:root{
  --bg:#eef2f7;
  --card:#ffffff;
  --primary:#002663;
  --accent:#d32f2f;
  --text:#1f2937;
  --muted:#6b7280;
  --line:#e5e7eb;
}
*{box-sizing:border-box}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
  background:linear-gradient(180deg,#e9eef8 0%,#f5f7fb 45%,#eef2f7 100%);
  color:var(--text);
}
.topbar{
  background:var(--primary);
  color:#fff;
  padding:22px 18px;
  border-bottom:4px solid var(--accent);
}
.topbar .title{
  max-width:980px;
  margin:0 auto;
  display:flex;
  align-items:center;
  gap:16px;
}
.topbar .title-logo{
  width:58px;
  height:58px;
  object-fit:contain;
  filter:drop-shadow(0 6px 14px rgba(0,0,0,.18));
}
.topbar .title-text{
  font-size:28px;
  font-weight:800;
  letter-spacing:.2px;
}
.wrap{
  max-width:980px;
  margin:26px auto 34px;
  padding:0 14px;
}
.card{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:16px;
  box-shadow:0 10px 24px rgba(0,0,0,.06);
  overflow:hidden;
}
.badge{
  display:inline-block;
  margin:18px 22px 0;
  padding:8px 12px;
  border-radius:999px;
  font-size:12px;
  font-weight:700;
  background:#e7f0ff;
  color:var(--primary);
}
.content{ padding:18px 22px 24px; }
.hero-actions{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  margin:18px 0 8px;
}
.btn-legal{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:46px;
  padding:12px 18px;
  border-radius:12px;
  border:none;
  text-decoration:none;
  font-weight:800;
  cursor:pointer;
}
.btn-legal-primary{
  background:var(--primary);
  color:#fff;
  box-shadow:0 10px 22px rgba(0,38,99,.16);
}
.btn-legal-primary:hover{
  filter:brightness(1.05);
}
.btn-legal-secondary{
  background:#fff;
  color:var(--primary);
  border:1px solid #d7e3f4;
}
h1{
  margin:8px 0 8px;
  font-size:30px;
  color:var(--primary);
}
.lead{
  margin:0 0 20px;
  color:#334155;
  font-size:16px;
  line-height:1.8;
}
.sub{
  margin:0 0 18px;
  color:var(--muted);
  font-size:15px;
}
h2{
  margin:26px 0 10px;
  font-size:19px;
  color:#111827;
}
h3{
  margin:18px 0 8px;
  font-size:16px;
  color:#0f172a;
}
p,li{ line-height:1.7; font-size:15px; }
ul{ margin:8px 0 0 20px; padding:0; }
ol{ margin:8px 0 0 20px; padding:0; }
.meta{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  margin:14px 0 20px;
}
.meta span{
  display:inline-flex;
  align-items:center;
  padding:8px 12px;
  border-radius:999px;
  background:#f3f6fb;
  border:1px solid var(--line);
  color:var(--primary);
  font-size:13px;
  font-weight:700;
}
.effective-box{
  margin:6px 0 18px;
  padding:14px 16px;
  border:1px solid #cfe0ff;
  border-radius:14px;
  background:linear-gradient(180deg,#f8fbff 0%,#eef5ff 100%);
}
.effective-box strong{
  display:block;
  margin-bottom:4px;
  color:var(--primary);
  font-size:14px;
}
.effective-box span{
  color:#334155;
  font-size:14px;
}
.toc{
  margin:20px 0 24px;
  padding:16px 18px;
  border:1px solid #dbe5f2;
  border-radius:14px;
  background:linear-gradient(180deg,#f8fbff 0%,#f2f7ff 100%);
}
.toc-title{
  margin:0 0 10px;
  font-size:14px;
  font-weight:800;
  color:var(--primary);
  text-transform:uppercase;
  letter-spacing:.04em;
}
.toc ul{
  margin:0;
  columns:2;
  column-gap:28px;
}
.toc li{
  break-inside:avoid;
  margin-bottom:6px;
}
.section-card{
  margin-top:18px;
  padding:18px 18px 8px;
  border:1px solid #e8edf5;
  border-radius:14px;
  background:#fbfcfe;
}
.section-card h2:first-child{
  margin-top:0;
}
.form-grid{
  display:grid;
  grid-template-columns:repeat(2, minmax(0, 1fr));
  gap:14px;
}
.form-full{
  grid-column:1 / -1;
}
.field label{
  display:block;
  margin:0 0 6px;
  font-size:13px;
  font-weight:800;
  color:#334155;
  text-transform:uppercase;
  letter-spacing:.04em;
}
.field input,
.field select,
.field textarea{
  width:100%;
  min-height:46px;
  padding:12px 14px;
  border:1px solid #d6deea;
  border-radius:12px;
  background:#fff;
  color:var(--text);
  font:inherit;
}
.field textarea{
  min-height:140px;
  resize:vertical;
}
.field input:focus,
.field select:focus,
.field textarea:focus{
  outline:none;
  border-color:#2b6ce6;
  box-shadow:0 0 0 3px rgba(43,108,230,.14);
}
.help-text{
  margin:8px 0 0;
  color:var(--muted);
  font-size:13px;
}
.success-box{
  margin:18px 0 22px;
  padding:14px 16px;
  border:1px solid #b7efc5;
  border-radius:14px;
  background:#f1fdf5;
  color:#166534;
}
.list-tight li{
  margin-bottom:6px;
}
.legal-note{
  margin:16px 0;
  padding:14px 16px;
  border-left:4px solid var(--primary);
  border-radius:10px;
  background:#eff6ff;
  color:#1e3a8a;
}
.notice{
  margin-top:16px;
  background:#fff8e1;
  border:1px solid #fde68a;
  border-radius:10px;
  padding:12px;
  color:#92400e;
}
.footer{
  margin-top:16px;
  padding-top:14px;
  border-top:1px dashed var(--line);
  color:var(--muted);
  font-size:13px;
}
.brand{
  margin-top:10px;
  font-weight:800;
  color:var(--primary);
}
@media (max-width: 700px){
  .topbar .title{
    gap:12px;
  }
  .topbar .title-logo{
    width:48px;
    height:48px;
  }
  .topbar .title-text{
    font-size:24px;
  }
  h1{
    font-size:26px;
  }
  .content{
    padding:16px 16px 22px;
  }
  .form-grid{
    grid-template-columns:1fr;
  }
  .toc ul{
    columns:1;
  }
}