body
{
  margin-top: 0px;
  margin-left: 0px;
  margin-right: 0px;
}

.layout
{
  display: block;
  margin-left: 20px;
  width: 80%;
}

.banner
{
  color: white;
  font-size : 14pt;
  background-image: url('personalheader.jpg');
  font-family: Verdana, Arial, sans-serif;
  height: 50px;
  padding: 10px;
  font-weight: bold;
}

.menu
{
  background-color : white;
  font-family: Verdana, Arial, sans-serif;
  font-size: 90%;
  padding: 5px;
  word-spacing: 5px;
}

.main
{
  background-color : white;
  color : black;
  font-family: Verdana, Arial, sans-serif;
  font-size: 95%;
  padding: 5px;
}

.rightcol
{
  width: 20px;
}

p.Fiction 
{
  text-indent:.5in; margin:0in
}

.matrix
{
  width: 400px
}

.matrix td
{
  font-size: 80%;
  padding: 5px;
}

a:link 
{
  color: navy;
  text-decoration : none;
}

a:visited 
{
  color: navy;
  text-decoration : none;
}

a:hover 
{
  text-decoration : underline;
}

.footer
{
  background-color : white;
  color : black;
  font-size : 8pt;
  padding-left: 5px;
  padding-top: 10px;
}