body{background:#069;margin:0}

a{color:blue;font-weight:bold;font-size:11pt;text-decoration:none}
a:visited{color:blue}
a:hover{color:white;background:#339}

li{margin-left:-19px}
.lu{border-bottom:1px solid blue}
.l3{list-style-type:circle}

.smalltxt{font-size:10pt}

.spine{width:700px;height:100%;border:1 solid #006;background:}

.header{height:100px;background:#006 url(images/header.jpg)}

.topmenu1{background:#ccf url(images/bg/bg_01.jpg); height:25px}
.m2{width:300px;background:#ccf url(images/bg/bg_02.jpg)}
.m3{width:200px;background:#ccf url(images/bg/bg_03.jpg);text-align:right}

.leftmenu2{width:200px;
background:#ccf url(images/bg/bg_04.jpg);background-repeat:no-repeat;
border-top:1px solid #006}

.content{background:#fff url(images/bg/bg_05.jpg) no-repeat;padding:1em;
border-left:1px solid #006;border-top:1px solid #006}

.benefits td{background:#ccc; width:100%}
.premiums td{background:#ccc;}