:root {
    --navy: #0D2340;
    --blue: #1A4B8C;
    --accent: #C49A3C;
    --light-blue: #E8EFF8;
    --text: #1C2B3A;
    --muted: #5A6A7A;
    --border: #D0DAE6;
    --bg: #F7F9FC;
    --white: #FFFFFF;
  }

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

  body {
    font-family: 'Source Sans 3', sans-serif;
    font-weight: 300;
    background: var(--bg);
    color: var(--text);
    line-height: 1.8;
    font-size: 16px;
  }

  /* Header */
  .site-header {
    background: var(--navy);
    padding: 28px 0;
    border-bottom: 3px solid var(--accent);
  }
  .site-header .inner {
    max-width: 860px;
    margin: 0 auto;
    padding: 0 40px;
    display: flex;
    align-items: center;
    gap: 16px;
  }
  .logo-mark {
    width: 44px;
    height: 44px;
    background: var(--accent);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
  }
  .logo-mark svg { width: 26px; height: 26px; }
  .company-name {
    font-family: 'Playfair Display', serif;
    font-size: 22px;
    font-weight: 700;
    color: var(--white);
    letter-spacing: 0.04em;
  }
  .company-name span {
    display: block;
    font-family: 'Source Sans 3', sans-serif;
    font-size: 11px;
    font-weight: 300;
    letter-spacing: 0.2em;
    color: var(--accent);
    text-transform: uppercase;
    margin-top: 2px;
  }

  /* Hero */
  .hero {
    background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
    padding: 56px 40px 48px;
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: repeating-linear-gradient(
      0deg, transparent, transparent 39px, rgba(255,255,255,0.03) 40px
    ),
    repeating-linear-gradient(
      90deg, transparent, transparent 39px, rgba(255,255,255,0.03) 40px
    );
  }
  .hero-label {
    display: inline-block;
    font-size: 11px;
    letter-spacing: 0.25em;
    text-transform: uppercase;
    color: var(--accent);
    font-weight: 600;
    margin-bottom: 14px;
  }
  .hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: 42px;
    font-weight: 700;
    color: var(--white);
    line-height: 1.2;
    position: relative;
    z-index: 1;
  }
  .hero-meta {
    margin-top: 18px;
    font-size: 14px;
    color: rgba(255,255,255,0.55);
    letter-spacing: 0.06em;
    position: relative;
    z-index: 1;
  }
  .hero-meta strong { color: rgba(255,255,255,0.8); font-weight: 400; }

  /* Layout */
  .page-wrap {
    max-width: 860px;
    margin: 0 auto;
    padding: 60px 40px 80px;
  }

  /* TOC */
  .toc {
    background: var(--white);
    border: 1px solid var(--border);
    border-left: 4px solid var(--accent);
    padding: 28px 32px;
    margin-bottom: 52px;
    border-radius: 0 4px 4px 0;
  }
  .toc-title {
    font-family: 'Playfair Display', serif;
    font-size: 14px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.15em;
    color: var(--navy);
    margin-bottom: 16px;
  }
  .toc ol {
    list-style: none;
    column-count: 2;
    column-gap: 32px;
  }
  .toc ol li {
    margin-bottom: 8px;
    break-inside: avoid;
  }
  .toc ol li a {
    font-size: 14px;
    color: var(--blue);
    text-decoration: none;
    font-weight: 400;
    transition: color 0.2s;
  }
  .toc ol li a:hover { color: var(--accent); }
  .toc ol li .num {
    font-weight: 600;
    color: var(--accent);
    margin-right: 6px;
    font-size: 12px;
  }

  /* Sections */
  .policy-section {
    margin-bottom: 48px;
    scroll-margin-top: 24px;
  }

  h2.section-title {
    font-family: 'Playfair Display', serif;
    font-size: 22px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 16px;
    padding-bottom: 10px;
    border-bottom: 1px solid var(--border);
    display: flex;
    align-items: baseline;
    gap: 12px;
  }
  h2.section-title .sec-num {
    font-family: 'Source Sans 3', sans-serif;
    font-size: 12px;
    font-weight: 600;
    color: var(--accent);
    letter-spacing: 0.1em;
    flex-shrink: 0;
  }

  h3.subsection-title {
    font-family: 'Source Sans 3', sans-serif;
    font-size: 15px;
    font-weight: 600;
    color: var(--blue);
    margin: 20px 0 8px;
    letter-spacing: 0.02em;
  }

  p { margin-bottom: 14px; font-size: 15.5px; }

  ul.policy-list {
    list-style: none;
    margin: 10px 0 14px 0;
    padding: 0;
  }
  ul.policy-list li {
    font-size: 15.5px;
    padding: 6px 0 6px 22px;
    position: relative;
    border-bottom: 1px solid var(--light-blue);
  }
  ul.policy-list li:last-child { border-bottom: none; }
  ul.policy-list li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 15px;
    width: 7px;
    height: 7px;
    background: var(--accent);
    transform: rotate(45deg);
  }

  /* Contact card */
  .contact-card {
    background: var(--navy);
    color: var(--white);
    padding: 32px 36px;
    border-radius: 4px;
    margin-top: 16px;
  }
  .contact-card .contact-row {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 12px;
    font-size: 15px;
  }
  .contact-card .contact-row:last-child { margin-bottom: 0; }
  .contact-card .label {
    font-size: 11px;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--accent);
    font-weight: 600;
    min-width: 80px;
  }
  .contact-card a { color: var(--white); text-decoration: none; border-bottom: 1px solid rgba(196,154,60,0.4); }
  .contact-card a:hover { color: var(--accent); border-color: var(--accent); }

  /* Highlight box */
  .highlight-box {
    background: var(--light-blue);
    border-left: 3px solid var(--blue);
    padding: 18px 22px;
    margin: 18px 0;
    font-size: 15px;
    font-style: italic;
    color: var(--muted);
  }

  /* Footer */
  .page-footer {
    background: var(--navy);
    text-align: center;
    padding: 28px 40px;
    font-size: 13px;
    color: rgba(255,255,255,0.4);
    border-top: 2px solid var(--accent);
  }
  .page-footer a { color: var(--accent); text-decoration: none; }

  @media (max-width: 640px) {
    .hero h1 { font-size: 30px; }
    .page-wrap { padding: 40px 20px 60px; }
    .toc ol { column-count: 1; }
    .site-header .inner { padding: 0 20px; }
    .hero { padding: 40px 20px 36px; }
  }