:root{
  --navy:#061B4E;
  --navy-2:#03112F;
  --blue:#003A8C;
  --royal:#0B4FA3;
  --crimson:#E3343A;
  --crimson-dark:#B91C2B;
  --gold:#D8B35A;
  --gold-soft:#FFF4D1;
  --sky:#EAF4FF;
  --soft-blue:#F5F9FF;
  --ink:#101828;
  --text:#344054;
  --muted:#667085;
  --border:#D9E2F2;
  --white:#FFFFFF;
  --shadow:0 24px 70px rgba(6,27,78,.18);
  --shadow-soft:0 12px 32px rgba(6,27,78,.12);
  --radius-xl:28px;
  --radius-lg:20px;
  --radius-md:14px;
  --max:1180px;
  --focus:0 0 0 4px rgba(227,52,58,.22);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:104px}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:linear-gradient(180deg,#fff 0%,#f7fbff 38%,#eef6ff 100%);line-height:1.72;text-rendering:optimizeLegibility}
body.locked{overflow:hidden}
a{color:inherit;text-decoration:none}
a:hover{color:var(--crimson)}
img{max-width:100%;display:block}
button,input,textarea,select{font:inherit}
.container{width:min(var(--max),calc(100% - 40px));margin-inline:auto}
.narrow{width:min(900px,calc(100% - 40px));margin-inline:auto}
.skip-link{position:absolute;left:-999px;top:12px;background:#fff;color:var(--navy);padding:12px 16px;border-radius:10px;z-index:9999;font-weight:800;box-shadow:var(--shadow-soft)}
.skip-link:focus{left:16px;outline:none;box-shadow:var(--focus)}
.progress{position:fixed;top:0;left:0;height:4px;width:0;background:linear-gradient(90deg,var(--crimson),var(--gold));z-index:9999}
.topbar{background:var(--navy-2);color:#D8E8FF;font-size:.88rem;border-bottom:1px solid rgba(255,255,255,.08)}
.topbar .container{display:flex;justify-content:space-between;gap:18px;align-items:center;padding:8px 0;flex-wrap:wrap}
.topbar a{color:#D8E8FF}
.site-header{position:sticky;top:0;z-index:1000;background:rgba(6,27,78,.92);backdrop-filter:blur(18px);border-bottom:1px solid rgba(255,255,255,.14);transition:.25s ease}
.site-header.is-scrolled{box-shadow:0 14px 36px rgba(3,17,47,.26)}
.header-inner{height:86px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.brand{display:flex;align-items:center;gap:13px;color:#fff;min-width:230px;font-weight:900;letter-spacing:.02em;text-transform:uppercase;line-height:1.18;font-family:Georgia,"Times New Roman",serif}
.brand img{width:62px;height:62px;object-fit:contain;filter:drop-shadow(0 8px 18px rgba(0,0,0,.32))}
.brand span{font-size:.98rem}
.nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.nav a{color:#F7FBFF;font-size:.96rem;font-weight:760;padding:12px 12px;border-radius:999px;position:relative}
.nav a:hover,.nav a[aria-current="page"]{color:#fff;background:rgba(255,255,255,.09)}
.nav a[aria-current="page"]::after{content:"";position:absolute;left:20px;right:20px;bottom:4px;height:2px;background:var(--crimson);border-radius:99px}
.header-actions{display:flex;align-items:center;gap:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;border-radius:999px;padding:13px 19px;font-weight:900;line-height:1.15;cursor:pointer;transition:transform .2s ease,box-shadow .2s ease,background .2s ease;color:inherit;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:linear-gradient(135deg,var(--crimson),var(--crimson-dark));color:#fff;box-shadow:0 16px 32px rgba(227,52,58,.25)}
.btn-primary:hover{color:#fff;box-shadow:0 20px 42px rgba(227,52,58,.32)}
.btn-secondary{background:#fff;color:var(--navy);border:1px solid rgba(255,255,255,.42);box-shadow:0 10px 28px rgba(6,27,78,.16)}
.btn-outline{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35)}
.btn-light{background:#fff;color:var(--navy)}
.menu-toggle{display:none;width:46px;height:46px;border-radius:50%;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.08);position:relative;color:#fff}
.menu-toggle span,.menu-toggle::before,.menu-toggle::after{content:"";position:absolute;left:13px;right:13px;height:2px;background:#fff;border-radius:4px;transition:.2s ease}
.menu-toggle span{top:22px}.menu-toggle::before{top:15px}.menu-toggle::after{top:29px}
.menu-toggle[aria-expanded="true"] span{opacity:0}.menu-toggle[aria-expanded="true"]::before{top:22px;transform:rotate(45deg)}.menu-toggle[aria-expanded="true"]::after{top:22px;transform:rotate(-45deg)}
