.textnopad 
{
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	text-align: justify;
}
.textpadded 
{
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	padding: 10px;
	text-align: justify;
}
.textsidepadded 
{
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	padding-left: 10px;
	padding-right: 10px;
	text-align: justify;
}
.textpaddednotbottom
{
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	padding-right: 10px;
	padding-left: 10px;
	padding-top: 10px;
	text-align: justify;
}
.textpaddednottop
{
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	padding-right: 10px;
	padding-left: 10px;
	padding-bottom: 10px;
	text-align: justify;
}
.listtext 
{
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	padding-right: 10px;
	padding-left: 1em;
	margin-left: 1em;
}
.headings
{
	font-family: Arial, Helvetica, sans-serif;
	font-weight: bold;
	font-size: 14px;
	text-transform: uppercase;
	color:#000066;
}
.copyright 
{
	font-family: Arial, Helvetica, sans-serif;
	font-size: 10px;
	color: #FFFFFF;
	padding-right: 10px;
	padding-left: 10px;
}
.borderall
{
	border: 1px solid black;
}
.borderleft
{
	border-left: 1px solid black;
}
.borderright
{
	border-right: 1px solid black;
}
bordersides
{
	border-left: 1px solid black;
	border-right: 1px solid black;
}
.nav a, .nav a:hover, .holder 
{
	display: block;
	padding: 3px;
	color: navy;
	font-family: arial, verdana;
	font-size: 12px;
	font-weight: bold;
	text-decoration: none;
	text-align: center;
}
.nav a:hover, .holder
{
	color: black;
	text-decoration: underline;
}
.contactdetails 
{
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	color: #FFFFFF;
	padding: 10px;
}
.subheading 
{
	font-family: Arial, Helvetica, sans-serif;
	font-size: 14px;
	font-weight: bold;
	color: #749EC8;
}