* {padding:0; margin:0;}
#wrapper {
	width: 970px;
	background-color: #ffffff;
	margin-right: auto;
	margin-left: auto;
}

#contact-main {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #FFFFFF;
	height: 560px;
	width: 710px;
	position: absolute;
	left: 10px;
	top: 10px;
	background-image: url(../images/life-insurance/Lines-short-li.gif);
	background-repeat: repeat-x;
}
#business-expenses {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #FFFFFF;
	height: 550px;
	width: 710px;
	position: absolute;
	left: 10px;
	top: 10px;
	background-image: url(../images/life-insurance/Lines-short-li.gif);
	background-repeat: repeat-x;
}
#term-life {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #FFFFFF;
	height: 980px;
	width: 710px;
	position: absolute;
	left: 10px;
	top: 10px;
	background-image: url(../images/life-insurance/Lines-short-li.gif);
	background-repeat: repeat-x;
}
#disability-income {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #FFFFFF;
	height: 650px;
	width: 710px;
	position: absolute;
	left: 10px;
	top: 10px;
	background-image: url(../images/life-insurance/Lines-short-li.gif);
	background-repeat: repeat-x;
}
#money-back {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #FFFFFF;
	height: 550px;
	width: 710px;
	position: absolute;
	left: 10px;
	top: 10px;
	background-image: url(../images/life-insurance/Lines-short-li.gif);
	background-repeat: repeat-x;
}
#downloads {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #FFFFFF;
	height: 550px;
	width: 710px;
	position: absolute;
	left: 10px;
	top: 10px;
	background-image: url(../images/life-insurance/Lines-short-li.gif);
	background-repeat: repeat-x;
}
#superannuation {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #FFFFFF;
	height: 550px;
	width: 710px;
	position: absolute;
	left: 10px;
	top: 10px;
	background-image: url(../images/life-insurance/Lines-short-li.gif);
	background-repeat: repeat-x;
}


.location-text-footer {
	font-size: 10px;
	font-weight: normal;
	color: #333333;
	text-align: center;
}
#crisis-recovery {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #FFFFFF;
	height: 550px;
	width: 710px;
	position: absolute;
	left: 10px;
	top: 10px;
	background-image: url(../images/life-insurance/Lines-short-li.gif);
	background-repeat: repeat-x;
}
.underline {
	text-decoration: underline;
}

.contact-tab1 {
	margin-left: 25px;
}
.contact-tab2 {
	position: absolute;
	left: 200px;
}
#contact-main a {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	font-weight: bold;
	text-decoration: none;
	color: #000000;
}
#contact-main a:hover {
	color: #ff9900;
}
body {
	background-color: #FFFFFF;
	background-repeat: repeat-y;
	background-position: center top;
}
#header {
	background-color: #333333;
	height: 75px;
	width: 970px;
	margin-top: 10px;
	margin-bottom: 0px;
	background-image: url(../images/topbanner.png);
	background-repeat: no-repeat;
	background-position: right top;
}
#advert-wrap {
	width: 970px;
	position: relative;
	height: 200px;
	background-color: #333333;
	left: 0px;
	top: 0px;
}
.main-border-bottom {



	margin-top: 201
.px;
	margin-top: 199px;
	float: right;
}
.tl-border-bottom {
	float: right;





	margin-top: 201
.px;
	margin-top: 620px;
}
.bep-border-bottom {
	float: right;










	margin-top: 201
.px;
	margin-top: 200px;
}
.dip-border-bottom {
	float: right;








	margin-top: 201
.px;
	margin-top: 290px;
}
.mb-border-bottom {
	float: right;









	margin-top: 201
.px;
	margin-top: 200px;
}
.dl-border-bottom {
	float: right;









	margin-top: 201
.px;
	margin-top: 200px;
}
.s-border-bottom {
	float: right;









	margin-top: 201
.px;
	margin-top: 200px;
}
.cr-border-bottom {
	float: right;









	margin-top: 201
.px;
	margin-top: 200px;
}



h4 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	font-weight: bold;
	padding-left: 6px;
}

#quick-links {
	height: 370px;
	width: 230px;
	background-color: #ffffff;
	position: absolute;
	left: 730px;
	top: 10px;
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-repeat: repeat-x;
	background-image: url(../images/life-insurance/Lines-short-li.gif);
}

#quick-links ul {
	padding-left: 15px;
	padding-top: 10px;
	list-style-type: none;
}
#quick-links ul li {
	padding-bottom: 10px;
}