.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 12% 12%,rgba(11,79,163,.9) 0,rgba(6,27,78,.98) 32%,#03112f 100%);color:#fff;padding:90px 0 74px;border-bottom:1px solid rgba(255,255,255,.12)}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:44px 44px;mask-image:radial-gradient(circle at 50% 20%,#000 0%,transparent 72%)}
.hero::after{content:"";position:absolute;right:-160px;bottom:-230px;width:620px;height:620px;border-radius:50%;background:repeating-radial-gradient(circle,rgba(255,255,255,.11) 0 2px,transparent 2px 22px);opacity:.3}
.hero-wave{position:absolute;left:-8%;right:-8%;bottom:-30px;height:120px;background:linear-gradient(100deg,rgba(0,58,140,.4),rgba(227,52,58,.72),rgba(11,79,163,.35));transform:rotate(-2deg);filter:blur(.1px);opacity:.75}
.hero .container{position:relative;z-index:2;display:grid;grid-template-columns:1.1fr .72fr;gap:48px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:10px;text-transform:uppercase;letter-spacing:.18em;font-size:.78rem;font-weight:950;color:var(--crimson);margin:0 0 13px}
.eyebrow::before{content:"";width:32px;height:2px;background:currentColor;border-radius:99px}
.hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.45rem,5vw,5.2rem);line-height:.98;margin:0 0 22px;letter-spacing:-.05em;text-wrap:balance;text-shadow:0 10px 30px rgba(0,0,0,.25)}
.hero p{font-size:1.08rem;color:#E6F1FF;max-width:720px;margin:0 0 28px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px}
.hero-badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.hero-badge{display:inline-flex;align-items:center;gap:9px;padding:10px 13px;border:1px solid rgba(255,255,255,.18);border-radius:999px;background:rgba(255,255,255,.08);color:#fff;font-size:.9rem;font-weight:800}
.legal-plate{position:relative;border:1px solid rgba(216,179,90,.48);background:linear-gradient(180deg,rgba(255,255,255,.11),rgba(255,255,255,.05));border-radius:var(--radius-xl);box-shadow:0 26px 80px rgba(0,0,0,.32);padding:28px;min-height:350px;overflow:hidden}
.legal-plate::before{content:"§";position:absolute;right:24px;top:-38px;font-size:13rem;font-family:Georgia,"Times New Roman",serif;color:rgba(216,179,90,.11);line-height:1}
.plate-logo{width:94px;height:94px;border-radius:24px;background:rgba(255,255,255,.08);display:grid;place-items:center;border:1px solid rgba(255,255,255,.18);box-shadow:inset 0 0 0 1px rgba(255,255,255,.04);margin-bottom:24px}
.plate-logo img{width:76px;height:76px;object-fit:contain}
.legal-plate h2{font-family:Georgia,"Times New Roman",serif;font-size:2rem;line-height:1.12;margin:0 0 12px;color:#fff}
.legal-plate p{margin:0 0 18px;font-size:.98rem;color:#D5E5FF}
.plate-list{display:grid;gap:10px;margin-top:18px}
.plate-list span{display:flex;gap:10px;align-items:flex-start;color:#fff;font-weight:800;font-size:.93rem}
.plate-list span::before{content:"✓";flex:0 0 24px;width:24px;height:24px;border-radius:50%;background:rgba(227,52,58,.22);display:grid;place-items:center;color:#fff}
.section{padding:82px 0;position:relative}
.section-muted{background:linear-gradient(180deg,#f3f8ff,#fff);border-block:1px solid var(--border)}
.section-dark{background:linear-gradient(135deg,var(--navy-2),var(--navy));color:#fff;overflow:hidden}
.section-heading{text-align:center;max-width:820px;margin:0 auto 42px}
.section-heading h2{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2rem,3.2vw,3.45rem);line-height:1.05;letter-spacing:-.035em;margin:0 0 16px;color:var(--navy)}
.section-heading p:not(.eyebrow){color:var(--text);margin:0 auto;max-width:760px}
.section-dark .section-heading h2,.section-dark .section-heading p{color:#fff}
.summary-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:-40px;position:relative;z-index:4}
.summary-card{background:#fff;border:1px solid var(--border);border-radius:22px;padding:22px;box-shadow:var(--shadow-soft);position:relative;overflow:hidden}
.summary-card::after{content:"";position:absolute;inset:auto -40px -50px auto;width:120px;height:120px;border-radius:50%;background:rgba(11,79,163,.07)}
.summary-card .icon{width:46px;height:46px;border-radius:16px;background:linear-gradient(135deg,var(--sky),#fff);border:1px solid var(--border);display:grid;place-items:center;margin-bottom:15px;font-size:1.25rem}
