*, *::before, *::after { box-sizing:border-box; margin:0; padding:0; }
    :root { --navy:#0f2347; --navy-mid:#162d58; --navy-card:#0f1e40; --navy-border:#1e3260; --gold:#c8972a; --gold-light:#f5c96e; --white:#ffffff; --muted:#8a98b8; --serif:'Cormorant Garamond',Georgia,serif; --sans:'Montserrat',sans-serif; }
    body { background:var(--navy); color:var(--white); font-family:var(--sans); font-size:15px; line-height:1.7; -webkit-font-smoothing:antialiased; }

    nav { position:fixed; top:0; left:0; right:0; z-index:1000; padding:1.4rem 4rem; display:flex; align-items:center; justify-content:space-between; background:rgba(15,35,71,.92); backdrop-filter:blur(16px); border-bottom:1px solid rgba(200,151,42,.1); }
    .nav-logo img { height:50px; width:auto; object-fit:contain; }
    .nav-links { display:flex; gap:2rem; list-style:none; }
    .nav-links a { color:rgba(255,255,255,.75); text-decoration:none; font-size:.68rem; font-weight:500; letter-spacing:.15em; text-transform:uppercase; transition:color .2s; }
    .nav-links a:hover { color:var(--gold-light); }
    .nav-cta { background:transparent; border:1px solid var(--gold); color:var(--gold-light); padding:.6rem 1.5rem; font-family:var(--sans); font-size:.65rem; font-weight:500; letter-spacing:.14em; text-transform:uppercase; transition:all .3s; text-decoration:none; }
    .nav-cta:hover { background:var(--gold); color:var(--navy); }

    .page-hero { margin-top:80px; padding:64px 80px 48px; border-bottom:1px solid var(--navy-border); }
    .page-tag { font-size:.65rem; font-weight:500; letter-spacing:.22em; text-transform:uppercase; color:var(--gold); margin-bottom:14px; display:inline-block; }
    .page-hero h1 { font-family:var(--serif); font-size:clamp(32px,4vw,54px); font-weight:300; line-height:1.1; margin-bottom:16px; }
    .page-hero h1 em { font-style:italic; color:var(--gold-light); }
    .page-hero p { font-size:.85rem; color:var(--muted); max-width:600px; line-height:1.85; }

    .content { max-width:900px; margin:0 auto; padding:64px 80px; }

    /* Section headings */
    .section-title { font-family:var(--serif); font-size:26px; font-weight:300; color:var(--gold-light); margin:52px 0 20px; padding-bottom:12px; border-bottom:1px solid var(--navy-border); }
    .section-title:first-child { margin-top:0; }

    /* Policy cards */
    .policy-card { background:var(--navy-card); border:1px solid var(--navy-border); padding:28px 32px; margin-bottom:2px; }
    .policy-card h3 { font-size:.72rem; font-weight:600; letter-spacing:.14em; text-transform:uppercase; color:var(--gold); margin-bottom:10px; }
    .policy-card p { font-size:.84rem; color:rgba(255,255,255,.82); line-height:1.85; }
    .policy-card p + p { margin-top:10px; }

    /* Key figures */
    .figures-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(180px,1fr)); gap:2px; margin-bottom:2px; }
    .figure-box { background:var(--navy-card); border:1px solid var(--navy-border); padding:24px 20px; text-align:center; }
    .figure-box .fig-val { font-family:var(--serif); font-size:32px; color:var(--gold-light); font-weight:300; line-height:1; margin-bottom:6px; }
    .figure-box .fig-label { font-size:.67rem; font-weight:500; letter-spacing:.14em; text-transform:uppercase; color:var(--muted); }

    /* Cancellation table */
    .cancel-table { width:100%; border-collapse:collapse; margin-top:16px; }
    .cancel-table th { background:rgba(200,151,42,.12); font-size:.68rem; font-weight:600; letter-spacing:.12em; text-transform:uppercase; color:var(--gold); padding:12px 20px; text-align:left; border:1px solid var(--navy-border); }
    .cancel-table td { font-size:.82rem; color:rgba(255,255,255,.82); padding:12px 20px; border:1px solid var(--navy-border); background:var(--navy-card); }
    .cancel-table tr:hover td { background:rgba(200,151,42,.04); }
    .fee-high { color:#ff6b6b; font-weight:500; }
    .fee-mid { color:#ffd166; font-weight:500; }
    .fee-low { color:#a8dadc; font-weight:500; }

