:root {
  --legal-navy: #0b2f5d;
  --legal-blue: #176fda;
  --legal-blue-soft: #edf5ff;
  --legal-orange: #f28a22;
  --legal-orange-soft: #fff3e6;
  --legal-green: #27b66f;
  --legal-ink: #17243a;
  --legal-muted: #63758d;
  --legal-line: #dfe8f3;
  --legal-page: #f7faff;
  --legal-shadow: 0 24px 70px rgba(18, 63, 121, .10);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  overflow-x: hidden;
  color: var(--legal-ink);
  background: var(--legal-page);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.72;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--legal-blue); }

a:hover { color: var(--legal-navy); }

.skip-link {
  position: fixed;
  top: 10px;
  left: 10px;
  z-index: 100;
  padding: 10px 15px;
  border-radius: 10px;
  color: #fff;
  background: var(--legal-navy);
  transform: translateY(-150%);
}

.skip-link:focus { transform: translateY(0); }

.legal-shell {
  width: min(1180px, calc(100% - 40px));
  margin-inline: auto;
}

.legal-header {
  position: sticky;
  top: 0;
  z-index: 20;
  border-bottom: 1px solid rgba(223, 232, 243, .88);
  background: rgba(255, 255, 255, .91);
  backdrop-filter: blur(18px);
}

.legal-header__inner {
  min-height: 90px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.legal-brand {
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
}

.legal-brand img {
  display: block;
  width: auto;
  height: 65px;
}

.legal-nav {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 8px;
  flex-wrap: wrap;
}

.legal-nav a {
  padding: 9px 13px;
  border-radius: 999px;
  color: #506178;
  font-size: 14px;
  font-weight: 750;
  line-height: 1.2;
  text-decoration: none;
}

.legal-nav a:hover,
.legal-nav a[aria-current="page"] {
  color: var(--legal-navy);
  background: var(--legal-blue-soft);
}

.legal-nav .legal-nav__home {
  border: 1px solid var(--legal-line);
  color: var(--legal-navy);
  background: #fff;
}

.legal-hero {
  position: relative;
  overflow: hidden;
  padding: 82px 0 70px;
  border-bottom: 1px solid var(--legal-line);
  background:
    radial-gradient(circle at 88% 20%, rgba(23, 111, 218, .15), transparent 30%),
    radial-gradient(circle at 72% 92%, rgba(242, 138, 34, .10), transparent 26%),
    linear-gradient(105deg, #fff 0%, #fff 42%, #eff6ff 100%);
}

.legal-hero::after {
  content: "";
  position: absolute;
  right: max(4vw, 30px);
  top: 48px;
  width: 240px;
  height: 240px;
  border: 1px solid rgba(23, 111, 218, .13);
  border-radius: 50%;
  box-shadow: 0 0 0 34px rgba(23, 111, 218, .035), 0 0 0 72px rgba(23, 111, 218, .025);
  pointer-events: none;
}

.legal-hero__content {
  position: relative;
  z-index: 1;
  max-width: 1000px;
}

.legal-kicker {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 19px;
  padding: 7px 12px;
  border-radius: 999px;
  color: var(--legal-blue);
  background: var(--legal-blue-soft);
  font-size: 12px;
  font-weight: 850;
  letter-spacing: .13em;
  text-transform: uppercase;
}

.legal-kicker::before {
  content: "";
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--legal-green);
}

.legal-hero h1 {
  max-width: 1000px;
  margin: 0 0 18px;
  color: var(--legal-navy);
  font-size: clamp(44px, 6.2vw, 78px);
  line-height: .98;
  letter-spacing: -.045em;
  overflow-wrap: anywhere;
  hyphens: auto;
}

.legal-hero p {
  max-width: 720px;
  margin: 0;
  color: var(--legal-muted);
  font-size: clamp(17px, 2vw, 20px);
  line-height: 1.65;
}

.legal-meta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 25px;
  padding: 8px 12px;
  border: 1px solid rgba(23, 111, 218, .13);
  border-radius: 999px;
  color: #54677f;
  background: rgba(255, 255, 255, .72);
  font-size: 13px;
  font-weight: 700;
}

.legal-meta::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--legal-orange);
}

.legal-main { padding: 64px 0 90px; }

.legal-layout {
  display: grid;
  grid-template-columns: 260px minmax(0, 1fr);
  gap: 36px;
  align-items: start;
}

.legal-toc {
  position: sticky;
  top: 116px;
  padding: 23px;
  border: 1px solid var(--legal-line);
  border-radius: 22px;
  background: rgba(255, 255, 255, .94);
  box-shadow: 0 14px 42px rgba(18, 63, 121, .07);
}

.legal-toc strong {
  display: block;
  margin-bottom: 13px;
  color: var(--legal-navy);
  font-size: 13px;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.legal-toc a {
  display: block;
  padding: 7px 0;
  color: #596c84;
  font-size: 14px;
  font-weight: 650;
  line-height: 1.35;
  text-decoration: none;
}

