Best Background Color and Text Color?

HuntAssuranceGroup

Super Genius
100+ Post Club
I am taking an online web design course through our local community college and its wonderful. With that in mind, can yall give me your thoughts/input on the best website background color? And text color? Thanks in advance.
 
blue or green for background. vertical gradient.

dark grey or black for text, headers can vary different shades of a color, depending on color scheme of site.
 

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