*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    :root {
      --navy:      #0A1628;
      --navy-mid:  #112240;
      --teal:      #00B4A6;
      --teal-dark: #009B8E;
      --white:     #FFFFFF;
      --text:      #E8EDF5;
      --text-dim:  #8E9DB8;
      --grey-600:  #5A6B85;
      --border:    rgba(255,255,255,0.07);
    }
    html { scroll-behavior: smooth; }
    body {
      font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
      background: var(--navy);
      color: var(--text);
      line-height: 1.7;
      -webkit-font-smoothing: antialiased;
    }

    /* ── NAV ── */
    nav {
      display: flex; align-items: center; justify-content: space-between;
      padding: 0 5%; height: 68px;
      background: rgba(10,22,40,0.95);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid rgba(0,180,166,0.12);
      position: sticky; top: 0; z-index: 100;
    }
    .nav-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; }
    .nav-logo img { height: 34px; width: auto; display: block; }
    .nav-brand {
      font-size: 1.15rem; font-weight: 700; letter-spacing: 0.04em;
      color: var(--white); text-transform: uppercase;
    }
    .nav-brand span { color: var(--teal); }
    .nav-back {
      font-size: 0.875rem; font-weight: 500; color: var(--text-dim);
      text-decoration: none; display: flex; align-items: center; gap: 0.4rem;
      transition: color 0.2s;
    }
    .nav-back:hover { color: var(--teal); }

    /* ── LAYOUT ── */
    .page-wrap {
      max-width: 860px; margin: 0 auto;
      padding: 64px 5% 100px;
    }

    /* ── HEADER ── */
    .page-eyebrow {
      font-size: 0.72rem; font-weight: 700; letter-spacing: 0.18em;
      text-transform: uppercase; color: var(--teal); margin-bottom: 0.75rem;
    }
    h1 {
      font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 900;
      color: var(--white); letter-spacing: -0.02em; line-height: 1.1;
      margin-bottom: 0.75rem;
    }
    .page-meta {
      font-size: 0.825rem; color: var(--text-dim); margin-bottom: 3rem;
    }

    /* ── PLAIN ENGLISH SUMMARY ── */
    .summary-box {
      background: rgba(0,180,166,0.07);
      border: 1px solid rgba(0,180,166,0.18);
      border-radius: 10px; padding: 1.25rem 1.5rem;
      font-size: 0.9rem; color: var(--text-dim);
      margin-bottom: 3rem; line-height: 1.65;
    }
    .summary-box strong { color: var(--teal); }

    /* ── TOC ── */
    .toc {
      background: var(--navy-mid);
      border: 1px solid var(--border);
      border-radius: 12px; padding: 1.75rem 2rem;
      margin-bottom: 3.5rem;
    }
    .toc h2 {
      font-size: 0.72rem; font-weight: 700; text-transform: uppercase;
      letter-spacing: 0.15em; color: var(--text-dim);
      margin-bottom: 1rem; border: none; padding: 0;
    }
    .toc ol {
      list-style: none; counter-reset: toc-counter;
      columns: 2; column-gap: 2rem;
    }
    .toc li {
      counter-increment: toc-counter;
      font-size: 0.875rem; margin-bottom: 0.4rem;
      display: flex; align-items: baseline; gap: 0.5rem;
    }
    .toc li::before {
      content: counter(toc-counter) ".";
      color: var(--teal); font-weight: 700; font-size: 0.75rem;
      flex-shrink: 0; min-width: 1.4em;
    }
    .toc a { color: var(--text-dim); text-decoration: none; transition: color 0.2s; }
    .toc a:hover { color: var(--teal); }

    /* ── SECTIONS ── */
    .policy-section { margin-bottom: 3rem; scroll-margin-top: 90px; }

    h2 {
      font-size: 1.25rem; font-weight: 800; color: var(--white);
      margin-bottom: 1.25rem; padding-bottom: 0.75rem;
      border-bottom: 1px solid var(--border);
      letter-spacing: -0.01em;
    }
    h3 {
      font-size: 1rem; font-weight: 700; color: var(--white);
      margin: 1.5rem 0 0.75rem;
    }
    p { color: var(--text-dim); margin-bottom: 1rem; font-size: 0.925rem; }
    a { color: var(--teal); text-decoration: none; }
    a:hover { text-decoration: underline; }

    ul, ol {
      padding-left: 1.25rem; color: var(--text-dim);
      font-size: 0.925rem; display: flex; flex-direction: column; gap: 0.45rem;
      margin-bottom: 1rem;
    }
    li { line-height: 1.65; }
    li strong { color: var(--white); }

    /* ── TABLE ── */
    .table-wrap { overflow-x: auto; margin-bottom: 1.25rem; }
    table {
      width: 100%; border-collapse: collapse;
      font-size: 0.875rem;
    }
    th {
      text-align: left; padding: 0.75rem 1rem;
      background: var(--navy-mid);
      color: var(--text-dim); font-weight: 600; font-size: 0.75rem;
      text-transform: uppercase; letter-spacing: 0.08em;
      border-bottom: 1px solid rgba(0,180,166,0.2);
    }
    td {
      padding: 0.85rem 1rem; color: var(--text-dim);
      border-bottom: 1px solid var(--border);
      vertical-align: top; line-height: 1.6;
    }
    tr:last-child td { border-bottom: none; }
    tr:hover td { background: rgba(255,255,255,0.02); }

    /* ── FOOTER ── */
    .page-footer {
      margin-top: 4rem; padding-top: 2rem;
      border-top: 1px solid var(--border);
      display: flex; justify-content: space-between; align-items: center;
      flex-wrap: wrap; gap: 1rem;
      font-size: 0.8rem; color: var(--grey-600);
    }
    .footer-back {
      color: var(--teal); text-decoration: none; font-weight: 500;
      font-size: 0.875rem;
    }
    .footer-back:hover { text-decoration: underline; }

    @media (max-width: 640px) {
      .nav-logo img { height: 28px; }
      .toc ol { columns: 1; }
      .page-footer { flex-direction: column; align-items: flex-start; }
    }