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I'm having a problem with aligning div's
Old 03-14-2007, 11:34 PM I'm having a problem with aligning div's
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Hey... I haven't been around for a while because I've been working quite a bit. Can someone please help me with something?

I can't figure out why #content is overlaping into #sidebar2.

I'm loading the main CSS file and then I have some PHP to determine the layout of the page. This particular page eliminates the left sidebar and expands the content area. So I will include the main CSS file and then the one that is loaded after.

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				<h1>Mistakes to Avoid When Buying a Home</h1><h4>Escape the Ten Biggest Blunders you can make when buying a home.</h4><p>Although many people can purchase a home now or in a few months with little help, most of them fear talking to a real estate agent or mortgage professional. &nbsp;This report is for people who want a home, that have good income, and would like to retire debt free and wealthy someday. &nbsp;This information has been compiled through years of experience in the finance industry. &nbsp;I have helped many people just like you purchase the homes of their dreams, reduce their monthly  costs, and restructure the way they pay their bills and spend their hard earned dollars.</p>  <p>I believe in educating clients about all of their choices. &nbsp;That means the positive and possible  negative aspects of each mortgage choice. &nbsp;I think you should ask as many questions as you want and I encourage you to request all the information I offer as a service to our clients. &nbsp;If you contact a real estate agent or mortgage professional who is unwilling to answer your questions, continue to look for the person who will help you.</p>  <h3>Why spend $1,000-$1,500 per month on rent when you can own your own home for the same amount?</h3>  <p>Yes, this is possible. &nbsp;Homeownership has tremendous advantages and your home will most likely  go up in value. &nbsp;So a home you purchase today for $250,000 and sell for $320,000 in 5 years may  cost you as little as $1,450 per month.</p>  <p>One of the best things about owning your own home is you start building your net worth instead of  your landlords net worth. &nbsp;When your new home appreciates in value you will earn money simply  by being a homeowner. &nbsp;Over the years, I have seen many new homeowners just baffled by how much growth has taken place in a short period of time. &nbsp;After owning a home for a year or two they  realize that it was probably the best investment they have ever made. &nbsp;Owning a home provides you  with a vehicle in which one can build wealth.</p>  <p>Before I tell you the many ways I can help you buy a home with little or no money down, please read  <em>&ldquo;The Ten Biggest Blunders You Can Make in Buying A Home&rdquo;.</em>&nbsp;&nbsp;It has been my experience that many banks, mortgage companies, credit unions, real estate agents, and builders will avoid the topics below.</p>  <p>I believe in transparency. &nbsp;By educating buyers on the different mortgage products available and discussing all advantages/disadvantages, my clients are able to make an informed decision with regards to their mortgage financing needs.</p> <br />  <h3>The Ten Biggest Blunders: You Can Make When Buying A Home</h3> <ol><li><p><strong>Losing Money With Lower Interest Rates:</strong> &nbsp;Banks have conditioned us to look <em>only</em>  at the rate when shopping for a mortgage. &nbsp;Although the rate is obviously an important part of  securing a competitive mortgage, you should also look at what features are offered for that particular  product. &nbsp;Interest rates are a tricky thing, it is actually possible for 5.05% to be lower than 5.0%, all depending on how the lending institution calculates the interest.</p>  <p>There are also different lending tactics to sell the borrower on a low rate and then charge  outrageous upfront fees to compensate for the extra competitive rate. &nbsp;Don&rsquo;t fall into the  &ldquo;bait and switch&rdquo; lending ploy.</p></li><li><p><strong>Beware of Variable Rate Mortgages (VRM):</strong> &nbsp;VRM's can be one of the greatest tools to paying down your mortgage fast... &nbsp;When use properly. &nbsp;The interest rate for a VRM flucuates as the Bank of Canada changes their prime rates throughout the year.</p> <p>Many people are concerned about the <em>&quot;locking-in privledges&quot;</em> of a VRM, these privledges allow the homeowner to lock-in their rate at whatever the current fixed rates are (at the time of locking in). &nbsp;Many people consider this a <em>safety feature</em> of a VRM because they figure, if rates start to go up, then they will just lock in the rate and save money from increasing rates. &nbsp;However, this is probably one of the worst things that you could do. &nbsp;Historically, people who have chosen a VRM and stayed with it for the full term, have on average saved more money than people that lock in.