:root {
  --navy: #10283f;
  --text: #18324b;
  --muted: #61778b;
  --blue: #1493e6;
  --blue-dark: #0d74b9;
  --line: #dfe4ec;
  --surface: #f5f7fb;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: #fff; color: var(--text); font: 16px/1.65 Inter, "Segoe UI", Arial, sans-serif; }
a { color: var(--blue-dark); text-underline-offset: 3px; }
button { font: inherit; }
.container { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }
.announcement { background: var(--navy); color: #fff; text-align: center; padding: 9px 18px; font-size: 14px; }
.announcement a { color: #8ed8ff; font-weight: 750; }
.site-header { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.96); backdrop-filter: blur(14px); border-bottom: 1px solid var(--line); }
.navbar { width: min(1340px, calc(100% - 40px)); min-height: 92px; display: flex; align-items: center; justify-content: space-between; gap: 16px; position: relative; }
.brand { display: flex; align-items: center; gap: 15px; color: var(--text); text-decoration: none; font-size: 42px; font-weight: 850; line-height: 1.05; letter-spacing: -1px; }
.brand svg { width: 54px; height: 47px; flex: none; }
.brand-lockup { display: flex; flex-direction: column; }
.brand-tagline { color: #718295; font-size: 15px; font-weight: 750; letter-spacing: .01em; margin-top: 6px; white-space: nowrap; }
.navlinks { display: flex; align-items: center; gap: 20px; white-space: nowrap; }
.navlinks a { color: #465c72; text-decoration: none; font-size: 14px; font-weight: 650; }
.navlinks a:hover, .footer-col a:hover { color: var(--blue); }
.nav-actions { display: flex; align-items: center; }
.btn { display: inline-flex; align-items: center; justify-content: center; border-radius: 9px; padding: 11px 17px; background: var(--blue); color: #fff; font-size: 15px; font-weight: 750; line-height: 1.5; text-decoration: none; }
.btn:hover { background: var(--blue-dark); color: #fff; }
.mobile-toggle, .mobile-request { display: none; }
.mobile-toggle { border: 0; border-radius: 8px; background: #f1f4f7; padding: 8px 10px; color: var(--navy); cursor: pointer; }
.legal-hero { background: linear-gradient(125deg, #f7fbfe 0%, #edf6fc 65%, #e6f2fa 100%); border-bottom: 1px solid #e0edf5; padding: 76px 0 66px; }
.eyebrow { display: inline-block; color: var(--blue-dark); font-size: 12px; font-weight: 850; letter-spacing: .12em; text-transform: uppercase; }
.legal-hero h1 { max-width: 760px; margin: 12px 0 14px; color: var(--navy); font-size: clamp(40px, 5vw, 62px); line-height: 1.06; letter-spacing: -.045em; }
.legal-hero p { max-width: 720px; margin: 0; color: #4f657a; font-size: 19px; line-height: 1.55; }
.updated { display: inline-block; margin-top: 26px; color: #63798d; font-size: 13px; font-weight: 700; }
.legal-layout { display: grid; grid-template-columns: 225px minmax(0, 1fr); gap: clamp(40px, 6vw, 92px); padding-top: 64px; padding-bottom: 108px; align-items: start; }
.toc { position: sticky; top: 122px; }
.toc summary { display: block; pointer-events: none; margin: 0 0 14px; color: var(--navy); font-size: 13px; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.toc ul { list-style: none; margin: 0; padding: 0; border-left: 1px solid var(--line); }
.toc li { margin: 0; }
.toc a { display: block; margin-left: -1px; padding: 6px 0 6px 15px; border-left: 2px solid transparent; color: #64788b; font-size: 13px; line-height: 1.45; text-decoration: none; }
.toc a:hover, .toc a:focus-visible { border-color: var(--blue); color: var(--blue-dark); }
.legal-content { max-width: 800px; min-width: 0; color: #405870; }
