body {
  margin: 0;
  font-family: "Helvetica Neue", Arial, sans-serif;
  color: #333;
  line-height: 1.6;
}
.banner {
  background: #004080 url('banner.jpg') center/cover no-repeat;
  color: #fff;
  text-align: center;
  padding: 80px 20px;
}
.banner h1 {
  font-size: 2.4rem;
  margin: 0 0 10px;
}
.banner p {
  font-size: 1.2rem;
}
.intro {
  display: flex;
  justify-content: space-around;
  padding: 40px 20px;
}
.card {
  max-width: 300px;
  text-align: center;
}
.card h2 {
  font-size: 1.2rem;
  color: #004080;
}
.contact-info {
  text-align: center;
  padding: 20px;
  background: #f5f5f5;
}
.disclaimer {
  font-size: 0.9rem;
  text-align: center;
  padding: 10px;
  background: #ffe6e6;
  color: #800000;
}