body{margin:0}
img{border:0}
ul{margin:0; padding-left:20px;}



.text{font-family:Arial, Helvetica, sans-serif; font-size:12px; line-height:23px; color:#666;}
.text p{margin:0; padding:0; text-indent:2em; padding-bottom:10px}
.red{color:#FF0000}
.d_bg{background:url(../images/d_bg.jpg) repeat-x top #E0F2FC; padding:20px 20px 50px}
.blue{color:#299CD5}
.blue p{margin:0; padding:0; text-indent:2em;}
.blue2{color:#00397F}

.text a{color:#666; text-decoration:none}
.text a:hover{color:#666; text-decoration:underline}