body {
            padding-top: var(--nav-h);
        }

        /* ── Hero Header ── */
        .av-hero {
            padding: 80px 48px 72px;
            max-width: 1280px;
            margin: 0 auto;
            position: relative;
        }

        .av-hero-bg-acc {
            position: absolute;
            top: -49px;
            right: -74px;
            width: 400px;
            height: 400px;
            opacity: .06;
            pointer-events: none;
        }

        .av-hero-bg-acc svg {
            width: 100%;
            height: 100%;
        }

        .av-tag {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            background: var(--c-light-aqua);
            color: #004F58;
            font-size: 11px;
            font-weight: 700;
            letter-spacing: 1px;
            padding: 6px 14px;
            border-radius: var(--radius-pill);
            margin-bottom: 24px;
            text-transform: uppercase;
        }

        .av-h1 {
            font-family: var(--font-legal);
            font-weight: 700;
            font-size: clamp(36px, 4.5vw, 60px);
            line-height: 1.05;
            color: var(--c-navy);
            margin-bottom: 20px;
        }

        .av-sub {
            font-size: 18px;
            line-height: 1.7;
            color: var(--c-text);
            margin-bottom: 24px;
            max-width: 700px;
        }

        .av-meta {
            display: flex;
            align-items: center;
            gap: 10px;
            font-size: 14px;
            color: var(--c-text-mid);
        }

        .av-meta svg {
            color: var(--c-text-mid);
            flex-shrink: 0;
        }

        /* ── Content Grid ── */
        .av-content {
            display: grid;
            grid-template-columns: 256px 1fr;
            gap: 48px;
            padding: 0 24px 80px;
            max-width: 1280px;
            margin: 0 auto;
            align-items: start;
        }

        /* Sidebar */
        .av-sidebar {
            position: sticky;
            top: calc(var(--nav-h) + 24px);
        }

        .av-sidebar-card {
            background: var(--c-bg-alt);
            border-radius: var(--radius-xl);
            padding: 32px;
            width: 275px;
        }

        .av-sidebar-title {
            font-family: var(--font-legal);
            font-weight: 700;
            font-size: 13px;
            letter-spacing: 1.4px;
            color: var(--c-text-mid);
            text-transform: uppercase;
            margin-bottom: 24px;
        }

        .av-nav-list {
            display: flex;
            flex-direction: column;
            gap: 4px;
        }

        .av-nav-link {
            display: block;
            padding: 9px 12px;
            font-size: 14px;
            font-weight: 600;
            color: var(--c-text);
            border-radius: var(--radius-lg);
            transition: background .15s, color .15s;
            text-decoration: none;
        }

        .av-nav-link:hover, .av-nav-link.active {
            background: var(--c-white);
            color: var(--c-blue);
        }

        .av-nav-link.active {
            font-weight: 700;
        }

        .av-support-card {
            background: var(--c-blue-mid);
            border-radius: var(--radius-lg);
            padding: 28px 24px 24px;
            margin-top: 24px;
        }

        .av-support-title {
            font-family: var(--font-legal);
            font-weight: 700;
            font-size: 15px;
            color: #fff;
            margin-bottom: 10px;
        }

        .av-support-body {
            font-size: 13px;
            color: rgba(255, 255, 255, 0.85);
            line-height: 1.6;
            margin-bottom: 20px;
        }

        .av-support-btn {
            display: block;
            text-align: center;
            background: rgba(255, 255, 255, 0.15);
            color: #fff;
            font-size: 13px;
            font-weight: 700;
            padding: 10px 20px;
            border-radius: var(--radius-pill);
            transition: background .2s;
        }

        .av-support-btn:hover {
            background: rgba(255, 255, 255, 0.25);
        }

        /* Articles */
        .av-articles {
            display: flex;
            flex-direction: column;
            gap: 56px;
        }

