:root {
      --blue: #254a73;
      --blue-dark: #17314d;
      --green: #7a9b55;
      --cream: #f7f2e8;
      --sand: #efe4d0;
      --ink: #17222f;
      --muted: #66717f;
      --white: #ffffff;
      --shadow: 0 18px 50px rgba(23, 49, 77, .14);
      --radius: 24px;
    }

    * { box-sizing: border-box; }

    html { scroll-behavior: smooth; }

    body {
      margin: 0;
      font-family: Arial, Helvetica, sans-serif;
      color: var(--ink);
      background: linear-gradient(180deg, #fff 0%, var(--cream) 44%, #fff 100%);
      line-height: 1.55;
    }

    a { color: inherit; text-decoration: none; }

    img { display: block; max-width: 100%; }

    .topbar {
      background: var(--blue-dark);
      color: rgba(255,255,255,.88);
      font-size: 14px;
    }

    .topbar-inner,
    .nav-inner,
    .section,
    .hero {
      width: min(1100px, calc(100% - 32px));
      margin: 0 auto;
    }

    .topbar-inner {
      min-height: 42px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 16px;
    }

    .topbar strong { color: #fff; font-weight: 700; }

    .topbar-contact {
      display: inline-flex;
      align-items: center;
      gap: 14px;
    }

    header {
      position: sticky;
      top: 0;
      z-index: 20;
      background: rgba(255,255,255,.92);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid rgba(23,49,77,.08);
    }

    .nav-inner {
      height: 76px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 28px;
    }

    .brand {
      display: flex;
      align-items: center;
      gap: 12px;
      font-weight: 800;
      letter-spacing: -.02em;
      color: var(--blue-dark);
      font-size: 22px;
    }

    .brand-mark {
      width: 42px;
      height: 42px;
      border-radius: 14px;
      background: linear-gradient(135deg, var(--blue), var(--green));
      display: grid;
      place-items: center;
      color: #fff;
      box-shadow: 0 10px 22px rgba(37,74,115,.22);
      font-weight: 900;
    }

    nav {
      display: flex;
      align-items: center;
      gap: 26px;
      color: var(--blue-dark);
      font-weight: 700;
      font-size: 15px;
    }

    nav a { opacity: .82; }
    nav a:hover { opacity: 1; color: var(--green); }

    .nav-cta,
    .btn-primary,
    .btn-secondary {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      min-height: 46px;
      padding: 0 20px;
      border-radius: 999px;
      font-weight: 800;
      transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
    }

    .nav-cta,
    .btn-primary {
      background: var(--green);
      color: #fff;
      box-shadow: 0 12px 26px rgba(122,155,85,.24);
    }

    .btn-secondary {
      color: var(--blue-dark);
      background: #fff;
      border: 1px solid rgba(23,49,77,.13);
    }

    .nav-cta:hover,
    .btn-primary:hover,
    .btn-secondary:hover {
      transform: translateY(-2px);
      box-shadow: var(--shadow);
    }

    .nav-cta:hover,
    .nav-cta:focus-visible {
      background: #5f803e;
      color: #fff;
      outline: none;
    }

    footer {
      background: var(--blue-dark);
      color: rgba(255,255,255,.72);
      padding: 30px 0;
      margin-top: 36px;
    }

    .footer-inner {
      width: min(1100px, calc(100% - 32px));
      margin: 0 auto;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 18px;
    }

    footer strong { color: #fff; }


    .footer-links {
      width: min(1100px, calc(100% - 32px));
      margin: 18px auto 0;
      display: flex;
      flex-wrap: wrap;
      gap: 12px 24px;
      font-size: 14px;
    }
    .footer-links a { text-decoration: underline; text-underline-offset: 3px; }
    .policy-main { width: min(900px, calc(100% - 32px)); margin: 48px auto; }
    .policy-document { padding: clamp(24px, 5vw, 56px); background: #fff; border: 1px solid var(--sand); border-top: 5px solid var(--sand); border-radius: var(--radius); box-shadow: var(--shadow); }
    .policy-document h1 { margin: 0 0 16px; color: var(--blue-dark); font-size: clamp(28px, 4vw, 42px); line-height: 1.2; letter-spacing: -.03em; overflow-wrap: anywhere; }
    .policy-document h2 { margin: 32px 0 12px; color: var(--blue-dark); font-size: 22px; line-height: 1.3; }
    .policy-document p, .policy-document li { margin-top: 0; margin-bottom: 16px; }
    .policy-document ul { padding-left: 24px; }
    .policy-document a { color: var(--blue); text-decoration: underline; overflow-wrap: anywhere; }
    .effective-date { color: var(--muted); padding-bottom: 20px; border-bottom: 1px solid var(--sand); }
    .policy-contact { margin: 24px 0 0; color: var(--muted); font-style: normal; }
    .policy-contact a { text-decoration: underline; overflow-wrap: anywhere; }
    @media (max-width: 920px) {
      .nav-inner { height: auto; padding: 18px 0; flex-wrap: wrap; }
      nav { flex-wrap: wrap; gap: 14px; }
    }
    @media (max-width: 680px) {
      .topbar-inner, .nav-inner, .footer-inner { align-items: flex-start; flex-direction: column; }
      .policy-main { margin: 28px auto; }
    }