:root {
      --dark:       #13544E;
      --heading:    #095D40;
      --accent:     #6C9A40;
      --cta:        #008060;
      --lime:       #D3E162;
      --lime-light: #E4F577;
      --bg:         #FBF7ED;
      --alt:        #E0EDD4;
      --text:       #212B36;
      --muted:      #5a6a75;
      --white:      #ffffff;
      --radius:     12px;
      --radius-lg:  20px;
      --shadow:     0 4px 24px rgba(9,93,64,0.09);
      --shadow-lg:  0 8px 40px rgba(9,93,64,0.14);
      --shadow-xl:  0 16px 64px rgba(9,93,64,0.18);
      --transition: all 0.25s ease;
    }
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body { font-family: 'Inter', sans-serif; background: var(--bg); color: var(--text); line-height: 1.65; -webkit-font-smoothing: antialiased; }
    a { text-decoration: none; color: inherit; }
    img { max-width: 100%; display: block; }
    .container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }

    /* ── UTILITIES ── */
    .section-label { display: inline-flex; align-items: center; gap: 8px; background: var(--lime); color: var(--heading); font-size: 0.78rem; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; padding: 6px 14px; border-radius: 100px; margin-bottom: 14px; }

    /* ── ANNOUNCEMENT BAR ── */
    .ann-bar { background: var(--heading); padding: 9px 0; text-align: center; font-size: 0.82rem; font-weight: 700; color: rgba(255,255,255,0.90); display: flex; align-items: center; justify-content: center; gap: 8px; position: relative; }
    .ann-bar a { color: var(--lime); font-weight: 900; border-bottom: 1px solid rgba(211,225,98,0.40); }
    .ann-close { position: absolute; right: 16px; top: 50%; transform: translateY(-50%); background: none; border: none; color: rgba(255,255,255,0.60); cursor: pointer; font-size: 0.80rem; }

    /* ── NAVIGATION ── */
    .site-nav { background: var(--white); border-bottom: 1px solid rgba(9,93,64,0.10); box-shadow: 0 2px 12px rgba(9,93,64,0.06); position: sticky; top: 0; z-index: 1000; }
    .site-nav-inner { display: flex; align-items: center; justify-content: space-between; height: 68px; gap: 12px; }
    .nav-logo { font-size: 1.15rem; font-weight: 900; color: var(--heading); flex-shrink: 0; }
    .nav-logo .acc { color: var(--accent); }
    .nav-links { display: flex; align-items: center; gap: 4px; list-style: none; flex: 1; justify-content: center; }
    .nav-links > li > a { display: flex; align-items: center; gap: 5px; font-size: 0.88rem; font-weight: 700; color: var(--text); padding: 8px 12px; border-radius: 8px; transition: var(--transition); }
    .nav-links > li > a:hover { background: var(--alt); color: var(--heading); }
    .nav-cta-btn { display: inline-flex; align-items: center; gap: 7px; background: var(--cta); color: var(--white); font-size: 0.86rem; font-weight: 800; padding: 10px 20px; border-radius: 10px; transition: var(--transition); flex-shrink: 0; }
    .nav-cta-btn:hover { background: var(--heading); }
    .nav-toggle { display: none; background: none; border: none; font-size: 1.3rem; color: var(--heading); cursor: pointer; padding: 6px; border-radius: 6px; }

    /* ── MOBILE NAV ── */
    .mobile-nav { display: none; position: fixed; top: 68px; left: 0; right: 0; background: var(--white); border-bottom: 1px solid rgba(9,93,64,0.10); padding: 20px 24px 28px; z-index: 999; box-shadow: var(--shadow-lg); flex-direction: column; gap: 8px; }
    .mobile-nav.open { display: flex; }
    .mobile-nav a { font-size: 0.90rem; font-weight: 700; color: var(--text); padding: 10px 14px; border-radius: 8px; transition: var(--transition); }
    .mobile-nav a:hover { background: var(--alt); color: var(--heading); }
    .mobile-nav-ctas { display: flex; flex-direction: column; gap: 8px; margin-top: 10px; }
    .mobile-nav-ctas a { display: flex; align-items: center; justify-content: center; gap: 8px; padding: 12px; border-radius: 10px; font-size: 0.90rem; font-weight: 800; }
    .mobile-nav-ctas a.primary { background: var(--cta); color: var(--white); }
    .mobile-nav-ctas a.secondary { background: var(--alt); color: var(--heading); }

