#nav-bg {
	margin: 0 auto;	
	padding: 0;
	text-align: center;
	width: 770px;
	height: 73px;
	background: url(../images/bg-nav.jpg) top left no-repeat;
	overflow: hidden;
}
	
	#nav {
		position: relative;
		height: 70px;
		width: 720px;
		margin: 0 auto;	
		padding: 0;
		text-align: center;
		background-color: #807466;
	}

	#nav li ul, #nav li ul {
		margin: 0;
		padding: 0;
	}

	#nav a {
		text-decoration: none;
	}

	#nav li { /*float the main list items*/
		margin: 0;
		float: left;
		display: block;
	}

	#nav li ul {
		display: none;
		text-decoration: none;
	}

	#nav li.off ul, #nav li.on ul  { /*put the subnav below*/
		position: absolute;
		top: 44px;
		left: 0;
		padding: 5px 0;
		background: #807466;
		height: 16px;
		width: 695px;
		padding-left: 25px;	
	}

	#nav li.on ul {
		/*background: #807466;*/
		
	}

	#nav li.on:hover ul, #nav li.over ul { /*for ie*/
		/*background: #807466;*/
	}

	#nav li a {
		color: #807466;
		font-weight: bold;
		display: block;
		padding: 0;
		
	}

	#nav li.on a {
		color: #D6B140;
	}

	#nav li.on ul a, #nav li.off ul a {
		border: 0;
		float: left; /*ie doesn't inherit the float*/
		color: #D6B140;
		width: auto;
		padding-right: 15px;
		padding-left: 3px;
	}

	#nav li.on:hover ul a, #nav li.over ul li a { /*for ie - the specificity is necessary*/
		background: #807466;
	}

	#nav li.on ul {
		display: block;
	}

	#nav li.off:hover ul, #nav li.over ul {
		display: block;
		z-index: 6000;
	}

	#nav li.off a:hover, #nav li.on a:hover { 
		color: #D6B140;
	}

	/*do the image replacement*/

	#nav li span {
		position: absolute;
		left: -9384px;
	}

	#index a, #investments a, #insurance a, #mortgages a, #links a, #contact a {
		display: block;
		position: relative;
		height: 44px;
	} 

/*first, put the initial states in place*/

#index a {
	background: url(../images/nav-images/about-us.gif);
	width: 111px;
}

#investments a {
	background: url(../images/nav-images/investments.gif);
	width: 122px;
}

#insurance a {
	background: url(../images/nav-images/insurance.gif);
	width: 105px;
}

#mortgages a {
	background: url(../images/nav-images/mortgages.gif);
	width: 106px;
}

#links a {
	background: url(../images/nav-images/links-resources.gif);
	width: 157px
}

#contact a {
	background: url(../images/nav-images/contact-us.gif);
	width: 119px;
}

/*active area - for this demo - the code could be based on a body class, and probably work better.*/

  #index.on a, #investments.on a, #insurance.on a, #mortgages.on a, #links.on a, #contact.on a {
 	background-position: 0 -44px;
 } /*add selectors for the other li's and background-positions*/

/*hover states*/

#index a:hover, #index:hover a, #index.over a {
	background-position: 0 -44px;
}

#investments a:hover, #investments:hover a, #investments.over a {
	background-position: 0 -44px;
}

#insurance a:hover, #insurance:hover a, #insurance.over a {
	background-position: 0 -44px;
}

#mortgages a:hover, #mortgages:hover a, #mortgages.over a {
	background-position: 0 -44px;
}

#links a:hover, #links:hover a, #links.over a {
	background-position: 0 -44px;
}

#contact a:hover, #contact:hover a, #contact.over a {
	background-position: 0 -44px;
}

/*subnav formatting*/

#nav li.off ul a, #nav li.on ul a {
	display: block;
	color: #fff;
	font-family: arial, verdana, sans-serif;
	font-size: small;
	height: 16px;
	font-size:12px;
}		

#nav li.on ul a {
	background: #807466;
}

/*.special_class {
	margin: 0;
	padding: 0;
	border-top: 2px solid #8B0000;
}*/

li.special_class {
	z-index: 10px;
	margin: 0;
	padding:0 16px;
	width: 16px;
	background: url(../images/new-icon.gif)
}