html, body, div, h1, h2, h3, h4, h5, h6, ul, ol, dl, li, dt, dd, p, blockquote,  
pre, form, fieldset, table, th, td { margin: 0; padding: 0; }

.clear { clear: both; }
:focus { outline: none; }

a { color: #3a5895; text-decoration: none; }
a:hover { text-decoration: underline; }

body {
	background: #FFF;
	color: #000;
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	text-align: center;
	}
	#pagefail { background-color: #eaf2f5; }
		#pagefail #broken { position: relative; background: url(../images/404.png) no-repeat; height: 457px; width: 926px; margin: 25px auto; }
		#pagefail #broken a.homelink { display: block; text-indent: -9999px; height: 44px; width: 165px; }
			#pagefail #broken a.coord1 { position: absolute; bottom: 88px; right: 190px; }
			#pagefail #broken a.coord2 { position: absolute; bottom: 0px; left: 0px; }
	#header {
		margin: 0 auto;
		margin-top: 10px;
		width: 959px;
		}
		h1#logo { background: url(../images/logo.gif) no-repeat; float: left; height: 38px; width: 183px; text-indent: -9999px; }
			h1#logo a { display: block; height: 38px; text-indent: -9999px; width: 183px; }
		#headright { float: right; width: 280px }
			#newsletter { background: url(../images/envelope.gif) no-repeat; float: left; height: 38px; width: 173px; }
				#newsletter span { color: #898989; font-size: 1.2em; padding-left: 20px; }
				#newsletter p.emailsignup { padding-left: 20px; }
				#newsletter input.submit { position: relative; top: 4px; }
			#agents { background: url(../images/agents.gif) no-repeat 0 -5px ; float: right; height: 50px; /*width: 107px;*/}
				#agents a { display: block; margin-left: 5px; text-indent: -9999px; height: 40px; width: 75px; }
	#nav_container { background: url(../images/nav_tile.gif) repeat-x; }
		ul#nav { margin: 0 auto; width: 942px; height: 53px; }
			ul#nav li a { background: url(../images/nav_bg.gif) no-repeat; display: block; height: 53px; text-indent: -9999px; }
			ul#nav li { float: left; display: inline; }
				ul#nav li#home a { width: 66px; background-position: -11px 0px; }
					ul#nav li#home a:hover { background-position: -11px -53px; }
					ul#nav li#home a.current { background-position: -11px -53px; }
				ul#nav li#estate a { width: 239px; background-position: -77px 0px; }
					ul#nav li#estate a:hover { background-position: -77px -53px; }
					ul#nav li#estate a.current { background-position: -77px -53px; }
				ul#nav li#agent a { width: 165px; background-position: -950px 0px; }
					ul#nav li#agent a:hover { background-position: -950px -53px; }
					ul#nav li#agent a.current { background-position: -950px -53px; }
				ul#nav li#insurance a { width: 249px; background-position: -463px 0px; }
					ul#nav li#insurance a:hover { background-position: -463px -53px; }
					ul#nav li#insurance a.current { background-position: -463px -53px; }
				ul#nav li#events a { width: 148px; background-position: -712px 0px; }
					ul#nav li#events a:hover { background-position: -712px -53px; }
					ul#nav li#events a.current { background-position: -712px -53px; }
				ul#nav li#contact a { width: 74px; background-position: -860px 0px; }
					ul#nav li#contact a:hover { background-position: -860px -53px; }
					ul#nav li#contact a.current { background-position: -860px -53px; }
	#tools { margin: 0px; }
		#breadcrumbs { float: left; }
			#breadcrumbs p.bread { font-size: .8em; color: #3a5895; }
		#textsize { color: #3a5895; background: url(../images/textsize.gif) no-repeat right top; float: right; margin-right: 20px;}
			#textsize span, #textsize a { display: block;	float: left; }
			#textsize span {	margin-right: 4px; font-size: .8em; }
			#textsize a { text-indent: -9999px; margin-left: 4px; overflow: hidden; height: 13px; width: 13px; }
	body#home #content_container { background: url(../images/home_bg.png) repeat-x; height: 409px; }
	body#about #content_container { background: #eaf2f5 url(../images/grad_top.png) repeat-x top; }
	 #content_container { background: #eaf2f5 url(../images/grad_top.png) repeat-x top; }
		body#home #content { position: relative; margin: 0 auto; width: 1075px; }
		#content { background: url(../images/about_content_tile.png) repeat-y; padding: 0px; margin: 0 auto; width: 950px; }
