* { padding: 0; margin: 0; }

body {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 13px;
	position: relative;
}
#wrapper { 
 margin: 0 auto;
 width: 922px;
}
#HTG {
 background: url(back.gif);
 margin-bottom: 5px;
 overflow: auto; /* Paul O Brien Fix for IE www.pmob.co.uk */
 width: 100%
}
#header {
	color: #FFFFFF;
	width: 902px;
	padding: 10px;
	height: 100px;
	margin: 10px 0px 5px 0px;
	background-color: #C3D8EF;
}
#navigation {
	color: #1B3461;
	padding: 10px;
	margin: 0px 0px 5px 0px;
	background-color: #60A3D9;
}
#leftcolumn {
	display: inline;
	color: #1B3461;
	margin: 10px;
	padding: 0px;
	width: 195px;
	float: left;
	background-color: #FFFFFF;
}
#content { 
 float: left;
 color: #1B3461;
 margin: 10px 13px;
 padding: 0px;
 width: 460px;
 display: inline;
 position: relative;
}
#rightcolumn {
	display: inline;
	position: relative;
	color: #1B3461;
	margin: 10px 10px 10px 0px;
	padding: 0px;
	width: 195px;
	float: right;
	background-color: #FFFFFF;
}
#footer {
	width: 902px;
	clear: both;
	color: #333;
	margin: 0px 0px 10px 0px;
	padding: 10px;
	background-color: #60A3D9;
}
.clear { clear: both; background: none; }