    /* ── BREADCRUMB ── */
    .breadcrumb-bar { background: var(--alt); border-bottom: 1px solid rgba(9,93,64,0.08); padding: 12px 0; }
    .breadcrumb { display: flex; align-items: center; gap: 7px; font-size: 0.82rem; color: #6b7280; flex-wrap: wrap; }
    .breadcrumb a { color: var(--cta); font-weight: 600; transition: var(--transition); }
    .breadcrumb a:hover { color: var(--heading); }
    .breadcrumb .sep { color: var(--muted); font-size: 0.58rem; }
    .breadcrumb .current { color: var(--heading); font-weight: 800; }

    /* ── PAGE HERO ── */
    .page-hero { background: linear-gradient(135deg, var(--dark) 0%, #0d6b62 52%, var(--heading) 100%); padding: 64px 0 72px; position: relative; overflow: hidden; }
    .page-hero::before { content: ''; position: absolute; inset: 0; background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Ccircle cx='40' cy='40' r='2' fill='%23ffffff' fill-opacity='0.022'/%3E%3C/svg%3E"); pointer-events: none; }
    .page-hero::after { content: ''; position: absolute; top: -100px; right: -100px; width: 420px; height: 420px; background: radial-gradient(circle, rgba(211,225,98,0.07) 0%, transparent 70%); pointer-events: none; }
    .page-hero-inner { position: relative; z-index: 1; max-width: 760px; }
    .page-hero-pill { display: inline-flex; align-items: center; gap: 8px; background: rgba(211,225,98,0.16); border: 1px solid rgba(211,225,98,0.35); color: var(--lime); font-size: 0.78rem; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; padding: 6px 16px; border-radius: 100px; margin-bottom: 20px; }
    .page-hero h1 { font-size: clamp(1.9rem,3.8vw,2.8rem); font-weight: 900; color: var(--white); letter-spacing: -0.026em; line-height: 1.12; margin-bottom: 16px; }
    .page-hero h1 span { color: var(--lime); }
    .page-hero-sub { font-size: 1rem; color: rgba(255,255,255,0.80); line-height: 1.72; margin-bottom: 28px; max-width: 620px; }
    .page-hero-meta { display: flex; flex-wrap: wrap; gap: 20px; }
    .phm-item { display: flex; align-items: center; gap: 8px; font-size: 0.82rem; color: rgba(255,255,255,0.75); }
    .phm-item i { color: var(--lime); font-size: 0.75rem; }

    /* ── TRUST BAR ── */
    .trust-bar { background: var(--white); border-bottom: 3px solid var(--lime); padding: 0; }
    .trust-bar-inner { display: grid; grid-template-columns: repeat(4,1fr); }
    .tb-stat { text-align: center; padding: 20px 16px; border-right: 1px solid rgba(9,93,64,0.10); }
    .tb-stat:last-child { border-right: none; }
    .tb-stat-icon { width: 38px; height: 38px; border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 0.90rem; margin: 0 auto 8px; }
    .tb-stat strong { display: block; font-size: 0.92rem; font-weight: 900; color: var(--heading); margin-bottom: 2px; }
    .tb-stat span { font-size: 0.74rem; color: var(--muted); }

    /* ── MAIN POLICY LAYOUT ── */
    .policy-section { padding: 72px 0 80px; }
    .policy-layout { display: grid; grid-template-columns: 260px 1fr; gap: 48px; align-items: start; }

