:root{--navy:#0B2B60;--navy-deep:#071D42;--gold:#F5BD35;--red:#D92332;--ivory:#FFF8E8;--ink:#18243a;--muted:#657087;--line:#e4e8ef;--surface:#fff;--shadow:0 18px 55px rgba(11,43,96,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:#f7f8fb;color:var(--ink);font-family:"DM Sans",sans-serif;line-height:1.7;-webkit-font-smoothing:antialiased}a{color:var(--navy);text-underline-offset:3px}a:hover{color:#174c9a}.skip-link{position:absolute;left:16px;top:-60px;z-index:100;padding:10px 14px;background:white;border-radius:8px}.skip-link:focus{top:12px}
.site-header{background:var(--navy-deep);color:white;position:relative;z-index:5}.header-inner{max-width:1180px;margin:0 auto;min-height:86px;padding:16px 28px;display:flex;justify-content:space-between;align-items:center;gap:24px}.brand{display:inline-flex;align-items:center;gap:12px;text-decoration:none;color:white}.brand:hover{color:white}.brand-mark{display:grid;place-items:center;width:47px;height:47px;border-radius:13px;color:var(--navy-deep);background:var(--gold);font:800 18px "Manrope",sans-serif;letter-spacing:-1px}.brand-copy{display:grid;line-height:1.25;gap:5px}.brand-name{font:800 16px "Manrope",sans-serif;letter-spacing:.08em}.brand-tagline{font-size:9px;letter-spacing:.15em;color:#d5deed;font-weight:700}.back-link{color:#f3f6fb;font-size:13px;font-weight:600;text-decoration:none;padding:10px 14px;border:1px solid rgba(255,255,255,.22);border-radius:10px}.back-link:hover{background:rgba(255,255,255,.1);color:white}.back-link span{color:var(--gold);margin-right:6px;font-size:18px}
.hero{position:relative;overflow:hidden;background:linear-gradient(120deg,var(--navy-deep),#0B3677 68%,#11427e);color:white}.hero-content{max-width:1180px;margin:0 auto;padding:72px 28px 78px;position:relative;z-index:1}.eyebrow{margin:0 0 16px;color:var(--gold);font-size:11px;font-weight:800;letter-spacing:.19em;display:flex;align-items:center;gap:9px}.eyebrow-dot{display:inline-block;width:7px;height:7px;border-radius:50%;background:var(--red);box-shadow:0 0 0 4px rgba(217,35,50,.18)}h1,h2,p{margin-top:0}h1{margin-bottom:16px;max-width:800px;font:800 clamp(36px,5vw,58px)/1.13 "Manrope",sans-serif;letter-spacing:-.045em}.hero-description{max-width:690px;margin-bottom:24px;color:#dbe5f4;font-size:16px;line-height:1.8}.updated-pill{display:inline-flex;gap:8px;align-items:center;padding:8px 13px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:#e8edf7;font-size:12px}.updated-pill strong{color:white}.calendar-icon{color:var(--gold);font-size:18px}.hero-decoration{position:absolute;border:1px solid rgba(255,255,255,.08);border-radius:50%;pointer-events:none}.hero-decoration-one{width:420px;height:420px;right:-100px;top:-230px;box-shadow:0 0 0 35px rgba(255,255,255,.025),0 0 0 70px rgba(255,255,255,.018)}.hero-decoration-two{width:250px;height:250px;right:20%;bottom:-215px;box-shadow:0 0 0 24px rgba(245,189,53,.05)}
.page-layout{max-width:1180px;margin:-28px auto 80px;padding:0 28px;display:grid;grid-template-columns:270px minmax(0,1fr);align-items:start;gap:26px;position:relative;z-index:2}.contents-card,.terms-card{background:var(--surface);border:1px solid #e9edf4;border-radius:18px;box-shadow:var(--shadow)}.contents-card{padding:22px 18px 18px;position:sticky;top:20px}.contents-heading{margin:0 0 12px 10px;font-size:10px;font-weight:800;color:#8b95a7;letter-spacing:.16em}#table-of-contents{display:grid;gap:3px}#table-of-contents a{display:block;padding:8px 10px;border-radius:8px;color:#5a667b;font-size:12px;line-height:1.4;text-decoration:none;border-left:2px solid transparent;transition:all .18s ease}#table-of-contents a:hover{color:var(--navy);background:#f4f7fc}#table-of-contents a.active{color:var(--navy);font-weight:700;background:#eef3fb;border-left-color:var(--gold)}.print-button{margin-top:20px;width:100%;border:1px solid #dce3ee;border-radius:9px;background:white;color:var(--navy);padding:10px 12px;font:700 12px "DM Sans",sans-serif;cursor:pointer}.print-button:hover{background:#f4f7fc;border-color:#b9c8df}.print-button span{font-size:17px;margin-right:6px}.terms-card{padding:34px 40px 28px;min-width:0}.notice{display:flex;gap:13px;padding:16px 18px;margin-bottom:30px;background:var(--ivory);border:1px