:root {
  color-scheme: light;
  --bg: #fffaf6;
  --surface: #ffffff;
  --surface-soft: #fff1e7;
  --text: #2f251f;
  --muted: #69594f;
  --accent: #b9470c;
  --accent-strong: #8f3207;
  --border: #e7d8ce;
  --focus: #075fab;
  --shadow: 0 12px 36px rgb(74 42 24 / 8%);
  --radius: 18px;
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 17px;
  line-height: 1.65;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 6rem;
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  text-rendering: optimizeLegibility;
}

a {
  color: var(--accent-strong);
  text-decoration-thickness: 0.1em;
  text-underline-offset: 0.18em;
}

a:hover {
  text-decoration-thickness: 0.16em;
}

a:focus-visible,
button:focus-visible,
[tabindex="0"]:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
  border-radius: 4px;
}

.skip-link {
  position: fixed;
  z-index: 100;
  top: 0.75rem;
  left: 0.75rem;
  padding: 0.75rem 1rem;
  border-radius: 0.5rem;
  background: var(--text);
  color: #fff;
  transform: translateY(-180%);
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: sticky;
  z-index: 20;
  top: 0;
  border-bottom: 1px solid rgb(231 216 206 / 85%);
  background: rgb(255 250 246 / 92%);
  backdrop-filter: blur(14px);
}

.header-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  width: min(1180px, calc(100% - 2rem));
  min-height: 72px;
  margin: 0 auto;
  gap: 1rem;
  padding: 0.4rem 0;
}

.brand {
  display: inline-flex;
  align-items: center;
  min-height: 48px;
  gap: 0.75rem;
  color: var(--text);
  text-decoration: none;
}

.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  border-radius: 13px;
  background: linear-gradient(145deg, #ff964f, #e95c19);
  color: #fff;
  box-shadow: 0 8px 18px rgb(185 71 12 / 22%);
}

.brand-mark svg {
  width: 32px;
  height: 32px;
}

.brand strong,
.brand small {
  display: block;
  line-height: 1.25;
}

.brand small {
  margin-top: 0.1rem;
  color: var(--muted);
  font-size: 0.78rem;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}

.nav-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0.5rem 0.75rem;
  border: 1px solid transparent;
  border-radius: 999px;
  color: var(--text);
  font-size: 0.92rem;
  font-weight: 700;
  text-decoration: none;
}

.nav-link:hover {
  border-color: var(--border);
  background: var(--surface);
}

.nav-link[aria-current="page"] {
  border-color: var(--border);
  background: var(--surface-soft);
  color: var(--accent-strong);
}

.contact-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0.55rem 0.85rem;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: var(--surface);
  font-weight: 700;
  text-decoration: none;
}

.error-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.layout {
  display: grid;
  grid-template-columns: minmax(210px, 260px) minmax(0, 760px);
  justify-content: center;
  gap: clamp(2rem, 5vw, 5rem);
  width: min(1180px, calc(100% - 2rem));
  margin: 0 auto;
  padding: clamp(2rem, 6vw, 5rem) 0 4rem;
}

.toc-card {
  position: sticky;
  top: 6.25rem;
  align-self: start;
  padding: 1.25rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: var(--shadow);
}

.toc-card ol {
  margin: 0;
  padding-left: 1.25rem;
}

.toc-card li + li {
  margin-top: 0.45rem;
}

.toc-card a {
  display: inline-block;
  min-height: 32px;
  color: var(--text);
}

.eyebrow {
  margin: 0 0 0.55rem;
  color: var(--accent-strong);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}

article {
  min-width: 0;
}

article > section {
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--border);
}

.hero {
  padding-top: 0;
}

h1,
h2,
h3 {
  line-height: 1.2;
  text-wrap: balance;
}

h1 {
  max-width: 14ch;
  margin: 0;
  font-size: clamp(2.35rem, 7vw, 4.65rem);
  letter-spacing: -0.045em;
}

h2 {
  margin: 0 0 0.85rem;
  font-size: clamp(1.45rem, 3vw, 2rem);
  letter-spacing: -0.022em;
}

h3 {
  margin: 1.4rem 0 0.45rem;
  font-size: 1.1rem;
}

p,
ul {
  max-width: 70ch;
}

.lede {
  max-width: 55ch;
  margin: 1.25rem 0 1.75rem;
  color: var(--muted);
  font-size: clamp(1.08rem, 2vw, 1.25rem);
}

.policy-facts {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1px;
  overflow: hidden;
  margin: 0;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--border);
}

.policy-facts div {
  min-width: 0;
  padding: 1rem;
  background: var(--surface);
}

.policy-facts dt {
  color: var(--muted);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
}

.policy-facts dd {
  margin: 0.2rem 0 0;
  font-weight: 700;
  overflow-wrap: anywhere;
}

code {
  padding: 0.12em 0.35em;
  border-radius: 0.35em;
  background: var(--surface-soft);
  color: var(--text);
  font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  font-size: 0.88em;
}

