html, body, .wrapper {height: 100%;}

body > .wrapper {height: auto; min-height: 100%;}

/* CLEAR FIX*/
.clearfix:after {
	content: ".";
	display: block;
	height: 0;
	clear: both;
	visibility: hidden;
}
.clearfix {display:block;}
/* Hides from IE-mac \*/
* html .clearfix { height: 1%;}
.clearfix {display: block;}
/* End hide from IE-mac */


/** End Sticky Footer hacks */

body {
	margin:10px 0px 0px 0px;
	background:url(/images/bg.jpg) repeat-x top #99907D;
	font-family:"Trebuchet MS", Arial;
}

form {
	margin:0px;
}
img {
	border:none;
}

h1 {
	color:#545454;
	margin:0px;
	font-weight:normal;
	font-size:28px;
	text-transform:uppercase;
}
h2 {
	font-size:15px;
	color:#545454;
	margin:0px;
}
ul, ol {
	margin:0px 0px 0px 40px;
	padding:0px;
}
li {
	margin:8px 0px 8px 0px;
}
p {
	margin:8px 0px 8px 0px;
}


.logo {
	display:block;
	width:868px;
	margin:10px auto 10px auto;
	padding-left:12px;
}


.wrapper {
	display:block;
	width:878px;
	margin:0px auto 0px auto;
	background-color:#FFFFFF;
	border-top:#FFFFFF 1px solid;
	border-left:#FFFFFF 1px solid;
	border-right:#FFFFFF 1px solid;

}
.container img {
	vertical-align:top;
}



/* navigation area */
.nav {
	display:block;
	width:878px;
	height:34px;
	background-image: url(/images/nav-bg.jpg);
	background-repeat: repeat-x;
}
.nav a {
	display:block;
	float:left;
	height:26px;
	padding:8px 10px 0px 12px;
	font-size:14px;
	background-image:url(/images/divider.jpg);
	background-position:right;
	background-repeat:no-repeat;
	text-transform:uppercase;
	color:#A8A8A8;
	text-decoration:none;
}
.nav .last {
	display:block;
	padding:8px 10px 0px 12px;
	font-size:14px;
	background-image:none;
}
.nav a:hover {
	text-decoration:underline;
}



/* All the Form BG Images */
.form-area {
	display:block;
	width:271px;
	height:165px;
	background-repeat:no-repeat;
	border-top:#CCCCCC 1px solid;
	border-bottom:#FFFFFF 1px solid;
	padding:41px 0px 0px 607px;
	vertical-align:top;
}
.index {
	background-image:url(/images/big-green-couch.jpg);
}
.understanding-the-refinance-process {
	background-image:url(/images/new-house.jpg);
}
.understanding-home-equity-products {
	background-image:url(/images/family-time.jpg);
}
.seven-reasons-to-refinance-your-home-now {
	background-image:url(/images/laughing-at-computer.jpg);
}
.frequently-asked-questions {
	background-image:url(/images/dinner-table.jpg);
}




/* Starts the form */
.form {
	display:block;
	padding:0px 5px 0px 15px;
}


.select-service, .select-property, .select-credit {
   display:table;
}
.labels	{
   display:none;
}
.select-service select, .select-property select, .select-credit select {
	border:#C4C4C4 1px solid !important;
	background-color:#FFFFFF !important;
   	width:172px;
  	font-size:12px;
	padding:3px 0px 3px 4px;
	color:#333333;
	margin:8px 0px 0px 5px;
}


.form .continue-button input {
	margin-top:10px;
	
}



/* Content area with the anchor text colors */

/*.content {padding-bottom:47px;}  /* must be same height as the footer - I'm doing this in the contact class below. - For Sticky Fooder*/

.content {
	display:block;
	color:#666666;
	font-size:14px;
	background-color:#FFFFFF;
	border-top:#E5E4E4 1px solid;
	padding:45px 45px 104px 45px;
	vertical-align:top;
}
.content a {
	color:#A59D8C;
	text-decoration:underline;
}
.content a:hover {
	text-decoration:none;
}



/* Content Form -- Does not have this for payday loan sites. */
.content form {
	float:right;
	width:200px;
	margin:10px 40px 10px 10px;
}



/* Starts Footer */
.footer {
	position: relative;
	margin-top: -104px; /* negative value of footer height */
	height: 104px; 
	clear:both;
} 

#disclosures {
	width:878px;   /* What ever the wrappers width is. */
	margin:0 auto;  /* Centers the text or element */
	height:36px;
	background-image:url(/images/footer-divide.jpg);
	background-position:top center;
	background-repeat:no-repeat;
	text-align:center;
	padding:68px 0px 0px 0px;
	background-color:#FFFFFF;
	font-size:14px;
}
#disclosures ul li {  
  display:inline;
  margin-right:20px;
  color:#898989;
}
#disclosures ul li a {
	color:#898989;
	font-size:14px;
	text-decoration:none;
}
#disclosures ul li a:hover {
	text-decoration:underline;
}