body, h1, h2, h3, h4, p, blockquote, 
a, img, ol, ul, li, form, label, table, 
tbody, tfoot, thead, tr, th, td {
margin:0;
padding:0;
border:0;
outline:0;
vertical-align:top;
background:transparent;
}

ul {
list-style: none;
}

a:focus, a:active, :focus {
outline:none;
}

table {
border-collapse: collapse;
border-spacing: 0;
}

hr {
border:none;
border-top:1px dashed #CCC;
border-bottom:1px dashed #FFF;
margin:20px 0;
}

h1 {
color:#005e9d;
margin-bottom:20px;
margin-left:-20px;
font-size:1.8em;
font-weight:normal;
text-transform:uppercase;
}

h2 {
color:#005e9d;
padding:0 0 5px 0;
font-size:1.7em;
font-weight:normal;
}

h3 {
color:#005e9d;
padding:0 0 5px 0;
font-size:1.4em;
font-weight:normal;
}

h4 {
color:#005e9d;
padding:0 0 5px 0;
font-size:1.3em;
font-weight:normal;
}

body {
background:#d3d3d3 url(images/background.jpg) top center repeat-x;
font:.775em Verdana, Arial, Helvetica, sans-serif;
text-align:center;
color:#000;
margin:0;
padding:0;
}

#container {
padding:0 10px;
width:940px;
text-align:left;
margin:0 auto;
}

#logo {
width: 177px;
height: 75px;
margin:16px 0;
position: relative;
float:left;
font-size:1em;
font-weight:normal;
}

#logo a {
background: url(images/silverberg_group.gif) no-repeat;
position: absolute;
width: 100%;
height: 100%;
}

.twitter {
background:url(images/follow_us_on_twitter.gif) no-repeat;
display:block;
float:right;
margin:45px 0 0 0;
text-indent:-9999px;
text-decoration:none;
height:34px;
width:176px;
}

.twitter:hover {
background-position:left bottom;
}

#nav {
clear:both;
border: 0;
margin: 0;
padding: 0;
float:left;
width:100%;
}

#nav li {
display: block;
float: left;
text-align: center;
padding: 0;
margin: 0;
}

#nav li a {
background:url(images/nav_bg.gif) no-repeat;
width:72px;
height:51px;
padding: 0;
margin: 0 0 10px 0;
color: #f5d7b4;
text-decoration: none;
display: block;
text-indent:-9999px;
font: normal 10px/18px "Lucida Grande", "Lucida Sans Unicode", verdana, lucida, sans-serif;
}

#nav .two a {background-position:-73px 0; width:92px}
#nav .three a {background-position:-165px 0; width:97px}
#nav .four a {background-position:-262px 0; width:120px}
#nav .five a {background-position:-382px 0; width:107px}
#nav .six a {background-position:-489px 0; width:184px}
#nav .seven a {background-position:-673px 0; width:85px}
#nav .eight a {background-position:-758px 0; width:66px}
#nav .nine a {background-position:-824px 0; width:116px}

#nav li a:hover {background-position:0 -51px;}
#nav .two a:hover {background-position:-73px -51px;}
#nav .three a:hover {background-position:-165px -51px;}
#nav .four a:hover {background-position:-262px -51px;}
#nav .five a:hover {background-position:-382px -51px;}
#nav .six a:hover {background-position:-489px -51px;}
#nav .seven a:hover {background-position:-673px -51px;}
#nav .eight a:hover {background-position:-758px -51px;}
#nav .nine a:hover {background-position:-824px -51px;}

#nav .active, #header #nav a:focus, #nav .active:hover {background-position:0 -102px;}
#nav .two .active, #header #nav .two a:focus, #nav .two .active:hover {background-position:-73px -102px;}
#nav .three .active, #header #nav .three a:focus, #nav .three .active:hover {background-position:-165px -102px;}
#nav .four .active, #header #nav .four a:focus, #nav .four .active:hover {background-position:-262px -102px;}
#nav .five .active, #header #nav .five a:focus, #nav .five .active:hover {background-position:-382px -102px;}
#nav .six .active, #header #nav .six a:focus, #nav .six .active:hover {background-position:-489px -102px;}
#nav .seven .active, #header #nav .seven a:focus, #nav .seven .active:hover {background-position:-673px -102px;}
#nav .eight .active, #header #nav .eight a:focus, #nav .eight .active:hover {background-position:-758px -102px;}
#nav .nine .active, #header #nav .nine a:focus, #nav .nine .active:hover {background-position:-824px -102px;}

#banner {
background:url(images/banner_bg.gif) no-repeat;
float:left;
height:268px;
width:100%;
}

#banner .text {
margin:58px 0 0 20px;
float:left;
}

#banner .flash {
background:url(images/banner_image.jpg) top right no-repeat;
margin:30px 10px 0 0;
padding:2px 0 0 30px;
float:right;
height:235px;
width:420px;
}

#banner img {
margin:0px 5px 0 20px;
}

.indexItem{
margin:10px 11px 10px 0;
float:left;
width:306px;
}

.indexItem .inner {
background:#FFF url(images/item_bg.gif) left bottom no-repeat;
padding-bottom:10px;
position:relative;
}

.indexItem .choose {
background:#FFF url(images/choose_bg.jpg) 0px 0 no-repeat;
height:156px;
position:relative;
text-align:center;
}

