Mortgage Qualification Versus Mortgage = Pre-Approval

From: Subject: Mortgage Qualification Versus Mortgage Pre-Approval Date: Sun, 19 Apr 2009 19:06:33 -0700 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01C9C121.F4AF9900" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.3350 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01C9C121.F4AF9900 Content-Type: text/html; charset="Windows-1252" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.mtgprofessor.com/A%20-%20Qualifying/qualification_versus_approval.htm Mortgage Qualification Versus Mortgage = Pre-Approval =

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  =20 Upfront=
   = Mortgage
  =20 Brokers

Fixe= d-Markup=20 Lender

Upfront=
Mortgage=20 Lenders

Table=20 of Contents

Glossary

Tutorials

Mistakes
to=20 Avoid

House
=20 Shoppers

House
Purchasers

House
=20 Owners

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Spreadsheets

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Public=20 Policy

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April 5, 1999, = Revised June=20 6, 2006

"If we shop = around for a=20 mortgage and become qualified, is there a time limit on how long = we can=20 hold the lender to the=20 qualification?"

Lenders do not = commit=20 themselves to anything when they qualify a potential borrower. = Hence,=20 there is nothing to hold them to.

What Is a=20 "Qualification"?

Qualification (or = "pre-qualification" as it is often called) is simply an opinion = by a=20 lender (or someone else) that based on information you have = provided=20 covering your income, assets, and debts, and given current = market=20 interest rates, you qualify for a loan of some specified amount. = If any=20 of the information you provide turns out to be different, or if = interest=20 rates increase, the opinion is subject to revision.=20

The=20 opinion also assumes that your credit is satisfactory. If that = turns out=20 not to be the case, the qualification will be=20 withdrawn.

What Is a=20 Pre-Approval?

You may be = thinking of a=20 "pre-approval", which is designed to make it easier to shop for = a house,=20 and does involve a commitment by the lender to make a loan prior = to the=20 identification of a specific property. On a pre-approval, unlike = a=20 pre-qualification, the lender verifies the information you = provide and=20 has checked your credit.

The lender's = commitment=20 under a pre-approval, however, probably will be expressed in = terms of a=20 monthly mortgage payment rather than a loan amount. Since the = interest=20 rate is not known at the time the pre-approval is granted, = lenders are=20 reluctant to commit to a specific loan amount for fear that a = rate=20 increase would increase the monthly mortgage payment to an = unacceptable=20 level relative to the applicant's income. If this were to = happen, the=20 loan amount corresponding to the approved monthly payment would = drop,=20 and the applicant would either have to increase the down payment = or buy=20 a less costly house. This is why a pre-approval has limited=20 value.

To convert the = monthly=20 mortgage payment in a pre-approval into an approved loan amount, = the=20 interest rate must be fixed. For this you need a rate lock = commitment=20 from the lender, which will specify the rate, points, = loan-to-value=20 ratio and other features of the transaction. A rate lock is not = usually=20 given until you submit a complete application, and it may = require paying=20 a fee.

