* {
    margin: 0;
    padding: 0;
    box-sizing: border-box
}

:root {
    --navy: #003580;
    --navy-dark: #001f4d;
    --navy-mid: #00469e;
    --saffron: #FF8C00;
    --saffron-light: #FFA733;
    --green-ind: #138808;
    --white: #ffffff;
    --off: #f5f7fc;
    --text: #1a1a2e;
    --muted: #5a6478;
    --border: #e0e7f3;
}

html {
    scroll-behavior: smooth
}

body {
    font-family: 'DM Sans', sans-serif;
    color: var(--text);
    background: var(--white);
    overflow-x: hidden
}

.tricolor {
    display: flex;
    height: 5px
}

.tricolor div {
    flex: 1
}

.ticker {
    background: var(--navy-dark);
    color: #fff;
    padding: 8px 0;
    overflow: hidden;
    font-size: 0.8rem
}

.ticker-inner {
    display: flex;
    animation: tick 32s linear infinite;
    white-space: nowrap
}

.ticker-item {
    padding: 0 3rem;
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255, 255, 255, 0.8)
}

.ticker-item::before {
    content: '✦';
    color: var(--saffron);
    font-size: 0.7rem
}

@keyframes tick {
    0% {
        transform: translateX(0)
    }

    100% {
        transform: translateX(-50%)
    }
}

nav {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    padding: 0 5vw
}

.nav-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-family: 'Playfair Display', serif;
    font-size: 1.4rem;
    color: var(--navy);
    text-decoration: none;
    font-weight: 700
}

.logo-emblem {
    width: 36px;
    height: 36px;
    background: var(--navy);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 0.9rem;
    font-weight: 800
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 2rem;
    list-style: none
}

.nav-links a {
    text-decoration: none;
    color: var(--muted);
    font-size: 0.9rem;
    font-weight: 500;
    transition: color .2s
}

.nav-links a:hover {
    color: var(--navy)
}

.nav-cta {
    background: var(--saffron);
    color: #fff !important;
    padding: 8px 20px;
    border-radius: 6px;
    font-weight: 600 !important
}

.nav-phone {
    font-size: 0.85rem;
    color: var(--navy);
    font-weight: 600
}

.hamburger {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 40px;
    height: 40px;
    cursor: pointer;
    background: none;
    border: none;
    padding: 6px;
    border-radius: 8px;
    z-index: 1100
}

.hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--navy);
    border-radius: 2px;
    transition: all .35s cubic-bezier(.4, 0, .2, 1);
    transform-origin: center
}

.hamburger.open span:nth-child(1) {
    transform: translateY(7px) rotate(45deg)
}

.hamburger.open span:nth-child(2) {
    opacity: 0;
    transform: scaleX(0)
}

.hamburger.open span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg)
}

.nav-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.45);
    z-index: 1050;
    opacity: 0;
    transition: opacity .3s
}

.nav-overlay.show {
    opacity: 1
}

.mobile-drawer {
    position: fixed;
    top: 0;
    left: 0;
    height: 100%;
    width: 80%;
    max-width: 300px;
    background: var(--white);
    z-index: 1100;
    transform: translateX(-100%);
    transition: transform .35s cubic-bezier(.4, 0, .2, 1);
    box-shadow: 4px 0 32px rgba(0, 53, 128, 0.15);
    display: flex;
    flex-direction: column
}

.mobile-drawer.open {
    transform: translateX(0)
}

.drawer-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 20px;
    border-bottom: 1px solid var(--border)
}

.drawer-close {
    width: 36px;
    height: 36px;
    border: none;
    background: var(--off);
    border-radius: 8px;
    cursor: pointer;
    font-size: 1.1rem;
    color: var(--muted);
    display: flex;
    align-items: center;
    justify-content: center
}

.drawer-nav {
    flex: 1;
    overflow-y: auto;
    padding: 12px 0
}

.drawer-nav a {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px 24px;
    text-decoration: none;
    color: var(--text);
    font-size: 0.95rem;
    font-weight: 500;
    border-left: 3px solid transparent;
    transition: all .2s
}

