body, td, div
{    margin: 0px;    
     margin-top: 0px;
     margin-bottom: 0px; 
     padding: 0px 0px 0px 0px ;    
     color: #000000;    
     border: 0px;
     font-family: Arial, Helvetica, Verdana, sans-serif;
     font-size: 14px;
}

td, div 
{    text-align: left;
     vertical-align: top;
}

.zenter
{    
     vertical-align: middle;
}

.logo
{    text-align: right;
     vertical-align: bottom;
}

.nav
{    text-align: left;
     align: left;
     vertical-align: bottom;
}

.heading
{    background-color: #48dbfa;
}

.red
{    color: #fa1800;
}

.text 
{    font-size: 12px;
     vertical-align: top;
}

img 
{    border: 0px;
}

a, a:visited
{    text-decoration: none;
     color: #000;
}
a:hover, a:active
{    text-decoration: none;
     color: #48dbfa;
}