:root{
    --navy:#0B2653;--gold:#C99A2E;--gold-dark:#B0851F;--ink:#0B2653;
    --text:#48526A;--muted:#79839A;--bg-soft:#F7F9FC;--line:#E7ECF4;
    --ease:cubic-bezier(.22,.61,.36,1);
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{font-family:"Inter",system-ui,-apple-system,sans-serif;color:var(--text);line-height:1.75;background:#fff;-webkit-font-smoothing:antialiased}
  a{color:inherit;text-decoration:none}
  img{max-width:100%;display:block}
  .wrap{max-width:1180px;margin:0 auto;padding:0 28px}
  .doc{max-width:780px;margin:0 auto;padding:0 24px}
  .zero{font-family:"Inter",sans-serif;font-feature-settings:"zero" 1;font-weight:inherit;font-size:.88em;letter-spacing:-.01em}

  .btn{display:inline-flex;align-items:center;gap:9px;font-weight:600;font-size:15px;padding:14px 26px;border-radius:10px;border:1.5px solid transparent;cursor:pointer;transition:transform .25s var(--ease),background .2s,border-color .2s,box-shadow .25s;white-space:nowrap}
  .btn .arr{font-size:13px;transition:transform .25s var(--ease)}
  .btn:hover .arr{transform:translate(2px,-2px)}
  .btn-gold{background:var(--gold);color:#fff;border-color:var(--gold);box-shadow:0 10px 24px -12px rgba(201,154,46,.7)}
  .btn-gold:hover{background:var(--gold-dark);border-color:var(--gold-dark);transform:translateY(-2px)}

  /* Header */
  header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.85);backdrop-filter:blur(14px);border-bottom:1px solid transparent;transition:border-color .3s,box-shadow .3s,background .3s}
  header.scrolled{border-color:var(--line);box-shadow:0 6px 24px -18px rgba(11,38,83,.4);background:rgba(255,255,255,.92)}
  .nav{display:flex;align-items:center;justify-content:space-between;height:74px}
  .brand{display:flex;align-items:center;gap:11px;font-weight:700;font-size:21px;color:var(--ink);letter-spacing:-.01em}
  .brand img{width:33px;height:33px;object-fit:contain}
  .nav-links{display:flex;align-items:center;gap:32px}
  .nav-links a{font-size:14.5px;font-weight:500;color:#2C3A56;position:relative;padding:5px 0;transition:color .2s}
  .nav-links a:hover{color:var(--navy)}
  .nav-cta .btn{padding:11px 20px;font-size:14px}
  .burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
  .burger span{width:24px;height:2px;background:var(--navy);border-radius:2px;transition:.3s}
  .mobile-menu{display:none;flex-direction:column;padding:10px 28px 24px;border-top:1px solid var(--line);background:#fff}
  .mobile-menu.open{display:flex}
  .mobile-menu a{padding:13px 0;font-size:15px;font-weight:500;border-bottom:1px solid var(--bg-soft)}
  .mobile-menu .btn{margin-top:16px;justify-content:center}

  /* Document content */
  main{padding:64px 0 88px}
  h1{font-family:"Playfair Display",serif;font-size:clamp(30px,5vw,42px);color:var(--ink);margin-bottom:8px;letter-spacing:-.012em}
  .updated{font-size:13px;color:var(--muted);margin-bottom:30px}
  .intro{font-size:15.5px;color:var(--text);margin-bottom:34px}
  h2{font-family:"Playfair Display",serif;font-size:21px;color:var(--ink);margin:34px 0 10px}
  p{margin-bottom:14px}
  ul{margin:0 0 14px 22px}
  li{margin-bottom:7px}
  a.inl{color:var(--navy);text-decoration:underline;text-underline-offset:2px}
  a.inl:hover{color:var(--gold-dark)}
  .callout{background:#FBF4E1;border:1px solid #EAD9A6;color:#6E5613;border-radius:14px;padding:18px 20px;font-size:14.5px;margin:24px 0}
  .toc{background:var(--bg-soft);border:1px solid var(--line);border-radius:14px;padding:22px 24px;margin-bottom:36px}
  .toc h3{font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:12px;font-weight:600}
  .toc ol{margin-left:18px;font-size:14.5px}
  .toc li{margin-bottom:6px}

  /* Footer */
  footer{background:var(--navy);color:#C5D0E4;padding:72px 0 30px;position:relative;overflow:hidden}
  footer::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold),transparent 60%)}
  .foot-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1.3fr;gap:44px}
  .foot-brand .b{display:flex;align-items:center;gap:11px;font-family:"Playfair Display",serif;font-size:23px;font-weight:700;color:#fff;margin-bottom:16px}
  .foot-brand .b .mk{display:flex;align-items:center;justify-content:center}
  .foot-brand .b .mk img{width:30px;height:30px;object-fit:contain;filter:brightness(0) invert(1)}
  .foot-brand p{font-size:14px;color:#9DAFCC;max-width:290px;margin-bottom:20px;line-height:1.7}
  .copy{font-size:13px;color:#7A8CAE}
  footer h4{color:#fff;font-family:"Inter",sans-serif;font-size:12.5px;letter-spacing:.13em;text-transform:uppercase;font-weight:600;margin-bottom:20px}
  footer ul{list-style:none;display:flex;flex-direction:column;gap:12px;margin:0}
  footer ul a{font-size:14px;color:#AEBDD8;transition:color .2s,padding .2s}
  footer ul a:hover{color:#fff;padding-left:4px}
  .foot-contact p{font-size:14px;margin-bottom:12px;color:#AEBDD8}
  .foot-contact a:hover{color:#fff}
  .foot-disclaimer{border-top:1px solid rgba(255,255,255,.12);margin-top:44px;padding-top:24px;font-size:12px;line-height:1.7;color:#8295B4;max-width:980px}
  .foot-bottom{margin-top:24px;padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:13px;color:#7A8CAE}

  @media (max-width:980px){
    .nav-links,.nav-cta{display:none}
    .burger{display:flex}
    .foot-grid{grid-template-columns:1fr 1fr}
  }
  @media (max-width:640px){
    .wrap{padding:0 18px}
    .foot-grid{grid-template-columns:1fr;gap:30px}
    .foot-bottom{flex-direction:column;gap:6px}
  }