</p>  <p>The reason for this is the way a mortgage works. &nbsp;Most people now a days know how RRSP's work in that, the longer you contribute to an RRSP...  The more growth/interest you will earn in each year, this is because of something called <em>Compound Interest</em>. &nbsp;What most people don't realize is a mortgage is the <em>EXACT OPPOSITE</em> of an RRSP (see graph below). &nbsp;In the early years of a mortgage you are paying much more interest than in the later years of a mortgage, because of this the lower interest rate in the beginning saves you more than a higher interest rate in the end.</p>  <h3>Mortgage vs. RRSP</h3> <img src="http://localhost/joomla/images/stories/articles/mtg-rrsp.gif" width="574" height="321" align="middle" hspace="6" alt="low interest rate,variable rate mortgage,realtor,listing agent,tax sale property" title="low interest rate,variable rate mortgage,realtor,listing agent,tax sale property" border="1" /><br />  <p>VRM's aren't for everyone! &nbsp;If you are considering a variable rate mortgage, a quick rule of thumb to use (to see if you are suited) can be a quick glance at your investments. &nbsp;If you're the type of person to hold cash under the matteress or buy GIC's because you don't want to risk your money then you're probably best suited to a fixed rate mortgage. &nbsp;If you're invested primarily in mutual funds or stocks that tend to fluctuate in value AND you're not tempted to sell those investments, you may be suited to a variable rate mortgage.</p></li><li><p><strong>Getting a mortgage from your Real Estate Agent or the Mortgage Broker in their office:</strong>  &nbsp;Many real estate companies and individual real estate agents are now offering mortgages as well as  real estate services. &nbsp;It has been my experience that <em>some</em> realtors are not educated enough and  do not have the experience to originate mortgages. &nbsp;It is one thing to know how a mortgage works, it is another to keep up with Lenders and their product line-ups. &nbsp;These Realtors are spreading themselves to thin and it ultimately hurts the borrower. &nbsp;Realtors are specialists at selling Real Estate and Mortgage Professionals specialize in the financing. &nbsp;An exception to this rule is if the real estate office houses a mortgage professional who is solely devoted to the origination of mortgages and does not take part in other real estate transactions.</p>  <p>Also, using a mortgage professional who is also a realtor may cost you more.  &nbsp;It may be slightly more convenient, but it also can be a lot more expensive. &nbsp;Competition drives rates and costs down. &nbsp;In the controlled business arrangement with a Realtor or a Realtor owned Mortgage Company, you can lose that competition. &nbsp;Most respectable realtors would prefer to recommend you to a mortgage broker, advising you that the broker is the specialist when it comes to financing. &nbsp;Vice versa, most respectable mortgage professionals would prefer to recommend you to an experienced realtor advising that they specialize in the Real Estate Market.</p></li><li><p><strong>Buying a home from the listing agent may not be in your best interests:</strong>  &nbsp;The listing agent is the real estate agent who agrees to market, advertise and sell a specified home while receiving a commission once the transaction has closed. &nbsp;When selling a home, the listing agent has a responsibility to the seller of the home to act in their best interests (which could include getting the highest price possible for the home). &nbsp;When a Realtor agrees to help a buyer find and  purchase a home, that realtor has a responsibility to act in the best interests of the buyer (which could include purchasing the home for the lowest price possible). &nbsp;How can one person act in the best interest of two people, when the goal for each person is the exact opposite? &nbsp;In short, they can't.</p>  <p>When a home is sold, if the buyer and the seller are represented by the same agent (or another agent from the same firm), then both the seller and buyer must agree to something called <em>Dual Agency</em>. &nbsp;In a nutshell, Dual Agency means that the realtor(s) can only facilitate the sale of the property and they are not suppose to advise in the transaction. &nbsp;Therefore, they are not permitted to inform the buyer &quot;how low&quot; the seller will go, and they are  also not permitted to inform the seller &quot;how high&quot; the buyer will go.</p>  <p>It is important to note that the seller is responsible to pay any Realty commissions payable upon completion of a Real Estate transaction. &nbsp;This amount does not increase and/or decrease depending on who represents the buyer. &nbsp;Therefore, it stands to reason that a buyer is most likely &quot;better off&quot; by having their own agent represent them. &nbsp;This way, the buyer can be assured that they are getting <em>the best deal possible</em>.