*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#070a08;--panel:#0d1410;--panel2:#111e17;
  --accent:#00ff88;--accent2:#19c37d;
  --accent-dim:rgba(0,255,136,.08);--accent-glow:rgba(0,255,136,.18);
  --border:rgba(0,255,136,.1);--border2:rgba(255,255,255,.07);
  --text:#e8f5ee;--text2:#b0c8bc;--muted:#6a8a7a;--red:#ff5f6d;--gold:#f5c518;
  --accent-rgb:0,255,136;--bg-raw:7,12,9;
  --font-heading:'Outfit',sans-serif;--font-body:'Inter',sans-serif;
}
html{scroll-behavior:smooth}

@keyframes fadeUp{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}
@keyframes spin{to{transform:rotate(360deg)}}

body{
  background:var(--bg);
  color:var(--text);
  font-family:var(--font-body,'Inter',sans-serif);
  min-height:100vh;
  overflow-x:hidden;
}

/* ── Ambient background ── */
.bg-orb{position:fixed;border-radius:50%;pointer-events:none;z-index:0;filter:blur(140px)}
.bg-orb1{width:600px;height:600px;background:rgba(var(--accent-rgb,0,255,136),.035);top:-180px;right:-120px}
.bg-orb2{width:450px;height:450px;background:rgba(var(--accent-rgb,0,255,136),.025);bottom:-100px;left:-80px}

/* ── Page loader ── */
.page-loader{position:fixed;inset:0;background:var(--bg);display:flex;align-items:center;justify-content:center;z-index:9999;transition:opacity .4s}
.page-loader.gone{opacity:0;pointer-events:none}
.pl-logo{font-family:var(--font-heading,'Outfit',sans-serif);font-size:26px;font-weight:800;margin-bottom:18px;text-align:center}
.pl-logo span{color:var(--accent)}
.pl-spin{width:28px;height:28px;border:2px solid var(--border);border-top-color:var(--accent);border-radius:50%;animation:spin .7s linear infinite;margin:0 auto}

/* ── Header ── */
header{
  position:sticky;top:0;z-index:100;
  display:flex;align-items:center;justify-content:space-between;
  padding:14px 32px;
  background:rgba(var(--bg-raw,7,12,9),.92);
  border-bottom:1px solid var(--border);
  backdrop-filter:blur(20px);
}
.logo{font-family:var(--font-heading,'Outfit',sans-serif);font-size:18px;font-weight:700;text-decoration:none;color:var(--text)}
.logo span{color:var(--accent)}
.btn-ghost{background:none;border:1px solid var(--border);color:var(--muted);border-radius:10px;padding:8px 14px;font-family:var(--font-body,'Inter',sans-serif);font-size:13px;cursor:pointer;transition:all .2s;display:inline-flex;align-items:center;gap:6px;text-decoration:none}
.btn-ghost:hover{border-color:var(--accent2);color:var(--text)}

/* ── Layout ── */
main{position:relative;z-index:1;max-width:820px;margin:0 auto;padding:56px 24px 100px}

/* ── Hero block ── */
.doc-hero{margin-bottom:48px;animation:fadeUp .5s ease both}
.doc-eyebrow{display:inline-flex;align-items:center;gap:7px;background:rgba(var(--accent-rgb,0,255,136),.08);border:1px solid rgba(var(--accent-rgb,0,255,136),.18);border-radius:999px;padding:5px 14px;font-size:11px;font-weight:700;color:var(--accent2);text-transform:uppercase;letter-spacing:1px;margin-bottom:18px}
.doc-hero h1{font-family:var(--font-heading,'Outfit',sans-serif);font-size:40px;font-weight:800;line-height:1.1;letter-spacing:-.5px;margin-bottom:14px}
.doc-hero h1 span{color:var(--accent)}
.doc-meta{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.doc-meta-item{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--muted)}
.doc-meta-item i{font-size:11px;color:var(--accent2)}

