body {
  margin:0;
  border:0;
  padding:0px;
  height:100%;
  max-height:100%; 
  font-family:arial, verdana, sans-serif;
  font-size:80%;
  overflow: hidden;
  text-align: center;
  min-width: 760px;
  background:#fff;
/*   background:#eee; */
/*   background: url(../images/bgtopfade.gif) left top; */
  }
<!--
A:link {text-decoration: none; color: #000080;}
A:visited {text-decoration: none; color: #000080;}
A:hover {text-decoration: bold;}
.news A:link {text-decoration: none; color: #000080;}
.news A:visited {text-decoration: none; color: #000080;}
.news A:hover {text-decoration: bold;}
.Navlink {COLOR: #000080; TEXT-DECORATION: none; font-family: verdana; font-size: 8pt; font-weight: bold;}
a:link.Navlink {color : #000080;}
a:visited.Navlink {color : #000080;}
a:active.Navlink {text-decoration: none;}
a:hover.Navlink {text-decoration: none; color: #000080;}
.sten { font-family: "Stencil"; font-size: 3pt; }
-->
#header {
  position:absolute;
  top:0;
  left:10px;
  right: 0px;
  height:195px;
/*   overflow:hidden; */
  text-align:center;
  padding-top: 5px;
  padding-bottom: 2px;
  padding-left: 2px;
  padding-right: 2em;
  }

#footer {
  position:absolute;
  bottom:0px;
  left:10px;
  right: 0px;
  height:150px;
  overflow:hidden;
  text-align:center;
  padding-top: 2px;
  padding-bottom: 2px;
  padding-left: 2em;
  padding-right: 2em;
  }
#contents {
  position:fixed;
  top:195px;
  right: 0px;
  bottom:2px;
  left: 10px;
  text-align:left;
  text-size:2;
  margin: 0 20px;
  overflow:auto;
  padding-top: 2px;
  padding-bottom: 2px;
  padding-left: 2em;
  padding-right: 2em;
  }
* h1 {
  text-align:center;
  }

.columnwrap {
  display: block;
  float: left;
  height: 50%;
/*   background-color: red; */
  margin-top: 3px;
  margin-bottom: 3px;
  width: 50%;
}

/* for internet explorer */

/* * html body {
  padding:150px 0 125px 0;
  }

* html #contents {
  height:100%;
  width:100%;
  } */