*{box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{margin:0;font-family:Inter,Roboto,'Open Sans','Helvetica Neue',sans-serif;color:#1A202C;background:#FFFFFF;-webkit-font-smoothing:antialiased}
  a{color:#133861;text-decoration:none}
  a:hover{color:#0d2846}
  img{display:block;max-width:100%}
  h1,h2,h3,p{margin:0;text-wrap:pretty}
  ::selection{background:#2EBCCA;color:#133861}
  .ms-drop-menu{position:absolute;top:100%;left:0;padding-top:16px;opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .16s,transform .16s,visibility .16s;z-index:60}
  .ms-drop:hover .ms-drop-menu,.ms-drop:focus-within .ms-drop-menu{opacity:1;visibility:visible;transform:none}
  .legal-body h2{font-size:26px;font-weight:800;color:#133861;letter-spacing:-.01em;line-height:1.2;margin:52px 0 18px;scroll-margin-top:110px}
  .legal-body h2:first-of-type{margin-top:0}
  .legal-body p{font-size:16px;color:#334155;line-height:1.75;margin:0 0 16px}
  .legal-body ul{margin:0 0 16px;padding-left:22px}
  .legal-body li{font-size:16px;color:#334155;line-height:1.75;margin-bottom:10px}
  .legal-body strong{color:#133861}
  .legal-body code{background:#F1F5F9;border:1px solid #e2e8f0;border-radius:4px;padding:1px 6px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:13px;color:#133861}
  .placeholder{background:#FEF3C7;color:#92400E;border-radius:4px;padding:1px 6px;font-weight:600;white-space:nowrap}
  .callout{background:#F1F5F9;border-left:4px solid #2EBCCA;border-radius:0 10px 10px 0;padding:20px 24px;margin:24px 0 28px}
  .callout p{margin:0}
  .toc a{display:block;font-size:14px;color:#475569;line-height:1.5;padding:7px 0 7px 14px;border-left:2px solid #e2e8f0;transition:color .15s,border-color .15s}
  .toc a:hover{color:#133861;border-color:#2EBCCA}
  @media(max-width:1000px){
    [data-nav]{display:none !important}
    [data-legal-grid]{grid-template-columns:1fr !important}
    [data-toc]{position:static !important;margin-bottom:36px}
    [data-foot-grid]{grid-template-columns:1fr 1fr !important;gap:32px !important}
    [data-page-hero] h1{font-size:34px !important}
  }
  @media(max-width:560px){
    [data-foot-grid]{grid-template-columns:1fr !important}
  }
  .lm-burger{display:none;background:none;border:none;cursor:pointer;padding:8px}
  .lm-menu{display:none;flex-direction:column;background:#F1F5F9;border-top:1px solid #e2e8f0;padding:8px 32px 20px}
  .lm-acc{display:flex;align-items:center;justify-content:space-between;background:none;border:none;cursor:pointer;color:#133861;font-size:16px;font-weight:500;padding:14px 0;font-family:inherit;text-align:left;width:100%}
  .lm-sub{display:none;flex-direction:column;padding:0 0 10px 14px;gap:2px}
  .lm-sub a{color:#475569;font-size:15px;font-weight:500;padding:9px 0}
  .lm-link{color:#133861;font-size:16px;font-weight:500;padding:14px 0}
  .lm-cta{background:#2EBCCA;color:#133861;font-size:16px;font-weight:700;padding:14px;border-radius:6px;text-align:center;margin-top:8px}
  @media(max-width:1000px){.lm-burger{display:block}}

.msc-hidden{display:none !important}.msc *{box-sizing:border-box}.msc button{font-family:inherit}.msc-banner{position:fixed;left:0;right:0;bottom:0;z-index:2147483000;background:#133861;color:#fff;box-shadow:0 -8px 30px -12px rgba(0,0,0,.5);padding:20px 24px}.msc-banner-in{max-width:1240px;margin:0 auto;display:flex;align-items:center;gap:28px;flex-wrap:wrap}.msc-banner-txt{flex:1;min-width:260px;font-size:14.5px;line-height:1.55;color:rgba(255,255,255,.9)}.msc-banner-txt a{color:#fff;text-decoration:underline;text-underline-offset:2px;font-weight:600}.msc-banner-actions{display:flex;align-items:center;gap:14px;flex-wrap:wrap}.msc-prefs-link{background:none;border:none;color:#fff;text-decoration:underline;text-underline-offset:2px;font-size:14.5px;font-weight:500;cursor:pointer;padding:6px 4px}.msc-btn{font-size:15px;font-weight:700;padding:13px 