*,:before,:after{box-sizing:border-box;margin:0;padding:0}:root{--primary:#15445e;--primary-dark:#0f3548;--accent:#2eb8c8;--surface:#f5f7fa;--card:#fff;--on-surface:#1b1f24;--on-surface-variant:#5c6570;--border:#e5e4e7}body{color:var(--on-surface);background:var(--surface);-webkit-font-smoothing:antialiased;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;line-height:1.7}.page{max-width:720px;margin:0 auto;padding:48px 24px 80px}header{text-align:center;margin-bottom:48px}.logo{border-radius:16px;width:80px;height:80px;margin-bottom:16px}header h1{color:var(--primary);margin-bottom:8px;font-size:28px;font-weight:600}header p{color:var(--on-surface-variant);font-size:14px}.effective-date{text-align:center;color:var(--on-surface-variant);margin-bottom:40px;font-size:14px}section{margin-bottom:32px}h2{color:var(--primary-dark);border-bottom:2px solid var(--accent);margin-bottom:12px;padding-bottom:8px;font-size:20px;font-weight:600;display:inline-block}p{color:var(--on-surface);margin-bottom:12px;font-size:15px}ul{margin:8px 0 16px 20px;font-size:15px}li{margin-bottom:6px}.highlight{background:var(--card);border-left:4px solid var(--accent);border-radius:0 8px 8px 0;margin:16px 0;padding:16px 20px}.highlight p{margin-bottom:0;font-weight:500}footer{text-align:center;border-top:1px solid var(--border);color:var(--on-surface-variant);margin-top:48px;padding-top:24px;font-size:13px}@media (width<=640px){.page{padding:32px 16px 64px}header h1{font-size:22px}h2{font-size:18px}}