.drawer-nav a:hover {
    background: var(--off);
    color: var(--navy);
    border-left-color: var(--navy)
}

.drawer-nav-icon {
    font-size: 1.1rem;
    width: 20px;
    text-align: center
}

.drawer-cta {
    padding: 20px;
    border-top: 1px solid var(--border)
}

.drawer-cta a {
    display: block;
    text-align: center;
    background: var(--saffron);
    color: #fff;
    padding: 14px;
    border-radius: 8px;
    font-weight: 600;
    text-decoration: none;
    font-size: 0.95rem
}

.drawer-phone {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 20px 0;
    font-size: 0.85rem;
    color: var(--navy);
    font-weight: 600;
    text-decoration: none
}

.mobile-drawer.open .drawer-nav a {
    animation: slideIn .3s ease forwards;
    opacity: 0
}

.mobile-drawer.open .drawer-nav a:nth-child(1) {
    animation-delay: .05s
}

.mobile-drawer.open .drawer-nav a:nth-child(2) {
    animation-delay: .10s
}

.mobile-drawer.open .drawer-nav a:nth-child(3) {
    animation-delay: .15s
}

.mobile-drawer.open .drawer-nav a:nth-child(4) {
    animation-delay: .20s
}

.mobile-drawer.open .drawer-nav a:nth-child(5) {
    animation-delay: .25s
}

@keyframes slideIn {
    from {
        opacity: 0;
        transform: translateX(-18px)
    }

    to {
        opacity: 1;
        transform: translateX(0)
    }
}

/* HERO */
.page-hero {
    background: linear-gradient(135deg, #1a0533 0%, #2d0b5e 45%, #3d1278 100%);
    padding: 52px 5vw 60px;
    position: relative;
    overflow: hidden
}

.page-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Ccircle cx='30' cy='30' r='2'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E")
}

.page-hero::after {
    content: '';
    position: absolute;
    right: -80px;
    top: -80px;
    width: 420px;
    height: 420px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 140, 0, 0.12) 0%, transparent 70%)
}

.hero-inner {
    max-width: 1350px;
    margin: 0 auto;
    position: relative;
    z-index: 1
}

.breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 16px;
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.5)
}

.breadcrumb a {
    color: rgba(255, 255, 255, 0.5);
    text-decoration: none
}

.breadcrumb a:hover {
    color: #fff
}

.breadcrumb span {
    color: rgba(255, 255, 255, 0.25)
}

.page-hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.8rem, 3vw, 2.8rem);
    color: #fff;
    font-weight: 800;
    margin-bottom: 12px
}

.page-hero h1 em {
    color: var(--saffron);
    font-style: normal
}

.page-hero p {
    color: rgba(255, 255, 255, 0.68);
    font-size: 0.95rem;
    max-width: 560px;
    line-height: 1.75;
    font-weight: 300;
    margin-bottom: 20px
}

.hero-meta {
    display: flex;
    gap: 12px;
    flex-wrap: wrap
}

.meta-tag {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: 100px;
    padding: 5px 14px;
    font-size: 0.77rem;
    color: rgba(255, 255, 255, 0.85);
    font-weight: 500
}

/* ACCEPTANCE BANNER */
.accept-banner {
    background: var(--saffron);
    padding: 14px 5vw;
    text-align: center
}

.accept-banner p {
    font-size: 0.85rem;
    color: #fff;
    font-weight: 500;
    line-height: 1.5
}

.accept-banner strong {
    font-weight: 700
}

/* LAYOUT */
.page-body {
    padding: 56px 5vw;
    background: var(--off)
}

.page-inner {
    max-width: 1350px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 240px 1fr;
    gap: 40px;
    align-items: start
}

/* TOC */
.toc {
    position: sticky;
    top: 88px;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 24px;
    overflow: hidden
}

.toc-label {
    font-size: 0.72rem;
    font-weight: 700;
    color: var(--navy);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 14px
}

.toc-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 2px
}

.toc-list a {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    padding: 7px 10px;
    font-size: 0.82rem;
    color: var(--muted);
    text-decoration: none;
    border-radius: 8px;
    border-left: 2px solid transparent;
    transition: all .2s;
    font-weight: 400;
    line-height: 1.4
}