			#videoaddon { float: left; height: 415px; width: 411px; }
			#thehowards { background: url(../images/about_thehowards.png) no-repeat; float: left; height: 415px; width: 411px; }
				#estate #thehowards  { background: url(../images/seniorcitz.png) no-repeat; height: 754px; }
				#adz #thehowards { background: url(../images/lance_power.png) no-repeat; height: 478px; }
				#benefits #thehowards { background: url(../images/employees.png) no-repeat; }
			#about_content { float: right; padding: 10px; text-align: left; width: 515px;}
				#events #about_content { padding-left: 0px; }
				#about_content h2 { padding-top: 15px; font-size: 20px; }
				#about_content p.about { padding-top: 12px; padding-right: 30px; line-height: 20px; }
				#about_content ul { margin: 0px 25px; line-height: 20px; }
				#about_content img.headshot { float: right; margin: 12px 30px 5px 12px }
				#events #about_content ul { list-style: none; line-height: normal; padding-top: 12px; }
				#benefits #about_content #otherlist { width: 250px; float: right; }
				#benefits #about_content #providers { background: url(../images/logos.jpg) no-repeat; margin-top: 12px; float: left; height: 345px; width: 250px; }
		   body#home #content { background: url(../images/home_intro.png) no-repeat 10px center; height: 392px;}
			#intro { padding: 200px 0 0 375px; width: 560px; }
				#intro h2 { font-size: 1.8em; line-height: 24px; text-align: left; }
				#intro p { padding-top: 5px; text-align: left; line-height: 18px; }
			#readmore a { position: absolute; bottom: 3px; right: 98px; display: block; text-indent: -9999px; height: 40px; width: 182px; } 
			#lancenews a { position: absolute; bottom: 2px; right: 290px; display: block; text-indent: -9999px; height: 40px; width: 182px; background: url(../images/lancenews.png) no-repeat; z-index:55;  } 
	  #footer_container { background: url(../images/footer_bg.png) repeat-x top; }
		body#home #footer_container { background: none; }
		#footer_container2 { margin: 0 auto; width: 950px; text-align: left;}
		#bluebg { background: #3a5895; height: 30px; width: 411px; }
	  #footer { margin: 0 auto; width: 950px; }
		#leftfoot { float: left; width: 800px; }
			#social { display: none; float: left; width: 500px; margin-left: 10px; }	
				#social img { position:relative; top: 2px; }
				#social a { text-decoration: none; color: #999; }
				#social ul li { background: url(../images/addto.gif) no-repeat 0px 3px; padding-left: 20px;  list-style: none; color: #999; font-size: 1.3em; font-weight: bold; float: left; margin-right: 40px; }
				#social ul li span { margin-bottom: 20px; }
			p#phone { background: url(../images/phone.png) no-repeat; float: right; padding-right: 25px; height: 22px; text-indent: -9999px; width: 163px; }
			ul#cheater { padding-top: 10px; }
				ul#cheater li { color: #3879bb; float: left; list-style: none; font-size: 10px; margin-right: 5px; }
					ul#cheater li a { color: #3879bb; text-decoration: none; }
					ul#cheater li a:hover { text-decoration: underline; }
			p#copyright { color: #636363; padding-top: 5px; text-align: left; font-size: 10px; }
				#copyright a { color: #636363; text-decoration: none; }
					#copyright a:hover { text-decoration: underline; }
		#rightfoot { float: right; width: 140px; }
			#buslogos { background: /*url(../images/footer_logos.png) no-repeat;*/ height: 39px; width: 116px; margin-top: -10px; }
				#buslogos a { display: block; height: 39px; width: 25px; float: left; margin-right: 5px; text-indent: -9999px; }
					#buslogos a#ethics  { width: 36px; margin-right: 7px; }
					#buslogos a#mdrt { width: 37px; }
			#buslogos span { color: #636363; display: block; font-size: 10px; text-align: center; padding-top: 44px; }
		#rightfoot, #leftfoot { margin-top: 0px; padding-bottom: 0px; }
			body#home #rightfoot, body#home #leftfoot { margin-top: 0px; }
		#contact p.contact, #agentcontact p.contact { padding-left: 3px; }
		#contact p.first_contact, #agentcontact p.first_contact { padding-left: 3px; font-size: 1.2em;}
		p.first_contact { float: left; width: 247px;}
		p.second_contact { float: right; width: 240px;font-size: 1.2em;}
		#contact li.error, #agentcontact li.error { color: red; line-height: normal; font-size: 10px;}


