body {
  margin-left: 5%; 
  margin-right: 5%; 
  font-size: 12pt; 
  font-family: Verdana; 
  background: #a7acbb
  text-decoration: none;
}

H1,H2,H3 { 
  border-style: solid;
  border-color: #CCCC99;
  border-bottom-width: 1px;
  border-right-width: 1px
}

p.refer { 
  border-style: solid;
  border-color: #CCCC99;
  border-bottom-width: 1px;
  border-right-width: 1px
}

em {
  color: #FF0000; 
  font-family: Courier; 
  font-style: none 
}

a:link {
  color: #fffafa;
  text-decoration: none;
}

a:visited {
  color: #dcdcdc;
  text-decoration: none;
}

div.refer {
  border-style: solid;
  border-color: #CCCC99;
  border-top-width: 1px;
  border-left-width: 1px
}