/* Shared layout for marketing legal / policy HTML pages (cacheable) */
    :root {
      --primary: #1a3a52;
      --primary-light: #2d5a7b;
      --text: #1a1a1a;
      --text-light: #4a4a4a;
      --text-muted: #7a7a7a;
      --border: #e0e0e0;
      --bg: #ffffff;
      --bg-light: #f8f9fa;
      --shadow: 0 4px 12px rgba(0,0,0,.08);
      --radius-lg: 12px;
    }

    * { box-sizing: border-box; }
    html { scroll-behavior: smooth; }
    body {
      margin: 0;
      font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
      background: var(--bg);
      color: var(--text);
      line-height: 1.6;
    }

    h1, h2, h3, h4 {
      font-family: 'Montserrat', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
      letter-spacing: -0.02em;
    }

    a { color: var(--primary); text-decoration: none; }
    a:hover { text-decoration: underline; }

    .wrap { max-width: 1160px; margin: 0 auto; padding: 0 24px; }

    /* Header */
    header {
      position: sticky;
      top: 0;
      z-index: 100;
      background: var(--bg);
      border-bottom: 1px solid var(--border);
      box-shadow: 0 1px 3px rgba(0,0,0,.05);
    }

    .header-content {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 16px 0;
    }

    .logo {
      display: flex;
      line-height: 1.2;
      align-items: center;
      gap: 12px;
      font-weight: 700;
      font-size: 30px;
      color: var(--primary);
      text-decoration: none;
    }

    .logo img {
      width: 56px;
      height: 56px;
      object-fit: contain;
      flex-shrink: 0;
      background-color: #ffffff;
      border-radius: 8px;
    }

    nav {
      display: flex;
      gap: 32px;
      align-items: center;
    }

    nav a {
      font-size: 14px;
      font-weight: 500;
      color: var(--text);
      transition: color 0.2s;
    }

    nav a:hover {
      color: var(--primary);
      text-decoration: none;
    }

    .nav-item-with-dropdown { position: relative; }
    .nav-dropdown-trigger { font-size: 14px; font-weight: 500; color: var(--text); background: none; border: none; cursor: pointer; font-family: inherit; padding: 0; display: inline-flex; align-items: center; }
    .nav-dropdown-trigger:hover { color: var(--primary); }
    .nav-dropdown-trigger::after { content: ''; border: 5px solid transparent; border-top-color: currentColor; margin-left: 4px; }
    .nav-dropdown-menu { display: none; position: absolute; top: 100%; left: 0; min-width: 200px; background: var(--bg); border: 1px solid var(--border); border-radius: 8px; box-shadow: var(--shadow); padding: 12px 0 8px 0; z-index: 200; }
    .nav-item-with-dropdown:hover .nav-dropdown-menu,
    .nav-item-with-dropdown:focus-within .nav-dropdown-menu { display: block; }
    .nav-dropdown-trigger:focus { outline: 2px solid var(--primary); outline-offset: 2px; }
    .nav-dropdown-menu a { display: block; padding: 10px 20px; font-size: 14px; color: var(--text); text-decoration: none; }
    .nav-dropdown-menu a:hover { background: var(--bg-light); color: var(--primary); }

    .cta-buttons {
      display: flex;
      gap: 12px;
      align-items: center;
    }
    .cta-buttons a:not(.btn) {
      font-size: 14px;
      font-weight: 500;
      color: var(--text);
      text-decoration: none;
      padding: 0;
    }
    .cta-buttons a:not(.btn):hover {
      color: var(--primary);
      text-decoration: none;
    }

    button, .btn {
      padding: 10px 20px;
      border: none;
      border-radius: 6px;
      font-weight: 600;
      cursor: pointer;
      font-family: inherit;
      font-size: 14px;
      transition: all 0.2s;
      text-decoration: none;
      display: inline-block;
    }

    .btn-primary {
      background: var(--primary);
      color: white;
    }

    .btn-primary:hover {
      background: #0d2438;
      text-decoration: none;
    }

    .btn-secondary {
      background: transparent;
      color: var(--primary);
      border: 2px solid var(--primary);
    }

    .btn-secondary:hover {
      background: var(--primary);
      color: white;
      text-decoration: none;
    }

    /* Hero */
    .hero {
      background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
      color: white;
      padding: 60px 0;
      text-align: center;
    }

    .hero h1 {
      font-size: 36px;
      margin: 0 0 16px 0;
      font-weight: 800;
    }

    .hero p {
      font-size: 16px;
      opacity: 0.95;
      margin: 0;
      max-width: 600px;
      margin-left: auto;
      margin-right: auto;
    }

    /* Content */
    section {
      padding: 60px 0;
    }

    h2 {
      font-size: 28px;
      color: var(--primary);
      margin-top: 0;
      margin-bottom: 24px;
    }

    h3 {
      font-size: 30px;
      color: var(--primary);
      margin-top: 32px;
      margin-bottom: 16px;
    }

    p {
      margin: 0 0 16px 0;
      line-height: 1.8;
    }

    ul, ol {
      margin: 0 0 16px 0;
      padding-left: 24px;
      line-height: 1.8;
    }

    li {
      margin-bottom: 8px;
    }

    strong {
      color: var(--primary);
      font-weight: 600;
    }


    table {
      width: 100%;
      border-collapse: collapse;
      margin: 24px 0;
      background: white;
      border-radius: 8px;
      overflow: hidden;
      box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
    }

    th {
      background: var(--primary);
      color: white;
      padding: 16px;
      text-align: left;
      font-weight: 600;
    }

    td {
      padding: 16px;
      border-bottom: 1px solid var(--border);
    }

    tr:nth-child(even) {
      background: var(--bg-light);
    }

    /* Footer */
    footer {
      background: var(--bg-light);
      border-top: 1px solid var(--border);
      padding: 48px 0 24px;
      margin-top: 60px;
    }

    .footer-content {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
      gap: 48px;
      margin-bottom: 48px;
    }

    .footer-col h4 {
      color: var(--primary);
      font-weight: 600;
      margin: 0 0 16px 0;
    }

    .footer-col a {
      display: block;
      font-size: 14px;
      color: var(--text-light);
      margin-bottom: 10px;
      transition: color 0.2s;
    }

    .footer-col a:hover {
      color: var(--primary);
      text-decoration: none;
    }

    .footer-bottom {
      border-top: 1px solid var(--border);
      padding-top: 24px;
      text-align: center;
      color: var(--text-muted);
      font-size: 13px;
    }

    @media (max-width: 768px) {
      nav { gap: 16px; }
      .cta-buttons { flex-direction: column; }
      .hero h1 { font-size: 28px; }
      h2 { font-size: 22px; }
      section { padding: 40px 0; }
      table { font-size: 14px; }
      th, td { padding: 12px; }
    }