a  {text-decoration: underline; color: #000000}
a:visited a:link a:active {text-decoration: underline; color: #000000 }
a:hover  { text-decoration: none}

P { font-family: Verdana, Arial, Helvetica, sans-serif }
ul li { list-style-type: disc; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 15px  }

.heading { color: #000000; font-size: 16px ; font-weight: bold; text-align: left}
.bodytext { color: #000000; font-size: 15px ; text-align: justify}
.formtext { color: #FFFFFF; font-size: 15px ; text-align: left}
.bodytextnj { color: #000000; font-size: 15px ; text-align: left}
.caption { color: #000000; font-size: 11px }
.smcaption { color: #999999; font-size: 10px }