:root {
            --navy: #1a3267;
            --navy-deep: #0f1d3d;
            --gold: #f4b41a;
            --gold-dark: #c9930f;
            --cream: #fdf8f0;
            --white: #ffffff;
            --charcoal: #1a1a1a;
            --gray: #6b7280;
            --gray-light: #f3f4f6;
        }
        
        * { margin: 0; padding: 0; box-sizing: border-box; }
        body {
            font-family: 'Cormorant Garamond', Georgia, serif;
            color: var(--charcoal);
            line-height: 1.6;
        }
        
        .nav {
            position: fixed;
            top: 0; left: 0; right: 0;
            z-index: 1000;
            padding: 20px 40px;
            display: flex;
            justify-content: space-between;
            align-items: center;
            background: rgba(255,255,255,0.98);
            box-shadow: 0 2px 20px rgba(0,0,0,0.08);
        }
        .nav-logo img { height: 36px; }
        .nav-links { display: flex; gap: 32px; align-items: center; }
        .nav-links a {
            font-family: 'Montserrat', sans-serif;
            font-size: 0.8rem;
            font-weight: 600;
            text-decoration: none;
            color: var(--navy);
        }
        .nav-cta {
            background: var(--gold);
            color: var(--navy-deep) !important;
            padding: 12px 24px;
            border-radius: 4px;
        }
        
        .hero {
            padding: 140px 40px 60px;
            background: var(--gray-light);
        }
        .hero-inner {
            max-width: 800px;
            margin: 0 auto;
        }
        .hero h1 {
            font-family: 'Montserrat', sans-serif;
            font-size: 2.5rem;
            font-weight: 900;
            color: var(--navy);
            margin-bottom: 12px;
        }
        .hero-meta {
            font-family: 'Montserrat', sans-serif;
            font-size: 0.9rem;
            color: var(--gray);
        }
        
        /* Tab Navigation */
        .tabs {
            background: white;
            border-bottom: 1px solid var(--gray-light);
            position: sticky;
            top: 76px;
            z-index: 100;
        }
        .tabs-inner {
            max-width: 800px;
            margin: 0 auto;
            display: flex;
            gap: 0;
        }
        .tab {
            font-family: 'Montserrat', sans-serif;
            font-size: 0.9rem;
            font-weight: 600;
            color: var(--gray);
            padding: 20px 32px;
            text-decoration: none;
            border-bottom: 3px solid transparent;
            transition: all 0.3s;
        }
        .tab:hover { color: var(--navy); }
        .tab.active {
            color: var(--navy);
            border-bottom-color: var(--gold);
        }
        
        /* Content */
        .content {
            padding: 60px 40px 100px;
            background: white;
        }
        .content-inner {
            max-width: 800px;
            margin: 0 auto;
        }
        .policy-section {
            display: none;
        }
        .policy-section.active {
            display: block;
        }
        
        .policy-section h2 {
            font-family: 'Montserrat', sans-serif;
            font-size: 1.5rem;
            font-weight: 800;
            color: var(--navy);
            margin: 40px 0 16px;
        }
        .policy-section h2:first-child {
            margin-top: 0;
        }
        .policy-section h3 {
            font-family: 'Montserrat', sans-serif;
            font-size: 1.1rem;
            font-weight: 700;
            color: var(--navy);
            margin: 32px 0 12px;
        }
        .policy-section p {
            font-size: 1.05rem;
            color: var(--charcoal);
            line-height: 1.9;
            margin-bottom: 16px;
        }
        .policy-section ul {
            margin: 16px 0 24px 24px;
        }
        .policy-section li {
            font-size: 1.05rem;
            color: var(--charcoal);
            line-height: 1.8;
            margin-bottom: 8px;
        }
        .policy-section a {
            color: var(--navy);
        }
        .policy-section a:hover {
            color: var(--gold-dark);
        }
        
        .contact-box {
            background: var(--cream);
            border-radius: 12px;
            padding: 28px;
            margin-top: 40px;
        }
        .contact-box h4 {
            font-family: 'Montserrat', sans-serif;
            font-size: 1rem;
            font-weight: 700;
            color: var(--navy);
            margin-bottom: 12px;
        }
        .contact-box p {
            font-size: 1rem;
            margin-bottom: 8px;
        }
        
        .footer {
            background: var(--navy-deep);
            padding: 40px;
            text-align: center;
        }
        .footer-brand {
            font-family: 'Montserrat', sans-serif;
            font-size: 1.2rem;
            font-weight: 800;
            color: white;
            margin-bottom: 8px;
        }
        .footer-brand span { color: var(--gold); }
        .footer-legal {
            font-family: 'Montserrat', sans-serif;
            font-size: 0.8rem;
            color: rgba(255,255,255,0.5);
        }
        
        @media (max-width: 768px) {
            .nav { padding: 16px 20px; }
            .nav-links { display: none; }
            .hero { padding: 120px 24px 40px; }
            .hero h1 { font-size: 2rem; }
            .tabs { top: 68px; }
            .tabs-inner { overflow-x: auto; }
            .tab { padding: 16px 24px; white-space: nowrap; }
            .content { padding: 40px 24px 80px; }
        }