:root{
  --navy:#0f2f4a; --navy2:#13395a; --navy-soft:#eef4f9;
  --green:#2e9e5b; --green2:#34b36b; --green-soft:#e7f6ee;
  --ink:#1d2b39; --muted:#5f7183; --line:#e3e9f0;
  --bg:#f4f8fb; --card:#ffffff; --white:#fff;
  --shadow:0 18px 50px rgba(15,47,74,.12);
  --shadow-sm:0 6px 20px rgba(15,47,74,.08);
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--green);text-decoration:none}
a:hover{text-decoration:underline}
.hdr{position:sticky;top:0;z-index:40;background:#fff;border-bottom:1px solid var(--line)}
.hdr-in{max-width:1080px;margin:0 auto;padding:12px 20px;display:flex;align-items:center;justify-content:space-between}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:19px;color:var(--navy);letter-spacing:-.3px}
.brand .mark{width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;display:grid;place-items:center;font-size:13px;font-weight:800;letter-spacing:.5px;box-shadow:var(--shadow-sm)}
.brand b{color:var(--green);font-weight:800}
.hdr-phone{display:flex;align-items:center;gap:8px;font-weight:700;color:var(--navy);font-size:15px}
.hdr-phone svg{width:18px;height:18px;fill:var(--green)}
.hdr-phone small{display:block;font-size:11px;color:var(--muted);font-weight:600;letter-spacing:.3px}
.doc{max-width:820px;margin:0 auto;padding:30px 22px 60px}
.doc-card{background:var(--card);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:38px 40px}
.doc h1{color:var(--navy);font-size:30px;letter-spacing:-.5px;margin:0 0 6px}
.doc .eff{color:var(--muted);font-size:13.5px;margin:0 0 26px;font-weight:600}
.doc h2{color:var(--navy);font-size:19px;margin:30px 0 8px;letter-spacing:-.2px}
.doc h3{color:var(--navy);font-size:15.5px;margin:20px 0 6px}
.doc p,.doc li{color:var(--ink);font-size:15px}
.doc ul{padding-left:20px;margin:8px 0}
.doc li{margin:5px 0}
.doc .lead{color:var(--muted);font-size:15.5px}
.doc .box{background:var(--navy-soft);border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin:16px 0;font-size:14px}
.doc a.back{display:inline-block;margin-top:8px;font-weight:700}
.doc table{width:100%;border-collapse:collapse;margin:10px 0;font-size:14px}
.doc th,.doc td{border:1px solid var(--line);padding:9px 11px;text-align:left;vertical-align:top}
.doc th{background:var(--navy-soft);color:var(--navy);font-weight:700}
footer{background:var(--navy);color:#cdd9e5;padding:30px 20px;text-align:center;font-size:12.5px}
footer .fbrand{display:inline-flex;align-items:center;gap:8px;font-weight:800;color:#fff;font-size:16px;margin-bottom:8px}
footer .fbrand .mark{width:30px;height:30px;border-radius:8px;background:linear-gradient(135deg,var(--green),var(--green2));display:grid;place-items:center;font-size:11px;color:#fff}
footer .foot-links{margin:10px 0;display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
footer .foot-links a{color:#9fd3b4;font-weight:600}
footer p{margin:6px auto;max-width:760px;line-height:1.5}
@media(max-width:600px){.doc-card{padding:26px 20px}.doc h1{font-size:25px}}