*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
:root {
  --blue-dark:  #1a5fa8;
  --blue-mid:   #2473c5;
  --gray-mid:   #5a7a9a;
  --white:      #ffffff;
  --off-white:  #f4f7fb;
  --text-dark:  #1a2a3a;
  --text-body:  #3d5166;
  --border:     #d0dce8;
  --shadow-sm:  0 2px 8px rgba(26,95,168,0.08);
  --radius:     10px;
  --transition: 0.25s ease;
}
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--text-body);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--blue-mid); text-decoration: none; }
a:hover { text-decoration: underline; }

/* NAV */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.nav__inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.nav__logo img { height: 44px; width: auto; }
.nav__back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--blue-dark);
  border: 1.5px solid var(--border);
  padding: 8px 16px;
  border-radius: var(--radius);
  transition: var(--transition);
}
.nav__back:hover {
  background: var(--off-white);
  text-decoration: none;
}

/* HERO */
.hero {
  background: linear-gradient(135deg, #0d3d74 0%, #1a5fa8 100%);
  padding: 120px 0 56px;
  text-align: center;
}
.hero h1 {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 800;
  color: white;
  margin-bottom: 12px;
}
.hero p {
  font-size: 0.92rem;
  color: rgba(255,255,255,0.65);
}

/* CONTENT */
.content {
  max-width: 780px;
  margin: 0 auto;
  padding: 64px 24px 96px;
}
.content h2 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-top: 40px;
  margin-bottom: 12px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--border);
}
.content h2:first-child { margin-top: 0; }
.content p {
  margin-bottom: 14px;
  font-size: 0.93rem;
  color: var(--text-body);
}
.content ul {
  margin: 0 0 14px 0;
  padding-left: 0;
  list-style: none;
}
.content ul li {
  font-size: 0.93rem;
  color: var(--text-body);
  padding: 4px 0 4px 20px;
  position: relative;
}
.content ul li::before {
  content: '–';
  position: absolute;
  left: 0;
  color: var(--blue-mid);
  font-weight: 600;
}
.content strong { color: var(--text-dark); }
.effective-date {
  display: inline-block;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 10px 18px;
  font-size: 0.83rem;
  color: var(--gray-mid);
  margin-bottom: 40px;
}
.contact-box {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin-top: 16px;
}
.contact-box p { margin-bottom: 6px; }
.contact-box p:last-child { margin-bottom: 0; }

/* FOOTER */
.footer {
  background: #1a2a3a;
  padding: 28px 0;
  text-align: center;
}
.footer p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
}
.footer a {
  color: rgba(255,255,255,0.55);
}
.footer a:hover { color: white; }

@media (max-width: 600px) {
  .content { padding: 48px 18px 72px; }
  .hero { padding: 100px 18px 44px; }
}