IMG {
  border: 0px;
}

#header {
  position: relative;
  height: 196px;
  background: url(/images/header.jpg) top center no-repeat;
}

#header H2 A {
  display: block;
  position: absolute;
  top: 10px;
  left: 10px;
  height: 70px;
  width: 280px;
  text-indent: -9999px;
}

#header H3,
#header H4 {
  text-indent: -9999px;
}

#top-nav {
  position: absolute;
  top: 57px;
  left: 290px;
  list-style: none;
  margin: 0px;
  padding: 0px;
}

#top-nav LI {
  display: block;
  float: left;
}

#top-nav LI A {
  display: block;
  float: left;
  height: 31px;
  text-indent: -9999px;
}

#top-nav #home-link {
  background: url(/images/nav/home.gif);
}

#top-nav #home-link A {
  width: 90px;
}

#top-nav #home-link A:hover {
  background-image: url(/images/nav/on/home.gif);
}

#top-nav #borrowers-link {
  background: url(/images/nav/borrowers-login.gif);
}

#top-nav #borrowers-link A {
  width: 118px;
}

#top-nav #borrowers-link A:hover {
  background-image: url(/images/nav/on/borrowers-login.gif);
}

#top-nav #partners-link {
  background: url(/images/nav/partners-login.gif);
}

#top-nav #partners-link A {
  width: 105px;
}

#top-nav #partners-link A:hover {
  background-image: url(/images/nav/on/partners-login.gif);
}

#main {
  position: relative;
}

#content H1 {
  line-height: 20px;
}

#content H1 SPAN {
  display: block;
  font-size: 14px;
  font-family: arial, helvetica sans-serif;
  font-variant: normal;
  font-weight: normal;
  margin-top: 10px;
}

#submain #menu-2 {
  background: url(/images/spinnaker-financial_20.gif) 607px 0px no-repeat;
  padding: 0px;
  margin: 0px;
  height: 23px;
}

#top-menu {
  margin: 0px;
  background: url(/images/spinnaker-financial_15.gif) top left no-repeat;
  padding-left: 173px;
  height: 24px;
}

#top-menu LI {
  display: inline;
}

#top-menu LI {
  display: inline;
  display: block;
  float: left;
}

#top-menu LI {
  height: 24px;
  width: 115px;
  display: block;
  float: left;
  background: transparent;
  text-indent: -9999px;
  background-image: url(/images/nav/purchase.gif);
}

#top-menu LI A {
  display: block;
  height: 24px;
}

#top-menu LI A:hover {
  background-image: url(/images/nav/on/purchase.gif);
}

#top-menu #refinance-link {
  background: url(/images/nav/refinance.gif);
}

#top-menu #refinance-link {
    width: 96px;
}

#top-menu #refinance-link A:hover {
  background-image: url(/images/nav/on/refinance.gif);
}

#top-menu #home-equity-link {
  background: url(/images/nav/home-equity.gif);
}

#top-menu #home-equity-link A {
  width: 115px;
}

#top-menu #home-equity-link A:hover {
  background-image: url(/images/nav/on/home-equity.gif);
}

#top-menu #apply-now-link {
  background: url(/images/nav/apply-now.gif);
    width: 108px;
}

#top-menu #apply-now-link A:hover {
  background-image: url(/images/nav/on/apply-now.gif);
}

#top-menu #blog-link {
  background: url(/images/nav/blog.gif);
  width: 70px;
}

#top-menu #blog-link A {
    width: 70px;
}

#top-menu #blog-link A:hover {
  background-image: url(/images/nav/on/blog-on.gif);
}

#top-nav LI {
  padding: 0px;
  margin-top: -3px;
  margin-bottom: -3px; 
}




#left_column H3 {
  background: url(/images/nav/loan-programs.gif) top left no-repeat;
  height: 36px;
  text-indent: -9999px;
  margin: 0px;
}

#loan-tools H3 {
  background-image: url(/images/nav/loan-tools.gif);
}

#quick-links H3 {
  background-image: url(/images/nav/quick-links.gif);
}

#left_column UL {
  list-style: none;
  margin: 0px;
  padding: 0px;
  background: url(/images/nav/list-bottom.gif) bottom center no-repeat;
  padding-bottom: 15px;
}