.legal-toc a:hover { color: var(--legal-blue); }

.legal-content { min-width: 0; }

.legal-card {
  margin-bottom: 22px;
  padding: clamp(26px, 4vw, 46px);
  border: 1px solid var(--legal-line);
  border-radius: 26px;
  background: #fff;
  box-shadow: var(--legal-shadow);
}

.legal-card:last-child { margin-bottom: 0; }

.legal-section { scroll-margin-top: 116px; }

.legal-section + .legal-section {
  margin-top: 34px;
  padding-top: 34px;
  border-top: 1px solid var(--legal-line);
}

.legal-section h2 {
  margin: 0 0 14px;
  color: var(--legal-navy);
  font-size: clamp(24px, 3vw, 32px);
  line-height: 1.2;
  letter-spacing: -.025em;
}

.legal-section h3 {
  margin: 25px 0 8px;
  color: var(--legal-navy);
  font-size: 18px;
  line-height: 1.35;
}

.legal-section p { margin: 0 0 14px; }

.legal-section p:last-child { margin-bottom: 0; }

.legal-section ul,
.legal-section ol {
  margin: 12px 0 18px;
  padding-left: 22px;
}

.legal-section li { margin-bottom: 8px; }

.legal-section address { font-style: normal; }

.legal-callout {
  margin: 24px 0;
  padding: 19px 21px;
  border-left: 4px solid var(--legal-orange);
  border-radius: 0 16px 16px 0;
  color: #534739;
  background: var(--legal-orange-soft);
}

.legal-callout--blue {
  border-left-color: var(--legal-blue);
  color: #304b6f;
  background: var(--legal-blue-soft);
}

.legal-facts {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  margin-top: 20px;
}

.legal-fact {
  padding: 18px;
  border: 1px solid var(--legal-line);
  border-radius: 16px;
  background: #fbfdff;
}

.legal-fact span {
  display: block;
  margin-bottom: 4px;
  color: var(--legal-blue);
  font-size: 11px;
  font-weight: 850;
  letter-spacing: .1em;
  text-transform: uppercase;
}

.legal-fact strong { color: var(--legal-navy); }

.legal-table-wrap {
  overflow-x: auto;
  margin: 18px 0;
  border: 1px solid var(--legal-line);
  border-radius: 16px;
}

.legal-table {
  width: 100%;
  min-width: 660px;
  border-collapse: collapse;
  font-size: 14px;
  line-height: 1.55;
}

.legal-table th,
.legal-table td {
  padding: 15px 16px;
  border-bottom: 1px solid var(--legal-line);
  text-align: left;
  vertical-align: top;
}

.legal-table th {
  color: var(--legal-navy);
  background: var(--legal-blue-soft);
}

.legal-table tr:last-child td { border-bottom: 0; }

.legal-footer {
  padding: 35px 0;
  color: #c8d7e9;
  background: var(--legal-navy);
}

.legal-footer__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.legal-footer p { margin: 0; }

.legal-footer__links {
  display: flex;
  gap: 8px 22px;
  flex-wrap: wrap;
}

.legal-footer a {
  color: #fff;
  font-weight: 700;
  text-decoration: none;
}

.legal-footer a:hover { color: #ffd5a9; }

@media (max-width: 860px) {
  .legal-header__inner {
    min-height: 82px;
    align-items: flex-start;
    padding-block: 10px;
  }

  .legal-brand img { height: 58px; }

  .legal-nav { padding-top: 10px; }

  .legal-nav a:not(.legal-nav__home) { display: none; }

  .legal-hero { padding: 62px 0 55px; }

  .legal-layout { grid-template-columns: 1fr; }

  .legal-toc {
    position: static;
    columns: 2;
  }

  .legal-toc strong { column-span: all; }
}

@media (max-width: 560px) {
  .legal-shell { width: min(100% - 28px, 1180px); }

  .legal-brand img { height: 50px; }

  .legal-nav a { font-size: 13px; }

  .legal-hero::after { opacity: .45; }

  .legal-main { padding: 38px 0 60px; }

  .legal-toc { columns: 1; }

  .legal-card {
    padding: 24px 20px;
    border-radius: 20px;
  }

  .legal-facts { grid-template-columns: 1fr; }
}

@media print {
  body { color: #000; background: #fff; }
  .legal-header,
  .legal-toc,
  .legal-footer,
  .skip-link { display: none; }
  .legal-hero { padding: 0 0 28px; background: #fff; }
  .legal-hero::after { display: none; }
  .legal-main { padding: 20px 0; }
  .legal-layout { display: block; }
  .legal-card { padding: 0; border: 0; box-shadow: none; }
  .legal-section { break-inside: avoid; }
  a { color: inherit; text-decoration: none; }
}