</p></li><li><br /></li><p><strong>Buying a government or tax arrears repossessed home may be a mistake:</strong>  &nbsp;I am not against purchasing a repossessed or discounted property. In many markets, especially  those that are having financial trouble, a repossessed home may make good sense. &nbsp;However, usually repossessed homes (also known as a &quot;Power of Sale&quot;) are sold &quot;AS IS&quot;. &nbsp;This ultimately means that there is little or no course of action which can be taken if the home is not up to par. &nbsp;Many homes sold via auctions are not even viewable before the purchase is made. &nbsp;Often times these houses are in need of serious repairs and riddled with incomplete maintenance. &nbsp;Not being  able to thoroughly inspect the property puts the purchaser in a risky position, which could potentially result in a bad purchase.</p><p>There are some bargain properties though, but it is recommended to leave them for investors who have  the &ldquo;know how&rdquo; and/or the money to fix any problems which may arise. &nbsp;When applying for a mortgage with zero or little down payment the lending institution will often frown at these types as they have higher standards for the properties in these situations.</p><p>Keep in mind that purchasing this type of property often  requires the buyer to bid for it. &nbsp;The people you would be bidding against buy, renovate and sell these houses for a living, so you may be at a disadvantage from an experience stand point as well.  &nbsp;In addition, most homes that are for sale under these conditions require a substantial up front  deposit that may not be refundable should your mortgage not close within a specific period of time.</p><li><p><strong>Bad credit can haunt you for 7 years or more:</strong>  &nbsp;This is true, in most cases when applying for a mortgage only the last 12-24 months are considered for credit evaluation. &nbsp;Any derogatory credit previous to the last 12-24 months can be disregarded provided the last 12-24 months have been good. &nbsp;There are many banks that cater to providing little or no money down mortgages to individuals with less that perfect credit.</p>  <p>Also, having not re-established your credit doesn&rsquo;t mean you cannot get a mortgage. &nbsp;There are  other means for a lender to establish credit history. &nbsp;For example, there are lenders which will let your rental payment history count for a credit history.</p></li><li><p><strong>Credit Counseling and Consumer Proposals can hurt your credit:</strong>  &nbsp;In&nbsp;certain&nbsp;instances,&nbsp;consumer proposals or credit counseling&nbsp;services may be a wise  decision.&nbsp;&nbsp;These services can provide education and help with debt problems. &nbsp;The Credit  Counseling Company will set a budget for the client based on their income and how much debt there  is to pay off.</p>  <p>Although credit counseling isn't <em>as bad</em> as bankruptcy it can still do a number on your credit file. &nbsp;Traditionally, bankruptcies will stay on your credit file for 7 years but credit counselling will stay there for 3 years. &nbsp;Every situation is unique, some require the person to claim bankruptcy while others require credit counselling. &nbsp;Just because you have had to go through credit counseling doesn't mean you can't get a mortgage. &nbsp;In fact, there are many lenders that will use your credit counseling payments as a credit rating.</p>  <p>Overall, credit counseling is an effective tool to reduce debt as long as the monthly obligations are met.</p>  </li><li><p><strong>Give yourself choice, don't force fit any products:</strong> &nbsp;The banking practices of the 1950's are long gone. &nbsp;Only about 15% of people in today's world get the service from the bank that everyone used to get (in the  50's). &nbsp;To get it today, you need to have big bucks which in turns means big profits for the bank. &nbsp;If you don't fall into that category, I would suggest that you get a mortgage broker who has the knowledge and programs available to meet your specific needs, rather than going to a bank and force fitting a product to your situation.</p>  <p>Most lenders only have one source of funds (their own bank). &nbsp;This type of  lender is forced to &ldquo;fit&rdquo; the customer into a pre-fabricated mortgage program.  &nbsp;They only have one or two different ways to handle the many different loan  situations that occur.&nbsp; &nbsp;It is important that you research your lender  and try to get everything in writing.&nbsp;&nbsp;Also, it is easy for the wrong lender to take advantage of the borrower because of the borrower&rsquo;s vulnerable position.&nbsp;&nbsp;Most first time home buyers need to be educated on the process of purchasing a home.&nbsp;&nbsp;I feel an educated borrower has the ability to make their own decision, a decision that is best for them.&nbsp;&nbsp;Often times a lender will make a decision for you based on the loan that will put the most money in their pocket. &nbsp;After all, we know that banks will only give you a better deal if another bank has already beat them. &nbsp;My question is always: &nbsp;Why not just give the best deal up front?