:root {
  --ink: #17211d;
  --muted: #52615b;
  --line: #d8dfdb;
  --paper: #fbfcfb;
  --green: #0d644e;
  --green-dark: #094537;
  --mint: #dff4ec;
  --sun: #f4b45c;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 17px;
  line-height: 1.7;
}
a { color: var(--green); text-decoration-thickness: 1px; text-underline-offset: 4px; }
.hero { background: var(--green-dark); color: #fff; border-bottom: 6px solid var(--sun); }
.hero-inner { width: min(1120px, calc(100% - 40px)); margin: 0 auto; padding: 28px 0 70px; }
.brand { display: inline-flex; align-items: center; gap: 12px; color: #fff; font-size: 18px; font-weight: 750; text-decoration: none; }
.brand-mark { display: grid; place-items: center; width: 42px; height: 42px; border: 2px solid #87dec4; border-radius: 50%; }
.sun { width: 17px; height: 9px; margin-top: 8px; background: var(--sun); border-radius: 18px 18px 3px 3px; box-shadow: 0 5px 0 -3px #fff; }
.hero-copy { max-width: 760px; padding-top: 58px; }
.eyebrow { margin: 0 0 10px; color: #8ee1c8; font-size: 14px; font-weight: 800; letter-spacing: 0; text-transform: uppercase; }
h1, h2, p { margin-top: 0; }
h1 { max-width: 700px; margin-bottom: 20px; font-size: clamp(42px, 7vw, 70px); line-height: 1.06; letter-spacing: 0; }
.intro { max-width: 700px; margin-bottom: 22px; color: #dceae5; font-size: 20px; }
.date { margin-bottom: 0; color: #b8ccc5; font-size: 15px; }
.content-layout { display: grid; grid-template-columns: 210px minmax(0, 760px); gap: 70px; width: min(1120px, calc(100% - 40px)); margin: 0 auto; padding: 72px 0 86px; }
.toc { position: sticky; top: 30px; align-self: start; display: flex; flex-direction: column; gap: 8px; border-left: 2px solid var(--line); padding-left: 20px; }
.toc p { margin-bottom: 6px; color: var(--ink); font-size: 14px; font-weight: 800; text-transform: uppercase; }
.toc a { color: var(--muted); font-size: 15px; text-decoration: none; }
.toc a:hover, .toc a:focus-visible { color: var(--green); text-decoration: underline; }
.policy section { scroll-margin-top: 30px; border-bottom: 1px solid var(--line); padding: 0 0 42px; margin-bottom: 42px; }
.policy h2 { margin-bottom: 14px; color: var(--green-dark); font-size: 29px; line-height: 1.25; letter-spacing: 0; }
.policy p, .policy li { color: var(--muted); }
.policy ul { margin: 18px 0 0; padding-left: 24px; }
.policy li + li { margin-top: 8px; }
.assurance-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); margin-top: 28px; border: 1px solid #bbd8ce; border-radius: 8px; overflow: hidden; }
.assurance-grid div { display: flex; flex-direction: column; gap: 6px; min-height: 150px; padding: 24px; background: var(--mint); }
.assurance-grid div + div { border-left: 1px solid #bbd8ce; }
.assurance-grid strong { color: var(--green-dark); font-size: 18px; }
.assurance-grid span { color: #416258; font-size: 14px; line-height: 1.5; }
.policy .contact { border: 1px solid #b8d2c9; border-radius: 8px; padding: 30px; background: #f0f8f5; }
.contact .eyebrow { color: var(--green); }
.contact h2 { margin-bottom: 8px; }
.contact p:last-child { margin-bottom: 0; }
footer { display: flex; justify-content: space-between; gap: 24px; border-top: 1px solid var(--line); padding: 28px max(20px, calc((100% - 1120px) / 2)); color: var(--muted); font-size: 14px; }

@media (max-width: 820px) {
  .hero-inner, .content-layout { width: min(100% - 32px, 700px); }
  .hero-inner { padding-bottom: 48px; }
  .hero-copy { padding-top: 42px; }
  h1 { font-size: 43px; }
  .intro { font-size: 18px; }
  .content-layout { display: block; padding-top: 46px; }
  .toc { position: static; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); margin-bottom: 48px; }
  .toc p { grid-column: 1 / -1; }
  .assurance-grid { grid-template-columns: 1fr; }
  .assurance-grid div { min-height: auto; }
  .assurance-grid div + div { border-top: 1px solid #bbd8ce; border-left: 0; }
}

@media (max-width: 520px) {
  body { font-size: 16px; }
  h1 { font-size: 38px; }
  .policy h2 { font-size: 25px; }
  .policy .contact { padding: 24px 20px; }
  footer { flex-direction: column; gap: 6px; }
}

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }