* {
  box-sizing: border-box;
}

body {
  margin: 0;
  background-color: #f8fafc;
  color: #1e293b;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.7;
}

header,
main,
footer {
  max-width: 780px;
  margin: 0 auto;
  padding: 24px 28px;
}

header {
  border-bottom: 1px solid #e2e8f0;
  background-color: #ffffff;
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 1.25rem;
  color: #0f172a;
  text-decoration: none;
}

.brand img {
  border-radius: 8px;
  display: block;
}

nav {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

nav a {
  font-size: 0.95rem;
  font-weight: 500;
  color: #475569;
  text-decoration: none;
  transition: color 0.15s ease;
}

nav a:hover,
nav a.active {
  color: #2563eb;
  text-decoration: underline;
}

main {
  min-height: 65vh;
  padding-top: 40px;
  padding-bottom: 60px;
}

h1 {
  font-size: 2.25rem;
  line-height: 1.2;
  color: #0f172a;
  margin-top: 0;
  margin-bottom: 0.5rem;
  letter-spacing: -0.02em;
}

.effective-date {
  color: #64748b;
  font-size: 0.95rem;
  margin-bottom: 2rem;
}

h2 {
  font-size: 1.35rem;
  color: #0f172a;
  margin-top: 2.25rem;
  margin-bottom: 0.75rem;
  letter-spacing: -0.01em;
}

h3 {
  font-size: 1.1rem;
  color: #1e293b;
  margin-top: 1.5rem;
  margin-bottom: 0.5rem;
}

p, ul, ol {
  margin-top: 0;
  margin-bottom: 1.25rem;
  color: #334155;
}

ul, ol {
  padding-left: 1.5rem;
}

li {
  margin-bottom: 0.5rem;
}

a {
  color: #2563eb;
  text-underline-offset: 4px;
}

a:hover {
  color: #1d4ed8;
}

.card {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  padding: 20px 24px;
  margin-bottom: 1.5rem;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04);
}

.contact-box {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: 12px;
  padding: 20px 24px;
  margin: 2rem 0;
}

.contact-box p {
  margin-bottom: 0.5rem;
}

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

footer {
  border-top: 1px solid #e2e8f0;
  font-size: 0.9rem;
  color: #64748b;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding-top: 28px;
  padding-bottom: 36px;
}

footer a {
  color: #475569;
}

footer a:hover {
  color: #0f172a;
}

@media (max-width: 600px) {
  header, main, footer {
    padding: 18px 20px;
  }
  h1 {
    font-size: 1.85rem;
  }
  footer {
    flex-direction: column;
    align-items: flex-start;
  }
}