html, body {
	font-family: verdana, arial, sans-serif;
	color: #39393b;
	margin: 0px;
	padding: 0px;
	text-align: center;
	min-width: 755px;
	min-height: 100%;
	background-color: #717F8D;
}

/* @group layout */

#container {
	width: 810px;
	height: 100%;
	padding: 0px;
	margin: 0 auto;
	text-align: center;
	background: url(http://www.umia.com/images/mainbg.gif) repeat-y left top;
}

#main_container
{
	width: 800px;
	height: auto;
	margin: 0 auto;
}

#head_container
{
	width: 800px;
	height: 94px;
	background: url(http://www.umia.com/images/1_masthead.jpg) no-repeat right top;
}

#topnav_container
{
	width: 800px;
	height: 33px;
}

#topsubnav_container
{
	width: 800px;
	height: 29px;
	background-image: url(http://www.umia.com/images/3_subnavbg.gif);
	overflow: hidden;
}

#featureimage_container
{
	width: 800px;
	height: 274px;
	padding-top: 5px;
	padding-bottom: 0px;
}

#quote
{
	width: 256px;
	height: 201px;
	padding: 0px;
	float: left;
}

#newsbox
{
	width: 319px;
	height: 210px;
	min-height: 210px;
	padding: 0px;
	margin: 0;
	float: left;
}

#newscontent
{
	background: url(http://www.umia.com/images/index/newsbackground.gif) repeat-y left top;
	margin: 0px;
	padding: 0px;
	min-height: 160px;
	_height: 160px;
}

#newsheader
{
	width: 319px;
	height: 47px;
	padding: 0px;
	margin: 0px;
	background: url(http://www.umia.com/images/index/newshead.gif) no-repeat;
}

#linksbox
{
	width: 225px;
	height: 210px;
	min-height: 210px;
	padding: 0px;
	margin: 0;
	float: left;
}

#linkscontent {
	background: url(http://www.umia.com/images/index/linksbackground.gif) repeat-y left top;
	min-height: 161px;
	_height: 161px;
}

#linksheader
{
	width: 225px;
	height: 47px;
	padding: 0px;
	margin: 0px;
	background: url(http://www.umia.com/images/index/linkshead.gif) no-repeat;}

#contenthead_container
{
	width: 800px;
	height: 29px;
}

#contentmain_container
{
	width: 800px;
	height: auto;
	min-height: 500px;
	background: url(http://www.umia.com/images/content_shadow.gif) repeat-y left top;
}

#section_header
{
	width: 750px;
	height: 29px;
	margin-right: 25px;
	margin-left: 25px;
}

#testcontainer
{
	width: 750px;
	height: auto;
	margin-right: 25px;
	margin-left: 25px;
}

#leftsubnav_container
{
	width: 180px;
	height: auto;
	min-height: 200px;
	margin-left: 0px;
	float: left;
	text-align: left;
}

#text_container
{
	width: 560px;
	height: auto;
	min-height: 450px;
	margin-top: 5px;
	margin-right: 0px;
	float: right;
	text-align: left;
	font: 10px/18px verdana, arial, sans-serif;
}

#contentfoot_container
{
	width: 810px;
	height: 110px;
	min-height: 110px;
	background: #ffffff url(http://www.umia.com/images/mainbg.gif) repeat-y left top;
	margin: 0 auto;
	font: 9px/14px verdana, arial, sans-serif;
}

#indexfooter
{
	width: 810px;
	height: 25px;
	min-height: 25px;
	margin: 0 auto;
}

#clear
{
	width: 755px;
	height: 10px;
	min-height: 10px;
	clear: both;
}

#clear2
{
	width: 800px;
	height: 30px;
	padding-top: 20px;
	min-height: 10px;
	clear: both;
}

/* @end */

/* @group leftsubnav */

/* left 1st tier nav */

.leftsubnav	{
	color: #333;
	font: 10px/18px verdana, arial, sans-serif;
}

.leftsubnav ul {
	list-style-type: none;
	padding: 0;
	margin: 0 0 10px;
}

/*															 SECTION HEADERS */

.leftsubnav ul li {
	color: #081755;
	font: 12px verdana, arial, sans-serif;
	list-style-type: none;
	padding: 0px;
	margin: 0px;
	text-indent: 25px;
	font-weight: bold;
}

