:root{
  --navy:#061844;--ink:#41537a;--muted:#6b7c9e;--teal:#20d9c2;
  --teal-dark:#0e9c8b;--pale:#e8f1fb;--line:#dce7f4;--white:#fff;
  --shadow:0 1px 2px rgba(6,24,68,.05),0 12px 34px rgba(6,24,68,.07)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:linear-gradient(145deg,#fff 0,#f4f9fe 48%,#e8f1fb 100%);color:var(--ink);font-family:"DM Sans",system-ui,sans-serif;line-height:1.68}
a{color:var(--teal-dark)}
.top{height:7px;background:linear-gradient(90deg,var(--navy),var(--teal),var(--navy))}
.nav{position:sticky;top:0;z-index:5;background:rgba(255,255,255,.92);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav-inner{max-width:1080px;margin:auto;padding:14px 22px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{color:var(--navy);font-family:"Sora",system-ui,sans-serif;font-weight:700;text-decoration:none}
.brand small{display:block;color:var(--muted);font:400 11px "DM Sans",system-ui,sans-serif;letter-spacing:.06em}
.back{border:1px solid var(--line);border-radius:10px;padding:9px 14px;background:#fff;color:var(--navy);font-weight:700;text-decoration:none}
main{max-width:900px;margin:46px auto 70px;padding:0 22px}
.hero{background:var(--navy);color:#fff;border-radius:22px;padding:clamp(28px,6vw,56px);box-shadow:0 22px 60px rgba(6,24,68,.2)}
.eyebrow{margin:0 0 10px;color:var(--teal);font-size:12px;font-weight:700;letter-spacing:.15em;text-transform:uppercase}
h1,h2,h3{font-family:"Sora",system-ui,sans-serif;color:var(--navy);line-height:1.2;letter-spacing:-.025em}
h1{margin:0;color:#fff;font-size:clamp(2rem,6vw,3.35rem)}
.hero p{max-width:65ch;margin:17px 0 0;color:#dce7f4}
.meta{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px;font-size:13px}
.meta span{border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:6px 11px}
.notice{margin:24px 0;background:#ecfffb;border:1px solid #a8eee4;border-left:5px solid var(--teal-dark);border-radius:12px;padding:17px 19px;color:#174c48}
.toc,.legal-section{background:var(--white);border:1px solid var(--line);border-radius:17px;padding:clamp(20px,4vw,34px);box-shadow:var(--shadow)}
.toc{margin:24px 0}
.toc h2{margin-top:0;font-size:1.15rem}
.toc ol{columns:2;margin-bottom:0;padding-left:22px}
.toc a{color:var(--ink)}
.legal-section{margin-top:16px}
.legal-section h2{font-size:1.35rem;margin:0 0 12px}
.legal-section h3{font-size:1.03rem;margin:22px 0 7px}
.legal-section p{margin:8px 0}
.legal-section ul{padding-left:22px}
.legal-section li{margin:7px 0}
.table-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:14px}
th,td{text-align:left;vertical-align:top;border-bottom:1px solid var(--line);padding:12px 10px}
th{color:var(--navy);background:#f6faff}
.callout{background:#f6faff;border-radius:12px;padding:15px 17px;margin:14px 0}
.signature{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:20px}
.signature div{border-top:1px solid var(--line);padding-top:10px}
footer{border-top:1px solid var(--line);background:rgba(255,255,255,.8);padding:28px 22px;text-align:center;color:var(--muted);font-size:13px}
footer a{margin:0 7px}
@media(max-width:680px){.toc ol{columns:1}.signature{grid-template-columns:1fr}.nav-inner{align-items:flex-start}.back{font-size:13px}.hero{border-radius:16px}main{margin-top:24px}}
@media print{.nav,.top,footer,.toc{display:none}body{background:#fff}.hero{box-shadow:none}.legal-section{box-shadow:none;break-inside:avoid}main{margin:0;max-width:none}}