h1           { font-family:  Verdana, Helvetica, sans-serif; font-size: 1.2em; font-style: normal; line-height: 1.2em; font-weight: bold;   color: #0D3D70; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px;  padding-right: 0px; padding-bottom: 0px; padding-left: 0px}
.bodytext    { font-family:  Verdana, Helvetica, sans-serif; font-size:  .8em; font-style: normal; line-height: 1.2em; font-weight: normal; color: #000000; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px;  padding-right: 5px; padding-bottom: 5px; padding-left: 0px}
.bannertext  { font-family:  Verdana, Helvetica, sans-serif; font-size:  .7em; font-style: normal; line-height:   1em; font-weight: normal; color: #FFFFFF; margin-top: 0px; margin-right: 0px; margin-bottom: 5px; margin-left: 0px; padding-top: 80px; padding-right: 0px; padding-bottom: 5px; padding-left: 0px}
.footertext  { font-family:  Verdana, Helvetica, sans-serif; font-size:  .7em; font-style: normal; line-height: 1.8em; font-weight: normal; color: #FFFFFF; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px;  padding-right: 0px; padding-bottom: 0px; padding-left: 0px}
.menudivider { font-family:  Verdana, Helvetica, sans-serif; font-size: 1.1em; font-style: normal; line-height: 1.1em; font-weight: normal; color: #0D3D70; margin-top: 0px; margin-right: 0px; margin-bottom: 5px; margin-left: 0px; padding-top: 0px;  padding-right: 0px; padding-bottom: 5px; padding-left: 0px}

a:link       { font-family:  Verdana, Helvetica, sans-serif; line-height: 1.1em; text-decoration : none; color: #0D3D70; }
a:visited    { font-family:  Verdana, Helvetica, sans-serif; line-height: 1.1em; text-decoration : none; color: #0D3D70; }
a:active     { font-family:  Verdana, Helvetica, sans-serif; line-height: 1.1em; text-decoration : none; color: #0D3D70; }
a:hover      { font-family:  Verdana, Helvetica, sans-serif; line-height: 1.1em; text-decoration : underline; color: #0D3D70;}

a.menu:link    {font-size: .8em; color: #000000; text-decoration: none}
a.menu:visited {font-size: .8em; color: #000000; text-decoration: none}
a.menu:hover   {font-size: .8em; color: #6F74DD; text-decoration: underline}

a.bannertext:link    { font-family:  Verdana, Helvetica, sans-serif; font-size: 1em; line-height: 1.1em; text-decoration : none; color: #FFFFFF; }
a.bannertext:visited { font-family:  Verdana, Helvetica, sans-serif; font-size: 1em; line-height: 1.1em; text-decoration : none; color: #FFFFFF; }
a.bannertext:active  { font-family:  Verdana, Helvetica, sans-serif; font-size: 1em; line-height: 1.1em; text-decoration : none; color: #FFFFFF; }
a.bannertext:hover   { font-family:  Verdana, Helvetica, sans-serif; font-size: 1em; line-height: 1.1em; text-decoration : underline; color: #FFFFFF; }

ul {
	font-size : .8em;
	margin-left : 0px;
	margin-bottom : 15px;
	margin-top : 10px;
	line-height: 13pt; 
	margin-right: 0px; 
	padding-top: 0px; 
	padding-right: 0px; 
	padding-bottom: 0px; 
	padding-left: 0px; 
	list-style-position: inside; 
	font-family: Verdana, Helvetica, sans-serif;
	color: #000000
}
li {  
	font-family: Verdana, Helvetica, sans-serif;
	font-size : 1em;
 	color: #000000; 
	margin-top: 0px; 
	margin-right: 0px; 
	margin-bottom: 5px; 
	margin-left: 25px; 
	padding-top: 0px; 
	padding-right: 0px; 
	padding-bottom: 0px; 
	padding-left: 0px; 
	list-style-position: outside;
}

a.footerlink:link    {font-size: 1em; color: #FFFFFF; text-decoration: none}
a.footerlink:visited {font-size: 1em; color: #FFFFFF; text-decoration: none}
a.footerlink:hover   {font-size: 1em; color: #FFFFFF; text-decoration: underline}


.test {
    position:relative; /*this is the key*/
    z-index:24; 
    color:#000;
    cursor:help;
    text-decoration:none}

.test:hover{z-index:25; background-color:#99F}

.test span{display: none}

.test:hover span{ /*the span will display just on :hover state*/
    display:block;
    position:absolute;
    top:16px; left:3em; width:50em;
    border:2px solid #66A;
    padding:5px;
    font-size:.8em;
    line-height: 1em;
    background-color:#ccf; color:#000;}