body {
	margin: 0px;
	padding: 0px 0px 0px 0px;
/*	background-color: #E5EEF5;
	background-image: url(img/bg01.gif);*/
	}

.font-12{
	font-size:12px;
	color:#666666;
	letter-spacing:0px;
	line-height:140%;
}

.sub-title{
	font-size:12px;
	color:#004D8E;
	letter-spacing:0px;
	line-height:140%;
	font-weight:bold;
}

.font-14{
	font-size:14px;
	letter-spacing:0px;
	line-height:140%;
}

.font-20{
	font-size:20px;
	letter-spacing:0px;
	line-height:140%;
}
.ref-12{
	font-size:12px;
	color:#333333;
	letter-spacing:0px;
	line-height:120%;
}