:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --surface-soft: #edf3fa;
  --ink: #16202a;
  --muted: #596879;
  --line: #d8e1ec;
  --brand: #2196f3;
  --brand-dark: #176db4;
  --charcoal: #2e2e2e;
  --charcoal-2: #464646;
  --success-soft: #e8f6ee;
  --warning-soft: #fff7df;
  --shadow: 0 24px 70px rgba(22, 32, 42, .12);
  --radius-xl: 28px;
  --radius-lg: 20px;
  --radius-md: 14px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--bg);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.65;
}

a {
  color: var(--brand-dark);
  text-decoration-thickness: .08em;
  text-underline-offset: .2em;
}

button,
a {
  -webkit-tap-highlight-color: transparent;
}

button {
  font: inherit;
}

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 1000;
  padding: 10px 14px;
  border-radius: 999px;
  background: var(--surface);
  color: var(--ink);
  transform: translateY(-180%);
  transition: transform .2s ease;
}

.skip-link:focus {
  transform: translateY(0);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.site-header {
  overflow: hidden;
  color: #fff;
  background:
    radial-gradient(circle at 10% 0%, rgba(33, 150, 243, .55), transparent 34rem),
    linear-gradient(135deg, var(--charcoal), #20242b 55%, #111820);
}

.topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  width: min(1160px, calc(100% - 32px));
  margin: 0 auto;
  padding: 24px 0;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 13px;
  color: #fff;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border: 1px solid rgba(255, 255, 255, .24);
  border-radius: 16px;
  background: rgba(255, 255, 255, .12);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .18);
  font-weight: 800;
  letter-spacing: .04em;
}

.brand strong,
.brand small {
  display: block;
}

.brand strong {
  font-size: 18px;
  line-height: 1.1;
}

.brand small {
  margin-top: 3px;
  color: rgba(255, 255, 255, .74);
  font-size: 12px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-links a {
  padding: 9px 12px;
  border-radius: 999px;
  color: rgba(255, 255, 255, .84);
  font-size: 14px;
  text-decoration: none;
}

.nav-links a:hover,
.nav-links a.is-active {
  background: rgba(255, 255, 255, .12);
  color: #fff;
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(255, 255, 255, .2);
  border-radius: 14px;
  background: rgba(255, 255, 255, .08);
  cursor: pointer;
}

.nav-toggle span:not(.sr-only) {
  display: block;
  width: 18px;
  height: 2px;
  margin: 4px auto;
  background: #fff;
  border-radius: 99px;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(300px, .75fr);
  gap: 34px;
  width: min(1160px, calc(100% - 32px));
  margin: 0 auto;
  padding: 70px 0 86px;
}

.eyebrow,
.section-kicker {
  margin: 0 0 8px;
  color: var(--brand);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
}

.hero h1 {
  max-width: 820px;
  margin: 0;
  font-size: clamp(42px, 7vw, 78px);
  line-height: .98;
  letter-spacing: -.06em;
}

.hero-text {
  max-width: 760px;
  margin: 24px 0 0;
  color: rgba(255, 255, 255, .8);
  font-size: clamp(16px, 2vw, 20px);
}

.policy-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 28px;
}

.policy-meta span {
  padding: 8px 13px;
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 999px;
  background: rgba(255, 255, 255, .09);
  color: rgba(255, 255, 255, .82);
  font-size: 13px;
}

.hero-card {
  align-self: end;
  padding: 28px;
  border: 1px solid rgba(255, 255, 255, .18);
  border-radius: var(--radius-xl);
  background: rgba(255, 255, 255, .1);
  box-shadow: var(--shadow);
  backdrop-filter: blur(12px);
}

.hero-card h2 {
  margin: 0 0 14px;
  font-size: 22px;
}

.hero-card ul {
  margin: 0;
  padding-left: 20px;
  color: rgba(255, 255, 255, .82);
}

.hero-card li + li {
  margin-top: 9px;
}

.page-shell {
  display: grid;
  grid-template-columns: 250px minmax(0, 1fr);
  gap: 26px;
  width: min(1160px, calc(100% - 32px));
  margin: -42px auto 0;
  align-items: start;
}

.toc {
  position: sticky;
  top: 18px;
  display: grid;
  gap: 6px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, .88);
  box-shadow: 0 15px 45px rgba(22, 32, 42, .07);
  backdrop-filter: blur(8px);
}

.toc strong {
  margin-bottom: 7px;
  font-size: 14px;
}

.toc a {
  padding: 8px 10px;
  border-radius: 12px;
  color: var(--muted);
  font-size: 13px;
  text-decoration: none;
}

.toc a:hover,
.toc a.is-active {
  background: var(--surface-soft);
  color: var(--brand-dark);
}

.content-card {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  background: var(--surface);
  box-shadow: var(--shadow);
}

.policy-section {
  padding: clamp(28px, 5vw, 54px);
  border-bottom: 1px solid var(--line);
  scroll-margin-top: 20px;
}

.policy-section:last-child {
  border-bottom: 0;
}

.policy-section h2 {
  margin: 0 0 18px;
  color: var(--ink);
  font-size: clamp(27px, 4vw, 42px);
  line-height: 1.1;
  letter-spacing: -.04em;
}

.policy-section h3 {
  margin: 0 0 8px;
  font-size: 19px;
}

.policy-section p {
  margin: 0;
  color: var(--muted);
}

.policy-section p + p,
.policy-section .notice-box,
.policy-section .data-table-wrap,
.policy-section .clean-list,
.provider-grid,
.accordion,
.action-row,
.contact-card {
  margin-top: 18px;
}

