body, html {margin:0;padding:0;width:100%;height:100%;text-align:center;background-color:#000000; font-family:Geneva, Arial, Helvetica, sans-serif;} 
hr {color: #fff; background-color: #fff; border: 1px solid #ff0000; border-style: none none solid;}

#container {
position:relative;
width:800px;
text-align: left;
margin: 0 auto;
}
#top-banner {
width:800px;
height:81px;
}

#nav {
width:800px;
height:30px;
background-color:#FFFFFF;
}

#bodycontent {
font-size:12px;
width:760px;
padding:20px;
background-color:#FFFFFF;
color:#000000;
height:auto;
}
#bodycontent h1 {
font-size:15px;
font-weight:bold;
text-transform:uppercase;
color:#666666;
}
#bodycontent h2 {
font-size:13px;
font-weight:bold;
text-transform:none;
color:#FB8902;
}
#bodycontent h3 {
font-size:14px;
font-weight:bold;
color:#217582;
line-height:14px;
font-style:italic;
padding-left: 30px;
padding-top:4px;
background-image: url(http://www.homeownershipaccelerator.com/images/quote.png);
background-repeat: no-repeat;
background-position: 0;
}
#bodycontent h4 {
font-size:14px;
font-weight:bold;
color:#fce758;
background-color: #565555;
padding:2px;
}

#bodycontent p {
width:580px;
font-size:12px;
padding:5px 0 0 0;
}
#bodycontent ul, ol { 
width:560px; 
list-style-position:inside;
margin-left: 0;
padding-left: 2em;
text-indent: -1.4em;
line-height:18px;
}

#bodycontent a {
color:#B78A3C;
font-size:12px;
text-decoration:none;
}
#bodycontent a:hover {color:#000000}

#rightcol {
color:#000000;
font-size:12px;
width:170px;
float:right;
background-color:#FFFFFF;
line-height:140%;
}

#footer {
font-size:10px;
color:#333333;
background-image:url(../images/footer-bg.png);
background-repeat:no-repeat;
width:800px;
height:86px;
text-align:center;
padding-top:25px;
}
#footer a {
text-decoration:none;
color:#333333;
}
#footer a:hover {color:red;}

.disclaimer {
width:800px;
height:86px;
text-align:center;
font-size:9px;
color:#ffffff;
padding-top:30px;
}

.start {
font-size:20px;
font-weight:bold;
color:#000000;
line-height:24px;
font-style:italic;
padding-left: 30px;
padding-top:8px;
background-image: url(http://www.homeownershipaccelerator.com/images/quote.png);
background-repeat: no-repeat;
background-position: 0;
}


<!-- Featured Items -->
a.external:link {border:2px solid #FFFFFF; margin:15px;}
a.external:visited {border:2px solid #FFFFFF; margin:15px;}
a.external:hover {border:2px solid #CFE8EC; margin:15px;}
a.external:active {border:2px solid #FFFFFF; margin:15px;}

<!-- SIDEBAR CSS -->
.spiffy{display:block}
.spiffy *{
display:block;
height:1px;
overflow:hidden;
font-size:.01em;
background:#DFE3E4}
.spiffy1{
margin-left:3px;
margin-right:3px;
padding-left:1px;
padding-right:1px;
border-left:1px solid #f1f2f3;
border-right:1px solid #f1f2f3;
background:#e7eaea}
.spiffy2{
margin-left:1px;
margin-right:1px;
padding-right:1px;
padding-left:1px;
border-left:1px solid #fbfcfc;
border-right:1px solid #fbfcfc;
background:#e5e8e9}
.spiffy3{
margin-left:1px;
margin-right:1px;
border-left:1px solid #e5e8e9;
border-right:1px solid #e5e8e9;}
.spiffy4{
border-left:1px solid #f1f2f3;
border-right:1px solid #f1f2f3}
.spiffy5{
border-left:1px solid #e7eaea;
border-right:1px solid #e7eaea;}
.spiffyfg{
background:#DFE3E4;
padding:7px;}