*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    :root {
      --ink:    #1a1e2a;
      --mid:    #4a5068;
      --faint:  #8a90a6;
      --rule:   #d8dae4;
      --accent: #1f4b8e;
      --bg:     #fafaf8;
    }
    body {
      font-family: 'DM Sans', sans-serif;
      background: var(--bg);
      color: var(--ink);
      min-height: 100vh;
      display: flex;
      flex-direction: column;
      -webkit-font-smoothing: antialiased;
    }
    header {
      padding: 1.75rem 3rem;
      display: flex;
      align-items: center;
      gap: 1.25rem;
      border-bottom: 1px solid var(--rule);
      position: sticky;
      top: 0;
      background: var(--bg);
      z-index: 100;
    }
    .wordmark {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.45rem;
      font-weight: 600;
      letter-spacing: 0.01em;
      color: var(--ink);
      text-decoration: none;
      white-space: nowrap;
      flex-shrink: 0;
      transition: color 0.15s;
    }
    .wordmark:hover { color: var(--accent); }
    .pipe { color: var(--rule); font-weight: 300; flex-shrink: 0; }
    .tagline-head {
      font-size: 0.73rem;
      font-weight: 400;
      letter-spacing: 0.11em;
      text-transform: uppercase;
      color: var(--faint);
    }
    .header-nav {
      margin-left: auto;
      display: flex;
      gap: 1.75rem;
      align-items: center;
    }
    .header-nav a {
      font-size: 0.73rem;
      font-weight: 500;
      letter-spacing: 0.09em;
      text-transform: uppercase;
      color: var(--mid);
      text-decoration: none;
      transition: color 0.15s;
    }
    .header-nav a:hover { color: var(--accent); }

    main {
      flex: 1;
      padding: 5rem 3rem 4rem;
      max-width: 720px;
    }
    .page-label {
      font-size: 0.68rem;
      font-weight: 500;
      letter-spacing: 0.15em;
      text-transform: uppercase;
      color: var(--faint);
      margin-bottom: 1rem;
    }
    h1 {
      font-family: 'Cormorant Garamond', serif;
      font-size: clamp(2rem, 4vw, 2.8rem);
      font-weight: 600;
      line-height: 1.1;
      color: var(--ink);
      margin-bottom: 0.5rem;
    }
    .effective-date {
      font-size: 0.78rem;
      font-weight: 300;
      color: var(--faint);
      margin-bottom: 3rem;
    }
    .policy-section { margin-bottom: 2.5rem; }
    h2 {
      font-family: 'Cormorant Garamond', serif;
      font-size: 1.25rem;
      font-weight: 600;
      color: var(--ink);
      margin-bottom: 0.85rem;
    }
    p {
      font-size: 0.93rem;
      font-weight: 300;
      line-height: 1.8;
      color: var(--mid);
      margin-bottom: 0.85rem;
    }
    p:last-child { margin-bottom: 0; }
    a { color: var(--accent); text-decoration: none; }
    a:hover { text-decoration: underline; }
    .section-divider {
      border: none;
      border-top: 1px solid var(--rule);
      margin: 0.5rem 0 2.5rem;
    }

    /* KEY DISCLOSURE BOX */
    .disclosure-box {
      background: #eef2f9;
      border-left: 3px solid var(--accent);
      padding: 1.25rem 1.5rem;
      border-radius: 0 2px 2px 0;
      margin: 1.5rem 0;
    }
    .disclosure-box p {
      font-size: 0.88rem;
      color: var(--mid);
      margin-bottom: 0.4rem;
    }
    .disclosure-box p:last-child { margin-bottom: 0; }
    .disclosure-box strong { font-weight: 500; color: var(--ink); }

    .policy-section p strong {
      font-weight: 500;
      color: var(--ink);
    }
    .process-steps {
      display: flex;
      flex-direction: column;
      gap: 0.75rem;
      margin-top: 0.75rem;
    }
    .process-step {
      display: flex;
      gap: 1rem;
      align-items: flex-start;
    }
    .step-num {
      font-size: 0.68rem;
      font-weight: 500;
      color: var(--accent);
      background: rgba(31,75,142,0.08);
      border-radius: 2px;
      padding: 0.2rem 0.55rem;
      flex-shrink: 0;
      margin-top: 0.1rem;
      letter-spacing: 0.05em;
    }
    .step-text {
      font-size: 0.88rem;
      font-weight: 300;
      color: var(--mid);
      line-height: 1.65;
    }

    .contact-block {
      margin-top: 1rem;
      font-size: 0.88rem;
      font-weight: 300;
      color: var(--mid);
      line-height: 1.8;
    }
    .contact-block strong { font-weight: 500; color: var(--ink); }
    footer {
      padding: 1.5rem 3rem;
      border-top: 1px solid var(--rule);
      margin-top: auto;
      display: flex;
      justify-content: space-between;
      align-items: center;
      gap: 1rem;
      flex-wrap: wrap;
    }
    .footer-copy { font-size: 0.7rem; color: var(--faint); font-weight: 300; }
    .footer-links { display: flex; gap: 1.25rem; flex-wrap: wrap; }
    .footer-links a { font-size: 0.7rem; color: var(--faint); text-decoration: none; font-weight: 300; transition: color 0.15s; }
    .footer-links a:hover { color: var(--accent); }
    @media (max-width: 768px) {
      header { padding: 1.25rem 1.5rem; flex-wrap: wrap; }
      .tagline-head { display: none; }
      .header-nav { gap: 1rem; margin-left: auto; }
      main { padding: 3.5rem 1.5rem 3rem; }
      footer { padding: 1.25rem 1.5rem; flex-direction: column; align-items: flex-start; }
    }
    @media (max-width: 480px) {
      .header-nav a { font-size: 0.68rem; }
      .header-nav { gap: 0.75rem; }
    }