.indexItem .inner p {
padding:25px 15px;
}

#sidebar {
color:#666;
float:right;
line-height:1.3em;
width:306px;
}

#sidebar .item .inner {
background: url(images/item_bg.gif) left bottom no-repeat;
clear:both;
float:left;
height:180px;
height:100%;
padding-bottom:15px;
position:relative;
margin-bottom:10px;
width:306px;
}

#sidebar .item p {
padding:10px 20px 15px 20px;
}

.item ul, .indexItem ul {
padding:0 20px 0 20px;
margin-bottom:4px;
font-size:.9em;
}

.item ul li, .indexItem ul li {
background:url(images/item_li_bg.gif) no-repeat;
padding:11px 0;
display:block;
width:260px;
}

.item li span, .indexItem li span, .list1 li span {
color:#005e9d;
display:block;
font-size:.9em;
}

#mainContent {
background:url(images/mainContent_bottom.gif) left bottom no-repeat;
clear:both;
padding:0;
float:left;
width:623px;
}

.full #mainContent {
background:url(images/mainContentFull_bottom.gif) left bottom no-repeat;
width:940px;
}

.full #mainContent .inner {
background:url(images/mainContentFull_bg.gif) repeat-y;
width:900px;
}

#mainContent .inner {
background:url(images/mainContent_bg.gif) repeat-y;
margin-bottom:4px;
padding:0 20px 20px 20px;
width:583px;
}

#mainContent p, #sidebar p {
margin:10px 0;
}

#mainContent ol {
color:#005e9d;
margin-left:20px;
}

#mainContent ul {
margin:0 0 10px 0;
}

#mainContent ul li {
background:url(images/bullet_1.gif) 0 7px no-repeat;
color:#666;
padding:3px 0 3px 20px;
margin:0 0 0 20px;
line-height:1.4em;
}

#mainContent a {
color:#666;
}

.readMore, .find {
background:url(images/read_more_btn.gif) no-repeat;
display:block;
position:absolute;
margin-top:-20px;
right:20px;
text-align:left;
text-decoration:none;
text-indent:-9999px;
height:20px;
width:80px;
}

.find {
background:url(images/find_the_right_advisor.gif) no-repeat;
margin:122px 63px 0 0;
height:24px;
width:141px;
}

.back {
background:url(images/back_btn.gif) no-repeat;
display:block;
margin:0 0 10px 0;
text-align:left;
text-indent:-9999px;
height:20px;
width:50px;
}

.readMore:hover, .back:hover, .find:hover {
background-position:left bottom;
}

#mainContent .send {
background:url(images/send_btn.gif) no-repeat;
border:none;
padding:0;
display:block;
float:right;
text-indent:-9999px;
height:27px;
width:80px;
}

.send:hover {
background-position:left bottom;
}

.item .send {
background:url(images/send_btn.gif) no-repeat;
border:none;
padding:0;
display:block;
float:none;
margin:0 0 0 198px;
text-indent:-9999px;
height:27px;
width:80px;
}

.list li a {
background:url(images/bullet_1.gif) 0 8px no-repeat;
color:#666;
display:block;
padding:0 15px;
line-height:2.05em;
font-size:1.1em;
text-decoration:none;
}

.indexItem li a {
color:#666;
text-decoration:none;
}

#mainContent .list1 ul {
border-bottom:1px solid #e0e0e0;
margin:0 20px;
}

#mainContent .list1 li {
background:url(images/bullet_1.gif) 0 15px no-repeat;
border-top:1px solid #e0e0e0;
border-bottom:1px solid #FFF;
color:#666;
padding:10px 0 10px 20px;
margin:0;
line-height:1.5em;
}

.list2 li span {
background:url(images/bullet_2.gif) 0 5px no-repeat;
color:#666;
padding-left:25px;
font-size:1.1em;
line-height:2.05em;
}

.sTable td {
padding:10px 0;
}

.sTable td label, label {
padding-right:10px;
color:#005e9d;
text-align:right;
}

.sTable td input, .sTable td textarea {
background:#FFF url(images/input_bg.gif) repeat-x;
border:1px solid #cecece;
padding:5px;
width:300px;
}

.sTable td input:focus, .sTable td textarea:focus, .subscribe input:focus {
background:#FFF;
border:1px solid #b0b0b0;
}

.oTable {
width:100%;
}

.oTable td {
border-left:1px dashed #ccc;
padding:0 10px;
}

.oTable .first {
border:none;
}

.subscribe input {
display:block;
background:#FFF url(images/input_bg.gif) repeat-x;
border:1px solid #cecece;
padding:3px;
margin-top:2px;
width:250px;
}

#footer {
background: url(images/footer_bg.gif) left top no-repeat;
color:#666;
padding:10px;
margin-top:10px;
font-size:.9em;
height:20px;
}

#footer a {
color:#666;
text-decoration:none;
}

#footer p {
float:left;
}

#footer ul {
float:right;
}

#footer ul li {
float:left;
margin:0 7px;
}

.clearfloat {
clear:both;
height:0;
font-size:1px;
line-height:0;
}
<!--
#seo_link {
	clear:both;
	height:40px;
	padding-top:6px;
	text-align:center;
}
#seo_link a:link img, #seo_link a:visited img, #seo_link a:hover img {
	border:none;
}
#more_keep_your {
	display:none;
	border-top: none !important;
	margin-top: 15px;
}
#more_keep_your p{
	margin:10px;
}
.read_more, .read_more a:link, .read_more a:visited {
	color:#000000;
	cursor:pointer;
	text-decoration: none;
	
	margin: 5px 1px 0px 7px;
	text-align: right;
}
.read_more a:hover {
	text-decoration: underline;
}

-->