</p></li><li><p><strong>Paying upfront costs before you know exactly what type of mortgage you're  being offered:</strong>  &nbsp;It is common some lenders to collect an application fee or an appraisal fee  before securing the mortgage for you. &nbsp;They do this to keep you loyal to them.&nbsp; &nbsp;Be very careful about what you pay for and when you pay it.&nbsp;&nbsp;Again, get  everything from the lender in writing and make sure you are comfortable before  you pay them any money.</p>  <p>I do not charge my customers anything during the initial loan process.&nbsp; &nbsp;Customers will only pay for these services after they know exactly what  type of mortgage they are getting and have been informed of all terms and  conditions. &nbsp;In most cases (approx. 95%) there are no fees for my clients to pay at all.</p></li><li><p><strong>Get Pre-Approved for your mortgage before you start shopping for a home:</strong>  &nbsp;Having a pre-approved mortgage can be very important.&nbsp;&nbsp;A pre-approval has  two major benefits.&nbsp;&nbsp;First, you will have piece of mind before you get serious  about buying a home.&nbsp;&nbsp;You will know how much of a house you can afford, what  the payments will be, and how much of a down payment is needed if any.&nbsp;&nbsp;Secondly,  having a pre-approval may give the buyer bargaining power when negotiating a  price for the home.</p>  <p>For example, if three buyers are looking at the same house, the seller will probably  look closer at the buyer who has been pre-approved.&nbsp;&nbsp;Also, getting pre-approved may  allow the buyer to get a better price for the property.</p>  <p>Get pre-approved.&nbsp; It could save you a lot of time and money.</p></li></ol>  <h3>You might have some questions. &nbsp;Here are some of the most common questions asked  by first time homebuyers.</h3>  <p><strong>How Do I Qualify?</strong></p>  <p>The first thing you do is fill out the <strong><u>Fast Track Response Form</u></strong> that I have  included in this package or go directly to <a href="https://www.moneytime.ca/applynow"> www.moneytime.ca/applynow</a> and fill in the online application.&nbsp;&nbsp;The more  information you give me in the beginning, the more accurate my response will be.&nbsp; &nbsp;Without question, the first step is to get pre-qualified.</p>  <p><strong>How Long Does It Take?</strong></p>  <p>I can have you qualified completely in 24 hours. &nbsp;In most cases I will know where  you stand and what it will take to get you where you want to be. &nbsp;The biggest delay  in most cases is usually the applicant: procrastination, laziness, failing to get the  necessary documentation together... &nbsp;These are the biggest delays in the process.</p>  <p><strong>How Much Does It Cost?</strong></p>  <p>Zero. &nbsp;The pre-qualification is a free service I offer to anyone interested in  purchasing a home.</p>  <p><strong>What are the interest Rates?</strong></p>  <p>Interest rates can change on a daily basis. &nbsp;My goal is to get you the best  mortgage possible. &nbsp;With access to over 40 different institutional lenders I have access to the most competitive rates in the industry.</p>  <p>Once you become a homeowner, I can help you lower your rate in the future if  interest rates drop. &nbsp;In many cases, I am able to get lower rates for those  borrowers who can barely qualify. &nbsp;In ALL cases, I will work to get you  the <em>absolute best possible program that comfortably fits YOUR needs.</em></p>  <p>I don&rsquo;t charge any upfront fee's for my services. &nbsp;I get paid a finders  fee from the lender. &nbsp;Once I have the facts surrounding your situation,  I&rsquo;ll know the closing costs and so will you. There are never any surprises!!!</p>  <p>I realize this is a lot of information to receive at once. &nbsp;I hope I have been able to show how many choices and options there are and how buying a home can be the largest investment of most people&rsquo;s lives. &nbsp;I recommend that you do  your homework and get a mortgage professional you can trust.</p>  <p>Again, my goal is to educate each and every client I speak with. &nbsp;If a  client is not able to purchase a house now, we develop a plan so they can buy  in the future. &nbsp;I can offer advice to help repair damaged credit.</p>  <p>Please take a serious look at what I can offer. &nbsp;A FREE CONSULTATION  TO FIND OUT WHAT TYPE OF MORTGAGE IS THE BEST FOR YOU WHEN PURCHASING A HOME!  This is a service that is FREE!</p>  <p>The consultations are typically done by phone and take about 10 minutes.  &nbsp;Some people feel more comfortable meeting in person. &nbsp;I also have  hours available in the evenings and Saturdays. &nbsp;I can&rsquo;t promise that  I can help everyone, but if you&rsquo;ll take a moment to look at the Fast Track  Response Form, you will see how easy this process actually is. &nbsp;Once  I review your situation, I can instantly give you an answer.</p> 			</td>

