:root{
    --sbar-primary:#0d6efd;
    --sbar-primary-dark:#084298;
    --sbar-navy:#0b2239;
    --sbar-blue-light:#eef6ff;
    --sbar-body:#f5f8fc;
    --sbar-border:#dbe7f3;
    --sbar-text:#405166;
}

html{scroll-behavior:smooth;}
body{
    background:var(--sbar-body);
    color:var(--sbar-text);
    font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
a{text-decoration:none;}
a:hover{text-decoration:none;}

.sbar-topbar{
    background:var(--sbar-navy);
    color:rgba(255,255,255,.8);
    font-size:.875rem;
}
.sbar-topbar a{color:#fff;}

.sbar-navbar{
    background:rgba(255,255,255,.97);
    border-bottom:1px solid var(--sbar-border);
    box-shadow:0 3px 16px rgba(15,44,76,.05);
    backdrop-filter:blur(12px);
}
.sbar-brand-mark{
    width:44px;
    height:44px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    color:#fff;
    font-weight:800;
    background:linear-gradient(135deg,var(--sbar-primary-dark),var(--sbar-primary));
    border-radius:14px;
    box-shadow:0 8px 20px rgba(13,110,253,.25);
}
.sbar-brand-title{
    color:var(--sbar-navy);
    font-weight:800;
    line-height:1.05;
}
.sbar-brand-subtitle{
    display:block;
    color:#758399;
    font-size:.72rem;
    font-weight:700;
    letter-spacing:.07em;
    text-transform:uppercase;
}
.navbar-nav .nav-link{
    color:#526276;
    font-weight:650;
    border-radius:.65rem;
    padding:.65rem .8rem !important;
}
.navbar-nav .nav-link:hover,
.navbar-nav .nav-link.active{
    color:var(--sbar-primary);
    background:var(--sbar-blue-light);
}

.sbar-hero{
    position:relative;
    overflow:hidden;
    color:#fff;
    padding:5rem 0 4.5rem;
    background:
        radial-gradient(circle at 90% 5%,rgba(255,255,255,.22),transparent 30%),
        linear-gradient(135deg,var(--sbar-navy),var(--sbar-primary));
}
.sbar-hero:after{
    content:"";
    position:absolute;
    right:-110px;
    bottom:-165px;
    width:360px;
    height:360px;
    border:52px solid rgba(255,255,255,.06);
    border-radius:50%;
}
.sbar-hero .container{position:relative;z-index:2;}
.sbar-eyebrow{
    display:inline-flex;
    align-items:center;
    gap:.45rem;
    padding:.4rem .8rem;
    margin-bottom:1rem;
    border:1px solid rgba(255,255,255,.25);
    border-radius:999px;
    background:rgba(255,255,255,.13);
    font-size:.78rem;
    font-weight:800;
    letter-spacing:.08em;
    text-transform:uppercase;
}
.sbar-hero h1{
    max-width:920px;
    font-size:clamp(2.3rem,5vw,4rem);
    font-weight:800;
    letter-spacing:-.045em;
    line-height:1.07;
}
.sbar-hero .lead{
    max-width:820px;
    color:rgba(255,255,255,.88);
}
.sbar-pill{
    display:inline-flex;
    align-items:center;
    gap:.4rem;
    padding:.5rem .8rem;
    color:var(--sbar-primary-dark);
    background:#fff;
    border-radius:999px;
    font-size:.88rem;
    font-weight:750;
}

.sbar-main{padding:3rem 0 5rem;}
.sbar-card{
    border:1px solid var(--sbar-border);
    border-radius:1.15rem;
    box-shadow:0 10px 30px rgba(22,61,97,.08);
}
.sbar-card-hover{
    transition:transform .2s ease,box-shadow .2s ease;
}
.sbar-card-hover:hover{
    transform:translateY(-4px);
    box-shadow:0 18px 40px rgba(22,61,97,.13);
}
.sbar-icon{
    width:52px;
    height:52px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    color:#fff;
    font-size:1.25rem;
    background:linear-gradient(135deg,var(--sbar-primary-dark),var(--sbar-primary));
    border-radius:14px;
    box-shadow:0 8px 18px rgba(13,110,253,.22);
}
.sbar-section-title{
    color:var(--sbar-navy);
    font-weight:800;
    letter-spacing:-.025em;
}
.sbar-section-copy{color:#6f7f92;}

