:root {
  --bg: #f6f8fb;
  --surface: #ffffff;
  --text: #1f2937;
  --muted: #5f6b7a;
  --primary: #0f5b8c;
  --primary-dark: #0b4165;
  --border: #dbe3ee;
  --shadow: 0 18px 45px rgba(15, 35, 55, 0.10);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
}
a { color: var(--primary); }
.container {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
}
.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 20;
}
.header-inner {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  font-weight: 800;
  font-size: 1.25rem;
  text-decoration: none;
  color: var(--primary-dark);
  letter-spacing: .04em;
}
.main-nav {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 8px 18px;
}
.main-nav a {
  text-decoration: none;
  color: var(--text);
  font-weight: 600;
  font-size: .95rem;
}
.main-nav a.active,
.main-nav a:hover { color: var(--primary); }
.hero {
  background: linear-gradient(135deg, #eaf4fb 0%, #ffffff 100%);
  padding: 72px 0 56px;
  border-bottom: 1px solid var(--border);
}
.eyebrow {
  color: var(--primary);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .08em;
  font-size: .82rem;
  margin: 0 0 8px;
}
h1 {
  font-size: clamp(2rem, 4vw, 3.4rem);
  line-height: 1.1;
  margin: 0 0 18px;
  color: #12344d;
}
.lead {
  max-width: 780px;
  font-size: 1.15rem;
  color: var(--muted);
  margin: 0 0 18px;
}
.updated {
  color: var(--muted);
  margin: 0;
}
.content {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 28px;
  padding: 40px 0 64px;
}
.toc {
  position: sticky;
  top: 96px;
  align-self: start;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 20px;
  box-shadow: var(--shadow);
}
.toc h2 {
  font-size: 1rem;
  margin: 0 0 12px;
}
.toc a {
  display: block;
  padding: 8px 0;
  text-decoration: none;
  color: var(--muted);
  border-bottom: 1px solid #eef2f7;
}
.toc a:hover { color: var(--primary); }
.policy-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 22px;
  padding: clamp(24px, 4vw, 44px);
  box-shadow: var(--shadow);
}
.policy-card section {
  padding: 10px 0 28px;
  border-bottom: 1px solid #edf2f7;
}
.policy-card section:last-child { border-bottom: 0; }
.policy-card h2 {
  color: #12344d;
  margin: 0 0 12px;
  line-height: 1.25;
}
ul { padding-left: 22px; }
li { margin-bottom: 8px; }
.note {
  border-left: 4px solid var(--primary);
  background: #eef7fc;
  padding: 12px 14px;
  border-radius: 10px;
}
.cta-box {
  background: #eef7fc;
  border-radius: 18px;
  padding: 24px !important;
  margin-top: 8px;
}
.button {
  display: inline-block;
  background: var(--primary);
  color: #fff;
  text-decoration: none;
  font-weight: 700;
  padding: 12px 18px;
  border-radius: 999px;
}
.button:hover { background: var(--primary-dark); }
.site-footer {
  background: #102a3c;
  color: #d9e6ef;
  padding: 28px 0;
}
.footer-inner {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
}
.site-footer a { color: #ffffff; }
@media (max-width: 850px) {
  .header-inner { align-items: flex-start; flex-direction: column; padding: 16px 0; }
  .main-nav { justify-content: flex-start; }
  .content { grid-template-columns: 1fr; }
  .toc { position: static; }
}