.leftsubnav ul li a {
	color: #333;
	text-decoration: none;
	display: block;
	padding: 5px 15px 5px 10px;
}

.leftsubnav ul li a#selected {
	color: #001A2D;
	background-color: #fff;
	text-decoration: none;
	padding: 5px 15px 5px 10px;
}

.leftsubnav ul li a:active {
	color: #001A2D;
	text-decoration: none;
}

.leftsubnav ul li a:hover {
	color: #503000;
	text-decoration: none;
}

.leftsubnav ul li a#selected:hover {
	color: #503000;
	text-decoration: none;
}

.leftsubnav ul li a:visited {
	color: #001A2D;
	text-decoration: none;
}

.leftsubnav ul li a:visited:hover {
	color: #503000;
	text-decoration: none;
}

/* left 2nd tier nav */

.leftsubnav ul li ul {
	list-style-type: none;
	margin-right: 0;
	margin-top: -14px;
	margin-left: -20px;
	margin-bottom: 0;
	padding-top: 2px;
	padding-right: 0;
	padding-bottom: 6px;

}

/*																 SECTION LINKS */

.leftsubnav ul li ul li {
	font: 10px/12px verdana, arial, sans-serif;
	color: #333;
	text-decoration: none;
	display: block;
	padding: 5px 5px 0 30px;
	font-weight: normal;
	font-style: normal;
}

.leftsubnav ul li ul li a {

	font: 10px/12px verdana, arial, sans-serif;
	text-decoration: none;
	display: block;
	font-weight: normal;
	font-style: normal;
	color: #14377E;
	padding: 0 0 0 0;
}

.leftsubnav ul li ul li a#selected {
	color: #14377E;
	background-color: #fff;
	text-decoration: none;
}

.leftsubnav ul li ul li a:active {
	color: #14377E;
	text-decoration: none;
}

.leftsubnav ul li ul li a:hover {
	color: #488BE5;
	text-decoration: none;
	}

.leftsubnav ul li ul li a:visited {
	color: #14377E;
	text-decoration: none;
}

.leftsubnav ul li ul li a:visited:hover {
	color: #488BE5;
	text-decoration: none;
}

.bullet {
	margin-left: 0px;
	margin-right: 15px;
	margin-top: 2px;
	margin-bottom: 5px;
}

/* @end */

/* @group text */

.maincontent {
	margin: 0px 25px 35px 35px;
	padding: 0;
	color: #001a2d;
}

h1	{
	font: bold 14px/18px verdana, arial, sans-serif;
	color: #001a2d;
	margin-bottom: 0px;
}

h2	{
	font: 9px/18px verdana, arial, sans-serif;
	margin-top: 0px;
	color: #838383;
}

.footimg {
	margin-right: 5px;
	margin-left: 5px;
}

.viewall {
	margin-right: 25px;
	padding-top: 25px;
	text-align: right;
	font: 10px/14px verdana, arial, sans-serif;
	color: #503000;
}

.viewall a {
	color: #503000;
	text-decoration: none;
}

.viewall a:active {
	color: #503000;
	text-decoration: underline;
}

.viewall a:hover {
	color: #503000;
	text-decoration: underline;
}

.viewall a:visited {
	color: #503000;
	text-decoration: none;
}

.viewall a:visited:hover {
	color: #503000;
	text-decoration: underline;
}

.newsblurb1 {
	text-align: left;
	font: 10px/14px verdana, arial, sans-serif;
	color: #333;
	padding: 20px 30px 3px;
}

.newsblurb2 {
	text-align: left;
	font: 10px/14px verdana, arial, sans-serif;
	color: #333;
	padding: 10px 30px;
}


.linklist {
	text-align: left;
	color: #333;
	padding: 20px 30px 0 25px;
	min-height: 120px;
}

.linklist ul {
	margin: 0;
	padding: 0;
	font: 10px/14px verdana, arial, sans-serif;
	list-style-type: none;
}

.linklist ul li {
	margin: 0;
	padding: 0 0 8px;
}

.linkbullet {
	padding-right: 10px;
	padding-top: 2px;
}
.newsend {
	padding-top: 0px;
	position: relative;
	bottom: 0;
	left: 0;
}

