body {font-family: Book Antiqua, Garamond, Times, serif; font-size: 11pt;
        margin-left: 3%; margin-right: 2%; bgcolor: #ffffff;}
h1   {font-size: 167%; margin-top: .1em; margin-bottom: .3em; }
h2   {font-size: 140%; margin-top: .6em; margin-bottom: .2em; }
h3   {font-size: 120%; margin-top: .75em; margin-bottom: .1em; }
h4   {font-size: 100%; margin-top: .1em; margin-bottom: .1em; }
h1, h2, h3, h4, b  {font-weight: bolder;}
p, ul, ol, dl, table 
     {line-height: 120%; margin-top: .4em; margin-bottom: .4em;}