*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    :root {
      --navy:      #0D1F35;
      --navy-mid:  #162C47;
      --gold:      #C8922A;
      --gold-light:#E5AA40;
      --white:     #FFFFFF;
      --off-white: #F7F8FA;
      --slate:     #8A9BB0;
      --slate-dark:#4A5E73;
      --border:    #D8E2EE;
      --text:      #1A2B3C;
    }
    html { scroll-behavior: smooth; }
    body {
      font-family: 'DM Sans', sans-serif;
      color: var(--text);
      background: var(--white);
      line-height: 1.6;
      -webkit-font-smoothing: antialiased;
    }
    h1, h2, h3 { font-family: 'Syne', sans-serif; font-weight: 700; line-height: 1.2; }

    /* Nav */
    nav {
      background: var(--navy);
      padding: 0 2rem;
      height: 68px;
      position: fixed; top: 0; left: 0; right: 0; z-index: 100;
      display: flex; align-items: center; justify-content: space-between;
      border-bottom: 1px solid rgba(255,255,255,0.07);
    }
    .nav-brand {
      display: flex; align-items: center; gap: 0.6rem;
      text-decoration: none;
      font-family: 'Syne', sans-serif;
      font-weight: 700; font-size: 0.95rem;
      color: var(--white);
    }
    .nav-brand img {
      width: 36px; height: 36px;
      object-fit: cover; border-radius: 4px; flex-shrink: 0;
    }
    .nav-brand span { color: var(--gold-light); }
    .nav-links { display: flex; gap: 0.25rem; list-style: none; align-items: center; }
    .nav-links a {
      color: rgba(255,255,255,0.75);
      text-decoration: none; font-size: 0.9rem; font-weight: 400;
      padding: 0.5rem 0.85rem; border-radius: 6px;
      transition: color 0.2s, background 0.2s;
    }
    .nav-links a:hover { color: var(--white); background: rgba(255,255,255,0.07); }
    .nav-links .nav-cta a {
      background: var(--gold); color: var(--navy);
      font-weight: 600; padding: 0.5rem 1.1rem;
    }
    .nav-links .nav-cta a:hover { background: var(--gold-light); }

    /* Page header */
    .page-header {
      background: var(--navy);
      padding: 110px 2rem 3rem;
      border-bottom: 1px solid rgba(255,255,255,0.07);
    }
    .page-header-inner { max-width: 800px; margin: 0 auto; }
    .page-label {
      font-size: 0.75rem; font-weight: 600;
      letter-spacing: 0.12em; text-transform: uppercase;
      color: var(--gold); margin-bottom: 0.75rem;
    }
    .page-header h1 { font-size: 2.25rem; color: var(--white); margin-bottom: 0.5rem; }
    .page-header .last-updated { font-size: 0.85rem; color: var(--slate); font-weight: 300; }

    /* Content */
    main {
      max-width: 800px; margin: 0 auto;
      padding: 3.5rem 2rem 5rem;
    }
    h2 {
      font-size: 1.15rem; font-weight: 700;
      color: var(--navy);
      margin-top: 2.5rem; margin-bottom: 0.75rem;
      padding-bottom: 0.5rem;
      border-bottom: 2px solid var(--gold);
      display: inline-block;
    }
    p {
      margin-bottom: 1rem; color: var(--slate-dark);
      line-height: 1.8; font-weight: 300; font-size: 0.975rem;
    }
    ul {
      margin-bottom: 1rem; padding-left: 1.5rem;
    }
    ul li {
      margin-bottom: 0.4rem; color: var(--slate-dark);
      line-height: 1.7; font-weight: 300; font-size: 0.975rem;
    }
    a { color: var(--gold); text-decoration: none; }
    a:hover { text-decoration: underline; }

    /* Footer */
    footer {
      background: var(--navy);
      border-top: 1px solid rgba(255,255,255,0.07);
      padding: 2.5rem 2rem;
    }
    .footer-inner {
      max-width: 1100px; margin: 0 auto;
      display: flex; align-items: center; justify-content: space-between;
      flex-wrap: wrap; gap: 1rem;
    }
    .footer-copy { font-size: 0.82rem; color: rgba(255,255,255,0.4); }
    .footer-links { display: flex; gap: 1.5rem; }
    .footer-links a {
      font-size: 0.82rem; color: rgba(255,255,255,0.4);
      text-decoration: none; transition: color 0.2s;
    }
    .footer-links a:hover { color: var(--gold-light); }

    @media (max-width: 600px) {
      nav { padding: 0 1.25rem; }
      .page-header { padding: 95px 1.25rem 2.5rem; }
      .page-header h1 { font-size: 1.6rem; }
      main { padding: 2.5rem 1.25rem 4rem; }
      .footer-inner { flex-direction: column; text-align: center; }
      .footer-links { justify-content: center; }
      .nav-links { display: none; }
    }