@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@300;400&family=DM+Sans:wght@300;400;500&display=swap');

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

:root {
    --header-bg-start: #1a2530;
    --header-bg-end: #2c3e4a;
    --accent: #7eb8c9;
    --text-primary: #1a1a1a;
    --text-secondary: #444;
    --text-muted: #888;
    --border: #e0e0e0;
    --bg: #ffffff;
    --content-max: 860px;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'DM Sans', sans-serif;
    font-weight: 300;
    color: var(--text-primary);
    background: var(--bg);
    line-height: 1.8;
    font-size: 15px;
}

/* ── NAVBAR ── */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 100;
    padding: 14px 32px;
    display: flex;
    align-items: center;
    gap: 10px;
    background: rgba(20, 32, 42, 0.72);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.logo-mark {
    width: 35px;
    height: 42px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.logo-mark svg {
    width: 18px;
    height: 18px;
    fill: white;
}

.logo-text {
    font-family: 'DM Sans', sans-serif;
    font-weight: 500;
    font-size: 13px;
    color: rgba(255, 255, 255, 0.88);
    letter-spacing: 0.04em;
    text-transform: uppercase;
    margin-left: 20px;
}

/* ── HERO HEADER ── */
.hero {
    position: relative;
    min-height: 340px;
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
    background: linear-gradient(160deg, #1a2530 0%, #2d3e4c 45%, #1e3040 100%);
}

.hero-shapes {
    position: absolute;
    inset: 0;
    pointer-events: none;
}

.hero-shapes .shape {
    position: absolute;
    background: rgba(255, 255, 255, 0.04);
}

.shape-1 {
    width: 480px;
    height: 480px;
    top: -140px;
    right: -80px;
    transform: rotate(20deg) skewX(-8deg);
    clip-path: polygon(20% 0%, 100% 0%, 100% 80%, 0% 100%);
}

.shape-2 {
    width: 360px;
    height: 360px;
    bottom: -100px;
    left: 10%;
    transform: rotate(-15deg);
    clip-path: polygon(0% 20%, 100% 0%, 80% 100%, 0% 80%);
    background: rgba(255, 255, 255, 0.03);
}

.shape-3 {
    width: 200px;
    height: 200px;
    top: 20px;
    left: 30%;
    transform: rotate(35deg);
    clip-path: polygon(50% 0%, 100% 50%, 50% 100%, 0% 50%);
    background: rgba(126, 184, 201, 0.07);
}

.hero-content {
    position: relative;
    text-align: center;
    padding: 100px 24px 60px;
}

.hero-content h1 {
    font-family: 'Cormorant Garamond', serif;
    font-weight: 300;
    font-size: clamp(2.8rem, 7vw, 5.5rem);
    color: #ffffff;
    letter-spacing: -0.01em;
    line-height: 1.1;
}

/* ── MAIN CONTENT ── */
.page-body {
    max-width: 1000px;
    margin: 0 auto;
    padding: 52px 24px 80px;
}

.effective-date {
    font-weight: 500;
    font-size: 14px;
    color: var(--text-primary);
    margin-bottom: 36px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--border);
}

.intro-block {
    margin-bottom: 48px;
}

.intro-block p {
    color: var(--text-secondary);
    margin-bottom: 16px;
    font-size: 15px;
}

/* ── SECTIONS ── */
.section {
    margin-bottom: 44px;
}

.section-title {
    font-family: 'DM Sans', sans-serif;
    font-weight: 500;
    font-size: 16px;
    color: var(--text-primary);
    margin-bottom: 14px;
    padding-bottom: 8px;
    border-bottom: 1.5px solid var(--border);
    letter-spacing: 0.01em;
}

.section p {
    color: var(--text-secondary);
    margin-bottom: 14px;
    font-size: 15px;
}

.section p:last-child {
    margin-bottom: 0;
}

/* ── BULLET LIST ── */
.info-list {
    list-style: none;
    margin: 14px 0 18px 0;
    padding: 0;
}

.info-list li {
    position: relative;
    padding-left: 20px;
    color: var(--text-secondary);
    font-size: 15px;
    margin-bottom: 8px;
    line-height: 1.7;
}

.info-list li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 10px;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--accent);
}

/* ── THIRD PARTY LINKS ── */
.third-party-links {
    list-style: none;
    padding: 0;
    margin: 14px 0 18px 0;
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.third-party-links li a {
    display: inline-block;
    padding: 5px 14px;
    font-size: 13px;
    color: #1a5f7a;
    background: #edf6fa;
    border: 1px solid #bde0ed;
    border-radius: 20px;
    text-decoration: none;
    transition: background 0.18s, color 0.18s;
}

.third-party-links li a:hover {
    background: var(--accent);
    color: white;
    border-color: var(--accent);
}

/* ── DISCLOSURE LIST ── */
.disclosure-list {
    list-style: none;
    padding: 0;
    margin: 14px 0;
}

.disclosure-list li {
    position: relative;
    padding: 12px 14px 12px 38px;
    color: var(--text-secondary);
    font-size: 14.5px;
    border-left: 2px solid #d9ecf2;
    margin-bottom: 8px;
    line-height: 1.65;
    background: #f9fdfe;
}

.disclosure-list li::before {
    content: '–';
    position: absolute;
    left: 14px;
    color: var(--accent);
    font-weight: 500;
}

/* ── CONTACT BLOCK ── */
.contact-block {
    background: linear-gradient(135deg, #1a2530 0%, #2c3e4a 100%);
    border-radius: 12px;
    padding: 32px 36px;
    margin-top: 52px;
    color: rgba(255, 255, 255, 0.85);
}

.contact-block .section-title {
    color: white;
    border-bottom-color: rgba(255, 255, 255, 0.15);
}

.contact-block p {
    color: rgba(255, 255, 255, 0.7);
    font-size: 14.5px;
}

.contact-block a {
    color: var(--accent);
    text-decoration: none;
    font-weight: 500;
}

.contact-block a:hover {
    text-decoration: underline;
}

/* ── FOOTER ── */
footer {
    text-align: center;
    padding: 28px 24px;
    font-size: 12.5px;
    color: var(--text-muted);
    border-top: 1px solid var(--border);
}

/* ── RESPONSIVE ── */
@media (max-width: 768px) {
    .navbar {
        padding: 12px 20px;
    }

    .hero-content {
        padding: 90px 20px 48px;
    }

    .page-body {
        padding: 36px 20px 60px;
    }

    .contact-block {
        padding: 24px 20px;
    }

    .shape-1 {
        width: 280px;
        height: 280px;
    }

    .shape-2 {
        width: 220px;
        height: 220px;
    }
}

@media (max-width: 480px) {
    .hero-content h1 {
        font-size: 2.4rem;
    }

    .third-party-links li a {
        font-size: 12px;
        padding: 4px 11px;
    }

    .section-title {
        font-size: 15px;
    }
}