    /* ── STICKY SIDEBAR ── */
    .policy-sidebar { position: sticky; top: 90px; display: flex; flex-direction: column; gap: 16px; }
    .toc-card { background: var(--white); border-radius: var(--radius-lg); border: 1.5px solid rgba(9,93,64,0.10); box-shadow: var(--shadow); overflow: hidden; }
    .toc-head { background: var(--heading); padding: 14px 18px; font-size: 0.80rem; font-weight: 900; color: var(--lime); display: flex; align-items: center; gap: 8px; text-transform: uppercase; letter-spacing: 0.06em; }
    .toc-body { padding: 14px 0; }
    .toc-link { display: flex; align-items: center; gap: 9px; padding: 9px 18px; font-size: 0.82rem; font-weight: 700; color: var(--muted); transition: var(--transition); cursor: pointer; border-left: 3px solid transparent; }
    .toc-link:hover, .toc-link.active { color: var(--cta); background: rgba(0,128,96,0.05); border-left-color: var(--cta); }
    .toc-link i { font-size: 0.68rem; color: var(--cta); opacity: 0.70; flex-shrink: 0; }
    .toc-num { font-size: 0.70rem; font-weight: 900; color: var(--muted); opacity: 0.60; margin-left: auto; }

    /* Sidebar Contact Card */
    .sidebar-contact { background: var(--white); border-radius: var(--radius-lg); border: 1.5px solid rgba(9,93,64,0.10); box-shadow: var(--shadow); overflow: hidden; }
    .sc-head { background: var(--heading); padding: 14px 18px; font-size: 0.80rem; font-weight: 900; color: var(--lime); display: flex; align-items: center; gap: 8px; }
    .sc-body { padding: 18px; display: flex; flex-direction: column; gap: 10px; }
    .sc-contact-item { display: flex; align-items: center; gap: 10px; }
    .sc-ci-icon { width: 34px; height: 34px; border-radius: 9px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: 0.80rem; }
    .sc-ci-text strong { display: block; font-size: 0.80rem; font-weight: 800; color: var(--heading); margin-bottom: 1px; }
    .sc-ci-text span { font-size: 0.70rem; color: var(--muted); }
    .sc-cta { display: flex; align-items: center; justify-content: center; gap: 7px; background: var(--cta); color: var(--white); font-size: 0.86rem; font-weight: 900; padding: 11px; border-radius: 10px; margin-top: 6px; transition: var(--transition); }
    .sc-cta:hover { background: var(--heading); }

    /* Last Updated Card */
    .sidebar-updated { background: var(--alt); border-radius: var(--radius-lg); border: 1.5px solid rgba(9,93,64,0.10); padding: 16px 18px; display: flex; align-items: flex-start; gap: 10px; }
    .su-icon { width: 34px; height: 34px; border-radius: 9px; background: rgba(0,128,96,0.12); flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: 0.80rem; color: var(--cta); }
    .su-text strong { display: block; font-size: 0.80rem; font-weight: 900; color: var(--heading); margin-bottom: 2px; }
    .su-text span { font-size: 0.72rem; color: var(--muted); }

    /* ── POLICY CONTENT ── */
    .policy-content { display: flex; flex-direction: column; gap: 0; }

    /* Policy Section Block */
    .ps-block { background: var(--white); border-radius: var(--radius-lg); border: 1.5px solid rgba(9,93,64,0.09); box-shadow: var(--shadow); overflow: hidden; margin-bottom: 20px; scroll-margin-top: 100px; }
    .ps-block:last-child { margin-bottom: 0; }
    .ps-block-head { background: linear-gradient(135deg, var(--heading), var(--dark)); padding: 20px 28px; display: flex; align-items: center; gap: 14px; }
    .ps-block-icon { width: 42px; height: 42px; border-radius: 11px; background: rgba(211,225,98,0.18); display: flex; align-items: center; justify-content: center; font-size: 1rem; color: var(--lime); flex-shrink: 0; }
    .ps-block-title { flex: 1; }
    .ps-block-title h2 { font-size: 1rem; font-weight: 900; color: var(--white); margin-bottom: 2px; }
    .ps-block-title p { font-size: 0.76rem; color: rgba(255,255,255,0.68); margin: 0; }
    .ps-block-num { font-size: 0.72rem; font-weight: 900; color: rgba(211,225,98,0.50); letter-spacing: 0.06em; }
    .ps-block-body { padding: 26px 28px; }
    .ps-block-body p { font-size: 0.92rem; color: var(--text); line-height: 1.78; margin-bottom: 14px; }
    .ps-block-body p:last-child { margin-bottom: 0; }
    .ps-block-body strong { color: var(--heading); font-weight: 800; }
    .ps-block-body h3 { font-size: 0.92rem; font-weight: 900; color: var(--heading); margin: 20px 0 10px; display: flex; align-items: center; gap: 8px; }
    .ps-block-body h3::before { content: ''; width: 4px; height: 16px; background: var(--cta); border-radius: 2px; display: inline-block; flex-shrink: 0; }