.toc-list a:hover,
.toc-list a.active {
    color: var(--navy);
    background: var(--off);
    border-left-color: var(--navy);
    font-weight: 500
}

.toc-num {
    font-size: 0.68rem;
    font-weight: 700;
    color: var(--saffron);
    min-width: 18px;
    padding-top: 2px;
    flex-shrink: 0
}

.toc-footer {
    margin-top: 18px;
    padding-top: 16px;
    border-top: 1px solid var(--border);
    font-size: 0.72rem;
    color: var(--muted);
    font-weight: 300;
    line-height: 1.6
}

/* SECTIONS */
.content {
    display: flex;
    flex-direction: column;
    gap: 20px
}

.sec {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 32px;
    scroll-margin-top: 90px
}

.sec-header {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 20px;
    padding-bottom: 18px;
    border-bottom: 1px solid var(--border)
}

.sec-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    flex-shrink: 0
}

.sec-eyebrow {
    font-size: 0.7rem;
    font-weight: 600;
    color: var(--saffron);
    letter-spacing: 0.1em;
    text-transform: uppercase;
    margin-bottom: 5px
}

.sec-title {
    font-family: 'Playfair Display', serif;
    font-size: 1.2rem;
    font-weight: 800;
    color: var(--text);
    line-height: 1.2
}

.sec p {
    font-size: 0.9rem;
    color: var(--muted);
    line-height: 1.85;
    font-weight: 300;
    margin-bottom: 12px
}

.sec p:last-child {
    margin-bottom: 0
}

.sec p strong {
    color: var(--text);
    font-weight: 600
}

.sec h4 {
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--text);
    margin: 16px 0 8px
}

/* LISTS */
.clause-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 9px;
    margin: 12px 0
}

.clause-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.875rem;
    color: var(--muted);
    line-height: 1.7;
    font-weight: 300
}

.clause-list li .bullet {
    width: 22px;
    height: 22px;
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.72rem;
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 1px
}

/* INFO BOXES */
.box {
    border-radius: 10px;
    padding: 15px 18px;
    margin: 14px 0;
    font-size: 0.875rem;
    line-height: 1.7;
    font-weight: 400
}

.box.navy {
    background: #eef3ff;
    border-left: 3px solid var(--navy);
    color: var(--navy)
}

.box.green {
    background: #e8f5e9;
    border-left: 3px solid var(--green-ind);
    color: #1b5e20
}

.box.amber {
    background: #fff8e1;
    border-left: 3px solid #f9a825;
    color: #5d4037
}

.box.red {
    background: #fff5f5;
    border-left: 3px solid #e53935;
    color: #b71c1c
}

.box.purple {
    background: #f3e5f5;
    border-left: 3px solid #7b1fa2;
    color: #4a148c
}

/* TABLE */
.styled-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.85rem;
    margin: 14px 0;
    border-radius: 10px;
    overflow: hidden;
    border: 1px solid var(--border)
}

.styled-table th {
    background: var(--navy);
    color: #fff;
    padding: 11px 16px;
    text-align: left;
    font-size: 0.78rem;
    font-weight: 600
}

.styled-table td {
    padding: 11px 16px;
    border-bottom: 1px solid var(--border);
    color: var(--text);
    font-weight: 300;
    vertical-align: top;
    line-height: 1.55
}

.styled-table tr:last-child td {
    border-bottom: none
}

.styled-table tr:nth-child(even) td {
    background: var(--off)
}

.tag {
    display: inline-block;
    font-size: 0.7rem;
    font-weight: 600;
    padding: 2px 8px;
    border-radius: 100px
}

.tag.green {
    background: #e8f5e9;
    color: #1b5e20
}

.tag.red {
    background: #ffebee;
    color: #c62828
}

.tag.amber {
    background: #fff8e1;
    color: #f57f17
}

/* HIGHLIGHT GRID */
.hl-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin: 14px 0
}

.hl-card {
    border-radius: 10px;
    padding: 16px;
    display: flex;
    gap: 12px;
    align-items: flex-start;
    border: 1px solid var(--border)
}

