body {
	margin: 0px;
	padding: 0px;
	background-repeat: no-repeat;
	background-position: center top;
	font-family: Verdana, Helvetica, sans-serif;
	font-size: 13px;
	color: #000000;
}
#header {
	width: 1004px;
	margin-right: auto;
	margin-left: auto;
}
#top_menu {
	background-image: url(/_tpl/img/top_menu.jpg);
	background-repeat: no-repeat;
	height: 51px;
}
#apply_form_bg {
	background-image: url(/_tpl/img/apply_now_bg.jpg);
	background-repeat: no-repeat;
	background-position: left top;
	height: 494px;
	width: 283px;
}
#form_padding {
	padding-top: 160px;
	padding-left: 54px;
	padding-right: 12px;
}
#apply_form_bg table {
	width: 100%;
}
#apply_form_bg td {
	padding-bottom: 12px;
	font-weight: bold;
	color: #002658;
	padding-right: 3px;
}
#apply_form_bg form {
	margin: 0px;
	padding: 0px;
}
.text_field {
	width: 130px;
}

#middle_content {
	background: url(/_tpl/img/middle_content.gif) repeat-x left top;
	padding-bottom: 30px;
}
#middle_content_body {
	width: 1004px;
	margin-right: auto;
	margin-left: auto;
	background: url(/_tpl/img/man.jpg) no-repeat 0 0;
}
#man_bottom {
	width: 1004px;
	height: 14px;
	margin-right: auto;
	margin-left: auto;
	background: url(/_tpl/img/man_bottom.jpg) no-repeat 0 0;
}
#left_man {
	font-size: 9pt;
	padding: 220px 0 0 50px;
	height: 210px;
}
#left_man b {
	font-family: Times New Roman, Verdana, sans-serif;
	font-size: 20pt;
	color: #003882;
	font-weight: normal;
	line-height: 80%;
}
#left_man ul {
	padding: 0 0 0 2em;
	margin: 0 0 0 -23px;
}
#left_man ul li{
	margin: 0.5em 0; 
	padding: 0 0 0 15px;
    list-style-type: none;
    background: url('/_tpl/img/li-home.gif') no-repeat 0 0.3em;
}

#content_left {
	display: block;
	width: 170px;
	float: left;
	margin-right: 10px;
}

#content_right {
	display: block;
	width: 170px;
	float: left;
}


#middle_text {
	float: right;
	width: 547px;
	padding-top: 78px;
}
#middle_text p {
	margin-top: 0px;
}
#footer {
	background-image: url(/_tpl/img/footer_bg.gif);
	background-repeat: repeat-x;
	background-position: left top;
	padding-top: 30px;
	padding-bottom: 78px;
	text-align: center;
	color: #003880;
}
#footer a {
	font-size: 15px;
	font-weight: bold;
	color: #003880;
	text-decoration: none;
	margin-right: 4px;
	margin-left: 4px;
}
#footer a:hover {
	text-decoration: underline;
}
#internal_content {
	width: 1004px;
	margin-right: auto;
	margin-left: auto;
}
#internal_lft_clmn {
	width: 283px;
}
#left_clmn_padding {
	padding-left: 31px;
}
#left_clmn_img {
	padding: 0px;
	margin: 0px;
}

#left_clmn_ttl {
	padding: 10px 5px;
	font-size: 13pt;
	margin-bottom: 16px;
	color: #fff; 
	text-align: center;
	text-transform: uppercase;
	background: #003880;
}

#internal_rght_clmn {
	float: right;
	width: 696px;
	padding-top: 16px;
	color: #5e5e5e;
}
#apply_bttm {
	height: 381px;
	background-image: url(/_tpl/img/apply_man.jpg);
	background-repeat: no-repeat;
	background-position: right bottom;
}
#apply_bttm_padding {
	padding-top: 64px;
	padding-right: 264px;
}
#content_bttm {
	background-image: url(/_tpl/img/middle_content.gif);
	background-repeat: repeat-x;
	background-position: left top;
	height: 61px;
}
#contact_block {
	height: 353px;
	background-image: url(/_tpl/img/contact_people.jpg);
	background-repeat: no-repeat;
	background-position: right top;
}
#contact_form_padding {
	padding-top: 32px;
}

#logo {
	display: block;
	position: absolute;
	padding: 15px 0 0 31px;
}


#biz_kredit {display:block; float:right; width:250px; height:410px; margin: 0px 0 0px 10px;}

#kreditbanner {display:block;  margin: -35px 0 10px 0px;}

#columns {clear:both;}
div.col_left {display:block; width:32%; float:left;  font-size:80%; padding:10px 10px 10px 0; text-align:justify;}
div.col_center {display:block; width:32%; float:left;  font-size:80%; padding:10px; text-align:justify;}
div.col_right {display:block; width:32%; float:right;  font-size:80%; padding:10px 0 10px 10px; text-align:justify;}