.notice-box {
  display: grid;
  gap: 6px;
  padding: 18px 20px;
  border: 1px solid #f0dd9c;
  border-radius: var(--radius-md);
  background: var(--warning-soft);
  color: #5f4b00;
}

.notice-box span {
  color: #66592a;
}

.data-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
}

.data-table {
  width: 100%;
  min-width: 760px;
  border-collapse: collapse;
  background: var(--surface);
}

.data-table th,
.data-table td {
  padding: 16px;
  border-bottom: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}

.data-table th {
  background: var(--surface-soft);
  color: var(--ink);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: .08em;
}

.data-table tr:last-child td {
  border-bottom: 0;
}

.data-table td {
  color: var(--muted);
  font-size: 14px;
}

.data-table td:first-child {
  width: 24%;
  color: var(--ink);
  font-weight: 700;
}

.clean-list {
  display: grid;
  gap: 12px;
  padding-left: 22px;
  color: var(--muted);
}

.clean-list strong {
  color: var(--ink);
}

.provider-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.provider-grid article {
  min-height: 100%;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: linear-gradient(180deg, var(--surface), #f8fbff);
}

.provider-grid p {
  font-size: 14px;
}

.provider-grid a {
  display: inline-block;
  margin-top: 14px;
  font-weight: 700;
}

.accordion {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
}

.accordion-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  width: 100%;
  padding: 18px 20px;
  border: 0;
  border-bottom: 1px solid var(--line);
  background: var(--surface);
  color: var(--ink);
  font-weight: 800;
  cursor: pointer;
  text-align: left;
}

.accordion-trigger:hover {
  background: #f8fbff;
}

.accordion-trigger span:not(.sr-only) {
  flex: 0 0 auto;
  width: 12px;
  height: 12px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg);
  transition: transform .2s ease;
}

.accordion-trigger[aria-expanded="true"] span:not(.sr-only) {
  transform: rotate(225deg);
}

.accordion-panel {
  padding: 0 20px 18px;
  border-bottom: 1px solid var(--line);
  background: #fbfdff;
}

.accordion-panel:last-child,
.accordion-trigger:last-of-type {
  border-bottom: 0;
}

.action-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.button-link,
.contact-card button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 11px 17px;
  border: 1px solid var(--brand);
  border-radius: 999px;
  background: var(--brand);
  color: #fff;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
}

.button-muted {
  border-color: var(--line);
  background: var(--surface);
  color: var(--ink);
}

.contact-section {
  background: linear-gradient(180deg, #fff, #f7fbff);
}

.contact-card {
  display: grid;
  grid-template-columns: 1fr auto auto;
  align-items: center;
  gap: 12px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--surface);
}

.contact-card span {
  color: var(--muted);
  font-size: 14px;
}

.contact-card a {
  font-size: 18px;
  font-weight: 800;
}

.contact-card button {
  min-height: 40px;
  padding: 9px 14px;
  border-color: var(--charcoal-2);
  background: var(--charcoal-2);
}

.site-footer {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  width: min(1160px, calc(100% - 32px));
  margin: 28px auto 0;
  padding: 28px 0 44px;
  color: var(--muted);
}

.site-footer p {
  margin: 0;
}

.toast {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 999;
  max-width: min(360px, calc(100% - 36px));
  padding: 13px 16px;
  border-radius: 14px;
  background: var(--charcoal);
  color: #fff;
  box-shadow: var(--shadow);
  transform: translateY(150%);
  opacity: 0;
  transition: transform .2s ease, opacity .2s ease;
}

.toast.is-visible {
  transform: translateY(0);
  opacity: 1;
}

@media (max-width: 920px) {
  .nav-toggle {
    display: block;
  }

  .nav-links {
    position: absolute;
    top: 82px;
    left: 16px;
    right: 16px;
    display: grid;
    padding: 12px;
    border: 1px solid rgba(255, 255, 255, .16);
    border-radius: 18px;
    background: rgba(32, 36, 43, .97);
    box-shadow: var(--shadow);
    transform: translateY(-14px);
    opacity: 0;
    pointer-events: none;
    transition: transform .2s ease, opacity .2s ease;
  }

  .nav-links.is-open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }

  .hero {
    grid-template-columns: 1fr;
    padding-top: 46px;
  }

  .page-shell {
    grid-template-columns: 1fr;
  }

  .toc {
    position: static;
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .toc strong {
    grid-column: 1 / -1;
  }

  .provider-grid {
    grid-template-columns: 1fr;
  }

  .contact-card {
    grid-template-columns: 1fr;
    align-items: start;
  }
}

@media (max-width: 580px) {
  .topbar,
  .hero,
  .page-shell,
  .site-footer {
    width: min(100% - 24px, 1160px);
  }

  .brand small {
    display: none;
  }

  .hero h1 {
    font-size: clamp(38px, 14vw, 56px);
  }

  .hero-card,
  .policy-section {
    padding: 22px;
  }

  .toc {
    grid-template-columns: 1fr;
  }

  .site-footer {
    flex-direction: column;
  }
}

@media print {
  .topbar,
  .toc,
  .site-footer,
  .action-row,
  .toast,
  .skip-link {
    display: none !important;
  }

  body {
    background: #fff;
  }

  .site-header {
    color: #000;
    background: #fff;
  }

  .hero,
  .page-shell {
    display: block;
    width: 100%;
    margin: 0;
    padding: 0;
  }

  .hero-card,
  .content-card,
  .policy-section {
    border: 0;
    box-shadow: none;
  }

  .hero-text,
  .policy-meta span,
  .hero-card ul {
    color: #000;
  }

  .content-card {
    border-radius: 0;
  }
}