.hl-icon {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.95rem;
    flex-shrink: 0
}

.hl-text h4 {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text);
    margin-bottom: 4px
}

.hl-text p {
    font-size: 0.78rem;
    color: var(--muted);
    font-weight: 300;
    line-height: 1.5
}

/* CONTACT BOX */
.cta-box {
    background: linear-gradient(135deg, var(--navy-dark), var(--navy));
    border-radius: 14px;
    padding: 28px 32px;
    display: flex;
    align-items: center;
    gap: 24px;
    flex-wrap: wrap;
    margin-top: 16px
}

.cta-box-text {
    flex: 1
}

.cta-box-text h4 {
    font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 8px
}

.cta-box-text p {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.68);
    font-weight: 300;
    line-height: 1.6
}

.cta-links {
    display: flex;
    flex-direction: column;
    gap: 8px;
    flex-shrink: 0
}

.cta-links a {
    display: flex;
    align-items: center;
    gap: 8px;
    color: #fff;
    text-decoration: none;
    font-size: 0.84rem;
    font-weight: 500;
    padding: 8px 16px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 8px;
    border: 1px solid rgba(255, 255, 255, 0.15);
    transition: all .2s;
    white-space: nowrap
}

.cta-links a:hover {
    background: rgba(255, 255, 255, 0.2)
}

/* FOOTER */
footer {
    background: var(--navy-dark);
    color: rgba(255, 255, 255, 0.7);
    padding: 60px 5vw 0
}

.footer-grid {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1)
}

.footer-brand .logo {
    color: #fff;
    display: inline-flex
}

.footer-brand p {
    font-size: 0.85rem;
    line-height: 1.7;
    max-width: 280px;
    font-weight: 300;
    margin-top: 14px
}

.footer-col h5 {
    font-size: 0.85rem;
    font-weight: 600;
    color: #fff;
    margin-bottom: 16px;
    text-transform: uppercase;
    letter-spacing: 0.08em
}

.footer-col ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px
}

.footer-col ul li a {
    text-decoration: none;
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.85rem;
    transition: color .2s;
    font-weight: 300
}

.footer-col ul li a:hover {
    color: #fff
}

.footer-bottom {
    max-width: 1200px;
    margin: 0 auto;
    padding: 20px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.4);
    flex-wrap: wrap;
    gap: 10px
}

.fbl {
    display: flex;
    gap: 20px
}

.fbl a {
    color: rgba(255, 255, 255, 0.4);
    text-decoration: none
}

.fbl a:hover {
    color: #fff
}

.wa-float {
    position: fixed;
    bottom: 28px;
    right: 28px;
    z-index: 999;
    background: #25D366;
    color: #fff;
    width: 58px;
    height: 58px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    font-size: 1.6rem;
    box-shadow: 0 4px 24px rgba(37, 211, 102, 0.4);
    transition: all .2s
}

.wa-float:hover {
    transform: scale(1.1)
}

.wa-tooltip {
    position: absolute;
    right: 70px;
    background: #fff;
    color: var(--text);
    padding: 8px 14px;
    border-radius: 8px;
    font-size: 0.8rem;
    font-weight: 500;
    white-space: nowrap;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.12);
    opacity: 0;
    pointer-events: none;
    transition: opacity .2s;
    border: 1px solid var(--border)
}

.wa-float:hover .wa-tooltip {
    opacity: 1
}

@media(max-width:900px) {
    .page-inner {
        grid-template-columns: 1fr
    }

    .toc {
        position: static;
        margin-bottom: 4px
    }

    .toc-list {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 4px
    }

    .hl-grid {
        grid-template-columns: 1fr
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr
    }
}

@media(max-width:768px) {

    .nav-links,
    .nav-phone {
        display: none
    }

    .hamburger {
        display: flex
    }

    .nav-overlay {
        display: block
    }

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

    .styled-table {
        font-size: 0.78rem
    }
}

@media(max-width:480px) {
    .footer-grid {
        grid-template-columns: 1fr
    }

    .sec {
        padding: 22px
    }

    .cta-box {
        flex-direction: column
    }
}