* { padding: 0; margin: 0; }

<style type="text/css">
p { color: #000000; } 
A:link { color: #000000; }
A:visited { color: #000000; }
A:active { color: #000000; }
A:hover {text-decoration: underline; color: 000000;}

</style>

body {
 font-family: Times New Roman, Times;
 font-size: 96%;
 background-color:#af0000;
 color: #FFFFFF;
}
#wrapper { 
 margin: 0 auto;
 width: 822px;
 background-color:#af0000;
}
#header {
 width: 800px;
 color: #333;
 padding: 10px;
 height: 175px;
 margin: 10px 0px 5px 0px;
 background-color:#af0000;
 text-align: center;
 background-image:
 url('images/headerBKG.gif');
 background-repeat: no-repeat;

 
}

#content { 
 width: 800px;
 color: #FFFFFF;
 font-family: Times New Roman, Times;
 background:#af0000;
 margin: 0px 0px 5px 0px;
 padding: 10px;
 height: 350px;
 text-align: center;
 
 
}
#footer { 
 color: #ffffff;
 font-family: Times New Roman, Times;
 font-size: 92%;
 width: 800px;
 height: 50px;
 background-color:#af0000;
 margin: 0px 0px 10px 0px;
 spacing: 20px;
 text-align: center;
}

#contact { 
 color: #000000;
 font-family: Times New Roman, Times;
font-size: 120%;
 text-align: center;
}