body {
margin: 0;
padding: 0;
font-family: Verdana, Arial, Helvetica, sans-serif;
font-size: 12px;
background: #f6f6f6;
}

h1, h2, h3, h4, h5, h6, p, div, ul, li, img, form {
margin: 0;
padding: 0;
}

h1 {
font-size: 150%;
color: #40668b;
font-weight: bold;
letter-spacing: -1px;
}

h2 {
font-size: 120%;
font-weight: bold;
}

h3 {
font-size: 110%;
}

h4 {
font-size: 110%;
}

ul li {
list-style-type: none;
}

a {
color: #00488F;
text-decoration: none;
}

a:hover {
text-decoration: underline;
}

#bigtable {
position: relative;
border: solid 1px gray;
background: white;
margin: auto;
}

#header {
background: #dfd9cb url(http://www.hmrisk.com/images/tagline.gif) no-repeat right;
background-position: 205px 40px;
position: relative;
}

#header2 {
background: none #dfd9cb;
background-position: 205px 40px;
position: relative;
}

#header3{
background: #dfd9cb url(http://www.hmrisk.com/images/tagline2.gif) no-repeat right;
background-position: 205px 40px;
position: relative;
}

#search {
position: absolute;
margin-top: 0.5em;
left: 460px;
top: 0;
}

#tagline {
display: none;
position: relative;
left: 206px;
top: 41px;
}

#topnavmenu {
font-size: 90%;
background: black;
}

#topnavmenu td {
padding: 0.4em 0;
}

#topnavmenu a {
color: white;
font-weight: bold;
}

#leftnav {
padding-right: 1em;
padding-left: 5px;
padding-top: 1em;
}

#leftnav a {
font-weight: bold;
}

/*#leftnav h3 {
border-bottom: 3px solid #40668b;
background: url(/images/leftnav-bkg.gif) left bottom no-repeat;
color: white;
font-style: italic;
font-weight: bold;
}*/

#leftnav ul {
background: #dfd9cb;
font-size: 90%;
border: solid 1px gray;
border-top: none;
margin-bottom: 2em;
padding-top: 1em;
padding-bottom: 1em;
padding-left: 1em;
}

#leftnav ul.white-leftnav {
background: none;
padding-top: 0.5em;
margin-bottom: 1em;
}

/*#leftnav h3.white-leftnav  {
background: url(/images/leftnav-bkg2.gif) left bottom no-repeat;
width: 163px;
border-bottom: 3px solid #40668b;
}*/

#leftnav li {
list-style-type: disc;
margin-bottom: 0.5em;
/*padding-left: 0;*/
margin-left: 1.5em;
/*list-style-image: url(/images/bullet-blue.gif);*/
}

#leftnav li.active {
list-style-image: url(/images/pointer.gif);
}

#leftnav li.active a {
color: black;
}

/*#leftnav h3 {
font-size: 95%;
padding-left: 1em;
padding-top: 4px;
}*/

#leftnav ul.white-leftnav li a {
font-weight: normal;
}

#leftnav li img {
display: none;
}

#content {
padding: 1em;
padding-top: 2em;
}


#content p {
padding: 1em 0;
}

#commercial #content p {
padding-top: 0.4em;
padding-bottom: 1.5em;
}

#commercial #content h4 { /* hack to fix image-paragraph padding problem in IE */
margin-bottom: 2px;
}

#content .split li {
list-style-type: none;
list-style-image: none;
}

#content {
padding-top: 1em;
}

#content a {
text-decoration: underline;
}

#frontpage #content a {
text-decoration: none;
}

#content h4 a {
text-decoration: none;
}

#content .split p {
padding: 1em;
padding-top: 0;
}

#content ul {
padding: 1em;
}

#content ol {
padding-left: 3.5em;
}

#content select {
margin-left: 1em;
}

#content h4 {
padding-left: 1em;
}

h4 a {
color: black;
}

h4 a:hover {
color: #40668b;
}

#footer {
background: #40668b; 
color: white; 
font-size: 90%; 
position: relative;

}

#footer div {
padding: 0.5em;
}

#footer a {
color: white;
font-weight: bold;
text-decoration: none;
}

#footer a:hover {
text-decoration: underline;
}

#footer ul li{
display: inline;
}

#footermenu1,
#footermenu2 {
display: inline;
}

.highlight {
background: #cccfde;
padding: 15px;
}

.highlight h1 {
color: #970001;
text-transform: uppercase;
}

.border-bottom {
border-bottom: dashed 1px gray;
margin-bottom: 1.5em;
}

.subheader {
background: #dfd9cb;
border: solid 1px gray;
padding: 1em;
margin-bottom: 1em;
}