    /* Policy Lists */
    .policy-list { list-style: none; display: flex; flex-direction: column; gap: 8px; margin-bottom: 14px; }
    .policy-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 0.90rem; color: var(--text); line-height: 1.65; }
    .policy-list li i { font-size: 0.68rem; flex-shrink: 0; margin-top: 5px; }
    .policy-list li i.check { color: var(--cta); }
    .policy-list li i.cross { color: #ef4444; }
    .policy-list li i.info  { color: #f59e0b; }
    .policy-list li i.arrow { color: var(--accent); }

    /* Callout Boxes */
    .callout { border-radius: var(--radius); padding: 16px 18px; margin-bottom: 16px; display: flex; align-items: flex-start; gap: 12px; }
    .callout.green  { background: rgba(0,128,96,0.08); border: 1px solid rgba(0,128,96,0.20); }
    .callout.yellow { background: rgba(245,158,11,0.08); border: 1px solid rgba(245,158,11,0.22); }
    .callout.red    { background: rgba(239,68,68,0.07); border: 1px solid rgba(239,68,68,0.18); }
    .callout.lime   { background: rgba(211,225,98,0.22); border: 1px solid rgba(211,225,98,0.40); }
    .callout-icon { font-size: 0.92rem; flex-shrink: 0; margin-top: 1px; }
    .callout.green  .callout-icon { color: var(--cta); }
    .callout.yellow .callout-icon { color: #d97706; }
    .callout.red    .callout-icon { color: #dc2626; }
    .callout.lime   .callout-icon { color: var(--heading); }
    .callout-text p { font-size: 0.87rem; color: var(--text); line-height: 1.65; margin: 0; }
    .callout-text strong { color: var(--heading); }

    /* Service Type Table */
    .policy-table-wrap { overflow-x: auto; margin-bottom: 14px; border-radius: var(--radius); box-shadow: var(--shadow); }
    .policy-table { width: 100%; border-collapse: collapse; background: var(--white); }
    .policy-table thead tr { background: var(--heading); }
    .policy-table thead th { padding: 12px 16px; font-size: 0.78rem; font-weight: 900; color: var(--lime); text-align: left; letter-spacing: 0.04em; white-space: nowrap; }
    .policy-table tbody tr { border-bottom: 1px solid var(--alt); transition: var(--transition); }
    .policy-table tbody tr:last-child { border-bottom: none; }
    .policy-table tbody tr:hover { background: rgba(0,128,96,0.03); }
    .policy-table tbody td { padding: 12px 16px; font-size: 0.86rem; color: var(--text); line-height: 1.50; vertical-align: top; }
    .policy-table tbody td:first-child { font-weight: 800; color: var(--heading); }
    .td-badge { display: inline-flex; align-items: center; gap: 5px; font-size: 0.72rem; font-weight: 900; padding: 3px 9px; border-radius: 100px; }
    .td-badge.full    { background: rgba(0,128,96,0.12); color: var(--cta); }
    .td-badge.partial { background: rgba(245,158,11,0.12); color: #d97706; }
    .td-badge.none    { background: rgba(239,68,68,0.10); color: #dc2626; }
    .td-badge.credit  { background: rgba(108,154,64,0.12); color: var(--accent); }

