html, body {
    height: 100vh;
    margin: 0;
    padding: 0;
    font-family: Arial, sans-serif;
    background-color: #f4f4f4;
    color: #333;
    display: flex;
    flex-direction: column;
}
body {
    min-height: 100%;
}
header {
    background-color: #001f3f;
    color: white;
    padding: 20px 0;
    text-align: center;
}
.disclaimer {
    background-color: #ffdc00;
    color: #001f3f;
    padding: 10px;
    text-align: center;
    font-size: 1em;
    font-weight: bold;
}
nav {
    background-color: #003366;
    padding: 10px 0;
}
nav ul {
    list-style: none;
    margin: 0;
    padding: 0;
    text-align: center;
}
nav ul li {
    display: inline;
    margin: 0 15px;
}
nav ul li a {
    color: white;
    text-decoration: none;
    font-weight: bold;
}
nav ul li a:hover {
    text-decoration: underline;
}
main {
    flex: 1 0 auto;
    max-width: 1200px;
    margin: 0 auto;
    padding: 20px;
    background: white;
    box-shadow: 0 0 10px rgba(0,0,0,0.1);
}
section {
    margin-bottom: 40px;
}
h1, h2 {
    color: #001f3f;
}
footer {
    background-color: #001f3f;
    color: white;
    text-align: center;
    padding: 10px 0;
    flex-shrink: 0;
}
.cta-button {
    background-color: #ffdc00;
    color: #001f3f;
    padding: 10px 20px;
    text-decoration: none;
    border-radius: 5px;
    font-weight: bold;
    display: inline-block;
    margin-top: 10px;
}
.cta-button:hover {
    background-color: #e6cc00;
}