:root{--color-primary:#006cb7;--color-primary-dark:#004e87;--color-primary-tint:#e8f2fa;--color-ink:#14232f;--color-muted:#5b6c7a;--color-surface:#ffffff;--color-canvas:#f3f7fa;--color-border:#dce6ee;--font-display:"Space Grotesk",sans-serif;--font-body:"Source Serif 4",Georgia,serif;--font-mono:"IBM Plex Mono",monospace;--header-h:100px}header.site-header{position:fixed;top:0;left:0;right:0;height:var(--header-h);background:rgba(255,255,255,0.92);backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--color-border);z-index:100;display:flex;align-items:center}.header-inner{max-width:1180px;margin:0 auto;width:100%;padding:0 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(--color-ink)}.brand-mark{width:40px;height:40px;border-radius:10px;background:var(--color-primary);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:15px;letter-spacing:0.02em;flex-shrink:0}.brand-text{display:flex;flex-direction:column;line-height:1.25}.brand-text strong{font-size:16.5px;font-weight:600}.brand-text span{font-size:11.5px;color:var(--color-muted);letter-spacing:0.02em}.effective-badge{font-size:12px;color:var(--color-primary-dark);background:var(--color-primary-tint);border:1px solid #cfe4f4;padding:6px 12px;border-radius:100px;white-space:nowrap}.toc-toggle{display:none;align-items:center;gap:8px;background:var(--color-primary-tint);border:1px solid #cfe4f4;color:var(--color-primary-dark);font-size:13px;font-weight:600;padding:8px 14px;border-radius:100px;cursor:pointer}.progress-track{position:fixed;top:0;left:0;right:0;height:3px;z-index:110;background:transparent}.progress-fill{height:100%;width:0%;background:var(--color-primary);transition:width 60ms linear}.hero{max-width:1180px;margin:0 auto;padding:calc(var(--header-h) + 56px) 28px 40px}.hero-eyebrow{font-size:12.5px;text-transform:uppercase;letter-spacing:0.12em;color:var(--color-primary);margin:0 0 14px}.hero h1{font-size:clamp(32px,4.4vw,48px);font-weight:700;line-height:1.12;margin:0 0 18px;max-width:18ch}.hero p.lead{font-size:18px;color:var(--color-muted);max-width:62ch;margin:0 0 28px}.trust-row{display:flex;flex-wrap:wrap;gap:10px}.trust-pill{display:flex;align-items:center;gap:8px;background:var(--color-surface);border:1px solid var(--color-border);padding:9px 16px 9px 12px;border-radius:100px;font-size:13.5px;font-weight:500;color:var(--color-ink)}.trust-pill .dot{width:8px;height:8px;border-radius:50%;background:var(--color-primary);flex-shrink:0}.layout{max-width:1180px;margin:0 auto;padding:0 28px 100px;display:grid;grid-template-columns:250px 1fr;gap:56px;align-items:start}aside.toc{position:sticky;top:calc(var(--header-h) + 28px);background:var(--color-surface);border:1px solid var(--color-border);border-radius:14px;padding:18px 8px;max-height:calc(100vh - var(--header-h) - 56px);overflow-y:auto}.toc-label{font-size:11px;text-transform:uppercase;letter-spacing:0.1em;color:var(--color-muted);padding:4px 14px 12px}.toc nav{display:flex;flex-direction:column;gap:2px}.toc a{display:flex;flex-direction:row;align-items:center;gap:11px;text-decoration:none;color:var(--color-muted);font-size:13.5px;font-weight:500;padding:8px 14px;border-radius:9px;width:100%}.toc a .num{font-size:10.5px;width:20px;height:20px;border-radius:6px;border:1.5px solid var(--color-border);color:var(--color-muted);display:flex;align-items:center;justify-content:center;flex-shrink:0}.toc a:hover{background:var(--color-canvas);color:var(--color-ink)}.toc a.active{background:var(--color-primary-tint);color:var(--color-primary-dark)}.toc a.active .num{background:var(--color-primary);border-color:var(--color-primary);color:#fff}main.content{min-width:0}section.policy-section{padding:34px 0;border-bottom:1px solid var(--color-border);scroll-margin-top:calc(var(--header-h) + 20px)}section.policy-section:first-of-type{padding-top:0}section.policy-section:last-of-type{border-bottom:none}.section-head{display:flex;align-items:flex-start;gap:16px;margin-bottom:16px}.section-head .num{font-weight:700;font-size:15px;color:var(--color-primary);background:var(--color-primary-tint);width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.section-head h2{font-size:23px;font-weight:600;margin:6px 0 0;line-height:1.3;padding-bottom:0px}section h2::after{margin-bottom:10px!important}section h2{margin-top:0px!important;align-items:flex-start!important}.policy-section h3{font-size:15.5px;font-weight:600;color:var(--color-primary-dark);margin:22px 0 10px}.policy-section p{margin:0 0 14px;color:var(--color-ink)}.policy-section ul{margin:0 0 14px;padding:0;list-style:none;display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:6px 18px}.policy-section ul.single-col{grid-template-columns:1fr}.policy-section li{position:relative;padding-left:18px;color:var(--color-ink);font-size:16.5px}.policy-section li::before{content:"";position:absolute;left:0;top:10px;width:6px;height:6px;background:var(--color-primary);border-radius:2px}.note{background:var(--color-primary-tint);border:1px solid #cfe4f4;border-radius:10px;padding:14px 16px;font-size:15.5px;color:var(--color-primary-dark);margin:16px 0 6px}.note.warn{background:#fdeeec;border-color:#f6cfc9;color:#9b3a2e}.contact-cta{margin-top:40px;background:linear-gradient(135deg,var(--color-primary),var(--color-primary-dark));border-radius:18px;padding:38px 34px;color:#fff;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}.contact-cta h3{font-size:21px;font-weight:600;margin:0 0 6px}.contact-cta p{margin:0;color:#dcedfb;font-size:15.5px;max-width:48ch}.contact-cta .btn{background:#fff;color:var(--color-primary-dark);font-weight:600;font-size:14.5px;padding:12px 22px;border-radius:100px;text-decoration:none;white-space:nowrap}footer.site-footer{text-align:center;padding:26px 20px 40px;font-size:12px;color:var(--color-muted)}@media (max-width:900px){.layout{grid-template-columns:1fr}aside.toc{position:static;display:none;margin-bottom:8px;max-height:none}aside.toc.open{display:block}.toc-toggle{display:flex}.hero{padding-top:calc(var(--header-h) + 36px)}.brand-text span{display:none}}@media print{header.site-header,aside.toc,.progress-track,.toc-toggle,.contact-cta{display:none!important}body{background:#fff}.hero{padding-top:10px}.layout{grid-template-columns:1fr;padding-bottom:20px}}