:root {
  --navy: #082A59;
  --navy-2: #0D376F;
  --blue: #2F6FEA;
  --blue-strong: #245FD0;
  --mint: #49D8BA;
  --mint-deep: #168F78;
  --surface: #FFFFFF;
  --ice: #F5F9FF;
  --ice-2: #EDF5FF;
  --slate: #5B6F91;
  --text: #173357;
  --muted: #6D7F9D;
  --border: #D6E2EF;
  --border-strong: #BDD0E4;
  --focus: #0B63E5;
  --shadow-sm: 0 8px 24px rgba(8, 42, 89, 0.07);
  --shadow-md: 0 18px 48px rgba(8, 42, 89, 0.10);
  --radius-sm: 12px;
  --radius-md: 18px;
  --radius-lg: 24px;
  --shell: 1220px;
  --content: 790px;
  --font: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 24px; }
body {
  margin: 0;
  min-width: 280px;
  color: var(--text);
  background: var(--ice);
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.68;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}

img, svg, object { display: block; max-width: 100%; }
a { color: inherit; }
p, ul, ol { margin-top: 0; }
button, summary, a { -webkit-tap-highlight-color: transparent; }

.svg-sprite {
  position: absolute;
  width: 0;
  height: 0;
  overflow: hidden;
}

.skip-link {
  position: fixed;
  z-index: 1000;
  top: 12px;
  left: 12px;
  min-height: 48px;
  padding: 12px 18px;
  border-radius: 10px;
  background: var(--navy);
  color: white;
  font-weight: 700;
  text-decoration: none;
  transform: translateY(-140%);
  transition: transform 160ms ease;
}
.skip-link:focus { transform: translateY(0); }

:focus-visible {
  outline: 3px solid rgba(47, 111, 234, 0.45);
  outline-offset: 3px;
  border-radius: 8px;
}

.shell {
  width: min(calc(100% - 40px), var(--shell));
  margin-inline: auto;
}

.site-header {
  position: relative;
  z-index: 20;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid rgba(214, 226, 239, 0.92);
}

.header-row {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  min-height: 48px;
  gap: 4px;
  text-decoration: none;
}

.brand-mark {
  width: 38px;
  height: 38px;
  overflow: hidden;
  object-fit: contain;
}
.brand-wordmark {
  width: 116px;
  height: 42px;
  overflow: hidden;
  object-fit: contain;
}
.brand-mark-fallback {
  width: 38px;
  height: 38px;
  display: grid;
  place-items: center;
  border-radius: 11px;
  background: var(--navy);
  color: white;
  font-size: 19px;
  font-weight: 850;
  letter-spacing: -0.04em;
}
.brand-wordmark-fallback {
  color: var(--navy);
  font-size: 25px;
  font-weight: 820;
  letter-spacing: -0.035em;
  line-height: 32px;
}

.page-chip {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 36px;
  padding: 6px 13px;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: var(--ice);
  color: var(--navy);
  font-size: 13px;
  font-weight: 750;
  letter-spacing: 0.01em;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: clamp(58px, 8vw, 94px) 0 clamp(62px, 8vw, 96px);
  background:
    linear-gradient(90deg, rgba(47,111,234,.07) 1px, transparent 1px) 0 0 / 52px 52px,
    linear-gradient(rgba(47,111,234,.07) 1px, transparent 1px) 0 0 / 52px 52px,
    linear-gradient(180deg, #FFFFFF 0%, #F5F9FF 100%);
  border-bottom: 1px solid var(--border);
}
.hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--blue) 35%, var(--mint) 62%, transparent);
  opacity: .65;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.18fr) minmax(340px, .82fr);
  gap: clamp(48px, 7vw, 88px);
  align-items: center;
}
.eyebrow {
  margin-bottom: 16px;
  color: var(--blue-strong);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
}
h1 {
  max-width: 760px;
  margin: 0;
  color: var(--navy);
  font-size: clamp(42px, 5.4vw, 72px);
  line-height: 1.02;
  letter-spacing: -0.052em;
  font-weight: 820;
}
.hero-intro {
  max-width: 690px;
  margin: 24px 0 0;
  color: var(--slate);
  font-size: clamp(17px, 1.7vw, 20px);
  line-height: 1.65;
}
.effective-date {
  margin-top: 28px;
  display: inline-flex;
  align-items: center;
  min-height: 42px;
  gap: 10px;
  padding: 7px 13px;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: rgba(255,255,255,.84);
  color: var(--slate);
  font-size: 14px;
}
.effective-date strong { color: var(--navy); }
.date-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--mint-deep);
  box-shadow: 0 0 0 5px rgba(73, 216, 186, .16);
}

