.text           { color: #323232; font-size: 12px; font-family: Verdana; line-height: 18px ; margin: 0 0 12px; }
.textbullet { color: #323232; font-size: 12px; font-family: Verdana; line-height: 18px; margin: 0; padding: 0 0 0 -20px; list-style-position: outside; }
.text14 { color: #5d2124; font-size: 14px; font-family: Verdana; font-weight: bold; line-height: 20px; margin: 0 0 12px; }
a { color: #0169a0; text-decoration: none   }
a:hover  { color: #0169a0; text-decoration: underline; }