:root {
  --ink: #1a2830;
  --slate: #506878;
  --muted: #71828d;
  --gold: #e8cc70;
  --blue: #3ea8cc;
  --canvas: #fcfaf5;
  --surface: #f3f0e8;
  --card: #ffffff;
  --border: #d8d0c0;
  --green: #527a61;
  --red: #a44f43;
  color-scheme: light;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--canvas);
  color: var(--ink);
  font-family:
    'DM Sans',
    'Avenir Next',
    Avenir,
    system-ui,
    -apple-system,
    BlinkMacSystemFont,
    'Segoe UI',
    sans-serif;
  font-size: 16px;
  line-height: 1.7;
}

address {
  font-style: normal;
}

a {
  color: #176f92;
  text-underline-offset: 0.16em;
}

a:hover {
  color: var(--ink);
}

a:focus-visible,
button:focus-visible {
  outline: 3px solid #176f92;
  outline-offset: 4px;
  border-radius: 3px;
}

.skip-link {
  position: fixed;
  z-index: 100;
  top: 0.75rem;
  left: 0.75rem;
  padding: 0.65rem 0.9rem;
  background: var(--ink);
  color: var(--canvas);
  transform: translateY(-180%);
}

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

.site-header {
  border-bottom: 1px solid rgba(216, 208, 192, 0.85);
  background: rgba(252, 250, 245, 0.96);
}

.header-inner,
.footer-inner {
  width: min(1120px, calc(100% - 2rem));
  margin: 0 auto;
}

.header-inner {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
}

.wordmark {
  color: var(--ink);
  font-family: Raleway, 'Avenir Next', sans-serif;
  font-size: 1.05rem;
  font-weight: 300;
  letter-spacing: 0.02em;
  text-decoration: none;
  white-space: nowrap;
}

.wordmark span {
  color: #b2902f;
}

.header-nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 0.45rem 1.1rem;
  font-size: 0.86rem;
}

.header-nav a {
  color: var(--slate);
  text-decoration: none;
}

.header-nav a[aria-current='page'],
.header-nav a:hover {
  color: var(--ink);
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-decoration-thickness: 2px;
  text-underline-offset: 0.35em;
}

.hero {
  padding: clamp(3.5rem, 9vw, 6.75rem) 0 clamp(2.5rem, 6vw, 4.5rem);
  background:
    radial-gradient(circle at 80% 10%, rgba(62, 168, 204, 0.12), transparent 28rem),
    linear-gradient(180deg, #fffdf8 0%, var(--canvas) 100%);
}

.hero-inner,
.content-layout,
.hub-grid,
.notice-band > div {
  width: min(980px, calc(100% - 2rem));
  margin: 0 auto;
}

.eyebrow {
  margin: 0 0 0.75rem;
  color: #8b6b14;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  font-family: Raleway, 'Avenir Next', sans-serif;
  font-weight: 400;
  line-height: 1.25;
}

h1 {
  max-width: 790px;
  margin: 0;
  font-size: clamp(2.35rem, 6vw, 4.25rem);
  letter-spacing: -0.035em;
}

.hero-lede {
  max-width: 750px;
  margin: 1.25rem 0 0;
  color: var(--slate);
  font-size: clamp(1.05rem, 2vw, 1.25rem);
}

.effective-date {
  display: inline-block;
  margin-top: 1.4rem;
  color: var(--muted);
  font-size: 0.86rem;
}

.content-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 220px;
  gap: clamp(2.5rem, 6vw, 5rem);
  align-items: start;
  padding: 1.25rem 0 5.5rem;
}

.legal-copy {
  min-width: 0;
}

.legal-copy > section {
  padding: 2.5rem 0;
  border-top: 1px solid var(--border);
  scroll-margin-top: 1rem;
}

.legal-copy > section:first-child {
  border-top: 0;
}

.legal-copy h2 {
  margin: 0 0 1rem;
  font-size: clamp(1.55rem, 3vw, 2rem);
  letter-spacing: -0.015em;
}

.legal-copy h3 {
  margin: 1.7rem 0 0.55rem;
  font-size: 1.1rem;
  font-weight: 600;
}

.legal-copy p,
.legal-copy ul,
.legal-copy ol {
  margin: 0.85rem 0;
}

.legal-copy li + li {
  margin-top: 0.55rem;
}

.legal-copy strong {
  color: #142129;
}

.toc {
  position: sticky;
  top: 1rem;
  margin-top: 2.5rem;
  padding: 1.15rem 1.2rem;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.72);
  font-size: 0.84rem;
}

.toc strong {
  display: block;
  margin-bottom: 0.7rem;
  color: var(--ink);
  font-size: 0.72rem;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}

