:root {
            --primary: #2620F6;
            --primary-light: #4A46F8;
            --secondary: #FFBB00;
            --secondary-light: #FFD152;
            --dark: #222222;
            --gray: #2F2F2F;
            --light-gray: #F5F4F0;
            --white: #FFFFFF;
            --shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
            --radius: 16px;
            --transition: all 0.3s ease;
        }

@media (min-width: 1024px) {
  .container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;

    display: grid;
    grid-template-columns: 320px 1fr;
    grid-template-areas:
      "header header"
      "nav content";
    gap: 24px;
    align-items: start;
  }

  .header { grid-area: header; width: 100%; margin: 0; }
  .navigation { grid-area: nav; position: sticky; top: 110px; height: fit-content; margin: 0; }
  .content-area { grid-area: content; margin: 0; }

  .nav-buttons { display: flex; flex-direction: column; gap: 10px; }
  .nav-btn { width: 100%; justify-content: flex-start; }
}

        .header {
            text-align: center;
            margin-bottom: 30px;
            padding: 40px 20px;
            background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
            color: var(--white);
            border-radius: var(--radius);
            box-shadow: var(--shadow);
            position: relative;
            overflow: hidden;
        }

        .header::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100" preserveAspectRatio="none"><path d="M0,0 L100,0 L100,100 Z" fill="rgba(255,255,255,0.1)"/></svg>');
            background-size: cover;
        }

        .header h1 {
            font-size: clamp(1.8rem, 5vw, 2.8rem);
            margin-bottom: 10px;
            font-weight: 800;
            position: relative;
        }

        .header p {
            font-size: clamp(1rem, 3vw, 1.3rem);
            opacity: 0.9;
            max-width: 600px;
            margin: 0 auto;
            position: relative;
        }

        .effective-date {
            background: rgba(255, 255, 255, 0.2);
            display: inline-block;
            padding: 8px 16px;
            border-radius: 20px;
            margin-top: 15px;
            font-size: 0.9rem;
        }

        .navigation {
            background: var(--white);
            border-radius: var(--radius);
            padding: 25px;
            margin-bottom: 30px;
            box-shadow: var(--shadow);
            position: sticky;
            top: 20px;
            z-index: 100;
        }

        .nav-title {
            font-size: 1.3rem;
            font-weight: 700;
            margin-bottom: 20px;
            color: var(--dark);
            text-align: center;
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 10px;
        }

        .nav-buttons {
            display: grid;
            grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
            gap: 12px;
        }

        .nav-btn {
            background: var(--light-gray);
            color: var(--dark);
            border: none;
            padding: 14px 16px;
            border-radius: 12px;
            cursor: pointer;
            font-weight: 600;
            transition: var(--transition);
            text-align: left;
            display: flex;
            align-items: center;
            gap: 10px;
            font-size: 0.95rem;
            position: relative;
            overflow: hidden;
        }

        .nav-btn::before {
            content: '';
            position: absolute;
            top: 0;
            left: -100%;
            width: 100%;
            height: 100%;
            background: linear-gradient(90deg, transparent, rgba(255,255,255,0.4), transparent);
            transition: var(--transition);
        }

        .nav-btn:hover::before {
            left: 100%;
        }

        .nav-btn:hover, .nav-btn:focus {
            background: var(--primary);
            color: var(--white);
            transform: translateY(-3px);
            box-shadow: 0 10px 20px rgba(38, 32, 246, 0.2);
        }

        .nav-btn.active {
            background: var(--primary);
            color: var(--white);
            box-shadow: 0 5px 15px rgba(38, 32, 246, 0.3);
        }

        .nav-btn i {
            font-size: 1.1rem;
            width: 20px;
            text-align: center;
        }

        .content-area {
            background: var(--white);
            border-radius: var(--radius);
            padding: 40px;
            box-shadow: var(--shadow);
            margin-bottom: 30px;
            position: relative;
        }

        .section {
            display: none;
            animation: fadeIn 0.5s ease-in;
        }

