BODY { SCROLLBAR-ARROW-COLOR: #9D8776; SCROLLBAR-TRACK-COLOR: #9D8776; SCROLLBAR-BASE-COLOR: #DAC6AF}
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.link4 {  font-family: "Times New Roman", Times, serif; font-size: 12px; color: #0000FF; text-decoration: none}
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.hd4 {  font-family: "Times New Roman", Times, serif; font-size: 14px; font-weight: bold; color: #000000; text-decoration: underline}
a:hover {  text-decoration: underline}
.hd5 {  font-family: Arial, Helvetica, sans-serif; font-size: 16px; font-weight: bold; color: 072f6a; text-decoration: none}
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.hd8 {  font-family: "Times New Roman", Times, serif; font-size: 18px; font-weight: bold; color: #072f6a; text-decoration: none}
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.text4 {  font-family: Arial, Helvetica, sans-serif; font-size: 10px; color: #990000}