	
#menu-container-services {
	width:600px;
	background:#FFF url(../images/header_gradient.png) repeat-x;
	height:35px;
	border:1px solid #CCC;
	border-width: 1px 1px 1px 1px;
}
#menu-services, #menu-services ul {
	padding:0;
	margin:0;
	list-style-type: none;
}
#menu-services {
	margin:0;
	position:relative;
	z-index:25;
}
#menu-services li {
	float:left;
	position:relative;
}
#menu-services a, #menu-services a:visited {
	padding: 0 15px 0 15px;
	display:block;
	background:#FFF url(../images/header_gradient-services.png) repeat-x;
	font-family: Georgia, Times New Roman, Times, serif;
	font-size:14px;
	font-weight:bold;
	color:#454545;
	height:35px;
	line-height:34px;
	text-decoration:none;
	text-indent:5px;
	border-left:1px solid #CCC;
	border-right:1px solid #FFF;
}
#menu-services li:hover > a{
	background:#F5F5F5 url(../images/header_gradient-services.png) repeat-x;
	color:#373737;
}
#menu-services li ul {
	display: none;
}
#menu-services li:hover > ul {
	display:block;
	position:absolute;
	top:0;
	left:101px;
}
#menu-services > li:hover > ul {
	left:0;
	top:24px;
}
#container-services {
	width:569px;
	/*background:#FFF;*/
	/*border:1px solid #CCC;*/
	border-width: 1px 1px 5px 1px;
	padding:10px 15px 15px 15px;
	text-align:left;
}
		
#video-advisor {
	position:relative;
	top:85px;
	background: url(../images/vid-thumb-advisor.png) no-repeat;
	width:240px;
	height:160px;
	z-index:25;
	margin-left:90px;
}
#video-beneficiary {
	position:relative;
	top:85px;
	background: url(../images/vid-thumb-beneficiary.png) no-repeat;
	width:240px;
	height:160px;
	z-index:25;
	margin-left:90px;
}
#video-incomeplan {
	position:relative;
	top:105px;
	background: url(../images/vid-thumb-incomeplan.png) no-repeat;
	width:240px;
	height:160px;
	z-index:25;
	margin-left:90px;
}

#video-rothira {
	position:relative;
	top:85px;
	background: url(../images/vid-thumb-rothira.png) no-repeat;
	width:240px;
	height:160px;
	z-index:25;
	margin-left:90px;
}
#video-taxreviews {
	position:relative;
	top:105px;
	background: url(../images/vid-thumb-taxreviews.png) no-repeat;
	width:240px;
	height:160px;
	z-index:25;
	margin-left:90px;
}

#video-etfs {
	position:relative;
	top:85px;
	background: url(../images/vid-thumb-etfs.png) no-repeat;
	width:240px;
	height:160px;
	z-index:25;
	margin-left:90px;
}
#video-schmidt {
	position:relative;
	top:105px;
	background: url(../images/vid-thumb-schmidt.png) no-repeat;
	width:240px;
	height:160px;
	z-index:25;
	margin-left:90px;
}
#video-ncb1 {
	position:relative;
	top:40px;
	background: url(../images/video-NBC1.png) no-repeat;
	width:240px;
	height:160px;
	z-index:25;
	margin-left:90px;
}
#video-ncb2 {
	position:relative;
	top:70px;
	background: url(../images/video-NBC2.png) no-repeat;
	width:240px;
	height:160px;
	z-index:25;
	margin-left:90px;
}