#quick-links UL {
  padding-bottom: 90px;
  background: url(/images/nav/list-bottom-2.gif) bottom center no-repeat;
}

#left_column LI A {
  background: url(/images/nav/purchase2.gif) top left no-repeat;
  display: block;
  text-indent: -9999px;
  height: 24px;
}

#left_column LI A:hover {
  background-image: url(/images/nav/on/purchase2.gif);
}

#left_column #refinance2-link A {
  background-image: url(/images/nav/refinance2.gif);
}

#left_column #construction-link A {
  background-image: url(/images/nav/construction.gif);
}

#left_column #home-equity-link A {
  background-image: url(/images/nav/home-equity2.gif);
}

#left_column #todays-rates-link A {
  background-image: url(/images/nav/todays-rates.gif);
}

#left_column #payment-calculator-link A {
  background-image: url(/images/nav/payment-calculator.gif);
}

#left_column #refinance2-link A {
  background-image: url(/images/nav/refinance2.gif);
}

#left_column #home-loan-program-link A {
  background-image: url(/images/nav/home-loan-programs.gif);
}

#left_column #credit-tips-link A {
  background-image: url(/images/nav/credit-tips.gif);
}

#left_column #local-partners-link A {
  background-image: url(/images/nav/local-partners.gif);
}

#left_column #meet-staff-link A {
  background-image: url(/images/nav/meet-our-staff.gif);
}

#left_column #local-info-link A {
  background-image: url(/images/nav/local-info.gif);
}

#left_column #testimonials-link A {
  background-image: url(/images/nav/testimonials.gif);
}

#left_column #contact-us-link A {
  background-image: url(/images/nav/contact-us.gif);
}

#left_column #refinance2-link A:hover {
  background-image: url(/images/nav/on/refinance2.gif);
}

#left_column #construction-link A:hover {
  background-image: url(/images/nav/on/construction.gif);
}

#left_column #home-equity-link A:hover {
  background-image: url(/images/nav/on/home-equity2.gif);
}

#left_column #todays-rates-link A:hover {
  background-image: url(/images/nav/on/todays-rates.gif);
}

#left_column #payment-calculator-link A:hover {
  background-image: url(/images/nav/on/payment-calculator.gif);
}

#left_column #home-loan-program-link A:hover {
  background-image: url(/images/nav/on/home-loan-programs.gif);
}

#left_column #credit-tips-link A:hover {
  background-image: url(/images/nav/on/credit-tips.gif);
}

#left_column #local-partners-link A:hover {
  background-image: url(/images/nav/on/local-partners.gif);
}

#left_column #meet-staff-link A:hover {
  background-image: url(/images/nav/on/meet-our-staff.gif);
}

#left_column #local-info-link A:hover {
  background-image: url(/images/nav/on/local-info.gif);
}

#left_column #testimonials-link A:hover {
  background-image: url(/images/nav/on/testimonials.gif);
}

#left_column #contact-us-link A:hover {
  background-image: url(/images/nav/on/contact-us.gif);
}


#content H1 {
  text-align: center;
  margin-top: -30px;
  font-family: "times new roman", times, serif;
  font-size: 20px;
  font-variant: small-caps;
}

#footer {
  background: url(/images/footer-bg.gif) top;
  height: 42px;
  margin: 0px;
  padding: 0px;
  top: -10px;
}

#footer UL {
  padding-top: 10px;
  display: table;
  margin: 0px auto;
}

#footer LI {
  list-style: none;
  display: inline;
}

#footer LI A {
  color: #000;
  border-left: 1px solid #000;
  padding: 0px 5px;
  float: left;
  font-size: 10px;
}

#footer #home-link A {
  border-left: 0px none;
}


#byline {
  position: relative;
}

#byline H2 {
  position: absolute;
  top: -5px;
  right: 10px;
  font-weight: normal;  
}

#physical-address {
  top: 20px;
  position: relative;
  display: block;
  clear: both;
}

#physical-address STRONG {
  display: block;
  font-size: 12px;
}

#submain ADDRESS {
  text-align: center;
}


#bottom_row {
  position: relative;
}

#facebook-like {
  position: absolute;
  top: 14px;
  left: 250px;
  z-index: 999;
}