.disclaimer {
  font-size: 12px;           /* keep it small */
  color: #666;               /* softer gray */
  line-height: 1;          /* better spacing */
  margin-top: 20px;
  padding-top: 8px;
  border-top: 1px solid #ccc;
  text-align: justify;
}

.disclaimer h4 {
  font-size: 13px;           /* slightly larger than text */
  font-weight: bold;
  margin-bottom: 4px;
  color: #333;
  margin-top:200px;
}