:root{--navy:#0B2447;--teal:#14A8A0;--green:#2FB67E;--ink:#1a2430;
--muted:#5b6875;--line:#e2e7ec;--bg:#fff;--tint:#f6f9fb}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);
font-family:Calibri,"Segoe UI",system-ui,-apple-system,Helvetica,Arial,sans-serif;
font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased}
.wrap{max-width:1000px;margin:0 auto;padding:0 24px}
header.hero{background:var(--navy);color:#fff;padding:40px 0 28px}
header.hero h1{margin:0 0 8px;font-size:2.1rem;line-height:1.2;font-weight:600}
header.hero .co{color:var(--teal);font-weight:600;letter-spacing:.06em;
text-transform:uppercase;font-size:.8rem;margin:0 0 14px}
header.hero .meta{color:#c3d0de;font-size:.95rem;margin:0}
.legal-nav{display:flex;flex-wrap:wrap;gap:8px 14px;margin-top:18px}
.legal-nav a{color:#c3d0de;font-size:.88rem;text-decoration:none;border-bottom:1px solid transparent}
.legal-nav a:hover,.legal-nav a.on{color:#fff;border-bottom-color:var(--teal)}
main{padding:36px 0 72px}
h1,h2,h3{color:var(--navy);font-weight:600}
h2{font-size:1.42rem;margin:40px 0 14px;padding-bottom:9px;border-bottom:2px solid var(--teal)}
h3{font-size:1.08rem;margin:28px 0 10px}
p{margin:0 0 13px}
ul,ol{margin:0 0 14px;padding-left:22px} li{margin-bottom:6px}
table{width:100%;border-collapse:collapse;margin:18px 0 26px;font-size:.92rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
thead th{background:var(--navy);color:#fff;font-weight:600}
tbody tr:nth-child(even){background:#fbfcfd}
.cat{background:var(--tint)!important;color:var(--navy);font-weight:600}
.panel{background:var(--tint);border:1px solid var(--line);
border-left:4px solid var(--green);padding:18px 22px;margin:0 0 28px;border-radius:3px}
.panel p:last-child{margin-bottom:0}
.doc p:first-child{font-size:1.05rem}
.doc table td p{margin:0}
.dl{margin:0 0 20px;font-size:.92rem}
a{color:var(--teal)}
footer.legal-foot{background:var(--navy);color:#c3d0de;padding:26px 0;font-size:.88rem}
footer.legal-foot a{color:var(--teal)}
@media(max-width:760px){body{font-size:16px}header.hero h1{font-size:1.6rem}
table{font-size:.85rem}th,td{padding:8px}}
@media print{header.hero{background:#fff;color:var(--navy);padding:0 0 20px}
header.hero .meta,.legal-nav{color:var(--muted)}body{font-size:11pt}
table,p{page-break-inside:avoid}h2,h3{page-break-after:avoid}}