body {
  background-color: #FFF;
  background-image: url(../images/bkg.jpg);
  background-repeat: repeat-x repeat-y; 
  font-family:Helvetica,Arial,Verdana,sans-serif;
  font-size:14px;
  text-align:center;
  padding: 10px 0 0 0;
  min-width: 944px; 

}  

div#centering {
  margin-top: 0;
  margin-bottom: 0;
  padding: 0;
  margin-left: auto;
  margin-right: auto;
  width: 944px; /* 912px plus 15px each for left and right grey areas and 1px each for left and right black borders */
}

#topleft, #bottomleft{
  padding: 0;
  width: 944px;
  height:15px;
  
}
#topmiddle, #bottommiddle{
  height: 14px;
  margin:0 15px;
  background-color: #CCC;
}
#topright, #bottomright{
  display: inline;
  float:right;
  height: 15px;
  margin-right:-15px;
  position: relative;
  margin-top: -1px;
  width: 15px;
}

#topleft{background: url(../images/tl.png) top left no-repeat;}
#topright{background: url(../images/tr.png) top right no-repeat;}
#bottomleft{background: url(../images/bl.png) bottom left no-repeat;position:relative; top: -1px;}
#bottomright{background: url(../images/br.png) bottom right no-repeat;}
#topmiddle { border-top: 1px solid black; }
#bottommiddle{ border-bottom: 1px solid black; }
#main{
  margin-top:-1px;
  border-right: 1px solid black;
  border-left: 1px solid black;
  top:0px;
  background-color: #CCC;
  padding: 0 15px;
  width: 912px;} /* 910px plus 1px each for left and right borders */
#content{  
  border: 1px solid black;
  border-bottom: 2px solid black;
  margin: 0;
  padding:10px;
  background-color: #FFF;
  text-align: center;
  }
#explanation { 
  margin-left: auto;
  margin-right: auto;
  width: 660px;
  display: inline-block;
}
#explanation .example {
  width: 200px;
  margin: 10px;
  padding: 0;
  float: left;
  display: inline;
}
#explanation p {
  color:#463C3C;
  margin: 15px auto;
  padding: 0;
  text-align:left;
  width: 660px;
  font-size: 16px;
}

#explanation .example p {
  color: #000;
  width: 200px;
  margin: 0;
  padding: 0;
  text-align:center;
  font-size:12px;
}
h1 {
  clear: both;
  font-size:35px;
  font-weight:bold;
  line-height:1em;
  padding-bottom:17px;
  color:#0E338E;
}
h1.privacy {
  margin-bottom: -10px;
}
#footer{
  position: relative;
  top: 0px;
  color: #333;
  padding: 20px 0 32px;
  text-align: center;
}
#footer a {
  color: #333;
  text-decoration: none; 
}