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	<input type="hidden" name="jd125c736a1452ca58c3224c1ebad7764" value="1" />
	</form>
			</div>
					</div>   <!--- sidebar2 --->
		</div>  <!-- mainbody -->			

<!-- 7 -->
		<div id="sidebar">
					</div>   <!-- sidebar1 -->

		<div id="footer">
			<p>&copy; 2007 Moneytime.ca Inc.</p>
			<p class="disclaimer">
				All mortgages are arranged through The Mortgage Alliance Company of Canada<br />

				TMACC Head Office:  200-2005 Sheppard Ave. E., Toronto, ON, M2J 5B4<br />
				* - No broker fees are charged to qualified borrowers when the lender pays a placement fee to Mortgage Alliance.</p>
		</div>
	</div>    <!-- container -->

</body>
</html>
Not enough room for the CSS, I'll post it in the next message.
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Old 03-14-2007, 11:34 PM Re: I'm having a problem with aligning div's
Webmaster Talker

Posts: 554
Here is the main CSS:
HTML Code:
/* CSS Document */

* {
	margin : 0;
	padding : 0;
}

h1 {
	font-size: 1.6em;
}

h4 {
	color: #A00000;
}

h1,h2,h3,h4,h5,h6 {
	margin-bottom: 1em;
}

a {
	color: #A00000;
	font-weight: bold;
	text-decoration: none;
}

a:hover {
	text-decoration: underline;
}

p {
	margin-bottom: 1em;
}

ol, ul {
	list-style-position: inside;
}

body {
	font: 76% Arial, Helvetica, sans-serif;
	background-color:#CCCCCC;
	color:#000040;
	behavior:url("/stylesheets/csshover.htc");
}

#container {
	text-align:left;
	width:780px;
	background-color:#D2C888;
	margin: 0px auto 0px auto;
	padding:0px;
	border: 1px solid #000060;
}

.clr {
	clear: both;
}

/* **************  HEADER   ******************* */

#header {
	width:780px;
	height:200px;
	background-image: url(../images/header_pics.jpg);
	background-position: right;
	background-repeat: no-repeat;
}

#header .slogan {
	font: bold 9pt Georgia, "Times New Roman", Times, serif;
	color: white;
}

#header .slogan2 {
	font: bold 12pt Arial, Helvetica, sans-serif;
	color: yellow;
}

#header .moduletable-header {
	color: white;
	width: 380px;
	height: 200px;
	background: #000060 url(../images/bg_header.jpg) left repeat-x;
	text-align: center;
}

#header .moduletable-resizer {
	position: absolute;
}

#logo {	
	border: 1px solid black;
	margin-top: 40px;
	margin-bottom: 5px;
}

/* *************  NAVIGATION MENU  **************** */

.moduletable-navmenu {
	background-color: #000040;
	color: white;
	font-size: 1em;
	font-weight: bold;
	text-decoration: none;
	line-height: 1.7em;
	height: 1.7em;
}

.moduletable-navmenu ul {
	margin: 0 auto;
	width: 98%;
	list-style-type: none;
}