#quick-links ul li a {
	color: #000000;
	text-decoration: none;
	font-weight: bold;
}

#quick-links ul li a:hover {
	color: #ff9900;
}
#navlist {
	list-style-type: none;
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	font-weight: bold;
	background-color: #FFFFFF;
	margin: 0px;
}
ul#navlist   li {
	float: right;
}
ul#navlist      li     a {
	display: block;
	width: 125px;
	text-align: center;
	padding-top: 5px;
	margin-right: 0px;
	margin-left: 10px;
	padding-bottom: 5px;
	background-color: #FFFFFF;
	color: #000000;
	text-decoration: none;
}
ul#navlist   li   a.current {
	background-color: #FF9900;
}
ul#navlist li a.current:hover {
	background-color: #FF9900;
}
ul#navlist     li   a:hover {
	background-color: #FFCC99;
}

h1 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 24px;
	font-weight: bold;
	padding-left: 5px;
}
h2 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 20px;
	font-weight: bold;
	text-align: center;
	padding-top: 2px;
}
.current {
}
.tagline {
	font-style: italic;
	font-weight: bold;
}
#content-wrap {
	width: 970px;
	position: relative;
	height: 580px;
	border-right-color: ff9900;
	background-image: url(../images/life-insurance/main-lines-li.gif);
	background-repeat: no-repeat;
	background-position: left top;
}
#tl-wrap {
	width: 970px;
	position: relative;
	height: 1000px;
	border-right-color: ff9900;
	background-image: url(../images/life-insurance/main-lines-li.gif);
	background-repeat: no-repeat;
	background-position: left top;
}
#bep-wrap {
	width: 970px;
	position: relative;
	height: 580px;
	border-right-color: ff9900;
	background-image: url(../images/life-insurance/main-lines-li.gif);
	background-repeat: no-repeat;
	background-position: left top;
}
#dip-wrap {
	width: 970px;
	position: relative;
	height: 670px;
	border-right-color: ff9900;
	background-image: url(../images/life-insurance/main-lines-li.gif);
	background-repeat: no-repeat;
	background-position: left top;
}
#mb-wrap {
	width: 970px;
	position: relative;
	height: 580px;
	border-right-color: ff9900;
	background-image: url(../images/life-insurance/main-lines-li.gif);
	background-repeat: no-repeat;
	background-position: left top;
}
#dl-wrap {
	width: 970px;
	position: relative;
	height: 580px;
	border-right-color: ff9900;
	background-image: url(../images/life-insurance/main-lines-li.gif);
	background-repeat: no-repeat;
	background-position: left top;
}
#s-wrap {
	width: 970px;
	position: relative;
	height: 580px;
	border-right-color: ff9900;
	background-image: url(../images/life-insurance/main-lines-li.gif);
	background-repeat: no-repeat;
	background-position: left top;
}
.30px-indent {
	margin-left: 30px;
}

#cr-wrap {
	width: 970px;
	position: relative;
	height: 580px;
	border-right-color: ff9900;
	background-image: url(../images/life-insurance/main-lines-li.gif);
	background-repeat: no-repeat;
	background-position: left top;
}
#wrapper #tl-wrap #term-life ul {
	margin-left: 45px;
	margin-top: 10px;
	margin-bottom: 10px;
}
#wrapper  #bep-wrap  #business-expenses  ul {
	margin-left: 45px;
	margin-top: 10px;
	margin-bottom: 10px;
}
#wrapper  #mb-wrap  #money-back  ul {
	margin-left: 45px;
	margin-top: 10px;
	margin-bottom: 10px;
}
#wrapper   #dl-wrap   #downloads   ul {
	margin-left: 45px;
	margin-top: 10px;
	margin-bottom: 10px;
}
#wrapper   #s-wrap   #superannuation   ul {
	margin-left: 45px;
	margin-top: 10px;
	margin-bottom: 10px;
}
#wrapper   #dip-wrap   #disability-income   ul {
	margin-left: 45px;
	margin-top: 10px;
	margin-bottom: 10px;
}
#wrapper   #cr-wrap   #crisis-recovery   ul {
	margin-left: 45px;
	margin-top: 10px;
	margin-bottom: 10px;
}
#wrapper #dl-wrap #downloads a {
	font-weight: bold;
	color: #000000;
	text-decoration: none;
}
#wrapper #dl-wrap #downloads a:hover {
	color: #Ff9900;
}



