body {
  margin: 0;
  padding: 10px;
  background-color: white;
  font-size: 12px;
  font-family: Arial, Helvetica, Verdana, sans-serif;
  color: #330000;
}

#wrapper {
  background-color: white;
  color: #330000;
  margin: 10px 40px 30px 40px;
  padding: 10px;
}

#header .ribbon {
  float: left;
  padding: 0 10px 0 0;
}

#programs .clearone {
  clear: both;
  height: 1px;
  padding: 1em 0 0 0;
}

#programs {
  color: black;
  margin: 10px;
  padding: 10px 0 0 0;
  text-align: left;
  }

#programs h4 {
  background-image: url(../images/yearbg4.jpg);
  background-repeat: no-repeat;
  color: white;
  width: 220px;
  height: 1.5em;
  padding: 0 0 0 0;
  text-align: left;
}


#programs .col1 {
  float: left;
  width: 30%;
  background-color: white;
  padding: 0 0 0 0;
}

#programs .col2 {
  float: left;
  width: 30%;
  background-color: white;
  padding: 0 0 0 0;
}

#programs .col3 {
  float: left;
  background-color: white;
  width: 30%;
  padding: 0 0 0 0;
}

#footer {
  font-size: 10px;
  color: black;
  text-align: right;
  
  
}













/*
*** EXTRA CODE ***
<style type="text/css">
A:link, A:visited, A:active { color: 660000; atext-decoration:none;}
TD { 
font-size:12px;
font-family:verdana; color:330000;
}
BODY {
font-size:12px;
font-family:verdana; color:330000;}
</STYLE>

  font: small Arial, Helvetica, Verdana, sans-serif;

#header .ribbon {
  float: left;
  margin: 0 0 0 0;
  border: 1px solid #b9d2e3;
  padding: 0 10px 0 0;
}



#wrapper {
  background-color: white;
  color: #330000;
  margin: 10px 40px 30px 40px;
  border: 1px solid #b9d2e3;
  padding: 10px;
}



*/