:root{
  --navy:#0f2742;
  --navy2:#17395e;
  --blue:#2867d7;
  --sky:#eaf2ff;
  --ink:#132033;
  --muted:#64748b;
  --line:#e4eaf1;
  --bg:#f7f9fc;
  --white:#fff;
  --green:#1f8a70;
  --shadow:0 18px 50px rgba(15,39,66,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.7}
a{text-decoration:none;color:inherit}
.container{width:min(1180px,calc(100% - 40px));margin:0 auto}
.topbar{background:var(--navy);color:#d8e4f0;font-size:13px}
.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:9px 0}.topbar a{color:#fff}
.navbar{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid rgba(228,234,241,.95)}
.nav-inner{height:76px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.logo{font-weight:900;letter-spacing:.01em;color:var(--navy);font-size:20px;white-space:nowrap}.logo span{color:var(--blue)}
.nav-links{display:flex;align-items:center;gap:26px;font-size:14px;font-weight:600;color:#435268}.nav-links a:hover{color:var(--blue)}
.nav-cta{padding:11px 17px;border-radius:10px;background:var(--blue);color:#fff!important;box-shadow:0 9px 22px rgba(40,103,215,.22)}
.policy-hero{padding:68px 0 54px;background:linear-gradient(180deg,#f8fbff 0,#eef5ff 100%);border-bottom:1px solid var(--line)}
.badge{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border-radius:999px;background:#fff;color:#215cbe;font-weight:800;font-size:13px;border:1px solid #dce8fa}.badge:before{content:"";width:8px;height:8px;border-radius:50%;background:#2f7de6}
h1{font-size:clamp(38px,5vw,58px);line-height:1.05;letter-spacing:-.045em;margin:17px 0 14px;color:#0d2139}
.hero-copy{font-size:17px;color:#5d6e82;max-width:760px;margin:0}.updated{display:flex;gap:16px;flex-wrap:wrap;margin-top:24px;color:#607187;font-size:13px;font-weight:700}.updated span{display:flex;align-items:center;gap:8px}.dot{width:7px;height:7px;border-radius:50%;background:var(--green)}
.policy-main{padding:54px 0 84px}
.policy-grid{display:grid;grid-template-columns:280px minmax(0,1fr);gap:32px;align-items:start}
.toc{position:sticky;top:104px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:0 8px 24px rgba(15,39,66,.05)}
.toc-title{font-size:12px;font-weight:900;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin-bottom:14px}
.toc-links{display:grid;gap:5px}.toc-links a{padding:9px 10px;border-radius:9px;color:#536579;font-size:13px;font-weight:650}.toc-links a:hover{background:#eff5ff;color:var(--blue)}
.toc hr{border:0;border-top:1px solid var(--line);margin:16px 0}.toc-small{font-size:12px;color:#7a889a}.toc-small a{color:var(--blue);font-weight:750}
.article{background:#fff;border:1px solid var(--line);border-radius:22px;padding:38px 42px;box-shadow:var(--shadow)}
.article h2{font-size:25px;line-height:1.2;color:#15304d;margin:38px 0 11px;letter-spacing:-.02em}.article h2:first-child{margin-top:0}.article h3{font-size:17px;color:#1b3857;margin:24px 0 7px}.article p{color:#5f7084;margin:0 0 15px}.article ul{color:#5f7084;padding-left:22px;margin:8px 0 18px}.article li{margin:7px 0}.article strong{color:#263c55}.article a{color:var(--blue);font-weight:700}
.info-box{background:#f2f7ff;border:1px solid #d9e8ff;border-left:4px solid var(--blue);padding:18px 20px;border-radius:12px;margin:22px 0}.info-box p{margin:0;color:#435c78}
.data-table{width:100%;border-collapse:collapse;margin:16px 0 24px;font-size:14px}.data-table th,.data-table td{border:1px solid var(--line);padding:13px 14px;text-align:left;vertical-align:top}.data-table th{background:#f5f8fc;color:#314960;font-size:12px;text-transform:uppercase;letter-spacing:.06em}.data-table td{color:#5e7084}
.contact-panel{background:linear-gradient(135deg,#102844,#1a4775);color:#fff;border-radius:18px;padding:25px 28px;margin-top:32px}.contact-panel h3{color:#fff;margin:0 0 8px;font-size:21px}.contact-panel p{color:#d8e5f2;margin:0}.contact-panel a{color:#fff;text-decoration:underline}
.policy-nav{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:24px}.policy-card{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;padding:17px 18px;color:#40566d}.policy-card strong{display:block;color:#18304d;margin-bottom:2px}.policy-card span{font-size:12px;color:#7b8a9b}.policy-card:hover{border-color:#b9d2f5;box-shadow:0 10px 26px rgba(15,39,66,.07)}
.footer{background:#0b1d31;color:#9eb1c5;padding:46px 0 24px}.footer-grid{display:grid;grid-template-columns:1.4fr .7fr .7fr;gap:42px}.footer .logo{color:#fff}.footer p{font-size:13px;max-width:530px}.footer h4{color:#fff;margin:0 0 12px;font-size:14px}.footer-links{display:grid;gap:9px;font-size:13px}.footer-links a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:32px;padding-top:20px;font-size:12px;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
@media(max-width:920px){.nav-links{display:none}.policy-grid{grid-template-columns:1fr}.toc{position:static}.policy-nav{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.topbar .container{display:block}.container{width:min(100% - 28px,1180px)}.policy-hero{padding:45px 0 38px}.policy-main{padding:30px 0 58px}.article{padding:25px 21px}.data-table{display:block;overflow-x:auto}.footer-grid{grid-template-columns:1fr}}