body         { font-size: 10pt; line-height: 150% }
h1 {font-size:18pt}
h2 {font-size:14pt}
h3           { font-size: 10pt; color: #800000; font-weight: bold }

td {font-size: 10pt; line-height: 150% }
.ref         { font-size: 12pt; font-weight: bold }