p {  font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 12px}
p {  line-height: 16pt; padding-right: 15px}
h3           { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 12px; 
               font-style: normal; font-weight: bold; color: #000080 }
ul {  font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 12px; line-height: 16pt}
div {  font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 12px; line-height: normal}
h1           { font-family: 'Times New Roman', Times, serif; font-size: 24px; font-style: 
               normal; font-weight: bold; color: #000080 }
h2           { font-family: 'Times New Roman', Times, serif; font-size: 18px; font-style: 
               normal; font-weight: bold; color: #000080 }
h4           { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10px; color: 
               #000080; font-style: italic; font-weight: bold }