    /* Timeline Steps */
    .timeline { display: flex; flex-direction: column; gap: 0; margin-bottom: 14px; }
    .tl-item { display: flex; gap: 16px; padding-bottom: 20px; position: relative; }
    .tl-item:last-child { padding-bottom: 0; }
    .tl-item::before { content: ''; position: absolute; left: 17px; top: 36px; bottom: 0; width: 2px; background: linear-gradient(180deg, var(--cta), transparent); }
    .tl-item:last-child::before { display: none; }
    .tl-dot { width: 36px; height: 36px; border-radius: 50%; flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: 0.78rem; font-weight: 900; border: 2px solid var(--cta); background: var(--white); color: var(--cta); z-index: 1; }
    .tl-dot.filled { background: var(--cta); color: var(--white); }
    .tl-text h4 { font-size: 0.88rem; font-weight: 900; color: var(--heading); margin-bottom: 4px; }
    .tl-text p  { font-size: 0.84rem; color: var(--muted); line-height: 1.60; margin: 0; }
    .tl-badge { display: inline-flex; align-items: center; gap: 5px; font-size: 0.70rem; font-weight: 900; padding: 2px 9px; border-radius: 100px; margin-top: 6px; }
    .tl-badge.green  { background: rgba(0,128,96,0.12); color: var(--cta); }
    .tl-badge.yellow { background: rgba(245,158,11,0.12); color: #d97706; }
    .tl-badge.red    { background: rgba(239,68,68,0.10); color: #dc2626; }

    /* ── GUARANTEE HIGHLIGHT ── */
    .guarantee-highlight { background: linear-gradient(135deg, var(--dark), var(--heading)); border-radius: var(--radius-lg); padding: 36px; text-align: center; position: relative; overflow: hidden; margin: 0 0 20px; }
    .guarantee-highlight::before { content: ''; position: absolute; inset: 0; background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Ccircle cx='30' cy='30' r='2' fill='%23ffffff' fill-opacity='0.025'/%3E%3C/svg%3E"); pointer-events: none; }
    .gh-inner { position: relative; z-index: 1; }
    .gh-icon { font-size: 2.4rem; margin-bottom: 14px; display: block; }
    .guarantee-highlight h3 { font-size: 1.3rem; font-weight: 900; color: var(--white); margin-bottom: 10px; letter-spacing: -0.018em; }
    .guarantee-highlight h3 span { color: var(--lime); }
    .guarantee-highlight p { font-size: 0.94rem; color: rgba(255,255,255,0.80); line-height: 1.70; max-width: 560px; margin: 0 auto 22px; }
    .gh-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
    .gh-btn-primary { display: inline-flex; align-items: center; gap: 8px; background: var(--lime); color: var(--heading); font-size: 0.92rem; font-weight: 900; padding: 13px 24px; border-radius: 10px; transition: var(--transition); }
    .gh-btn-primary:hover { background: var(--lime-light); transform: translateY(-2px); }
    .gh-btn-ghost { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,0.12); color: var(--white); border: 1.5px solid rgba(255,255,255,0.25); font-size: 0.92rem; font-weight: 800; padding: 13px 24px; border-radius: 10px; transition: var(--transition); }
    .gh-btn-ghost:hover { background: rgba(255,255,255,0.20); }
    .gh-badges { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; margin-top: 18px; }
    .gh-badge { display: flex; align-items: center; gap: 6px; font-size: 0.78rem; color: rgba(255,255,255,0.72); }
    .gh-badge i { color: var(--lime); font-size: 0.72rem; }

    /* ── EFFECTIVE DATE BANNER ── */
    .effective-banner { background: rgba(211,225,98,0.22); border: 1px solid rgba(211,225,98,0.45); border-radius: var(--radius); padding: 14px 18px; display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
    .eb-icon { width: 36px; height: 36px; border-radius: 9px; background: var(--lime); display: flex; align-items: center; justify-content: center; font-size: 0.82rem; color: var(--heading); flex-shrink: 0; }
    .eb-text p { font-size: 0.84rem; color: var(--text); line-height: 1.55; margin: 0; }
    .eb-text strong { color: var(--heading); }

    /* ── CONTACT CTA SECTION ── */
    .contact-cta-section { background: var(--alt); padding: 48px 0; }
    .contact-cta-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
    .ccs-left h2 { font-size: clamp(1.5rem,2.8vw,2.1rem); font-weight: 900; color: var(--heading); letter-spacing: -0.022em; line-height: 1.20; margin-bottom: 12px; }
    .ccs-left p  { font-size: 0.96rem; color: var(--muted); line-height: 1.72; margin-bottom: 24px; }
    .ccs-btns { display: flex; gap: 12px; flex-wrap: wrap; }
    .btn-cta-solid   { display: inline-flex; align-items: center; gap: 8px; background: var(--cta); color: var(--white); font-size: 0.92rem; font-weight: 900; padding: 13px 24px; border-radius: 10px; transition: var(--transition); }
    .btn-cta-solid:hover { background: var(--heading); transform: translateY(-2px); }
    .btn-cta-outline { display: inline-flex; align-items: center; gap: 8px; background: var(--white); color: var(--heading); border: 2px solid rgba(9,93,64,0.18); font-size: 0.92rem; font-weight: 800; padding: 13px 24px; border-radius: 10px; transition: var(--transition); }
    .btn-cta-outline:hover { border-color: var(--cta); color: var(--cta); }
    .ccs-right { display: flex; flex-direction: column; gap: 12px; }
    .ccs-contact-card { background: var(--white); border-radius: var(--radius-lg); border: 1.5px solid rgba(9,93,64,0.09); box-shadow: var(--shadow); padding: 20px; display: flex; align-items: center; gap: 14px; transition: var(--transition); }
    .ccs-contact-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
    .ccc-icon { width: 44px; height: 44px; border-radius: 12px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: 1rem; }
    .ccc-text strong { display: block; font-size: 0.90rem; font-weight: 900; color: var(--heading); margin-bottom: 2px; }
    .ccc-text span   { font-size: 0.80rem; color: var(--muted); }
    .ccc-arrow { margin-left: auto; font-size: 0.78rem; color: var(--cta); flex-shrink: 0; }

    /* ── FOOTER ── */
    .site-footer { background: var(--dark); padding: 60px 0 0; color: rgba(255,255,255,0.70); }
    .footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 36px; margin-bottom: 48px; }
    .footer-logo { font-size: 1.2rem; font-weight: 900; color: var(--white); margin-bottom: 12px; }
    .footer-logo .acc { color: var(--lime); }
    .footer-col p { font-size: 0.86rem; line-height: 1.70; margin-bottom: 18px; }
    .footer-col h4 { font-size: 0.88rem; font-weight: 900; color: var(--white); margin-bottom: 14px; text-transform: uppercase; letter-spacing: 0.06em; }
    .footer-col ul  { list-style: none; display: flex; flex-direction: column; gap: 8px; }
    .footer-col ul a { font-size: 0.84rem; color: rgba(255,255,255,0.65); transition: var(--transition); display: flex; align-items: center; gap: 7px; }
    .footer-col ul a:hover { color: var(--lime); }
    .footer-col ul a i { font-size: 0.72rem; color: var(--lime); opacity: 0.70; }
    .footer-social { display: flex; gap: 10px; margin-bottom: 20px; }
    .footer-social a { width: 36px; height: 36px; border-radius: 9px; background: rgba(255,255,255,0.09); color: rgba(255,255,255,0.70); display: flex; align-items: center; justify-content: center; font-size: 0.82rem; transition: var(--transition); }
    .footer-social a:hover { background: var(--lime); color: var(--heading); }
    .footer-nl-label { font-size: 0.78rem; color: var(--lime); font-weight: 700; margin-bottom: 8px; display: flex; align-items: center; gap: 6px; }
    .footer-nl-row { display: flex; gap: 6px; }
    .footer-nl-row input { flex: 1; padding: 9px 12px; border: 1px solid rgba(255,255,255,0.18); border-radius: 8px; background: rgba(255,255,255,0.09); color: var(--white); font-family: inherit; font-size: 0.84rem; outline: none; }
    .footer-nl-row input::placeholder { color: rgba(255,255,255,0.40); }
    .footer-nl-row button { background: var(--lime); color: var(--heading); border: none; padding: 9px 14px; border-radius: 8px; font-weight: 900; font-size: 0.80rem; cursor: pointer; transition: var(--transition); }
    .footer-nl-row button:hover { background: var(--lime-light); }
    .footer-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 16px; }
    .footer-stat { text-align: center; background: rgba(255,255,255,0.07); border-radius: 9px; padding: 10px; }
    .footer-stat strong { display: block; font-size: 1.1rem; font-weight: 900; color: var(--lime); }
    .footer-stat span { font-size: 0.72rem; color: rgba(255,255,255,0.60); }
    .footer-trust { display: flex; flex-direction: column; gap: 8px; }
    .ft-item { display: flex; align-items: center; gap: 8px; font-size: 0.80rem; }
    .ft-item i { color: var(--lime); }
    .ft-item strong { color: var(--white); }
    .footer-bottom { border-top: 1px solid rgba(255,255,255,0.10); padding: 18px 0; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
    .footer-bottom p { font-size: 0.80rem; color: rgba(255,255,255,0.50); }
    .footer-bottom-links { display: flex; gap: 16px; list-style: none; }
    .footer-bottom-links a { font-size: 0.78rem; color: rgba(255,255,255,0.50); transition: var(--transition); }
    .footer-bottom-links a:hover { color: var(--lime); }