        /* Intro card */
        .av-intro-card {
            background: var(--c-white);
            border-radius: var(--radius-xl);
            border: 1px solid rgba(192, 199, 214, 0.15);
            box-shadow: var(--shadow-xs);
            padding: 40px;
            display: flex;
            gap: 24px;
            align-items: flex-start;
        }

        .av-intro-icon {
            width: 48px;
            height: 48px;
            border-radius: var(--radius-lg);
            background: #DCE9FF;
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
        }

        .av-intro-icon svg {
            color: var(--c-blue);
        }

        .av-intro-text {
            font-size: 17px;
            line-height: 1.75;
            color: var(--c-text);
        }

        /* Article heading */
        .av-article {
            scroll-margin-top: calc(var(--nav-h) + 24px);
        }

        .av-article-h2 {
            display: flex;
            align-items: center;
            gap: 16px;
            margin-bottom: 28px;
        }

        .av-article-num {
            font-family: var(--font-legal);
            font-weight: 700;
            font-size: 30px;
            color: var(--c-blue-mid);
            line-height: 1;
        }

        .av-article-title {
            font-family: var(--font-legal);
            font-weight: 700;
            font-size: 30px;
            color: var(--c-navy);
            line-height: 1;
        }

        /* Article body */
        .av-body {
            font-size: 16px;
            line-height: 1.75;
            color: var(--c-text);
            margin-bottom: 16px;
        }

        /* Definition list */
        .av-defs {
            background: var(--c-bg-alt);
            border-radius: var(--radius-lg);
            padding: 28px 32px;
            display: flex;
            flex-direction: column;
            gap: 16px;
        }

        .av-def {
            display: flex;
            gap: 24px;
            align-items: flex-start;
        }

        .av-def-term {
            font-family: var(--font-legal);
            font-weight: 700;
            font-size: 14px;
            color: var(--c-blue);
            min-width: 120px;
            flex-shrink: 0;
            padding-top: 2px;
        }

        .av-def-text {
            font-size: 14px;
            line-height: 1.65;
            color: var(--c-text);
        }

        /* Cards grid */
        .av-cards {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 20px;
            margin-top: 20px;
        }

        .av-card {
            background: var(--c-white);
            border: 1px solid rgba(192, 199, 214, 0.15);
            border-radius: var(--radius-lg);
            padding: 28px 28px;
            box-shadow: var(--shadow-xs);
        }

        .av-card-title {
            font-family: var(--font-legal);
            font-weight: 700;
            font-size: 18px;
            color: var(--c-blue);
            margin-bottom: 12px;
        }

        .av-card-text {
            font-size: 14px;
            line-height: 1.65;
            color: var(--c-text);
            margin-bottom: 20px;
        }

        /* Blue bordered article block */
        .av-blue-card {
            background: var(--c-white);
            border-radius: var(--radius-xl);
            padding: 40px;
            box-shadow: var(--shadow-xs);
            border-left: 8px solid var(--c-blue);
        }

        .av-blue-card-item {
            display: flex;
            align-items: flex-start;
            gap: 16px;
            margin-bottom: 20px;
        }

        .av-blue-card-item:last-child {
            margin-bottom: 0;
        }

        .av-check-icon {
            width: 24px;
            height: 24px;
            border-radius: 50%;
            background: var(--c-bg-card);
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
            margin-top: 2px;
        }

        .av-check-icon svg {
            color: var(--c-blue);
        }

        .av-quote-text {
            font-size: 15px;
            font-style: italic;
            line-height: 1.7;
            color: var(--c-text);
            padding-left: 16px;
        }

        /* Payment section */
        .av-payment {
            display: grid;
            grid-template-columns: 1fr auto;
            gap: 40px;
            align-items: start;
        }

        .av-payment-highlight {
            background: var(--c-blue);
            border-radius: var(--radius-lg);
            padding: 28px;
            color: #fff;
            text-align: left;
            min-width: 200px;

        }

        .av-ph-logo{
            margin-bottom: 15px;
        }

        .av-ph-label {
            font-size: 12px;
            font-weight: 700;
            letter-spacing: 1px;
            opacity: .75;
            margin-bottom: 8px;
            text-transform: uppercase;
        }