.newsarrow {
	padding-right: 10px;
	padding-top: 2px;
	padding-bottom: 31px;
}


.linksend {
	padding-top: 0px;
	position: relative;
	bottom: 0;
	left: 0;
}


a {
	color: #007cbb;
	text-decoration: none;
}

a:active {
	color: #007cbb;
	text-decoration: underline;
}

a:hover {
	color: #007cbb;
	text-decoration: underline;
}

a:visited {
	color: #007cbb;
	text-decoration: none;
}

a:visited:hover {
	color: #007cbb;
	text-decoration: underline;
}

.toplinks {
	font-size: 9px;
	line-height: 12px;
	float: right;
	margin-top: 10px;
	margin-right: 27px;
}

.toplinks a {
	color: #E8D7B5;
	text-decoration: none;
}

.toplinks a:active {
	color: #FFF;
	text-decoration: none;
}

.toplinks a:hover {
	color: #FFF;
	text-decoration: underline;
}

.toplinks a:visited {
	color: #E8D7B5;
	text-decoration: none;
}

.toplinks a:visited:hover {
	color: #FFF;
	text-decoration: underline;
}

.footlinks {
	font-size: 9px;
	line-height: 12px;
}

.footlinks a {
	color: #39393b;
	text-decoration: none;
}

.footlinks a:active {
	color: #007cbb;
	text-decoration: underline;
}

.footlinks a:hover {
	color: #007cbb;
	text-decoration: underline;
}

.footlinks a:visited {
	color: #39393b;
	text-decoration: none;
}

.footlinks a:visited:hover {
	color: #007cbb;
	text-decoration: underline;
}


/* @end */

/* @group top 2nd tier nav */

#subnav_about {
	font-size: 10px;
	line-height: 12px;
	text-align: left;
	height: 29px;
	padding-top: 7px;
	z-index: 8;
	position: relative;
	top: 0px;
	visibility: hidden;
}

#subnav_policy {
	font-size: 10px;
	line-height: 12px;
	text-align: left;
	height: 29px;
	padding-top: 7px;
	z-index: 7;
	position: relative;
	top: -35px;
	visibility: hidden;
}

#subnav_risk {
	font-size: 10px;
	line-height: 12px;
	text-align: left;
	height: 29px;
	padding-top: 7px;
	z-index: 6;
	position: relative;
	top: -70px;
	visibility: hidden;
}

#subnav_onlineed {
	font-size: 10px;
	line-height: 12px;
	text-align: left;
	height: 29px;
	padding-top: 7px;
	z-index: 5;
	position: relative;
	top: -107px;
	visibility: hidden;
}

#subnav_claims {
	font-size: 10px;
	line-height: 12px;
	text-align: left;
	height: 29px;
	padding-top: 7px;
	margin-left: 250px;
	z-index: 4;
	position: relative;
	top: -142px;
	visibility: hidden;
}

#subnav_arbit {
	font-size: 10px;
	line-height: 12px;
	text-align: left;
	height: 29px;
	padding-top: 7px;
	margin-left: 71px;
	z-index: 3;
	position: relative;
	top: -178px;
	visibility: hidden;
}

#subnav_forms {
	font-size: 10px;
	line-height: 12px;
	text-align: left;
	height: 29px;
	padding-top: 7px;
	margin-left: 595px;
	z-index: 2;
	position: relative;
	top: -215px;
	visibility: hidden;
}

#subnav_resources {
	font-size: 10px;
	line-height: 12px;
	text-align: left;
	height: 29px;
	padding-top: 7px;
	margin-left: 360px;
	z-index: 1;
	position: relative;
	top: -251px;
	visibility: hidden;
}

#subnav_about ul {
	display: inline;
	list-style-type: none;
	padding: 0 0 0 15px;
	margin: 0;
}

#subnav_about ul li {
	display: inline;
	margin: 0;
	padding: 0;
}

#subnav_about ul li a {
	color: #503000;
	text-decoration: none;
	display: inline;
	padding: 5px 10px;
}

#subnav_about ul li a:active {
	color: #503000;
	text-decoration: none;
}

#subnav_about ul li a:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_about ul li a:visited {
	color: #503000;
	text-decoration: none;
}

#subnav_about ul li a:visited:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_policy ul {
	display: inline;
	list-style-type: none;
	padding: 0 0 0 15px;
	margin: 0;
}

#subnav_policy ul li {
	display: inline;
	margin: 0;
	padding: 0;
}

#subnav_policy ul li a {
	color: #503000;
	text-decoration: none;
	display: inline;
	padding: 5px 10px;
}