        .section.active {
            display: block;
        }

        @keyframes fadeIn {
            from { opacity: 0; transform: translateY(20px); }
            to { opacity: 1; transform: translateY(0); }
        }

        .section h2 {
            color: var(--dark);
            font-size: 2rem;
            margin-bottom: 25px;
            padding-bottom: 15px;
            border-bottom: 3px solid var(--secondary);
            display: flex;
            align-items: center;
            gap: 15px;
        }

        .section h3 {
            color: var(--gray);
            font-size: 1.4rem;
            margin: 25px 0 15px;
            display: flex;
            align-items: center;
            gap: 10px;
        }

        .section p, .section li {
            color: var(--gray);
            margin-bottom: 15px;
            font-size: 1.05rem;
            line-height: 1.7;
        }

        .section ul {
            padding-left: 25px;
            margin: 20px 0;
        }

        .section li {
            margin-bottom: 10px;
            position: relative;
        }

        .section li::before {
            content: '•';
            color: var(--secondary);
            font-weight: bold;
            display: inline-block;
            width: 1em;
            margin-left: -1em;
        }

        .highlight-box {
            background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
            color: var(--white);
            padding: 25px;
            border-radius: var(--radius);
            margin: 25px 0;
            box-shadow: 0 5px 15px rgba(38, 32, 246, 0.2);
            position: relative;
            overflow: hidden;
        }

        .highlight-box::before {
            content: '';
            position: absolute;
            top: -50%;
            right: -50%;
            width: 100%;
            height: 100%;
            background: rgba(255, 255, 255, 0.1);
            transform: rotate(30deg);
        }

        .highlight-box h3 {
            color: var(--white);
            margin-top: 0;
            display: flex;
            align-items: center;
            gap: 10px;
            position: relative;
        }

        .highlight-box p {
            color: var(--white);
            margin-top: 0;
            display: flex;
            align-items: center;
            gap: 10px;
            position: relative;
        }

        .definition-item {
            background: var(--light-gray);
            border-left: 5px solid var(--secondary);
            padding: 20px;
            margin: 15px 0;
            border-radius: 0 12px 12px 0;
            box-shadow: 0 3px 10px rgba(0,0,0,0.05);
            transition: var(--transition);
            position: relative;
            overflow: hidden;
        }

        .definition-item::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            width: 5px;
            height: 100%;
            background: var(--secondary);
        }

        .definition-item:hover {
            transform: translateX(5px);
            box-shadow: 0 5px 15px rgba(0,0,0,0.1);
        }

        .definition-term {
            font-weight: 700;
            color: var(--dark);
            margin-bottom: 8px;
            font-size: 1.1rem;
            display: flex;
            align-items: center;
            gap: 8px;
        }

        .back-to-top {
            position: fixed;
            bottom: 30px;
            right: 30px;
            background: var(--primary);
            color: var(--white);
            border: none;
            width: 50px;
            height: 50px;
            border-radius: 50%;
            cursor: pointer;
            font-size: 1.2rem;
            box-shadow: 0 5px 15px rgba(0,0,0,0.2);
            transition: var(--transition);
            opacity: 0;
            visibility: hidden;
            z-index: 1000;
            display: flex;
            align-items: center;
            justify-content: center;
        }

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

        .back-to-top:hover, .back-to-top:focus {
            transform: translateY(-5px);
            box-shadow: 0 8px 20px rgba(0,0,0,0.3);
            background: var(--primary-light);
        }

        .progress-container {
            position: fixed;
            top: 0;
            left: 0;
            width: 100%;
            height: 5px;
            background: rgba(245, 244, 240, 0.8);
            z-index: 1001;
        }

        .progress-bar {
            height: 100%;
            background: linear-gradient(90deg, var(--secondary), var(--primary));
            width: 0%;
            transition: width 0.3s ease;
        }

        .mobile-nav-indicator {
            display: none;
            text-align: center;
            padding: 12px;
            background: rgba(255, 187, 0, 0.1);
            border-radius: 10px;
            margin-bottom: 20px;
            font-size: 0.9rem;
            color: var(--gray);
        }

