:root{
  --primary:#087f8c;
  --primary-dark:#05616b;
  --blue:#0b72c9;
  --green:#16a36a;
  --ink:#10212b;
  --muted:#5f6f78;
  --surface:#ffffff;
  --surface-2:#f4f9fa;
  --border:#dce9ec;
  --warning:#fff7e6;
  --warning-border:#f3d59a;
  --danger:#b42318;
  --shadow:0 18px 50px rgba(16,33,43,.08);
  --radius:20px;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;background:linear-gradient(180deg,#f7fbfc 0,#fff 38%);
  color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  line-height:1.72;
}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
.container{width:min(calc(100% - 32px),var(--max));margin:auto}
.nav{
  position:sticky;top:0;z-index:20;background:rgba(255,255,255,.9);
  backdrop-filter:blur(14px);border-bottom:1px solid rgba(220,233,236,.85)
}
.nav-inner{height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:11px;font-weight:800;color:var(--ink);letter-spacing:-.02em}
.brand img{width:44px;height:44px;border-radius:12px;object-fit:cover}
.brand small{display:block;color:var(--muted);font-weight:500;font-size:11px;letter-spacing:.03em}
.navlinks{display:flex;gap:6px;flex-wrap:wrap;justify-content:flex-end}
.navlinks a{padding:8px 11px;border-radius:10px;color:#41545d;font-size:13px;font-weight:650}
.navlinks a:hover{background:var(--surface-2);text-decoration:none;color:var(--primary)}
.hero{padding:72px 0 42px}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:42px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--primary);font-weight:800;font-size:12px;text-transform:uppercase;letter-spacing:.1em}
.dot{width:8px;height:8px;border-radius:50%;background:var(--green)}
h1{font-size:clamp(36px,5vw,58px);line-height:1.06;letter-spacing:-.045em;margin:16px 0}
.hero p{font-size:18px;color:var(--muted);max-width:700px;margin:0 0 24px}
.hero-card{background:linear-gradient(145deg,#087f8c,#0b72c9 55%,#16a36a);padding:8px;border-radius:28px;box-shadow:var(--shadow)}
.hero-card-inner{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:22px;padding:34px;color:white;min-height:320px;display:flex;flex-direction:column;justify-content:space-between}
.hero-card img{width:96px;height:96px;border-radius:22px;object-fit:cover;box-shadow:0 10px 35px rgba(0,0,0,.18)}
.hero-card h2{font-size:25px;margin:18px 0 6px}
.hero-card p{color:rgba(255,255,255,.84);font-size:14px;margin:0}
.pill-row{display:flex;gap:9px;flex-wrap:wrap;margin-top:22px}
.pill{display:inline-flex;padding:8px 12px;border-radius:999px;background:#edf8f8;border:1px solid #d3eeee;color:var(--primary);font-size:12px;font-weight:750}
.notice{margin:22px 0;padding:18px 20px;border:1px solid var(--warning-border);background:var(--warning);border-radius:15px;color:#694f18}
.notice strong{color:#4d3910}
.page{padding:18px 0 70px}
.policy-head{padding:34px 0 24px;border-bottom:1px solid var(--border)}
.policy-head h1{font-size:clamp(32px,5vw,48px);margin:10px 0 8px}
.meta{color:var(--muted);font-size:13px}
.layout{display:grid;grid-template-columns:250px 1fr;gap:34px;padding-top:34px}
.toc{position:sticky;top:98px;height:max-content;padding:18px;background:#f7fbfc;border:1px solid var(--border);border-radius:16px}
.toc strong{font-size:12px;text-transform:uppercase;letter-spacing:.08em}
.toc a{display:block;padding:7px 0;font-size:13px;color:#4d616b}
.content{min-width:0}
.content h2{font-size:25px;line-height:1.25;margin:38px 0 12px;letter-spacing:-.02em}
.content h3{font-size:18px;margin:25px 0 8px}
.content p{margin:9px 0;color:#33464f}
.content ul,.content ol{padding-left:22px;color:#33464f}
.content li{margin:7px 0}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:28px 0}
.card{background:var(--surface);border:1px solid var(--border);border-radius:18px;padding:20px;box-shadow:0 10px 30px rgba(16,33,43,.04)}
.card h3{margin:0 0 6px;font-size:17px}
.card p{font-size:14px;margin:0;color:var(--muted)}
.table-wrap{overflow:auto;border:1px solid var(--border);border-radius:15px;margin:18px 0}
table{border-collapse:collapse;width:100%;min-width:680px;background:#fff}
th,td{text-align:left;padding:13px 14px;border-bottom:1px solid var(--border);font-size:14px;vertical-align:top}
th{background:#f6fafb;font-weight:800}
tr:last-child td{border-bottom:0}
.callout{border-left:4px solid var(--primary);background:#f2fafb;padding:17px 19px;border-radius:0 14px 14px 0;margin:20px 0}
.danger{border-left-color:var(--danger);background:#fff5f4}
.steps{counter-reset:step;display:grid;gap:13px;margin:20px 0}
.step{display:grid;grid-template-columns:38px 1fr;gap:14px;align-items:start}
.step:before{counter-increment:step;content:counter(step);width:38px;height:38px;border-radius:12px;display:grid;place-items:center;background:#e9f7f7;color:var(--primary);font-weight:850}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:11px 15px;border-radius:12px;background:var(--primary);color:white;font-weight:750;font-size:14px}
.btn:hover{text-decoration:none;background:var(--primary-dark)}
.btn.secondary{background:#edf4f6;color:var(--ink)}
.footer{border-top:1px solid var(--border);padding:34px 0 42px;background:#f7fbfc}
.footer-inner{display:flex;justify-content:space-between;gap:20px;align-items:flex-start}
.footer-brand{font-weight:850}
.footer p{font-size:13px;color:var(--muted);margin:5px 0}
.footer-links{display:flex;gap:14px;flex-wrap:wrap;font-size:13px}
.search{width:100%;max-width:520px;padding:12px 14px;border:1px solid var(--border);border-radius:12px;font:inherit;background:white}
@media(max-width:820px){
  .nav-inner{height:auto;min-height:70px;padding:10px 0;align-items:flex-start}
  .navlinks{display:none}
  .hero{padding:48px 0 24px}
  .hero-grid,.layout{grid-template-columns:1fr}
  .hero-card{order:-1}
  .layout{gap:18px}
  .toc{position:static}
  .card-grid{grid-template-columns:1fr}
  .footer-inner{flex-direction:column}
}
@media(max-width:520px){
  .container{width:min(calc(100% - 22px),var(--max))}
  .hero p{font-size:16px}
  .hero-card-inner{padding:25px;min-height:270px}
  .content h2{font-size:22px}
  .policy-head{padding-top:22px}
}