    /* FOC table */
    .foc-table { width:100%; border-collapse:collapse; margin-top:16px; }
    .foc-table th { background:rgba(200,151,42,.12); font-size:.68rem; font-weight:600; letter-spacing:.12em; text-transform:uppercase; color:var(--gold); padding:12px 20px; text-align:left; border:1px solid var(--navy-border); }
    .foc-table td { font-size:.82rem; color:rgba(255,255,255,.82); padding:12px 20px; border:1px solid var(--navy-border); background:var(--navy-card); }

    /* Payment timeline */
    .timeline { display:flex; flex-direction:column; gap:2px; margin-top:16px; }
    .timeline-item { display:grid; grid-template-columns:140px 1fr; background:var(--navy-card); border:1px solid var(--navy-border); }
    .timeline-when { background:rgba(200,151,42,.1); padding:20px 24px; display:flex; align-items:center; font-family:var(--serif); font-size:20px; color:var(--gold); font-weight:300; border-right:1px solid var(--navy-border); }
    .timeline-what { padding:20px 28px; }
    .timeline-what strong { display:block; font-size:.78rem; font-weight:600; letter-spacing:.1em; text-transform:uppercase; color:var(--white); margin-bottom:4px; }
    .timeline-what span { font-size:.82rem; color:var(--muted); }

    /* Docs list */
    .doc-list { list-style:none; display:grid; grid-template-columns:1fr 1fr; gap:2px; margin-top:16px; }
    .doc-list li { background:var(--navy-card); border:1px solid var(--navy-border); padding:16px 20px; font-size:.82rem; color:rgba(255,255,255,.82); padding-left:40px; position:relative; }
    .doc-list li::before { content:''; position:absolute; left:18px; top:50%; transform:translateY(-50%); width:8px; height:8px; border:1px solid var(--gold); border-radius:50%; }

    /* Notice */
    .notice { background:rgba(200,151,42,.08); border:1px solid rgba(200,151,42,.25); padding:20px 28px; margin:12px 0; }
    .notice p { font-size:.82rem; color:var(--muted); line-height:1.8; }
    .notice strong { color:var(--gold-light); }

    /* Example box */
    .example-box { background:rgba(22,45,88,.6); border:1px solid var(--navy-border); border-left:3px solid var(--gold); padding:24px 28px; margin-top:16px; }
    .example-box p { font-size:.82rem; color:var(--muted); line-height:1.9; }
    .example-box strong { color:var(--white); }

    .print-btn { display:inline-flex; align-items:center; gap:10px; margin-top:48px; font-size:.68rem; font-weight:500; letter-spacing:.14em; text-transform:uppercase; color:var(--gold); border:1px solid rgba(200,151,42,.35); padding:.7rem 1.6rem; cursor:pointer; background:none; transition:all .25s; }
    .print-btn:hover { background:rgba(200,151,42,.08); border-color:var(--gold); }

    footer { border-top:1px solid var(--navy-border); padding:40px 80px; display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:20px; margin-top:40px; }
    footer p { font-size:.75rem; color:var(--muted); }
    footer nav { display:flex; gap:24px; }
    footer nav a { font-size:.72rem; color:var(--muted); text-decoration:none; letter-spacing:.1em; text-transform:uppercase; }
    footer nav a:hover { color:var(--gold); }

    @media(max-width:768px) {
      nav { padding:1rem 1.5rem; } .nav-links { display:none; }
      .page-hero { padding:40px 24px 32px; } .content { padding:40px 24px; }
      .doc-list { grid-template-columns:1fr; }
      .timeline-item { grid-template-columns:1fr; }
      .timeline-when { border-right:none; border-bottom:1px solid var(--navy-border); }
      footer { padding:32px 24px; }
    }
  
  .nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:.4rem;flex-direction:column;gap:5px;z-index:1001;position:relative}
  .nav-toggle span{display:block;width:24px;height:2px;background:var(--gold-light,#f5c96e);transition:all .3s}
  .nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .nav-toggle.open span:nth-child(2){opacity:0}
  .nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .nav-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:999}
  .nav-overlay.open{display:block}
  @media(max-width:768px){
    .nav-toggle{display:flex}
    .nav-links{display:none !important;position:fixed;top:0;right:0;bottom:0;width:78vw;max-width:320px;background:var(--navy,#0f2347);flex-direction:column;align-items:flex-start;justify-content:flex-start;gap:0;padding:6rem 2rem 2rem;box-shadow:-8px 0 40px rgba(0,0,0,.5);overflow-y:auto;z-index:1000}
    .nav-links.mobile-open{display:flex !important}
    .nav-links li{list-style:none;width:100%}
    .nav-links a{display:block;width:100%;padding:.9rem 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:.78rem}
  }