:root{
  --navy:#0f2747;
  --navy-2:#173a65;
  --blue:#2563eb;
  --blue-dark:#1d4ed8;
  --blue-soft:#eff6ff;
  --ink:#10243e;
  --muted:#60738a;
  --surface:#ffffff;
  --surface-soft:#f6f9fd;
  --line:#d9e4f1;
  --line-strong:#bfd0e2;
  --green:#047857;
  --amber:#9a4b0a;
  --red:#b42318;
  --shadow:0 18px 55px rgba(15,39,71,.10);
  --radius:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#f1f5fa;color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.68;-webkit-font-smoothing:antialiased}
a{color:var(--blue-dark);text-decoration:none}
a:hover{text-decoration:underline}
.skip-link{position:fixed;left:16px;top:-80px;z-index:1000;padding:10px 14px;border-radius:9px;background:#fff;color:var(--ink);box-shadow:var(--shadow)}
.skip-link:focus{top:16px}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(18px)}
.nav-shell{max-width:1440px;margin:0 auto;padding:11px 24px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:11px;color:var(--ink);min-width:245px}
.brand:hover{text-decoration:none}
.brand-mark{width:44px;height:44px;border-radius:13px;background:linear-gradient(145deg,#e8f1ff,#fff);border:1px solid var(--line);display:grid;place-items:center;overflow:hidden}
.brand-mark img{width:39px;height:39px;object-fit:contain}
.brand-copy{display:grid;line-height:1.12}
.brand-copy strong{font-size:15px}
.brand-copy small{font-size:11px;color:var(--muted);margin-top:4px}
.primary-nav{display:flex;align-items:center;gap:5px;flex-wrap:wrap;justify-content:flex-end}
.primary-nav a{padding:9px 12px;border-radius:10px;color:#40556e;font-size:13px;font-weight:750}
.primary-nav a:hover,.primary-nav a.active{background:var(--blue-soft);color:var(--blue-dark);text-decoration:none}
.menu-toggle{display:none;border:1px solid var(--line-strong);border-radius:10px;background:#fff;padding:9px 12px;color:var(--ink);font-weight:800}
.hero{background:linear-gradient(135deg,var(--navy),#153b67 62%,#1d4f86);color:#fff;border-bottom:1px solid rgba(255,255,255,.1)}
.hero-shell{max-width:1440px;margin:0 auto;padding:54px 24px;display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:56px;align-items:center}
.hero-document .hero-shell{padding-top:44px;padding-bottom:44px}
.eyebrow{display:block;color:#9ec5ff;text-transform:uppercase;letter-spacing:.14em;font-size:11px;font-weight:900;margin-bottom:12px}
.hero h1{font-size:clamp(34px,4vw,55px);line-height:1.03;letter-spacing:-.045em;margin:0 0 16px;max-width:900px}
.hero p{font-size:17px;color:#d9e7f8;max-width:850px;margin:0}
.hero-actions{display:flex;gap:10px;margin-top:24px;flex-wrap:wrap}
.button{appearance:none;display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:10px 16px;border-radius:10px;font:inherit;font-weight:800;cursor:pointer}
.button-primary{border:1px solid #fff;background:#fff;color:var(--navy)}
.button-secondary{border:1px solid rgba(255,255,255,.3);background:rgba(255,255,255,.08);color:#fff}
.hero-panel{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.17);border-radius:20px;padding:20px;box-shadow:0 20px 55px rgba(0,0,0,.16)}
.hero-panel img{width:160px;height:78px;object-fit:contain;display:block;margin-bottom:14px;filter:drop-shadow(0 8px 16px rgba(0,0,0,.12))}
.hero-panel dl{margin:0;display:grid;gap:7px}
.hero-panel dl div{display:flex;justify-content:space-between;gap:20px;border-top:1px solid rgba(255,255,255,.12);padding-top:7px}
.hero-panel dt{color:#bcd1e9;font-size:12px}.hero-panel dd{margin:0;font-size:12px;font-weight:800;text-align:right}
.page-shell{max-width:1440px;margin:0 auto;padding:30px 24px 60px}
.document-layout{display:grid;grid-template-columns:330px minmax(0,1fr);gap:26px;align-items:start}
.document-sidebar{position:sticky;top:82px;max-height:calc(100vh - 104px);overflow:auto}
.sidebar-inner{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.document-search-label{display:block;font-size:12px;font-weight:850;color:#40556e;margin:0 0 7px}
.document-search{width:100%;height:42px;border:1px solid var(--line-strong);border-radius:10px;padding:0 12px;font:inherit;color:var(--ink);background:#fff}
.document-nav{margin-top:17px;display:grid;gap:18px}
.document-group h2{font-size:11px;letter-spacing:.11em;text-transform:uppercase;color:#7c8da1;margin:0 0 7px;padding:0 4px;border:0}
.document-group a{display:block;padding:10px;border-radius:11px;color:#40556e}
.document-group a:hover,.document-group a.active{background:var(--blue-soft);text-decoration:none;color:var(--blue-dark)}
.document-group a strong{display:block;font-size:13px}.document-group a span{display:block;font-size:11px;color:#718398;line-height:1.45;margin-top:3px}
.legal-document{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);padding:42px 48px;min-width:0}
.document-status{border:1px solid var(--line);border-radius:15px;padding:16px 18px;background:var(--surface-soft);display:grid;gap:13px;margin-bottom:18px}
.document-status>div{display:flex;align-items:center;gap:8px}.status-dot{width:9px;height:9px;border-radius:50%;background:#22c55e;box-shadow:0 0 0 4px #dcfce7}
.document-status dl{display:grid;grid-template-columns:130px 100px minmax(0,1fr);gap:18px;margin:0}
