:root{
  --navy:#0C3054;--navy-deep:#082743;--blue:#4E86B0;--blue-light:#78A8CC;
  --mist:#E7EEF5;--canvas:#F2F5F8;--panel:#FFFFFF;--text:#33444F;--muted:#6B7A87;
  --line:rgba(12,48,84,.13);--line-strong:rgba(12,48,84,.26);--maxw:880px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Hanken Grotesk",system-ui,sans-serif;background:var(--canvas);color:var(--text);line-height:1.75;-webkit-font-smoothing:antialiased}
h1,h2,h3,.serif{font-family:"Cormorant Garamond",Georgia,serif;color:var(--navy);font-weight:500;line-height:1.1}
a{color:var(--blue)}
.wrap{max-width:1180px;margin:0 auto;padding:0 32px}
.label{font-size:.72rem;letter-spacing:.26em;text-transform:uppercase;font-weight:600;color:var(--blue)}

/* header */
header{position:fixed;top:0;left:0;right:0;z-index:60;background:rgba(242,245,248,.9);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px}
.brand{display:flex;align-items:center;gap:12px}
.brand img{height:42px;width:auto;display:block}
.brand .bt{font-family:"Cormorant Garamond",serif;font-size:1.4rem;font-weight:600;color:var(--navy);line-height:1}
.nav-links{display:flex;align-items:center;gap:34px}
.nav-links a{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;font-weight:600;color:var(--navy);opacity:.72;text-decoration:none;transition:opacity .25s}
.nav-links a:hover{opacity:1}
.nav-links a.cta{opacity:1;color:#fff;background:var(--navy);padding:11px 22px;border-radius:1px}
.nav-links a.cta:hover{background:var(--navy-deep)}
@media(max-width:760px){.nav-links{display:none}}

/* legal content */
.legal-hero{padding:140px 0 40px}
.legal-hero .label{display:inline-flex;align-items:center;gap:14px;margin-bottom:22px}
.legal-hero .label::before{content:"";width:40px;height:1px;background:var(--blue)}
.legal-hero h1{font-size:clamp(2.6rem,6vw,4rem);margin-bottom:16px}
.legal-hero .updated{color:var(--muted);font-size:.92rem}
.legal-body{max-width:var(--maxw);margin:0 auto;padding:30px 32px 110px}
.legal-body .intro{font-size:1.12rem;color:var(--text);border-left:2px solid var(--blue);padding-left:22px;margin-bottom:48px}
.legal-body section{margin-bottom:40px;padding-top:8px}
.legal-body h2{font-size:1.7rem;margin-bottom:14px;display:flex;gap:14px;align-items:baseline}
.legal-body h2 .n{font-family:"Cormorant Garamond",serif;font-style:italic;font-size:1.15rem;color:var(--blue);font-weight:500}
.legal-body h3{font-size:1.15rem;font-family:"Hanken Grotesk",sans-serif;font-weight:600;color:var(--navy);margin:22px 0 8px}
.legal-body p{margin-bottom:14px}
.legal-body ul{margin:0 0 16px 4px;padding-left:22px}
.legal-body li{margin-bottom:9px}
.legal-body strong{color:var(--navy)}
.callout{background:var(--mist);border:1px solid var(--line);border-radius:4px;padding:22px 26px;margin:24px 0}
.callout p{margin:0}
.toc{background:var(--panel);border:1px solid var(--line);border-radius:4px;padding:26px 30px;margin-bottom:48px}
.toc h2{font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);font-family:"Hanken Grotesk",sans-serif;font-weight:700;margin-bottom:14px}
.toc ol{columns:2;column-gap:40px;margin:0;padding-left:18px}
.toc li{margin-bottom:7px;font-size:.92rem}
.toc a{color:var(--navy);text-decoration:none;opacity:.82}
.toc a:hover{opacity:1;color:var(--blue)}
.back{display:inline-flex;align-items:center;gap:10px;margin-top:10px;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--navy);text-decoration:none;border-bottom:1px solid var(--blue);padding-bottom:5px}

/* footer */
footer{padding:70px 0 42px;border-top:1px solid var(--line);background:var(--navy);color:#B9C8D6}
.foot-top{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:40px;margin-bottom:52px}
.foot-brand{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.foot-brand img{height:46px;width:auto}
.foot-brand .bt{font-family:"Cormorant Garamond",serif;font-size:1.45rem;color:#fff;font-weight:600}
.foot-top p{color:#8FA3B5;font-size:.94rem;max-width:24em}
.foot-col h4{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--blue-light);margin-bottom:16px;font-weight:600}
.foot-col a{display:block;color:#B9C8D6;font-size:.92rem;margin-bottom:10px;text-decoration:none;transition:color .25s}
.foot-col a:hover{color:#fff}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;color:#7B91A4;font-size:.8rem;max-width:64em;line-height:1.6}
@media(max-width:760px){.foot-top{grid-template-columns:1fr 1fr;gap:30px}.toc ol{columns:1}}