        .section-counter {
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 10px;
            margin-top: 30px;
            color: var(--gray);
            font-size: 0.9rem;
        }

        .counter-btn {
            background: var(--light-gray);
            border: none;
            width: 40px;
            height: 40px;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            cursor: pointer;
            transition: var(--transition);
        }

        .counter-btn:hover {
            background: var(--primary);
            color: var(--white);
        }

        .numbered-list {
            counter-reset: item;
            list-style: none;
            padding-left: 0;
        }

        .numbered-list li {
            counter-increment: item;
            margin-bottom: 15px;
            padding-left: 30px;
            position: relative;
        }

        .numbered-list li::before {
            content: counter(item) ".";
            position: absolute;
            left: 0;
            top: 0;
            font-weight: bold;
            color: var(--primary);
        }

        .policy-item {
            margin-bottom: 25px;
            padding-bottom: 20px;
            border-bottom: 1px solid var(--light-gray);
        }

        .policy-item:last-child {
            border-bottom: none;
        }

        .sub-item {
            margin-left: 20px;
            margin-top: 10px;
        }

        .commission-badge {
            display: inline-block;
            background: var(--secondary);
            color: var(--dark);
            padding: 5px 12px;
            border-radius: 20px;
            font-weight: 700;
            font-size: 0.9rem;
            margin-left: 10px;
        }

        .protection-badge {
            display: inline-flex;
            align-items: center;
            gap: 5px;
            background: rgba(38, 32, 246, 0.1);
            color: var(--primary);
            padding: 5px 12px;
            border-radius: 20px;
            font-weight: 600;
            font-size: 0.85rem;
            margin-left: 10px;
        }

        /* Enhanced mobile responsiveness */
        @media (max-width: 992px) {
            .nav-buttons {
                grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
            }
        }

        @media (max-width: 768px) {

            .header {
                padding: 30px 15px;
                margin-bottom: 20px;
            }
            
            .navigation {
                padding: 20px;
                margin-bottom: 20px;
                position: static;
            }
            
            .nav-buttons {
                grid-template-columns: 1fr;
                gap: 10px;
            }
            
            .nav-btn {
                padding: 16px;
                font-size: 1rem;
            }
            
            .mobile-nav-indicator {
                display: block;
            }
            
            .content-area {
                padding: 25px;
            }
            
            .section h2 {
                font-size: 1.7rem;
            }
            
            .back-to-top {
                bottom: 20px;
                right: 20px;
                width: 45px;
                height: 45px;
            }
        }

        @media (max-width: 480px) {
            
            .header {
                padding: 25px 15px;
            }
            
            .navigation {
                padding: 15px;
            }
            
            .content-area {
                padding: 20px;
            }
            
            .section h2 {
                font-size: 1.5rem;
            }
        }

        /* Touch-friendly improvements */
        @media (hover: none) and (pointer: coarse) {
            .nav-btn:hover {
                transform: none;
            }
            
            .definition-item:hover {
                transform: none;
            }
            
            .back-to-top:hover {
                transform: none;
            }
        }

        /* High contrast mode support */
        @media (prefers-contrast: high) {
            .nav-btn {
                border: 2px solid var(--dark);
            }
            
            .definition-item {
                border: 1px solid var(--gray);
            }
        }

        /* Reduced motion support */
        @media (prefers-reduced-motion: reduce) {
            * {
                animation-duration: 0.01ms !important;
                animation-iteration-count: 1 !important;
                transition-duration: 0.01ms !important;
            }
        }

    
/* Centre the content column */
.section,
.content-area,
.policy-item {
    max-width: 1100px;
    margin-left: auto;
    margin-right: auto;
}

/* Ensure text stays left-aligned */
.section,
.content-area,
.policy-item {
    text-align: left;
}



/* Layout offsets for fixed header */
html { scroll-padding-top: 120px; }
:is(h1,h2,h3,h4,h5,h6) { scroll-margin-top: 120px; }