solid #f4e4b6;border-radius:12px}.notice-icon{display:grid;place-items:center;flex:0 0 23px;height:23px;border-radius:50%;background:var(--gold);color:var(--navy-deep);font-weight:800;font-size:13px}.notice p{margin:0;color:#5f4b19;font-size:12px;line-height:1.7}.terms-section{display:grid;grid-template-columns:42px minmax(0,1fr);gap:17px;padding:25px 0 26px;border-bottom:1px solid var(--line);scroll-margin-top:28px}.terms-section:first-of-type{padding-top:0}.section-number{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:11px;background:#eef3fb;color:var(--navy);font:800 11px "Manrope",sans-serif}.terms-section h2{margin:2px 0 11px;color:var(--navy-deep);font:800 19px/1.4 "Manrope",sans-serif;letter-spacing:-.025em}.terms-section p,.terms-section li{color:#596579;font-size:13px;line-height:1.9}.terms-section p{margin-bottom:12px}.terms-section p:last-child{margin-bottom:0}.terms-section ul{margin:10px 0 0;padding-left:21px}.terms-section li{margin-bottom:7px;padding-left:3px}.terms-section li::marker{color:var(--red)}.terms-section strong{color:#303d53}.contact-panel{margin-top:18px;padding:17px;border-radius:12px;background:#f7f9fc;border:1px solid #e8edf5;display:grid;gap:13px}.contact-item{display:grid;gap:3px}.contact-label{font-size:10px;font-weight:800;color:#8b95a7;letter-spacing:.11em;text-transform:uppercase}.contact-item strong{color:#28364d;font-size:13px;font-weight:600;overflow-wrap:anywhere}.end-note{display:flex;align-items:center;gap:11px;padding:23px 0 7px}.end-check{display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:#e8f5ec;color:#20844b;font-weight:800}.end-note p{margin:0;font:700 14px "Manrope",sans-serif;color:var(--navy)}.template-note{margin:20px 0 0;padding-top:16px;border-top:1px dashed #dce3ee;color:#929bad;font-size:10px;line-height:1.7}
.site-footer{background:#071a38;color:#dce4f1}.footer-inner{max-width:1180px;margin:0 auto;padding:38px 28px 32px;display:flex;flex-direction:column;align-items:center;text-align:center}.footer-brand{color:white;font:800 15px "Manrope",sans-serif;letter-spacing:.12em;text-decoration:none}.footer-inner>p{margin:6px 0 16px;font-size:9px;font-weight:700;letter-spacing:.17em;color:#aab8ce}.footer-links{display:flex;align-items:center;gap:10px;margin-bottom:20px;font-size:12px}.footer-links a{color:#dce4f1;text-decoration:none}.footer-links a:hover{color:var(--gold)}.footer-links span{color:var(--gold)}.footer-inner small{color:#8e9db5;font-size:11px}
@media(max-width:900px){.page-layout{grid-template-columns:1fr;margin-top:-22px;gap:18px}.contents-card{position:static}#table-of-contents{grid-template-columns:repeat(2,minmax(0,1fr))}.print-button{margin-top:14px}}
@media(max-width:600px){.header-inner{min-height:74px;padding:13px 18px;gap:10px}.brand-mark{width:40px;height:40px;border-radius:11px;font-size:16px}.brand-name{font-size:12px}.brand-tagline{font-size:7px;letter-spacing:.1em}.back-link{padding:8px 9px;font-size:11px;white-space:nowrap}.hero-content{padding:52px 20px 57px}.hero-description{font-size:14px}.page-layout{padding:0 14px;margin-bottom:48px}.contents-card{padding:18px 13px 14px;border-radius:14px}#table-of-contents{grid-template-columns:1fr}#table-of-contents a{padding:8px 9px;font-size:12px}.terms-card{padding:22px 17px 20px;border-radius:14px}.notice{padding:13px;gap:9px}.terms-section{grid-template-columns:31px minmax(0,1fr);gap:11px;padding:21px 0}.section-number{width:30px;height:30px;border-radius:9px;font-size:10px}.terms-section h2{font-size:16px}.terms-section p,.terms-section li{font-size:12px}.footer-inner{padding:30px 18px 26px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}}
@media print{body{background:white;color:black;font-size:11pt}.site-header,.site-footer,.contents-card,.hero-decoration,.print-button,.skip-link{display:none!important}.hero{background:white;color:black;border-bottom:2px solid #0B2B60}.hero-content{padding:24px 0}.hero-description,.updated-pill{color:#333}.page-layout{display:block;max-width:none;padding:0;margin:0}.terms-card{border:0;box-shadow:none;padding:20px 0}.terms-section{break-inside:avoid}a{color:black;text-decoration:none}.template-note{color:#555}}