.summary-card h3{margin:0 0 7px;color:var(--navy);font-size:1rem}
.summary-card p{margin:0;color:var(--muted);font-size:.93rem;line-height:1.55}
.terms-layout{display:grid;grid-template-columns:290px minmax(0,1fr);gap:34px;align-items:start}
.toc{position:sticky;top:108px;background:#fff;border:1px solid var(--border);border-radius:24px;box-shadow:var(--shadow-soft);padding:18px;max-height:calc(100vh - 128px);overflow:auto}
.toc h2{font-size:.92rem;text-transform:uppercase;letter-spacing:.15em;color:var(--navy);margin:4px 0 14px}
.toc a{display:flex;gap:10px;align-items:flex-start;padding:10px 12px;border-radius:14px;color:var(--text);font-size:.93rem;font-weight:760;line-height:1.25;border:1px solid transparent}
.toc a:hover,.toc a.active{background:var(--soft-blue);border-color:var(--border);color:var(--navy)}
.toc-actions{display:grid;gap:10px;margin-top:18px;padding-top:18px;border-top:1px solid var(--border)}
.toc-actions .btn{width:100%;font-size:.88rem;padding:11px 13px}
.terms-content{display:grid;gap:22px}
.terms-card{position:relative;background:#fff;border:1px solid var(--border);border-radius:var(--radius-xl);padding:30px;box-shadow:0 14px 40px rgba(6,27,78,.08);overflow:hidden}
.terms-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:linear-gradient(180deg,var(--crimson),var(--royal))}
.terms-card h2{margin:0 0 14px;color:var(--navy);font-size:1.5rem;line-height:1.22;font-family:Georgia,"Times New Roman",serif}
.terms-card h3{margin:22px 0 8px;color:var(--navy);font-size:1.05rem}
.terms-card p{margin:0 0 13px;color:var(--text)}
.terms-card ul,.terms-card ol{margin:10px 0 0;padding-left:1.2rem;color:var(--text)}
.terms-card li{margin:7px 0}
.terms-card strong{color:var(--navy)}
.notice-box{border:1px solid rgba(227,52,58,.25);background:linear-gradient(135deg,#fff7f7,#fff);border-radius:20px;padding:20px;margin:18px 0;color:var(--text)}
.notice-box h3{margin:0 0 8px;color:var(--crimson-dark)}
.info-box{border:1px solid rgba(11,79,163,.18);background:linear-gradient(135deg,#f3f8ff,#fff);border-radius:20px;padding:20px;margin:18px 0}
.definition-grid,.rights-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px}
.definition,.right-card{border:1px solid var(--border);border-radius:18px;background:linear-gradient(180deg,#fff,#f9fcff);padding:18px}
.definition b,.right-card b{display:block;color:var(--navy);margin-bottom:6px}
.consequence-table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--border);border-radius:18px;overflow:hidden;margin-top:18px;background:#fff}
.consequence-table th,.consequence-table td{text-align:left;padding:16px;border-bottom:1px solid var(--border);vertical-align:top}
.consequence-table th{background:var(--navy);color:#fff;font-size:.92rem}
.consequence-table tr:last-child td{border-bottom:0}
.consequence-table td:first-child{font-weight:900;color:var(--navy);width:32%}
.quick-answer{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.answer-card{background:linear-gradient(145deg,#fff,#f5f9ff);border:1px solid var(--border);border-radius:24px;padding:24px;box-shadow:var(--shadow-soft)}
.answer-card h3{margin:0 0 8px;color:var(--navy)}
.answer-card p{margin:0;color:var(--text)}
.faq-list{display:grid;gap:13px;max-width:930px;margin:0 auto}
details.faq-item{background:#fff;border:1px solid var(--border);border-radius:18px;box-shadow:0 8px 22px rgba(6,27,78,.07);overflow:hidden}
.faq-item summary{cursor:pointer;list-style:none;padding:18px 52px 18px 20px;font-weight:900;color:var(--navy);position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);width:28px;height:28px;border-radius:50%;background:var(--sky);display:grid;place-items:center;color:var(--royal);font-weight:900}
.faq-item[open] summary::after{content:"−";background:var(--crimson);color:#fff}
.faq-item p{margin:0;padding:0 20px 18px;color:var(--text)}
.cta-panel{position:relative;border:1px solid rgba(255,255,255,.18);background:linear-gradient(135deg,rgba(255,255,255,.11),rgba(255,255,255,.05));border-radius:30px;padding:44px;display:grid;grid-template-columns:1.2fr .8fr;gap:30px;align-items:center;box-shadow:0 28px 80px rgba(0,0,0,.24);overflow:hidden}
