body { 
	height:100%;
	background-image:url(../images/bgPattern.png);
	background-repeat: repeat;
	}

.bestRate { font-weight:bold; }
.SIFR_name_header_L { 
	text-align:right; 
	font-size:12pt; 
	font-weight:bold;
	color:rgb(254, 151, 3);
	}
.SIFR_name_header_R {
	text-align:left; 
	font-size:12pt; 
	font-weight:bold;
	color:rgb(254, 151, 3);
	}
a, a:link { 
	text-decoration:none; 
	color:rgb(129, 130, 112);	
	font-weight:bold;
	}
a:visited, a:active { }
a:hover { 
	color:rgb(97, 20, 39); 
	color:rgb(146, 177, 45); 
	color:rgb(254, 151, 3);
	}

.highlight { 
	color:rgb(97, 20, 39); 
	color:rgb(146, 177, 45);
	}


.line { 
	line-height:10px;
	display:block;
	height:3px !important;
	font-size:0px;
	overflow:hidden !important;
	margin:0px;
	padding:0px;
	background-repeat:no-repeat;
	background-position: center center;
	clear:both;
	background-color:rgb(254, 151, 3);
	background-color:rgb(54, 46, 44);
	}
div.content {
	xposition:relative;
	margin-bottom:10px;
	}

div.faqq {
	text-transform:uppercase;
	color:rgb(188, 64, 36);
	line-height:1em;
	margin-bottom:0.5em;
	font-size:12pt;
	font-weight:bold;
	}

.content ul, .content ul li, .content li, .content p {
	line-height:1.5em;
	}


.content ul, .content ul li, .content li { 
	list-style:none;
	}

.content ul { margin-bottom:1em; }

ul.bullet, ul.bullet li  {
	list-style: disc inside;
	
	}
div.content a, div.content a:visited {

	text-decoration:none;
	font-weight:bold;
	}
div.content a:hover {
	color:rgb(97, 20, 39); 
	color:rgb(146, 177, 45);
	}

.clear { 
	clear:both; 
	font-size:0px; 
	height:0px;
	overflow:hidden;
	display:block;
	}
hr { 
	border: none;
	height:1px;
	background-color: rgb(0, 0, 0); 
	color: rgb(0, 0, 0); 
	}

hr.faqseparator { margin:6pt 0px; }




a.tools { 
	height:20px;
	background-position:bottom;
	}
	
#wrapper, #headerWrapper, #footer {
	width:820px;
	margin:0px auto 0px auto;
	text-align:left;
	}
#headerWrapper { 
	background-repeat: no-repeat;
	}
#headerTop { 
	height:30px;
	background-image:url(../images/headerTop.png);
	}
#wrapper { 
	min-height:400px;
	background-repeat: repeat-y;
	background-image:url(../images/wrapperBackground.png);
	background-position: center top;	
	}
#headerInnerWrap {
	background-repeat: repeat-y;
	background-image:url(../images/wrapperBackground.png);
	background-position: center top;	
	height:235px;
	overflow:hidden;
	}
#wrapper_padding {
	background-image:url(../images/FamilyNewHouseC0411.png);
	background-repeat:no-repeat;
	background-position:bottom right;
	position:relative;
	margin:0px 30px;
	}

#header {
	position:relative;
	height:275px;
	background-repeat: no-repeat;
	background-image:url(../images/head.png);
	background-position: center top;
	xbackground-color:#00FF00;
	
	}
p.SIFR_name { 
	
	margin-bottom:0px; 
	height:22px;
	overflow:hidden;
	}

#leftColumn {	
	float:left;
	width:145px;
	min-height:200px;
	background-repeat: no-repeat;
	margin-top:0px;
	color:rgb(255, 255, 255);
	xbackground-color:#AA4400;
	position:relative;
	}
#leftColumn_padding {
	}
.spacerColumn { 
	float:left;
	width:10px;
	height:500px;
	
	}
#rightColumn {
	float:right;
	width:460px;
	width:605px;
	xbackground-color:#009900;
	min-height:200px;
	position:relative;
	
	}
div#rightColumn_padding { 
	top:0px; left:0px;
	position:relative;
	padding:30px 32px 0px 32px;
	xborder:1px solid #FF0000;
	}

#bottomLogos { 
	
	width:350px;
	height:75px;
	margin:0px auto;
	background-position: left center;
	background-repeat: no-repeat;
	
	text-align:center; 
	xbackground-color:#00FF00;
	padding:0px;
	width:100%;
	}

#footer { 	
	font-size:9px;
	text-align:center;
	padding-top:5px;
	height:25px;
	background-repeat: no-repeat;
	background-image:url(../images/footerBackground2.png);
	background-position: center bottom;
	}

#footer a.footLink { 
	position:relative;

	margin:0px;
	padding:0px;
	line-height:1em;
	color:rgb(0, 0, 0);	
	}
#footer a.footLink:hover { 
	color:rgb(97, 20, 39); 
	color:rgb(146, 177, 45);
	}

/*/////////////////////////////////////
///BOF Left Column Stuff///*/



#leftColumn a { 
	color:rgb(120, 120, 120);
	cursor:pointer;
	}
#leftColumn a:hover { 
	color:rgb(32, 38, 38);
	xcolor:rgb(200, 200, 200);
	}	





#leftLinkList {
	xpadding:5px 0px;
	width:145px;
	height: 190px;
	margin-bottom:10px;
	text-align:center;
	xborder:1px solid #FF0000;
	background-image:url(../images/leftLinkListBG.png?id=1);
	overflow:hidden;
	position:relative;
	xborder:1px solid #FF0000;
	}

