.footer { color: #333333; font-size: 75%; font-family: Tahoma, Verdana, Arial, Helvetica, sans-serif; margin-top: 20px; padding-left: 6px; padding-right: 6px} /* changed padding and margin */
.footer a:link  { color: #333333; font-weight: normal; hover: #163f9c }
.footer a:visited { color: #333333; font-weight: normal; hover: #163f9c }
.footer-sm { color: #333333; font-size: 70%; font-family: Tahoma, Verdana, Arial, Helvetica, sans-serif; margin-top: 0px; padding-bottom: 6px; padding-left: 6px; padding-right: 6px} /* changed padding and margin */
.footer-sm a:link  { color: #333333; font-weight: normal; hover: #163f9c }
.footer-sm a:visited { color: #333333; font-weight: normal; hover: #163f9c }
a:link { color: #163f9c; font-weight: bold; text-decoration: underline    }
a:visited { color: #336699; font-weight: bold; text-decoration: underline       }
.text { color: black; font-size: 100%; font-family: Times New Roman, Times, serif  } 
.tablehead { color: #8C2118; font-size: 90%; font-family: Tahoma, Verdana, Arial, Helvetica, sans-serif; font-weight: bold; margin-bottom: 0px } /* WAS margin-bottom: -10px */
h1 { color: #8C2118; font-size: 130%; font-family: Tahoma, Verdana, Arial, Helvetica, sans-serif; font-weight: bold; margin-bottom: 0px }
h2 { color: #4D7768; font-size: 110%; font-family: Tahoma; font-weight: bold; margin-bottom: 0px }
h3 { color: #4D7768; font-size: 100%; font-family: Tahoma, Verdana, Arial, Helvetica, sans-serif; font-weight: bold; margin-bottom: 0px }
.greysmall       { color: #333333; font-size: 75%; font-family: Tahoma, Verdana, Arial, Helvetica, sans-serif }
.smallsans      { font-size: 75%; font-family: Tahoma, Verdana, Arial, Helvetica, sans-serif }
UL    { list-style: disc; margin-bottom: 10px;} /* WAS url("../images/arrow.gif") margin-bottom: 20px */