26px;border-radius:8px;cursor:pointer;border:2px solid transparent;line-height:1}.msc-btn-fill{background:#2EBCCA;color:#133861;border-color:#2EBCCA}.msc-btn-fill:hover{background:#26a7b4;border-color:#26a7b4}.msc-btn-outline{background:transparent;color:#fff;border-color:#fff}.msc-btn-outline:hover{background:rgba(255,255,255,.12)}@media(max-width:640px){.msc-banner-in{flex-direction:column;align-items:stretch;gap:16px}.msc-banner-actions{flex-direction:column;align-items:stretch}.msc-banner-actions .msc-btn{width:100%;padding:15px 26px}.msc-prefs-link{order:3;padding:8px 4px}}.msc-overlay{position:fixed;inset:0;z-index:2147483200;background:rgba(10,20,35,.6);display:flex;align-items:center;justify-content:center;padding:24px}.msc-modal{background:#fff;border-radius:16px;width:100%;max-width:600px;max-height:88vh;display:flex;flex-direction:column;overflow:hidden;box-shadow:0 30px 70px -20px rgba(10,20,35,.55)}.msc-modal-head{padding:28px 30px 18px;border-bottom:1px solid #e2e8f0;position:relative}.msc-modal-head h2{margin:0;font-size:22px;font-weight:800;letter-spacing:-.01em;color:#133861}.msc-modal-head p{margin:10px 0 0;font-size:14.5px;line-height:1.6;color:#576478;max-width:92%}.msc-close{position:absolute;top:20px;right:20px;width:38px;height:38px;border-radius:9px;border:1px solid #e2e8f0;background:#fff;cursor:pointer;display:flex;align-items:center;justify-content:center;color:#133861}.msc-close:hover{background:#F1F5F9}.msc-list{overflow-y:auto;padding:8px 30px;flex:1}.msc-row{padding:22px 0;border-bottom:1px solid #eef2f6}.msc-row:last-child{border-bottom:none}.msc-row-top{display:flex;align-items:flex-start;gap:16px}.msc-row-main{flex:1;min-width:0}.msc-row-name{font-size:16px;font-weight:700;color:#133861;display:flex;align-items:center;gap:10px;flex-wrap:wrap}.msc-tag{font-size:11.5px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:#576478;background:#F1F5F9;border-radius:20px;padding:3px 10px}.msc-row-desc{font-size:14px;line-height:1.6;color:#475569;margin-top:8px}.msc-more{background:none;border:none;padding:8px 0 0;color:#133861;font-size:13.5px;font-weight:700;cursor:pointer;text-decoration:underline;text-underline-offset:2px}.msc-detail{margin-top:12px;background:#F8FAFC;border:1px solid #e2e8f0;border-radius:10px;padding:14px 16px;font-size:13px;line-height:1.6;color:#475569}.msc-detail strong{color:#133861}.msc-switch{flex-shrink:0;width:50px;height:28px;border-radius:20px;border:none;background:#949599;position:relative;cursor:pointer;transition:background .18s;padding:0;margin-top:2px}.msc-switch::after{content:'';position:absolute;top:3px;left:3px;width:22px;height:22px;border-radius:50%;background:#fff;transition:transform .18s;box-shadow:0 1px 3px rgba(0,0,0,.3)}.msc-switch[aria-checked='true']{background:#2EBCCA}.msc-switch[aria-checked='true']::after{transform:translateX(22px)}.msc-switch[data-locked='true']{cursor:not-allowed;opacity:.7}.msc-lock{display:inline-flex;align-items:center;gap:5px;font-size:11.5px;font-weight:600;color:#94a3b8;margin-top:6px}.msc-modal-foot{padding:18px 30px;border-top:1px solid #e2e8f0;display:flex;gap:14px;justify-content:flex-end;flex-wrap:wrap;background:#fff}.msc-btn-navy{background:#133861;color:#fff;border-color:#133861}.msc-btn-navy:hover{background:#0d2846}.msc-btn-ghost{background:#fff;color:#133861;border-color:#cbd5e1}.msc-btn-ghost:hover{background:#F1F5F9}@media(max-width:560px){.msc-modal-foot{flex-direction:column}.msc-modal-foot .msc-btn{width:100%}.msc-list{padding:8px 20px}.msc-modal-head{padding:24px 20px 16px}}.msc-fab{position:fixed;left:22px;bottom:22px;z-index:2147483000;width:52px;height:52px;border-radius:50%;background:#133861;border:none;cursor:pointer;display:flex;align-items:center;justify-content:center;box-shadow:0 8px 24px -8px rgba(10,20,35,.6)}.msc-fab:hover{background:#0d2846}.msc *:focus-visible{outline:3px solid #2EBCCA;outline-offset:2px}