*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  :root {
    --ink: #1A1A1A;
    --ink-soft: #3a3d42;
    --ink-muted: #7a7e87;
    --surface: #F8F7F4;
    --white: #ffffff;
    --accent: #E8A435;
    --accent-light: #fdf3e0;
    --accent-dark: #c98a1a;
    --navy: #0F2540;
    --border: #e2e3e6;
    --radius: 12px;
    --radius-lg: 20px;
  }

  html { scroll-behavior: smooth; }

  body {
    width: 100%;
    font-family: 'DM Sans', sans-serif;
    background: var(--surface);
    color: var(--ink);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
  }

  /* ── NAV ── */
.nav-back {
    text-decoration: none;
    color: var(--ink-soft);
    font-size: 14px; font-weight: 500;
    padding: 9px 18px;
    border: 1px solid var(--border);
    border-radius: 8px;
    transition: all 0.2s;
  }
  .nav-back:hover { border-color: var(--accent); color: var(--accent); }
@media (max-width: 760px) {}

  /* ── HEADER BAND ── */
  .header-band {
    background: var(--navy);
    padding: 130px 40px 60px;
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .header-band::before {
    content: "";
    position: absolute; inset: 0;
    background: radial-gradient(circle at 30% 20%, rgba(232,168,56,0.12) 0%, transparent 55%);
  }
  .header-eyebrow {
    position: relative;
    display: inline-block;
    font-size: 12px; font-weight: 600; letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 14px;
  }
  .header-band h1 {
    position: relative;
    font-family: 'DM Serif Display', serif;
    font-size: clamp(36px, 5vw, 52px);
    color: #fff;
    letter-spacing: -0.02em;
    margin-bottom: 10px;
  }
  .header-band p {
    position: relative;
    color: rgba(255,255,255,0.6);
    font-size: 15px;
  }

  /* ── CONTENT ── */
  .wrap {
    max-width: 760px;
    margin: -28px auto 0;
    padding: 0 24px 100px;
    position: relative;
  }
  .card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: clamp(32px, 5vw, 60px);
    box-shadow: 0 20px 50px -28px rgba(27,42,74,0.25);
  }

  .card section { margin-bottom: 38px; }
  .card section:last-child { margin-bottom: 0; }

  .card h2 {
    font-family: 'DM Serif Display', serif;
    font-size: 22px;
    color: var(--navy);
    letter-spacing: -0.01em;
    margin-bottom: 14px;
    display: flex; align-items: baseline; gap: 12px;
  }
  .card h2 .num {
    font-size: 14px;
    color: var(--accent);
    font-family: 'DM Sans', sans-serif;
    font-weight: 600;
    border: 1px solid var(--accent-light);
    background: var(--accent-light);
    border-radius: 6px;
    padding: 2px 9px;
    flex-shrink: 0;
  }

  .card p { color: var(--ink-soft); font-size: 15.5px; margin-bottom: 12px; }
  .card p:last-child { margin-bottom: 0; }

  .card ul { list-style: none; margin: 6px 0 0; }
  .card li {
    color: var(--ink-soft);
    font-size: 15.5px;
    padding: 7px 0 7px 26px;
    position: relative;
  }
  .card li::before {
    content: "";
    position: absolute; left: 4px; top: 15px;
    width: 7px; height: 7px;
    background: var(--accent);
    border-radius: 50%;
  }
  .card li strong { color: var(--ink); font-weight: 600; }

  .card a { color: var(--accent-dark); font-weight: 500; }

  .effective {
    display: inline-block;
    font-size: 13px; font-weight: 500;
    color: var(--ink-muted);
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 999px;
    padding: 6px 16px;
    margin-bottom: 34px;
  }

  .intro {
    font-size: 16.5px;
    color: var(--ink-soft);
    padding-bottom: 34px;
    margin-bottom: 38px;
    border-bottom: 1px solid var(--border);
  }

  /* ── FOOTER ── */
@media (max-width: 600px) {
.header-band { padding: 110px 20px 56px; }
    .card h2 { font-size: 20px; }
  }

  /* ── HAMBURGER + MOBILE MENU ── */
@media (max-width: 760px) {
}
  a:focus-visible, button:focus-visible, summary:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }