:root{
      --navy:#0a2540; --green:#079b27; --ink:#1f2a35; --muted:#6b7280;
      --btn-grad:linear-gradient(90deg,#02b84e,#75f173);
      --brand-grad:linear-gradient(45deg,#0a2540,#079b27)
    }
    html,body{font-family:Poppins, sans-serif;color:var(--ink);scroll-behavior:smooth}
    a{text-decoration:none}
    .topbar{background:var(--navy);color:#fff;font-size:.9rem}
    .topbar a{color:#fff}
    .navbar{backdrop-filter:saturate(140%) blur(8px);box-shadow:0 8px 28px rgba(0,0,0,.08)}
    .brand-gradient{background:var(--brand-grad);-webkit-background-clip:text;-webkit-text-fill-color:transparent}
    .brand-logo{height:38px;width:auto}
    @media (min-width:992px){.brand-logo{height:44px}}

    .btn-brand{position:relative;overflow:hidden;background:var(--btn-grad);border:0;color:#001b0a;font-weight:800;box-shadow:0 10px 25px rgba(2,174,64,.25)}
    .btn-brand::after{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent,rgba(255,255,255,.4),transparent);transform:translateX(-150%);transition:transform .6s ease}
    .btn-brand:hover::after{transform:translateX(150%)}
    .btn-outline-brand{border:2px solid var(--green);color:var(--green);font-weight:700}
    .btn-outline-brand:hover{background:var(--green);color:#fff}
    .ripple{position:relative;overflow:hidden}
    .ripple span{position:absolute;border-radius:50%;transform:scale(0);animation:ripple .6s linear;background:rgba(255,255,255,.5)}
    @keyframes ripple{to{transform:scale(4);opacity:0}}

    .scrollbar{position:fixed;top:0;left:0;height:4px;background:linear-gradient(90deg,#27e271,#00b34e);width:0;z-index:1200}

    /* Hero */
    .hero{position:relative;min-height:clamp(420px,56svh,640px);display:flex;align-items:center;color:#fff;overflow:hidden}
    .hero .bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transform:scale(1.06);filter:brightness(.85)}
    .hero::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,37,64,.55),rgba(10,37,64,.9))}
    .hero .content{position:relative;z-index:2}
    .hero h1{font-weight:800;line-height:1.08;animation:fadeUp .9s ease both .15s}
    .hero p.lead{animation:fadeUp .9s ease both .28s}
    @keyframes fadeUp{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}

    /* Body */
    .reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease, transform .7s ease}
    .reveal.in{opacity:1;transform:translateY(0)}
    .doc{border:0;border-radius:16px;box-shadow:0 12px 26px rgba(0,0,0,.06);background:#fff}
    .doc h5{font-weight:700}
    .muted{color:var(--muted)}
    .anchor{scroll-margin-top:110px}
    .toc a{color:#0a2540}
    .toc a:hover{text-decoration:underline}
    .badge-sec{background:#f1fff5;border:1px solid #ccf3d7;color:#0d8b32;border-radius:999px}
    .small-muted{font-size:.9rem;color:#6b7280}
    .hr-soft{border:0;border-top:1px dashed #e5efe9}
    .callout{background:#f6fff8;border:1px solid #daf3e3;border-radius:12px}
    .table-policy td, .table-policy th{vertical-align:middle}