.toc a {
  display: block;
  padding: 0.22rem 0;
  color: var(--slate);
  text-decoration: none;
}

.toc a:hover {
  color: var(--ink);
  text-decoration: underline;
}

.callout {
  margin: 1.5rem 0;
  padding: 1.15rem 1.25rem;
  border-left: 4px solid var(--blue);
  border-radius: 0 12px 12px 0;
  background: #eaf4f7;
}

.callout.warning {
  border-left-color: var(--red);
  background: #f9ebe8;
}

.callout.success {
  border-left-color: var(--green);
  background: #eaf3ed;
}

.callout p:first-child,
.callout p:last-child {
  margin-top: 0;
  margin-bottom: 0;
}

.data-table-wrap {
  width: 100%;
  margin: 1.5rem 0;
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: 13px;
  background: var(--card);
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}

th,
td {
  padding: 0.95rem 1rem;
  border-bottom: 1px solid #e8e3d9;
  text-align: left;
  vertical-align: top;
}

th {
  background: var(--surface);
  color: var(--ink);
  font-size: 0.78rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

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

.steps {
  margin: 1.35rem 0;
  padding: 0;
  list-style: none;
  counter-reset: step;
}

.steps li {
  position: relative;
  min-height: 3rem;
  margin: 0 0 1rem;
  padding: 0.25rem 0 0 3.6rem;
  counter-increment: step;
}

.steps li::before {
  content: counter(step);
  position: absolute;
  top: 0;
  left: 0;
  width: 2.45rem;
  height: 2.45rem;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--ink);
  color: var(--canvas);
  font-weight: 700;
}

.button-link {
  display: inline-block;
  margin-top: 0.5rem;
  padding: 0.72rem 1rem;
  border-radius: 999px;
  background: var(--ink);
  color: var(--canvas);
  font-size: 0.9rem;
  font-weight: 700;
  text-decoration: none;
}

.button-link:hover {
  background: var(--blue);
  color: #10232c;
}

.notice-band {
  padding: 1.2rem 0;
  background: var(--ink);
  color: var(--canvas);
}

.notice-band > div {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.notice-band p {
  margin: 0;
}

.notice-band a {
  color: var(--gold);
}

.hub-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  padding: 0 0 5.5rem;
}

.hub-card {
  display: block;
  min-height: 190px;
  padding: 1.5rem;
  border: 1px solid var(--border);
  border-radius: 16px;
  background: var(--card);
  color: var(--ink);
  text-decoration: none;
  transition:
    transform 160ms ease,
    box-shadow 160ms ease,
    border-color 160ms ease;
}

.hub-card:hover {
  transform: translateY(-3px);
  border-color: #9ebdc9;
  box-shadow: 0 14px 30px rgba(26, 40, 48, 0.08);
  color: var(--ink);
}

.hub-card h2 {
  margin: 0 0 0.55rem;
  font-size: 1.4rem;
}

.hub-card p {
  margin: 0;
  color: var(--slate);
}

.hub-card .arrow {
  display: block;
  margin-top: 1.25rem;
  color: #176f92;
  font-weight: 700;
}

.site-footer {
  padding: 2.5rem 0;
  background: #142129;
  color: #e8e4da;
  font-size: 0.84rem;
}

.site-footer .wordmark {
  color: #fcfaf5;
}

.site-footer .wordmark span {
  color: var(--gold);
}

.footer-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 1.25rem 2rem;
  align-items: start;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 0.55rem 1rem;
}

.footer-links a {
  color: #e8e4da;
}

.footer-note {
  grid-column: 1 / -1;
  margin: 0;
  color: #aeb9be;
}

@media (max-width: 760px) {
  .header-inner {
    align-items: flex-start;
    flex-direction: column;
    padding: 1rem 0;
  }

  .header-nav {
    justify-content: flex-start;
  }

  .content-layout {
    display: block;
  }

  .toc {
    position: static;
    margin: 0 0 1rem;
    columns: 2;
  }

  .toc strong {
    column-span: all;
  }

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

  .notice-band > div,
  .footer-inner {
    display: block;
  }

  .notice-band a {
    display: inline-block;
    margin-top: 0.5rem;
  }

  .footer-links {
    justify-content: flex-start;
    margin: 1rem 0;
  }
}

@media (max-width: 460px) {
  .toc {
    columns: 1;
  }

  th,
  td {
    padding: 0.8rem;
  }
}

@media print {
  .skip-link,
  .header-nav,
  .toc,
  .notice-band,
  .site-footer {
    display: none;
  }

  body {
    background: white;
    color: black;
  }

  .content-layout {
    display: block;
    width: 100%;
  }

  .hero {
    padding: 2rem 0 1rem;
  }

  .legal-copy > section {
    break-inside: avoid;
  }
}