.moduletable-navmenu li {
	float: left;
	position:relative;
	text-align:center;
	color:white;
	background-color:#000040;
	width: 16.6%;
}

.moduletable-navmenu ul li:hover {
	background-color: #A00000;
}

.moduletable-navmenu li ul {
	position:absolute;
	top:100%;
	left:0;
	display:none;
	width:160px;
	padding:6px 0px 2px 0px;
	background-color:white;
	border:2px solid #000040;
	border-top: 0px;
}

.moduletable-navmenu li > ul {
	top:auto;
	left:auto;
}

.moduletable-navmenu li:hover ul {
	display:block;
}

.moduletable-navmenu ul ul li {
	width: 100%;
	text-align:left;
	padding:2px 0 2px 0;
	color: #000040;
	background-color: white;
}

.moduletable-navmenu ul ul li:hover {
	background-color:#9D8A14;
}

.moduletable-navmenu ul ul li a {
	color:#000040;
	display:block;
	padding:0 10px 0 10px;
}

.moduletable-navmenu ul ul li a:hover {
	text-decoration:none;
}

.moduletable-navmenu a {
	color: white;
}


/*****************  LENDERS LIST  ****************/
.moduletable-lenders h3 {
	margin: 0 .3em 0 .3em;
	font-size: 1em;
	border-bottom: 2px solid darkblue;
	width: 95%;
	color: #A00000;
	font-style:italic;
}

#mainlevel-lenders {
	list-style-type: none;
	padding: 0 .5em 0 .5em;
}

#mainlevel-lenders a {
	font-weight: normal;
	color: #505050;
}

#mainlevel-lenders a:hover {
	color: #000040;
	font-weight:bold;
	text-decoration: none;
}
/* ***************  SIDE BAR  ****************** */

#sidebar {
	float: left;
	width: 21.5%;
	margin-top: 2em;
}

#mainlevel-productmenu {
	line-height: 1.9em;
	width: 100%;
	list-style-type: none;
	margin-bottom: 1.3em;
}

#mainlevel-productmenu li {
	background-image:url(../images/button.jpg);
	background-repeat:repeat-y;
	border-top: 1px solid #2424C1;
	border-bottom: 1px solid #060654;
	margin-top: 1px;
	padding: 0 10px;
}

#mainlevel-productmenu a {
	color: white;
}

/***************** MAIN BODY AREA  *****************/
#mainbody {
	float: right;	
	width: 73.4%;
	font: 1.1em/1.2em Arial, Helvetica, sans-serif;
	padding: 0 1.2em 1.2em 1em;
}

#pathway {
	margin-top: .4em;
	margin-bottom: .4em;
}

#content {
	width: 69%;
	float:left;
	margin-right: 1%;
}

#content h1 {
	margin-bottom: .3em;
}

#sidebar2 {
	float:right;
	width: 29%;
	padding-left: 1%;
}
	
/******************* FOOTER  *********************/
#footer {
	clear: both;
	text-align: center;
}

#footer .disclaimer {
	text-align: justify;
	padding: 1.5em;
	color: #505050;
	font-size: .9em;
}
Here is the dynamically loaded one:
HTML Code:
/* CSS Document */
/* This CSS file is used only if there isn't suppose to be a left column */

#mainbody {
	float: left;
	width:96.2%;
}

#content {
	margin: 0;
	width: 74.5%;
}

#sidebar {
	display: none;
}

#sidebar2 {
	width: 24%;
}
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Old 03-15-2007, 12:00 AM Re: I'm having a problem with aligning div's
ADAM Web Design's Avatar
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Posts: 5,945
Name: Adam for web page design, not program
Location: Toronto, Ontario, Canada
I suspect it's because something in the first CSS file is clashing with something in the second.

What happens when you load the second CSS file WITHOUT loading the first one? In other words, dynamically load the second CSS file?
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Old 03-18-2007, 10:48 PM Re: I'm having a problem with aligning div's
Webmaster Talker

Posts: 554
Because there is so much extra elements and values declared in the first CSS file, I haven't tried loading just the second file.

