:root {
  --bg: #0f1115;
  --panel: #161922;
  --text: #e8eaf0;
  --muted: #9aa1b2;
  --accent: #4f8cff;
  --border: #262b38;
  --maxw: 760px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  line-height: 1.6;
}

header {
  border-bottom: 1px solid var(--border);
  padding: 20px 24px;
}

nav {
  max-width: var(--maxw);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

nav .brand {
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--text);
  text-decoration: none;
}

nav .links a {
  color: var(--muted);
  text-decoration: none;
  margin-left: 20px;
  font-size: 0.95rem;
}

nav .links a:hover { color: var(--accent); }

main {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 48px 24px 80px;
}

h1 { font-size: 1.9rem; margin-bottom: 0.3em; }
h2 { font-size: 1.25rem; margin-top: 2em; color: var(--text); }
h3 { font-size: 1.05rem; margin-top: 1.5em; color: var(--muted); text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.85rem; }

p, li { color: var(--text); }
.muted { color: var(--muted); }

a { color: var(--accent); }

.effective-date {
  color: var(--muted);
  font-size: 0.9rem;
  margin-bottom: 2.5em;
}

.card {
  background: var(--panel);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 20px 24px;
  margin: 24px 0;
}

.cta {
  display: inline-block;
  background: var(--accent);
  color: #fff;
  padding: 10px 20px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 600;
  margin-top: 12px;
}

.cta:hover { opacity: 0.9; }

footer {
  border-top: 1px solid var(--border);
  padding: 24px;
  text-align: center;
  color: var(--muted);
  font-size: 0.85rem;
}

.disclaimer {
  background: #241c10;
  border: 1px solid #4a3a17;
  color: #e8c988;
  border-radius: 8px;
  padding: 14px 18px;
  font-size: 0.9rem;
  margin-bottom: 2em;
}