body		
{
	margin:0%;
		padding:0%;
		font-family:Arial;
		background:White;
		color:black;
		link:blue;
		vlink:purple;
		}

***

<!-- body-full eliminates the title-frame and starts 1px from the top -->
#body-full
		{
		left:0%;
		width:99%;
		top:0px;
		height:520px;
		font-size:16px;
		font-family:Arial;
		background:white;
		color:black;
		link:blue;
		vlink:purple;
		text-align:justify;
		}

<!-- This frame sets up a header band with 24 point header text -->
#TitleFrame
		{background:blue;
		font-size:30px;
		font-family:Arial;
		color:white;
		padding:0px 0 0px 0;
		text-align:center;
		height:36px;
		font-weight:bold;
		}
		
<!-- body-frame -->
#body-frame
		{
		left:0%;
		width:99%;
		top:50px;
		height:478px;
		font-size:16px;
		font-family:Arial;
		background:white;
		color:black;
		link:blue;
		vlink:purple;
		text-align:justify;
		}

#footer
		{text-align:center;
		text-decoration:underline overline;
		font-size:small;
		top:520;
		}

<div id="footer" style="text-align:center;">
&copy 2013 American Council of the Blind of Ohio, all rights reserved
</div>