body {
   margin: 0px;
   padding: 0px;
   background-color: #3198FF;
   font-family: Arial, Helvetica, sans-serif;
   position: relative;
}
#leftcolumn {
   padding: 0px;
   margin: 0px;
   width: 145px;
   float: left;
   position: absolute;
   top: 0px;
   left: 0px;
}
#rightcolumn {
   padding: 0px;
   margin: 0px;
   width: 145px;
   float: right;
   position: absolute;
   top: 0px;
   right: 0px;
   padding-top: 140px;
}
#contents {
   padding: 0px;
   margin: 0px;
   margin-right: 155px;
   margin-left: 155px;
   padding-right: 50px;
   padding-left: 50px;
   padding-bottom: 25px;
   background-color: White;
   font-size: 1em;
   border-left: 1px solid navy;
   border-right: 1px solid navy;
}
h3 {
   font-family: Arial, Helvetica, sans-serif;
   text-align: center;
   font-size: 1.2em;
   margin: 0px;
   padding: 0px;
   padding-top: 2%;
}
h2 {
   font-family: Arial, Helvetica, sans-serif;
   text-align: left;
   padding-top: 25px;
   padding-bottom: 25px;
   font-size: 1.2em;
   margin: 0px;
}  
#subheading {
   color: white;
}
h4 {
      text-align: left;
}
p.justify {
   text-align: justify;
   background-color: transparent;
}

img {
       vertical-align: middle;
       border: none;       
}
a {
        text-decoration: none;
        font-weight: bold;
}
a:hover {
        text-decoration: underline;
}
hr.separator {
   margin: 0px;
   padding: 5px;
   border: none;
   text-align: center;
   height: 2px;
   color: Silver;
}