.subheader h2 {
padding-bottom: 5px;
margin-bottom: 0;
border-bottom: 1px dotted white;
}

#menu {
color: white;
}

#menu ul {
background: #40668b;
border: solid 1px white;
position: absolute;
display: none;
}

#menu li {
margin-bottom: 0.3em;
}

#menu td:hover ul {
display: block;
}

ul#commercialmenu {
top: 5px; left: -1px; text-align: left; padding: 1em 2em; width: 20em;
}

#commercialmenu li img {
display: none;
}

ul#riskmenu {
top: 5px; left: -1px; text-align: left; padding: 1em 2em; width: 17em;
}

ul#benefitsmenu {
top: 5px; left: -1px; text-align: left; padding: 1em 2em; width: 17em;
}

#financialmenu {
top: 5px; left: -1px; text-align: left; padding: 1em 2em; width: 18em;
}

#personalmenu {
top: 5px; left: -1px; text-align: left; padding: 1em 2em; width: 15em;
}

#othermenu {
top: 5px; 
}

.menuheader {
background: black;
border-top: solid 1px black;
}

.menuheader:hover {
background: #40668b;
border-top: solid 1px white;
}

.menuheader a:hover {
text-decoration: none;
}

#commercialmenuheader:hover {
border-top: solid 1px #40668b;
}

.dropdownmenu a:hover {
text-decoration: underline;
}

ul.fancy {
margin-left: 5em;
margin-top: 1em;
margin-right: 5em;
background: #dfd9cb;
}

ul.fancy li {
font-weight: bold;
margin-top: 0.4em;
margin-left: 30px;
/*list-style-position: inside;*/
list-style-image: url(/images/checkmark.gif);
list-style-position: outside;
padding-bottom: 4px;
border-bottom: 1px dotted white;
}

ol.fancy {
font-weight: bold;
padding-top: 0.5em;
margin-left: 2em;
margin-top: 1em;
margin-right: 2em;
background: #dfd9cb;
}

ol.fancy li {
padding-bottom: 1em;
}

ol.fancy ul {
font-weight: normal;
}

ol.fancy ul li {
margin-left: 10px;
list-style-image: url(/images/checkmark.gif);
margin-top: 0.4em;
padding-bottom: 2px;
border-bottom: 1px dotted white;
}

.pullquote {
width: 8em;
float: right;
color: #29425A;
font-weight: bold;
font-style: Italic;
font-size: 150%;
margin-left: 1em;
margin-bottom: 1em;
}
.pullquoteimage {
float: right;
margin-left: 1em;
margin-bottom: 1em;
margin-top: 2em;
}

ul.bullets li {
list-style-type: disc;
margin-left: 1em;
}

.split a {
text-decoration: none;
}

#content a:hover {
color: #890404;
text-decoration: underline;
}

span.jobinfo {
display: block;
font-weight: bold;
margin-bottom: 0.5em;
}

span.jobinfo p {
font-weight: normal;
}

div.jobinfo {
margin-top: 1em;
font-weight: bold;
}

div.jobinfo p {
font-weight: normal;
}

.jobinfo ul {
margin-left: 0;
background: 0;
margin: 0;
}

.jobinfo ul li {
font-weight: normal;
list-style-image: url(/images/checkmark.gif);
list-style-position: outside;
padding-bottom: 0;
margin-top: 0.4em;
margin-left: 20px;
}

span.jobinfo span {
font-weight: normal;
}

#content table h1 {
font-size: 100%;
text-align: center;
background: #40668b;
color: white;
margin: 1px;
height: 3.8em;
}

#content table ul {
margin: 0;
padding: 0;
}

#content span.jobinfo ul {
padding-top: 0.2em;
padding-bottom: 1.5em;
}

#leftnav .nobullets li {
list-style-type: none;
}

#benefits2 #content p {
padding: 0;
padding-top: 0.5em;
}

#benefits2 #content h2 {
padding: 0;
margin-top: 1.4em;
}

.careers #content .jobinfo ul ul {
padding-bottom: 0;
}

.careers #content .jobinfo ul ul li {
list-style-image: none;
list-style-type: disc;
}

#leadership_team #content img {
float: left;
margin-right: 15px;
margin-bottom: 10px;
margin-top: 1.5em;
border: solid 1px #333;
}


#leadership_team #content h2 {
padding-top: 0; margin-top: 1em;
color: #40668b;
}

.underline{
	text-decoration:underline;
}