:root{
  --navy:#003B95;
  --navy-deep:#00224F;
  --navy-dark:#001A3A;
  --blue-light:#E8F0FE;
  --blue-soft:#F4F8FF;
  --white:#FFFFFF;
  --off-white:#F7F9FC;
  --gray-100:#E7ECF4;
  --gray-300:#B6C0D2;
  --gray-500:#66768F;
  --gray-700:#253246;
  --shadow-md:0 12px 32px rgba(0,15,40,0.12);
  --radius:18px;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:'DM Sans',sans-serif;
  color:var(--gray-700);
  background:
    radial-gradient(circle at top right, rgba(254,187,2,0.14), transparent 28%),
    linear-gradient(180deg, #eef4ff 0%, #f7f9fc 28%, #f7f9fc 100%);
  line-height:1.7;
}

a{color:inherit}

.shell{
  min-height:100vh;
  padding:32px 20px 72px;
}

.topbar{
  max-width:1040px;
  margin:0 auto 28px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
}

.brand{
  display:flex;
  align-items:center;
  gap:12px;
  text-decoration:none;
  color:var(--navy-deep);
}

.brand img{
  width:44px;
  height:44px;
  border-radius:12px;
  object-fit:contain;
  background:rgba(0,34,79,0.06);
  padding:4px;
}

.brand-text{
  display:flex;
  flex-direction:column;
}

.brand-text strong{
  font-family:'Playfair Display',serif;
  font-size:1.35rem;
  line-height:1;
}

.brand-text span{
  font-size:.9rem;
  color:var(--gray-500);
}

.home-link{
  text-decoration:none;
  color:var(--navy-deep);
  font-weight:600;
  padding:12px 18px;
  border-radius:999px;
  background:rgba(255,255,255,0.82);
  border:1px solid rgba(0,34,79,0.08);
}

.hero,
.content,
.policy-nav{
  max-width:1040px;
  margin:0 auto;
}

.hero{
  background:linear-gradient(145deg, var(--navy-deep) 0%, var(--navy) 46%, #0d63d6 100%);
  color:var(--white);
  padding:44px;
  border-radius:28px;
  box-shadow:var(--shadow-md);
  position:relative;
  overflow:hidden;
}

.hero::after{
  content:"";
  position:absolute;
  right:-80px;
  top:-80px;
  width:240px;
  height:240px;
  border-radius:50%;
  background:radial-gradient(circle, rgba(255,255,255,0.18) 0%, rgba(255,255,255,0) 70%);
}

.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:7px 14px;
  border-radius:999px;
  background:rgba(255,255,255,0.12);
  border:1px solid rgba(255,255,255,0.14);
  font-size:.84rem;
  text-transform:uppercase;
  letter-spacing:.08em;
  font-weight:700;
}

.hero h1{
  margin:18px 0 12px;
  font-family:'Playfair Display',serif;
  font-size:clamp(2.2rem,4.6vw,3.4rem);
  line-height:1.08;
}

.hero p{
  max-width:760px;
  margin:0;
  color:rgba(255,255,255,0.82);
  font-size:1.04rem;
}

.policy-nav{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  margin-top:24px;
}

.policy-nav a{
  text-decoration:none;
  padding:11px 16px;
  border-radius:999px;
  background:rgba(255,255,255,0.9);
  color:var(--navy-deep);
  border:1px solid rgba(0,34,79,0.08);
  font-weight:600;
}

.content{
  margin-top:26px;
  background:rgba(255,255,255,0.92);
  border:1px solid rgba(0,34,79,0.08);
  border-radius:28px;
  padding:34px;
  box-shadow:0 10px 26px rgba(0,15,40,0.06);
}

.content section + section{
  margin-top:28px;
  padding-top:28px;
  border-top:1px solid var(--gray-100);
}

.content h2{
  margin:0 0 12px;
  color:var(--navy-deep);
  font-size:1.4rem;
}

.content p{
  margin:0 0 14px;
}

.content ol,
.content ul{
  margin:0;
  padding-left:22px;
}

.content li + li{
  margin-top:12px;
}

.summary-grid{
  display:grid;
  grid-template-columns:repeat(3, minmax(0,1fr));
  gap:18px;
}

.summary-card{
  background:var(--blue-soft);
  border:1px solid rgba(0,59,149,0.08);
  border-radius:20px;
  padding:22px;
}

.summary-card h3{
  margin:0 0 10px;
  color:var(--navy-deep);
  font-size:1.05rem;
}

.summary-card p{
  margin:0;
  color:var(--gray-500);
}

.muted{
  color:var(--gray-500);
}

@media (max-width: 820px){
  .shell{padding:20px 14px 48px}
  .topbar{flex-direction:column;align-items:flex-start}
  .hero,.content{padding:24px}
  .summary-grid{grid-template-columns:1fr}
}