My understanding of CSS is that it will ONLY overwrite the CSS rules that are shown in file 2. Is that not correct?
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Old 03-19-2007, 12:25 AM Re: I'm having a problem with aligning div's
ADAM Web Design's Avatar
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Posts: 5,945
Name: Adam for web page design, not program
Location: Toronto, Ontario, Canada
In theory, yes. But there may be something else in the first file that's interfering with the second.
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Old 03-19-2007, 12:28 AM Re: I'm having a problem with aligning div's
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Posts: 554
Okay... i was looking at it a little more and I notice that I have two pages. One page is working fine and the other page isn't. The one that isn't working is posted in my original message and the one that is working is below:

If anyone can possibly throw this into their browser and see what is wrong, I would appreciate it.

This one is fine:
HTML Code:
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" lang="en" xml:lang="en">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1" />
<title>Interest rate | What are the closing costs | Mortgage lender | First time buyer</title>
<meta name="title" content="Interest rate | What are the closing costs | Mortgage lender | First time buyer" />
<meta name="author" content="Administrator" />
<meta name="description" content="Have you ever noticed when sitting in the chair at your bank that you tend to be lower than your mortgage officer.  The do this to add an intimidation factor!  This article will give you the arsenault you need to go to war with your lender.  Find out what questions you should ask, and then know 'em down because they won't know what hit 'em." />
<meta name="keywords" content="Interest rate,What are the closing costs,Mortgage lender,First time buyer, questions to ask, mortgage lender" />
<meta name="Generator" content="Joomla! - Copyright (C) 2005 - 2006 Open Source Matters. All rights reserved." />
<meta name="robots" content="index, follow" />
	<link rel="shortcut icon" href="http://localhost/joomla/images/favicon.ico" />
	<script type="text/javascript" src="http://localhost/joomla/templates/moneytime/js/md_fontsizer.js"></script>

<link href="templates/moneytime/css/css_layout.css" rel="stylesheet" type="text/css" media="screen" />
<link href="templates/moneytime/css/css_noleftside.css" rel="stylesheet" type="text/css" media="screen" />
			<link href="templates/moneytime/css/css_content.css" rel="stylesheet" type="text/css" media="screen" />
</head>

<body>
	<div id="container">
<!-- 1 -->
		<div id="header">		<div class="moduletable-resizer">
			<a href="index.php" title="Increase Font Size" onclick="changeFontSize(1);return false;"><img src="templates/moneytime/images/font_up.jpg" border="0" alt="Increase Font Size" title="Increase Font Size" width="28" height="15" /></a><a href="index.php" title="Decrease Font Size" onclick="changeFontSize(-1);return false;"><img src="templates/moneytime/images/font_down.jpg" border="0" alt="Decrease Font Size" title="Decrease Font Size" width="28" height="15" /></a><a href="index.php" title="Reset Font Size" onclick="revertStyles(); return false;"><img src="templates/moneytime/images/font_reset.jpg" border="0" alt="Reset Size" title="Reset Size" width="44" height="15" /></a> 		</div>

				<div class="moduletable-header">
			<p><img id="logo" src="templates/moneytime/images/logo.gif" alt="Moneytime.ca Logo - Mortgage Alliance" title="Mortgage Alliance - Mortgage Brokers" width="229" height="82" /></p><p class="slogan"><em>Competitive Mortgages.&nbsp; Competitive Choices.</em></p><p class="slogan2">Toll Free:&nbsp; 1- 866- 257- 0158&nbsp;</p>		</div>
		</div>
<!-- 2 -->
				<div class="moduletable-navmenu">
			<ul  id="mainlevel-navmenu"><li><a href="http://localhost/joomla/index.php?option=com_frontpage&amp;Itemid=1" class="mainlevel-navmenu" id="active_menu-navmenu">Home</a></li><li><a href="http://localhost/joomla/index.php?option=com_content&amp;task=blogcategory&amp;id=13&amp;Itemid=30" class="mainlevel-navmenu">Residential</a></li></ul>		</div>

						
<!-- 3 -->
		<div id="mainbody">
			<div id="pathway">
				<span class="pathway">Home </span>			</div>

			<div id="content">				
					
		<table class="contentpaneopen">
				<tr>
			<td valign="top" colspan="2">

				<div class="Section1">              <h1>9 Questions you need