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<!--
                  DIRECTIONS 
     ALL AREAS DISPLAYED IN RED ARE WHERE YOU NEED TO SET THE 
     BACKGROUND IMAGES, TEXT AND LINK COLORS, SCROLL BAR BASE & 
     TRACK COLORS, MIDDLE AND INNER BACKGROUND BORDERCOLORS. 
     ALTERING OTHER SETTINGS SHOULD BE DONE WITH CAUTION!!
     PLEASE NOTE THAT NOT ALL BROWSERS RECOGNIZE THE SCRIPT FOR 
     THE SCROLL BAR COLORS OR THE TABLE BORDERCOLOR TAGS 
                  END DIRECTIONS
-->

<html>
<head>
<title>YOUR TITLE</title>
</head>

<!-- SET UP SCROLL BAR COLORS -->
<style>
BODY{
scrollbar-base-color: #COLOR;
scrollbar-track-color: #COLOR;
}
</style>
<!-- END SCROLL BAR SETUP -->




<!-- SET UP OUTER MOST BACKGROUND -->
<body background="YOUR GRAPHIC" 
text='#COLOR'   link='#COLOR'   vlink='#COLOR'   alink='#COLOR'>
<br><br>
<center>

<!-- SET UP MIDDLE BACKGROUND -->
<table background="YOUR GRAPHIC" border="1"  width="90%" bordercolor='#COLOR' 
cellpadding="50" cellspacing="0">
<tr>
<td width="100%">
<p><center>

<!-- SET UP INNER BACKGROUND -->
<table background="YOUR GRAPHIC"  border="1" bordercolor=' #COLOR' width="100%" 
cellpadding="20" cellspacing="0">
<tr><td width="100%" align="center">

<!-- START YOUR PAGE CONTENTS BELOW THIS COMMENT-->

                   PLACE ALL PAGE CONTENTS HERE

<!-- END YOUR PAGE CONTENTS ABOVE THIS COMMENT -->

<!-- THE BACKGROUND TABLES START CLOSING HERE - LEAVE THIS CODE INTACT -->

<br><br>
</td></tr></table>
</center>
</td></tr></table>
</center>
<br><br>
</body>
</html>