        .av-ph-num {
            font-family: var(--font-display);
            font-weight: 700;
            font-size: 42px;
            line-height: 1;
        }

        .av-ph-sub {
            font-size: 13px;
            opacity: .8;
            margin-top: 15px;
            line-height: 1.5;
        }

        /* Liability list */
        .av-liability {
            background: rgba(220, 233, 255, 0.5);
            border-radius: var(--radius-xl);
            padding: 36px;
            display: flex;
            flex-direction: column;
            gap: 24px;
        }

        .av-li-item {
            display: flex;
            gap: 16px;
            align-items: flex-start;
        }

        .av-li-x {
            width: 24px;
            height: 24px;
            border-radius: 50%;
            background: rgba(186, 26, 26, 0.1);
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
            margin-top: 2px;
        }

        .av-li-x svg {
            color: #BA1A1A;
        }

        .av-li-title {
            font-weight: 700;
            font-size: 15px;
            color: var(--c-navy);
            margin-bottom: 4px;
        }

        .av-li-body {
            font-size: 14px;
            line-height: 1.65;
            color: var(--c-text);
        }

        /* Privacy row */
        .av-privacy-row {
            background: var(--c-bg-alt);
            border-radius: var(--radius-lg);
            padding: 22px 24px;
            display: flex;
            align-items: center;
            justify-content: space-between;
            gap: 20px;
        }

        .av-pr-left {
            display: flex;
            align-items: center;
            gap: 16px;
        }

        .av-pr-left svg {
            color: var(--c-blue);
        }

        .av-pr-label {
            font-weight: 700;
            font-size: 15px;
            color: var(--c-navy);
        }

        /* Divider ornament */
        .av-divider {
            display: flex;
            align-items: center;
            justify-content: center;
            padding: 16px 0;
        }

        .av-divider::before, .av-divider::after {
            content: '';
            flex: 1;
            height: 1px;
            background: rgba(192, 199, 214, 0.25);
        }

        .av-divider span {
            font-family: serif;
            font-size: 20px;
            color: var(--c-blue-mid);
            padding: 0 20px;
            opacity: .6;
        }

        /* Closing */
        .av-closing {
            text-align: center;
            padding: 40px 0 20px;
            max-width: 560px;
            margin: 0 auto;
        }

        .av-closing-h3 {
            font-family: var(--font-legal);
            font-weight: 700;
            font-size: 24px;
            color: var(--c-navy);
            margin-bottom: 16px;
        }

        .av-closing-body {
            font-size: 15px;
            color: var(--c-text);
            line-height: 1.7;
            margin-bottom: 24px;
        }

        .av-closing-link {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            font-weight: 700;
            font-size: 16px;
            color: var(--c-blue);
            transition: opacity .2s;
        }

        .av-closing-link:hover {
            opacity: .75;
        }

        /* ── Responsive ── */
        @media (max-width: 900px) {
            .av-hero {
                padding: 60px 24px 48px;
            }

            .av-content {
                grid-template-columns: 1fr;
                padding: 0 20px 60px;
            }

            .av-sidebar {
                position: static;
            }

            .av-cards {
                grid-template-columns: 1fr;
            }

            .av-payment {
                grid-template-columns: 1fr;
            }
        }
        @media (min-width: 600px) {
           
            .nav-hamburger{
                display: none;
            }
        }
        @media (max-width: 600px) {
            .nav-inner .nav-actions {
                display: none;
            }
            .av-def {
                flex-direction: column;
                gap: 4px;
            }
            .av-sidebar{
                display: none;
            }
            .av-intro-card, .av-blue-card-item, .av-li-item, .av-privacy-row, .av-pr-left{
                flex-flow: column;
                align-items: center;
            }
            .av-intro-text{
                font-size: 15px;
                text-align: center;
            }
            .av-blue-card{
                border:none;
            }
        }