:root{
  --maroon:#6d1f2b;
  --maroon-dark:#4c141d;
  --cream:#f6f1e7;
  --paper:#fffdf9;
  --ink:#26221d;
  --ink-soft:#57504a;
  --gold:#a97e3c;
  --sage:#4d5f52;
  --line:#e4dbc9;
  --radius:2px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}

body{
  margin:0;
  background:var(--cream);
  color:var(--ink);
  font-family:"Source Sans 3","Inter",system-ui,-apple-system,sans-serif;
  font-size:16px;
  line-height:1.6;
}

h1,h2,h3,.crest-name{
  font-family:"Source Serif 4","Lora",Georgia,serif;
}

a{color:var(--maroon-dark);}

/* ---------- Top bar ---------- */
.topbar{
  background:var(--maroon);
  color:#f3ece0;
  border-bottom:3px solid var(--gold);
}
.topbar-inner{
  max-width:1120px;
  margin:0 auto;
  padding:14px 20px;
  display:flex;
  align-items:center;
  gap:14px;
}
.crest{
  width:46px;
  height:46px;
  flex:0 0 46px;
  border-radius:50%;
  background:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  padding:4px;
  box-shadow:0 0 0 2px var(--gold);
}
.crest img{
  width:100%;
  height:100%;
  object-fit:contain;
  display:block;
}
.crest-text{display:flex; flex-direction:column; line-height:1.25;}
.crest-name{font-size:1.15rem; font-weight:600; color:#fff;}
.crest-sub{font-size:0.78rem; color:#d9c9a8;}

/* ---------- Policy nav (tabs) ---------- */
.policy-nav{
  background:var(--maroon-dark);
}
.policy-nav-inner{
  max-width:1120px;
  margin:0 auto;
  display:flex;
  overflow-x:auto;
  scrollbar-width:none;
}
.policy-nav-inner::-webkit-scrollbar{display:none;}
.policy-nav a{
  flex:0 0 auto;
  padding:12px 18px;
  color:#d9c9a8;
  text-decoration:none;
  font-size:0.92rem;
  white-space:nowrap;
  border-bottom:3px solid transparent;
}
.policy-nav a:hover{color:#fff;}
.policy-nav a.active{
  color:#fff;
  border-bottom-color:var(--gold);
  background:rgba(255,255,255,0.04);
}

/* ---------- Layout ---------- */
.wrap{
  max-width:1120px;
  margin:0 auto;
  padding:40px 20px 80px;
  display:grid;
  grid-template-columns:220px 1fr;
  gap:48px;
}

.side{position:sticky; top:24px; align-self:start;}
.side h4{
  margin:0 0 10px;
  font-size:0.78rem;
  letter-spacing:0.02em;
  color:var(--ink-soft);
  font-weight:600;
}
.side ol{list-style:none; margin:0; padding:0; counter-reset:s;}
.side li{counter-increment:s; margin-bottom:8px;}
.side a{
  display:flex;
  gap:10px;
  text-decoration:none;
  color:var(--ink-soft);
  font-size:0.88rem;
  padding:5px 0;
}
.side a::before{
  content:counter(s);
  flex:0 0 20px;
  height:20px;
  border-radius:50%;
  border:1px solid var(--line);
  color:var(--ink-soft);
  font-size:0.72rem;
  display:flex;
  align-items:center;
  justify-content:center;
}
.side a:hover, .side a.active{color:var(--maroon);}
.side a.active::before{border-color:var(--maroon); color:var(--maroon); background:#fdf6ea;}

.content{min-width:0;}

.hero{
  padding-bottom:22px;
  margin-bottom:28px;
  border-bottom:1px solid var(--line);
}
.hero .kicker{
  color:var(--sage);
  font-size:0.85rem;
  margin:0 0 8px;
}
.hero h1{
  font-size:2.1rem;
  margin:0 0 10px;
  color:var(--maroon-dark);
  line-height:1.2;
}
.hero p{
  color:var(--ink-soft);
  max-width:60ch;
  margin:0;
}
.updated{
  display:inline-block;
  margin-top:14px;
  font-size:0.8rem;
  color:var(--ink-soft);
  background:var(--paper);
  border:1px solid var(--line);
  padding:4px 10px;
  border-radius:20px;
}

section.clause{
  margin-bottom:34px;
  scroll-margin-top:90px;
}
section.clause h2{
  font-size:1.28rem;
  color:var(--maroon-dark);
  margin:0 0 4px;
  display:flex;
  align-items:baseline;
  gap:10px;
}
section.clause h2 .num{
  font-family:"Source Sans 3",sans-serif;
  font-size:0.85rem;
  color:var(--gold);
  font-weight:700;
}
section.clause p{margin:10px 0; color:var(--ink);}
section.clause ul, section.clause ol.rules{
  margin:10px 0;
  padding-left:1.2em;
}
section.clause li{margin-bottom:7px;}

.callout{
  background:var(--paper);
  border:1px solid var(--line);
  border-left:4px solid var(--maroon);
  padding:14px 18px;
  border-radius:var(--radius);
  margin:14px 0;
  font-size:0.95rem;
}
.callout.gold{border-left-color:var(--gold);}
.callout strong{color:var(--maroon-dark);}

table.fees{
  width:100%;
  border-collapse:collapse;
  margin:12px 0;
  font-size:0.93rem;
}
table.fees th, table.fees td{
  border:1px solid var(--line);
  padding:9px 12px;
  text-align:left;
}
table.fees th{background:var(--paper); color:var(--maroon-dark);}

footer{
  background:var(--maroon-dark);
  color:#cbb98f;
  padding:26px 20px;
  font-size:0.85rem;
}
footer .footer-inner{
  max-width:1120px;
  margin:0 auto;
  display:flex;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:10px;
}
footer a{color:#e9dcc0;}

/* ---------- Mobile ---------- */
@media (max-width: 820px){
  .wrap{grid-template-columns:1fr; padding:24px 16px 60px;}
  .side{
    position:static;
    order:2;
    border-top:1px solid var(--line);
    padding-top:18px;
    margin-top:6px;
  }
  .side ol{display:flex; flex-wrap:wrap; gap:6px 14px;}
  .side li{margin-bottom:0;}
  .content{order:1;}
  .hero h1{font-size:1.6rem;}
  .crest-sub{display:none;}
}