#leftLinkList ul li {
	list-style:none;
	font-size:11px;
	margin-bottom:3pt;
	padding-bottom:3pt;
	border-bottom:1px dotted #AAAAAA;
	}
#leftLinkList ul li.last { 
	border:none;
	}

a.leftLinkListLink { 
	position:relative;
	}


/*/////////////////////////////////////
///BOF First Time Home Buyers Tips///*/
			
			ol.lowerAlpha li, ul.faqBullet ol.lowerAlpha li{
				list-style: lower-alpha;
				margin-bottom:10pt;
				}
			ol.lowerAlpha li ul {
				margin-top:10pt;
				}
			ol.lowerAlpha li ul li {
				line-height:1.3em;
				list-style: disc outside;
				margin-left:20pt;
				margin-bottom:3pt;
				}
/*///EOF First Time Home Buyers Tips/////
///////////////////////////////////////*/	




img {	
	margin:0px;
	padding:0px;
	border:none;	
	}

#leftColumn2 {
	float:left;
	width:610px;
	overflow:hidden;
	}

#bottomPic {
	position:absolute;
	xborder:1px solid #FF0000;
	width:200px;
	height:200px;
	bottom:0px;
	right:30px;
	z-index:0;
	}

div#contact {

	}
h1#bestRate { 

	}






div#contact h1 {
	margin:0em 0em 0.5em 0em;
	}
div#contact h3 {
	margin:1em 0em 0.5em 0em;
	}
div#contact span.contactLabel {
	display:block;
	width:6em;
	float:left;
	}
div#contact span.contactInfo {
	display:block;
	clear:right;
	}
div#calculatorDefinitions {
	text-align:justify;
	}
div#calculatorDefinitions ul li {
	font-size:11px;
	}
div#calculatorDisclaimer {
	margin-top:10px;
	font-size:9px;
	text-align:justify;
	}
	
div#application ul {
	list-style:disc outside;
	margin:6pt 0pt;
	text-align:justify;
	}
div#application ul li {
	list-style:disc outside;
	margin:4pt 12pt;
	}
div#application ul li.listHeader {
	list-style:none;
	margin:4pt 0pt;
	}
div#application ul ol {
	list-style-position:outside;
	margin:4pt 12pt;
	text-indent:-12pt;
	}
div#application table.full {
	width:460px;
	}		


/*//////////////////////////////////////	
///////////////FAQ Page///////////////*/
	
ul.faqBullet li {
	list-style:disc outside;
	margin-left:20pt;
	}

ul#faqQuestions, ul#faqQuestions li {
	list-style-type:none;
	list-style-position:inside;
	margin-left:0px;
	}

.tiny { 
	font-size:9px; 
	}

span.td {
	margin:0px;
	overflow:hidden;
	line-height:12pt;
	display:block;
	xwidth:200px;
	border:1px solid #AAAAAA;
	height:12pt;
	float:left;
	padding:1pt;
	}
div#loading { position:absolute; }
div#applet { visibility:hidden; border-top:2px solid rgb(188, 64, 36); width:540px; border-bottom:2px solid rgb(188, 64, 36);  }
a.h_3 { 
	color:rgb(188, 64, 36);

	}
	
a#qCopy { 
	color:#FFFFFF;
	}
#navigationWrapper { 
	width: 100%;	

	padding:0px;

	}
#navigation { 
	width:760px;	
	margin:0px auto 0px auto; 
	font-size:9px;
	}
#navigation a { 
	display:block;
	color:#FFFFFF;
	font-weight:bold;
	text-decoration:none;
	}
#navigation a:hover { 
	color:rgb(255,255,255);
	
	}
#navigation a.hover {  
	color:rgb(255,255,255); 
	}

#navigation ul.mainLinkUL li.top a.mainLink { 
	padding:3px 0px 5px 0px;
	display:block;
	xmin-height:27px;
	height:27px;
	}

#menu{background-color:#00FF00;}

#menu ul, #menu ul li { list-style:none; margin:0px; padding:0px; }

#menu ul.mainLinkUL { 
	float:left; 
	width:85px;
	position:relative;
	z-index:100;
	}
#menu ul.last { 

	width:80px !important;
	}

#menu ul.mainLinkUL li.top {	
	width:78px; 
	line-height:1em;
	display:block;
	height:28px;
	color:#FFFFFF;	 
	margin:0px;
	background-color:rgb(129, 130, 112);
	float:left;
	text-align:center;
	overflow:hidden;
	-moz-border-radius: 3px;
	-webkit-border-radius: 3px;
	border:1px solid #333333;
	}
#menu ul.mainLinkUL li.top:hover {
	background-color:rgb(188, 64, 36);
	}
#menu li.item {
	background-color:rgb(129, 130, 112);
	display:none;
	top:30px;
	left:0px;
	border-top:2px solid #FFFFFF;
	position:absolute;
	z-index:1000;
	}
#menu ul.subnavUL {
	
	text-align:left;
	xwidth:150px;
	border-left:1px solid #333333;
	border-right:1px solid #333333;
	border-bottom:1px solid #333333;
	}
#menu ul.subnavUL li {

	text-align:left;
	border-top:1px solid #333333;
	}
#menu ul.subnavUL li a { 
	
	display:block;
	margin:0px; padding:2px 5px;
	line-height:1.5em;
	xheight:1.5em;
	white-space:nowrap;
	float:none;
	}
#menu ul.subnavUL li a:hover { 
	background-color:rgb(188, 64, 36);	
	}
#menu ul.subnavUL li.subNavClearLI {
	clear:both;margin:0px;padding:0px;display:block;height:0px;font-size:0px;overflow:hidden;
	}
#menu ul:hover .item, #menu ul li:hover .item {display:block;}
#menu ul:hover .item a{color:#fff;text-decoration:none;}
#menu ul:hover .item a:hover{color:#fff;}