.hero-panel {
  padding: 26px;
  border: 1px solid rgba(189, 208, 228, .9);
  border-radius: var(--radius-lg);
  background: rgba(255,255,255,.94);
  box-shadow: var(--shadow-md);
}
.panel-kicker {
  margin-bottom: 18px;
  color: var(--navy);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
}
.principle-list { display: grid; gap: 8px; }
.principle-item {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 14px;
  align-items: start;
  padding: 15px 0;
  border-top: 1px solid var(--border);
}
.principle-item:first-child { border-top: 0; padding-top: 0; }
.principle-item:last-child { padding-bottom: 0; }
.principle-icon {
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  border-radius: 13px;
  background: var(--ice-2);
  color: var(--blue);
}
.principle-icon svg { width: 23px; height: 23px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.principle-item strong { display: block; color: var(--navy); font-size: 15px; line-height: 1.35; }
.principle-item span { display: block; margin-top: 5px; color: var(--slate); font-size: 13px; line-height: 1.52; }

.mobile-nav-wrap { display: none; }

.policy-layout {
  display: grid;
  grid-template-columns: 252px minmax(0, var(--content));
  justify-content: center;
  gap: clamp(48px, 7vw, 88px);
  align-items: start;
  padding-top: 64px;
  padding-bottom: 72px;
}
.desktop-toc { position: sticky; top: 24px; }
.toc-card {
  padding: 18px 12px 18px 0;
  border-right: 1px solid var(--border);
}
.toc-title {
  margin: 0 0 14px 14px;
  color: var(--navy);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
}
.toc-card ol { list-style: none; margin: 0; padding: 0; }
.toc-card a {
  min-height: 44px;
  display: grid;
  grid-template-columns: 28px 1fr;
  align-items: center;
  gap: 5px;
  padding: 8px 12px 8px 14px;
  border-radius: 10px 0 0 10px;
  color: var(--slate);
  font-size: 13px;
  font-weight: 650;
  line-height: 1.32;
  text-decoration: none;
  transition: color 160ms ease, background 160ms ease, transform 160ms ease;
}
.toc-card a span { color: #8CA0BC; font-size: 11px; font-variant-numeric: tabular-nums; }
.toc-card a:hover { color: var(--navy); background: rgba(47, 111, 234, .06); }
.toc-card a[aria-current="true"] {
  color: var(--blue-strong);
  background: #EAF2FF;
  box-shadow: inset 3px 0 0 var(--blue);
}
.toc-card a[aria-current="true"] span { color: var(--blue); }

.policy-content { min-width: 0; }
.policy-section {
  scroll-margin-top: 26px;
  padding: 0 0 clamp(58px, 7vw, 78px);
  margin: 0 0 clamp(58px, 7vw, 78px);
  border-bottom: 1px solid var(--border);
}
.policy-section:last-of-type { margin-bottom: 0; }
.section-heading {
  display: grid;
  grid-template-columns: 48px 1fr;
  gap: 16px;
  align-items: center;
  margin-bottom: 24px;
}
.section-icon {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border: 1px solid #CAE0F7;
  border-radius: 15px;
  background: #EDF5FF;
  color: var(--blue);
}
.section-icon svg {
  width: 25px;
  height: 25px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.section-number {
  display: block;
  margin-bottom: 2px;
  color: var(--mint-deep);
  font-size: 12px;
  font-weight: 850;
  letter-spacing: .1em;
}
h2 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(28px, 3vw, 36px);
  line-height: 1.16;
  letter-spacing: -0.032em;
}
h3 {
  margin: 32px 0 8px;
  color: var(--navy);
  font-size: 18px;
  line-height: 1.35;
  letter-spacing: -0.015em;
}
.policy-section p { color: var(--slate); }
.policy-section > p { margin-bottom: 18px; }
.lead {
  color: var(--text) !important;
  font-size: 19px;
  line-height: 1.65;
}