.sbar-sidebar{
    position:sticky;
    top:100px;
}
.sbar-sidebar .list-group-item{
    border:0;
    color:#56667a;
    font-weight:600;
    padding:.75rem .9rem;
    border-radius:.65rem !important;
    margin-bottom:.25rem;
}
.sbar-sidebar .list-group-item:hover,
.sbar-sidebar .list-group-item.active{
    color:var(--sbar-primary);
    background:var(--sbar-blue-light);
}

.sbar-document{
    border:1px solid var(--sbar-border);
    border-radius:1.2rem;
    box-shadow:0 12px 35px rgba(22,61,97,.09);
}
.sbar-document-body{padding:2.5rem;}
.sbar-intro{
    padding:1.35rem 1.5rem;
    margin-bottom:2rem;
    background:linear-gradient(135deg,#edf6ff,#fbfdff);
    border:1px solid #d3e8ff;
    border-left:5px solid var(--sbar-primary);
    border-radius:.85rem;
}
.policy-section{scroll-margin-top:110px;}
.policy-section h2{
    display:flex;
    align-items:center;
    gap:.75rem;
    color:var(--sbar-primary);
    font-size:1.55rem;
    font-weight:800;
    padding-bottom:.75rem;
    margin:2.2rem 0 1rem;
    border-bottom:1px solid var(--sbar-border);
}
.policy-number{
    flex:0 0 40px;
    width:40px;
    height:40px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    color:#fff;
    font-size:.9rem;
    font-weight:800;
    background:linear-gradient(135deg,var(--sbar-primary-dark),var(--sbar-primary));
    border-radius:.75rem;
}
.policy-section h3{
    color:var(--sbar-navy);
    font-size:1.05rem;
    font-weight:800;
    margin-top:1.5rem;
}
.policy-section p,
.policy-section li{color:#526276;}
.policy-section li{margin-bottom:.4rem;}

.sbar-notice{
    padding:1rem 1.1rem;
    border-radius:.75rem;
    background:#eef6ff;
    border:1px solid #d3e8ff;
}
.sbar-warning{
    padding:1rem 1.1rem;
    border-radius:.75rem;
    background:#fff8e5;
    border:1px solid #efdca2;
}
.sbar-contact{
    display:flex;
    gap:1rem;
    padding:1.15rem;
    background:#f6faff;
    border:1px solid #dcecff;
    border-radius:.85rem;
}
.sbar-contact-icon{
    flex:0 0 48px;
    width:48px;
    height:48px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    color:#fff;
    background:var(--sbar-primary);
    border-radius:.8rem;
}

.sbar-cta{
    color:#fff;
    background:linear-gradient(135deg,var(--sbar-navy),var(--sbar-primary));
    border-radius:1.2rem;
    box-shadow:0 15px 38px rgba(13,54,95,.18);
}

.sbar-footer{
    background:var(--sbar-navy);
    color:rgba(255,255,255,.78);
}
.sbar-footer h5{color:#fff;font-weight:800;}
.sbar-footer a{color:rgba(255,255,255,.8);}
.sbar-footer a:hover{color:#fff;text-decoration:underline;}
.sbar-footer-bottom{
    border-top:1px solid rgba(255,255,255,.12);
}

@media(max-width:991.98px){
    .sbar-sidebar{position:static;}
}
@media(max-width:575.98px){
    .sbar-hero{padding:3.5rem 0 3rem;}
    .sbar-document-body{padding:1.4rem;}
    .policy-section h2{align-items:flex-start;font-size:1.35rem;}
}
@media print{
    .sbar-topbar,.sbar-navbar,.sbar-sidebar,.sbar-footer,.sbar-no-print{display:none!important;}
    body{background:#fff;color:#000;}
    .sbar-hero{padding:1.2rem 0;color:#000;background:#fff;border-bottom:2px solid #000;}
    .sbar-hero .lead{color:#000;}
    .sbar-pill{padding:0;color:#000;}
    .sbar-main{padding:1rem 0;}
    .sbar-document{border:0;box-shadow:none;}
    .sbar-document-body{padding:0;}
    .policy-section h2{color:#000;}
    .policy-number{color:#000;background:transparent;}
}