.chap
{text-align:left; line-height:22px}

.indent1
{padding:0px; margin-top:0px; margin-bottom:0px; margin-left:30px; margin-right:30px;}

.reftext
{
    FONT-SIZE: 11px;
    COLOR: #001320;
    LINE-HEIGHT: 14px;
    margin-left:1px;
    margin-right:2px;
    vertical-align: text-top;
    FONT-FAMILY: Arial, Helvetica, Sans-serif;
}
.ft
{
    FONT-SIZE: 11px;
    COLOR: #001320;
    LINE-HEIGHT: 14px;
    margin-left:2px;
    margin-right:3px;
    vertical-align: text-top;
    FONT-FAMILY: Arial, Helvetica, Sans-serif;
}

.ftn
{  color:#0066aa;
font-weight:700;}

.red
{  color:#ff0000;
}


.txtBlack2

{

    FONT-SIZE: 10px;

    COLOR: #000000;

    FONT-FAMILY: Trebuchet MS, Arial, Helvetica, Sans-serif;

    TEXT-DECORATION: none

}

.btext

{

    FONT-SIZE: 15px;

    COLOR: #001320;

    LINE-HEIGHT: 22px;

    FONT-FAMILY: Arial, Helvetica, Sans-serif;

    TEXT-DECORATION: none;

    TEXT-Align: left

}

.heading {font-weight:700; color:#0066aa;

}