body { color: black; background-color: white; background-image: url(images/bkgndpatt.jpg); }
p  { font-size: 15px; font-family: Georgia, "Times New Roman", Times, serif; line-height: 1.3em }
td  { font-size: 13px; font-family: Georgia, "Times New Roman", Times, serif; line-height: 1.3em ; }
a.black:link { color: black; text-decoration: none }
a.black:visited { color: black }
a.black:hover { color: black; text-decoration: underline }
.footer { font-size: 11px; font-family: Georgia, "Times New Roman", Times, serif; font-style: italic }
.smaller { font-size: 13px; font-family: Georgia, "Times New Roman", Times, serif; }
a:link { color: blue; text-decoration: underline }
a:visited { color: blue; text-decoration: underline }
a:hover { color: navy; text-decoration: underline }