body {
background-color: white;
background-image: url(back.gif);
color: black
}


BODY 
{ 
SCROLLBAR-FACE-COLOR: navy;
SCROLLBAR-HIGHLIGHT-COLOR: gray;
SCROLLBAR-SHADOW-COLOR: gray;
SCROLLBAR-3DLIGHT-COLOR: gray;
SCROLLBAR-ARROW-COLOR: white;
SCROLLBAR-TRACK-COLOR: navy;
SCROLLBAR-DARKSHADOW-COLOR: gray;
SCROLLBAR-BASE-COLOR: navy 
} 

body, p, div, span, th, td { font-family: tahoma, sans serif } 
a:link {text-decoration: none; color: navy;} 
a:active {text-decoration: none; color: navy;}
a:visited {text-decoration: none; color: navy;} 
a:hover {text-decoration: underline; color: blue }