.legal-content p { margin: 0 0 18px; }
.legal-content h2 { scroll-margin-top: 120px; margin: 48px 0 16px; color: var(--navy); font-size: 25px; line-height: 1.22; letter-spacing: -.02em; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content h3 { margin: 25px 0 9px; color: var(--text); font-size: 17px; }
.legal-content ul { margin: 0 0 20px; padding-left: 23px; }
.legal-content li { padding-left: 3px; margin: 8px 0; }
.legal-content strong { color: var(--text); }
.legal-content a { font-weight: 650; }
.notice { border: 1px solid #cfe8f8; border-left: 4px solid var(--blue); background: #f0f8fd; padding: 20px 22px; border-radius: 0 12px 12px 0; }
.notice p:last-child { margin-bottom: 0; }
.review-note { border-top: 1px solid var(--line); margin-top: 56px; padding-top: 24px; color: #6b7f90; font-size: 13px; }
footer { background: #0f2438; color: #c4d0da; padding: 44px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3,1fr); gap: 35px; }
.footer-brand { color: #fff; font-size: 30px; }
.footer-brand svg { width: 43px; height: 38px; }
.footer-brand .brand-tagline { color: #9fb0bf; font-size: 11px; }
.footer-copy { max-width: 330px; margin-top: 13px; color: #93a4b5; font-size: 13px; }
.footer-col h2 { margin: 0 0 13px; color: #fff; font-size: 13px; }
.footer-col a { display: block; margin: 7px 0; color: #aebbc7; font-size: 13px; text-decoration: none; }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 15px 22px; margin-top: 34px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.09); color: #91a2b2; font-size: 11px; }
.footer-legal { display: flex; flex-wrap: wrap; gap: 18px; }
.footer-legal a { color: #c4d0da; }
.footer-legal a:hover { color: #fff; }
:focus-visible { outline: 2px solid var(--blue); outline-offset: 3px; }
@media (max-width: 1240px) {
  .navlinks { display: none; }
  .mobile-toggle { display: inline-flex; }
  .navlinks.open { display: flex; position: absolute; top: calc(100% - 1px); left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0; padding: 8px 18px 18px; border: 1px solid var(--line); border-top: 0; background: #fff; box-shadow: 0 18px 28px rgba(16,40,63,.12); }
  .navlinks.open a { padding: 9px 0; }
  .navlinks .mobile-request { display: block; color: var(--blue-dark); }
}
@media (max-width: 900px) {
  .legal-layout { display: block; padding-top: 38px; }
  .toc { position: static; margin-bottom: 36px; padding: 18px 20px; border: 1px solid var(--line); border-radius: 14px; background: #fff; }
  .toc summary { display: list-item; pointer-events: auto; margin: 0; cursor: pointer; list-style: none; }
  .toc summary::-webkit-details-marker { display: none; }
  .toc summary::after { content: "+"; float: right; font-size: 20px; line-height: 16px; color: var(--blue-dark); }
  .toc[open] summary { margin-bottom: 14px; }
  .toc[open] summary::after { content: "−"; }
  .toc ul { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 680px) {
  .container, .navbar { width: min(100% - 28px, 1180px); }
  .announcement { font-size: 12px; }
  .navbar { min-height: 92px; gap: 8px; }
  .brand { min-width: 0; gap: 10px; font-size: clamp(24px, 7.5vw, 31px); }
  .brand-lockup { min-width: 0; }
  .brand svg { width: 43px; height: 38px; }
  .brand-tagline { font-size: 11px; white-space: normal; }
  .nav-actions .btn { display: none; }
  .legal-hero { padding: 52px 0 48px; }
  .legal-hero p { font-size: 17px; }
  .legal-layout { padding-bottom: 76px; }
  .toc ul { grid-template-columns: 1fr; }
  .legal-content h2 { font-size: 23px; }
  .footer-grid { grid-template-columns: 1fr; gap: 27px; }
}