body {
	background-image: url(../images/fio-bg.gif);
	margin-top: 0px;
	margin-left: 0px;
	font-family: Verdana, sans-serif; 
	font-size: 10px ;
	color: #162732;
}



.txt1-fioblue {  font-family: "Verdana", "sans-serif"; font-size: 10pt; font-weight: normal; color: #0067A6 }
.txt1-gray {  font-family: "Verdana", "sans-serif"; font-size: 10pt; font-weight: normal; color: #162732 }
.txt1-navy {  font-family: "Verdana", "sans-serif"; font-size: 10pt; font-weight: normal; color: #002F50 }
.txt1-green {  font-family: "Verdana", "sans-serif"; font-size: 10pt; font-weight: normal; color: #008B99 }
.txt1-orange {  font-family: "Verdana", "sans-serif"; font-size: 10pt; font-weight: normal; color: #E88E35 }
.txt1-red {  font-family: "Verdana", "sans-serif"; font-size: 10pt; font-weight: normal; color: #D04E5E }



.caption1-gray {  font-family: "verdana", "sans-serif"; font-size: 8.5pt; font-weight: normal; color: #162732 }



a.nav1-simple:link {
	color: #162732; text-decoration: underline; }
a.nav1-simple:visited {
	color: #162732; text-decoration: underline; }
a.nav1-simple:active {
	color: #0067A6; text-decoration: none; }
a.nav1-simple:hover {
	color: #0067A6; text-decoration: none; }



a.nav2-fioblue:link {
	color: #0067A6; text-decoration: underline;}
a.nav2-fioblue:visited {
	color: #0067A6; text-decoration: underline;}
a.nav2-fioblue:active {
	color: #0067A6; text-decoration: none;}
a.nav2-fioblue:hover {
	color: #0067A6; text-decoration: none;}



a.nav2-navy:link {
	color: #002F50; text-decoration: none;}
a.nav2-navy:visited {
	color: #002F50; text-decoration: none;}
a.nav2-navy:active {
	color: #002F50; text-decoration: underline;}
a.nav2-navy:hover {
	color: #002F50; text-decoration: underline;}



a.nav2-green:link {
	color: #008B99; text-decoration: none;}
a.nav2-green:visited {
	color: #008B99; text-decoration: none;}
a.nav2-green:active {
	color: #008B99; text-decoration: underline;}
a.nav2-green:hover {
	color: #008B99; text-decoration: underline;}



a.nav2-red:link {
	color: #D04E5E; text-decoration: none;}
a.nav2-red:visited {
	color: #D04E5E; text-decoration: none;}
a.nav2-red:active {
	color: #D04E5E; text-decoration: underline;}
a.nav2-red:hover {
	color: #D04E5E; text-decoration: underline;}



a.nav2-gray:link {
	color: #162732; text-decoration: none;}
a.nav2-gray:visited {
	color: #162732; text-decoration: none;}
a.nav2-gray:active {
	color: #162732; text-decoration: underline;}
a.nav2-gray:hover {
	color: #162732; text-decoration: underline;}



a.nav2-white:link {
	color: #FFFFFF; text-decoration: none;}
a.nav2-white:visited {
	color: #FFFFFF; text-decoration: none;}
a.nav2-white:active {
	color: #FFFFFF; text-decoration: underline;}
a.nav2-white:hover {
	color: #FFFFFF; text-decoration: underline;}



a.nav3-gray-bg:link {
	color: #162732; text-decoration: underline;}
a.nav3-gray-bg:visited {
	color: #162732; text-decoration: underline;}
a.nav3-gray-bg:active {
	color: #0067A6; text-decoration: none; background-color: #E4F1FB;}
a.nav3-gray-bg:hover {
	color: #0067A6; text-decoration: none; background-color: #E4F1FB;}



a.nav3-fioblue:link {
	color: #0067A6; text-decoration: none;}
a.nav3-fioblue:visited {
	color: #0067A6; text-decoration: none;}
a.nav3-fioblue:active {
	color: #002F50; text-decoration: none;}
a.nav3-fioblue:hover {
	color: #002F50; text-decoration: blink;}



.head1-gray {
	font-family: Times, New Roman, serif;
	font-variant: small-caps;
	font-size: 13pt;
	font-style: bold;
	color: #162732;
	letter-spacing: 1pt;
	word-spacing: 2px;
	padding-top: 35px;
	padding-bottom: 15px;
}



.head2-navy {
	font-family: Times, New Roman, serif;
	font-variant: small-caps;
	font-size: 13pt;
	font-style: bold;
	color: #002F50;
	letter-spacing: 1pt;
	word-spacing: 2px;
	padding-top: 35px;
	padding-bottom: 15px;
}