.summary-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin: 28px 0 30px;
}
.summary-item {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 11px;
  padding: 18px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: white;
  box-shadow: var(--shadow-sm);
}
.summary-item > svg {
  width: 24px;
  height: 24px;
  padding: 4px;
  border-radius: 50%;
  background: rgba(73,216,186,.16);
  color: var(--mint-deep);
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.summary-item strong { display: block; color: var(--navy); font-size: 15px; line-height: 1.4; }
.summary-item span { display: block; margin-top: 6px; color: var(--slate); font-size: 13px; line-height: 1.55; }

.callout {
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 15px;
  margin-top: 28px;
  padding: 20px;
  border: 1px solid #C9DCF4;
  border-left: 4px solid var(--blue);
  border-radius: var(--radius-md);
  background: #F0F6FF;
}
.callout-mint { border-color: #BDEBDD; border-left-color: var(--mint-deep); background: #F0FCF8; }
.callout-note { border-left-color: var(--navy); }
.callout-icon {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 13px;
  background: white;
  color: var(--blue);
  box-shadow: 0 5px 15px rgba(8,42,89,.07);
}
.callout-icon svg { width: 22px; height: 22px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.callout strong { display: block; color: var(--navy); line-height: 1.4; }
.callout p { margin: 5px 0 0; font-size: 14px; line-height: 1.6; }

.content-columns { display: grid; grid-template-columns: 1fr 1fr; gap: 34px; }
.content-columns h3:first-child { margin-top: 8px; }
.content-columns p { font-size: 15px; }
.process-flow {
  display: grid;
  grid-template-columns: 1fr 34px 1fr 34px 1fr;
  align-items: stretch;
  gap: 8px;
  margin: 28px 0 32px;
}
.process-flow > div {
  padding: 17px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: white;
}
.process-flow > div > span {
  width: 26px;
  height: 26px;
  display: grid;
  place-items: center;
  margin-bottom: 11px;
  border-radius: 50%;
  background: #EAF2FF;
  color: var(--blue-strong);
  font-size: 12px;
  font-weight: 800;
}
.process-flow strong { display: block; color: var(--navy); }
.process-flow small { display: block; margin-top: 5px; color: var(--slate); font-size: 12px; line-height: 1.5; }
.process-flow > svg { width: 24px; height: 24px; align-self: center; justify-self: center; fill: none; stroke: var(--border-strong); stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }

.boundary-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin: 26px 0;
}
.boundary-card {
  padding: 22px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: white;
}
.boundary-card.included { border-top: 4px solid var(--mint-deep); }
.boundary-card.excluded { border-top: 4px solid var(--navy); }
.boundary-label {
  display: block;
  margin-bottom: 12px;
  color: var(--navy);
  font-size: 14px;
  font-weight: 800;
}
.boundary-card ul { margin: 0; padding-left: 20px; color: var(--slate); font-size: 14px; }
.boundary-card li + li { margin-top: 7px; }

.feature-list { margin: 24px 0; border-top: 1px solid var(--border); }
.feature-list > div {
  display: grid;
  grid-template-columns: 160px 1fr;
  gap: 24px;
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
}
.feature-list strong { color: var(--navy); }
.feature-list p { margin: 0; font-size: 15px; }

.purpose-list { margin: 22px 0 0; padding-left: 22px; color: var(--slate); }
.purpose-list li { padding-left: 7px; }
.purpose-list li + li { margin-top: 8px; }
.purpose-list li::marker { color: var(--blue); font-weight: 800; }

.decision-box {
  display: grid;
  grid-template-columns: 230px 1fr;
  gap: 24px;
  margin-top: 30px;
  padding: 22px;
  border: 1px dashed #D5B55E;
  border-radius: var(--radius-md);
  background: #FFF9EA;
}
.decision-title { display: block; margin-bottom: 5px; color: #8A6500; font-size: 11px; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.decision-box strong { color: var(--navy); }
.decision-box p { margin: 0; color: #6D5A26; font-size: 14px; }

