:root{--navy:#1B2A4A;--navy-dark:#10192F;--navy-light:#2A3E63;--gold:#C9A66B;--gold-light:#E4CB9A;--cream:#FAF7F1;--white:#FFFFFF;--text-muted:#6B7385}a{color:var(--gold);text-decoration:none}a:hover{text-decoration:underline}.top-bar{background:var(--navy-dark);color:var(--gold-light);font-family:Arial,sans-serif;font-size:13px;text-align:center;padding:8px 12px;letter-spacing:.5px}.site-header{background:var(--navy);padding:18px 24px;display:flex;align-items:center;justify-content:center;border-bottom:3px solid var(--gold)}.site-header a{color:var(--white);font-family:Georgia,serif;font-size:22px;font-weight:700;letter-spacing:1px}.breadcrumb{background:var(--white);font-family:Arial,sans-serif;font-size:13px;padding:12px 24px;color:var(--text-muted);border-bottom:1px solid #eee}.breadcrumb a{color:var(--navy)}.page-hero{background:linear-gradient(135deg,var(--navy) 0,var(--navy-dark) 100%);color:var(--white);padding:54px 24px;text-align:center}.eyebrow{font-family:Arial,sans-serif;text-transform:uppercase;letter-spacing:2px;font-size:12px;color:var(--gold-light);margin-bottom:10px}.page-hero h1{font-size:32px;color:var(--white);margin-bottom:10px}.page-hero p{color:#d8dee8;font-family:Arial,sans-serif;font-size:14px;max-width:560px;margin:0 auto}.content{max-width:820px;margin:0 auto;padding:50px 24px}.updated-note{font-family:Arial,sans-serif;font-size:13px;color:var(--text-muted);background:var(--white);border:1px dashed var(--gold);border-radius:8px;padding:12px 18px;margin-bottom:34px;text-align:center}.content h2{color:var(--navy);font-size:21px;margin:34px 0 12px;border-bottom:2px solid var(--gold);padding-bottom:8px}.content h2:first-of-type{margin-top:0}.content p{color:var(--navy-dark);margin-bottom:14px;font-size:16.5px}.content ul{margin:0 0 16px 22px}.content ul li{margin-bottom:10px;font-size:16px}.policy-card{background:var(--white);border:1px solid #e7e0d3;border-left:4px solid var(--gold);border-radius:6px;padding:20px 24px;margin:18px 0;box-shadow:0 2px 8px rgba(27,42,74,.05)}.policy-card h3{font-family:Arial,sans-serif;font-size:15.5px;color:var(--navy);margin-bottom:8px}.policy-card p,.policy-card ul{font-size:15px;margin-bottom:0}table.refund-table{width:100%;border-collapse:collapse;margin:20px 0 10px;font-family:Arial,sans-serif;font-size:14.5px;background:var(--white);border-radius:6px;overflow:hidden;box-shadow:0 2px 8px rgba(27,42,74,.05)}table.refund-table th{background:var(--navy);color:var(--white);text-align:left;padding:12px 16px}table.refund-table td{padding:12px 16px;border-bottom:1px solid #eee2cf;color:var(--navy-dark)}table.refund-table tr:last-child td{border-bottom:none}.note-box{background:#fff6e8;border:1px solid var(--gold);border-radius:8px;padding:18px 22px;margin:22px 0;font-size:15px;color:var(--navy-dark)}.note-box strong{color:var(--navy)}.cta-box{background:var(--navy);color:var(--white);text-align:center;padding:40px 24px;border-radius:10px;margin-top:44px}.cta-box h3{color:var(--gold-light);margin-bottom:10px;font-size:20px}.cta-box p{color:#d8dee8;margin-bottom:20px}.btn{display:inline-block;font-family:Arial,sans-serif;font-weight:700;padding:12px 28px;border-radius:30px;margin:0 6px;font-size:14px}.btn-gold{background:var(--gold);color:var(--navy-dark)}.btn-gold:hover{background:var(--gold-light);text-decoration:none}.btn-outline{border:1px solid var(--gold);color:var(--gold-light)}.btn-outline:hover{background:rgba(255,255,255,.08);text-decoration:none}@media (max-width:600px){table.refund-table{font-size:13px}table.refund-table td,table.refund-table th{padding:10px}}