#subnav_policy ul li a:active {
	color: #503000;
	text-decoration: none;
}

#subnav_policy ul li a:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_policy ul li a:visited {
	color: #503000;
	text-decoration: none;
}

#subnav_policy ul li a:visited:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_risk ul {
	display: inline;
	list-style-type: none;
	padding: 0 0 0 15px;
	margin: 0;
}

#subnav_risk ul li {
	display: inline;
	margin: 0;
	padding: 0;
}

#subnav_risk ul li a {
	color: #503000;
	text-decoration: none;
	display: inline;
	padding: 5px 10px;
}

#subnav_risk ul li a:active {
	color: #503000;
	text-decoration: none;
}

#subnav_risk ul li a:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_risk ul li a:visited {
	color: #503000;
	text-decoration: none;
}

#subnav_risk ul li a:visited:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_onlineed ul {
	display: inline;
	list-style-type: none;
	padding: 0 0 0 15px;
	margin: 0;
}

#subnav_onlineed ul li {
	display: inline;
	margin: 0;
	padding: 0;
}

#subnav_onlineed ul li a {
	color: #503000;
	text-decoration: none;
	display: inline;
	padding: 5px 10px;
}

#subnav_onlineed ul li a:active {
	color: #503000;
	text-decoration: none;
}

#subnav_onlineed ul li a:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_onlineed ul li a:visited {
	color: #503000;
	text-decoration: none;
}

#subnav_onlineed ul li a:visited:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_claims ul {
	display: inline;
	list-style-type: none;
	padding: 0 0 0 15px;
	margin: 0;
}

#subnav_claims ul li {
	display: inline;
	margin: 0;
	padding: 0;
}

#subnav_claims ul li a {
	color: #503000;
	text-decoration: none;
	display: inline;
	padding: 5px 10px;
}

#subnav_claims ul li a:active {
	color: #503000;
	text-decoration: none;
}

#subnav_claims ul li a:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_claims ul li a:visited {
	color: #503000;
	text-decoration: none;
}

#subnav_claims ul li a:visited:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_arbit ul {
	display: inline;
	list-style-type: none;
	padding: 0 0 0 15px;
	margin: 0;
}

#subnav_arbit ul li {
	display: inline;
	margin: 0;
	padding: 0;
}

#subnav_arbit ul li a {
	color: #503000;
	text-decoration: none;
	display: inline;
	padding: 5px 10px;
}

#subnav_arbit ul li a:active {
	color: #503000;
	text-decoration: none;
}

#subnav_arbit ul li a:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_arbit ul li a:visited {
	color: #503000;
	text-decoration: none;
}

#subnav_arbit ul li a:visited:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_forms ul {
	display: inline;
	list-style-type: none;
	padding: 0 0 0 15px;
	margin: 0;
}

#subnav_forms ul li {
	display: inline;
	margin: 0;
	padding: 0;
}

#subnav_forms ul li a {
	color: #503000;
	text-decoration: none;
	display: inline;
	padding: 5px 10px;
}

#subnav_forms ul li a:active {
	color: #503000;
	text-decoration: none;
}

#subnav_forms ul li a:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_forms ul li a:visited {
	color: #503000;
	text-decoration: none;
}

#subnav_forms ul li a:visited:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_resources ul {
	display: inline;
	list-style-type: none;
	padding: 0 0 0 15px;
	margin: 0;
}

#subnav_resources ul li {
	display: inline;
	margin: 0;
	padding: 0;
}

#subnav_resources ul li a {
	color: #503000;
	text-decoration: none;
	display: inline;
	padding: 5px 10px;
}

#subnav_resources ul li a:active {
	color: #503000;
	text-decoration: none;
}

#subnav_resources ul li a:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

#subnav_resources ul li a:visited {
	color: #503000;
	text-decoration: none;
}

#subnav_resources ul li a:visited:hover {
	color: #503000;
	background-color: #d5c19c;
	text-decoration: none;
}

.darklink a:link { color: #001a2d; text-decoration: none; }
.darklink a:visited { color: #001a2d; text-decoration: none; }
.darklink a:active { color: #001a2d; text-decoration: none; }
.darklink a:hover { color: #001a2d; text-decoration: none; }

.darklink { color: #001a2d; }

/* @end */