* {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }

        body {
            font-family: 'Arial', sans-serif;
            line-height: 1.6;
            color: #333;
            background: linear-gradient(135deg, #1e3a8a 0%, #764ba2 100%);
            min-height: 100vh;
        }

        .container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 20px;
        }

        .header {
            text-align: center;
            padding: 40px 0;
            background: rgba(255, 255, 255, 0.1);
            backdrop-filter: blur(10px);
            border-radius: 20px;
            margin: 20px 0;
            box-shadow: 0 8px 32px rgba(0, 0, 0, 0.1);
        }

        .logo-placeholder {
            width: 300px;
            height: 100px;
            background: linear-gradient(45deg, #1e3a8a, #1e3a8a);
            border-radius: 15px;
            margin: 0 auto 20px;
            display: flex;
            align-items: center;
            justify-content: center;
            color: white;
            font-size: 24px;
            font-weight: bold;
            text-transform: uppercase;
            letter-spacing: 3px;
            box-shadow: 0 4px 20px rgba(74, 0, 224, 0.3);
        }

        .main-content {
            background: white;
            border-radius: 20px;
            padding: 40px;
            margin: 20px 0;
            box-shadow: 0 20px 60px rgba(0, 0, 0, 0.1);
            backdrop-filter: blur(10px);
        }

        h1 {
            color: #1e3a8a;
            font-size: 2.5rem;
            margin-bottom: 10px;
            text-align: center;
            font-weight: 300;
        }

        .effective-date {
            text-align: center;
            color: #666;
            font-size: 1.1rem;
            margin-bottom: 30px;
            font-style: italic;
        }

        .intro {
            background: linear-gradient(135deg, #f5f7fa 0%, #c3cfe2 100%);
            padding: 25px;
            border-radius: 15px;
            margin-bottom: 30px;
            border-left: 5px solid #1e3a8a;
        }

        h2 {
            color: #1e3a8a;
            font-size: 1.5rem;
            margin: 30px 0 15px 0;
            padding-bottom: 8px;
            border-bottom: 2px solid #e0e6ed;
            font-weight: 600;
        }

        p {
            margin-bottom: 15px;
            font-size: 1rem;
            line-height: 1.7;
            color: #555;
        }

        .section {
            margin-bottom: 25px;
            padding: 20px;
            background: #fafbfc;
            border-radius: 10px;
            border: 1px solid #e1e8ed;
            transition: all 0.3s ease;
        }

        .section:hover {
            box-shadow: 0 5px 15px rgba(0, 0, 0, 0.08);
            transform: translateY(-2px);
        }

        .contact-info {
            background: linear-gradient(135deg, #1e3a8a, #1e3a8a);
            color: white;
            padding: 25px;
            border-radius: 15px;
            text-align: center;
            margin-top: 30px;
        }

        .contact-info h2 {
            color: white;
            border-bottom: 2px solid rgba(255, 255, 255, 0.3);
            margin-bottom: 20px;
        }

        .contact-info p {
            color: rgba(255, 255, 255, 0.95);
            font-size: 1.1rem;
        }

        .footer {
            text-align: center;
            padding: 20px;
            color: rgba(255, 255, 255, 0.8);
            font-size: 0.9rem;
        }

        @media (max-width: 768px) {
            .container {
                padding: 0 15px;
            }
            
            .main-content {
                padding: 25px;
                margin: 15px 0;
            }
            
            h1 {
                font-size: 2rem;
            }
            
            .logo-placeholder {
                width: 250px;
                height: 80px;
                font-size: 18px;
            }
        }

        .highlight {
            background: linear-gradient(120deg, #a8edea 0%, #fed6e3 100%);
            padding: 3px 8px;
            border-radius: 5px;
            font-weight: 600;
        }

        .icon {
            display: inline-block;
            width: 24px;
            height: 24px;
            margin-right: 8px;
            vertical-align: middle;
        }

        .scroll-to-top {
            position: fixed;
            bottom: 30px;
            right: 30px;
            background: #1e3a8a;
            color: white;
            border: none;
            border-radius: 50%;
            width: 50px;
            height: 50px;
            cursor: pointer;
            box-shadow: 0 4px 15px rgba(74, 0, 224, 0.3);
            transition: all 0.3s ease;
            opacity: 0;
            visibility: hidden;
        }

        .scroll-to-top.visible {
            opacity: 1;
            visibility: visible;
        }

        .scroll-to-top:hover {
            transform: translateY(-3px);
            box-shadow: 0 6px 20px rgba(74, 0, 224, 0.4);
        }