/* ── Commitment banner ── */
.commit-banner{
  background:linear-gradient(135deg,rgba(var(--accent-rgb,0,255,136),.09),rgba(var(--accent-rgb,0,255,136),.04));
  border:1px solid rgba(var(--accent-rgb,0,255,136),.25);
  border-left:4px solid var(--accent2);
  border-radius:14px;
  padding:20px 22px;
  margin-bottom:40px;
  display:flex;gap:16px;
  animation:fadeUp .5s .05s ease both;
}
.commit-icon{width:44px;height:44px;background:rgba(var(--accent-rgb,0,255,136),.12);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0;margin-top:2px}
.commit-title{font-family:var(--font-heading,'Outfit',sans-serif);font-size:15px;font-weight:800;color:var(--accent2);margin-bottom:6px;text-transform:uppercase;letter-spacing:.5px}
.commit-text{font-size:13px;color:var(--muted);line-height:1.75}
.commit-text strong{color:var(--accent2)}

/* ── NOT FINANCIAL ADVICE BANNER ── */
.nfa-banner{
  background:linear-gradient(135deg,rgba(245,158,11,.1),rgba(245,158,11,.05));
  border:1px solid rgba(245,158,11,.35);
  border-left:4px solid #f59e0b;
  border-radius:14px;
  padding:20px 22px;
  margin-bottom:40px;
  display:flex;gap:16px;
  animation:fadeUp .5s .05s ease both;
}
.nfa-icon{width:44px;height:44px;background:rgba(245,158,11,.15);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0;margin-top:2px}
.nfa-title{font-family:var(--font-heading,'Outfit',sans-serif);font-size:15px;font-weight:800;color:#fbbf24;margin-bottom:6px;text-transform:uppercase;letter-spacing:.5px}
.nfa-text{font-size:13px;color:var(--muted);line-height:1.75}
.nfa-text strong{color:#fbbf24}

/* ── TOC ── */
.toc-card{background:var(--panel);border:1px solid var(--border);border-radius:16px;padding:22px 24px;margin-bottom:40px;animation:fadeUp .5s .08s ease both}
.toc-title{font-family:var(--font-heading,'Outfit',sans-serif);font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin-bottom:14px;display:flex;align-items:center;gap:8px}
.toc-list{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:6px}
@media(max-width:540px){.toc-list{grid-template-columns:1fr}}
.toc-list a{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--muted);text-decoration:none;padding:5px 8px;border-radius:7px;transition:all .18s}
.toc-list a:hover{background:rgba(var(--accent-rgb,0,255,136),.07);color:var(--accent2)}
.toc-list a i{font-size:9px;color:var(--accent2);flex-shrink:0}

/* ── Sections ── */
.doc-section{margin-bottom:44px;animation:fadeUp .5s ease both}
.section-hdr{display:flex;align-items:center;gap:12px;margin-bottom:20px;padding-bottom:14px;border-bottom:1px solid var(--border)}
.section-num{font-family:var(--font-heading,'Outfit',sans-serif);font-size:11px;font-weight:800;color:var(--accent2);background:rgba(var(--accent-rgb,0,255,136),.1);border:1px solid rgba(var(--accent-rgb,0,255,136),.2);border-radius:6px;padding:3px 9px;text-transform:uppercase;letter-spacing:.5px;flex-shrink:0}
.section-hdr h2{font-family:var(--font-heading,'Outfit',sans-serif);font-size:20px;font-weight:700}

.doc-p{font-size:14px;color:var(--muted);line-height:1.85;margin-bottom:14px}
.doc-p:last-child{margin-bottom:0}
.doc-p strong{color:var(--text);font-weight:600}
.doc-p a{color:var(--accent2);text-decoration:underline;text-underline-offset:2px}

.doc-ul{list-style:none;margin:10px 0 14px;display:flex;flex-direction:column;gap:8px}
.doc-ul li{display:flex;align-items:flex-start;gap:10px;font-size:13.5px;color:var(--muted);line-height:1.6}
.doc-ul li i{color:var(--accent2);font-size:10px;margin-top:4px;flex-shrink:0}
.doc-ul li strong{color:var(--text)}

/* Data table */
.data-table{width:100%;border-collapse:collapse;margin:14px 0;border-radius:12px;overflow:hidden;border:1px solid var(--border)}
.data-table th{background:var(--panel);padding:11px 16px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--muted);text-align:left;border-bottom:1px solid var(--border)}
.data-table td{background:var(--bg);padding:11px 16px;font-size:13px;color:var(--muted);border-bottom:1px solid var(--border);vertical-align:top;line-height:1.55}
.data-table tr:last-child td{border-bottom:none}
.data-table td strong{color:var(--text)}
.data-table td.accent{color:var(--accent2);font-weight:600}

