body {
    font-family: Arial, sans-serif;
    margin: 0;
    padding: 0;
    /*background-color: #f9f9f9;*/
    background: url(../Images/Backgrounds/background_5.jpg);
    color: #333;
}
header {
    background-color: #F87B1B;
    color: white;
    text-align: center;
    padding: 20px;
}
header h1 {
    margin: 0;
    font-size: 2.5em;
}
.effective-date {
    font-size: 1em;
    margin-top: 5px;
}
main {
    max-width: 800px;
    margin: 20px auto;
    padding: 20px;
    background: #CBD99B;
    box-shadow: 0 0 10px rgba(0,0,0,0.1);
}
h2 {
    color: #11224E;
    margin-top: 20px;
}
p, li {
    line-height: 1.6;
    /*font-size: 1.1em;*/
    font-size: 15px;
}
footer {
    text-align: center;
    padding: 10px;
    background-color: #F87B1B;
    color: white;
    position: fixed;
    width: 100%;
    bottom: 0;
}
 section {
    padding: 40px 20px;
    max-width: 800px;
    margin: auto;
    background-color: #CBD99B;
}
section h2 {
    color:  #11224E;
    border-bottom: 2px solid #CBD99B;
    padding-bottom: 10px;
}
section p, section ul {
    font-size: 1.1em;
    line-height: 1.6;
        }