DIV.text {
   background-image: url(tile_parchment.jpg); 
   background-repeat: repeat; 
   margin: 0 auto;
   width:780;
   z-index:2;
   padding:0px;
   border:0;
   text-align:left;
   font-family:"Souvenir Light BT","Book Antiqua","Bookman Old Style","serif";
   font-size:11pt;
   font-height:11pt;
   color:#000000;
   }

P {
   font-family:"Souvenir Light BT","Book Antiqua","Bookman Old Style","serif";
   font-size:11pt;
   font-height:11pt;
   margin-left:10px;
   margin-right:10px;

   }

DIV.content {
   background-image: url(tile_black_marble.jpg); 
   background-repeat: repeat; 
   margin: 0 auto;
   width:780;
   z-index:1;
   padding:0px;
   border:0;
   text-align:left;
      }

P.header {
   font-family:"Souvenir Light BT","Book Antiqua","Bookman Old Style","serif";
   font-size:12pt;
   font-height:12pt;
   font-variant:small-caps;
   margin-left:10px;
   margin-right:10px;
   font-weight:bold;
   line-height:100%;
   color:#FFFFFF;
   }

P.centered {
    margin-left: auto;
    margin-right: auto;
    width: 30em
}   

IMG.centered {
    display: block;
    margin-left: auto;
    margin-right: auto;
    }