body
     {background-color:#FFFFFF;
      background-image:url("images/newbgwithlogoshadow2.jpg");
      background-repeat:no-repeat;
      font-family: times;
      font-size:20px
     }


h1 {font-family:times;
    font-size:300%;
    text-align:LEFT;
    color:#FFFFFF ;
    background-color:#FFFFFF
    }


p  {

   color:#000000 ;
   background-color: #FFFFFF;
   font-family: serif
   }


table    {color:#A0522D;
          font-family:times;
          font-size:100%;
          # this line makes borders appear in IE,border-style: solid;#
          border-color: #000030
         }
         
img
         {
          border:0px;
          

         }

.tips
          {color:#000000 ;
          background-image:url(images/tipsbg2.jpg);
          background-repeat:no-repeat;
          font-family:times;
          font-size:100%;

          border-color: #000030
         }
         
h4       
         {color:#000000

         }