Arial, Helvetica, sans-serif; font-size: 14px}
.pad14r {margin-left :15px; margin-right :15px; font-family: Arial, Helvetica, sans-serif; font-size: 14px}
.padplus {margin-left :45px; font-family: Arial, Helvetica, sans-serif; font-size: 14px}
.backgrd {background-repeat:no-repeat; background-position:center}
.backbot {background-repeat:no-repeat; background-position:bottom}
a.link1:link { color: black; text-decoration: none }
a.link1:active { color:black; text-decoration: underline }
a.link1:visited { color:black; text-decoration: none }
a.link1:hover { color:black; text-decoration: underline }
a.link2:link { color: white; text-decoration: none }
a.link2:active { color:white; text-decoration: underline }
a.link2:visited { color:white; text-decoration: none }
a.link2:hover { color:white; text-decoration: underline }
a.link3:link { color:red; text-decoration: none }
a.link3:active { color:red; text-decoration: underline }
a.link3:visited { color:red; text-decoration: none }
a.link3:hover { color:red; text-decoration: underline }
.redtxt {color:red}
.grytxt {color:gray}