Copyright Jack = Guttentag=20 = 2006

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collapse } .ms-descriptiontext { COLOR: #663300; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-descriptiontext A { COLOR: #990066; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-discussionseparator { COLOR: #003399; HEIGHT: 1px } .ms-discussiontitle { FONT-WEIGHT: bold; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica } .ms-dpday { BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium = none; CURSOR: hand; BORDER-BOTTOM: medium none; TEXT-ALIGN: center } .ms-dpdow { BORDER-RIGHT: medium none; BORDER-TOP: medium none; FONT-WEIGHT: bold; = VERTICAL-ALIGN: top; BORDER-LEFT: medium none; COLOR: #663300; = BORDER-BOTTOM: #ccff66 1px solid; TEXT-ALIGN: center } .ms-dpfoot { BORDER-RIGHT: medium none; BORDER-TOP: 1px solid; BORDER-LEFT: medium = none; BORDER-BOTTOM: medium none; FONT-STYLE: italic; HEIGHT: 24px; = TEXT-ALIGN: center } .ms-dphead { BORDER-RIGHT: medium none; BORDER-TOP: medium none; FONT-WEIGHT: bold; = BORDER-LEFT: medium none; COLOR: #663300; BORDER-BOTTOM: medium none; = BACKGROUND-COLOR: #a4a4a4; TEXT-ALIGN: center } .ms-dpnextprev { BORDER-RIGHT: medium none; BORDER-TOP: medium none; FONT-WEIGHT: bold; = BORDER-LEFT: medium none; CURSOR: hand; COLOR: #663300; BORDER-BOTTOM: = medium none; BACKGROUND-COLOR: #a4a4a4; TEXT-ALIGN: center } .ms-dpnonmonth { BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium = none; CURSOR: hand; COLOR: #bbbbbb; BORDER-BOTTOM: medium none; = TEXT-ALIGN: center } .ms-dpselectedday { BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium = none; CURSOR: hand; BORDER-BOTTOM: medium none; BACKGROUND-COLOR: = #cacac9; TEXT-ALIGN: center } .ms-error { FONT-WEIGHT: normal; COLOR: #db6751; FONT-FAMILY: trebuchet = ms,arial,helvetica } .ms-filedialog TD { HEIGHT: 16px } .ms-firstcalhour { VERTICAL-ALIGN: top; WIDTH: 10%; HEIGHT: 12px } .ms-formbody { VERTICAL-ALIGN: top; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica } .ms-formdescription { COLOR: #808080; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-formdescription A { COLOR: #990066; TEXT-DECORATION: none } .ms-formlabel { FONT-WEIGHT: normal; FONT-SIZE: 0.7em; COLOR: #808080; FONT-FAMILY: = verdana } .ms-formrecurrence { FONT-WEIGHT: normal; VERTICAL-ALIGN: top; FONT-FAMILY: trebuchet = ms,arial,helvetica } .ms-formtable .ms-formbody { LINE-HEIGHT: 1.3em } .ms-gb { FONT-WEIGHT: bold; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica; HEIGHT: 18px; BACKGROUND-COLOR: #cacac9 } .ms-gridt1 { COLOR: #bbbbbb; FONT-FAMILY: trebuchet ms,arial,helvetica; TEXT-ALIGN: = center } .ms-gridtext { CURSOR: default; FONT-FAMILY: trebuchet ms,arial,helvetica; HEIGHT: = 19px } .ms-highlight { BACKGROUND-COLOR: #000000 } .ms-homepagetitle { FONT-WEIGHT: bold; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica; TEXT-DECORATION: none } .ms-homepagetitle:hover { COLOR: #990066; TEXT-DECORATION: underline } .ms-hovercellactive { BORDER-RIGHT: #990066 1px solid; BORDER-TOP: #990066 1px solid; = BORDER-LEFT: #990066 1px solid; BORDER-BOTTOM: #990066 1px solid; = BACKGROUND-COLOR: #a4a4a4 } .ms-hovercellactivedark { BORDER-RIGHT: #003399 1px solid; BORDER-TOP: #003399 1px solid; = BORDER-LEFT: #003399 1px solid; BORDER-BOTTOM: #003399 1px solid; = BACKGROUND-COLOR: #cacac9 } .ms-imglibmenu { CURSOR: hand; COLOR: #990066; FONT-FAMILY: trebuchet = ms,arial,helvetica; BACKGROUND-COLOR: #cacac9 } .ms-imglibmenuarea { BACKGROUND-COLOR: #cacac9 } .ms-imglibmenuhead { CURSOR: move } .ms-imglibmenutext { FONT-WEIGHT: bold; CURSOR: move; COLOR: #990066 } .ms-imglibthumbnail { BORDER-RIGHT: #a4a4a4 0px solid; BORDER-TOP: #a4a4a4 0px solid; = BORDER-LEFT: #a4a4a4 0px solid; BORDER-BOTTOM: #a4a4a4 0px solid; = BACKGROUND-COLOR: #cacac9 } .ms-itemheader A { FONT-WEIGHT: bold; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica; TEXT-DECORATION: none } .ms-itemheader A:hover { COLOR: #663300; TEXT-DECORATION: underline } .ms-itemheader A:visited { COLOR: #663300; TEXT-DECORATION: none } .ms-itemheader A:hover:visited { TEXT-DECORATION: underline } .ms-long { WIDTH: 386px; FONT-FAMILY: Arial,Helvetica,sans-serif } .ms-main { BORDER-LEFT-COLOR: #003399; BORDER-BOTTOM-COLOR: #003399; = BORDER-TOP-COLOR: #003399; BORDER-RIGHT-COLOR: #003399 } .ms-menuimagecell { CURSOR: