BODY {
      background-color : #FFFFFF;
      //background-image: url(images/Pattern1.gif);
      //background-repeat: repeat-y; 
      font-family : Verdana, Geneva, Arial, Helvetica, sans-serif;
      color : #000088;
      margin: 50px; 
      text-align: justify; 
      }

  dt { font-size: 11pt;  font-weight: bold; margin:10 0 0 0; }
  dd { text-align: justify; font-size: 10pt; padding-left: 10; margin:0 0 0 0; text-indent: 0in; }
  .sm {font-size: 8pt;}
  li {      text-align: justify; margin:10 10 10 10; }
  p {      text-align: justify; text-indent: 0.15in }