:root {
  --navy: #02255d;
  --red: #d90011;
  --ink: #1d2433;
  --muted: #5b6475;
  --line: #e3e6ec;
  --tint: #f4f6fa;
  --bg: #ffffff;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font: 17px/1.65 system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}
a { color: var(--navy); text-underline-offset: 2px; }
a:hover { color: var(--red); }

.site-header {
  background: var(--navy);
  border-bottom: 4px solid var(--red);
}
.site-header .inner {
  max-width: 820px;
  margin: 0 auto;
  padding: 14px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  color: #fff;
  text-decoration: none;
  font-weight: 700;
  font-size: 20px;
  letter-spacing: 0.2px;
}
.brand:hover { color: #fff; }
.brand img {
  width: 46px;
  height: auto;
  background: #fff;
  border-radius: 8px;
  padding: 5px;
}
.site-header nav a {
  color: #fff;
  text-decoration: none;
  font-size: 15px;
  margin-left: 18px;
  opacity: 0.9;
}
.site-header nav a:hover,
.site-header nav a[aria-current="page"] { opacity: 1; text-decoration: underline; color: #fff; }

main {
  max-width: 820px;
  margin: 0 auto;
  padding: 40px 20px 64px;
}
h1 {
  color: var(--navy);
  font-size: 36px;
  line-height: 1.2;
  margin: 0 0 6px;
}
.effective { color: var(--muted); margin: 0 0 28px; font-size: 15px; }
h2 {
  color: var(--navy);
  font-size: 22px;
  line-height: 1.3;
  margin: 40px 0 10px;
  padding-top: 14px;
  border-top: 1px solid var(--line);
}
h3 { color: var(--navy); font-size: 18px; margin: 24px 0 6px; }
p, li { margin: 0 0 12px; }
ul { padding-left: 22px; }

.disclosure {
  background: var(--tint);
  border-left: 4px solid var(--red);
  border-radius: 6px;
  padding: 16px 18px;
  margin: 16px 0 20px;
  font-size: 16px;
}
.disclosure p:last-child { margin-bottom: 0; }
.callout {
  font-weight: 600;
}

.cards { display: grid; gap: 16px; margin-top: 24px; }
.card {
  display: block;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 20px 22px;
  text-decoration: none;
  color: var(--ink);
}
.card:hover { border-color: var(--navy); color: var(--ink); }
.card strong { display: block; color: var(--navy); font-size: 20px; margin-bottom: 4px; }

.site-footer {
  background: var(--tint);
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 14px;
}
.site-footer .inner {
  max-width: 820px;
  margin: 0 auto;
  padding: 24px 20px;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 10px 24px;
}
.site-footer a { color: var(--muted); }

@media (max-width: 560px) {
  body { font-size: 16px; }
  h1 { font-size: 28px; }
  .site-header .inner { flex-direction: column; align-items: flex-start; }
  .site-header nav a { margin: 0 16px 0 0; }
}