    /* ── RESPONSIVE ── */
    @media (max-width: 1024px) {
      .policy-layout { grid-template-columns: 1fr; }
      .policy-sidebar { position: static; }
      .toc-card { display: none; }
      .contact-cta-grid { grid-template-columns: 1fr; }
      .footer-grid { grid-template-columns: 1fr 1fr; }
      .trust-bar-inner { grid-template-columns: 1fr 1fr; }
    }
    @media (max-width: 768px) {
      .nav-links, .nav-cta-btn { display: none; }
      .nav-toggle { display: block; }
      .trust-bar-inner { grid-template-columns: 1fr 1fr; }
      .footer-grid { grid-template-columns: 1fr; }
      .footer-bottom { flex-direction: column; text-align: center; }
      .footer-bottom-links { flex-wrap: wrap; justify-content: center; }
      .ps-block-body { padding: 20px; }
      .ps-block-head { padding: 16px 20px; }
      .gh-btns { flex-direction: column; align-items: center; }
    }
    @media (max-width: 560px) {
      .trust-bar-inner { grid-template-columns: 1fr; }
      .ccs-btns { flex-direction: column; }
      .policy-table thead th, .policy-table tbody td { padding: 10px 12px; font-size: 0.80rem; }
    }

    /* ── ANIMATIONS ── */
    @keyframes fadeIn { from { opacity:0; transform:translateY(8px); } to { opacity:1; transform:translateY(0); } }
  

/* ── Footer Bottom Bar (shared standard) ── */
.footer__bottom { background: rgb(251,247,237); border-top: none; padding: 0; }
.footer__bottom-inner { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer__copyright { font-size: 13px; color: rgb(0,0,0); margin: 0; font-weight: 600; }
.footer__legal { display: flex; gap: 20px; flex-wrap: wrap; list-style: none; padding: 0; margin: 0; }
.footer__legal li a { font-size: 12px; color: rgb(0,0,0); text-decoration: none; transition: all 0.25s ease; font-weight: 600; }
.footer__legal li a:hover { color: #0D3F3A; }
@media (max-width: 640px) {
  .footer__bottom-inner { flex-direction: column; text-align: center; }
  .footer__legal { justify-content: center; }
}

    /* Fix for fixed nav+announcement bar */
    body { padding-top: 115px; }