*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
body{background:#fff;color:#0D1B3E;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;-webkit-font-smoothing:antialiased;overflow-x:hidden;opacity:0;animation:fadein 0.15s ease forwards}
@keyframes fadein{to{opacity:1}}
:root{--blue:#1A6BF5;--blue-dark:#1255CC;--blue-lt:#EBF2FF;--blue-xlt:#F0F6FF;--text:#0D1B3E;--muted:#5A6E8A;--border:#D4E3FA}

/* NAV */
.top-nav{background:var(--blue);padding:0 20px;display:flex;align-items:center;justify-content:space-between;height:60px;flex-shrink:0;box-shadow:0 2px 12px rgba(26,107,245,0.35)}
.top-nav.light{background:#fff;box-shadow:0 1px 0 #E0EAF5}
.nav-logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-ring{width:36px;height:36px;border-radius:50%;border:3px solid rgba(255,255,255,0.9);display:flex;align-items:center;justify-content:center}
.logo-ring::after{content:'';width:13px;height:13px;border-radius:50%;border:2.5px solid rgba(255,255,255,0.9)}
.top-nav.light .logo-ring{border-color:#1A6BF5}
.top-nav.light .logo-ring::after{border-color:#1A6BF5}
.logo-text .name{font-size:1.05rem;font-weight:800;color:#fff;letter-spacing:1px;text-transform:uppercase;display:block}
.logo-text .sub{font-size:0.58rem;font-weight:500;color:rgba(255,255,255,0.7);letter-spacing:2.5px;text-transform:uppercase;display:block}
.top-nav.light .logo-text .name{color:#0D1B3E}
.top-nav.light .logo-text .sub{color:#7A90AE}
.nav-menu{width:26px;height:20px;display:flex;flex-direction:column;justify-content:space-between;cursor:pointer}
.nav-menu span{display:block;height:2.5px;background:#fff;border-radius:2px}
.top-nav.light .nav-menu span{background:#1A6BF5}

/* BACK BTN */
.back-btn{display:inline-flex;align-items:center;gap:6px;font-size:0.82rem;font-weight:700;color:var(--blue);background:var(--blue-xlt);border:1.5px solid var(--border);border-radius:50px;padding:8px 18px;cursor:pointer;text-decoration:none;margin:16px 18px 0;width:fit-content}

/* FOOTER */
footer{background:#0D1B3E;padding:26px 20px 20px;text-align:center}
.footer-brand{font-size:0.95rem;font-weight:800;color:#fff;letter-spacing:1px;text-transform:uppercase;margin-bottom:3px}
.footer-brand span{color:#2979F7}
.footer-tagline{font-size:0.6rem;color:rgba(255,255,255,0.32);letter-spacing:2px;text-transform:uppercase;margin-bottom:12px}
.footer-links{display:flex;justify-content:center;flex-wrap:wrap;border:1px solid rgba(255,255,255,0.1);border-radius:10px;overflow:hidden;margin-bottom:12px}
.footer-links a{font-size:0.72rem;color:rgba(255,255,255,0.55);text-decoration:none;padding:9px 14px;flex:1;min-width:80px;border-right:1px solid rgba(255,255,255,0.1)}
.footer-links a:last-child{border-right:none}
.footer-links a:hover{background:rgba(255,255,255,0.07);color:#fff}
.footer-note{font-size:0.64rem;color:rgba(255,255,255,0.22)}

/* POLICY PAGE */
.policy-page{min-height:100vh;display:flex;flex-direction:column}
.policy-body-wrap{flex:1;padding:24px 20px 32px;background:#F8FAFF}
.policy-h1{font-size:1.3rem;font-weight:900;color:#0D1B3E;margin-bottom:18px;letter-spacing:-0.3px}
.policy-section{background:#fff;border:1px solid #E0EAF7;border-radius:16px;padding:18px 16px;margin-bottom:12px}
.policy-section h3{font-size:0.88rem;font-weight:800;color:#0D1B3E;margin-bottom:8px}
.policy-section p{font-size:0.82rem;color:#5A6E8A;line-height:1.7;margin-bottom:8px}
.policy-section p:last-child{margin-bottom:0}
.policy-section ul{padding-left:16px;font-size:0.82rem;color:#5A6E8A;line-height:1.7}
.policy-section ul li{margin-bottom:4px}