.scope-note {
  margin-top: 1rem;
  padding: 1rem 1.1rem;
  border-left: 5px solid var(--accent);
  border-radius: 0 var(--radius) var(--radius) 0;
  background: var(--surface-soft);
}

.table-wrap {
  overflow-x: auto;
  margin: 1.1rem 0;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface);
}

table {
  width: 100%;
  min-width: 640px;
  border-collapse: collapse;
}

th,
td {
  padding: 0.9rem 1rem;
  border-bottom: 1px solid var(--border);
  text-align: left;
  vertical-align: top;
}

thead th {
  background: var(--surface-soft);
  font-size: 0.84rem;
  letter-spacing: 0.03em;
}

tbody th {
  width: 24%;
}

tbody tr:last-child th,
tbody tr:last-child td {
  border-bottom: 0;
}

.provider-list {
  display: grid;
  gap: 0.8rem;
  padding: 0;
  list-style: none;
}

.provider-list li {
  display: grid;
  gap: 0.25rem;
  padding: 1rem;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: var(--surface);
}

.provider-list span {
  color: var(--muted);
}

.contact-card {
  margin-top: 2rem;
  padding: clamp(1.25rem, 4vw, 2rem);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: linear-gradient(145deg, var(--surface-soft), var(--surface));
  box-shadow: var(--shadow);
}

address {
  font-style: normal;
}

.last-updated {
  color: var(--muted);
  font-size: 0.9rem;
}

footer {
  padding: 1.5rem 1rem 2.5rem;
  border-top: 1px solid var(--border);
  color: var(--muted);
  text-align: center;
}

footer p {
  margin: 0 auto;
}

footer nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.5rem 1rem;
  margin-top: 0.65rem;
}

@media (max-width: 820px) {
  .layout {
    grid-template-columns: minmax(0, 760px);
    gap: 1.5rem;
  }

  .toc-card {
    position: static;
  }

  .toc-card ol {
    columns: 2;
  }
}

@media (max-width: 560px) {
  :root {
    font-size: 16px;
  }

  html {
    scroll-padding-top: 9rem;
  }

  .header-inner {
    min-height: 64px;
    gap: 0.35rem;
    padding: 0.55rem 0;
  }

  .brand {
    width: 100%;
  }

  .site-nav {
    width: 100%;
  }

  .nav-link {
    flex: 1 1 0;
    padding-inline: 0.45rem;
    font-size: 0.86rem;
  }

  .contact-link {
    padding-inline: 0.65rem;
    font-size: 0.88rem;
  }

  .brand-mark {
    width: 38px;
    height: 38px;
  }

  .policy-facts {
    grid-template-columns: 1fr;
  }

  .toc-card ol {
    columns: 1;
  }

  h1 {
    font-size: clamp(2.25rem, 14vw, 3.35rem);
  }

  .table-wrap {
    overflow: visible;
    border: 0;
    background: transparent;
  }

  table,
  tbody,
  tr,
  th,
  td {
    display: block;
    width: 100%;
    min-width: 0;
  }

  thead {
    position: absolute;
    width: 1px;
    height: 1px;
    overflow: hidden;
    clip: rect(0 0 0 0);
    clip-path: inset(50%);
    white-space: nowrap;
  }

  tbody {
    display: grid;
    gap: 0.8rem;
  }

  tbody tr {
    overflow: hidden;
    border: 1px solid var(--border);
    border-radius: 14px;
    background: var(--surface);
  }

  tbody th,
  tbody td {
    padding: 0.75rem 0.9rem;
    border-bottom: 1px solid var(--border);
  }

  tbody th {
    background: var(--surface-soft);
    font-size: 1rem;
  }

  tbody td::before {
    display: block;
    margin-bottom: 0.15rem;
    color: var(--muted);
    content: attr(data-label);
    font-size: 0.72rem;
    font-weight: 800;
    letter-spacing: 0.06em;
    text-transform: uppercase;
  }

  tbody tr:last-child th,
  tbody tr:last-child td,
  tbody td:last-child {
    border-bottom: 0;
  }
}

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

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

@media (prefers-color-scheme: dark) {
  :root {
    color-scheme: dark;
    --bg: #17120f;
    --surface: #211a16;
    --surface-soft: #302017;
    --text: #fff7f0;
    --muted: #d8c6ba;
    --accent: #ff9b5b;
    --accent-strong: #ffb17e;
    --border: #4a382d;
    --focus: #72baff;
    --shadow: 0 12px 36px rgb(0 0 0 / 28%);
  }

  .site-header {
    background: rgb(23 18 15 / 92%);
  }
}

@media print {
  .site-header,
  .toc-card,
  footer,
  .skip-link {
    display: none;
  }

  .layout {
    display: block;
    width: 100%;
    padding: 0;
  }

  article > section {
    break-inside: avoid;
  }

  a {
    color: inherit;
  }
}