:root {
  color-scheme: light;
  --navy: #082654;
  --blue: #165da9;
  --paper: #f5f7fb;
  --white: #ffffff;
  --ink: #101827;
  --muted: #606c7d;
  --line: rgba(8,38,84,.13);
  font-family: -apple-system, BlinkMacSystemFont, "SF Pro Text", "Segoe UI", sans-serif;
}
* { box-sizing: border-box; }
body { margin: 0; background: var(--paper); color: var(--ink); }
a { color: var(--blue); font-weight: 700; text-underline-offset: 3px; }
.skip-link { position: fixed; left: 16px; top: -80px; z-index: 20; padding: 12px 18px; border-radius: 12px; background: var(--navy); color: white; }
.skip-link:focus { top: 16px; }
.legal-header { max-width: 1040px; min-height: 82px; margin: auto; padding: 0 24px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.wordmark { display: inline-flex; align-items: center; gap: 10px; color: var(--navy); font-size: 1.1rem; font-weight: 850; text-decoration: none; }
.wordmark img { width: 34px; height: 34px; border-radius: 10px; }
.legal-header nav { display: flex; gap: 20px; }
.legal-header nav a { color: var(--muted); font-size: .85rem; text-decoration: none; }
.legal-header nav a:hover, .legal-header nav a:focus-visible { color: var(--navy); }
.legal-hero { padding: 78px 24px 62px; background: var(--navy); color: white; }
.legal-hero > div { max-width: 820px; margin: auto; }
.eyebrow { margin: 0 0 15px; color: #98c9ff; font-size: .72rem; font-weight: 850; letter-spacing: .13em; text-transform: uppercase; }
.legal-hero h1 { margin: 0 0 18px; font-size: clamp(2.9rem, 7vw, 5.3rem); line-height: .95; letter-spacing: -.06em; }
.legal-hero p:last-child { max-width: 690px; margin: 0; color: rgba(255,255,255,.7); font-size: 1.05rem; line-height: 1.6; }
.legal-layout { max-width: 1040px; margin: 0 auto; padding: 54px 24px 100px; display: grid; grid-template-columns: 220px minmax(0,740px); gap: 54px; align-items: start; }
.legal-toc { position: sticky; top: 24px; padding: 20px; border: 1px solid var(--line); border-radius: 18px; background: rgba(255,255,255,.7); }
.legal-toc strong { display: block; margin-bottom: 13px; color: var(--navy); font-size: .76rem; letter-spacing: .08em; text-transform: uppercase; }
.legal-toc a { display: block; padding: 6px 0; color: var(--muted); font-size: .78rem; line-height: 1.35; text-decoration: none; }
.legal-toc a:hover, .legal-toc a:focus-visible { color: var(--blue); }
.legal-card { min-width: 0; padding: clamp(26px, 5vw, 58px); border: 1px solid var(--line); border-radius: 28px; background: white; box-shadow: 0 24px 70px rgba(8,38,84,.07); }
.effective { margin: 0 0 28px; padding-bottom: 20px; border-bottom: 1px solid var(--line); color: var(--muted); font-size: .82rem; }
.at-glance { margin: 26px 0 36px; padding: 24px; border-radius: 18px; background: #edf3fa; }
.at-glance h2 { margin-top: 0; }
.legal-card h2 { scroll-margin-top: 26px; margin: 2.2rem 0 .8rem; color: var(--navy); font-size: 1.35rem; letter-spacing: -.025em; }
.legal-card h3 { margin: 1.5rem 0 .6rem; color: #18355d; font-size: 1rem; }
.legal-card p, .legal-card li { color: #374456; font-size: .94rem; line-height: 1.72; }
.legal-card ul { padding-left: 1.25rem; }
.legal-card li + li { margin-top: .46rem; }
.contact-box { margin-top: 34px; padding: 24px; border-radius: 18px; background: var(--navy); color: white; }
.contact-box h2 { margin-top: 0; color: white; }
.contact-box p { margin-bottom: 0; color: rgba(255,255,255,.75); }
.contact-box a { color: white; }
.legal-table-wrap { width: 100%; max-width: 100%; overflow-x: auto; margin: 1.25rem 0 2rem; border: 1px solid var(--line); border-radius: 16px; }
.legal-table { width: 100%; min-width: 650px; border-collapse: collapse; }
.legal-table th, .legal-table td { padding: 13px 15px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; color: #374456; font-size: .84rem; line-height: 1.5; }
.legal-table th { color: var(--navy); background: #edf3fa; font-size: .76rem; letter-spacing: .03em; text-transform: uppercase; }
.legal-table tbody tr:last-child td { border-bottom: 0; }
.legal-footer { max-width: 1040px; margin: auto; padding: 32px 24px 44px; border-top: 1px solid var(--line); display: flex; justify-content: space-between; gap: 24px; color: var(--muted); font-size: .75rem; }
.legal-footer nav { display: flex; gap: 18px; }
.legal-footer a { color: var(--muted); }

.support-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 14px; margin: 28px 0 38px; }
.support-card { display: block; min-height: 142px; padding: 22px; border: 1px solid var(--line); border-radius: 18px; background: #f8fafc; color: var(--ink); text-decoration: none; }
.support-card:hover, .support-card:focus-visible { border-color: var(--blue); box-shadow: 0 10px 28px rgba(8,38,84,.08); }
.support-card span { display: block; margin-bottom: 12px; color: var(--blue); font-size: 1.4rem; }
.support-card strong { display: block; margin-bottom: 7px; color: var(--navy); }
.support-card small { color: var(--muted); line-height: 1.45; }
details { border-top: 1px solid var(--line); }
details:last-of-type { border-bottom: 1px solid var(--line); }
summary { cursor: pointer; padding: 18px 0; color: var(--navy); font-weight: 760; }
details p { margin-top: -5px; padding-bottom: 16px; }

@media (max-width: 760px) {
  .legal-header nav a:first-child { display: none; }
  .legal-hero { padding-top: 54px; }
  .legal-layout { grid-template-columns: 1fr; padding-top: 30px; }
  .legal-toc { position: static; }
  .support-grid { grid-template-columns: 1fr; }
  .legal-footer { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) { * { scroll-behavior: auto !important; } }
@media (prefers-contrast: more) { :root { --muted: #414b5a; --line: rgba(8,38,84,.32); } }