*, *::before, *::after { box-sizing: border-box; }
body {
  margin: 0;
  font-family: "Plus Jakarta Sans", system-ui, sans-serif;
  font-size: 1rem;
  line-height: 1.7;
  color: #171b25;
  background:
    linear-gradient(180deg, rgba(255,255,255,0.15), rgba(238,244,252,0.82)),
    radial-gradient(circle at 12% 18%, rgba(104,146,191,0.58), transparent 32%),
    radial-gradient(circle at 84% 86%, rgba(200,212,232,0.58), transparent 28%),
    linear-gradient(135deg, #cdd9e6 0%, #e9eef5 38%, #d1dce8 100%);
  min-height: 100vh;
}
a { color: #2f69a8; text-decoration: none; }
a:hover { text-decoration: underline; }
.shell {
  max-width: 760px;
  margin: 0 auto;
  padding: 40px 24px 80px;
}
.topbar {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 36px;
}
.back-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.88rem;
  font-weight: 700;
  color: #2f69a8;
  text-decoration: none;
  padding: 6px 12px;
  border-radius: 999px;
  background: rgba(47,105,168,0.08);
  border: 1px solid rgba(47,105,168,0.18);
  transition: background 150ms ease;
}
.back-link:hover { background: rgba(47,105,168,0.14); text-decoration: none; }
.brand { font-family: "Manrope", system-ui, sans-serif; font-weight: 800; font-size: 1.1rem; letter-spacing: -0.04em; }
.card {
  background: rgba(255,255,255,0.88);
  border: 1px solid rgba(122,136,160,0.16);
  box-shadow: 0 20px 50px rgba(85,100,130,0.18);
  backdrop-filter: blur(18px);
  border-radius: 24px;
  padding: 36px 40px;
}
.effective { color: #6d7788; font-size: 0.82rem; margin: 0 0 28px; font-weight: 600; }
h1 { font-family: "Manrope", system-ui, sans-serif; font-size: clamp(1.6rem, 3vw, 2.2rem); letter-spacing: -0.05em; margin: 0 0 4px; line-height: 1.1; }
h2 { font-family: "Manrope", system-ui, sans-serif; font-size: 1.15rem; letter-spacing: -0.03em; margin: 32px 0 8px; color: #171b25; }
h3 { font-size: 0.9rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.12em; color: #7a8eb0; margin: 24px 0 6px; }
p { margin: 0 0 14px; color: #374151; }
ul, ol { margin: 0 0 14px; padding-left: 22px; color: #374151; }
li { margin-bottom: 5px; }
table { width: 100%; border-collapse: collapse; margin: 14px 0; font-size: 0.88rem; }
th { text-align: left; padding: 8px 12px; background: rgba(47,105,168,0.07); font-weight: 700; color: #374151; border-bottom: 1px solid rgba(122,136,160,0.16); }
td { padding: 8px 12px; border-bottom: 1px solid rgba(122,136,160,0.1); color: #374151; vertical-align: top; }
tr:last-child td { border-bottom: none; }
.footer-links { margin-top: 36px; display: flex; flex-wrap: wrap; gap: 16px; font-size: 0.82rem; color: #6d7788; }
@media (max-width: 600px) { .card { padding: 24px 20px; } }