BODY {
  color: black;
  background-color: white;
  margin-left: 3em;
  margin-right: 5em;
  margin-bottom: 2em;
}

.ref {
  font-style: italic;
}

DIV.footer {
  margin-top: 2em;
}

DIV.footer P {
  margin-top: 0em;
  margin-bottom: 0em;
  font-style: italic;
}

DIV.footer ADDRESS {
  margin-top: 0em;
  margin-bottom: 0em;
  font-style: italic;
}