hand; BACKGROUND-COLOR: #cacac9 } .ms-mwsinstantiated A:hover { COLOR: #ffcc00; TEXT-DECORATION: underline } .ms-mwsinstantiated A:link { COLOR: #990066; TEXT-DECORATION: none } .ms-mwsinstantiated A:visited { COLOR: #990066; TEXT-DECORATION: none } .ms-mwsselectedinstance { COLOR: #663300; TEXT-DECORATION: none } .ms-mwsuninstantiated A:hover { COLOR: #990066; TEXT-DECORATION: underline } .ms-mwsuninstantiated A:link { COLOR: #990066; TEXT-DECORATION: none } .ms-mwsuninstantiated A:visited { COLOR: #990066; TEXT-DECORATION: none } .ms-nav .ms-navwatermark { COLOR: #d9d9d9 } .ms-nav A { FONT-WEIGHT: normal; COLOR: #990066; FONT-FAMILY: trebuchet = ms,arial,helvetica; TEXT-DECORATION: none } .ms-nav A:hover { COLOR: #ffcc00; TEXT-DECORATION: underline } .ms-nav A:link { =09 } .ms-nav A:visited { COLOR: #990066 } .ms-nav TD { FONT-WEIGHT: normal; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica } .ms-nav TD { FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-nav .ms-spzonelabel { FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-input { FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-nav TH { FONT-WEIGHT: normal; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica } .ms-navframe { BORDER-LEFT-COLOR: #cacac9; BACKGROUND: #cacac9; BORDER-BOTTOM-COLOR: = #cacac9; BORDER-TOP-COLOR: #cacac9; BORDER-RIGHT-COLOR: #cacac9 } .ms-navheader A { FONT-WEIGHT: bold } .ms-navheader A:link { FONT-WEIGHT: bold } .ms-navheader A:visited { FONT-WEIGHT: bold } .ms-navline { BORDER-BOTTOM: #003399 1px solid } .ms-pagecaption { COLOR: #ffffff; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-pageheaderdate { COLOR: #663300; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-pageheadergreeting { COLOR: #663300; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-pagetitle { FONT-WEIGHT: bold; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica } .ms-pagetitle A { COLOR: #990066; TEXT-DECORATION: none } .ms-pagetitle A:hover { COLOR: #ffcc00; TEXT-DECORATION: underline } .ms-partline { BACKGROUND-COLOR: #ccff66 } .ms-partspacingvertical { PADDING-TOP: 10px } .ms-partspacinghorizontal { PADDING-TOP: 10px } .ms-propertysheet { FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-propertysheet A { COLOR: #990066; TEXT-DECORATION: none } .ms-propertysheet A:hover { COLOR: #ffcc00; TEXT-DECORATION: underline } .ms-propertysheet A:visited { COLOR: #cc6633; TEXT-DECORATION: none } .ms-propertysheet A:hover:visited { TEXT-DECORATION: underline } .ms-propertysheet TH { FONT-WEIGHT: bold; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica } .ms-propgridbuilderbutton { BORDER-RIGHT: #cc3333 1px solid; BORDER-TOP: #cc3333 1px solid; = DISPLAY: none; BORDER-LEFT: #cc3333 1px solid; WIDTH: 16px; = BORDER-BOTTOM: #cc3333 1px solid; BACKGROUND-COLOR: #a4a4a4 } .ms-radiotext { FONT-SIZE: 10pt; CURSOR: default; FONT-FAMILY: verdana; HEIGHT: 19px; = TEXT-ALIGN: left } .ms-rtapplybackground { BORDER-RIGHT: #cc3333 0.02cm solid; BORDER-TOP: #cc3333 0.02cm solid; = BORDER-LEFT: #cc3333 0.02cm solid; BORDER-BOTTOM: #cc3333 0.02cm solid; = BACKGROUND-COLOR: #990066 } .ms-rtremovebackground { BORDER-RIGHT: #ffffff 0.02cm solid; BORDER-TOP: #ffffff 0.02cm solid; = BORDER-LEFT: #ffffff 0.02cm solid; BORDER-BOTTOM: #ffffff 0.02cm solid; = BACKGROUND-COLOR: transparent } .ms-rttoolbardefaultstyle { FONT-WEIGHT: normal; FONT-SIZE: 8pt; FONT-STYLE: normal; FONT-FAMILY: = trebuchet ms, arial, helvetica; FONT-VARIANT: normal } .ms-searchcorner { BACKGROUND-IMAGE: none; BACKGROUND-COLOR: #003399 } .ms-searchform { BACKGROUND-COLOR: #003399 } .ms-sectionheader { FONT-WEIGHT: bold; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica } .ms-sectionheader A { COLOR: #663300; TEXT-DECORATION: none } .ms-sectionheader A:hover { COLOR: #663300; TEXT-DECORATION: none } .ms-sectionheader A:visited { COLOR: #663300; TEXT-DECORATION: none } .ms-sectionline { BACKGROUND-COLOR: #ccff66 } .ms-selected { COLOR: #663300; BACKGROUND-COLOR: #669933 } .ms-selected SPAN { COLOR: #669933 } .ms-selectednav { BORDER-RIGHT: #663300 1px solid; BORDER-TOP: #663300 1px solid; = BACKGROUND: #ffffff; PADDING-BOTTOM: 2px; BORDER-LEFT: #663300 1px = solid; PADDING-TOP: 1px; BORDER-BOTTOM: #663300 1px solid } .ms-selectedtitle { BORDER-RIGHT: #cc3333 1px solid; BORDER-TOP: #cc3333 1px solid; = PADDING-BOTTOM: 2px; BORDER-LEFT: #cc3333 1px solid; PADDING-TOP: 1px; = BORDER-BOTTOM: #cc3333 1px solid; BACKGROUND-COLOR: #cacac9 } .ms-separator { COLOR: #663300 } .ms-smallheader { FONT-WEIGHT: bold; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica } .ms-smallsectionline { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; = PADDING-TOP: 2px; BORDER-BOTTOM: #003399 1px solid } .ms-spbutton { FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-sperror { PADDING-RIGHT: 2px; PADDING-LEFT: 2px; PADDING-BOTTOM: 2px; COLOR: = #db6751; PADDING-TOP: 2px; BORDER-BOTTOM: #cacac9 2px solid; = FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-splink { COLOR: #990066; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-splink A:link { COLOR: #990066; TEXT-DECORATION: none } .ms-splink A:visited { COLOR: #990066; TEXT-DECORATION: none } .ms-spzone { BORDER-RIGHT: #990066 1px solid; PADDING-RIGHT: 5px; BORDER-TOP: = #990066 1px solid; PADDING-LEFT: 5px; PADDING-BOTTOM: 5px; BORDER-LEFT: = #990066 1px solid; PADDING-TOP: 5px; BORDER-BOTTOM: #990066 1px solid } .ms-spzonecaption { COLOR: #990066; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-spzoneibar { BORDER-RIGHT: #ffcc00 3px solid; BORDER-TOP: #ffcc00 3px solid; = BORDER-LEFT: #ffcc00 3px solid; BORDER-BOTTOM: #ffcc00 3px solid } .ms-spzonelabel { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; COLOR: = #990066; PADDING-TOP: 0px; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-spzoneselected { BORDER-RIGHT: #ffcc00 1px solid; PADDING-RIGHT: 5px; BORDER-TOP: = #ffcc00 1px solid; PADDING-LEFT: 5px; PADDING-BOTTOM: 5px; BORDER-LEFT: = #ffcc00 1px solid; PADDING-TOP: 5px; BORDER-BOTTOM: #ffcc00 1px solid } .ms-stormeestimated { BACKGROUND-COLOR: #ffcc00 } .ms-stormefree { BACKGROUND-COLOR: #669933 } .ms-stormeused { BACKGROUND-COLOR: #cc6633 } .ms-stylebody { FONT-SIZE: 8pt; FONT-FAMILY: verdana } .ms-stylebox { BORDER-RIGHT: #003399 1px solid; BORDER-TOP: #003399 1px solid; = BORDER-LEFT: #003399 1px solid; BORDER-BOTTOM: #003399 1px solid; = FONT-FAMILY: verdana; TEXT-ALIGN: left } .ms-styleheader { FONT-SIZE: 0.68em; FONT-FAMILY: verdana; BACKGROUND-COLOR: #cacac9 } .ms-styleheader A:hover { COLOR: #ff3300; TEXT-DECORATION: underline } .ms-stylebody A:hover { COLOR: #ff3300; TEXT-DECORATION: underline } .ms-styleheader A:link { COLOR: #990066; TEXT-DECORATION: none } .ms-stylebody A:link { COLOR: #990066; TEXT-DECORATION: none } .ms-styleheader A:visited { TEXT-DECORATION: none } .ms-stylebody A:visited { TEXT-DECORATION: none } .ms-stylelabel { FONT-SIZE: 8pt; COLOR: #003399; FONT-FAMILY: verdana } .ms-subsmanagecell { VERTICAL-ALIGN: top; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica; HEIGHT: 18px } .ms-subsmanageheader { FONT-WEIGHT: bold; VERTICAL-ALIGN: top; FONT-FAMILY: trebuchet = ms,arial,helvetica; BACKGROUND-COLOR: #cacac9; TEXT-DECORATION: none } .ms-surveygvvbar { BORDER-TOP: #990066 0px solid; WIDTH: 9px; BORDER-BOTTOM: #cc3333 0px = solid; BACKGROUND-COLOR: #990066 } .ms-surveygvvbars { WIDTH: 20px } .ms-surveyvbart { FONT-SIZE: 7pt; COLOR: #bbbbbb; FONT-FAMILY: verdana; TEXT-ALIGN: = center } .ms-tabinactive { BORDER-RIGHT: #cacac9 2px solid; PADDING-RIGHT: 10px; BORDER-TOP: = #cacac9 2px solid; PADDING-LEFT: 10px; PADDING-BOTTOM: 3px; BORDER-LEFT: = #cacac9 2px solid; COLOR: #990066; PADDING-TOP: 3px; BORDER-BOTTOM: = #cacac9 2px solid; FONT-FAMILY: trebuchet ms,arial,helvetica; = BACKGROUND-COLOR: #cacac9 } .ms-tabinactive A:link { COLOR: #990066; TEXT-DECORATION: none } .ms-tabinactive A:hover { COLOR: #990066; TEXT-DECORATION: none } .ms-tabinactive A:visited { COLOR: #990066; TEXT-DECORATION: none } .ms-tabselected { BORDER-RIGHT: #ccff66 2px solid; PADDING-RIGHT: 10px; BORDER-TOP: = #ccff66 2px solid; PADDING-LEFT: 10px; FONT-WEIGHT: bold; = PADDING-BOTTOM: 3px; BORDER-LEFT: #ccff66 2px solid; COLOR: #003399; = PADDING-TOP: 3px; BORDER-BOTTOM: #ccff66 2px solid; FONT-FAMILY: = trebuchet ms,arial,helvetica; BACKGROUND-COLOR: #ccff66 } .ms-titlearea { COLOR: #663300; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-titlearealine { BACKGROUND-COLOR: #ccff66 } .ms-toolbar { COLOR: #990066; FONT-FAMILY: trebuchet ms,arial,helvetica; = TEXT-DECORATION: none } .ms-toolbar A:visited { COLOR: #990066; FONT-FAMILY: trebuchet ms,arial,helvetica; = TEXT-DECORATION: none } .ms-toolpanebody { PADDING-BOTTOM: 