:root{--primary:#1a1a1a;--secondary:#4a4a4a;--accent:#06f;--border:#e0e0e0;--bg-light:#f9f9f9}body{font-family:Segoe UI,Roboto,Helvetica,Arial,sans-serif;line-height:1.7;color:var(--primary);margin:0;background-color:#fff}.page-wrapper{display:grid;grid-template-columns:300px 1fr;max-width:1200px;margin:0 auto}.sidebar{padding:60px 30px;height:100vh;position:-webkit-sticky;position:sticky;top:0;border-right:1px solid var(--border)}.sidebar h4{font-size:.75rem;text-transform:uppercase;letter-spacing:1px;color:var(--secondary);margin-bottom:20px}.sidebar ul{list-style:none;padding:0}.sidebar li{margin-bottom:12px}.sidebar a{text-decoration:none;color:var(--secondary);font-size:.9rem;transition:color .2s}.sidebar a:hover{color:var(--accent)}.content{padding:60px 80px}header{margin-bottom:60px}h1{font-size:2.5rem;margin-bottom:10px;font-weight:700}.effective-date{color:var(--secondary);font-size:.9rem}section{margin-bottom:50px;scroll-margin-top:40px}h2{font-size:1.5rem;margin-bottom:25px;padding-bottom:10px;border-bottom:2px solid var(--primary)}h3{font-size:1.1rem;margin-top:30px;color:var(--accent)}.clause{display:flex;gap:15px;margin-bottom:15px}.clause-num{font-weight:700;min-width:45px}.disclosure-card{background-color:var(--bg-light);border:1px solid var(--border);padding:25px;border-radius:4px;margin:20px 0}.disclosure-card strong{display:block;margin-bottom:10px;color:#d32f2f}@media (max-width:900px){.page-wrapper{grid-template-columns:1fr}.sidebar{display:none}.content{padding:40px 20px}}