body { font-family: Arial, sans-serif; line-height: 1.6; color: #333; margin: 0; padding: 0; }
.disclaimer-banner { background: #fff3cd; border-bottom: 2px solid #ffecb5; padding: 15px; text-align: center; font-size: 0.9rem; }
header { background: #1e3a8a; color: #fff; padding: 1rem 5%; }
.main-nav { display: flex; justify-content: space-between; align-items: center; }
.hero { padding: 4rem 5%; background: #f8fafc; text-align: center; }
.cta-button { display: inline-block; padding: 12px 24px; background: #2563eb; color: #fff; text-decoration: none; border-radius: 4px; font-weight: bold; margin-top: 20px; }
.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 20px; padding: 2rem 5%; }
.card { border: 1px solid #e2e8f0; padding: 20px; border-radius: 8px; }
.process-steps { padding: 2rem 5%; background: #f1f5f9; }
footer { padding: 2rem 5%; background: #1e293b; color: #cbd5e1; font-size: 0.8rem; text-align: center; }
.disclaimer-footer { background: #475569; padding: 10px; margin-bottom: 10px; color: #fff; }