2px; PADDING-TOP: 2px } .ms-toolpaneborder { BORDER-RIGHT: #cacac9 1px solid; BORDER-TOP: medium none; BORDER-LEFT: = #cacac9 1px solid; BORDER-BOTTOM: medium none } .ms-toolpaneclose { BACKGROUND-COLOR: #a4a4a4 } .ms-toolpaneerror { PADDING-RIGHT: 2px; PADDING-LEFT: 2px; PADDING-BOTTOM: 2px; COLOR: = #db6751; PADDING-TOP: 2px; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-toolpanefooter { PADDING-RIGHT: 5px; PADDING-LEFT: 5px; PADDING-BOTTOM: 5px; COLOR: = #663300; PADDING-TOP: 5px; FONT-FAMILY: trebuchet ms,arial,helvetica; = BACKGROUND-COLOR: #a4a4a4 } .ms-toolpaneframe { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; = PADDING-TOP: 0px; BACKGROUND-COLOR: #cacac9 } .ms-toolpaneheader { BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: = none; BACKGROUND-COLOR: #a4a4a4; BORDER-BOTTOM-STYLE: none } .ms-toolpaneinfo { PADDING-RIGHT: 5px; PADDING-LEFT: 5px; PADDING-BOTTOM: 0px; COLOR: = #663300; PADDING-TOP: 5px; FONT-FAMILY: trebuchet ms,arial,helvetica; = BACKGROUND-COLOR: #cacac9 } .ms-toolpanetitle { FONT-WEIGHT: bold; PADDING-BOTTOM: 3px; COLOR: #663300; PADDING-TOP: = 3px; FONT-FAMILY: trebuchet ms,arial,helvetica; BACKGROUND-COLOR: = #a4a4a4 } .ms-toolpartspacing { PADDING-TOP: 8px } .ms-toolstrip { BORDER-RIGHT: #990066 1px solid; BORDER-TOP: #990066 1px solid; = BORDER-LEFT: #990066 1px solid; COLOR: #663300; BORDER-BOTTOM: #990066 = 1px solid; BACKGROUND-COLOR: #cacac9 } .ms-tpbody { COLOR: #663300; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-tpbody A:link { CURSOR: hand; COLOR: #990066; TEXT-DECORATION: none } .ms-tpbody A:visited { CURSOR: hand; COLOR: #990066; TEXT-DECORATION: none } .ms-tpbody A:hover { CURSOR: hand; COLOR: #990066; TEXT-DECORATION: none } .ms-tpborder { BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium = none; BORDER-BOTTOM: medium none } .ms-tpcommands { =09 } .ms-tpheader { BACKGROUND-COLOR: #003399 } .ms-tpinput { COLOR: #ffffff; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-tptitle { FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; COLOR: #663300; PADDING-TOP: = 2px; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-underline { PADDING-RIGHT: 4px; PADDING-LEFT: 4px; PADDING-BOTTOM: 4px; = VERTICAL-ALIGN: top; PADDING-TOP: 2px; BORDER-BOTTOM: #003399 1px solid } .ms-underlineback { PADDING-RIGHT: 4px; PADDING-LEFT: 4px; PADDING-BOTTOM: 4px; = VERTICAL-ALIGN: top; PADDING-TOP: 2px; BORDER-BOTTOM: #003399 1px solid; = BACKGROUND-COLOR: #cacac9 } .ms-unselectednav { BORDER-RIGHT: #cacac9 1px solid; BORDER-TOP: #cacac9 1px solid; = PADDING-BOTTOM: 2px; BORDER-LEFT: #cacac9 1px solid; PADDING-TOP: 1px; = BORDER-BOTTOM: #cacac9 1px solid } .ms-unselectedtitle { PADDING-BOTTOM: 2px; MARGIN: 1px; PADDING-TOP: 1px } .ms-uploadborder { BORDER-RIGHT: #000000 1px solid; BORDER-TOP: #000000 1px solid; = BORDER-LEFT: #000000 1px solid; BORDER-BOTTOM: #000000 1px solid } .ms-uploadcontrol { BACKGROUND-COLOR: #669933 } .ms-vappt { BORDER-RIGHT: #990066 2px solid; PADDING-RIGHT: 3px; BORDER-TOP: = #990066 1px solid; PADDING-LEFT: 3px; VERTICAL-ALIGN: middle; OVERFLOW: = hidden; BORDER-LEFT: #990066 2px solid; COLOR: #663300; BORDER-BOTTOM: = #990066 3px solid; HEIGHT: 12px; TEXT-OVERFLOW: ellipsis; = BACKGROUND-COLOR: #d9d9d9; TEXT-ALIGN: center } .ms-vappt A:hover { COLOR: #663300; TEXT-DECORATION: underline } .ms-vappt A:link { =09 } .ms-vapptsingle { BORDER-RIGHT: #990066 1px solid; BORDER-TOP: #990066 1px solid; = VERTICAL-ALIGN: middle; OVERFLOW: hidden; BORDER-LEFT: #990066 1px = solid; COLOR: #663300; BORDER-BOTTOM: #990066 1px solid; TEXT-OVERFLOW: = ellipsis; BACKGROUND-COLOR: #d9d9d9; TEXT-ALIGN: center } .ms-vapptsingle A { FONT-WEIGHT: normal; OVERFLOW: hidden; COLOR: #990066; FONT-FAMILY: = trebuchet ms,arial,helvetica; TEXT-OVERFLOW: ellipsis; TEXT-DECORATION: = none } .ms-vappt A { FONT-WEIGHT: normal; OVERFLOW: hidden; COLOR: #990066; FONT-FAMILY: = trebuchet ms,arial,helvetica; TEXT-OVERFLOW: ellipsis; TEXT-DECORATION: = none } .ms-vapptsingle A:hover { TEXT-DECORATION: underline } .ms-vapptsingle A:link { =09 } .ms-vapptsingle A:visited { =09 } .ms-vb { VERTICAL-ALIGN: top; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica; HEIGHT: 18px } .ms-vb A { COLOR: #990066; TEXT-DECORATION: none } .ms-vb2 A { COLOR: #990066; TEXT-DECORATION: none } .ms-grstatustext A { COLOR: #990066; TEXT-DECORATION: none } .ms-vb-user A { COLOR: #990066; TEXT-DECORATION: none } .ms-vb A:hover { COLOR: #ffcc00; TEXT-DECORATION: underline } .ms-vb2 A:hover { COLOR: #ffcc00; TEXT-DECORATION: underline } .ms-vb-user A:hover { COLOR: #ffcc00; TEXT-DECORATION: underline } .ms-vb A:visited { COLOR: #990066; TEXT-DECORATION: none } .ms-vb2 A:visited { COLOR: #990066; TEXT-DECORATION: none } .ms-grstatustext A:visited { COLOR: #990066; TEXT-DECORATION: none } .ms-vb-user A:visited { COLOR: #990066; TEXT-DECORATION: none } .ms-vb A:hover:visited { COLOR: #ffcc00; TEXT-DECORATION: underline } .ms-vb2 A:hover:visited { COLOR: #ffcc00; TEXT-DECORATION: underline } .ms-vb-user A:hover:visited { COLOR: #ffcc00; TEXT-DECORATION: underline } .ms-vb { VERTICAL-ALIGN: top; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-vb2 { VERTICAL-ALIGN: top; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-grfont { VERTICAL-ALIGN: top; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-vb-user { VERTICAL-ALIGN: top; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-vb-icon { PADDING-BOTTOM: 0px; VERTICAL-ALIGN: top; WIDTH: 16px; PADDING-TOP: 2px } .ms-vb2 { PADDING-BOTTOM: 0px; PADDING-TOP: 3px } .ms-vb2 { BORDER-TOP: #003399 1px solid } .ms-vb-title { BORDER-TOP: #003399 1px solid } .ms-vb-icon { BORDER-TOP: #003399 1px solid } .ms-vb-user { BORDER-TOP: #003399 1px solid } .ms-vcal { TABLE-LAYOUT: fixed; CURSOR: default; FONT-FAMILY: trebuchet = ms,arial,helvetica; BORDER-COLLAPSE: separate } .ms-verticaldots { BORDER-RIGHT: #ccff66 1px solid; BORDER-LEFT: medium none } .ms-vevt { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-WEIGHT: normal; = PADDING-BOTTOM: 0px; VERTICAL-ALIGN: top; OVERFLOW: hidden; COLOR: = #663300; PADDING-TOP: 0px; FONT-FAMILY: trebuchet ms,arial,helvetica; = HEIGHT: 12px; TEXT-OVERFLOW: ellipsis; TEXT-ALIGN: center } .ms-vevt A { FONT-WEIGHT: normal; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica; TEXT-DECORATION: none } .ms-vevt A:hover { COLOR: #663300; TEXT-DECORATION: underline } .ms-vevt A:link { =09 } .ms-vevt A:visited { COLOR: #dfd664 } .ms-vh { FONT-WEIGHT: normal; COLOR: #990066; FONT-FAMILY: trebuchet = ms,arial,helvetica; TEXT-DECORATION: none } .ms-vh A { COLOR: #990066; TEXT-DECORATION: none } .ms-vh A:visited { COLOR: #990066; TEXT-DECORATION: none } .ms-vh2 A { COLOR: #990066; TEXT-DECORATION: none } .ms-vh2 A:visited { COLOR: #990066; TEXT-DECORATION: none } .ms-vh-left A { COLOR: #990066; TEXT-DECORATION: none } .ms-vh-right A { COLOR: #990066; TEXT-DECORATION: none } .ms-vh A:hover { TEXT-DECORATION: underline } .ms-vh2 A:hover { TEXT-DECORATION: underline } .ms-vh-icon { FONT-WEIGHT: normal; VERTICAL-ALIGN: top; WIDTH: 22px; COLOR: #990066; = FONT-FAMILY: trebuchet ms,arial,helvetica; TEXT-DECORATION: none } .ms-vh-icon-empty { FONT-WEIGHT: normal; VERTICAL-ALIGN: top; WIDTH: 0px; COLOR: #990066; = FONT-FAMILY: trebuchet ms,arial,helvetica; TEXT-DECORATION: none } .ms-vh-left { FONT-WEIGHT: normal; COLOR: #990066; FONT-FAMILY: trebuchet = ms,arial,helvetica; TEXT-DECORATION: none } .ms-vh-left-icon { FONT-WEIGHT: normal; WIDTH: 22px; COLOR: #990066; FONT-FAMILY: = trebuchet ms,arial,helvetica; TEXT-DECORATION: none } .ms-vh-left-icon-empty { FONT-WEIGHT: normal; WIDTH: 0px; COLOR: #990066; FONT-FAMILY: trebuchet = ms,arial,helvetica; TEXT-DECORATION: none } .ms-vh-right { FONT-WEIGHT: normal; COLOR: #990066; FONT-FAMILY: trebuchet = ms,arial,helvetica; TEXT-DECORATION: none } .ms-vh-right-icon { FONT-WEIGHT: normal; WIDTH: 22px; COLOR: #990066; FONT-FAMILY: = trebuchet ms,arial,helvetica; TEXT-DECORATION: none } .ms-vh-right-icon-empty { FONT-WEIGHT: normal; WIDTH: 0px; COLOR: #990066; FONT-FAMILY: trebuchet = ms,arial,helvetica; TEXT-DECORATION: none } .ms-vh2 { FONT-WEIGHT: normal; VERTICAL-ALIGN: top; COLOR: #990066; FONT-FAMILY: = trebuchet ms,arial,helvetica; TEXT-DECORATION: none } .ms-vhimage { FONT-WEIGHT: normal; VERTICAL-ALIGN: top; WIDTH: 18pt; COLOR: #5d5d5d; = FONT-FAMILY: trebuchet ms,arial,helvetica; TEXT-DECORATION: none } .ms-viewselect A:link { COLOR: #990066; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-wpbody { FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-wpbody A:hover { COLOR: #ffcc00; TEXT-DECORATION: underline } .ms-wpbody A:link { COLOR: #990066; TEXT-DECORATION: none } .ms-wpbody A:visited { COLOR: #990066; TEXT-DECORATION: none } .ms-wpbody H1 { FONT-WEIGHT: bold } .ms-tpbody H1 { FONT-WEIGHT: bold } .ms-wpbody H2 { FONT-WEIGHT: bold } .ms-tpbody H2 { FONT-WEIGHT: bold } .ms-wpbody H3 { FONT-WEIGHT: bold } .ms-tpbody H3 { FONT-WEIGHT: bold } .ms-wpbody H4 { FONT-WEIGHT: bold } .ms-tpbody H4 { FONT-WEIGHT: bold } .ms-wpbody H5 { FONT-WEIGHT: bold } .ms-tpbody H5 { FONT-WEIGHT: bold } .ms-wpbody H6 { FONT-WEIGHT: bold } .ms-tpbody H6 { FONT-WEIGHT: bold } .ms-wpbody TABLE { =09 } .ms-tpbody TABLE { =09 } .ms-wpbody TD { FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-wpbody TH { FONT-WEIGHT: bold } .ms-tpbody TH { FONT-WEIGHT: bold } .ms-wpborder { BORDER-RIGHT: #003399 1px solid; BORDER-LEFT: #003399 1px solid; = BORDER-TOP-STYLE: none; BORDER-BOTTOM: #003399 1px solid } .ms-wpdesign { BACKGROUND-COLOR: #cacac9 } .ms-wpheader { BACKGROUND-IMAGE: url(blank.gif); BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: #cacac9 } .ms-wpmenu { BACKGROUND-COLOR: #cacac9 } .ms-wpselected { BORDER-RIGHT: #008cce 3px dashed; BORDER-TOP: #008cce 3px dashed; = BORDER-LEFT: #008cce 3px dashed; BORDER-BOTTOM: #008cce 3px dashed } .ms-wptitle { FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; COLOR: #663300; PADDING-TOP: = 2px; FONT-FAMILY: trebuchet ms,arial,helvetica } .ms-wptitle A:hover { CURSOR: hand; COLOR: #000000; TEXT-DECORATION: underline } .ms-wptitle A:link { CURSOR: hand; COLOR: #663300; TEXT-DECORATION: none } .ms-wptitle A:visited { CURSOR: hand; COLOR: #663300; TEXT-DECORATION: none } .mstheme { top-bar-button: url(indglob.gif); navbutton-background-color: #FFFFFF } .mstheme-topbar-font { COLOR: #ffffff; FONT-FAMILY: trebuchet ms,arial,helvetica } .userbackground { BACKGROUND-COLOR: #ffffff } .userbutton { COLOR: #000000; FONT-FAMILY: trebuchet ms,arial,helvetica } .userinput { COLOR: #000000; FONT-FAMILY: trebuchet ms,arial,helvetica } .userselect { COLOR: #000000; FONT-FAMILY: trebuchet ms,arial,helvetica } .usercaption { FONT-FAMILY: trebuchet ms,arial,helvetica; BACKGROUND-COLOR: #cacac9 } .usercell { PADDING-RIGHT: 5px; PADDING-LEFT: 5px; PADDING-BOTTOM: 3px; COLOR: = #663300; PADDING-TOP: 2px; FONT-FAMILY: trebuchet ms,arial,helvetica } .usercellselected { BORDER-RIGHT: #663300 1px solid; PADDING-RIGHT: 4px; BORDER-TOP: = #663300 1px solid; PADDING-LEFT: 4px; PADDING-BOTTOM: 2px; BORDER-LEFT: = #663300 1px solid; COLOR: #663300; PADDING-TOP: 1px; BORDER-BOTTOM: = #663300 1px solid; FONT-FAMILY: trebuchet ms,arial,helvetica; = BACKGROUND-COLOR: #ffffff } .usercommandarea { PADDING-TOP: 7px } .userconfiguration { FONT-FAMILY: trebuchet ms,arial,helvetica; BACKGROUND-COLOR: #cacac9 } .usercontrolgroup { PADDING-BOTTOM: 10px; PADDING-TOP: 2px } .userdottedline { BACKGROUND-IMAGE: url(dot.gif); MARGIN-BOTTOM: 2px; OVERFLOW: hidden; = BACKGROUND-REPEAT: repeat-x; HEIGHT: 1px; BACKGROUND-COLOR: transparent } .userfooter { PADDING-RIGHT: 7px; PADDING-LEFT: 7px; PADDING-BOTTOM: 7px; WIDTH: = 100%; PADDING-TOP: 10px } .usergeneric { PADDING-RIGHT: 5px; PADDING-LEFT: 5px; PADDING-BOTTOM: 7px; = PADDING-TOP: 8px } .usergenericbody { PADDING-RIGHT: 0px; PADDING-LEFT: 17px; PADDING-BOTTOM: 0px; = PADDING-TOP: 5px } .usergenericbulletitem { PADDING-BOTTOM: 2px } .usergenericheader { FONT-WEIGHT: bold; COLOR: #663300; FONT-FAMILY: trebuchet = ms,arial,helvetica } .usergenerictext { =09 } .usernotification { PADDING-RIGHT: 4px; PADDING-LEFT: 4px; PADDING-BOTTOM: 4px; COLOR: = #bbbbbb; PADDING-TOP: 4px; FONT-FAMILY: trebuchet ms,arial,helvetica } .usersectionbody { PADDING-RIGHT: 0px; PADDING-LEFT: 7px; PADDING-BOTTOM: 0px; WIDTH: = 100%; PADDING-TOP: 0px } .usersectionfooter { BORDER-TOP: #a4a4a4 1px solid } .usersectionhead { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 3px; WIDTH: = 100%; COLOR: #663300; PADDING-TOP: 0px } .usersectiontitle { FONT-WEIGHT: bold; MARGIN-BOTTOM: 5px; PADDING-BOTTOM: 2px; WIDTH: = 100%; COLOR: #663300; BORDER-BOTTOM: #a4a4a4 1px solid } .usershadedregion { FONT-FAMILY: trebuchet ms,arial,helvetica; BACKGROUND-COLOR: #cacac9 } .usertoolbar { BORDER-RIGHT: #bbbbbb 1px solid; BORDER-TOP: #bbbbbb 1px solid; = BACKGROUND-IMAGE: url(toolgrad.gif); BORDER-LEFT: #bbbbbb 1px solid; = BORDER-BOTTOM: #bbbbbb 1px solid; BACKGROUND-REPEAT: repeat-x; = BACKGROUND-COLOR: transparent } .usertoolbardisabledlink { PADDING-RIGHT: 