.layer-frontpage-2-3-cols .layer-2cols {
	margin: 0 0 12px 0;
	padding-bottom: 1px
}

.layer-frontpage-2-3-cols .layer-2cols .layer-2cols-1 {
	float: left;
	width: 625px;
}

.layer-frontpage-2-3-cols .layer-2cols .layer-2cols-1 .layer-content {
	padding: 20px;
	background: #F7F7F7;
}

.layer-frontpage-2-3-cols .layer-2cols .layer-2cols-1 .layer-content img {
	float: left;
	margin: 0 20px 0 0;
}

.layer-frontpage-2-3-cols .layer-2cols .layer-2cols-1 .layer-content h2 {
	margin: -3px 0 13px 0;
	font-weight: bold;
	font-size: 2em;
}

.layer-frontpage-2-3-cols .layer-2cols .layer-2cols-1 .layer-content p {
	margin: 0;
	padding: 0;
	font-size: 1.2em;
	font-weight: normal;
	line-height: 1.6em;
}

.layer-frontpage-2-3-cols .layer-2cols .layer-2cols-2 {
	float: right;
	width: 310px;
}

.layer-frontpage-2-3-cols .layer-headline {
	background-color: #F7F7F7;
	padding: 0;
	margin: 0 0 12px 0;
}

.layer-frontpage-2-3-cols .layer-headline p {
	margin: 0;
	padding: 0;
}

.layer-frontpage-2-3-cols h2 {
	margin-top: 0;
	padding-top: 0;
}
 
#layer-frontpage .layer-ao {
	margin: 0;
}

#layer-frontpage .layer-ao h3 {
    margin: 0;
    padding: 13px 20px 11px;
    border-bottom: 2px solid #E8E8E8;
    font-weight: bold;
}

#layer-frontpage .layer-ao h4 {
	line-height: 21px;
	font-weight: normal;
}

#layer-frontpage .layer-ao ol,
#layer-frontpage .layer-ao ul {
	margin: 0 20px;
	padding: 12px 0 0 0;
	list-style: none;
	font-size: 1.2em;
}

#layer-frontpage .layer-ao ol li,
#layer-frontpage .layer-ao ul li {
	margin: 0 0 15px 0 ;
}	

#layer-frontpage .layer-ao .panel-more {
	padding: 12px 20px;
	font-size: 1.2em;
}

/* pension scheme */
#layer-pension-scheme h3.heading-title {
	border-bottom: 1px solid #eee;
    font-size: 23px;
    font-weight: bold;
    margin: 0 0 20px 0;
    padding: 15px 0;
}

#layer-pension-scheme .layer-pension-scheme-panel {
	float: left;
	width: 265px;
	min-height: 153px;
	margin: 0 17px 17px 0;
	padding: 15px 20px;
	color: #fff;
	-webkit-border-radius:20px; 
	border-radius:20px; 	
	background: #89877A;
}

#layer-pension-scheme .third-col-panel {
	margin: 0;
}

#layer-pension-scheme .layer-pension-scheme-panel a {
 
	color: #fff;
 }

#layer-pension-scheme .layer-pension-scheme-panel .panel-find-out {
	margin: 0 0 11px;
	padding: 0;
	font-size: 1.5em;
 }

#layer-pension-scheme .layer-pension-scheme-panel h3 {
	font-size: 1.7em;
	font-weight: bold;
	line-height: 1.5em;
	text-transform: uppercase;
}