p, ul, ol { margin-top: 0; }
    ul, ol { padding-left: 22px; }
    li + li { margin-top: 7px; }

    .hero {
      background:
        radial-gradient(circle at 82% 12%, rgba(27,58,107,0.24), transparent 30%),
        linear-gradient(135deg, #0E1F3A 0%, #163056 62%, #1B3A6B 100%);
      color: var(--white);
      padding: 68px 0 48px;
    }

    .eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      color: #F4F7FB;
      font-size: 13px;
      font-weight: 800;
      text-transform: uppercase;
      letter-spacing: 0;
      margin-bottom: 14px;
    }

    .eyebrow::before {
      content: "";
      width: 30px;
      height: 2px;
      background: var(--gold);
    }

    h1, h2, h3 { margin-top: 0; }

    h1 {
      max-width: 780px;
      font-family: "Playfair Display", Georgia, serif;
      font-size: 54px;
      line-height: 1.06;
      letter-spacing: 0;
      margin-bottom: 16px;
    }

    .hero-copy {
      max-width: 760px;
      color: rgba(255,255,255,0.78);
      font-size: 18px;
      margin-bottom: 0;
    }

    .meta-grid {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 1px;
      overflow: hidden;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      background: var(--line);
      margin-top: -24px;
      box-shadow: var(--shadow);
    }

    .meta-box {
      background: var(--white);
      padding: 20px;
    }

    .meta-box span {
      display: block;
      color: var(--muted);
      font-size: 12px;
      font-weight: 800;
      text-transform: uppercase;
      margin-bottom: 4px;
    }

    .meta-box strong {
      color: var(--navy);
      font-size: 15px;
    }

    .content-wrap {
      display: grid;
      grid-template-columns: 270px minmax(0, 1fr);
      gap: 28px;
      align-items: start;
      padding: 44px 0 72px;
    }

    .toc {
      position: sticky;
      top: 100px;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      background: var(--white);
      padding: 18px;
      box-shadow: 0 12px 32px rgba(14,31,58,0.05);
    }

    .toc h2 {
      color: var(--navy);
      font-size: 14px;
      margin-bottom: 12px;
    }

    .toc a {
      display: block;
      color: #344054;
      font-size: 13px;
      font-weight: 700;
      text-decoration: none;
      padding: 7px 0;
      border-top: 1px solid #F0F2F5;
    }

    .legal {
      border: 1px solid var(--line);
      border-radius: var(--radius);
      background: var(--white);
      padding: 34px;
      box-shadow: 0 12px 32px rgba(14,31,58,0.05);
    }

    .legal section + section {
      margin-top: 18px;
      padding-top: 18px;
      border-top: 1px solid var(--line);
    }

    h2 {
      color: var(--navy);
      font-family: "Playfair Display", Georgia, serif;
      font-size: 30px;
      line-height: 1.2;
      letter-spacing: 0;
      margin-bottom: 14px;
    }

    h3 {
      color: var(--navy);
      font-size: 17px;
      line-height: 1.35;
      margin: 18px 0 7px;
    }

    .legal p, .legal li {
      color: #344054;
      font-size: 15px;
    }

    .legal p:last-child,
    .legal ul:last-child,
    .legal ol:last-child {
      margin-bottom: 0;
    }

    .legal strong { color: var(--navy); }

    .note {
      border-left: 3px solid var(--gold);
      background: rgba(27,58,107,0.1);
      padding: 14px 16px;
      border-radius: 0 var(--radius) var(--radius) 0;
      color: #344054;
      font-size: 15px;
      margin: 18px 0;
    }

    .table-wrap {
      overflow-x: auto;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      margin: 16px 0;
    }

    table {
      width: 100%;
      min-width: 680px;
      border-collapse: collapse;
      background: var(--white);
      font-size: 14px;
    }

    th,
    td {
      padding: 12px 14px;
      border-bottom: 1px solid var(--line);
      text-align: left;
      vertical-align: top;
    }

    th {
      color: var(--navy);
      background: #F4F7FB;
      font-size: 12px;
      text-transform: uppercase;
    }

    tr:last-child td {
      border-bottom: 0;
    }
@media (max-width: 920px) {
      h1 { font-size: 44px; }
      .meta-grid { grid-template-columns: 1fr; }
      .content-wrap { grid-template-columns: 1fr; }
      .toc { position: static; }
    }

    @media (max-width: 560px) {
      .container { width: min(100% - 28px, 1120px); }
      .nav-inner { min-height: 68px; }
      .logo { font-size: 25px; }
      .nav-actions a:not(.btn) { display: none; }
      .hero { padding: 52px 0 40px; }
      h1 { font-size: 38px; }
      h2 { font-size: 26px; }
      .legal { padding: 22px; }
      .content-wrap { padding-bottom: 56px; }
    }