.retention-table-wrap {
  margin-top: 24px;
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: white;
}
.retention-table { width: 100%; border-collapse: collapse; min-width: 580px; }
.retention-table th, .retention-table td { padding: 15px 17px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--border); }
.retention-table tr:last-child td { border-bottom: 0; }
.retention-table th { background: #EDF5FF; color: var(--navy); font-size: 13px; }
.retention-table td { color: var(--slate); font-size: 14px; }
.retention-table td:first-child { width: 35%; color: var(--text); font-weight: 700; }

.provider-list { margin: 24px 0; }
.provider-list > div {
  display: grid;
  grid-template-columns: 145px 205px 1fr;
  gap: 18px;
  align-items: start;
  padding: 19px 0;
  border-bottom: 1px solid var(--border);
}
.provider-list > div:first-child { border-top: 1px solid var(--border); }
.provider-list span { color: var(--mint-deep); font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: .045em; }
.provider-list strong { color: var(--navy); font-size: 14px; line-height: 1.45; }
.provider-list p { margin: 0; font-size: 14px; line-height: 1.55; }

.controls-list { margin: 24px 0; display: grid; gap: 10px; }
.controls-list > div {
  display: grid;
  grid-template-columns: 38px 1fr;
  gap: 14px;
  padding: 18px 0;
  border-bottom: 1px solid var(--border);
}
.control-index {
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  border-radius: 10px;
  background: #EAF2FF;
  color: var(--blue-strong);
  font-size: 12px;
  font-weight: 850;
}
.controls-list strong { color: var(--navy); }
.controls-list p { margin: 4px 0 0; font-size: 15px; }

.contact-section { padding-bottom: 54px; }
.contact-block {
  display: grid;
  gap: 6px;
  margin: 24px 0 18px;
  padding: 22px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: white;
  box-shadow: var(--shadow-sm);
  font-style: normal;
}
.contact-block strong { color: var(--navy); }
.contact-block span { color: var(--slate); }
.contact-block a { color: var(--blue-strong); font-weight: 700; }
.contact-note { font-size: 14px; }

.policy-footer {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 16px 28px;
  align-items: center;
  padding: 4px 0 18px;
  color: var(--slate);
  font-size: 13px;
}
.footer-brand { display: flex; align-items: center; gap: 12px; color: var(--navy); font-weight: 750; }
.footer-wordmark { width: 92px; height: 28px; overflow: hidden; object-fit: contain; }
.policy-footer p { grid-column: 1 / -1; margin: 0; }
.policy-footer > a {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  padding-inline: 12px;
  border-radius: 10px;
  color: var(--blue-strong);
  font-weight: 750;
  text-decoration: none;
}
.policy-footer > a svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.8; transform: rotate(-90deg); }

.mobile-toc {
  position: sticky;
  z-index: 15;
  top: 10px;
  margin-top: 18px;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: rgba(255,255,255,.97);
  box-shadow: var(--shadow-sm);
}
.mobile-toc summary {
  min-height: 52px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 10px 16px;
  color: var(--navy);
  font-weight: 780;
  cursor: pointer;
  list-style: none;
}
.mobile-toc summary::-webkit-details-marker { display: none; }
.mobile-toc summary::after { content: "+"; width: 26px; height: 26px; display: grid; place-items: center; border-radius: 8px; background: #EAF2FF; color: var(--blue); font-size: 19px; line-height: 1; }
.mobile-toc[open] summary::after { content: "−"; }
.summary-hint { margin-left: auto; color: var(--muted); font-size: 12px; font-weight: 650; }
.mobile-toc nav { max-height: min(68vh, 540px); overflow-y: auto; padding: 4px 10px 12px; border-top: 1px solid var(--border); }
.mobile-toc ol { margin: 0; padding: 6px 0; list-style: none; columns: 2; column-gap: 8px; }
.mobile-toc li { break-inside: avoid; }
.mobile-toc a { min-height: 48px; display: flex; align-items: center; padding: 8px 10px; border-radius: 9px; color: var(--slate); font-size: 13px; font-weight: 650; line-height: 1.35; text-decoration: none; }
.mobile-toc a:hover { background: #EDF5FF; color: var(--navy); }