#footer {
	background-color: #ffffff;
	height: 50px;
	width: 970px;
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	border-top-width: 2px;
	border-top-style: solid;
	border-top-color: #FF9900;
}

.list-2 {
}
#footer .list-2 {
	margin-bottom: 5px;
	padding-top: 13px;
}


#footer ul li {
	display: inline;
	padding-left: 10px;
	border-right-width: thin;
	border-right-style: solid;
	border-right-color: #333333;
	padding-right: 10px;
}
#footer ul li a {
	text-decoration: none;
	color: #000000;
	font-weight: bold;
}
#footer ul li a:hover {
	color: #FF9900;
}


#footer ul {
	list-style-type: none;
	text-align: center;
	margin-bottom: -10px;
}
.last-li {
	border-right-style: none;
}
#footer .last-li {
	border-top-style: none;
	border-right-style: none;
	border-bottom-style: none;
	border-left-style: none;
}



#menu-bar {
	background-color: #ffffff;
	width: 970px;
	height: 25px;
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	font-weight: bold;
	list-style-type: none;
	border-bottom-width: 2px;
	border-bottom-style: solid;
	border-bottom-color: #FF9900;
}
.cov-logo {
	float: left;
	margin-left: 0px;
	margin-top: 3px;
	text-decoration: none;
}



p {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	padding-top: 5px;
	padding-right: 5px;
	padding-bottom: 5px;
	padding-left: 6px;
}
.headertxt {
	text-align: right;
	vertical-align: middle;
	padding-top: 30px;
	font-size: 15px;
	color: #FFFFFF;
	padding-right: 25px;
	letter-spacing: 0.1em;
}

#pr-box4 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #FFFFFF;
	height: 180px;
	width: 230px;
	position: absolute;
	left: 730px;
	top: 390px;
	background-image: url(../images/life-insurance/broken-umbrella.jpg);
}
#bep-pr-box {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #FFFFFF;
	height: 180px;
	width: 230px;
	position: absolute;
	left: 730px;
	top: 390px;
	background-image: url(../images/life-insurance/broken-umbrella.jpg);
}
#pr-box3 {
	font-family: Arial, Helvetica, sans-serif;
	height: 180px;
	width: 230px;
	position: absolute;
	left: 490px;
	top: 10px;
	font-size: 12px;
	background-color: #666666;
	background-image: url(../images/life-insurance/pickets-li.gif);
	background-repeat: no-repeat;
}

#pr-box2 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #666666;
	height: 180px;
	width: 230px;
	position: absolute;
	left: 250px;
	top: 10px;
	background-image: url(../images/life-insurance/tradesman-li.gif);
	background-repeat: no-repeat;
}
.left-h2 {
	text-align: left;
	margin-left: 5px;
}


#pr-box1 {
	height: 180px;
	width: 230px;
	position: absolute;
	left: 10px;
	top: 10px;
	background-color: #666666;
	background-image: url(../images/life-insurance/mountains-li.gif);
	background-repeat: no-repeat;
}
.bullet-qm {
	font-size: 14px;
	font-weight: bold;
}
.umbrella {
	color: #FFFFFF;
	margin-bottom: -4px;
}
.umbrella-p {
	color: #FFFFFF;
	margin-bottom: -4px;
	position: absolute;
	top: 138px;
	text-align: center;
	margin-left: 10px;
}

.pockets {
	margin-left: 80px;
	text-align: left;
}
.tradies-ins {
	margin-right: 100px;
}

#main {
	width: 710px;
	position: absolute;
	left: 10px;
	top: 10px;
	background-color: #FFFFFF;
	background-repeat: repeat-x;
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	height: 370px;
	background-image: url(../images/life-insurance/Lines-short-li.gif);
	background-position: top;
}
#quick-links a.current-link {
	color: #FF9900;
}
a img { border:none; } 
.divider {
	margin-top: 100px;
	margin-bottom: 150px;
	margin-left: 723px;
}
.bold {
	font-weight: bold;
}
#pr-box5 {
	font-family: Arial, Helvetica, sans-serif;
	font-size: 12px;
	background-color: #FFFFFF;
	height: 180px;
	width: 230px;
	position: absolute;
	left: 730px;
	top: 10px;
	background-image: url(../images/life-insurance/broken-umbrella.jpg);
}
.indent6pt {
	margin-left: 6px;
}
h5 {
	font-size: 10px;
}
.border-bottom {
	float: right;






	margin-top: 201
.px;
	margin-top: 0px;
}