4px; PADDING-LEFT: 4px; PADDING-BOTTOM: 4px; COLOR: = #000000; PADDING-TOP: 4px; FONT-FAMILY: trebuchet ms,arial,helvetica } .usertoolbarimage { BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium = none; CURSOR: hand; BORDER-BOTTOM: medium none; BACKGROUND-COLOR: = #bbbbbb; TEXT-ALIGN: center } .usertoolbarimagearea { FONT-WEIGHT: normal; PADDING-BOTTOM: 5px; FONT-FAMILY: trebuchet = ms,arial,helvetica } .usertoolbarselectedimage { BORDER-RIGHT: medium none; BORDER-TOP: medium none; FONT-WEIGHT: bold; = VERTICAL-ALIGN: top; BORDER-LEFT: medium none; BORDER-BOTTOM: #000000 = 1px solid; TEXT-ALIGN: center } .usertoolbartextarea { FONT-WEIGHT: normal; PADDING-BOTTOM: 5px; FONT-FAMILY: trebuchet = ms,arial,helvetica } .usertoolbartextarea A:hover { COLOR: #ffcc00; TEXT-DECORATION: underline } .usertoolbartextarea A:link { COLOR: #990066; TEXT-DECORATION: none } .usertoolbartextarea A:visited { COLOR: #990066; TEXT-DECORATION: none } A.ms-imglibpreviewtitle { OVERFLOW: hidden; WIDTH: 130px; TEXT-OVERFLOW: ellipsis } BODY { FONT-WEIGHT: normal; BACKGROUND-IMAGE: url(indtextb.jpg); FONT-STYLE: = normal; FONT-FAMILY: Times New Roman } BUTTON { BORDER-RIGHT: 1pt solid; BORDER-TOP: 1pt solid; BORDER-LEFT: 1pt solid; = BORDER-BOTTOM: 1pt solid; FONT-STYLE: normal; FONT-FAMILY: = Arial,Helvetica,sans-serif } CAPTION { FONT-STYLE: normal; FONT-FAMILY: trebuchet ms,arial,helvetica } DIV.ms-titleareaframe { BORDER-TOP: #003399 4px solid } FIELDSET { BORDER-RIGHT: 1pt solid; BORDER-TOP: 1pt solid; BORDER-LEFT: 1pt solid; = BORDER-BOTTOM: 1pt solid; FONT-STYLE: normal; FONT-FAMILY: trebuchet = ms,arial,helvetica } H1 { FONT-WEIGHT: bold; FONT-STYLE: normal; FONT-FAMILY: Trebuchet = MS,Arial,Helvetica } H2 { FONT-WEIGHT: normal; FONT-STYLE: normal; FONT-FAMILY: Trebuchet = MS,Arial,Helvetica } H3 { FONT-WEIGHT: normal; FONT-STYLE: normal; FONT-FAMILY: trebuchet = ms,arial,helvetica } H4 { FONT-WEIGHT: normal; FONT-STYLE: normal; FONT-FAMILY: trebuchet = ms,arial,helvetica } H5 { FONT-WEIGHT: normal; FONT-STYLE: normal; FONT-FAMILY: trebuchet = ms,arial,helvetica } H6 { FONT-WEIGHT: normal; FONT-STYLE: normal; FONT-FAMILY: trebuchet = ms,arial,helvetica } HR { COLOR: #990066; HEIGHT: 2px } il { LIST-STYLE-IMAGE: url(indbul2d.gif) } IMG.ms-button { CURSOR: hand } IMG.ms-imglibpreviewarea { BORDER-RIGHT: #cacac9 3px solid; BORDER-TOP: #cacac9 3px solid; = MARGIN-TOP: 3px; BORDER-LEFT: #cacac9 3px solid; BORDER-BOTTOM: #cacac9 = 3px solid } IMG.thumbnail { BORDER-RIGHT: #a4a4a4 3px solid; BORDER-TOP: #a4a4a4 3px solid; = BORDER-LEFT: #a4a4a4 3px solid; BORDER-BOTTOM: #a4a4a4 3px solid } LABEL { FONT-STYLE: normal; FONT-FAMILY: trebuchet ms,arial,helvetica } .mstheme-label { FONT-STYLE: normal; FONT-FAMILY: trebuchet ms,arial,helvetica } LEGEND { FONT-STYLE: normal; FONT-FAMILY: trebuchet ms,arial,helvetica } MARQUEE { FONT-FAMILY: trebuchet ms,arial,helvetica } SELECT { BORDER-TOP-STYLE: solid; FONT-STYLE: normal; FONT-FAMILY: trebuchet = ms,arial,helvetica; BORDER-RIGHT-STYLE: solid; BORDER-LEFT-STYLE: solid; = BORDER-BOTTOM-STYLE: solid } SPAN.thumbnail { PADDING-RIGHT: 10px; PADDING-LEFT: 10px; PADDING-BOTTOM: 16px; WIDTH: = 5px; PADDING-TOP: 16px; POSITION: relative } SPAN.userdata { DISPLAY: none; BEHAVIOR: url(#default#userData) } TABLE { FONT-WEIGHT: normal; FONT-STYLE: normal; FONT-FAMILY: Times New Roman } TABLE.ms-form TD { VERTICAL-ALIGN: top; WIDTH: 100% } TABLE.ms-form TH { FONT-WEIGHT: normal; VERTICAL-ALIGN: top; COLOR: #663300; FONT-FAMILY: = trebuchet ms,arial,helvetica } TABLE.ms-imglibpreviewtable { DISPLAY: none } TABLE.ms-imglibtitletable { BORDER-RIGHT: #003399 0px solid; BORDER-TOP: #003399 0px solid; = BORDER-LEFT: #003399 0px solid; BORDER-BOTTOM: #003399 0px solid } TABLE.ms-titleareaframe { BORDER-LEFT: 0px } TABLE.ms-toolbar { BORDER-RIGHT: #bbbbbb 1px solid; BORDER-TOP: #bbbbbb 1px solid; = BACKGROUND-IMAGE: url(toolgrad.gif); BORDER-LEFT: #bbbbbb 1px solid; = BORDER-BOTTOM: #bbbbbb 1px solid } TD.ms-titleareaframe { BORDER-LEFT-COLOR: #003399; BORDER-BOTTOM-COLOR: #003399; COLOR: = #000000; BORDER-TOP-COLOR: #003399; BORDER-RIGHT-COLOR: #003399 } TEXTAREA { FONT-STYLE: normal; FONT-FAMILY: trebuchet ms,arial,helvetica } TH { FONT-FAMILY: trebuchet ms,arial,helvetica } TR.ms-imglibselectedrow { BACKGROUND-COLOR: #cacac9 } ------=_NextPart_000_0000_01C9C121.F4AF9900--