.cta-panel::after{content:"";position:absolute;right:-90px;top:-90px;width:260px;height:260px;border-radius:50%;border:1px solid rgba(255,255,255,.14)}
.cta-panel h2{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2rem,3.2vw,3.4rem);line-height:1.05;margin:0 0 14px;color:#fff}
.cta-panel p{margin:0;color:#DDEBFF}
.cta-actions{display:flex;justify-content:flex-end;gap:12px;flex-wrap:wrap;position:relative;z-index:2}
.site-footer{background:#03112F;color:#DDEBFF;padding:64px 0 24px;position:relative;overflow:hidden}
.site-footer::after{content:"";position:absolute;right:-120px;bottom:-160px;width:460px;height:460px;border-radius:50%;background:repeating-radial-gradient(circle,rgba(255,255,255,.08) 0 2px,transparent 2px 18px);opacity:.35}
.footer-grid{display:grid;grid-template-columns:1.2fr .7fr .85fr;gap:38px;position:relative;z-index:2}
.footer-brand{display:flex;gap:16px;align-items:center;margin-bottom:16px}
.footer-brand img{width:76px;height:76px;object-fit:contain}
.footer-brand strong{font-family:Georgia,"Times New Roman",serif;text-transform:uppercase;color:#fff;font-size:1.1rem;line-height:1.1;display:block}
.site-footer h3{color:#fff;margin:0 0 14px}
.site-footer p{margin:0 0 12px;color:#DDEBFF}
.footer-links{display:grid;gap:8px}.footer-links a{color:#DDEBFF}.footer-links a:hover{color:#fff}
.footer-bottom{position:relative;z-index:2;border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:20px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.92rem;color:#BFD5F7}
.back-to-top{position:fixed;right:20px;bottom:20px;z-index:900;width:46px;height:46px;border-radius:50%;border:1px solid rgba(255,255,255,.22);background:var(--crimson);color:#fff;display:grid;place-items:center;box-shadow:var(--shadow-soft);opacity:0;pointer-events:none;transform:translateY(10px);transition:.2s ease}
.back-to-top.show{opacity:1;pointer-events:auto;transform:none}
@media (max-width:1080px){
  .header-cta{display:none}.hero .container{grid-template-columns:1fr}.legal-plate{max-width:760px}.summary-grid{grid-template-columns:repeat(2,1fr)}.terms-layout{grid-template-columns:1fr}.toc{position:relative;top:auto;max-height:none}.toc nav{display:grid;grid-template-columns:repeat(2,1fr);gap:4px}.footer-grid{grid-template-columns:1fr 1fr}.cta-panel{grid-template-columns:1fr}.cta-actions{justify-content:flex-start}
}
@media (max-width:860px){
  .menu-toggle{display:block}.nav{position:fixed;inset:calc(86px + 33px) 16px auto 16px;background:#061B4E;border:1px solid rgba(255,255,255,.15);border-radius:22px;box-shadow:0 28px 80px rgba(0,0,0,.34);display:none;flex-direction:column;align-items:stretch;padding:14px;z-index:999}.nav.open{display:flex}.nav a{padding:14px 16px}.nav a[aria-current="page"]::after{display:none}.brand span{font-size:.86rem}.topbar .container{justify-content:center}.hero{padding:68px 0}.summary-grid{margin-top:0}.definition-grid,.rights-grid,.quick-answer{grid-template-columns:1fr}.consequence-table{display:block;overflow-x:auto}.footer-grid{grid-template-columns:1fr}.footer-bottom{display:block}.toc nav{grid-template-columns:1fr}
}
@media (max-width:580px){
  .container,.narrow{width:min(100% - 28px,var(--max))}.hero h1{font-size:2.35rem}.hero-actions,.hero-badges,.cta-actions{display:grid}.btn{width:100%}.summary-grid{grid-template-columns:1fr}.terms-card{padding:24px 21px}.legal-plate{padding:23px}.cta-panel{padding:28px 22px}.brand img{width:54px;height:54px}.header-inner{height:78px}.nav{inset:calc(78px + 33px) 12px auto 12px}.topbar{font-size:.8rem}
}
@media print{
  .topbar,.site-header,.toc,.cta-panel,.back-to-top,.progress,.hero-actions,.toc-actions{display:none!important}body{background:#fff;color:#000}.hero{background:#fff;color:#000;padding:24px 0;border:0}.hero::before,.hero::after,.hero-wave{display:none}.hero .container{display:block}.hero p{color:#000}.terms-layout{display:block}.terms-card{box-shadow:none;break-inside:avoid;border-color:#bbb}.site-footer{background:#fff;color:#000;border-top:1px solid #bbb}.site-footer p,.site-footer a,.site-footer strong,.site-footer h3{color:#000}.footer-grid{display:block}.footer-bottom{border-top:1px solid #bbb}.summary-grid{display:none}a{color:#000;text-decoration:underline}
}