*{margin:0;padding:0;box-sizing:border-box}body{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;color:#333;background:#fafafa;line-height:1.6}.container{max-width:800px;margin:0 auto;padding:40px 20px}h1{font-size:2rem;margin-bottom:8px;color:#111}h2{font-size:1.4rem;margin-top:32px;margin-bottom:12px;color:#222}p{margin-bottom:12px;color:#555}ul{margin-bottom:12px;padding-left:24px}li{margin-bottom:6px;color:#555}.effective-date{font-size:.9rem;color:#888;margin-bottom:24px}.nav-links{display:flex;gap:20px;margin-top:20px}.nav-links a,.back-link{color:#4a90d9;text-decoration:none;font-weight:500}.nav-links a:hover,.back-link:hover{text-decoration:underline}.back-link{display:inline-block;margin-bottom:24px;font-size:.9rem}.contact-info{margin-top:32px;padding:20px;background:#f0f0f0;border-radius:8px}.contact-info p{margin-bottom:4px}.info-box{margin:20px 0;padding:16px 20px;background:#eef4fb;border-left:4px solid #4A90D9;border-radius:4px}.info-box strong{display:block;margin-bottom:8px;color:#333}.info-box ul{margin-bottom:0}.form{margin-top:24px}.form-label{display:block;margin-bottom:16px;font-weight:500;color:#333;font-size:.95rem}.form-input{display:block;width:100%;margin-top:6px;padding:10px 12px;border:1px solid #ccc;border-radius:6px;font-size:1rem;font-family:inherit;color:#333;background:#fff;transition:border-color .2s}.form-input:focus{outline:none;border-color:#4a90d9;box-shadow:0 0 0 3px #4a90d926}.form-textarea{resize:vertical;min-height:70px}.btn{display:inline-block;padding:10px 20px;border:none;border-radius:6px;font-size:1rem;font-weight:500;cursor:pointer;transition:background .2s,opacity .2s;font-family:inherit}.btn:disabled{opacity:.6;cursor:not-allowed}.btn-primary{background:#4a90d9;color:#fff}.btn-primary:hover:not(:disabled){background:#3a7bc8}.btn-danger{background:#dc3545;color:#fff}.btn-danger:hover:not(:disabled){background:#c82333}.btn-secondary{background:#e9ecef;color:#333}.btn-secondary:hover:not(:disabled){background:#dde0e3}.btn-group{display:flex;gap:12px;margin-top:20px;flex-wrap:wrap}.alert{padding:12px 16px;border-radius:6px;margin:16px 0;font-size:.95rem;line-height:1.5}.alert-error{background:#fde8e8;color:#c0392b;border:1px solid #f5c6cb}.alert-success{background:#e8f5e9;color:#2e7d32;border:1px solid #c8e6c9}.alert-warning{background:#fff8e1;color:#8d6e00;border:1px solid #ffe082}h3{font-size:1.1rem;margin-top:24px;margin-bottom:8px;color:#333}@media(max-width:480px){.btn-group{flex-direction:column}.btn{width:100%;text-align:center}}