body {
            font-family: 'Arial', sans-serif;
            line-height: 1.6;
            color: #333;
            margin: 0;
            padding: 0;
            background-color: #f9f9f9;
        }
        main {
            padding-top: 80px;
            padding-bottom: 50px;
        }
        .container {
            max-width: 1140px;
            margin: 0 auto;
            padding: 0 20px;
        }
        h1 {
            color: #00529b;
            border-bottom: 2px solid #00529b;
            padding-bottom: 10px;
            margin-bottom: 30px;
        }
        h2 {
            color: #00529b;
            margin-top: 40px;
            padding-top: 10px;
            border-top: 1px solid #eaeaea;
        }
        .section-nav {
            background-color: #f2f7fc;
            padding: 20px;
            border-radius: 5px;
            margin-bottom: 30px;
        }
        .section-nav ul {
            list-style-type: none;
            padding: 0;
        }
        .section-nav li {
            margin-bottom: 10px;
        }
        .section-nav a {
            color: #00529b;
            text-decoration: none;
        }
        .section-nav a:hover {
            text-decoration: underline;
        }
        .effective-date {
            font-style: italic;
            color: #666;
            margin-bottom: 30px;
        }
        .risk-warning {
            background-color: #fff8e1;
            padding: 15px;
            border-left: 4px solid #ffc107;
            margin: 20px 0;
        }