/* Inline highlight box */
.inline-box{background:var(--panel);border:1px solid var(--border);border-radius:10px;padding:14px 16px;margin:14px 0;font-size:13px;color:var(--muted);line-height:1.7}
.inline-box.warn{background:rgba(245,158,11,.06);border-color:rgba(245,158,11,.25)}
.inline-box.info{background:rgba(var(--accent-rgb,0,255,136),.05);border-color:rgba(var(--accent-rgb,0,255,136),.18)}
.inline-box.never{background:rgba(255,95,109,.05);border-color:rgba(255,95,109,.2)}
.inline-box strong{color:var(--text)}

/* Rights grid */
.rights-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:14px 0}
@media(max-width:480px){.rights-grid{grid-template-columns:1fr}}
.right-cell{background:var(--panel);border:1px solid var(--border);border-radius:10px;padding:14px}
.right-cell .rc-icon{font-size:18px;margin-bottom:8px}
.right-cell .rc-title{font-family:var(--font-heading,'Outfit',sans-serif);font-size:13px;font-weight:700;color:var(--text);margin-bottom:4px}
.right-cell .rc-desc{font-size:12px;color:var(--muted);line-height:1.55}

/* ── Footer ── */
.doc-footer{border-top:1px solid var(--border);padding-top:32px;margin-top:60px;text-align:center;animation:fadeUp .5s ease both}
.doc-footer p{font-size:12px;color:var(--muted);line-height:1.7;margin-bottom:14px}
.footer-links{display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap}
.footer-links a{font-size:12px;color:var(--muted);text-decoration:underline;text-underline-offset:2px}
.footer-links a:hover{color:var(--text)}
.footer-sep{opacity:.25;font-size:12px;color:var(--muted)}

/* ── Footer ── */
footer{background:var(--bg);border-top:1px solid var(--border2);padding:52px 40px 28px}
.footer-inner{max-width:1080px;margin:0 auto;display:flex;gap:56px;flex-wrap:wrap;margin-bottom:40px}
.footer-brand{flex:1;min-width:200px}
.footer-logo{font-family:var(--font-heading,'Outfit',sans-serif);font-size:20px;font-weight:800;color:var(--text);margin-bottom:8px}
.footer-logo span{color:var(--accent)}
.footer-tagline{font-size:13px;color:var(--muted);margin-bottom:14px;line-height:1.5}
.footer-badges{display:flex;flex-wrap:wrap;gap:7px}
.footer-badge{display:inline-flex;align-items:center;gap:5px;font-size:11px;color:var(--muted);background:rgba(255,255,255,.04);border:1px solid var(--border2);border-radius:20px;padding:3px 10px;font-family:var(--font-heading,'Outfit',sans-serif);font-weight:600}
.footer-badge i{color:var(--accent2);font-size:10px}
.footer-links-group{display:flex;gap:48px;flex-wrap:wrap}
.footer-col{display:flex;flex-direction:column;gap:8px;min-width:100px}
.footer-col-title{font-family:var(--font-heading,'Outfit',sans-serif);font-size:11px;font-weight:700;color:var(--text2);text-transform:uppercase;letter-spacing:.9px;margin-bottom:4px}
.footer-col a{font-size:13px;color:var(--muted);text-decoration:none;transition:color .18s}
.footer-col a:hover{color:var(--accent2)}
.footer-bottom{max-width:1080px;margin:0 auto;padding-top:24px;border-top:1px solid var(--border2);display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;font-size:12px;color:var(--muted)}
@media(max-width:640px){.footer-inner{flex-direction:column;gap:32px}.footer-bottom{flex-direction:column;align-items:center;text-align:center}}

@media(max-width:600px){
  header{padding:12px 16px}
  main{padding:36px 16px 80px}
  .doc-hero h1{font-size:30px}
  .commit-banner,.nfa-banner{flex-direction:column;gap:12px}
  .data-table th,.data-table td{padding:9px 12px;font-size:12px}
}