:root {
  color-scheme: light;
  --ink: #172033;
  --muted: #5f6676;
  --paper: #fffaf1;
  --panel: #ffffff;
  --line: #e7dcc8;
  --accent: #1f5fbf;
  --accent-dark: #173f7c;
  --warm: #c9782f;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: ui-serif, Georgia, "Times New Roman", serif;
  color: var(--ink);
  background:
    radial-gradient(circle at top left, rgba(199, 120, 47, 0.13), transparent 32rem),
    linear-gradient(180deg, #fffaf1 0%, #f6f4ef 100%);
  line-height: 1.72;
}

a { color: var(--accent); text-decoration-thickness: 0.08em; text-underline-offset: 0.18em; }
a:hover { color: var(--accent-dark); }

.page {
  width: min(980px, calc(100% - 32px));
  margin: 0 auto;
  padding: 44px 0 56px;
}

.hero,
.content-card {
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid var(--line);
  border-radius: 28px;
  box-shadow: 0 24px 60px rgba(45, 33, 15, 0.08);
}

.hero {
  padding: clamp(30px, 6vw, 64px);
  margin-bottom: 24px;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--warm);
  font-family: ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

h1, h2, h3 { line-height: 1.18; }
h1 { max-width: 760px; margin: 0 0 18px; font-size: clamp(2.2rem, 7vw, 5rem); letter-spacing: -0.055em; }
h2 { margin: 44px 0 14px; font-size: clamp(1.45rem, 3vw, 2.1rem); letter-spacing: -0.028em; }
h3 { margin: 28px 0 10px; font-size: 1.1rem; }

p { margin: 0 0 14px; }
ul, ol { margin: 0 0 18px; padding-left: 1.25rem; }
li { margin: 0 0 8px; }

.lede { max-width: 680px; color: var(--muted); font-size: clamp(1.08rem, 2.4vw, 1.35rem); }
.effective-date { color: var(--muted); font-size: 0.95rem; }

.content-card { padding: clamp(24px, 5vw, 48px); }

.grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin: 24px 0 8px;
}

.tile {
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #fffdf8;
}

.tile strong { display: block; margin-bottom: 8px; font-size: 1.03rem; }
.tile p { color: var(--muted); font-size: 0.96rem; }

.contact-box {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin-top: 24px;
}

.contact-box div {
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #fffdf8;
}

.label {
  display: block;
  color: var(--muted);
  font-family: ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 0.84rem;
  font-weight: 700;
  text-transform: uppercase;
}

.policy-note {
  margin: 22px 0;
  padding: 18px 20px;
  border-left: 4px solid var(--accent);
  border-radius: 0 16px 16px 0;
  background: #eef4ff;
}

table { width: 100%; border-collapse: collapse; margin: 16px 0 24px; }
th, td { padding: 12px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { color: var(--muted); font-family: ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; font-size: 0.86rem; text-transform: uppercase; }

.site-nav, .site-footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 22px;
  font-family: ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

.site-nav { margin-top: 28px; }
.site-footer { margin-top: 36px; color: var(--muted); font-size: 0.94rem; }
.site-footer nav { margin-bottom: 12px; }

@media (max-width: 760px) {
  .page { width: min(100% - 20px, 980px); padding: 20px 0 36px; }
  .hero, .content-card { border-radius: 20px; }
  .grid, .contact-box { grid-template-columns: 1fr; }
  table { display: block; overflow-x: auto; white-space: nowrap; }
}