@media (max-width: 1020px) {
  .hero-grid { grid-template-columns: 1fr minmax(310px, .74fr); gap: 42px; }
  .policy-layout { grid-template-columns: 226px minmax(0, 720px); gap: 44px; }
  .provider-list > div { grid-template-columns: 125px 180px 1fr; }
}

@media (max-width: 860px) {
  .shell { width: min(calc(100% - 32px), 760px); }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-copy { max-width: 720px; }
  .hero-panel { max-width: 720px; }
  .desktop-toc { display: none; }
  .mobile-nav-wrap { display: block; }
  .policy-layout { display: block; padding-top: 52px; }
  .policy-content { max-width: 760px; margin-inline: auto; }
  .provider-list > div { grid-template-columns: 145px 1fr; }
  .provider-list p { grid-column: 2; }
}

@media (max-width: 640px) {
  body { line-height: 1.64; }
  .shell { width: min(calc(100% - 24px), 640px); }
  .header-row { min-height: 68px; }
  .brand { gap: 3px; }
  .brand-mark { width: 34px; height: 34px; }
  .brand-wordmark { width: 104px; height: 38px; }
  .page-chip { font-size: 12px; padding-inline: 10px; }
  .hero { padding: 50px 0 58px; }
  h1 { font-size: clamp(38px, 12vw, 54px); }
  .hero-intro { margin-top: 20px; font-size: 17px; }
  .hero-panel { padding: 20px; }
  .effective-date { margin-top: 23px; font-size: 13px; }
  .mobile-toc ol { columns: 1; }
  .policy-layout { padding-top: 42px; padding-bottom: 54px; }
  .policy-section { padding-bottom: 52px; margin-bottom: 52px; }
  .section-heading { grid-template-columns: 44px 1fr; gap: 13px; margin-bottom: 20px; }
  .section-icon { width: 44px; height: 44px; border-radius: 14px; }
  h2 { font-size: 28px; }
  .lead { font-size: 17px; }
  .summary-grid, .content-columns, .boundary-grid { grid-template-columns: 1fr; }
  .content-columns { gap: 0; }
  .process-flow { grid-template-columns: 1fr; }
  .process-flow > svg { transform: rotate(90deg); margin: 0 auto; }
  .feature-list > div { grid-template-columns: 1fr; gap: 5px; }
  .decision-box { grid-template-columns: 1fr; gap: 8px; }
  .provider-list > div { grid-template-columns: 1fr; gap: 5px; }
  .provider-list p { grid-column: auto; }
  .policy-footer { grid-template-columns: 1fr; }
  .policy-footer > a { justify-self: start; padding-left: 0; }
}

@media (max-width: 380px) {
  .page-chip { max-width: 118px; text-align: center; line-height: 1.2; }
  .hero-panel { border-radius: 20px; }
  .principle-item { grid-template-columns: 40px 1fr; }
  .principle-icon { width: 40px; height: 40px; }
  .summary-item, .boundary-card, .contact-block { padding: 16px; }
  .callout { grid-template-columns: 1fr; }
  .callout-icon { width: 38px; height: 38px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}

@media (prefers-contrast: more) {
  :root { --slate: #405675; --border: #AEBFD2; }
}

@media print {
  body { background: white; font-size: 11pt; }
  .site-header, .hero-panel, .desktop-toc, .mobile-nav-wrap, .policy-footer > a, .skip-link { display: none !important; }
  .hero { padding: 22pt 0; border-bottom: 1px solid #aaa; background: none; }
  .hero::after { display: none; }
  .hero-grid, .policy-layout { display: block; }
  .shell { width: 100%; max-width: none; }
  .policy-layout { padding-top: 24pt; }
  .policy-section { break-inside: avoid; padding-bottom: 24pt; margin-bottom: 24pt; }
  .summary-item, .callout, .boundary-card, .contact-block { box-shadow: none; }
}