* {margin: 0; padding: 0;}
body {color:#000; background:#fff;}
body, div, p, table, tr, td, h1, h2, h3, h4, ul, ol, li, blockquote, pre, label {font:12px/1.2 Verdana, sans-serif; letter-spacing:0;}
a img{border:0px;}
a {color:#000;}
a:hover {text-decoration:none;}
ul, ol {margin-left:1em; padding:1em;}
ul li {padding-bottom:4px; list-style:square;}
ol li {padding-bottom:4px;}
p {padding-bottom:10px}
.fineprint {font-size:10px; color:gray;}
.accent {color:#FF9C09;}
.hidden{position:absolute; left:-1500em;}

/* text formatting */
h1 {font-weight:bold; font-size:16px; padding-bottom:4px;}
h2 {font-weight:bold; font-size:16px;}
h3 {font-weight:bold; font-size:12px;}
h4 {font-weight:bold; font-size:13px;}
h6 {clear:both;}

/*framework*/
#wrapper {width:784px; background:transparent url("http://www.refinance-offers.com/images/bkg.gif") repeat-y 0 0; margin:0 auto; padding:0 20px;}
.column {float:left;}
.container:after {content:"."; display:block; height:0; clear:both; visibility:hidden;}
.container {display:inline-block;} 
*html.container {height:1%;display:block;}/*IE Hack*/

/*middle*/
#content{clear:both; background:transparent url("http://www.refinance-offers.com/images/bkg-sidebar.gif") repeat-y top left;}
#stage {width:524px; padding:10px; background:transparent;}
#sidebar {width:240px; margin:0;}
#bottom {clear:both;}
/*top*/
#logo {width:240px; margin:0; background:pink;}
#menu{background:transparent url("http://www.refinance-offers.com/images/bkg-menu.gif") no-repeat top left; width:240px; height:129px; border-bottom:solid 2px #E6AF38;}
#menu ul {margin-left:40px; padding:5px 0 0 0;}
#menu ul li {padding:7px 0 6px 0; margin:1px 0; list-style:none; background:transparent;}
#menu a{font-weight:bold; color:white; text-decoration:none;}
#banner {background:#808080 url("http://www.refinance-offers.com/images/3.jpg") no-repeat top right; height:244px; width:544px;}
#banner object{float:left;}
#banner p{float:left; background:transparent; width:230px; padding:122px 0 0 55px;}
#banner p img {float:right; background:transparent; padding:10px 10px 0 0;}
/*bottom*/
#footer {font-weight:bold; clear:both; background:#6280B2; width:784px; text-align:center; padding:4px 0; color:white;}



/*sidebar elements*/
.sidefeature {clear:both; border-bottom:dotted 1px gray; padding:20px 10px;}
.sidefeature a{font-size:11px; font-weight:bold; color:#fa0; text-decoration:none;}

#sidebar h3{font-size:11px; color:#fa0;}
#sidebar form {background:transparent url("http://www.refinance-offers.com/images/doc.gif") no-repeat 10px 10px; padding:10px 10px; border-bottom:dotted 1px gray;}
#sidebar form input.searchtxt {font-color:#646464; width:120px; float:left; margin-left:25px;}
#sidebar form input.searchbtn {float:left; padding-left:10px;}
/*footer elements*/
#footer a {font-weight:bold; text-decoration:none;}
#footer a:hover {text-decoration:none;}

/*cta*/
#cta{background:transparent url("") repeat-x 0 0; margin-bottom:10px;}
#cta img{float:left; margin-right:10px; border:solid 1px black;}
#cta h1{color:gray;}
#cta a{font-size:13px; font-weight:bold; color:red; text-decoration:none; padding-top:25px;}


/*iframe*/
#gtl-sidebar {width:206px; padding-left:10px;}
/*stage 30px 0 0 220px */
#gtl {width:557px; height:585px; background:transparent url("") no-repeat 0px 0px;}
#gtl iframe {margin:0 0 0 10px; border:solid 1px gray;}

/*contact form*/
#contactform {padding:20px 0}
#contactform p {clear:both;}
#contactform label {float:left; width:100px; padding-right:10px; text-align:right;}
input.required, input.validemail, input.validphone {width:250px;}
#contactform textarea {width:250px; height:4em;}
.contactbtn {text-align:center; clear:both;}


/*first-step form*/
#gtlbanner{background:transparent url("http://www.refinance-offers.com/images/bkg-cta.jpg") repeat-x 0 0; margin-bottom:10px; padding:20px 40px;}
#gtlbanner select {font-size:9px;}
#gtlbanner h1 {color:#4954A3;}
#gtlbanner h3 {padding-bottom:5px;}
#gtlbanner br {clear:both;}
#gtlmsg {font-size:11px; color:red; float:left;}
.gtlcolumn {float:left; width:250px; font-size:11px;}
.gtlaltcolumn {float:left; width:180px;}
.gtlbutton {text-align:right;}
.radio {width:13px; height:13px;}