body {
margin-top:0px;
	font-family: Arial, Helvetica, Sans-Serif;
	background-image:url(bg.jpg);
	background-color:#000000; 
	background-repeat:no-repeat;
	background-position:top center;
	color: #000000;
	}


.centrcol{ padding: 10px 100px 10px 10px; font-size:12px; text-align:justify}
.heading{ color:#000099; font-weight:bold}