#wrap{margin:0 auto;width:523px;}

div { font-family: arial, helvetica, sans-serif;
							line-height: 1.3em;
							font-size: 11px;
       color: 000000 }
       
div.disclaimer { font-family: arial, helvetica, sans-serif;
       line-height: 1.3em;
       font-size: 9px;
       margin: 16px 0 0 16px;
        color: 000000 }
        
.pandt {
	margin: 0;
	padding: 0 40px 0 0;
	float: right;
	font-size: 9px;
	color: black;
}


ul {margin: 0 0 0 15px; padding: 0;}
li { margin: 0; padding: 0;}

.disclaimer p {
	margin: 0;
	padding: 20px 0 0 0;
	font-family: Verdana, Arial, Helvetica, sans-serif;
	font-size: 10px;
}