ul {
  list-style-type: none;
  margin: 0px;
  padding: 0px;
  overflow: hidden;
  background-color:sandybrown;
  border-bottom: 3px bisque;
}
li {
  float:left;
}
li a {
  display: block;
  color: black;
  font-family:"Helvetica";
  text-align: center;
  padding: 14px 16px;
  text-decoration: none;
}
li a:hover{
  background-color: bisque;
}
body, html {
  height: 100%;
  margin: 0px;
}
.benjamin {
  background-image: url(images/hands.jpg);
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;
  position: relative;
  background-attachment: fixed;
  height: 40%;
}
.insurance {
  background-image: url(images/insurance.jpg);
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;
  background-attachment: fixed;
  position: relative;
  height: 40%;
}
.investment {
  background-image: url(images/investment.jpg);
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;
  background-attachment: fixed;
  position: relative;
  height: 40%;
}
.about {
  background-image: url(images/about.jpg);
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;
  background-attachment: fixed;
  position: relative;
  height: 40%;
}
.references {
  background-image: url(images/faq.jpg);
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;
  background-attachment: fixed;
  position: relative;
  height: 40%;
}
.contact {
  background-image: url(images/contact.jpg);
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;
  background-attachment: fixed;
  position: relative;
  height: 40%;
}
.banking {
  background-image: url(images/banking.jpg);
  background-position: center;
  background-repeat: no-repeat;
  background-size: cover;
  background-attachment: fixed;
  position: relative;
  height: 40%;
}
.title {
  font-family: "Nanum Gothic", sans-serif;
  text-align: center;
  color: burlywood;
  padding-top: 2em;
}
.home {
    font-family: "Nanum Gothic", sans-serif;
    font-size: 3em;
    color: white;
    text-align: center;
}
.line {
  font-family: "Nanum Gothic", sans-serif;
  font-size: 2em;
  text-align: left;
  color: bisque;
  padding-bottom: 1em; 
}
.text {
  font-family: "Nanum Gothic", sans-serif;
  font-size: 1.5em;
  text-align: center;
  color: beige;
  padding-bottom: 0.5em; 
}
.signature {
  font-family: "Nanum Gothic", sans-serif;
  font-size: 2em;
  text-align: right;
  color: bisque;
  padding-bottom: 1em; 
}
td {
  font-size: 1.75em;
  font-family: 'Nanum Gothic',sans-serif;
  color: sandybrown;
  margin-left: 5em;
  margin-right: 5em;
  padding: 1em;
}
table {
    border-collapse: collapse;
    border-style: solid;
    border-color: sandybrown;
    border-width: 2px;
    border-spacing: 0px;
    display: inline-block;
    margin-top: 5%;
}
.crossline1 {
  font-family: "Nanum Gothic", sans-serif;
  font-size: 2em;
  text-align: center;
  color: sandybrown;
  padding-bottom: 1em;
}
.crossline2 {
  font-family: "Nanum Gothic", sans-serif;
  font-size: 1.5em;
  text-align: center;
  color: sandybrown;
  padding-bottom: 1em;
}
.bottomtext {
  padding-bottom: 4em;
  padding-top: 4em;
  padding-left: 10em;
  padding-right: 4em;
  background-color: sandybrown;
}
.paragraph {
  padding-bottom: 2em;
  padding-top: 2em;
  padding-left: 10em;
  padding-right: 4em;
  background-color: bisque;
}
img:hover {
  opacity:0.5;
}