#submenu {
    width: 251px; height: 27px;
    background:  url(../images-new/sprite-sub-nav-bar.gif) no-repeat;
    margin: 10px 0; padding: 0;
    position: relative;}
  #submenu li {
    margin: 0; padding: 0; list-style: none;
    position: absolute; top: 0;}
  #submenu li, #submenu a {
    height: 27px; display: block;}
	
  #benefits {left: 0; width: 94px;}
  #benefits span {display: none;}
  #fees {left: 95px; width: 50px;}
  #fees span {display: none;}
  #testimonials {left: 145px; width: 107px;}
  #testimonials span {display: none;}

  
  #benefits a:hover {
    background: transparent url(../images-new/sprite-sub-nav-bar.gif)
	0 -27px no-repeat;}
  #fees a:hover {
    background: transparent url(../images-new/sprite-sub-nav-bar.gif)
	-95px -27px no-repeat;}
  #testimonials a:hover {
    background: transparent url(../images-new/sprite-sub-nav-bar.gif)
	-145px -27px no-repeat;}#subnavholder {
	position: absolute;
	margin-right: 0px;
	padding: 0px;
	margin-top: 0px;
	margin-bottom: 0px;
	margin-left: 0%;
	text-align: center;
	width: 251px;
	top: 84px;
	left: 65%;
}
.certlogodisclaimer {
	color: #66FF00;
}