h1        {font-family:times; font-size:17px; font-weight:normal; color:black; 
           text-align:center; margin:0,0,10,0;}
p         {font-family:times; font-size:15px; color:black; text-align:left; margin:0,0,10,0;}
table     {font-family:arial; font-size:15px; color:black;}

body      {background-image:url(../../IMAGES/hb-body.JPG);
           background-position:top left;
           background-attachment:fixed;
           background-repeat:repeat;
           scrollbar-face-color:#D5D6D0;
           margin=10;
          }

a         {text-decoration:none; color:darkblue}
a:visited {text-decoration:none; color:darkblue}
a:hover   {text-decoration:none; color:blue}