:root {
  --background: #f4f7fb;
  --surface: #ffffff;
  --text: #152033;
  --muted: #5f6b7a;
  --primary: #0d47a1;
  --accent: #00b8a9;
  --border: #dfe6ef;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  background: var(--background);
  color: var(--text);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
}
.container {
  width: min(920px, calc(100% - 32px));
  margin: 40px auto;
  padding: 44px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 24px;
  box-shadow: 0 18px 60px rgba(16, 40, 75, 0.08);
}
.hero {
  display: flex;
  align-items: center;
  gap: 18px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--border);
}
.brand-mark {
  display: grid;
  place-items: center;
  width: 58px;
  height: 58px;
  border-radius: 17px;
  color: white;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  font-size: 28px;
  font-weight: 800;
}
h1 { margin: 0; font-size: clamp(1.8rem, 4vw, 2.8rem); line-height: 1.15; }
h2 { margin-top: 34px; margin-bottom: 10px; font-size: 1.25rem; }
p, li { color: var(--muted); }
ul { padding-left: 22px; }
a { color: var(--primary); font-weight: 650; }
.effective-date { margin: 6px 0 0; }
footer {
  margin-top: 42px;
  padding-top: 22px;
  border-top: 1px solid var(--border);
  text-align: center;
  font-size: 0.92rem;
}
@media (max-width: 640px) {
  .container { width: 100%; margin: 0; padding: 28px 20px; border: 0; border-radius: 0; }
  .hero { align-items: flex-start; }
  .brand-mark { width: 48px; height: 48px; border-radius: 14px; font-size: 23px; }
}