.footer {
  padding: 40px;
  background-color: #2b2b2b;
  font-family: Arial, Helvetica, sans-serif;
  color: #999999;
}

.banner {
  margin: auto;
  max-width: 850px;
}

.disclaimer {
  margin-top: 30px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: auto;
  padding-bottom: 15px;
  max-width: 850px;
  height: 400px;
}

.links {
  float: left;
}


.copyright {
  float: right;
}

a, a:hover {
  color: #999999;
  text-decoration: none;  
}