a {text-decoration: none; color: navy;}
a:hover {text-decoration: underline;}
.main {font-family: calibri, verdana; font-size: 11pt; line-height:140%}
.hed {font-family: calibri, verdana; font-size: 22pt; color: #224066; line-height:120%;}
.hed2 {font-family: calibri, verdana; font-size: 12pt; color: #224066; line-height:120%;}
.hed3 {font-family: calibri, verdana; font-size: 14pt; color: #122541; line-height:1.5;}
.top {font-family: calibri, verdana; font-size: 14pt; line-height:140%}