.document-status dl div{min-width:0}.document-status dt{font-size:10px;text-transform:uppercase;letter-spacing:.08em;color:#788a9d;font-weight:850}.document-status dd{margin:3px 0 0;font-size:13px;color:#304a65;font-weight:750}
.commercial-notice,.alert{padding:15px 17px;border-radius:13px;margin:0 0 22px;font-size:13px}
.commercial-notice{background:#fff9ed;border:1px solid #f6d393;color:#714316}
.alert-danger{background:#fff1f2;border:1px solid #fecdd3;color:var(--red)}
.document-tools{border-bottom:1px solid var(--line);padding-bottom:20px;margin-bottom:30px}
.document-tools summary{cursor:pointer;font-weight:850;color:#36516d}
.table-of-contents{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:5px 18px;margin-top:12px}
.table-of-contents a{font-size:12px;color:#526b84}.table-of-contents .toc-sub{padding-left:14px}
.document-body h1{font-size:40px;line-height:1.08;letter-spacing:-.04em;margin:0 0 14px;color:var(--ink)}
.document-body .lead{font-size:18px;color:#4b647d;margin:0 0 28px}
.document-body h2,.document-end h2{scroll-margin-top:90px;font-size:24px;line-height:1.25;letter-spacing:-.025em;margin:38px 0 13px;padding-top:24px;border-top:1px solid #e8eef5;color:#102b49}
.document-body h3{scroll-margin-top:90px;font-size:18px;margin:26px 0 8px;color:#183b60}
.document-body p,.document-body li,.document-end p{color:#344c64}
.document-body ul,.document-body ol{padding-left:23px}
.document-body li{margin:7px 0}
.document-body strong{color:#18344f}
.document-body table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:13px;overflow:hidden;margin:20px 0 28px;font-size:13px}
.document-body th,.document-body td{text-align:left;vertical-align:top;padding:12px 13px;border-bottom:1px solid var(--line);border-right:1px solid var(--line)}
.document-body th:last-child,.document-body td:last-child{border-right:0}.document-body tr:last-child td{border-bottom:0}.document-body th{background:#eef5fd;color:#24496e;font-size:11px;text-transform:uppercase;letter-spacing:.055em}.document-body tr:nth-child(even) td{background:#fafcff}
.definition-list{display:grid;gap:9px}.definition-list p{margin:0;padding:12px 14px;border-left:3px solid #93c5fd;background:#f8fbff;border-radius:0 10px 10px 0}
.callout{padding:17px 19px;border-radius:14px;background:#eef6ff;border:1px solid #c5dcfa;color:#214f7e;margin:20px 0}
.danger-callout{background:#fff3f3;border-color:#ffc9c9;color:#842525}
.fee-highlight{font-size:18px;color:#164f97;font-weight:900}
.document-end{margin-top:42px;padding-top:4px}
.site-footer{background:#fff;border-top:1px solid var(--line)}
.footer-shell{max-width:1440px;margin:0 auto;padding:28px 24px;display:flex;justify-content:space-between;gap:30px;color:#5d7288;font-size:12px}.footer-shell p{margin:5px 0}.footer-links{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.home-intro{display:grid;grid-template-columns:minmax(0,1fr) 420px;gap:24px;margin-bottom:26px}.home-card,.document-card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow)}.home-card{padding:28px}.home-card h2{margin:0 0 10px}.home-card p{color:var(--muted)}
.document-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.document-card{padding:20px;display:flex;flex-direction:column}.document-card .category{font-size:10px;text-transform:uppercase;letter-spacing:.1em;font-weight:900;color:var(--blue)}.document-card h2{font-size:18px;margin:8px 0}.document-card p{font-size:13px;color:var(--muted);margin:0 0 16px}.document-card a{margin-top:auto;font-weight:850}
@media(max-width:1100px){.hero-shell{grid-template-columns:1fr}.hero-panel{max-width:650px}.document-layout{grid-template-columns:1fr}.document-sidebar{position:relative;top:auto;max-height:none}.document-nav{grid-template-columns:repeat(2,minmax(0,1fr))}.home-intro{grid-template-columns:1fr}.document-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){.nav-shell{padding:9px 14px}.menu-toggle{display:block}.primary-nav{display:none;position:absolute;left:12px;right:12px;top:66px;padding:12px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);align-items:stretch}.primary-nav.open{display:grid}.primary-nav a{display:block}.hero-shell{padding:36px 18px}.hero-panel{display:none}.page-shell{padding:18px 12px 45px}.legal-document{padding:24px 18px}.document-status dl{grid-template-columns:1fr}.table-of-contents{grid-template-columns:1fr}.document-nav{grid-template-columns:1fr}.document-grid{grid-template-columns:1fr}.document-body h1{font-size:32px}.document-body table{display:block;overflow-x:auto}.footer-shell{display:grid}.brand-copy small{display:none}}
@media print{.site-header,.hero-actions,.document-sidebar,.document-tools,.site-footer,.commercial-notice{display:none!important}.hero{background:#fff;color:#000;border:0}.hero-shell{display:block;padding:0}.hero p,.eyebrow{color:#333}.hero-panel{display:none}.page-shell{display:block;max-width:none;padding:0}.legal-document{box-shadow:none;border:0;padding:0}.document-status{break-inside:avoid}.document-body h2,.document-body h3{break-after:avoid}.document-body table{break-inside:avoid}}