:root{
  --orange:#E8620A;
  --orange-dark:#cf560a;
  --navy:#1C2B3A;
  --navy-2:#22344a;
  --amber:#F5A623;
  --cream:#FEF4ED;
  --green:#2E7D32;
  --red:#C62828;
  --body:#2D2D2D;
  --surface:#F7F7F7;
  --line:#e7ddd4;
  --white:#ffffff;
  --ink-soft:#5d6b78;
  --radius:16px;
  --radius-lg:22px;
  --maxw:1060px;
  --shadow:0 22px 54px -28px rgba(28,43,58,.42);
  --shadow-sm:0 12px 28px -18px rgba(28,43,58,.35);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,system-ui,"Helvetica Neue",Arial,sans-serif;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--font);
  color:var(--body);
  background:var(--cream);
  line-height:1.58;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
a{color:inherit;text-decoration:none}
p{font-size:1.02rem}
h1,h2,h3{color:var(--navy);line-height:1.08;font-weight:800;letter-spacing:0}
ul{padding-left:1.2rem}
li{margin:.42rem 0;color:#455464}
strong{color:var(--navy)}
.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 22px}
.muted{color:var(--ink-soft)}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  color:var(--orange);font-size:.76rem;font-weight:800;letter-spacing:.13em;
  text-transform:uppercase;margin-bottom:14px;
}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  min-height:52px;border-radius:999px;padding:13px 22px;
  border:0;font-weight:800;font-size:1rem;cursor:pointer;
  transition:transform .15s ease,box-shadow .15s ease,background .15s ease;
}
.btn-primary{background:var(--orange);color:#fff;box-shadow:0 14px 28px -14px rgba(232,98,10,.82)}
.btn-primary:hover{background:var(--orange-dark);transform:translateY(-1px)}
.btn-secondary{background:#fff;color:var(--navy);border:1px solid var(--line);box-shadow:var(--shadow-sm)}
.btn-secondary:hover{transform:translateY(-1px)}
.cta-row{display:flex;flex-wrap:wrap;gap:14px;align-items:center}

.nav{
  position:sticky;top:0;z-index:50;background:rgba(254,244,237,.94);
  backdrop-filter:saturate(150%) blur(12px);border-bottom:1px solid var(--line);
}
.nav-inner{height:68px;display:flex;align-items:center;justify-content:space-between}
.logo{display:flex;align-items:center;gap:10px;font-size:1.2rem;font-weight:900;color:var(--navy)}
.logo svg{width:34px;height:34px;flex:none}
.nav-links{display:flex;gap:24px;align-items:center}
.nav-links a{font-size:.96rem;font-weight:700;color:var(--navy);opacity:.86}
.nav-links a:hover,.nav-links a.active{opacity:1;color:var(--orange)}
.login-link{border:1px solid var(--line);background:#fff;padding:9px 15px;border-radius:999px;opacity:1!important}
.nav-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;border-radius:2px}

.legal-hero{
  padding:58px 0 44px;
  background:
    linear-gradient(180deg,rgba(255,255,255,.82),rgba(255,255,255,0) 58%),
    var(--cream);
}
.hero-content{max-width:860px}
.legal-hero h1{font-size:3rem;max-width:15ch;margin-bottom:16px}
.legal-hero p{font-size:1.16rem;color:#354452;max-width:48rem}
.meta-row{display:flex;flex-wrap:wrap;gap:8px 16px;margin-top:18px;color:#52606d;font-size:.95rem;font-weight:700}
.meta-pill{
  display:inline;
}

.legal-band{padding:52px 0;background:#fff}
.legal-band.surface{background:var(--surface)}
.content-grid{display:grid;grid-template-columns:260px 1fr;gap:30px;align-items:start}
.side-card{
  position:sticky;top:90px;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius-lg);padding:20px;box-shadow:var(--shadow-sm);
}
.side-card h2{font-size:1.05rem;margin-bottom:12px}
.side-card a{display:block;color:#52606d;font-size:.94rem;font-weight:700;padding:7px 0;border-top:1px solid var(--line)}
.side-card a:first-of-type{border-top:0}
.side-card a:hover{color:var(--orange)}
.legal-copy{display:grid;gap:18px}
.section-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:26px;box-shadow:var(--shadow-sm);
}
.section-card[id]{scroll-margin-top:86px}
.section-card h2{font-size:1.55rem;margin-bottom:12px}
.section-card h3{font-size:1.08rem;margin:18px 0 8px}
.section-card p{color:#42515f;margin-top:10px}
.section-card a{color:var(--orange);font-weight:800}
.data-table{display:grid;gap:10px;margin-top:14px}
.data-row{
  display:grid;grid-template-columns:220px 1fr;gap:16px;
  border:1px solid var(--line);border-radius:14px;padding:14px;background:#fffaf7;
}
.data-row strong{font-size:.96rem}
.data-row span{color:#52606d;font-size:.95rem}
.callout{
  background:#fff7f2;border:1px solid #f2ddcf;border-left:5px solid var(--orange);
  border-radius:16px;padding:16px;margin-top:14px;
}
.callout.green{background:#e7f3e8;border-color:#cfe5d1;border-left-color:var(--green)}
.callout p{margin:0;color:#42515f}
.steps{margin-top:14px;padding-left:1.25rem}
.steps li{color:#455464;margin:.54rem 0}
.contact-panel{
  background:linear-gradient(135deg,var(--navy),#24384d);color:#fff;border-radius:var(--radius-lg);
  padding:30px;box-shadow:var(--shadow);
}
.contact-panel h2{color:#fff;font-size:1.7rem;margin-bottom:10px}
.contact-panel p{color:rgba(255,255,255,.78)}
.contact-panel .cta-row{margin-top:18px}

footer{background:var(--navy);color:rgba(255,255,255,.68);padding:52px 0 28px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px}
.foot-brand .logo{color:#fff;margin-bottom:13px}
.foot-brand p{font-size:.94rem;color:rgba(255,255,255,.62);max-width:30ch}
.foot-col h4{color:#fff;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.foot-col a{display:block;color:rgba(255,255,255,.7);font-size:.94rem;margin-bottom:10px}
.foot-col a:hover{color:var(--orange)}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:22px;text-align:center;font-size:.84rem;color:rgba(255,255,255,.48)}

@media (max-width:900px){
  .content-grid{grid-template-columns:1fr}
  .legal-hero h1{max-width:760px}
  .side-card{position:relative;top:auto}
  .foot-grid{grid-template-columns:1fr 1fr}
  .foot-brand{grid-column:1 / -1}
}
@media (max-width:720px){
  .nav-links{position:absolute;top:68px;left:0;right:0;background:var(--cream);display:none;flex-direction:column;gap:0;padding:8px 22px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow-sm)}
  .nav-links.show{display:flex}
  .nav-links a{width:100%;padding:13px 0;border-bottom:1px solid var(--line)}
  .nav-links .login-link{text-align:center;margin-top:12px;border-bottom:0}
  .nav-toggle{display:block}
  .legal-hero{padding:44px 0 34px}
  .legal-hero h1{font-size:2.25rem}
  .legal-hero p{font-size:1.05rem}
  .legal-band{padding:40px 0}
  .data-row{grid-template-columns:1fr}
  .section-card{padding:20px}
  .cta-row .btn{width:100%}
  .foot-grid{grid-template-columns:1fr}
}