/* Global styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    font-family: 'Arial', sans-serif;
}

body {
    background-color: #f9f9f9;
    color: #333;
    line-height: 1.6;
}

.container {
    width: 80%;
    margin: 0 auto;
}

/* Header */
header {
    background-color: #004aad;
    color: white;
    padding: 20px 0;
    text-align: center;
}

header h1 {
    font-size: 2.5rem;
}

header .effective-date {
    font-size: 1rem;
    font-style: italic;
}

/* Main content */
main {
    padding: 40px 0;
}

h2 {
    color: #004aad;
    font-size: 1.8rem;
    margin-top: 20px;
}

h3 {
    color: #333;
    font-size: 1.3rem;
    margin-top: 15px;
}

ul {
    margin-left: 20px;
    list-style-type: disc;
}

ul li {
    margin: 5px 0;
}

a {
    color: #004aad;
    text-decoration: none;
}

a:hover {
    text-decoration: underline;
}

/* Footer */
footer {
    background-color: #333;
    color: white;
    padding: 20px 0;
    text-align: center;
    font-size: 1rem;
}

footer p {
    margin-top: 10px;
}